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Td (non-accelerated ) Tj ET Q q 0 0 0 rg BT 481.02 262.90 Td (filer) Tj ET Q q 0 0 0 rg BT 497.28 262.90 Td (, ) Tj ET Q q 0 0 0 rg BT 501.68 262.90 Td (a ) Tj ET Q q 0 0 0 rg BT 508.01 262.90 Td (smaller ) Tj ET Q q 0 0 0 rg BT 539.35 262.90 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.90 Td (company) Tj ET Q q 0 0 0 rg BT 72.01 250.90 Td (, ) Tj ET Q q 0 0 0 rg BT 75.97 250.90 Td (or ) Tj ET Q q 0 0 0 rg BT 85.77 250.90 Td (an ) Tj ET Q q 0 0 0 rg BT 96.68 250.90 Td (emer) Tj ET Q q 0 0 0 rg BT 116.48 250.90 Td (ging ) Tj ET Q q 0 0 0 rg BT 135.73 250.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 165.52 250.90 Td (company) Tj ET Q q 0 0 0 rg BT 201.53 250.90 Td (. ) Tj ET Q q 0 0 0 rg BT 205.50 250.90 Td (See ) Tj ET Q q 0 0 0 rg BT 221.40 250.90 Td (the ) Tj ET Q q 0 0 0 rg BT 235.09 250.90 Td (definitions ) Tj ET Q q 0 0 0 rg BT 279.33 250.90 Td (of ) Tj ET Q q 0 0 0 rg BT 289.13 250.90 Td (lar) Tj ET Q q 0 0 0 rg BT 303.93 250.90 Td (ge ) Tj ET Q q 0 0 0 rg BT 314.84 250.90 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 361.26 250.90 Td (filer) Tj ET Q q 0 0 0 rg BT 377.51 250.90 Td (, ) Tj ET Q q 0 0 0 rg BT 385.92 250.90 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 436.78 250.90 Td (filer) Tj ET Q q 0 0 0 rg BT 453.04 250.90 Td (, ) Tj ET Q q 0 0 0 rg BT 461.44 250.90 Td (smaller ) Tj ET Q q 0 0 0 rg BT 496.78 250.90 Td (reporting ) Tj ET Q q 0 0 0 rg BT 534.90 250.90 Td (company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.90 Td (and ) Tj ET Q q 0 0 0 rg BT 52.94 238.90 Td (emer) Tj ET Q q 0 0 0 rg BT 77.18 238.90 Td (ging ) Tj ET Q q 0 0 0 rg BT 97.46 238.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 128.29 238.90 Td (company ) Tj ET Q q 0 0 0 rg BT 171.88 238.90 Td (in ) Tj ET Q q 0 0 0 rg BT 182.16 238.90 Td (Rule12b-2 ) Tj ET Q q 0 0 0 rg BT 229.38 238.90 Td (of ) Tj ET Q q 0 0 0 rg BT 240.21 238.90 Td (the ) Tj ET Q q 0 0 0 rg BT 254.93 238.90 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 296.30 238.90 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 39.00 218.97 Td (Lar) Tj ET Q q 0 0 0 rg BT 52.70 218.97 Td (ge accelerated filer ) Tj ET Q /GS0 gs q 8.91 0 0 10.09 131.25 216.81 cm /I14 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 218.97 Td (Accelerated filer ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 564.04 216.81 cm /I15 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 39.00 204.97 Td (Non-accelerated filer ) Tj ET Q /GS0 gs q 8.91 0 0 10.09 126.16 202.81 cm /I16 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 204.97 Td (Smaller reporting company ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 564.06 202.81 cm /I17 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 39.00 190.97 Td (Emer) Tj ET Q q 0 0 0 rg BT 60.47 190.97 Td (ging growth company ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 150.74 188.81 cm /I18 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 174.90 Td (If ) Tj ET Q q 0 0 0 rg BT 55.00 174.90 Td (an ) Tj ET Q q 0 0 0 rg BT 67.77 174.90 Td (emer) Tj ET Q q 0 0 0 rg BT 87.58 174.90 Td (ging ) Tj ET Q q 0 0 0 rg BT 108.69 174.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 140.36 174.90 Td (company) Tj ET Q q 0 0 0 rg BT 176.36 174.90 Td (, ) Tj ET Q q 0 0 0 rg BT 182.20 174.90 Td (indicate ) Tj ET Q q 0 0 0 rg BT 217.19 174.90 Td (by ) Tj ET Q q 0 0 0 rg BT 230.52 174.90 Td (check ) Tj ET Q q 0 0 0 rg BT 257.17 174.90 Td (mark ) Tj ET Q q 0 0 0 rg BT 281.06 174.90 Td (if ) Tj ET Q q 0 0 0 rg BT 290.50 174.90 Td (the ) Tj ET Q q 0 0 0 rg BT 306.06 174.90 Td (registrant ) Tj ET Q q 0 0 0 rg BT 347.16 174.90 Td (has ) Tj ET Q q 0 0 0 rg BT 363.82 174.90 Td (elected ) Tj ET Q q 0 0 0 rg BT 395.47 174.90 Td (not ) Tj ET Q q 0 0 0 rg BT 411.58 174.90 Td (to ) Tj ET Q q 0 0 0 rg BT 422.70 174.90 Td (use ) Tj ET Q q 0 0 0 rg BT 439.37 174.90 Td (the ) Tj ET Q q 0 0 0 rg BT 454.92 174.90 Td (extended ) Tj ET Q q 0 0 0 rg BT 494.35 174.90 Td (transition ) Tj ET Q q 0 0 0 rg BT 535.46 174.90 Td (period ) Tj ET Q q 0 0 0 rg BT 564.34 174.90 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.90 Td (complying 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q 0 0 0 rg BT 92.20 150.90 Td (check ) Tj ET Q q 0 0 0 rg BT 118.02 150.90 Td (mark ) Tj ET Q q 0 0 0 rg BT 141.06 150.90 Td (whether ) Tj ET Q q 0 0 0 rg BT 175.77 150.90 Td (the ) Tj ET Q q 0 0 0 rg BT 190.49 150.90 Td (registrant ) Tj ET Q q 0 0 0 rg BT 230.75 150.90 Td (is ) Tj ET Q q 0 0 0 rg BT 239.92 150.90 Td (a ) Tj ET Q q 0 0 0 rg BT 246.86 150.90 Td (shell ) Tj ET Q q 0 0 0 rg BT 268.25 150.90 Td (company ) Tj ET Q q 0 0 0 rg BT 307.40 150.90 Td (\(as ) Tj ET Q q 0 0 0 rg BT 321.56 150.90 Td (defined ) Tj ET Q q 0 0 0 rg BT 354.05 150.90 Td (in ) Tj ET Q q 0 0 0 rg BT 364.33 150.90 Td (Rule ) Tj ET Q q 0 0 0 rg BT 385.71 150.90 Td (12b-2 ) Tj ET Q q 0 0 0 rg BT 411.54 150.90 Td (of ) Tj ET Q q 0 0 0 rg BT 422.37 150.90 Td (the ) Tj ET Q q 0 0 0 rg BT 437.09 150.90 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 478.46 150.90 Td (Act\). ) Tj ET Q q 0 0 0 rg BT 500.86 150.90 Td (Y) Tj ET Q q 0 0 0 rg BT 507.08 150.90 Td (es ) Tj ET Q /GS0 gs q 10.00 0 0 10.09 517.91 148.74 cm /I20 Do Q q 0 0 0 rg BT 527.91 150.90 Td (No ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 550.13 148.74 cm /I21 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 138.90 Td (Aggregate ) Tj ET Q q 0 0 0 rg BT 89.46 138.90 Td (market ) Tj ET Q q 0 0 0 rg BT 120.04 138.90 Td (value ) Tj ET Q q 0 0 0 rg BT 144.51 138.90 Td (of ) Tj ET Q q 0 0 0 rg BT 155.65 138.90 Td (the ) Tj ET Q q 0 0 0 rg BT 170.68 138.90 Td (voting ) Tj ET Q q 0 0 0 rg BT 199.05 138.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 222.97 138.90 Td (held ) Tj ET Q q 0 0 0 rg BT 243.00 138.90 Td (by ) Tj ET Q q 0 0 0 rg BT 255.82 138.90 Td (non-af) Tj ET Q q 0 0 0 rg BT 281.74 138.90 Td (filiates ) Tj ET Q q 0 0 0 rg BT 311.76 138.90 Td (of ) Tj ET Q q 0 0 0 rg BT 322.91 138.90 Td (the ) Tj ET Q q 0 0 0 rg BT 337.94 138.90 Td (registrant ) Tj ET Q q 0 0 0 rg BT 378.52 138.90 Td (as ) Tj ET Q q 0 0 0 rg BT 389.66 138.90 Td (of ) Tj ET Q q 0 0 0 rg BT 400.80 138.90 Td (June30, ) Tj ET Q q 0 0 0 rg BT 436.95 138.90 Td (2018 ) Tj ET Q q 0 0 0 rg BT 459.76 138.90 Td (based ) Tj ET Q q 0 0 0 rg BT 485.34 138.90 Td (on ) Tj ET Q q 0 0 0 rg BT 498.16 138.90 Td (the ) Tj ET Q q 0 0 0 rg BT 513.19 138.90 Td (closing ) Tj ET Q q 0 0 0 rg BT 544.89 138.90 Td (price ) Tj ET Q q 0 0 0 rg BT 567.69 138.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.90 Td (the ) Tj ET Q q 0 0 0 rg BT 50.72 126.90 Td (common ) Tj ET Q q 0 0 0 rg BT 88.21 126.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 111.82 126.90 Td (as ) Tj ET Q q 0 0 0 rg BT 122.65 126.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 158.47 126.90 Td (on ) Tj ET Q q 0 0 0 rg BT 170.97 126.90 Td (the ) Tj ET Q q 0 0 0 rg BT 185.68 126.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 229.85 126.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 259.57 126.90 Td (Market: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.72 126.90 Td ($196,751,216) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.72 126.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 114.90 Td (As ) Tj ET Q q 0 0 0 rg BT 58.61 114.90 Td (of ) Tj ET Q q 0 0 0 rg BT 69.44 114.90 Td (February25, ) Tj ET Q q 0 0 0 rg BT 123.04 114.90 Td (2019, ) Tj ET Q q 0 0 0 rg BT 148.04 114.90 Td (there ) Tj ET Q q 0 0 0 rg BT 170.53 114.90 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.46 114.90 Td (7,849,621) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.46 114.90 Td ( ) Tj ET Q q 0 0 0 rg BT 234.96 114.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 262.45 114.90 Td (of ) Tj ET Q q 0 0 0 rg BT 273.28 114.90 Td (the ) Tj ET Q q 0 0 0 rg BT 287.99 114.90 Td (registrant) Tj ET Q q 0 0 0 rg BT 328.54 114.90 Td (s ) Tj ET Q q 0 0 0 rg BT 334.93 114.90 Td (common ) Tj ET Q q 0 0 0 rg BT 372.42 114.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 396.03 114.90 Td (outstanding.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.40 102.90 Td (DOCUMENTS INCORPORA) Tj ET Q q 0 0 0 rg BT 319.83 102.90 Td (TED BY) Tj ET Q q 0 0 0 rg BT 356.41 102.90 Td ( REFERENCE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 90.90 Td (Portions ) Tj ET Q q 0 0 0 rg BT 82.23 90.90 Td (of ) Tj ET Q q 0 0 0 rg BT 94.45 90.90 Td (the ) Tj ET Q q 0 0 0 rg BT 110.56 90.90 Td (Registrant) Tj ET Q q 0 0 0 rg BT 154.44 90.90 Td (s ) Tj ET Q q 0 0 0 rg BT 162.22 90.90 Td (definitive ) Tj ET Q q 0 0 0 rg BT 204.43 90.90 Td (proxy ) Tj ET Q q 0 0 0 rg BT 231.65 90.90 Td (statement ) Tj ET Q q 0 0 0 rg BT 273.86 90.90 Td (for ) Tj ET Q q 0 0 0 rg BT 289.41 90.90 Td (its ) Tj ET Q q 0 0 0 rg BT 301.89 90.90 Td (Annual ) Tj ET Q q 0 0 0 rg BT 335.22 90.90 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 372.43 90.90 Td (of ) Tj ET Q q 0 0 0 rg BT 384.65 90.90 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 443.26 90.90 Td (expected ) Tj ET Q q 0 0 0 rg BT 482.68 90.90 Td (to ) Tj ET Q q 0 0 0 rg BT 494.35 90.90 Td (be ) Tj ET Q q 0 0 0 rg BT 507.67 90.90 Td (filed ) Tj ET Q q 0 0 0 rg BT 529.89 90.90 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 568.22 90.90 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 78.90 Td (Regulation14A) Tj ET Q q 0 0 0 rg BT 99.05 78.90 Td ( ) Tj ET Q q 0 0 0 rg BT 101.10 78.90 Td (within ) Tj ET Q q 0 0 0 rg BT 128.71 78.90 Td (120days ) Tj ET Q q 0 0 0 rg BT 166.60 78.90 Td (after ) Tj ET Q q 0 0 0 rg BT 186.96 78.90 Td (the ) Tj ET Q q 0 0 0 rg BT 201.23 78.90 Td (end ) Tj ET Q q 0 0 0 rg BT 217.72 78.90 Td (of ) Tj ET Q q 0 0 0 rg BT 228.10 78.90 Td (the ) Tj ET Q q 0 0 0 rg BT 242.37 78.90 Td (2018 ) Tj ET Q q 0 0 0 rg BT 264.43 78.90 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 288.13 78.90 Td (year) Tj ET Q q 0 0 0 rg BT 304.94 78.90 Td (, ) Tj ET Q q 0 0 0 rg BT 309.49 78.90 Td (are ) Tj ET Q q 0 0 0 rg BT 323.75 78.90 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 376.34 78.90 Td (by ) Tj ET Q q 0 0 0 rg BT 388.39 78.90 Td (reference ) Tj ET Q q 0 0 0 rg BT 427.62 78.90 Td (into ) Tj ET Q q 0 0 0 rg BT 445.23 78.90 Td (PartIII ) Tj ET Q q 0 0 0 rg BT 475.88 78.90 Td (of ) Tj ET Q q 0 0 0 rg BT 486.27 78.90 Td (this ) Tj ET Q q 0 0 0 rg BT 502.77 78.90 Td (report ) Tj ET Q q 0 0 0 rg BT 528.70 78.90 Td (on ) Tj ET Q q 0 0 0 rg BT 540.75 78.90 Td (form10-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 66.90 Td (K) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 56.39999999999998 m 576.5 56.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 52.39999999999998 m 576.5 52.39999999999998 l s BT /F1 10.00 Tf ET endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.60 31.60 Td (i) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 731.50 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 731.50 Td (oup, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.25 719.50 Td (Form 10-K) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.40 695.50 Td (T) Tj ET Q q 0 0 0 rg BT 274.15 695.50 Td (able of Contents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 670.68 Td (P) Tj ET Q q 0 0 0 rg BT 58.37 670.68 Td (AR) Tj ET Q q 0 0 0 rg BT 72.46 670.68 Td (T) Tj ET Q q 0 0 0 rg BT 78.95 670.68 Td ( I) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 651.67 Td (Item1.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 651.67 Td (Business) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.50 651.57 Td (.......................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 632.67 Td (Item1A.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 632.67 Td (Risk Factors) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.50 632.57 Td (.................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 613.67 Td (Item1B.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 613.67 Td (Unresolved Staf) Tj ET Q q 0 0 0 rg BT 183.53 613.67 Td (f Comments) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.00 613.57 Td (........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 594.67 Td (Item2.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 594.67 Td (Properties) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.50 594.57 Td (.....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 575.67 Td (Item3.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 575.67 Td (Legal Proceedings) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.00 575.57 Td (........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 556.67 Td (Item4.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 556.67 Td (Mine Safety Disclosures) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.00 556.57 Td (..............................................................................................................................) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 537.68 Td (P) Tj ET Q q 0 0 0 rg BT 58.37 537.68 Td (AR) Tj ET Q q 0 0 0 rg BT 72.46 537.68 Td (T) Tj ET Q q 0 0 0 rg BT 78.95 537.68 Td ( II) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 512.67 Td (Item5.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 522.67 Td (Market for Registrant) Tj ET Q q 0 0 0 rg BT 208.42 522.67 Td (s Common Equity) Tj ET Q q 0 0 0 rg BT 280.55 522.67 Td (, Related Stockholder Matters and Issuer Purchases of Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 512.67 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.00 512.57 Td (......................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 493.67 Td (Item6.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 493.67 Td (Selected Financial Data) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 493.57 Td (................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 474.67 Td (Item7.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 474.67 Td (Management) Tj ET Q q 0 0 0 rg BT 173.98 474.67 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 243.15 474.67 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.00 474.57 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 455.67 Td (Item7A.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 455.67 Td (Quantitative and Qualitative Disclosures ) Tj ET Q q 0 0 0 rg BT 283.40 455.67 Td (About Market Risk) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 455.57 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 436.67 Td (Item8.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 436.67 Td (Financial Statements and Supplementary Data) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.00 436.57 Td (............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 417.67 Td (Item9.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 417.67 Td (Changes in and Disagreements with ) Tj ET Q q 0 0 0 rg BT 264.81 417.67 Td (Accountants on ) Tj ET Q q 0 0 0 rg BT 329.24 417.67 Td (Accounting and Financial Disclosure) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.00 417.57 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 398.67 Td (Item9A.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 398.67 Td (Controls and Procedures) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.00 398.57 Td (..............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 379.67 Td (Item9B.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 379.67 Td (Other Information) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.00 379.57 Td (........................................................................................................................................) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 360.68 Td (P) Tj ET Q q 0 0 0 rg BT 58.37 360.68 Td (AR) Tj ET Q q 0 0 0 rg BT 72.46 360.68 Td (T) Tj ET Q q 0 0 0 rg BT 78.95 360.68 Td ( III) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 341.67 Td (Item10.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 341.67 Td (Directors, Executive Of) Tj ET Q q 0 0 0 rg BT 214.06 341.67 Td (ficers and Corporate Governance) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 341.57 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 322.67 Td (Item1) Tj ET Q q 0 0 0 rg BT 83.45 322.67 Td (1.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 322.67 Td (Executive Compensation) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.50 322.57 Td (.............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 303.67 Td (Item12.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 303.67 Td (Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.50 303.57 Td (...) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 284.67 Td (Item13.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 284.67 Td (Certain Relationships and Related ) Tj ET Q q 0 0 0 rg BT 257.68 284.67 Td (T) Tj ET Q q 0 0 0 rg BT 263.43 284.67 Td (ransactions, and Director Independence) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.00 284.57 Td (............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 265.67 Td (Item14.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 265.67 Td (Principal ) Tj ET Q q 0 0 0 rg BT 157.05 265.67 Td (Accountant Fees and Services) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 265.57 Td (......................................................................................................) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 246.68 Td (P) Tj ET Q q 0 0 0 rg BT 58.37 246.68 Td (AR) Tj ET Q q 0 0 0 rg BT 72.46 246.68 Td (T) Tj ET Q q 0 0 0 rg BT 78.95 246.68 Td ( IV) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 227.67 Td (Item15.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 227.67 Td (Exhibits, Financial Statement Schedules) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.50 227.57 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 208.67 Td (Item 16.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 208.67 Td (Form 10-K Summary) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.50 208.57 Td (...................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 189.67 Td (Signatures) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.50 189.57 Td (.....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.00 651.67 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 632.67 Td (18) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 613.67 Td (26) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 594.67 Td (27) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 575.67 Td (27) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 556.67 Td (27) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 512.67 Td (28) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 493.67 Td (29) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 474.67 Td (33) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 455.67 Td (56) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 436.67 Td (59) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 417.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 417.67 Td (13) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 398.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 398.67 Td (13) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 379.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 379.67 Td (14) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 341.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 341.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 322.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 322.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 303.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 303.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 284.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 284.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 265.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 265.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 227.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 227.67 Td (16) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 208.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 208.67 Td (17) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.35 189.67 Td (1) Tj ET Q q 0 0 0 rg BT 548.98 189.67 Td (18) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 215.75 742.25 Td (BANKWELL) Tj ET Q q 0 0 0 rg BT 274.10 742.25 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 332.72 742.25 Td ( GROUP) Tj ET Q q 0 0 0 rg BT 370.41 742.25 Td (, INC.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.90 730.25 Td (FORM 10-K) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.25 706.25 Td (P) Tj ET Q q 0 0 0 rg BT 294.62 706.25 Td (AR) Tj ET Q q 0 0 0 rg BT 308.71 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 315.20 706.25 Td ( 1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (Item1. ) Tj ET Q q 0 0 0 rg BT 104.00 670.25 Td (Business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Cautionary Note Regarding Forward-Looking Statements) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 628.25 Td (This ) Tj ET Q q 0 0 0 rg BT 90.77 628.25 Td (r) Tj ET Q q 0 0 0 rg BT 94.29 628.25 Td (eport ) Tj ET Q q 0 0 0 rg BT 118.94 628.25 Td (contains ) Tj ET Q q 0 0 0 rg BT 156.37 628.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 183.23 628.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 225.09 628.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 270.85 628.25 Td (within ) Tj ET Q q 0 0 0 rg BT 299.39 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.15 628.25 Td (meaning ) Tj ET Q q 0 0 0 rg BT 353.13 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 364.45 628.25 Td (Section27A) Tj ET Q q 0 0 0 rg BT 412.31 628.25 Td ( ) Tj ET Q q 0 0 0 rg BT 415.85 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.17 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.92 628.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 485.64 628.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 502.51 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.83 628.25 Td (1933 ) Tj ET Q q 0 0 0 rg BT 537.37 628.25 Td (or ) Tj ET Q q 0 0 0 rg BT 549.80 628.25 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.60 616.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 109.77 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 127.11 616.25 Td (Section21E ) Tj ET Q q 0 0 0 rg BT 177.49 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 187.60 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 202.16 616.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 243.75 616.25 Td (Act. ) Tj ET Q q 0 0 0 rg BT 261.92 616.25 Td (These ) Tj ET Q q 0 0 0 rg BT 287.59 616.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 332.14 616.25 Td (ar) Tj ET Q q 0 0 0 rg BT 340.66 616.25 Td (e ) Tj ET Q q 0 0 0 rg BT 347.44 616.25 Td (often, ) Tj ET Q q 0 0 0 rg BT 372.27 616.25 Td (but ) Tj ET Q q 0 0 0 rg BT 387.39 616.25 Td (not ) Tj ET Q q 0 0 0 rg BT 402.51 616.25 Td (always, ) Tj ET Q q 0 0 0 rg BT 435.13 616.25 Td (made ) Tj ET Q q 0 0 0 rg BT 459.13 616.25 Td (with ) Tj ET Q q 0 0 0 rg BT 478.69 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.25 616.25 Td (wor) Tj ET Q q 0 0 0 rg BT 508.44 616.25 Td (ds ) Tj ET Q q 0 0 0 rg BT 519.67 616.25 Td (or ) Tj ET Q q 0 0 0 rg BT 530.90 616.25 Td (phrases ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (such ) Tj ET Q q 0 0 0 rg BT 73.32 604.25 Td (as ) Tj ET Q q 0 0 0 rg BT 87.21 604.25 Td (may) Tj ET Q q 0 0 0 rg BT 108.88 604.25 Td (, ) Tj ET Q q 0 0 0 rg BT 121.94 604.25 Td (should, ) Tj ET Q q 0 0 0 rg BT 167.22 604.25 Td (believe, ) Tj ET Q q 0 0 0 rg BT 214.15 604.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 246.36 604.25 Td (r) Tj ET Q q 0 0 0 rg BT 249.88 604.25 Td (esult ) Tj ET Q q 0 0 0 rg BT 273.76 604.25 Td (in, ) Tj ET Q q 0 0 0 rg BT 294.59 604.25 Td (expect, ) Tj ET Q q 0 0 0 rg BT 338.74 604.25 Td (would, ) Tj ET Q q 0 0 0 rg BT 381.81 604.25 Td (intend, ) Tj ET Q q 0 0 0 rg BT 425.42 604.25 Td (could, ) Tj ET Q q 0 0 0 rg BT 466.25 604.25 Td (pr) Tj ET Q q 0 0 0 rg BT 480.33 604.25 Td (edict, ) Tj ET Q q 0 0 0 rg BT 512.82 604.25 Td (potential, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (continue, ) Tj ET Q q 0 0 0 rg BT 99.70 592.25 Td (will, ) Tj ET Q q 0 0 0 rg BT 129.97 592.25 Td (anticipate, ) Tj ET Q q 0 0 0 rg BT 185.23 592.25 Td (seek, ) Tj ET Q q 0 0 0 rg BT 217.71 592.25 Td (estimate, ) Tj ET Q q 0 0 0 rg BT 266.30 592.25 Td (plan, ) Tj ET Q q 0 0 0 rg BT 299.34 592.25 Td (pr) Tj ET Q q 0 0 0 rg BT 313.43 592.25 Td (ojection, ) Tj ET Q q 0 0 0 rg BT 355.34 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 371.99 592.25 Td (outlook ) Tj ET Q q 0 0 0 rg BT 414.75 592.25 Td (or ) Tj ET Q q 0 0 0 rg BT 425.29 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 439.15 592.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 474.67 592.25 Td (version ) Tj ET Q q 0 0 0 rg BT 505.75 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 515.17 592.25 Td (those ) Tj ET Q q 0 0 0 rg BT 537.92 592.25 Td (wor) Tj ET Q q 0 0 0 rg BT 553.12 592.25 Td (ds ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.44 580.25 Td (other ) Tj ET Q q 0 0 0 rg BT 85.10 580.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 115.99 580.25 Td (wor) Tj ET Q q 0 0 0 rg BT 131.18 580.25 Td (ds ) Tj ET Q q 0 0 0 rg BT 142.62 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 152.95 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 160.50 580.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 187.36 580.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 228.24 580.25 Td (natur) Tj ET Q q 0 0 0 rg BT 249.54 580.25 Td (e. ) Tj ET Q q 0 0 0 rg BT 259.03 580.25 Td (These ) Tj ET Q q 0 0 0 rg BT 284.91 580.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 311.77 580.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 352.64 580.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 397.41 580.25 Td (ar) Tj ET Q q 0 0 0 rg BT 405.93 580.25 Td (e ) Tj ET Q q 0 0 0 rg BT 412.92 580.25 Td (not ) Tj ET Q q 0 0 0 rg BT 428.25 580.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 469.13 580.25 Td (facts, ) Tj ET Q q 0 0 0 rg BT 493.07 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 510.62 580.25 Td (ar) Tj ET Q q 0 0 0 rg BT 519.14 580.25 Td (e ) Tj ET Q q 0 0 0 rg BT 526.13 580.25 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 580.25 Td (on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (curr) Tj ET Q q 0 0 0 rg BT 66.85 568.25 Td (ent ) Tj ET Q q 0 0 0 rg BT 83.01 568.25 Td (expectations, ) Tj ET Q q 0 0 0 rg BT 139.43 568.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 180.59 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 199.54 568.25 Td (pr) Tj ET Q q 0 0 0 rg BT 208.06 568.25 Td (ojections ) Tj ET Q q 0 0 0 rg BT 248.10 568.25 Td (about ) Tj ET Q q 0 0 0 rg BT 274.82 568.25 Td (our ) Tj ET Q q 0 0 0 rg BT 292.66 568.25 Td (industry) Tj ET Q q 0 0 0 rg BT 324.89 568.25 Td (, ) Tj ET Q q 0 0 0 rg BT 331.33 568.25 Td (management) Tj ET Q q 0 0 0 rg BT 384.47 568.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.30 568.25 Td (beliefs ) Tj ET Q q 0 0 0 rg BT 422.35 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 441.29 568.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 473.56 568.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 526.96 568.25 Td (made ) Tj ET Q q 0 0 0 rg BT 552.56 568.25 Td (by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 106.07 556.25 Td (many ) Tj ET Q q 0 0 0 rg BT 130.19 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 140.44 556.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 169.29 556.25 Td (by ) Tj ET Q q 0 0 0 rg BT 181.20 556.25 Td (their ) Tj ET Q q 0 0 0 rg BT 202.55 556.25 Td (natur) Tj ET Q q 0 0 0 rg BT 223.85 556.25 Td (e, ) Tj ET Q q 0 0 0 rg BT 233.26 556.25 Td (ar) Tj ET Q q 0 0 0 rg BT 241.78 556.25 Td (e ) Tj ET Q q 0 0 0 rg BT 248.68 556.25 Td (inher) Tj ET Q q 0 0 0 rg BT 269.42 556.25 Td (ently ) Tj ET Q q 0 0 0 rg BT 291.32 556.25 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 332.11 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.58 556.25 Td (beyond ) Tj ET Q q 0 0 0 rg BT 380.93 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 397.28 556.25 Td (contr) Tj ET Q q 0 0 0 rg BT 418.02 556.25 Td (ol. ) Tj ET Q q 0 0 0 rg BT 430.59 556.25 Td (Accor) Tj ET Q q 0 0 0 rg BT 454.09 556.25 Td (dingly) Tj ET Q q 0 0 0 rg BT 478.54 556.25 Td (, ) Tj ET Q q 0 0 0 rg BT 483.51 556.25 Td (we ) Tj ET Q q 0 0 0 rg BT 497.08 556.25 Td (caution ) Tj ET Q q 0 0 0 rg BT 529.54 556.25 Td (you ) Tj ET Q q 0 0 0 rg BT 546.45 556.25 Td (that ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (any ) Tj ET Q q 0 0 0 rg BT 66.29 544.25 Td (such ) Tj ET Q q 0 0 0 rg BT 86.47 544.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 113.33 544.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 153.51 544.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 197.58 544.25 Td (ar) Tj ET Q q 0 0 0 rg BT 206.10 544.25 Td (e ) Tj ET Q q 0 0 0 rg BT 212.40 544.25 Td (not ) Tj ET Q q 0 0 0 rg BT 227.03 544.25 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 273.32 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 282.95 544.25 Td (futur) Tj ET Q q 0 0 0 rg BT 302.03 544.25 Td (e ) Tj ET Q q 0 0 0 rg BT 308.32 544.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 361.27 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.12 544.25 Td (ar) Tj ET Q q 0 0 0 rg BT 386.64 544.25 Td (e ) Tj ET Q q 0 0 0 rg BT 392.93 544.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 423.11 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.74 544.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 455.99 544.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 509.79 544.25 Td (uncertainties ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.81 532.25 Td (other ) Tj ET Q q 0 0 0 rg BT 93.74 532.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 125.33 532.25 Td (that ) Tj ET Q q 0 0 0 rg BT 144.70 532.25 Td (could ) Tj ET Q q 0 0 0 rg BT 170.73 532.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 197.32 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.35 532.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 242.16 532.25 Td (r) Tj ET Q q 0 0 0 rg BT 245.68 532.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 272.27 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 283.86 532.25 Td (differ ) Tj ET Q q 0 0 0 rg BT 309.34 532.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 354.26 532.25 Td (fr) Tj ET Q q 0 0 0 rg BT 360.56 532.25 Td (om ) Tj ET Q q 0 0 0 rg BT 376.59 532.25 Td (those ) Tj ET Q q 0 0 0 rg BT 401.52 532.25 Td (contemplated ) Tj ET Q q 0 0 0 rg BT 459.20 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 472.46 532.25 Td (these ) Tj ET Q q 0 0 0 rg BT 496.82 532.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 523.68 532.25 Td (d-looking ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 96.77 520.25 Td (Important ) Tj ET Q q 0 0 0 rg BT 138.83 520.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 168.66 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 186.27 520.25 Td (may ) Tj ET Q q 0 0 0 rg BT 204.99 520.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 229.81 520.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 256.87 520.25 Td (r) Tj ET Q q 0 0 0 rg BT 260.39 520.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 285.22 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.05 520.25 Td (differ ) Tj ET Q q 0 0 0 rg BT 318.77 520.25 Td (fr) Tj ET Q q 0 0 0 rg BT 325.07 520.25 Td (om ) Tj ET Q q 0 0 0 rg BT 339.35 520.25 Td (those ) Tj ET Q q 0 0 0 rg BT 362.51 520.25 Td (contemplated ) Tj ET Q q 0 0 0 rg BT 418.44 520.25 Td (by ) Tj ET Q q 0 0 0 rg BT 429.94 520.25 Td (these ) Tj ET Q q 0 0 0 rg BT 452.54 520.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 479.40 520.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 519.78 520.25 Td (statements ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (include, ) Tj ET Q q 0 0 0 rg BT 84.43 508.25 Td (but ) Tj ET Q q 0 0 0 rg BT 99.71 508.25 Td (ar) Tj ET Q q 0 0 0 rg BT 108.23 508.25 Td (e ) Tj ET Q q 0 0 0 rg BT 115.17 508.25 Td (not ) Tj ET Q q 0 0 0 rg BT 130.45 508.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 160.72 508.25 Td (to, ) Tj ET Q q 0 0 0 rg BT 173.50 508.25 Td (those ) Tj ET Q q 0 0 0 rg BT 197.11 508.25 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 236.83 508.25 Td (under ) Tj ET Q q 0 0 0 rg BT 262.66 508.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 287.93 508.25 Td (Factors ) Tj ET Q q 0 0 0 rg BT 327.10 508.25 Td (in ) Tj ET Q q 0 0 0 rg BT 337.38 508.25 Td (PartI ) Tj ET Q q 0 0 0 rg BT 363.49 508.25 Td (Item1A) Tj ET Q q 0 0 0 rg BT 394.69 508.25 Td ( ) Tj ET Q q 0 0 0 rg BT 397.19 508.25 Td (as ) Tj ET Q q 0 0 0 rg BT 408.58 508.25 Td (well ) Tj ET Q q 0 0 0 rg BT 427.74 508.25 Td (as ) Tj ET Q q 0 0 0 rg BT 439.14 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.85 508.25 Td (following ) Tj ET Q q 0 0 0 rg BT 494.14 508.25 Td (factors:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 490.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 490.25 Td (Local, r) Tj ET Q q 0 0 0 rg BT 117.30 490.25 Td (egional and national business or economic conditions may differ fr) Tj ET Q q 0 0 0 rg BT 385.52 490.25 Td (om those expected;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 472.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 472.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 96.19 472.25 Td (edit risk and r) Tj ET Q q 0 0 0 rg BT 152.21 472.25 Td (esulting losses in our loan portfolio;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 454.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 454.25 Td (Our allowance for loan losses may not be adequate to absorb loan losses;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 436.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 436.25 Td (Changes in r) Tj ET Q q 0 0 0 rg BT 137.30 436.25 Td (eal estate values could also incr) Tj ET Q q 0 0 0 rg BT 265.51 436.25 Td (ease our cr) Tj ET Q q 0 0 0 rg BT 310.13 436.25 Td (edit risk;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 418.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 418.25 Td (Changes in our key management personnel;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 400.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 400.25 Td (Inability to successfully execute our management team) Tj ET Q q 0 0 0 rg BT 306.86 400.25 Td (s strategic initiatives;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 382.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 382.25 Td (Our ability to successfully execute our gr) Tj ET Q q 0 0 0 rg BT 250.59 382.25 Td (owth initiatives such as branch openings and acquisitions;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 364.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 364.25 Td (V) Tj ET Q q 0 0 0 rg BT 91.00 364.25 Td (olatility and dir) Tj ET Q q 0 0 0 rg BT 153.41 364.25 Td (ection of market inter) Tj ET Q q 0 0 0 rg BT 239.40 364.25 Td (est rates;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 346.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 346.25 Td (Incr) Tj ET Q q 0 0 0 rg BT 102.29 346.25 Td (eased competition within our market ar) Tj ET Q q 0 0 0 rg BT 259.96 346.25 Td (ea which may limit our gr) Tj ET Q q 0 0 0 rg BT 363.19 346.25 Td (owth and pr) Tj ET Q q 0 0 0 rg BT 411.16 346.25 Td (ofitability;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 328.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 328.25 Td (Economic, market, operational, liquidity) Tj ET Q q 0 0 0 rg BT 248.20 328.25 Td (, cr) Tj ET Q q 0 0 0 rg BT 261.16 328.25 Td (edit and inter) Tj ET Q q 0 0 0 rg BT 314.67 328.25 Td (est rate risks associated with our business;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 310.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 310.25 Td (The effects of and changes in trade, monetary and fiscal policies and laws, including the Federal Reserve Boar) Tj ET Q q 0 0 0 rg BT 530.27 310.25 Td (d) Tj ET Q q 0 0 0 rg BT 537.31 310.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 298.25 Td (inter) Tj ET Q q 0 0 0 rg BT 104.52 298.25 Td (est rate policies;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 280.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 280.25 Td (Changes in accounting policies and practices, as may be adopted by r) Tj ET Q q 0 0 0 rg BT 366.14 280.25 Td (egulatory agencies, the Public Company ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 268.25 Td (Accounting Oversight Boar) Tj ET Q q 0 0 0 rg BT 195.61 268.25 Td (d or the Financial ) Tj ET Q q 0 0 0 rg BT 270.42 268.25 Td (Accounting Standar) Tj ET Q q 0 0 0 rg BT 349.76 268.25 Td (ds Boar) Tj ET Q q 0 0 0 rg BT 380.78 268.25 Td (d;) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 250.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 250.25 Td (Changes in law and r) Tj ET Q q 0 0 0 rg BT 171.75 250.25 Td (egulatory r) Tj ET Q q 0 0 0 rg BT 216.09 250.25 Td (equir) Tj ET Q q 0 0 0 rg BT 236.83 250.25 Td (ements \(including those concerning taxes, banking, securities and insurance\); ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 238.25 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 220.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 220.25 Td (Further governmental intervention in the U.S. financial system.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 190.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.33 190.25 Td (for) Tj ET Q q 0 0 0 rg BT 97.63 190.25 Td (egoing ) Tj ET Q q 0 0 0 rg BT 126.17 190.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 155.28 190.25 Td (should ) Tj ET Q q 0 0 0 rg BT 183.28 190.25 Td (not ) Tj ET Q q 0 0 0 rg BT 197.39 190.25 Td (be ) Tj ET Q q 0 0 0 rg BT 208.16 190.25 Td (construed ) Tj ET Q q 0 0 0 rg BT 248.93 190.25 Td (as ) Tj ET Q q 0 0 0 rg BT 259.15 190.25 Td (exhaustive. ) Tj ET Q q 0 0 0 rg BT 305.18 190.25 Td (If ) Tj ET Q q 0 0 0 rg BT 312.62 190.25 Td (one ) Tj ET Q q 0 0 0 rg BT 328.39 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 338.61 190.25 Td (mor) Tj ET Q q 0 0 0 rg BT 354.35 190.25 Td (e ) Tj ET Q q 0 0 0 rg BT 360.12 190.25 Td (events ) Tj ET Q q 0 0 0 rg BT 386.43 190.25 Td (r) Tj ET Q q 0 0 0 rg BT 389.95 190.25 Td (elated ) Tj ET Q q 0 0 0 rg BT 415.72 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 424.82 190.25 Td (these ) Tj ET Q q 0 0 0 rg BT 446.70 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 456.92 190.25 Td (other ) Tj ET Q q 0 0 0 rg BT 479.36 190.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 499.58 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 509.80 190.25 Td (uncertainties ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (materialize, ) Tj ET Q q 0 0 0 rg BT 99.87 178.25 Td (or ) Tj ET Q q 0 0 0 rg BT 111.13 178.25 Td (if ) Tj ET Q q 0 0 0 rg BT 119.06 178.25 Td (our ) Tj ET Q q 0 0 0 rg BT 135.32 178.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 181.02 178.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 232.85 178.25 Td (pr) Tj ET Q q 0 0 0 rg BT 241.37 178.25 Td (ove ) Tj ET Q q 0 0 0 rg BT 257.62 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 267.77 178.25 Td (be ) Tj ET Q q 0 0 0 rg BT 279.58 178.25 Td (incorr) Tj ET Q q 0 0 0 rg BT 304.21 178.25 Td (ect, ) Tj ET Q q 0 0 0 rg BT 320.73 178.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 348.10 178.25 Td (r) Tj ET Q q 0 0 0 rg BT 351.62 178.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 376.77 178.25 Td (may ) Tj ET Q q 0 0 0 rg BT 395.80 178.25 Td (differ ) Tj ET Q q 0 0 0 rg BT 419.84 178.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 463.32 178.25 Td (fr) Tj ET Q q 0 0 0 rg BT 469.61 178.25 Td (om ) Tj ET Q q 0 0 0 rg BT 484.21 178.25 Td (what ) Tj ET Q q 0 0 0 rg BT 506.03 178.25 Td (we ) Tj ET Q q 0 0 0 rg BT 519.51 178.25 Td (anticipate. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (Accor) Tj ET Q q 0 0 0 rg BT 73.51 166.25 Td (dingly) Tj ET Q q 0 0 0 rg BT 97.95 166.25 Td (, ) Tj ET Q q 0 0 0 rg BT 102.51 166.25 Td (you ) Tj ET Q q 0 0 0 rg BT 119.01 166.25 Td (should ) Tj ET Q q 0 0 0 rg BT 147.75 166.25 Td (not ) Tj ET Q q 0 0 0 rg BT 162.59 166.25 Td (place ) Tj ET Q q 0 0 0 rg BT 186.31 166.25 Td (undue ) Tj ET Q q 0 0 0 rg BT 212.81 166.25 Td (r) Tj ET Q q 0 0 0 rg BT 216.33 166.25 Td (eliance ) Tj ET Q q 0 0 0 rg BT 247.26 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.33 166.25 Td (any ) Tj ET Q q 0 0 0 rg BT 275.83 166.25 Td (such ) Tj ET Q q 0 0 0 rg BT 296.22 166.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 323.08 166.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 363.47 166.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 410.10 166.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 427.71 166.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 454.57 166.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 494.96 166.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 535.35 166.25 Td (speaks ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (only ) Tj ET Q q 0 0 0 rg BT 69.48 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 80.63 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 90.67 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.14 154.25 Td (date ) Tj ET Q q 0 0 0 rg BT 124.62 154.25 Td (on ) Tj ET Q q 0 0 0 rg BT 136.88 154.25 Td (which ) Tj ET Q q 0 0 0 rg BT 163.03 154.25 Td (it ) Tj ET Q q 0 0 0 rg BT 170.84 154.25 Td (is ) Tj ET Q q 0 0 0 rg BT 179.77 154.25 Td (made, ) Tj ET Q q 0 0 0 rg BT 206.19 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.45 154.25 Td (we ) Tj ET Q q 0 0 0 rg BT 236.82 154.25 Td (do ) Tj ET Q q 0 0 0 rg BT 249.08 154.25 Td (not ) Tj ET Q q 0 0 0 rg BT 264.12 154.25 Td (undertake ) Tj ET Q q 0 0 0 rg BT 306.36 154.25 Td (any ) Tj ET Q q 0 0 0 rg BT 323.06 154.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 366.43 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 376.47 154.25 Td (publicly ) Tj ET Q q 0 0 0 rg BT 410.94 154.25 Td (update ) Tj ET Q q 0 0 0 rg BT 440.42 154.25 Td (or ) Tj ET Q q 0 0 0 rg BT 451.57 154.25 Td (r) Tj ET Q q 0 0 0 rg BT 455.09 154.25 Td (eview ) Tj ET Q q 0 0 0 rg BT 480.12 154.25 Td (any ) Tj ET Q q 0 0 0 rg BT 496.81 154.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 523.67 154.25 Td (d-looking ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (statement, ) Tj ET Q q 0 0 0 rg BT 93.35 142.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 128.09 142.25 Td (as ) Tj ET Q q 0 0 0 rg BT 139.51 142.25 Td (a ) Tj ET Q q 0 0 0 rg BT 147.04 142.25 Td (r) Tj ET Q q 0 0 0 rg BT 150.56 142.25 Td (esult ) Tj ET Q q 0 0 0 rg BT 171.97 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.27 142.25 Td (new ) Tj ET Q q 0 0 0 rg BT 200.91 142.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 253.16 142.25 Td (futur) Tj ET Q q 0 0 0 rg BT 272.24 142.25 Td (e ) Tj ET Q q 0 0 0 rg BT 279.20 142.25 Td (developments ) Tj ET Q q 0 0 0 rg BT 336.15 142.25 Td (or ) Tj ET Q q 0 0 0 rg BT 347.57 142.25 Td (otherwise. ) Tj ET Q q 0 0 0 rg BT 391.48 142.25 Td (New ) Tj ET Q q 0 0 0 rg BT 411.79 142.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 442.09 142.25 Td (emer) Tj ET Q q 0 0 0 rg BT 461.71 142.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 473.67 142.25 Td (fr) Tj ET Q q 0 0 0 rg BT 479.97 142.25 Td (om ) Tj ET Q q 0 0 0 rg BT 494.72 142.25 Td (time ) Tj ET Q q 0 0 0 rg BT 514.46 142.25 Td (to ) Tj ET Q q 0 0 0 rg BT 524.77 142.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 547.01 142.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (it ) Tj ET Q q 0 0 0 rg BT 57.96 130.25 Td (is ) Tj ET Q q 0 0 0 rg BT 67.04 130.25 Td (not ) Tj ET Q q 0 0 0 rg BT 82.23 130.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 117.41 130.25 Td (for ) Tj ET Q q 0 0 0 rg BT 131.49 130.25 Td (us ) Tj ET Q q 0 0 0 rg BT 142.79 130.25 Td (to ) Tj ET Q q 0 0 0 rg BT 152.97 130.25 Td (pr) Tj ET Q q 0 0 0 rg BT 161.49 130.25 Td (edict ) Tj ET Q q 0 0 0 rg BT 183.33 130.25 Td (which ) Tj ET Q q 0 0 0 rg BT 209.63 130.25 Td (will ) Tj ET Q q 0 0 0 rg BT 227.04 130.25 Td (arise. ) Tj ET Q q 0 0 0 rg BT 251.95 130.25 Td (In ) Tj ET Q q 0 0 0 rg BT 262.69 130.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 300.93 130.25 Td (we ) Tj ET Q q 0 0 0 rg BT 314.44 130.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 344.07 130.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 371.48 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.10 130.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 415.73 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.91 130.25 Td (each ) Tj ET Q q 0 0 0 rg BT 447.20 130.25 Td (factor ) Tj ET Q q 0 0 0 rg BT 473.49 130.25 Td (on ) Tj ET Q q 0 0 0 rg BT 485.90 130.25 Td (our ) Tj ET Q q 0 0 0 rg BT 502.20 130.25 Td (business ) Tj ET Q q 0 0 0 rg BT 538.50 130.25 Td (or ) Tj ET Q q 0 0 0 rg BT 549.79 130.25 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 76.73 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 87.38 118.25 Td (which ) Tj ET Q q 0 0 0 rg BT 114.13 118.25 Td (any ) Tj ET Q q 0 0 0 rg BT 131.43 118.25 Td (factor) Tj ET Q q 0 0 0 rg BT 154.21 118.25 Td (, ) Tj ET Q q 0 0 0 rg BT 159.57 118.25 Td (or ) Tj ET Q q 0 0 0 rg BT 171.32 118.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 224.18 118.25 Td (of ) Tj ET Q q 0 0 0 rg BT 234.82 118.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 267.96 118.25 Td (may ) Tj ET Q q 0 0 0 rg BT 287.49 118.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 313.12 118.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 340.97 118.25 Td (r) Tj ET Q q 0 0 0 rg BT 344.50 118.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 370.14 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 380.78 118.25 Td (differ ) Tj ET Q q 0 0 0 rg BT 405.31 118.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 449.27 118.25 Td (fr) Tj ET Q q 0 0 0 rg BT 455.57 118.25 Td (om ) Tj ET Q q 0 0 0 rg BT 470.65 118.25 Td (those ) Tj ET Q q 0 0 0 rg BT 494.63 118.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 536.92 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 547.56 118.25 Td (any ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 76.86 106.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 117.69 106.25 Td (statements.) Tj ET Q 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 (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 110.95 724.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 150.79 724.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 181.47 724.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 199.37 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 208.66 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 215.73 724.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 237.79 724.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 270.98 724.25 Td (company) Tj ET Q q 0 0 0 rg BT 306.98 724.25 Td (, ) Tj ET Q q 0 0 0 rg BT 312.11 724.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 371.37 724.25 Td (in ) Tj ET Q q 0 0 0 rg BT 381.77 724.25 Td (New ) Tj ET Q q 0 0 0 rg BT 403.28 724.25 Td (Canaan, ) Tj ET Q q 0 0 0 rg BT 438.39 724.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 489.34 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 506.41 724.25 Td (of) Tj ET Q q 0 0 0 rg BT 514.56 724.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 532.17 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 539.24 724.25 Td (broad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (range ) Tj ET Q q 0 0 0 rg BT 74.86 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 85.84 712.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 123.47 712.25 Td (services ) Tj ET Q q 0 0 0 rg BT 158.33 712.25 Td (through ) Tj ET Q q 0 0 0 rg BT 192.09 712.25 Td (its ) Tj ET Q q 0 0 0 rg BT 204.19 712.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 239.06 712.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 279.52 712.25 Td (, ) Tj ET Q q 0 0 0 rg BT 284.67 712.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 325.64 712.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 349.40 712.25 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 398.73 712.25 Td (, ) Tj ET Q q 0 0 0 rg BT 403.88 712.25 Td (we, ) Tj ET Q q 0 0 0 rg BT 420.69 712.25 Td (our) Tj ET Q q 0 0 0 rg BT 433.62 712.25 Td (, ) Tj ET Q q 0 0 0 rg BT 438.77 712.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 452.82 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 467.69 712.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 509.22 712.25 Td (or ) Tj ET Q q 0 0 0 rg BT 520.21 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.07 712.25 Td (Bank\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.11 700.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 106.10 700.25 Td (state ) Tj ET Q q 0 0 0 rg BT 126.10 700.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 164.96 700.25 Td (non-member ) Tj ET Q q 0 0 0 rg BT 217.73 700.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 238.84 700.25 Td (founded ) Tj ET Q q 0 0 0 rg BT 273.28 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 282.73 700.25 Td (2002. ) Tj ET Q q 0 0 0 rg BT 306.90 700.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 324.12 700.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 357.45 700.25 Td (market ) Tj ET Q q 0 0 0 rg BT 386.88 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 395.22 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.11 700.25 Td (New ) Tj ET Q q 0 0 0 rg BT 429.42 700.25 Td (Y) Tj ET Q q 0 0 0 rg BT 435.64 700.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 450.64 700.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 503.41 700.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 524.23 700.25 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 85.97 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 101.94 688.25 Td (New ) Tj ET Q q 0 0 0 rg BT 122.36 688.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 149.99 688.25 Td (Counties, ) Tj ET Q q 0 0 0 rg BT 189.58 688.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 241.94 688.25 Td (which ) Tj ET Q q 0 0 0 rg BT 267.91 688.25 Td (we ) Tj ET Q q 0 0 0 rg BT 281.11 688.25 Td (serve ) Tj ET Q q 0 0 0 rg BT 303.74 688.25 Td (from ) Tj ET Q q 0 0 0 rg BT 324.71 688.25 Td (our ) Tj ET Q q 0 0 0 rg BT 339.58 688.25 Td (main ) Tj ET Q q 0 0 0 rg BT 361.11 688.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 394.86 688.25 Td (of) Tj ET Q q 0 0 0 rg BT 403.01 688.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 419.53 688.25 Td (located ) Tj ET Q q 0 0 0 rg BT 449.93 688.25 Td (in ) Tj ET Q q 0 0 0 rg BT 459.25 688.25 Td (New ) Tj ET Q q 0 0 0 rg BT 479.66 688.25 Td (Canaan, ) Tj ET Q q 0 0 0 rg BT 513.68 688.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.14 676.25 Td (eleven ) Tj ET Q q 0 0 0 rg BT 95.93 676.25 Td (other ) Tj ET Q q 0 0 0 rg BT 119.18 676.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 149.09 676.25 Td (of) Tj ET Q q 0 0 0 rg BT 157.24 676.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 178.81 676.25 Td (located ) Tj ET Q q 0 0 0 rg BT 210.39 676.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 256.97 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.89 676.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 309.02 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 326.16 676.25 Td (New ) Tj ET Q q 0 0 0 rg BT 347.74 676.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 376.54 676.25 Td (Counties ) Tj ET Q q 0 0 0 rg BT 414.80 676.25 Td (area. ) Tj ET Q q 0 0 0 rg BT 436.05 676.25 Td (As ) Tj ET Q q 0 0 0 rg BT 449.86 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.89 676.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 519.68 676.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 544.88 676.25 Td (on ) Tj ET Q q 0 0 0 rg BT 557.58 676.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.68 664.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 129.31 664.25 Td (we ) Tj ET Q q 0 0 0 rg BT 144.11 664.25 Td (had ) Tj ET Q q 0 0 0 rg BT 161.68 664.25 Td (total ) Tj ET Q q 0 0 0 rg BT 182.59 664.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 209.05 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.52 664.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 281.41 664.25 Td ($1.9billion, ) Tj ET Q q 0 0 0 rg BT 333.16 664.25 Td (net ) Tj ET Q q 0 0 0 rg BT 348.51 664.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 372.75 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 384.22 664.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 445.11 664.25 Td ($1.6billion, ) Tj ET Q q 0 0 0 rg BT 496.86 664.25 Td (total ) Tj ET Q q 0 0 0 rg BT 517.77 664.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 553.68 664.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 110.26 652.25 Td ($1.5billion, ) Tj ET Q q 0 0 0 rg BT 161.37 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.31 652.25 Td (shareholders) Tj ET Q q 0 0 0 rg BT 231.44 652.25 Td ( ) Tj ET Q q 0 0 0 rg BT 233.94 652.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 261.43 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 272.26 652.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 332.52 652.25 Td ($174.2million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 634.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 634.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.41 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.95 634.25 Td (committed ) Tj ET Q q 0 0 0 rg BT 145.05 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 155.16 634.25 Td (being ) Tj ET Q q 0 0 0 rg BT 179.71 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 194.26 634.25 Td (premier ) Tj ET Q q 0 0 0 rg BT 227.69 634.25 Td (Hometown ) Tj ET Q q 0 0 0 rg BT 283.34 634.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 305.11 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 315.22 634.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 351.99 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 368.76 634.25 Td (New ) Tj ET Q q 0 0 0 rg BT 389.97 634.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 418.40 634.25 Td (Counties ) Tj ET Q q 0 0 0 rg BT 456.29 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.07 634.25 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 523.73 634.25 Td (areas. ) Tj ET Q q 0 0 0 rg BT 548.93 634.25 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 634.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 81.16 622.25 Td (that ) Tj ET Q q 0 0 0 rg BT 98.45 622.25 Td (our ) Tj ET Q q 0 0 0 rg BT 114.07 622.25 Td (market ) Tj ET Q q 0 0 0 rg BT 144.13 622.25 Td (exhibits ) Tj ET Q q 0 0 0 rg BT 178.08 622.25 Td (attractive ) Tj ET Q q 0 0 0 rg BT 217.57 622.25 Td (demographic ) Tj ET Q q 0 0 0 rg BT 272.07 622.25 Td (attributes ) Tj ET Q q 0 0 0 rg BT 311.57 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 328.30 622.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 363.36 622.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 412.86 622.25 Td (dynamics, ) Tj ET Q q 0 0 0 rg BT 455.97 622.25 Td (thereby ) Tj ET Q q 0 0 0 rg BT 488.25 622.25 Td (of) Tj ET Q q 0 0 0 rg BT 496.40 622.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 522.57 622.25 Td (long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 105.49 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 119.86 610.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 153.21 610.25 Td (W) Tj ET Q q 0 0 0 rg BT 161.84 610.25 Td (e ) Tj ET Q q 0 0 0 rg BT 168.99 610.25 Td (have ) Tj ET Q q 0 0 0 rg BT 190.58 610.25 Td (a ) Tj ET Q q 0 0 0 rg BT 197.73 610.25 Td (history ) Tj ET Q q 0 0 0 rg BT 228.22 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.27 610.25 Td (building ) Tj ET Q q 0 0 0 rg BT 275.31 610.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 317.46 610.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 356.83 610.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 410.64 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 427.79 610.25 Td (attracting ) Tj ET Q q 0 0 0 rg BT 468.27 610.25 Td (new ) Tj ET Q q 0 0 0 rg BT 487.64 610.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 530.90 610.25 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (what ) Tj ET Q q 0 0 0 rg BT 71.72 598.25 Td (we ) Tj ET Q q 0 0 0 rg BT 85.66 598.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 116.82 598.25 Td (is ) Tj ET Q q 0 0 0 rg BT 125.77 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 141.38 598.25 Td (superior ) Tj ET Q q 0 0 0 rg BT 176.43 598.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 215.37 598.25 Td (service ) Tj ET Q q 0 0 0 rg BT 245.96 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.68 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 278.30 598.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 306.13 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 316.19 598.25 Td (deliver ) Tj ET Q q 0 0 0 rg BT 346.23 598.25 Td (a ) Tj ET Q q 0 0 0 rg BT 352.96 598.25 Td (diverse ) Tj ET Q q 0 0 0 rg BT 384.11 598.25 Td (product ) Tj ET Q q 0 0 0 rg BT 416.94 598.25 Td (of) Tj ET Q q 0 0 0 rg BT 425.09 598.25 Td (fering. ) Tj ET Q q 0 0 0 rg BT 453.75 598.25 Td (In ) Tj ET Q q 0 0 0 rg BT 464.36 598.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 501.92 598.25 Td (we ) Tj ET Q q 0 0 0 rg BT 515.86 598.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 547.01 598.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.19 586.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 92.04 586.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 120.55 586.25 Td (position ) Tj ET Q q 0 0 0 rg BT 154.63 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 170.92 586.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 210.54 586.25 Td (local ) Tj ET Q q 0 0 0 rg BT 231.83 586.25 Td (ownership, ) Tj ET Q q 0 0 0 rg BT 277.85 586.25 Td (coupled ) Tj ET Q q 0 0 0 rg BT 311.36 586.25 Td (with ) Tj ET Q q 0 0 0 rg BT 330.99 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 337.29 586.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 364.70 586.25 Td (respected ) Tj ET Q q 0 0 0 rg BT 404.31 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 420.60 586.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 470.76 586.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 510.92 586.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (team ) Tj ET Q q 0 0 0 rg BT 71.44 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 87.88 574.25 Td (board ) Tj ET Q q 0 0 0 rg BT 112.66 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.99 574.25 Td (directors, ) Tj ET Q q 0 0 0 rg BT 162.49 574.25 Td (give ) Tj ET Q q 0 0 0 rg BT 181.71 574.25 Td (us ) Tj ET Q q 0 0 0 rg BT 192.61 574.25 Td (credibility ) Tj ET Q q 0 0 0 rg BT 235.71 574.25 Td (with ) Tj ET Q q 0 0 0 rg BT 255.49 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 270.83 574.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 313.38 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.83 574.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 366.82 574.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 409.38 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 419.16 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 434.50 574.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 466.77 574.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 484.32 574.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 507.99 574.25 Td (is ) Tj ET Q q 0 0 0 rg BT 516.67 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 528.67 574.25 Td (building ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.25 562.25 Td (franchise ) Tj ET Q q 0 0 0 rg BT 94.72 562.25 Td (with ) Tj ET Q q 0 0 0 rg BT 114.31 562.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 161.67 562.25 Td (market ) Tj ET Q q 0 0 0 rg BT 191.25 562.25 Td (share ) Tj ET Q q 0 0 0 rg BT 214.17 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 230.42 562.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 272.23 562.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 305.69 562.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 335.84 562.25 Td (complemented ) Tj ET Q q 0 0 0 rg BT 396.52 562.25 Td (by ) Tj ET Q q 0 0 0 rg BT 408.34 562.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 455.14 562.25 Td (ef) Tj ET Q q 0 0 0 rg BT 462.72 562.25 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 502.85 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 519.66 562.25 Td (we ) Tj ET Q q 0 0 0 rg BT 533.14 562.25 Td (believe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (will ) Tj ET Q q 0 0 0 rg BT 68.06 550.25 Td (produce ) Tj ET Q q 0 0 0 rg BT 102.76 550.25 Td (attractive ) Tj ET Q q 0 0 0 rg BT 142.46 550.25 Td (risk-adjusted ) Tj ET Q q 0 0 0 rg BT 196.62 550.25 Td (returns ) Tj ET Q q 0 0 0 rg BT 226.88 550.25 Td (for ) Tj ET Q q 0 0 0 rg BT 241.04 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 256.88 550.25 Td (shareholders.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 532.25 Td ( History and Gr) Tj ET Q q 0 0 0 rg BT 135.47 532.25 Td (owth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 514.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 111.41 514.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 135.60 514.25 Td (was ) Tj ET Q q 0 0 0 rg BT 154.23 514.25 Td (originally ) Tj ET Q q 0 0 0 rg BT 196.19 514.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 236.46 514.25 Td (as ) Tj ET Q q 0 0 0 rg BT 247.88 514.25 Td (two ) Tj ET Q q 0 0 0 rg BT 265.96 514.25 Td (separate ) Tj ET Q q 0 0 0 rg BT 301.79 514.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 330.48 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 349.11 514.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 373.30 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 384.71 514.25 Td (New ) Tj ET Q q 0 0 0 rg BT 406.67 514.25 Td (Canaan ) Tj ET Q q 0 0 0 rg BT 439.74 514.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 483.92 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 491.44 514.25 Td (separate ) Tj ET Q q 0 0 0 rg BT 527.28 514.25 Td (division, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Stamford ) Tj ET Q q 0 0 0 rg BT 90.26 502.25 Td (First ) Tj ET Q q 0 0 0 rg BT 111.64 502.25 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 139.13 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.39 502.25 Td (The ) Tj ET Q q 0 0 0 rg BT 174.98 502.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 199.13 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.50 502.25 Td (Fairfield, ) Tj ET Q q 0 0 0 rg BT 250.48 502.25 Td (which ) Tj ET Q q 0 0 0 rg BT 277.96 502.25 Td (were ) Tj ET Q q 0 0 0 rg BT 300.43 502.25 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 355.69 502.25 Td (mer) Tj ET Q q 0 0 0 rg BT 371.06 502.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 388.54 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.02 502.25 Td (rebranded ) Tj ET Q q 0 0 0 rg BT 449.04 502.25 Td (as ) Tj ET Q q 0 0 0 rg BT 460.42 502.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 506.22 502.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 537.31 502.25 Td (It ) Tj ET Q q 0 0 0 rg BT 546.47 502.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 89.10 490.25 Td (with ) Tj ET Q q 0 0 0 rg BT 108.79 490.25 Td (a ) Tj ET Q q 0 0 0 rg BT 115.14 490.25 Td (commitment ) Tj ET Q q 0 0 0 rg BT 167.60 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.29 490.25 Td (building ) Tj ET Q q 0 0 0 rg BT 212.53 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.66 490.25 Td (premier ) Tj ET Q q 0 0 0 rg BT 259.67 490.25 Td (community ) Tj ET Q q 0 0 0 rg BT 307.13 490.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 328.48 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 338.17 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 352.29 490.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 385.86 490.25 Td (we ) Tj ET Q q 0 0 0 rg BT 399.43 490.25 Td (serve. ) Tj ET Q q 0 0 0 rg BT 424.80 490.25 Td (W) Tj ET Q q 0 0 0 rg BT 433.44 490.25 Td (e ) Tj ET Q q 0 0 0 rg BT 439.79 490.25 Td (began ) Tj ET Q q 0 0 0 rg BT 465.58 490.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 509.14 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.41 490.25 Td (April2002 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.32 478.25 Td (an ) Tj ET Q q 0 0 0 rg BT 80.30 478.25 Td (initial ) Tj ET Q q 0 0 0 rg BT 105.18 478.25 Td (capitalization ) Tj ET Q q 0 0 0 rg BT 160.58 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 170.45 478.25 Td ($8.6million. ) Tj ET Q q 0 0 0 rg BT 223.39 478.25 Td (On ) Tj ET Q q 0 0 0 rg BT 237.15 478.25 Td (November5, ) Tj ET Q q 0 0 0 rg BT 290.90 478.25 Td (2013, ) Tj ET Q q 0 0 0 rg BT 314.95 478.25 Td (we ) Tj ET Q q 0 0 0 rg BT 328.15 478.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 364.00 478.25 Td (The ) Tj ET Q q 0 0 0 rg BT 380.98 478.25 Td (W) Tj ET Q q 0 0 0 rg BT 390.02 478.25 Td (ilton ) Tj ET Q q 0 0 0 rg BT 409.90 478.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 435.05 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 451.03 478.25 Td (it ) Tj ET Q q 0 0 0 rg BT 458.13 478.25 Td (was ) Tj ET Q q 0 0 0 rg BT 475.23 478.25 Td (mer) Tj ET Q q 0 0 0 rg BT 490.59 478.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 506.57 478.25 Td (into ) Tj ET Q q 0 0 0 rg BT 523.67 478.25 Td (Bankwell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 76.11 466.25 Td (On ) Tj ET Q q 0 0 0 rg BT 90.83 466.25 Td (October1, ) Tj ET Q q 0 0 0 rg BT 135.54 466.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 160.54 466.25 Td (we ) Tj ET Q q 0 0 0 rg BT 174.70 466.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 211.62 466.25 Td (Quinnipiac ) Tj ET Q q 0 0 0 rg BT 258.55 466.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 282.16 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.92 466.25 Td (T) Tj ET Q q 0 0 0 rg BT 304.68 466.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 322.18 466.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 363.56 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.50 466.25 Td (it ) Tj ET Q q 0 0 0 rg BT 388.56 466.25 Td (was ) Tj ET Q q 0 0 0 rg BT 406.61 466.25 Td (mer) Tj ET Q q 0 0 0 rg BT 421.98 466.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 438.92 466.25 Td (into ) Tj ET Q q 0 0 0 rg BT 456.97 466.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 497.80 466.25 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 448.25 Td (W) Tj ET Q q 0 0 0 rg BT 79.04 448.25 Td (ith ) Tj ET Q q 0 0 0 rg BT 91.00 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.62 448.25 Td (ef) Tj ET Q q 0 0 0 rg BT 112.21 448.25 Td (forts ) Tj ET Q q 0 0 0 rg BT 131.94 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.67 448.25 Td (our ) Tj ET Q q 0 0 0 rg BT 156.40 448.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 182.81 448.25 Td (management ) Tj ET Q q 0 0 0 rg BT 235.30 448.25 Td (team, ) Tj ET Q q 0 0 0 rg BT 258.63 448.25 Td (we ) Tj ET Q q 0 0 0 rg BT 271.70 448.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 312.53 448.25 Td (our ) Tj ET Q q 0 0 0 rg BT 327.27 448.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 357.00 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.84 448.25 Td (maintained ) Tj ET Q q 0 0 0 rg BT 418.67 448.25 Td (a ) Tj ET Q q 0 0 0 rg BT 424.51 448.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 450.92 448.25 Td (track ) Tj ET Q q 0 0 0 rg BT 472.31 448.25 Td (record ) Tj ET Q q 0 0 0 rg BT 499.25 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.98 448.25 Td (performance. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (From ) Tj ET Q q 0 0 0 rg BT 74.13 436.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.66 436.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 155.12 436.25 Td (through ) Tj ET Q q 0 0 0 rg BT 188.68 436.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 247.22 436.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 272.18 436.25 Td (our ) Tj ET Q q 0 0 0 rg BT 287.96 436.25 Td (total ) Tj ET Q q 0 0 0 rg BT 308.19 436.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 333.98 436.25 Td (grew ) Tj ET Q q 0 0 0 rg BT 356.42 436.25 Td (from ) Tj ET Q q 0 0 0 rg BT 378.31 436.25 Td ($1.1billion ) Tj ET Q q 0 0 0 rg BT 426.88 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 437.12 436.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 497.33 436.25 Td ($1.9billion; ) Tj ET Q q 0 0 0 rg BT 548.68 436.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 74.21 424.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 98.42 424.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 148.19 424.25 Td (grew ) Tj ET Q q 0 0 0 rg BT 171.28 424.25 Td (from ) Tj ET Q q 0 0 0 rg BT 193.82 424.25 Td ($929.8million ) Tj ET Q q 0 0 0 rg BT 255.81 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 266.69 424.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 327.55 424.25 Td ($1.6billion ) Tj ET Q q 0 0 0 rg BT 376.76 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.30 424.25 Td (our ) Tj ET Q q 0 0 0 rg BT 410.73 424.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 446.61 424.25 Td (grew ) Tj ET Q q 0 0 0 rg BT 469.70 424.25 Td (from ) Tj ET Q q 0 0 0 rg BT 492.24 424.25 Td ($835.4million ) Tj ET Q q 0 0 0 rg BT 554.23 424.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 109.98 412.25 Td ($1.5billion. ) Tj ET Q q 0 0 0 rg BT 160.66 412.25 Td (W) Tj ET Q q 0 0 0 rg BT 169.30 412.25 Td (e ) Tj ET Q q 0 0 0 rg BT 175.96 412.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 207.06 412.25 Td (this ) Tj ET Q q 0 0 0 rg BT 223.73 412.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 254.28 412.25 Td (was ) Tj ET Q q 0 0 0 rg BT 272.06 412.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 299.83 412.25 Td (by ) Tj ET Q q 0 0 0 rg BT 312.05 412.25 Td (our ) Tj ET Q q 0 0 0 rg BT 327.61 412.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 355.38 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.39 412.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 398.16 412.25 Td (superior ) Tj ET Q q 0 0 0 rg BT 433.15 412.25 Td (service ) Tj ET Q q 0 0 0 rg BT 463.69 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 473.69 412.25 Td (our ) Tj ET Q q 0 0 0 rg BT 489.25 412.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 532.02 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 548.68 412.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 400.25 Td (stability) Tj ET Q q 0 0 0 rg BT 119.05 400.25 Td (. ) Tj ET Q q 0 0 0 rg BT 123.87 400.25 Td (This ) Tj ET Q q 0 0 0 rg BT 144.15 400.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 163.87 400.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 194.70 400.25 Td (was ) Tj ET Q q 0 0 0 rg BT 212.75 400.25 Td (achieved ) Tj ET Q q 0 0 0 rg BT 250.78 400.25 Td (while ) Tj ET Q q 0 0 0 rg BT 275.50 400.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 325.77 400.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.60 400.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 365.76 400.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.26 400.25 Td (our ) Tj ET Q q 0 0 0 rg BT 394.09 400.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 421.59 400.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 475.74 400.25 Td (standards.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (Business Strategy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 364.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 364.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.05 364.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.22 364.25 Td (focused ) Tj ET Q q 0 0 0 rg BT 132.29 364.25 Td (on ) Tj ET Q q 0 0 0 rg BT 144.26 364.25 Td (being ) Tj ET Q q 0 0 0 rg BT 168.45 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 182.64 364.25 Td (Hometown ) Tj ET Q q 0 0 0 rg BT 237.92 364.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 259.33 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 275.74 364.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 309.93 364.25 Td (provider ) Tj ET Q q 0 0 0 rg BT 345.77 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.07 364.25 Td (choice ) Tj ET Q q 0 0 0 rg BT 384.14 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.89 364.25 Td (our ) Tj ET Q q 0 0 0 rg BT 409.19 364.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 436.71 364.25 Td (attractive ) Tj ET Q q 0 0 0 rg BT 475.88 364.25 Td (market ) Tj ET Q q 0 0 0 rg BT 505.62 364.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 528.12 364.25 Td (through:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 346.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 346.25 Td (Responsive, ) Tj ET Q q 0 0 0 rg BT 135.81 346.25 Td (Customer) Tj ET Q q 0 0 0 rg BT 174.50 346.25 Td (-Centric ) Tj ET Q q 0 0 0 rg BT 210.14 346.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 219.77 346.25 Td (oducts ) Tj ET Q q 0 0 0 rg BT 248.20 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.52 346.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 301.16 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.48 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 325.80 346.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 374.23 346.25 Td (Focus.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.17 346.25 Td () Tj ET Q q 0 0 0 rg BT 408.49 346.25 Td (W) Tj ET Q q 0 0 0 rg BT 417.13 346.25 Td (e ) Tj ET Q q 0 0 0 rg BT 423.88 346.25 Td (of) Tj ET Q q 0 0 0 rg BT 432.03 346.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 445.45 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.21 346.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 477.30 346.25 Td (array ) Tj ET Q q 0 0 0 rg BT 500.16 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 510.81 346.25 Td (products ) Tj ET Q q 0 0 0 rg BT 547.57 346.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 334.25 Td (services ) Tj ET Q q 0 0 0 rg BT 120.62 334.25 Td (which ) Tj ET Q q 0 0 0 rg BT 147.48 334.25 Td (we ) Tj ET Q q 0 0 0 rg BT 161.56 334.25 Td (customize ) Tj ET Q q 0 0 0 rg BT 204.52 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 214.71 334.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 239.34 334.25 Td (us ) Tj ET Q q 0 0 0 rg BT 250.65 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 260.85 334.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 284.93 334.25 Td (on ) Tj ET Q q 0 0 0 rg BT 297.34 334.25 Td (building ) Tj ET Q q 0 0 0 rg BT 333.09 334.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 374.95 334.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 428.47 334.25 Td (with ) Tj ET Q q 0 0 0 rg BT 448.66 334.25 Td (our ) Tj ET Q q 0 0 0 rg BT 464.41 334.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 507.37 334.25 Td (through ) Tj ET Q q 0 0 0 rg BT 540.90 334.25 Td (high-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 322.25 Td (quality) Tj ET Q q 0 0 0 rg BT 113.12 322.25 Td (, ) Tj ET Q q 0 0 0 rg BT 117.97 322.25 Td (responsive ) Tj ET Q q 0 0 0 rg BT 163.08 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 179.86 322.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 216.08 322.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 255.08 322.25 Td (service. ) Tj ET Q q 0 0 0 rg BT 288.24 322.25 Td (By ) Tj ET Q q 0 0 0 rg BT 302.25 322.25 Td (focusing ) Tj ET Q q 0 0 0 rg BT 339.03 322.25 Td (on ) Tj ET Q q 0 0 0 rg BT 351.37 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.93 322.25 Td (entire ) Tj ET Q q 0 0 0 rg BT 391.04 322.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 430.04 322.25 Td (relationship, ) Tj ET Q q 0 0 0 rg BT 482.09 322.25 Td (we ) Tj ET Q q 0 0 0 rg BT 496.09 322.25 Td (build ) Tj ET Q q 0 0 0 rg BT 518.99 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 533.55 322.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 553.67 322.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.25 Td (our ) Tj ET Q q 0 0 0 rg BT 101.98 310.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 145.18 310.25 Td (which ) Tj ET Q q 0 0 0 rg BT 172.27 310.25 Td (leads ) Tj ET Q q 0 0 0 rg BT 195.47 310.25 Td (to ) Tj ET Q q 0 0 0 rg BT 205.90 310.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 247.98 310.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 301.74 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.83 310.25 Td (generates ) Tj ET Q q 0 0 0 rg BT 359.23 310.25 Td (our ) Tj ET Q q 0 0 0 rg BT 375.21 310.25 Td (or) Tj ET Q q 0 0 0 rg BT 383.36 310.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 407.67 310.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 441.15 310.25 Td (In ) Tj ET Q q 0 0 0 rg BT 452.13 310.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 490.06 310.25 Td (we ) Tj ET Q q 0 0 0 rg BT 504.37 310.25 Td (are ) Tj ET Q q 0 0 0 rg BT 519.23 310.25 Td (committed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.31 298.25 Td (meeting ) Tj ET Q q 0 0 0 rg BT 133.06 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.81 298.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 175.12 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.98 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 202.73 298.25 Td (communities ) Tj ET Q q 0 0 0 rg BT 257.93 298.25 Td (that ) Tj ET Q q 0 0 0 rg BT 276.46 298.25 Td (we ) Tj ET Q q 0 0 0 rg BT 291.65 298.25 Td (serve. ) Tj ET Q q 0 0 0 rg BT 318.79 298.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 337.88 298.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 384.17 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 399.92 298.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 438.45 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 449.76 298.25 Td (many ) Tj ET Q q 0 0 0 rg BT 475.51 298.25 Td (civic ) Tj ET Q q 0 0 0 rg BT 498.48 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.45 298.25 Td (community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 286.25 Td (or) Tj ET Q q 0 0 0 rg BT 94.15 286.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 141.96 286.25 Td (which ) Tj ET Q q 0 0 0 rg BT 168.66 286.25 Td (we ) Tj ET Q q 0 0 0 rg BT 182.59 286.25 Td (support ) Tj ET Q q 0 0 0 rg BT 214.85 286.25 Td (through ) Tj ET Q q 0 0 0 rg BT 248.23 286.25 Td (sponsorships. ) Tj ET Q q 0 0 0 rg BT 304.17 286.25 Td (As ) Tj ET Q q 0 0 0 rg BT 317.55 286.25 Td (a ) Tj ET Q q 0 0 0 rg BT 324.25 286.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 351.23 286.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 394.04 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 410.75 286.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 448.00 286.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 490.82 286.25 Td (within ) Tj ET Q q 0 0 0 rg BT 518.64 286.25 Td (our ) Tj ET Q q 0 0 0 rg BT 534.24 286.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 274.25 Td (know ) Tj ET Q q 0 0 0 rg BT 110.55 274.25 Td (about ) Tj ET Q q 0 0 0 rg BT 135.09 274.25 Td (us ) Tj ET Q q 0 0 0 rg BT 146.31 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 163.08 274.25 Td (frequently ) Tj ET Q q 0 0 0 rg BT 206.50 274.25 Td (interact ) Tj ET Q q 0 0 0 rg BT 238.80 274.25 Td (with ) Tj ET Q q 0 0 0 rg BT 258.91 274.25 Td (our ) Tj ET Q q 0 0 0 rg BT 274.56 274.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 319.65 274.25 Td (which ) Tj ET Q q 0 0 0 rg BT 346.42 274.25 Td (allows ) Tj ET Q q 0 0 0 rg BT 374.85 274.25 Td (us ) Tj ET Q q 0 0 0 rg BT 386.07 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 396.18 274.25 Td (develop ) Tj ET Q q 0 0 0 rg BT 430.16 274.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 471.92 274.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 510.90 274.25 Td (relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 262.25 Td (without ) Tj ET Q q 0 0 0 rg BT 119.06 262.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 159.32 262.25 Td (advertising.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 244.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 244.25 Td (Strategic ) Tj ET Q q 0 0 0 rg BT 124.15 244.25 Td (Acquisitions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.10 244.25 Td () Tj ET Q q 0 0 0 rg BT 183.42 244.25 Td (T) Tj ET Q q 0 0 0 rg BT 188.83 244.25 Td (o ) Tj ET Q q 0 0 0 rg BT 196.04 244.25 Td (complement ) Tj ET Q q 0 0 0 rg BT 247.68 244.25 Td (our ) Tj ET Q q 0 0 0 rg BT 263.22 244.25 Td (or) Tj ET Q q 0 0 0 rg BT 271.37 244.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 295.23 244.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 328.28 244.25 Td (we ) Tj ET Q q 0 0 0 rg BT 342.15 244.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 366.02 244.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.23 244.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 414.31 244.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 464.30 244.25 Td (in ) Tj ET Q q 0 0 0 rg BT 474.29 244.25 Td (or ) Tj ET Q q 0 0 0 rg BT 484.83 244.25 Td (around ) Tj ET Q q 0 0 0 rg BT 514.81 244.25 Td (our ) Tj ET Q q 0 0 0 rg BT 530.35 244.25 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 232.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 121.02 232.25 Td (that ) Tj ET Q q 0 0 0 rg BT 139.39 232.25 Td (further ) Tj ET Q q 0 0 0 rg BT 169.96 232.25 Td (our ) Tj ET Q q 0 0 0 rg BT 186.66 232.25 Td (objectives. ) Tj ET Q q 0 0 0 rg BT 232.83 232.25 Td (W) Tj ET Q q 0 0 0 rg BT 241.46 232.25 Td (e ) Tj ET Q q 0 0 0 rg BT 249.27 232.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 281.51 232.25 Td (there ) Tj ET Q q 0 0 0 rg BT 304.86 232.25 Td (are ) Tj ET Q q 0 0 0 rg BT 320.44 232.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 356.02 232.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 403.85 232.25 Td (that ) Tj ET Q q 0 0 0 rg BT 422.21 232.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 460.01 232.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.16 232.25 Td (face ) Tj ET Q q 0 0 0 rg BT 491.17 232.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 517.30 232.25 Td (challenges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 220.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 116.51 220.25 Td (constraints ) Tj ET Q q 0 0 0 rg BT 163.69 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 181.98 220.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 219.73 220.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 247.48 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.78 220.25 Td (that ) Tj ET Q q 0 0 0 rg BT 284.63 220.25 Td (lack ) Tj ET Q q 0 0 0 rg BT 305.14 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.22 220.25 Td (scale ) Tj ET Q q 0 0 0 rg BT 345.06 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 363.35 220.25 Td (management ) Tj ET Q q 0 0 0 rg BT 418.30 220.25 Td (expertise ) Tj ET Q q 0 0 0 rg BT 458.25 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 469.88 220.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 504.84 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.91 220.25 Td (increasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 208.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 129.56 208.25 Td (burden ) Tj ET Q q 0 0 0 rg BT 159.80 208.25 Td (and ) Tj ET Q q 0 0 0 rg BT 176.71 208.25 Td (will ) Tj ET Q q 0 0 0 rg BT 194.74 208.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 219.98 208.25 Td (need ) Tj ET Q q 0 0 0 rg BT 241.33 208.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.57 208.25 Td (partner ) Tj ET Q q 0 0 0 rg BT 282.36 208.25 Td (with ) Tj ET Q q 0 0 0 rg BT 302.61 208.25 Td (an ) Tj ET Q q 0 0 0 rg BT 314.52 208.25 Td (institution ) Tj ET Q q 0 0 0 rg BT 357.55 208.25 Td (like ) Tj ET Q q 0 0 0 rg BT 375.01 208.25 Td (ours. ) Tj ET Q q 0 0 0 rg BT 396.66 208.25 Td (As ) Tj ET Q q 0 0 0 rg BT 410.24 208.25 Td (we ) Tj ET Q q 0 0 0 rg BT 424.37 208.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 460.15 208.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 497.61 208.25 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 550.35 208.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 196.25 Td (will ) Tj ET Q q 0 0 0 rg BT 103.53 196.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 139.95 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 149.70 196.25 Td (seek ) Tj ET Q q 0 0 0 rg BT 169.45 196.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 219.20 196.25 Td (that ) Tj ET Q q 0 0 0 rg BT 236.17 196.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 268.70 196.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 316.21 196.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 353.17 196.25 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 389.31 196.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 430.72 196.25 Td (or) Tj ET Q q 0 0 0 rg BT 438.87 196.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 462.50 196.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 492.81 196.25 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 547.56 196.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 184.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 120.71 184.25 Td (reductions, ) Tj ET Q q 0 0 0 rg BT 167.36 184.25 Td (without ) Tj ET Q q 0 0 0 rg BT 200.42 184.25 Td (compromising ) Tj ET Q q 0 0 0 rg BT 260.69 184.25 Td (our ) Tj ET Q q 0 0 0 rg BT 276.52 184.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 294.02 184.25 Td (profile.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 166.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 166.25 Td (Utilization ) Tj ET Q q 0 0 0 rg BT 131.14 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.28 166.25 Td (Efficient ) Tj ET Q q 0 0 0 rg BT 177.52 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 194.88 166.25 Td (Scalable ) Tj ET Q q 0 0 0 rg BT 231.67 166.25 Td (Infrastructur) Tj ET Q q 0 0 0 rg BT 282.97 166.25 Td (e.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.91 166.25 Td () Tj ET Q q 0 0 0 rg BT 297.23 166.25 Td (W) Tj ET Q q 0 0 0 rg BT 305.87 166.25 Td (e ) Tj ET Q q 0 0 0 rg BT 312.66 166.25 Td (employ ) Tj ET Q q 0 0 0 rg BT 345.02 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 351.82 166.25 Td (systematic ) Tj ET Q q 0 0 0 rg BT 396.39 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 413.19 166.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 456.07 166.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 495.08 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 505.22 166.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 548.67 166.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 135.64 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.95 154.25 Td (improving ) Tj ET Q q 0 0 0 rg BT 195.48 154.25 Td (our ) Tj ET Q q 0 0 0 rg BT 210.68 154.25 Td (ef) Tj ET Q q 0 0 0 rg BT 218.27 154.25 Td (ficiencies. ) Tj ET Q q 0 0 0 rg BT 260.82 154.25 Td (W) Tj ET Q q 0 0 0 rg BT 269.45 154.25 Td (e ) Tj ET Q q 0 0 0 rg BT 275.76 154.25 Td (continually ) Tj ET Q q 0 0 0 rg BT 322.62 154.25 Td (upgrade ) Tj ET Q q 0 0 0 rg BT 356.70 154.25 Td (our ) Tj ET Q q 0 0 0 rg BT 371.90 154.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 411.53 154.25 Td (infrastructure, ) Tj ET Q q 0 0 0 rg BT 469.77 154.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 517.73 154.25 Td (in ) Tj ET Q q 0 0 0 rg BT 527.37 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 541.46 154.25 Td (areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 97.02 142.25 Td (technology) Tj ET Q q 0 0 0 rg BT 140.80 142.25 Td (, ) Tj ET Q q 0 0 0 rg BT 145.99 142.25 Td (data ) Tj ET Q q 0 0 0 rg BT 165.33 142.25 Td (processing, ) Tj ET Q q 0 0 0 rg BT 213.29 142.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 262.06 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 279.19 142.25 Td (personnel. ) Tj ET Q q 0 0 0 rg BT 323.06 142.25 Td (W) Tj ET Q q 0 0 0 rg BT 331.69 142.25 Td (e ) Tj ET Q q 0 0 0 rg BT 338.82 142.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 370.38 142.25 Td (that ) Tj ET Q q 0 0 0 rg BT 388.06 142.25 Td (our ) Tj ET Q q 0 0 0 rg BT 404.08 142.25 Td (scalable ) Tj ET Q q 0 0 0 rg BT 438.97 142.25 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 495.52 142.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 532.64 142.25 Td (us ) Tj ET Q q 0 0 0 rg BT 544.22 142.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 130.25 Td (an ) Tj ET Q q 0 0 0 rg BT 96.75 130.25 Td (ef) Tj ET Q q 0 0 0 rg BT 104.34 130.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 131.20 130.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 170.27 130.25 Td (platform ) Tj ET Q q 0 0 0 rg BT 206.02 130.25 Td (from ) Tj ET Q q 0 0 0 rg BT 226.77 130.25 Td (which ) Tj ET Q q 0 0 0 rg BT 252.52 130.25 Td (to ) Tj ET Q q 0 0 0 rg BT 261.62 130.25 Td (grow ) Tj ET Q q 0 0 0 rg BT 283.48 130.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.57 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.10 130.25 Td (near ) Tj ET Q q 0 0 0 rg BT 324.62 130.25 Td (term, ) Tj ET Q q 0 0 0 rg BT 346.76 130.25 Td (while ) Tj ET Q q 0 0 0 rg BT 370.29 130.25 Td (continuing ) Tj ET Q q 0 0 0 rg BT 414.38 130.25 Td (to ) Tj ET Q q 0 0 0 rg BT 423.47 130.25 Td (deliver ) Tj ET Q q 0 0 0 rg BT 452.55 130.25 Td (our ) Tj ET Q q 0 0 0 rg BT 467.19 130.25 Td (high-quality) Tj ET Q q 0 0 0 rg BT 515.42 130.25 Td (, ) Tj ET Q q 0 0 0 rg BT 519.24 130.25 Td (responsive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 125.16 118.25 Td (service, ) Tj ET Q q 0 0 0 rg BT 158.47 118.25 Td (which ) Tj ET Q q 0 0 0 rg BT 185.41 118.25 Td (will ) Tj ET Q q 0 0 0 rg BT 203.47 118.25 Td (enhance ) Tj ET Q q 0 0 0 rg BT 238.72 118.25 Td (our ) Tj ET Q q 0 0 0 rg BT 254.55 118.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 282.60 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 292.88 118.25 Td (grow ) Tj ET Q q 0 0 0 rg BT 315.93 118.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.87 118.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 368.12 118.25 Td (our ) Tj ET Q q 0 0 0 rg BT 383.95 118.25 Td (returns.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 100.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 100.25 Td (Disciplined ) Tj ET Q q 0 0 0 rg BT 134.03 100.25 Td (Focus ) Tj ET Q q 0 0 0 rg BT 160.39 100.25 Td (on ) Tj ET Q q 0 0 0 rg BT 172.31 100.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 191.45 100.25 Td (Management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.16 100.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 262.92 100.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 292.04 100.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 308.96 100.25 Td (management ) Tj ET Q q 0 0 0 rg BT 361.97 100.25 Td (is ) Tj ET Q q 0 0 0 rg BT 370.57 100.25 Td (a ) Tj ET Q q 0 0 0 rg BT 376.93 100.25 Td (key ) Tj ET Q q 0 0 0 rg BT 393.29 100.25 Td (component ) Tj ET Q q 0 0 0 rg BT 439.65 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 449.90 100.25 Td (our ) Tj ET Q q 0 0 0 rg BT 465.15 100.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 492.08 100.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 531.75 100.25 Td (culture. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 88.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 88.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.95 88.25 Td (use ) Tj ET Q q 0 0 0 rg BT 118.16 88.25 Td (our ) Tj ET Q q 0 0 0 rg BT 134.37 88.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 162.25 88.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 180.13 88.25 Td (management ) Tj ET Q q 0 0 0 rg BT 234.10 88.25 Td (process ) Tj ET Q q 0 0 0 rg BT 266.96 88.25 Td (to ) Tj ET Q q 0 0 0 rg BT 277.62 88.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 312.16 88.25 Td (our ) Tj ET Q q 0 0 0 rg BT 328.37 88.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 362.92 88.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 383.01 88.25 Td (and ) Tj ET Q q 0 0 0 rg BT 400.33 88.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 447.09 88.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 487.73 88.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 532.00 88.25 Td (support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 76.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 133.81 76.25 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 203.29 76.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.55 76.25 Td (improve ) Tj ET Q q 0 0 0 rg BT 256.70 76.25 Td (our ) Tj ET Q q 0 0 0 rg BT 272.86 76.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 301.24 76.25 Td (to ) Tj ET Q q 0 0 0 rg BT 311.84 76.25 Td (generate ) Tj ET Q q 0 0 0 rg BT 348.53 76.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 381.35 76.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 407.50 76.25 Td (with ) Tj ET Q q 0 0 0 rg BT 428.11 76.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 455.94 76.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 481.53 76.25 Td (quality) Tj ET Q q 0 0 0 rg BT 508.65 76.25 Td (. ) Tj ET Q q 0 0 0 rg BT 513.77 76.25 Td (T) Tj ET Q q 0 0 0 rg BT 519.18 76.25 Td (o ) Tj ET Q q 0 0 0 rg BT 527.01 76.25 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 64.25 Td (our ) Tj ET Q q 0 0 0 rg BT 100.87 64.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 127.40 64.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 151.70 64.25 Td (quality) Tj ET Q q 0 0 0 rg BT 178.82 64.25 Td (, ) Tj ET Q q 0 0 0 rg BT 182.86 64.25 Td (we ) Tj ET Q q 0 0 0 rg BT 196.06 64.25 Td (use ) Tj ET Q q 0 0 0 rg BT 210.92 64.25 Td (a ) Tj ET Q q 0 0 0 rg BT 216.90 64.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 278.96 64.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 332.15 64.25 Td (process ) Tj ET Q q 0 0 0 rg BT 363.68 64.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.65 64.25 Td (we ) Tj ET Q q 0 0 0 rg BT 392.85 64.25 Td (seek ) Tj ET Q q 0 0 0 rg BT 412.15 64.25 Td (to ) Tj ET Q q 0 0 0 rg BT 421.47 64.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 457.99 64.25 Td (a ) Tj ET Q q 0 0 0 rg BT 463.97 64.25 Td (diversified ) Tj ET Q q 0 0 0 rg BT 508.27 64.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.02 64.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 52.25 Td (and ) Tj ET Q q 0 0 0 rg BT 102.60 52.25 Td (a ) Tj ET Q q 0 0 0 rg BT 109.19 52.25 Td (conservative ) Tj ET Q q 0 0 0 rg BT 161.88 52.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 207.92 52.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 247.84 52.25 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 287.49 52.25 Td (Board-approved ) Tj ET Q q 0 0 0 rg BT 354.63 52.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 387.89 52.25 Td (contain ) Tj ET Q q 0 0 0 rg BT 419.48 52.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 456.62 52.25 Td (authorities, ) Tj ET Q q 0 0 0 rg BT 503.49 52.25 Td (as ) Tj ET Q q 0 0 0 rg BT 513.98 52.25 Td (appropriate, ) 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 (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.42 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 118.62 742.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 158.25 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 168.45 742.10 Td (least ) Tj ET Q q 0 0 0 rg BT 189.76 742.10 Td (annually) Tj ET Q q 0 0 0 rg BT 223.54 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 228.81 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 237.45 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 244.87 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 266.73 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.16 742.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 295.48 742.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 350.67 742.10 Td (Steering ) Tj ET Q q 0 0 0 rg BT 386.98 742.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 434.40 742.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 479.04 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.36 742.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 531.65 742.10 Td (of) Tj ET Q q 0 0 0 rg BT 539.80 742.10 Td (ficers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (who ) Tj ET Q q 0 0 0 rg BT 106.26 730.10 Td (oversee ) Tj ET Q q 0 0 0 rg BT 139.84 730.10 Td (new ) Tj ET Q q 0 0 0 rg BT 159.54 730.10 Td (business ) Tj ET Q q 0 0 0 rg BT 196.47 730.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 238.95 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.42 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 280.01 730.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 319.15 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 337.18 730.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 370.76 730.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 411.02 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.39 730.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 440.43 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.90 730.10 Td (related ) Tj ET Q q 0 0 0 rg BT 488.15 730.10 Td (mitigants. ) Tj ET Q q 0 0 0 rg BT 530.91 730.10 Td (Internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (review ) Tj ET Q q 0 0 0 rg BT 115.71 718.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 162.07 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 176.78 718.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 220.93 718.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 261.74 718.10 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 309.78 718.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 355.05 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.99 718.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 413.36 718.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 461.95 718.10 Td (requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 700.10 Td ( Competitive Str) Tj ET Q q 0 0 0 rg BT 137.95 700.10 Td (engths) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 682.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 682.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.10 682.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 116.01 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 133.03 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 146.72 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 160.95 682.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 202.96 682.10 Td (well-positioned ) Tj ET Q q 0 0 0 rg BT 267.20 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.01 682.10 Td (create ) Tj ET Q q 0 0 0 rg BT 302.90 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 326.59 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 340.28 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 355.63 682.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 408.20 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 418.56 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.03 682.10 Td (result ) Tj ET Q q 0 0 0 rg BT 449.27 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.63 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.88 682.10 Td (following ) Tj ET Q q 0 0 0 rg BT 514.79 682.10 Td (competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (strengths:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 652.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 652.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 105.39 652.10 Td (Market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.76 652.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 163.09 652.10 Td (current ) Tj ET Q q 0 0 0 rg BT 194.68 652.10 Td (market ) Tj ET Q q 0 0 0 rg BT 225.71 652.10 Td (is ) Tj ET Q q 0 0 0 rg BT 235.66 652.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 268.91 652.10 Td (as ) Tj ET Q q 0 0 0 rg BT 280.52 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.01 652.10 Td (New ) Tj ET Q q 0 0 0 rg BT 317.68 652.10 Td (Y) Tj ET Q q 0 0 0 rg BT 323.90 652.10 Td (ork ) Tj ET Q q 0 0 0 rg BT 340.50 652.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 394.87 652.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 417.29 652.10 Td (including ) Tj ET Q q 0 0 0 rg BT 458.34 652.10 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 496.04 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.75 652.10 Td (New ) Tj ET Q q 0 0 0 rg BT 535.91 652.10 Td (Haven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 640.10 Td (Counties, ) Tj ET Q q 0 0 0 rg BT 127.15 640.10 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 180.83 640.10 Td (The ) Tj ET Q q 0 0 0 rg BT 199.47 640.10 Td (Stamford ) Tj ET Q q 0 0 0 rg BT 239.78 640.10 Td (market ) Tj ET Q q 0 0 0 rg BT 270.63 640.10 Td (area ) Tj ET Q q 0 0 0 rg BT 290.37 640.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 326.78 640.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 369.31 640.10 Td (af) Tj ET Q q 0 0 0 rg BT 376.90 640.10 Td (fluent ) Tj ET Q q 0 0 0 rg BT 403.31 640.10 Td (suburban ) Tj ET Q q 0 0 0 rg BT 443.06 640.10 Td (communities ) Tj ET Q q 0 0 0 rg BT 497.81 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.23 640.10 Td (professionals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 628.10 Td (who ) Tj ET Q q 0 0 0 rg BT 106.18 628.10 Td (work ) Tj ET Q q 0 0 0 rg BT 129.68 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.08 628.10 Td (commute ) Tj ET Q q 0 0 0 rg BT 187.25 628.10 Td (into ) Tj ET Q q 0 0 0 rg BT 205.76 628.10 Td (New ) Tj ET Q q 0 0 0 rg BT 227.16 628.10 Td (Y) Tj ET Q q 0 0 0 rg BT 233.38 628.10 Td (ork ) Tj ET Q q 0 0 0 rg BT 249.66 628.10 Td (City) Tj ET Q q 0 0 0 rg BT 266.24 628.10 Td (, ) Tj ET Q q 0 0 0 rg BT 271.70 628.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 332.41 628.10 Td (50 ) Tj ET Q q 0 0 0 rg BT 345.37 628.10 Td (miles ) Tj ET Q q 0 0 0 rg BT 369.99 628.10 Td (from ) Tj ET Q q 0 0 0 rg BT 392.38 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 408.67 628.10 Td (headquarters, ) Tj ET Q q 0 0 0 rg BT 465.21 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 482.60 628.10 Td (many ) Tj ET Q q 0 0 0 rg BT 507.77 628.10 Td (small ) Tj ET Q q 0 0 0 rg BT 532.39 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.13 628.10 Td (mid-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 616.10 Td (sized ) Tj ET Q q 0 0 0 rg BT 109.53 616.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 154.73 616.10 Td (which ) Tj ET Q q 0 0 0 rg BT 182.15 616.10 Td (support ) Tj ET Q q 0 0 0 rg BT 215.13 616.10 Td (these ) Tj ET Q q 0 0 0 rg BT 238.65 616.10 Td (communities. ) Tj ET Q q 0 0 0 rg BT 295.79 616.10 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 333.21 616.10 Td (County ) Tj ET Q q 0 0 0 rg BT 365.64 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 375.29 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.48 616.10 Td (wealthiest ) Tj ET Q q 0 0 0 rg BT 434.00 616.10 Td (county ) Tj ET Q q 0 0 0 rg BT 464.20 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.96 616.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 526.26 616.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 616.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 604.10 Td (median ) Tj ET Q q 0 0 0 rg BT 117.57 604.10 Td (household ) Tj ET Q q 0 0 0 rg BT 160.81 604.10 Td (income ) Tj ET Q q 0 0 0 rg BT 192.37 604.10 Td (according ) Tj ET Q q 0 0 0 rg BT 233.93 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.84 604.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 283.19 604.10 Td (from ) Tj ET Q q 0 0 0 rg BT 304.76 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.11 604.10 Td (United ) Tj ET Q q 0 0 0 rg BT 348.46 604.10 Td (States ) Tj ET Q q 0 0 0 rg BT 374.48 604.10 Td (Census ) Tj ET Q q 0 0 0 rg BT 405.50 604.10 Td (Bureau. ) Tj ET Q q 0 0 0 rg BT 438.86 604.10 Td (W) Tj ET Q q 0 0 0 rg BT 447.49 604.10 Td (e ) Tj ET Q q 0 0 0 rg BT 454.07 604.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 485.07 604.10 Td (that ) Tj ET Q q 0 0 0 rg BT 502.20 604.10 Td (this ) Tj ET Q q 0 0 0 rg BT 518.78 604.10 Td (market ) Tj ET Q q 0 0 0 rg BT 548.68 604.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 592.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 127.37 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.31 592.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 194.02 592.10 Td (dynamics ) Tj ET Q q 0 0 0 rg BT 234.84 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 252.34 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 267.04 592.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 307.30 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.58 592.10 Td (executing ) Tj ET Q q 0 0 0 rg BT 358.95 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 374.78 592.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 405.61 592.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 436.62 592.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 574.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 574.10 Td (Experienced ) Tj ET Q q 0 0 0 rg BT 137.77 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.56 574.10 Td (Respected ) Tj ET Q q 0 0 0 rg BT 196.89 574.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 250.90 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 255.54 574.10 Td (eam ) Tj ET Q q 0 0 0 rg BT 274.00 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 293.02 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 299.82 574.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 309.45 574.10 Td (oven ) Tj ET Q q 0 0 0 rg BT 330.12 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.92 574.10 Td (Successful ) Tj ET Q q 0 0 0 rg BT 390.37 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 395.38 574.10 Td (rack ) Tj ET Q q 0 0 0 rg BT 414.95 574.10 Td (Recor) Tj ET Q q 0 0 0 rg BT 438.45 574.10 Td (d.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.95 574.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 470.80 574.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 510.91 574.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 562.10 Td (team ) Tj ET Q q 0 0 0 rg BT 107.78 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 116.80 562.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 160.80 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.47 562.10 Td (seasoned ) Tj ET Q q 0 0 0 rg BT 209.92 562.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 265.03 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 285.16 562.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 329.72 562.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 364.28 562.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 412.43 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 419.21 562.10 Td (history ) Tj ET Q q 0 0 0 rg BT 449.33 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.01 562.10 Td (high ) Tj ET Q q 0 0 0 rg BT 480.14 562.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 533.00 562.10 Td (at ) Tj ET Q q 0 0 0 rg BT 542.57 562.10 Td (local ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 123.25 550.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 169.96 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.67 550.10 Td (success ) Tj ET Q q 0 0 0 rg BT 218.92 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 228.97 550.10 Td (identifying, ) Tj ET Q q 0 0 0 rg BT 277.62 550.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 317.65 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.35 550.10 Td (integrating ) Tj ET Q q 0 0 0 rg BT 379.94 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 417.18 550.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 466.40 550.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 484.22 550.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 510.92 550.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 538.10 Td (team ) Tj ET Q q 0 0 0 rg BT 107.38 538.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 142.65 538.10 Td (Christopher ) Tj ET Q q 0 0 0 rg BT 191.81 538.10 Td (R. ) Tj ET Q q 0 0 0 rg BT 202.92 538.10 Td (Gruseke, ) Tj ET Q q 0 0 0 rg BT 240.68 538.10 Td (President ) Tj ET Q q 0 0 0 rg BT 279.84 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.22 538.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 320.38 538.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 362.31 538.10 Td (Of) Tj ET Q q 0 0 0 rg BT 372.68 538.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 392.94 538.10 Td (\(fouryears ) Tj ET Q q 0 0 0 rg BT 438.47 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 458.19 538.10 Td (us\), ) Tj ET Q q 0 0 0 rg BT 474.86 538.10 Td (Heidi ) Tj ET Q q 0 0 0 rg BT 499.02 538.10 Td (S. ) Tj ET Q q 0 0 0 rg BT 509.02 538.10 Td (DeW) Tj ET Q q 0 0 0 rg BT 529.52 538.10 Td (yngaert, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 526.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 127.74 526.10 Td (V) Tj ET Q q 0 0 0 rg BT 134.36 526.10 Td (ice ) Tj ET Q q 0 0 0 rg BT 147.91 526.10 Td (President, ) Tj ET Q q 0 0 0 rg BT 189.52 526.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 213.63 526.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 248.85 526.10 Td (Of) Tj ET Q q 0 0 0 rg BT 259.22 526.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 279.43 526.10 Td (\(fourteenyears ) Tj ET Q q 0 0 0 rg BT 341.57 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 361.24 526.10 Td (us\), ) Tj ET Q q 0 0 0 rg BT 377.86 526.10 Td (Penko ) Tj ET Q q 0 0 0 rg BT 404.75 526.10 Td (Ivanov) Tj ET Q q 0 0 0 rg BT 431.87 526.10 Td (, ) Tj ET Q q 0 0 0 rg BT 436.27 526.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 478.01 526.10 Td (V) Tj ET Q q 0 0 0 rg BT 484.63 526.10 Td (ice ) Tj ET Q q 0 0 0 rg BT 498.18 526.10 Td (President, ) Tj ET Q q 0 0 0 rg BT 539.79 526.10 Td (Chief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 514.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 127.02 514.10 Td (Of) Tj ET Q q 0 0 0 rg BT 137.39 514.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 159.51 514.10 Td (\(over ) Tj ET Q q 0 0 0 rg BT 184.42 514.10 Td (two ) Tj ET Q q 0 0 0 rg BT 203.22 514.10 Td (years ) Tj ET Q q 0 0 0 rg BT 228.13 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 249.71 514.10 Td (us\), ) Tj ET Q q 0 0 0 rg BT 268.24 514.10 Td (David ) Tj ET Q q 0 0 0 rg BT 296.49 514.10 Td (Dineen, ) Tj ET Q q 0 0 0 rg BT 331.67 514.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 375.18 514.10 Td (V) Tj ET Q q 0 0 0 rg BT 381.80 514.10 Td (icePresident, ) Tj ET Q q 0 0 0 rg BT 439.48 514.10 Td (Head ) Tj ET Q q 0 0 0 rg BT 464.39 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.52 514.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 528.11 514.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 502.10 Td (\(threeyears ) Tj ET Q q 0 0 0 rg BT 135.49 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 155.85 502.10 Td (us\), ) Tj ET Q q 0 0 0 rg BT 173.15 502.10 Td (Christine ) Tj ET Q q 0 0 0 rg BT 211.83 502.10 Td (A. ) Tj ET Q q 0 0 0 rg BT 224.13 502.10 Td (Chivily) Tj ET Q q 0 0 0 rg BT 253.48 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 258.56 502.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 300.94 502.10 Td (V) Tj ET Q q 0 0 0 rg BT 307.56 502.10 Td (ice ) Tj ET Q q 0 0 0 rg BT 321.79 502.10 Td (President, ) Tj ET Q q 0 0 0 rg BT 364.09 502.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 388.89 502.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 409.81 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.82 502.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 454.40 502.10 Td (Of) Tj ET Q q 0 0 0 rg BT 464.77 502.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 485.67 502.10 Td (\(six ) Tj ET Q q 0 0 0 rg BT 503.24 502.10 Td (years ) Tj ET Q q 0 0 0 rg BT 526.92 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 547.28 502.10 Td (us\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.94 490.10 Td (Laura ) Tj ET Q q 0 0 0 rg BT 128.57 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 137.21 490.10 Td (aitz, ) Tj ET Q q 0 0 0 rg BT 156.64 490.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 198.94 490.10 Td (V) Tj ET Q q 0 0 0 rg BT 205.57 490.10 Td (ice ) Tj ET Q q 0 0 0 rg BT 219.72 490.10 Td (President, ) Tj ET Q q 0 0 0 rg BT 261.94 490.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 286.65 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.48 490.10 Td (Staf) Tj ET Q q 0 0 0 rg BT 313.41 490.10 Td (f ) Tj ET Q q 0 0 0 rg BT 319.24 490.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 332.85 490.10 Td (her ) Tj ET Q q 0 0 0 rg BT 348.12 490.10 Td (second ) Tj ET Q q 0 0 0 rg BT 378.39 490.10 Td (year ) Tj ET Q q 0 0 0 rg BT 398.09 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 418.37 490.10 Td (us\).) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 472.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 472.10 Td (Dedicated ) Tj ET Q q 0 0 0 rg BT 129.45 472.10 Td (Boar) Tj ET Q q 0 0 0 rg BT 149.08 472.10 Td (d ) Tj ET Q q 0 0 0 rg BT 156.44 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.58 472.10 Td (Dir) Tj ET Q q 0 0 0 rg BT 180.10 472.10 Td (ectors ) Tj ET Q q 0 0 0 rg BT 206.90 472.10 Td (with ) Tj ET Q q 0 0 0 rg BT 226.49 472.10 Td (Str) Tj ET Q q 0 0 0 rg BT 237.79 472.10 Td (ong ) Tj ET Q q 0 0 0 rg BT 255.15 472.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 303.62 472.10 Td (Involvement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.98 472.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 380.39 472.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 407.19 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.88 472.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 457.45 472.10 Td (is ) Tj ET Q q 0 0 0 rg BT 466.48 472.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 510.50 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.19 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 527.99 472.10 Td (group ) Tj ET Q q 0 0 0 rg BT 553.68 472.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 460.10 Td (local ) Tj ET Q q 0 0 0 rg BT 107.78 460.10 Td (business ) Tj ET Q q 0 0 0 rg BT 144.02 460.10 Td (leaders ) Tj ET Q q 0 0 0 rg BT 174.68 460.10 Td (who ) Tj ET Q q 0 0 0 rg BT 194.25 460.10 Td (understand ) Tj ET Q q 0 0 0 rg BT 240.47 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.03 460.10 Td (need ) Tj ET Q q 0 0 0 rg BT 276.26 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 290.26 460.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 317.61 460.10 Td (community ) Tj ET Q q 0 0 0 rg BT 365.51 460.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 391.18 460.10 Td (that ) Tj ET Q q 0 0 0 rg BT 408.52 460.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 432.53 460.10 Td (on ) Tj ET Q q 0 0 0 rg BT 444.88 460.10 Td (serving ) Tj ET Q q 0 0 0 rg BT 476.66 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.22 460.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 528.55 460.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 553.67 460.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 448.10 Td (their ) Tj ET Q q 0 0 0 rg BT 106.28 448.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 151.14 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 168.65 448.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 203.93 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.22 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 229.50 448.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 269.77 448.10 Td (management ) Tj ET Q q 0 0 0 rg BT 322.82 448.10 Td (team ) Tj ET Q q 0 0 0 rg BT 344.21 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.60 448.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 397.55 448.10 Td (are ) Tj ET Q q 0 0 0 rg BT 411.71 448.10 Td (aligned ) Tj ET Q q 0 0 0 rg BT 443.10 448.10 Td (with ) Tj ET Q q 0 0 0 rg BT 462.84 448.10 Td (those ) Tj ET Q q 0 0 0 rg BT 485.90 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.19 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 511.48 448.10 Td (shareholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 436.10 Td (through ) Tj ET Q q 0 0 0 rg BT 118.65 436.10 Td (common ) Tj ET Q q 0 0 0 rg BT 155.19 436.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 177.85 436.10 Td (ownership. ) Tj ET Q q 0 0 0 rg BT 223.55 436.10 Td (By ) Tj ET Q q 0 0 0 rg BT 236.76 436.10 Td (capitalizing ) Tj ET Q q 0 0 0 rg BT 284.95 436.10 Td (on ) Tj ET Q q 0 0 0 rg BT 296.50 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.26 436.10 Td (close ) Tj ET Q q 0 0 0 rg BT 332.35 436.10 Td (community ) Tj ET Q q 0 0 0 rg BT 379.45 436.10 Td (ties ) Tj ET Q q 0 0 0 rg BT 394.88 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.86 436.10 Td (business ) Tj ET Q q 0 0 0 rg BT 446.30 436.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 498.95 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.82 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 523.69 436.10 Td (executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 424.10 Td (management ) Tj ET Q q 0 0 0 rg BT 139.17 424.10 Td (team ) Tj ET Q q 0 0 0 rg BT 160.68 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.19 424.10 Td (directors, ) Tj ET Q q 0 0 0 rg BT 216.76 424.10 Td (we ) Tj ET Q q 0 0 0 rg BT 230.49 424.10 Td (are ) Tj ET Q q 0 0 0 rg BT 244.78 424.10 Td (positioned ) Tj ET Q q 0 0 0 rg BT 288.52 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.38 424.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 334.89 424.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 361.96 424.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 404.57 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.98 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.27 424.10 Td (market ) Tj ET Q q 0 0 0 rg BT 459.12 424.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 507.86 424.10 Td (present ) Tj ET Q q 0 0 0 rg BT 538.81 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.67 424.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 412.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 120.16 412.10 Td (market.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 394.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 394.10 Td (Str) Tj ET Q q 0 0 0 rg BT 97.30 394.10 Td (ong ) Tj ET Q q 0 0 0 rg BT 115.38 394.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 148.46 394.10 Td (Position.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.29 394.10 Td () Tj ET Q q 0 0 0 rg BT 191.24 394.10 Td (At ) Tj ET Q q 0 0 0 rg BT 204.32 394.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 263.48 394.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 289.05 394.10 Td (we ) Tj ET Q q 0 0 0 rg BT 303.79 394.10 Td (had ) Tj ET Q q 0 0 0 rg BT 321.30 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 328.82 394.10 Td (9.16% ) Tj ET Q q 0 0 0 rg BT 357.72 394.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 393.01 394.10 Td (common ) Tj ET Q q 0 0 0 rg BT 431.08 394.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 459.15 394.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 483.06 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.57 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.86 394.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 540.05 394.10 Td (had ) Tj ET Q q 0 0 0 rg BT 557.56 394.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td (10.14% ) Tj ET Q q 0 0 0 rg BT 120.00 382.10 Td (tier ) Tj ET Q q 0 0 0 rg BT 136.50 382.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 144.67 382.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 181.70 382.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 203.20 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.81 382.10 Td (an ) Tj ET Q q 0 0 0 rg BT 233.42 382.10 Td (1) Tj ET Q q 0 0 0 rg BT 238.05 382.10 Td (1.56% ) Tj ET Q q 0 0 0 rg BT 267.05 382.10 Td (tier ) Tj ET Q q 0 0 0 rg BT 283.55 382.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 291.72 382.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 335.99 382.10 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 359.76 382.10 Td (W) Tj ET Q q 0 0 0 rg BT 368.39 382.10 Td (e ) Tj ET Q q 0 0 0 rg BT 376.00 382.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 408.05 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 426.21 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 442.71 382.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 471.44 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.39 382.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 510.54 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.15 382.10 Td (generate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 370.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 115.15 370.10 Td (has ) Tj ET Q q 0 0 0 rg BT 130.98 370.10 Td (facilitated ) Tj ET Q q 0 0 0 rg BT 173.46 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 189.29 370.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 220.12 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.05 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 246.22 370.10 Td (an ) Tj ET Q q 0 0 0 rg BT 258.16 370.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 291.21 370.10 Td (component ) Tj ET Q q 0 0 0 rg BT 338.14 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.42 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.13 370.10 Td (execution ) Tj ET Q q 0 0 0 rg BT 404.51 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.34 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 431.17 370.10 Td (business ) Tj ET Q q 0 0 0 rg BT 467.56 370.10 Td (plan.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 352.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.00 352.10 Td (Scalable ) Tj ET Q q 0 0 0 rg BT 122.88 352.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 166.44 352.10 Td (Platform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.50 352.10 Td () Tj ET Q q 0 0 0 rg BT 211.82 352.10 Td (W) Tj ET Q q 0 0 0 rg BT 220.46 352.10 Td (e ) Tj ET Q q 0 0 0 rg BT 227.35 352.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 260.35 352.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 295.01 352.10 Td (technology) Tj ET Q q 0 0 0 rg BT 338.80 352.10 Td (, ) Tj ET Q q 0 0 0 rg BT 343.75 352.10 Td (including ) Tj ET Q q 0 0 0 rg BT 383.97 352.10 Td (remote ) Tj ET Q q 0 0 0 rg BT 414.19 352.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 445.53 352.10 Td (capture, ) Tj ET Q q 0 0 0 rg BT 479.90 352.10 Td (internet ) Tj ET Q q 0 0 0 rg BT 512.89 352.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 547.56 352.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (mobile ) Tj ET Q q 0 0 0 rg BT 115.83 340.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 152.60 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.44 340.10 Td (of) Tj ET Q q 0 0 0 rg BT 170.58 340.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 183.74 340.10 Td (our ) Tj ET Q q 0 0 0 rg BT 199.13 340.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 241.73 340.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 284.33 340.10 Td (flexibility ) Tj ET Q q 0 0 0 rg BT 325.83 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.32 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.16 340.10 Td (create ) Tj ET Q q 0 0 0 rg BT 378.08 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 384.57 340.10 Td (scalable ) Tj ET Q q 0 0 0 rg BT 418.83 340.10 Td (platform ) Tj ET Q q 0 0 0 rg BT 455.32 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.15 340.10 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 522.73 340.10 Td (our ) Tj ET Q q 0 0 0 rg BT 538.12 340.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 328.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 117.08 328.10 Td (aspirations. ) Tj ET Q q 0 0 0 rg BT 165.46 328.10 Td (W) Tj ET Q q 0 0 0 rg BT 174.10 328.10 Td (e ) Tj ET Q q 0 0 0 rg BT 181.29 328.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 212.92 328.10 Td (that ) Tj ET Q q 0 0 0 rg BT 230.66 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 246.75 328.10 Td (advanced ) Tj ET Q q 0 0 0 rg BT 287.25 328.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 334.44 328.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 376.63 328.10 Td (with ) Tj ET Q q 0 0 0 rg BT 397.16 328.10 Td (responsive ) Tj ET Q q 0 0 0 rg BT 442.68 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.87 328.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 496.50 328.10 Td (service ) Tj ET Q q 0 0 0 rg BT 527.57 328.10 Td (provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 316.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.83 316.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 144.88 316.10 Td (with ) Tj ET Q q 0 0 0 rg BT 165.16 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 172.09 316.10 Td (superior ) Tj ET Q q 0 0 0 rg BT 207.36 316.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 242.08 316.10 Td (experience.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Employees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 280.10 Td (At ) Tj ET Q q 0 0 0 rg BT 81.93 280.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 139.93 280.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 164.36 280.10 Td (we ) Tj ET Q q 0 0 0 rg BT 177.95 280.10 Td (had ) Tj ET Q q 0 0 0 rg BT 194.31 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 200.67 280.10 Td (total ) Tj ET Q q 0 0 0 rg BT 220.37 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.63 280.10 Td (142 ) Tj ET Q q 0 0 0 rg BT 247.55 280.10 Td (full-time ) Tj ET Q q 0 0 0 rg BT 284.47 280.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 331.66 280.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 338.58 280.10 Td (part-time ) Tj ET Q q 0 0 0 rg BT 377.16 280.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 421.85 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.21 280.10 Td (no ) Tj ET Q q 0 0 0 rg BT 450.14 280.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 493.15 280.10 Td (employees. ) Tj ET Q q 0 0 0 rg BT 540.34 280.10 Td (None ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.66 268.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 121.92 268.10 Td (are ) Tj ET Q q 0 0 0 rg BT 136.63 268.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 167.46 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 177.73 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 184.67 268.10 Td (collective ) Tj ET Q q 0 0 0 rg BT 226.04 268.10 Td (bar) Tj ET Q q 0 0 0 rg BT 238.63 268.10 Td (gaining ) Tj ET Q q 0 0 0 rg BT 271.12 268.10 Td (agreement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 93.99 250.10 Td (W) Tj ET Q q 0 0 0 rg BT 103.44 250.10 Td (ebsite and ) Tj ET Q q 0 0 0 rg BT 148.45 250.10 Td (A) Tj ET Q q 0 0 0 rg BT 154.93 250.10 Td (vailability of Securities and Exchange Commission Filings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 232.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 119.14 232.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 158.83 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.42 232.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 212.69 232.10 Td (is ) Tj ET Q q 0 0 0 rg BT 220.73 232.10 Td (available ) Tj ET Q q 0 0 0 rg BT 258.20 232.10 Td (through ) Tj ET Q q 0 0 0 rg BT 290.68 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.27 232.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 338.42 232.10 Td (Relations ) Tj ET Q q 0 0 0 rg BT 377.57 232.10 Td (link ) Tj ET Q q 0 0 0 rg BT 394.50 232.10 Td (at ) Tj ET Q q 0 0 0 rg BT 403.09 232.10 Td (www) Tj ET Q q 0 0 0 rg BT 424.11 232.10 Td (.mybankwell.com. ) Tj ET Q q 0 0 0 rg BT 499.54 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 516.46 232.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 232.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 78.78 220.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 108.67 220.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.79 220.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 144.58 220.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 169.75 220.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 207.96 220.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 237.85 220.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.97 220.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 273.76 220.10 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 298.94 220.10 Td (current ) Tj ET Q q 0 0 0 rg BT 329.37 220.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 359.26 220.10 Td (on ) Tj ET Q q 0 0 0 rg BT 371.38 220.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 395.17 220.10 Td (8-K, ) Tj ET Q q 0 0 0 rg BT 415.34 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.90 220.10 Td (any ) Tj ET Q q 0 0 0 rg BT 448.46 220.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 501.13 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.02 220.10 Td (those ) Tj ET Q q 0 0 0 rg BT 534.25 220.10 Td (reports ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 70.94 208.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 107.99 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 118.38 208.10 Td (Section13\(a\) ) Tj ET Q q 0 0 0 rg BT 174.58 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.52 208.10 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 209.79 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.74 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.56 208.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 277.61 208.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 319.07 208.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 336.12 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.06 208.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 369.67 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 384.49 208.10 Td (available ) Tj ET Q q 0 0 0 rg BT 423.19 208.10 Td (free ) Tj ET Q q 0 0 0 rg BT 441.34 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.28 208.10 Td (char) Tj ET Q q 0 0 0 rg BT 469.30 208.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 481.35 208.10 Td (at ) Tj ET Q q 0 0 0 rg BT 491.18 208.10 Td (www) Tj ET Q q 0 0 0 rg BT 512.20 208.10 Td (.sec.gov ) Tj ET Q q 0 0 0 rg BT 547.58 208.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (at ) Tj ET Q q 0 0 0 rg BT 60.14 196.10 Td (www) Tj ET Q q 0 0 0 rg BT 81.16 196.10 Td (.mybankwell.com ) Tj ET Q q 0 0 0 rg BT 155.74 196.10 Td (under ) Tj ET Q q 0 0 0 rg BT 181.43 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.57 196.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 232.27 196.10 Td (Relations ) Tj ET Q q 0 0 0 rg BT 272.97 196.10 Td (link. ) Tj ET Q q 0 0 0 rg BT 293.95 196.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 344.64 196.10 Td (on ) Tj ET Q q 0 0 0 rg BT 357.57 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.71 196.10 Td (website ) Tj ET Q q 0 0 0 rg BT 406.18 196.10 Td (is ) Tj ET Q q 0 0 0 rg BT 415.78 196.10 Td (not ) Tj ET Q q 0 0 0 rg BT 431.48 196.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 484.94 196.10 Td (by ) Tj ET Q q 0 0 0 rg BT 497.87 196.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 537.98 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 555.34 196.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 72.22 184.10 Td (part ) Tj ET Q q 0 0 0 rg BT 90.26 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.09 184.10 Td (this ) Tj ET Q q 0 0 0 rg BT 118.04 184.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 147.20 184.10 Td (report ) Tj ET Q q 0 0 0 rg BT 173.57 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 186.07 184.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 210.24 184.10 Td (10-K.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Competition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 148.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.04 148.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 125.51 148.10 Td (services ) Tj ET Q q 0 0 0 rg BT 160.20 148.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 195.47 148.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.74 148.10 Td (our ) Tj ET Q q 0 0 0 rg BT 221.56 148.10 Td (market ) Tj ET Q q 0 0 0 rg BT 251.81 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 268.74 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.44 148.10 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 334.26 148.10 Td (area ) Tj ET Q q 0 0 0 rg BT 353.40 148.10 Td (is ) Tj ET Q q 0 0 0 rg BT 362.56 148.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 390.60 148.10 Td (competitive. ) Tj ET Q q 0 0 0 rg BT 442.62 148.10 Td (W) Tj ET Q q 0 0 0 rg BT 451.26 148.10 Td (e ) Tj ET Q q 0 0 0 rg BT 458.18 148.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 494.55 148.10 Td (with ) Tj ET Q q 0 0 0 rg BT 514.81 148.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 78.30 136.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 110.78 136.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 139.08 136.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 171.55 136.10 Td (associations, ) Tj ET Q q 0 0 0 rg BT 224.85 136.10 Td (money ) Tj ET Q q 0 0 0 rg BT 254.54 136.10 Td (market ) Tj ET Q q 0 0 0 rg BT 284.78 136.10 Td (funds, ) Tj ET Q q 0 0 0 rg BT 311.97 136.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 352.21 136.10 Td (brokers, ) Tj ET Q q 0 0 0 rg BT 387.17 136.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 419.07 136.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 466.81 136.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 492.04 136.10 Td (unions, ) Tj ET Q q 0 0 0 rg BT 523.69 136.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 97.13 124.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 142.87 124.10 Td (firms ) Tj ET Q q 0 0 0 rg BT 165.84 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.14 124.10 Td (private ) Tj ET Q q 0 0 0 rg BT 211.77 124.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 242.50 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 252.14 124.10 Td (various ) Tj ET Q q 0 0 0 rg BT 283.44 124.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 322.52 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.71 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 347.91 124.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 386.16 124.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 411.35 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.54 124.10 Td (these ) Tj ET Q q 0 0 0 rg BT 443.95 124.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 493.03 124.10 Td (have ) Tj ET Q q 0 0 0 rg BT 513.77 124.10 Td (more ) Tj ET Q q 0 0 0 rg BT 536.17 124.10 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.34 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 96.46 112.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 124.70 112.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 157.38 112.10 Td (limits, ) Tj ET Q q 0 0 0 rg BT 185.35 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.48 112.10 Td (more ) Tj ET Q q 0 0 0 rg BT 225.72 112.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 266.16 112.10 Td (than ) Tj ET Q q 0 0 0 rg BT 286.07 112.10 Td (we ) Tj ET Q q 0 0 0 rg BT 300.42 112.10 Td (do ) Tj ET Q q 0 0 0 rg BT 313.10 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.23 112.10 Td (may ) Tj ET Q q 0 0 0 rg BT 350.13 112.10 Td (be ) Tj ET Q q 0 0 0 rg BT 362.26 112.10 Td (able ) Tj ET Q q 0 0 0 rg BT 381.60 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.07 112.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 426.41 112.10 Td (more ) Tj ET Q q 0 0 0 rg BT 449.65 112.10 Td (intensive ) Tj ET Q q 0 0 0 rg BT 488.44 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 505.57 112.10 Td (broader) Tj ET Q q 0 0 0 rg BT 535.90 112.10 Td (-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (promotional ) Tj ET Q q 0 0 0 rg BT 101.23 100.10 Td (ef) Tj ET Q q 0 0 0 rg BT 108.82 100.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 129.50 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.63 100.10 Td (reach ) Tj ET Q q 0 0 0 rg BT 163.62 100.10 Td (both ) Tj ET Q q 0 0 0 rg BT 183.75 100.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 233.30 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.09 100.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 292.99 100.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 338.39 100.10 Td (Competition ) Tj ET Q q 0 0 0 rg BT 390.74 100.10 Td (for ) Tj ET Q q 0 0 0 rg BT 404.75 100.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 435.98 100.10 Td (products ) Tj ET Q q 0 0 0 rg BT 472.77 100.10 Td (can ) Tj ET Q q 0 0 0 rg BT 489.00 100.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 520.23 100.10 Td (heavily ) Tj ET Q q 0 0 0 rg BT 552.01 100.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 80.83 88.10 Td (because ) Tj ET Q q 0 0 0 rg BT 114.97 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.80 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.52 88.10 Td (ease ) Tj ET Q q 0 0 0 rg BT 160.22 88.10 Td (with ) Tj ET Q q 0 0 0 rg BT 180.50 88.10 Td (which ) Tj ET Q q 0 0 0 rg BT 207.44 88.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 250.49 88.10 Td (can ) Tj ET Q q 0 0 0 rg BT 266.87 88.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 299.90 88.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 335.18 88.10 Td (from ) Tj ET Q q 0 0 0 rg BT 357.12 88.10 Td (one ) Tj ET Q q 0 0 0 rg BT 374.06 88.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 417.12 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.40 88.10 Td (another) Tj ET Q q 0 0 0 rg BT 456.83 88.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 70.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 70.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.77 70.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 110.12 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 126.13 70.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 169.37 70.10 Td (ef) Tj ET Q q 0 0 0 rg BT 176.95 70.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 197.97 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 210.66 70.10 Td (small ) Tj ET Q q 0 0 0 rg BT 235.02 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.49 70.10 Td (medium-sized ) Tj ET Q q 0 0 0 rg BT 304.83 70.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 349.74 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.86 70.10 Td (professionals. ) Tj ET Q q 0 0 0 rg BT 424.63 70.10 Td (This ) Tj ET Q q 0 0 0 rg BT 445.10 70.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 469.44 70.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 505.46 70.10 Td (retail, ) Tj ET Q q 0 0 0 rg BT 531.19 70.10 Td (service, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 93.33 58.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 142.78 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.56 58.10 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 222.22 58.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 270.04 58.10 Td (W) Tj ET Q q 0 0 0 rg BT 278.68 58.10 Td (e ) Tj ET Q q 0 0 0 rg BT 286.46 58.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 314.78 58.10 Td (these ) Tj ET Q q 0 0 0 rg BT 338.67 58.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 382.56 58.10 Td (based ) Tj ET Q q 0 0 0 rg BT 408.67 58.10 Td (on ) Tj ET Q q 0 0 0 rg BT 422.01 58.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 476.46 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.24 58.10 Td (contacts ) Tj ET Q q 0 0 0 rg BT 530.34 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 548.68 58.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 103.59 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.41 46.10 Td (our ) Tj ET Q q 0 0 0 rg BT 134.13 46.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 159.95 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.67 46.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 208.26 46.10 Td (have ) Tj ET Q q 0 0 0 rg BT 228.52 46.10 Td (within ) Tj ET Q q 0 0 0 rg BT 255.47 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.29 46.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 302.11 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.72 46.10 Td (market ) Tj ET Q q 0 0 0 rg BT 344.87 46.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 365.30 46.10 Td (W) Tj ET Q q 0 0 0 rg BT 373.93 46.10 Td (e ) Tj ET Q q 0 0 0 rg BT 379.76 46.10 Td (do ) Tj ET Q q 0 0 0 rg BT 391.14 46.10 Td (not ) Tj ET Q q 0 0 0 rg BT 405.31 46.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 432.79 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.95 46.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 477.21 46.10 Td (with ) Tj ET Q q 0 0 0 rg BT 496.37 46.10 Td (lar) Tj ET Q q 0 0 0 rg BT 506.74 46.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 517.56 46.10 Td (institutions ) 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 (4) 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 64.15 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.85 742.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 112.99 742.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 147.70 742.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 201.29 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.10 742.10 Td (lar) Tj ET Q q 0 0 0 rg BT 222.47 742.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 234.40 742.10 Td (corporations. ) Tj ET Q q 0 0 0 rg BT 289.37 742.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 315.18 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.00 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 341.82 742.10 Td (lar) Tj ET Q q 0 0 0 rg BT 352.18 742.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 367.44 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 417.12 742.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 439.05 742.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 488.75 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 510.11 742.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 540.35 742.10 Td (name ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 97.81 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.51 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 122.66 730.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 136.02 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 165.48 730.10 Td (services ) Tj ET Q q 0 0 0 rg BT 199.95 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 217.21 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 231.14 730.10 Td (do ) Tj ET Q q 0 0 0 rg BT 243.40 730.10 Td (not; ) Tj ET Q q 0 0 0 rg BT 261.22 730.10 Td (however) Tj ET Q q 0 0 0 rg BT 295.25 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 300.01 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 313.93 730.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 345.07 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 362.33 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 377.92 730.10 Td (presence ) Tj ET Q q 0 0 0 rg BT 415.16 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 425.20 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.79 730.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 474.71 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 504.74 730.10 Td (area ) Tj ET Q q 0 0 0 rg BT 523.65 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.35 730.10 Td (focus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.51 718.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 103.90 718.10 Td (superior ) Tj ET Q q 0 0 0 rg BT 139.18 718.10 Td (service ) Tj ET Q q 0 0 0 rg BT 170.01 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.29 718.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 235.57 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 245.30 718.10 Td (small ) Tj ET Q q 0 0 0 rg BT 269.47 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.76 718.10 Td (medium ) Tj ET Q q 0 0 0 rg BT 315.04 718.10 Td (sized ) Tj ET Q q 0 0 0 rg BT 338.09 718.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 382.83 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.77 718.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 442.83 718.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 488.11 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.94 718.10 Td (such ) Tj ET Q q 0 0 0 rg BT 519.78 718.10 Td (businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 706.10 Td (instrumental ) Tj ET Q q 0 0 0 rg BT 117.20 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 127.48 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 143.31 706.10 Td (success.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 688.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 688.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.15 688.10 Td (emphasize ) Tj ET Q q 0 0 0 rg BT 129.43 688.10 Td (personalized ) Tj ET Q q 0 0 0 rg BT 182.04 688.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 216.34 688.10 Td (services ) Tj ET Q q 0 0 0 rg BT 250.62 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.14 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.43 688.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 324.04 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.45 688.10 Td (local ) Tj ET Q q 0 0 0 rg BT 355.96 688.10 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 424.69 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.55 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 449.95 688.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 484.25 688.10 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 531.05 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 547.56 688.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (emphasis ) Tj ET Q q 0 0 0 rg BT 89.30 676.10 Td (has ) Tj ET Q q 0 0 0 rg BT 104.71 676.10 Td (been ) Tj ET Q q 0 0 0 rg BT 125.67 676.10 Td (well ) Tj ET Q q 0 0 0 rg BT 144.97 676.10 Td (received ) Tj ET Q q 0 0 0 rg BT 180.91 676.10 Td (by ) Tj ET Q q 0 0 0 rg BT 192.99 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.29 676.10 Td (public ) Tj ET Q q 0 0 0 rg BT 234.37 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 244.23 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 259.64 676.10 Td (market ) Tj ET Q q 0 0 0 rg BT 289.48 676.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 310.56 676.10 Td (W) Tj ET Q q 0 0 0 rg BT 319.20 676.10 Td (e ) Tj ET Q q 0 0 0 rg BT 325.72 676.10 Td (derive ) Tj ET Q q 0 0 0 rg BT 352.78 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 359.30 676.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 395.27 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.68 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 421.09 676.10 Td (business ) Tj ET Q q 0 0 0 rg BT 457.06 676.10 Td (from ) Tj ET Q q 0 0 0 rg BT 478.58 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 494.00 676.10 Td (local ) Tj ET Q q 0 0 0 rg BT 515.51 676.10 Td (market ) Tj ET Q q 0 0 0 rg BT 545.36 676.10 Td (area ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (which ) Tj ET Q q 0 0 0 rg BT 78.35 664.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 115.59 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 132.83 664.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 168.40 664.10 Td (market ) Tj ET Q q 0 0 0 rg BT 200.08 664.10 Td (area ) Tj ET Q q 0 0 0 rg BT 220.63 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.88 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.01 664.10 Td (New ) Tj ET Q q 0 0 0 rg BT 271.22 664.10 Td (Y) Tj ET Q q 0 0 0 rg BT 277.44 664.10 Td (ork ) Tj ET Q q 0 0 0 rg BT 294.68 664.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 349.69 664.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 372.75 664.10 Td (including ) Tj ET Q q 0 0 0 rg BT 414.44 664.10 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 452.78 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.14 664.10 Td (New ) Tj ET Q q 0 0 0 rg BT 493.93 664.10 Td (Haven ) Tj ET Q q 0 0 0 rg BT 523.94 664.10 Td (Counties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (Connecticut.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 87.52 634.10 Td (Activities) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 616.10 Td (General.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.27 616.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 130.50 616.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 164.34 616.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 196.52 616.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 220.36 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 229.21 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 239.17 616.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 262.45 616.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 311.83 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.45 616.10 Td (middle-market ) Tj ET Q q 0 0 0 rg BT 389.50 616.10 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 436.40 616.10 Td (not-for) Tj ET Q q 0 0 0 rg BT 463.97 616.10 Td (-profit ) Tj ET Q q 0 0 0 rg BT 491.70 616.10 Td (or) Tj ET Q q 0 0 0 rg BT 499.85 616.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 547.57 616.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 94.20 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 113.42 604.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.29 604.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 148.49 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.25 604.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 194.67 604.10 Td (products ) Tj ET Q q 0 0 0 rg BT 230.54 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.41 604.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 282.55 604.10 Td (while ) Tj ET Q q 0 0 0 rg BT 306.21 604.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 355.41 604.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 381.84 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.72 604.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 443.03 604.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 467.23 604.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 499.77 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.64 604.10 Td (procedures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 592.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.36 592.10 Td (of) Tj ET Q q 0 0 0 rg BT 73.51 592.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 86.90 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.62 592.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 115.35 592.10 Td (array ) Tj ET Q q 0 0 0 rg BT 138.17 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.79 592.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 198.27 592.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 230.55 592.10 Td (products ) Tj ET Q q 0 0 0 rg BT 267.28 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.34 592.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 300.73 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.23 592.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 340.29 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.90 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 366.52 592.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 411.85 592.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 463.57 592.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 495.85 592.10 Td (products ) Tj ET Q q 0 0 0 rg BT 532.58 592.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (owner) Tj ET Q q 0 0 0 rg BT 74.79 580.10 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 116.63 580.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 166.25 580.10 Td (real ) Tj ET Q q 0 0 0 rg BT 183.65 580.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 208.84 580.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 234.87 580.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 284.48 580.10 Td (real ) Tj ET Q q 0 0 0 rg BT 301.89 580.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 327.07 580.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 373.37 580.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 399.40 580.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 449.02 580.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 472.54 580.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 496.62 580.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.37 580.10 Td (business ) Tj ET Q q 0 0 0 rg BT 543.68 580.10 Td (term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 75.47 568.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 119.55 568.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 159.17 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.47 568.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 196.22 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.42 568.10 Td (credit\) ) Tj ET Q q 0 0 0 rg BT 234.37 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.01 568.10 Td (small ) Tj ET Q q 0 0 0 rg BT 267.54 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.84 568.10 Td (medium ) Tj ET Q q 0 0 0 rg BT 318.48 568.10 Td (sized ) Tj ET Q q 0 0 0 rg BT 340.89 568.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 384.97 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.27 568.10 Td (real ) Tj ET Q q 0 0 0 rg BT 418.12 568.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 442.75 568.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 494.05 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.35 568.10 Td (development ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 76.72 556.10 Td (W) Tj ET Q q 0 0 0 rg BT 85.35 556.10 Td (e ) Tj ET Q q 0 0 0 rg BT 93.14 556.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 118.16 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 134.84 556.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 168.18 556.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 207.63 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 220.98 556.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 245.44 556.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.79 556.10 Td (we ) Tj ET Q q 0 0 0 rg BT 278.80 556.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 317.69 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.82 556.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 372.72 556.10 Td (located ) Tj ET Q q 0 0 0 rg BT 404.94 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.07 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 432.75 556.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 466.12 556.10 Td (W) Tj ET Q q 0 0 0 rg BT 474.76 556.10 Td (e ) Tj ET Q q 0 0 0 rg BT 482.55 556.10 Td (have ) Tj ET Q q 0 0 0 rg BT 504.78 556.10 Td (established ) Tj ET Q q 0 0 0 rg BT 552.56 556.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (informal, ) Tj ET Q q 0 0 0 rg BT 89.65 544.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 122.91 544.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 155.63 544.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 177.24 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.73 544.10 Td (one ) Tj ET Q q 0 0 0 rg BT 204.89 544.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 254.82 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.87 544.10 Td (up ) Tj ET Q q 0 0 0 rg BT 278.59 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.09 544.10 Td (40% ) Tj ET Q q 0 0 0 rg BT 310.14 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.18 544.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 369.45 544.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 398.81 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.97 544.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 459.22 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 473.60 544.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 493.54 544.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 522.65 544.10 Td (if ) Tj ET Q q 0 0 0 rg BT 531.47 544.10 Td (secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.37 532.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 111.94 532.10 Td (real ) Tj ET Q q 0 0 0 rg BT 129.30 532.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 156.41 532.10 Td (A) Tj ET Q q 0 0 0 rg BT 163.08 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.45 532.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 215.04 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.19 532.10 Td (this ) Tj ET Q q 0 0 0 rg BT 242.01 532.10 Td (instance ) Tj ET Q q 0 0 0 rg BT 277.14 532.10 Td (is ) Tj ET Q q 0 0 0 rg BT 286.19 532.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 318.54 532.10 Td (as ) Tj ET Q q 0 0 0 rg BT 329.24 532.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 352.73 532.10 Td (made ) Tj ET Q q 0 0 0 rg BT 376.75 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.90 532.10 Td (dif) Tj ET Q q 0 0 0 rg BT 397.83 532.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 423.52 532.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 454.77 532.10 Td (but ) Tj ET Q q 0 0 0 rg BT 469.92 532.10 Td (with ) Tj ET Q q 0 0 0 rg BT 490.07 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 496.88 532.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 525.35 532.10 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (principal\(s\). ) Tj ET Q q 0 0 0 rg BT 101.81 520.10 Td (For ) Tj ET Q q 0 0 0 rg BT 118.92 520.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 162.69 520.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 189.52 520.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 215.52 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 230.94 520.10 Td (set ) Tj ET Q q 0 0 0 rg BT 245.27 520.10 Td (so ) Tj ET Q q 0 0 0 rg BT 257.38 520.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.93 520.10 Td (not ) Tj ET Q q 0 0 0 rg BT 284.92 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.92 520.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 326.89 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.32 520.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 380.54 520.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 424.31 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.85 520.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 457.40 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.95 520.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 517.71 520.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 547.58 520.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 93.03 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 107.19 508.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 126.91 508.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 84.56 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 113.81 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 128.63 490.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 160.11 490.10 Td (products ) Tj ET Q q 0 0 0 rg BT 196.04 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.96 490.10 Td (services ) Tj ET Q q 0 0 0 rg BT 245.66 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.92 490.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 291.95 490.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 333.98 490.10 Td (through ) Tj ET Q q 0 0 0 rg BT 366.57 490.10 Td (conveniently ) Tj ET Q q 0 0 0 rg BT 419.71 490.10 Td (located ) Tj ET Q q 0 0 0 rg BT 450.07 490.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 483.77 490.10 Td (of) Tj ET Q q 0 0 0 rg BT 491.92 490.10 Td (fices, ) Tj ET Q q 0 0 0 rg BT 514.79 490.10 Td (relationship ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (networks ) Tj ET Q q 0 0 0 rg BT 90.11 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.00 478.10 Td (high ) Tj ET Q q 0 0 0 rg BT 129.23 478.10 Td (touch ) Tj ET Q q 0 0 0 rg BT 154.89 478.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 192.22 478.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 226.23 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 234.87 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 242.76 478.10 Td (tar) Tj ET Q q 0 0 0 rg BT 253.13 478.10 Td (get ) Tj ET Q q 0 0 0 rg BT 268.79 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.57 478.10 Td (business ) Tj ET Q q 0 0 0 rg BT 322.91 478.10 Td (development ) Tj ET Q q 0 0 0 rg BT 378.01 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.90 478.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 439.89 478.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 475.00 478.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 515.66 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 529.11 478.10 Td (small ) Tj ET Q q 0 0 0 rg BT 554.23 478.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (medium ) Tj ET Q q 0 0 0 rg BT 85.11 466.10 Td (sized ) Tj ET Q q 0 0 0 rg BT 107.99 466.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 155.04 466.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 172.93 466.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 222.47 466.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 263.12 466.10 Td (actively ) Tj ET Q q 0 0 0 rg BT 297.10 466.10 Td (solicit ) Tj ET Q q 0 0 0 rg BT 323.88 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.43 466.10 Td (business ) Tj ET Q q 0 0 0 rg BT 374.65 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.32 466.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 430.41 466.10 Td (entering ) Tj ET Q q 0 0 0 rg BT 465.51 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 481.17 466.10 Td (market ) Tj ET Q q 0 0 0 rg BT 511.27 466.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 534.14 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.80 466.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.16 454.10 Td (long-standing ) Tj ET Q q 0 0 0 rg BT 116.99 454.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 161.04 454.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 200.63 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.24 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.29 454.10 Td (communities ) Tj ET Q q 0 0 0 rg BT 277.78 454.10 Td (we ) Tj ET Q q 0 0 0 rg BT 291.27 454.10 Td (serve. ) Tj ET Q q 0 0 0 rg BT 316.57 454.10 Td (W) Tj ET Q q 0 0 0 rg BT 325.21 454.10 Td (e ) Tj ET Q q 0 0 0 rg BT 331.48 454.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 351.08 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.69 454.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 387.50 454.10 Td (new ) Tj ET Q q 0 0 0 rg BT 405.99 454.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 437.82 454.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 480.19 454.10 Td (through ) Tj ET Q q 0 0 0 rg BT 513.13 454.10 Td (professional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (service, ) Tj ET Q q 0 0 0 rg BT 84.38 442.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 135.17 442.10 Td (networks, ) Tj ET Q q 0 0 0 rg BT 177.90 442.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 228.67 442.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 260.57 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.57 442.10 Td (innovative ) Tj ET Q q 0 0 0 rg BT 324.36 442.10 Td (structure, ) Tj ET Q q 0 0 0 rg BT 365.41 442.10 Td (including ) Tj ET Q q 0 0 0 rg BT 406.75 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.54 442.10 Td (utilization ) Tj ET Q q 0 0 0 rg BT 466.66 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.55 442.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 509.88 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.89 442.10 Td (state ) Tj ET Q q 0 0 0 rg BT 549.78 442.10 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (incentives. ) Tj ET Q q 0 0 0 rg BT 95.90 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 104.53 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 112.05 430.10 Td (pride ) Tj ET Q q 0 0 0 rg BT 135.68 430.10 Td (ourselves ) Tj ET Q q 0 0 0 rg BT 176.52 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 189.60 430.10 Td (smart, ) Tj ET Q q 0 0 0 rg BT 217.39 430.10 Td (proficient ) Tj ET Q q 0 0 0 rg BT 259.34 430.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 314.08 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.59 430.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 360.22 430.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 396.62 430.10 Td (making ) Tj ET Q q 0 0 0 rg BT 429.70 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 444.44 430.10 Td (new ) Tj ET Q q 0 0 0 rg BT 464.17 430.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 484.47 430.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 520.31 430.10 Td (due ) Tj ET Q q 0 0 0 rg BT 537.83 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.69 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 564.52 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 418.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 85.76 418.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 123.38 418.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 161.00 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.08 418.10 Td (local ) Tj ET Q q 0 0 0 rg BT 200.14 418.10 Td (decision-making. ) Tj ET Q q 0 0 0 rg BT 271.74 418.10 Td (W) Tj ET Q q 0 0 0 rg BT 280.38 418.10 Td (e ) Tj ET Q q 0 0 0 rg BT 287.45 418.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 318.96 418.10 Td (this ) Tj ET Q q 0 0 0 rg BT 336.04 418.10 Td (gives ) Tj ET Q q 0 0 0 rg BT 359.78 418.10 Td (us ) Tj ET Q q 0 0 0 rg BT 371.31 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 378.38 418.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 428.22 418.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 471.39 418.10 Td (over ) Tj ET Q q 0 0 0 rg BT 491.79 418.10 Td (lar) Tj ET Q q 0 0 0 rg BT 502.16 418.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 517.56 418.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 82.20 406.10 Td (not ) Tj ET Q q 0 0 0 rg BT 97.48 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 108.31 406.10 Td (nimble.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 388.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 388.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 94.22 388.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.14 388.10 Td (before ) Tj ET Q q 0 0 0 rg BT 148.49 388.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 185.61 388.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.64 388.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 226.55 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.80 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.83 388.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 305.17 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 320.64 388.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 341.67 388.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 369.38 388.10 Td (were ) Tj ET Q q 0 0 0 rg BT 392.62 388.10 Td ($1.6billion ) Tj ET Q q 0 0 0 rg BT 442.54 388.10 Td (at ) Tj ET Q q 0 0 0 rg BT 453.57 388.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 513.47 388.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 539.78 388.10 Td (Since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.06 376.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 134.54 376.10 Td (total ) Tj ET Q q 0 0 0 rg BT 155.29 376.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 179.38 376.10 Td (have ) Tj ET Q q 0 0 0 rg BT 201.24 376.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 241.97 376.10 Td ($675.0million ) Tj ET Q q 0 0 0 rg BT 303.84 376.10 Td (from ) Tj ET Q q 0 0 0 rg BT 326.25 376.10 Td ($929.8million, ) Tj ET Q q 0 0 0 rg BT 390.63 376.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 431.91 376.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 459.89 376.10 Td (or) Tj ET Q q 0 0 0 rg BT 468.04 376.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 492.68 376.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 512.87 376.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 546.46 376.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (following ) Tj ET Q q 0 0 0 rg BT 91.39 364.10 Td (table ) Tj ET Q q 0 0 0 rg BT 113.32 364.10 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 163.58 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.30 364.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 230.24 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.07 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 256.90 364.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 276.62 364.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 314.12 364.10 Td (for ) Tj ET Q q 0 0 0 rg BT 328.28 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.99 364.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 366.04 364.10 Td (indicated.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 334.6 m 232.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 334.6 m 236.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 334.6 m 296.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 334.6 m 300.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 334.6 m 365.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 334.6 m 369.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 334.6 m 429.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 334.6 m 433.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 334.6 m 498.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 334.6 m 502.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 334.6 m 562.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 321.6 m 232.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 321.6 m 236.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 321.6 m 296.5 321.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 321.6 m 300.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 334.6 m 365.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 321.6 m 365.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 321.6 m 369.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 321.6 m 429.5 321.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 321.6 m 433.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 334.6 m 498.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 321.6 m 498.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 321.6 m 502.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 321.6 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 167.5 287.6 m 232.5 287.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 287.6 m 236.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 321.6 m 296.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 287.6 m 296.5 287.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 287.6 m 300.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 287.6 m 365.5 287.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 287.6 m 369.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 321.6 m 429.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 287.6 m 429.5 287.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 287.6 m 433.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 287.6 m 498.5 287.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 287.6 m 502.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 321.6 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 502.5 287.6 m 562.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 214.60000000000002 m 232.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 214.60000000000002 m 296.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 214.60000000000002 m 365.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 214.60000000000002 m 429.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 214.60000000000002 m 498.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 214.60000000000002 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 167.5 169.60000000000002 m 232.5 169.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 169.60000000000002 m 296.5 169.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 169.60000000000002 m 365.5 169.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 169.60000000000002 m 429.5 169.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 169.60000000000002 m 498.5 169.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 169.60000000000002 m 562.5 169.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 155.60000000000002 m 232.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 153.60000000000002 m 232.5 153.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 155.60000000000002 m 296.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 153.60000000000002 m 296.5 153.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 155.60000000000002 m 365.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 153.60000000000002 m 365.5 153.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 155.60000000000002 m 429.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 153.60000000000002 m 429.5 153.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 155.60000000000002 m 498.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 153.60000000000002 m 498.5 153.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 155.60000000000002 m 562.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 153.60000000000002 m 562.5 153.60000000000002 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.90 338.33 Td (At December) Tj ET Q q 0 0 0 rg BT 385.17 338.33 Td (31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 221.50 325.33 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.50 325.33 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.50 325.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.95 292.28 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.25 312.28 Td (Per) Tj ET Q q 0 0 0 rg BT 259.05 312.28 Td (cent of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.85 302.28 Td (Loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 247.10 292.28 Td (Portfolio) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.95 292.28 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.25 312.28 Td (Per) Tj ET Q q 0 0 0 rg BT 392.05 312.28 Td (cent of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.85 302.28 Td (Loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.10 292.28 Td (Portfolio) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.95 292.28 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.25 312.28 Td (Per) Tj ET Q q 0 0 0 rg BT 525.05 312.28 Td (cent of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.85 302.28 Td (Loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.10 292.28 Td (Portfolio) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 334.05 278.33 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 264.27 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 249.27 Td (Residential) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 249.17 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 249.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.15 249.27 Td (178,079) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 249.27 Td (1) Tj ET Q q 0 0 0 rg BT 270.15 249.27 Td (1.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 249.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.00 249.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 249.27 Td (193,524) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 249.27 Td (12.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 249.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.00 249.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 249.27 Td (195,729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 249.27 Td (14.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 249.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 234.27 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 234.17 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.65 234.27 Td (1,094,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 234.27 Td (68.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 234.27 Td (987,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 234.27 Td (63.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 234.27 Td (845,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 234.27 Td (61.89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 219.27 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.50 219.17 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.15 219.27 Td (73,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.15 219.27 Td (4.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 219.27 Td (101,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 219.27 Td (6.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 219.27 Td (107,441) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 219.27 Td (7.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.65 204.27 Td (1,345,336) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 204.27 Td (83.84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 204.27 Td (1,282,402) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 204.27 Td (83.1) Tj ET Q q 0 0 0 rg BT 415.65 204.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.65 204.27 Td (1,148,492) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 204.27 Td (84.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 189.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 189.17 Td (..........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.15 189.27 Td (258,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 189.27 Td (16.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 189.27 Td (259,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 189.27 Td (16.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 189.27 Td (215,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 189.27 Td (15.81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 174.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.50 174.17 Td (...........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.65 174.27 Td (412) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.15 174.27 Td (0.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 174.27 Td (619) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 174.27 Td (0.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 174.27 Td (1,533) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 174.27 Td (0.1) Tj ET Q q 0 0 0 rg BT 548.65 174.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 159.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 159.27 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.50 159.17 Td (...................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 159.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.65 159.27 Td (1,604,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.15 159.27 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 159.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.00 159.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 159.27 Td (1,543,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 159.27 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 159.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.00 159.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.65 159.27 Td (1,365,939) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 159.27 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 159.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET 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 (5) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 735.5 m 364.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 735.5 m 368.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 735.5 m 428.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 735.5 m 432.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 735.5 m 497.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 735.5 m 501.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 735.5 m 561.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 735.5 m 364.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 722.5 m 364.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 722.5 m 368.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 722.5 m 428.5 722.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 722.5 m 432.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 735.5 m 497.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 722.5 m 497.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 722.5 m 501.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 722.5 m 561.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 688.5 m 364.5 688.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 688.5 m 368.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 722.5 m 428.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 688.5 m 428.5 688.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 688.5 m 432.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 688.5 m 497.5 688.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 688.5 m 501.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 722.5 m 561.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 688.5 m 561.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 615.5 m 364.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 615.5 m 428.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 615.5 m 497.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 615.5 m 561.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 570.5 m 364.5 570.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 570.5 m 428.5 570.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 570.5 m 497.5 570.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 570.5 m 561.5 570.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 556.5 m 364.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 554.5 m 364.5 554.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 556.5 m 428.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 554.5 m 428.5 554.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 556.5 m 497.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 554.5 m 497.5 554.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 556.5 m 561.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 554.5 m 561.5 554.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.90 739.23 Td (At December) Tj ET Q q 0 0 0 rg BT 451.17 739.23 Td ( 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.00 726.23 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.50 726.23 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.45 693.18 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.25 713.18 Td (Per) Tj ET Q q 0 0 0 rg BT 391.05 713.18 Td (cent of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.85 703.18 Td (Loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.10 693.18 Td (Portfolio) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.95 693.18 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.25 713.18 Td (Per) Tj ET Q q 0 0 0 rg BT 524.05 713.18 Td (cent of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.85 703.18 Td (Loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.10 693.18 Td (Portfolio) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 400.05 679.23 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 665.17 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 650.17 Td (Residential) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.50 650.07 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.00 650.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.15 650.17 Td (193,1) Tj ET Q q 0 0 0 rg BT 350.65 650.17 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 650.17 Td (16.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.65 650.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.00 650.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 650.17 Td (193,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 650.17 Td (20.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 650.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 635.17 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.50 635.07 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.15 635.17 Td (697,542) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 635.17 Td (60.79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 635.17 Td (521,181) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 635.17 Td (56.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 620.17 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.00 620.07 Td (..........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 620.17 Td (82,273) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 620.17 Td (7.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 620.17 Td (63,229) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 620.17 Td (6.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.15 605.17 Td (972,925) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 605.17 Td (84.79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 605.17 Td (777,607) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 605.17 Td (83.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 590.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 590.07 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.15 590.17 Td (172,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 590.17 Td (15.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 590.17 Td (149,259) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 590.17 Td (16.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 575.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 575.07 Td (.................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 575.17 Td (1,735) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 575.17 Td (0.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 575.17 Td (2,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 575.17 Td (0.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 560.17 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 560.17 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.50 560.07 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.00 560.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.65 560.17 Td (1,147,513) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 560.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.65 560.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.00 560.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 560.17 Td (929,762) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 560.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 560.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 532.00 Td (Commer) Tj ET Q q 0 0 0 rg BT 104.07 532.00 Td (cial ) Tj ET Q q 0 0 0 rg BT 122.13 532.00 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.30 532.00 Td () Tj ET Q q 0 0 0 rg BT 153.62 532.00 Td (W) Tj ET Q q 0 0 0 rg BT 162.25 532.00 Td (e ) Tj ET Q q 0 0 0 rg BT 169.75 532.00 Td (of) Tj ET Q q 0 0 0 rg BT 177.90 532.00 Td (fer ) Tj ET Q q 0 0 0 rg BT 192.06 532.00 Td (a ) Tj ET Q q 0 0 0 rg BT 199.56 532.00 Td (wide ) Tj ET Q q 0 0 0 rg BT 222.05 532.00 Td (range ) Tj ET Q q 0 0 0 rg BT 247.32 532.00 Td (of ) Tj ET Q q 0 0 0 rg BT 258.71 532.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 308.96 532.00 Td (loans, ) Tj ET Q q 0 0 0 rg BT 335.63 532.00 Td (including ) Tj ET Q q 0 0 0 rg BT 376.46 532.00 Td (business ) Tj ET Q q 0 0 0 rg BT 413.42 532.00 Td (term ) Tj ET Q q 0 0 0 rg BT 434.80 532.00 Td (loans, ) Tj ET Q q 0 0 0 rg BT 461.47 532.00 Td (equipment ) Tj ET Q q 0 0 0 rg BT 506.74 532.00 Td (financing ) Tj ET Q q 0 0 0 rg BT 547.56 532.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.00 Td (lines ) Tj ET Q q 0 0 0 rg BT 73.21 520.00 Td (of ) Tj ET Q q 0 0 0 rg BT 85.85 520.00 Td (credit. ) Tj ET Q q 0 0 0 rg BT 115.44 520.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 135.31 520.00 Td (tar) Tj ET Q q 0 0 0 rg BT 145.67 520.00 Td (get ) Tj ET Q q 0 0 0 rg BT 162.21 520.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 213.73 520.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 235.26 520.00 Td (market ) Tj ET Q q 0 0 0 rg BT 267.34 520.00 Td (is ) Tj ET Q q 0 0 0 rg BT 278.33 520.00 Td (small ) Tj ET Q q 0 0 0 rg BT 304.32 520.00 Td (to ) Tj ET Q q 0 0 0 rg BT 316.41 520.00 Td (medium ) Tj ET Q q 0 0 0 rg BT 353.51 520.00 Td (sized ) Tj ET Q q 0 0 0 rg BT 378.37 520.00 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 427.41 520.00 Td (including ) Tj ET Q q 0 0 0 rg BT 469.50 520.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 494.37 520.00 Td (and ) Tj ET Q q 0 0 0 rg BT 513.12 520.00 Td (professional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.00 Td (establishments. ) Tj ET Q q 0 0 0 rg BT 113.95 508.00 Td (The ) Tj ET Q q 0 0 0 rg BT 132.26 508.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 157.24 508.00 Td (of ) Tj ET Q q 0 0 0 rg BT 168.34 508.00 Td (these ) Tj ET Q q 0 0 0 rg BT 191.65 508.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 215.52 508.00 Td (vary ) Tj ET Q q 0 0 0 rg BT 236.06 508.00 Td (by ) Tj ET Q q 0 0 0 rg BT 248.82 508.00 Td (purpose ) Tj ET Q q 0 0 0 rg BT 283.25 508.00 Td (and ) Tj ET Q q 0 0 0 rg BT 300.45 508.00 Td (by ) Tj ET Q q 0 0 0 rg BT 313.21 508.00 Td (type ) Tj ET Q q 0 0 0 rg BT 333.20 508.00 Td (of ) Tj ET Q q 0 0 0 rg BT 344.29 508.00 Td (underlying ) Tj ET Q q 0 0 0 rg BT 390.38 508.00 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 432.64 508.00 Td (The ) Tj ET Q q 0 0 0 rg BT 450.96 508.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 500.92 508.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 524.79 508.00 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.00 Td (are ) Tj ET Q q 0 0 0 rg BT 63.52 496.00 Td (underwritten ) Tj ET Q q 0 0 0 rg BT 115.92 496.00 Td (on ) Tj ET Q q 0 0 0 rg BT 127.23 496.00 Td (the ) Tj ET Q q 0 0 0 rg BT 140.76 496.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 162.07 496.00 Td (of ) Tj ET Q q 0 0 0 rg BT 171.71 496.00 Td (the ) Tj ET Q q 0 0 0 rg BT 185.23 496.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 222.26 496.00 Td () Tj ET Q q 0 0 0 rg BT 225.03 496.00 Td (s ) Tj ET Q q 0 0 0 rg BT 230.24 496.00 Td (ability ) Tj ET Q q 0 0 0 rg BT 257.10 496.00 Td (to ) Tj ET Q q 0 0 0 rg BT 266.19 496.00 Td (service ) Tj ET Q q 0 0 0 rg BT 295.81 496.00 Td (the ) Tj ET Q q 0 0 0 rg BT 309.34 496.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 327.87 496.00 Td (from ) Tj ET Q q 0 0 0 rg BT 348.61 496.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 367.69 496.00 Td (flow) Tj ET Q q 0 0 0 rg BT 385.37 496.00 Td (. ) Tj ET Q q 0 0 0 rg BT 389.09 496.00 Td (W) Tj ET Q q 0 0 0 rg BT 397.73 496.00 Td (e ) Tj ET Q q 0 0 0 rg BT 403.48 496.00 Td (make ) Tj ET Q q 0 0 0 rg BT 426.44 496.00 Td (equipment ) Tj ET Q q 0 0 0 rg BT 469.96 496.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 492.38 496.00 Td (with ) Tj ET Q q 0 0 0 rg BT 511.47 496.00 Td (conservative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.00 Td (mar) Tj ET Q q 0 0 0 rg BT 65.37 484.00 Td (gins ) Tj ET Q q 0 0 0 rg BT 84.38 484.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 123.94 484.00 Td (for ) Tj ET Q q 0 0 0 rg BT 137.94 484.00 Td (a ) Tj ET Q q 0 0 0 rg BT 144.73 484.00 Td (term ) Tj ET Q q 0 0 0 rg BT 165.41 484.00 Td (of ) Tj ET Q q 0 0 0 rg BT 176.08 484.00 Td (tenyears ) Tj ET Q q 0 0 0 rg BT 214.25 484.00 Td (or ) Tj ET Q q 0 0 0 rg BT 224.93 484.00 Td (less, ) Tj ET Q q 0 0 0 rg BT 244.78 484.00 Td (supported ) Tj ET Q q 0 0 0 rg BT 286.56 484.00 Td (by ) Tj ET Q q 0 0 0 rg BT 298.91 484.00 Td (the ) Tj ET Q q 0 0 0 rg BT 313.48 484.00 Td (useful ) Tj ET Q q 0 0 0 rg BT 340.26 484.00 Td (life ) Tj ET Q q 0 0 0 rg BT 355.94 484.00 Td (of ) Tj ET Q q 0 0 0 rg BT 366.62 484.00 Td (the ) Tj ET Q q 0 0 0 rg BT 381.18 484.00 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 428.24 484.00 Td (at ) Tj ET Q q 0 0 0 rg BT 437.81 484.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 460.70 484.00 Td (or ) Tj ET Q q 0 0 0 rg BT 471.38 484.00 Td (variable ) Tj ET Q q 0 0 0 rg BT 505.93 484.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 529.66 484.00 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 484.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.90 472.00 Td (fully ) Tj ET Q q 0 0 0 rg BT 91.46 472.00 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 137.47 472.00 Td (over ) Tj ET Q q 0 0 0 rg BT 157.92 472.00 Td (the ) Tj ET Q q 0 0 0 rg BT 172.81 472.00 Td (term. ) Tj ET Q q 0 0 0 rg BT 196.32 472.00 Td (Loans ) Tj ET Q q 0 0 0 rg BT 223.44 472.00 Td (to ) Tj ET Q q 0 0 0 rg BT 233.90 472.00 Td (support ) Tj ET Q q 0 0 0 rg BT 266.58 472.00 Td (working ) Tj ET Q q 0 0 0 rg BT 302.59 472.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 331.92 472.00 Td (typically ) Tj ET Q q 0 0 0 rg BT 369.59 472.00 Td (have ) Tj ET Q q 0 0 0 rg BT 391.15 472.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 416.04 472.00 Td (not ) Tj ET Q q 0 0 0 rg BT 431.50 472.00 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 474.72 472.00 Td (twoyears ) Tj ET Q q 0 0 0 rg BT 516.00 472.00 Td (and ) Tj ET Q q 0 0 0 rg BT 533.12 472.00 Td (usually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.00 Td (are ) Tj ET Q q 0 0 0 rg BT 65.38 460.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 99.08 460.00 Td (by ) Tj ET Q q 0 0 0 rg BT 112.26 460.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 150.41 460.00 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 197.16 460.00 Td (inventory ) Tj ET Q q 0 0 0 rg BT 238.66 460.00 Td (and/or ) Tj ET Q q 0 0 0 rg BT 267.37 460.00 Td (personal ) Tj ET Q q 0 0 0 rg BT 304.42 460.00 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 350.35 460.00 Td (of ) Tj ET Q q 0 0 0 rg BT 361.85 460.00 Td (the ) Tj ET Q q 0 0 0 rg BT 377.23 460.00 Td (principals ) Tj ET Q q 0 0 0 rg BT 419.84 460.00 Td (of ) Tj ET Q q 0 0 0 rg BT 431.34 460.00 Td (the ) Tj ET Q q 0 0 0 rg BT 446.72 460.00 Td (business ) Tj ET Q q 0 0 0 rg BT 483.79 460.00 Td (and ) Tj ET Q q 0 0 0 rg BT 501.40 460.00 Td (at ) Tj ET Q q 0 0 0 rg BT 511.78 460.00 Td (times ) Tj ET Q q 0 0 0 rg BT 536.62 460.00 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 460.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.57 448.00 Td (real ) Tj ET Q q 0 0 0 rg BT 116.93 448.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 142.06 448.00 Td (of ) Tj ET Q q 0 0 0 rg BT 152.76 448.00 Td (the ) Tj ET Q q 0 0 0 rg BT 167.35 448.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 203.45 448.00 Td (. ) Tj ET Q q 0 0 0 rg BT 208.32 448.00 Td (For ) Tj ET Q q 0 0 0 rg BT 224.59 448.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 248.07 448.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 280.98 448.00 Td (by ) Tj ET Q q 0 0 0 rg BT 293.35 448.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 330.71 448.00 Td (receivable ) Tj ET Q q 0 0 0 rg BT 374.16 448.00 Td (or ) Tj ET Q q 0 0 0 rg BT 384.86 448.00 Td (inventory) Tj ET Q q 0 0 0 rg BT 422.54 448.00 Td (, ) Tj ET Q q 0 0 0 rg BT 427.41 448.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 465.32 448.00 Td (typically ) Tj ET Q q 0 0 0 rg BT 502.68 448.00 Td (is ) Tj ET Q q 0 0 0 rg BT 511.73 448.00 Td (repaid ) Tj ET Q q 0 0 0 rg BT 539.08 448.00 Td (as ) Tj ET Q q 0 0 0 rg BT 549.79 448.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.71 436.00 Td (securing ) Tj ET Q q 0 0 0 rg BT 111.97 436.00 Td (the ) Tj ET Q q 0 0 0 rg BT 126.56 436.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 146.16 436.00 Td (are ) Tj ET Q q 0 0 0 rg BT 160.74 436.00 Td (converted ) Tj ET Q q 0 0 0 rg BT 202.55 436.00 Td (into ) Tj ET Q q 0 0 0 rg BT 220.48 436.00 Td (cash, ) Tj ET Q q 0 0 0 rg BT 243.13 436.00 Td (and ) Tj ET Q q 0 0 0 rg BT 259.95 436.00 Td (for ) Tj ET Q q 0 0 0 rg BT 273.99 436.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 297.48 436.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 330.39 436.00 Td (with ) Tj ET Q q 0 0 0 rg BT 350.55 436.00 Td (other ) Tj ET Q q 0 0 0 rg BT 373.48 436.00 Td (types ) Tj ET Q q 0 0 0 rg BT 396.97 436.00 Td (of ) Tj ET Q q 0 0 0 rg BT 407.67 436.00 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 449.75 436.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 487.67 436.00 Td (is ) Tj ET Q q 0 0 0 rg BT 496.72 436.00 Td (fully ) Tj ET Q q 0 0 0 rg BT 517.99 436.00 Td (or ) Tj ET Q q 0 0 0 rg BT 528.70 436.00 Td (partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.00 Td (amortized ) Tj ET Q q 0 0 0 rg BT 92.36 424.00 Td (during ) Tj ET Q q 0 0 0 rg BT 120.85 424.00 Td (the ) Tj ET Q q 0 0 0 rg BT 135.45 424.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 155.05 424.00 Td (term ) Tj ET Q q 0 0 0 rg BT 175.76 424.00 Td (with ) Tj ET Q q 0 0 0 rg BT 195.92 424.00 Td (any ) Tj ET Q q 0 0 0 rg BT 212.74 424.00 Td (balloon ) Tj ET Q q 0 0 0 rg BT 245.12 424.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 277.50 424.00 Td (due ) Tj ET Q q 0 0 0 rg BT 294.32 424.00 Td (at ) Tj ET Q q 0 0 0 rg BT 303.92 424.00 Td (maturity) Tj ET Q q 0 0 0 rg BT 337.15 424.00 Td (. ) Tj ET Q q 0 0 0 rg BT 341.86 424.00 Td (The ) Tj ET Q q 0 0 0 rg BT 359.79 424.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 389.95 424.00 Td (of ) Tj ET Q q 0 0 0 rg BT 400.66 424.00 Td (the ) Tj ET Q q 0 0 0 rg BT 415.26 424.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 464.84 424.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 501.86 424.00 Td () Tj ET Q q 0 0 0 rg BT 504.64 424.00 Td (s ) Tj ET Q q 0 0 0 rg BT 510.92 424.00 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.00 Td (and ) Tj ET Q q 0 0 0 rg BT 67.11 412.00 Td (its ) Tj ET Q q 0 0 0 rg BT 79.22 412.00 Td (ability ) Tj ET Q q 0 0 0 rg BT 107.44 412.00 Td (both ) Tj ET Q q 0 0 0 rg BT 127.89 412.00 Td (to ) Tj ET Q q 0 0 0 rg BT 138.33 412.00 Td (properly ) Tj ET Q q 0 0 0 rg BT 174.88 412.00 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 210.85 412.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 245.73 412.00 Td (in ) Tj ET Q q 0 0 0 rg BT 256.18 412.00 Td (the ) Tj ET Q q 0 0 0 rg BT 271.06 412.00 Td (supply ) Tj ET Q q 0 0 0 rg BT 300.40 412.00 Td (and ) Tj ET Q q 0 0 0 rg BT 317.50 412.00 Td (demand ) Tj ET Q q 0 0 0 rg BT 351.83 412.00 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 411.68 412.00 Td (af) Tj ET Q q 0 0 0 rg BT 419.27 412.00 Td (fecting ) Tj ET Q q 0 0 0 rg BT 449.70 412.00 Td (its ) Tj ET Q q 0 0 0 rg BT 461.82 412.00 Td (markets ) Tj ET Q q 0 0 0 rg BT 496.14 412.00 Td (for ) Tj ET Q q 0 0 0 rg BT 510.47 412.00 Td (products ) Tj ET Q q 0 0 0 rg BT 547.57 412.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.00 Td (services ) Tj ET Q q 0 0 0 rg BT 85.30 400.00 Td (and ) Tj ET Q q 0 0 0 rg BT 102.83 400.00 Td (to ) Tj ET Q q 0 0 0 rg BT 113.70 400.00 Td (ef) Tj ET Q q 0 0 0 rg BT 121.29 400.00 Td (fectively ) Tj ET Q q 0 0 0 rg BT 159.36 400.00 Td (respond ) Tj ET Q q 0 0 0 rg BT 194.11 400.00 Td (to ) Tj ET Q q 0 0 0 rg BT 204.98 400.00 Td (such ) Tj ET Q q 0 0 0 rg BT 226.41 400.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 261.71 400.00 Td (are ) Tj ET Q q 0 0 0 rg BT 277.01 400.00 Td (significant ) Tj ET Q q 0 0 0 rg BT 322.31 400.00 Td (factors ) Tj ET Q q 0 0 0 rg BT 352.61 400.00 Td (in ) Tj ET Q q 0 0 0 rg BT 363.48 400.00 Td (a ) Tj ET Q q 0 0 0 rg BT 371.01 400.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 421.30 400.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 458.32 400.00 Td () Tj ET Q q 0 0 0 rg BT 461.10 400.00 Td (s ) Tj ET Q q 0 0 0 rg BT 468.08 400.00 Td (creditworthiness. ) Tj ET Q q 0 0 0 rg BT 539.77 400.00 Td (Risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 94.36 388.00 Td (with ) Tj ET Q q 0 0 0 rg BT 115.40 388.00 Td (our ) Tj ET Q q 0 0 0 rg BT 131.99 388.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 182.45 388.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.92 388.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 241.18 388.00 Td (include ) Tj ET Q q 0 0 0 rg BT 273.88 388.00 Td (those ) Tj ET Q q 0 0 0 rg BT 298.25 388.00 Td (related ) Tj ET Q q 0 0 0 rg BT 328.71 388.00 Td (to ) Tj ET Q q 0 0 0 rg BT 339.75 388.00 Td (the ) Tj ET Q q 0 0 0 rg BT 355.23 388.00 Td (strength ) Tj ET Q q 0 0 0 rg BT 390.71 388.00 Td (of ) Tj ET Q q 0 0 0 rg BT 402.30 388.00 Td (the ) Tj ET Q q 0 0 0 rg BT 417.78 388.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 454.80 388.00 Td () Tj ET Q q 0 0 0 rg BT 457.58 388.00 Td (s ) Tj ET Q q 0 0 0 rg BT 464.73 388.00 Td (business, ) Tj ET Q q 0 0 0 rg BT 504.38 388.00 Td (which ) Tj ET Q q 0 0 0 rg BT 532.08 388.00 Td (may ) Tj ET Q q 0 0 0 rg BT 552.56 388.00 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.00 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 376.00 Td (fected ) Tj ET Q q 0 0 0 rg BT 85.08 376.00 Td (not ) Tj ET Q q 0 0 0 rg BT 100.94 376.00 Td (only ) Tj ET Q q 0 0 0 rg BT 121.79 376.00 Td (by ) Tj ET Q q 0 0 0 rg BT 134.86 376.00 Td (local, ) Tj ET Q q 0 0 0 rg BT 159.87 376.00 Td (regional ) Tj ET Q q 0 0 0 rg BT 195.70 376.00 Td (and ) Tj ET Q q 0 0 0 rg BT 213.21 376.00 Td (national ) Tj ET Q q 0 0 0 rg BT 248.50 376.00 Td (market ) Tj ET Q q 0 0 0 rg BT 279.33 376.00 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 326.57 376.00 Td (but ) Tj ET Q q 0 0 0 rg BT 342.42 376.00 Td (also ) Tj ET Q q 0 0 0 rg BT 361.60 376.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 396.88 376.00 Td (in ) Tj ET Q q 0 0 0 rg BT 407.74 376.00 Td (the ) Tj ET Q q 0 0 0 rg BT 423.02 376.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 460.05 376.00 Td () Tj ET Q q 0 0 0 rg BT 462.82 376.00 Td (s ) Tj ET Q q 0 0 0 rg BT 469.79 376.00 Td (management ) Tj ET Q q 0 0 0 rg BT 523.95 376.00 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 376.00 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.00 Td (factors ) Tj ET Q q 0 0 0 rg BT 79.67 364.00 Td (beyond ) Tj ET Q q 0 0 0 rg BT 111.57 364.00 Td (the ) Tj ET Q q 0 0 0 rg BT 126.25 364.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 163.27 364.00 Td () Tj ET Q q 0 0 0 rg BT 166.05 364.00 Td (s ) Tj ET Q q 0 0 0 rg BT 172.41 364.00 Td (control; ) Tj ET Q q 0 0 0 rg BT 205.97 364.00 Td (those ) Tj ET Q q 0 0 0 rg BT 229.55 364.00 Td (related ) Tj ET Q q 0 0 0 rg BT 259.21 364.00 Td (to ) Tj ET Q q 0 0 0 rg BT 269.45 364.00 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 319.13 364.00 Td (in ) Tj ET Q q 0 0 0 rg BT 329.37 364.00 Td (value ) Tj ET Q q 0 0 0 rg BT 353.49 364.00 Td (of ) Tj ET Q q 0 0 0 rg BT 364.28 364.00 Td (any ) Tj ET Q q 0 0 0 rg BT 381.18 364.00 Td (collateral ) Tj ET Q q 0 0 0 rg BT 420.84 364.00 Td (securing ) Tj ET Q q 0 0 0 rg BT 457.19 364.00 Td (the ) Tj ET Q q 0 0 0 rg BT 471.87 364.00 Td (loan; ) Tj ET Q q 0 0 0 rg BT 494.32 364.00 Td (and ) Tj ET Q q 0 0 0 rg BT 511.23 364.00 Td (those ) Tj ET Q q 0 0 0 rg BT 534.80 364.00 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.00 Td (to ) Tj ET Q q 0 0 0 rg BT 60.36 352.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 85.15 352.00 Td (of ) Tj ET Q q 0 0 0 rg BT 96.06 352.00 Td (the ) Tj ET Q q 0 0 0 rg BT 110.85 352.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 160.63 352.00 Td (loan, ) Tj ET Q q 0 0 0 rg BT 182.92 352.00 Td (which ) Tj ET Q q 0 0 0 rg BT 209.94 352.00 Td (may ) Tj ET Q q 0 0 0 rg BT 229.74 352.00 Td (include ) Tj ET Q q 0 0 0 rg BT 261.75 352.00 Td (balloon ) Tj ET Q q 0 0 0 rg BT 294.32 352.00 Td (payments ) Tj ET Q q 0 0 0 rg BT 335.22 352.00 Td (that ) Tj ET Q q 0 0 0 rg BT 352.80 352.00 Td (must ) Tj ET Q q 0 0 0 rg BT 374.82 352.00 Td (be ) Tj ET Q q 0 0 0 rg BT 386.84 352.00 Td (refinanced ) Tj ET Q q 0 0 0 rg BT 431.61 352.00 Td (or ) Tj ET Q q 0 0 0 rg BT 442.52 352.00 Td (paid ) Tj ET Q q 0 0 0 rg BT 462.31 352.00 Td (of) Tj ET Q q 0 0 0 rg BT 470.46 352.00 Td (f ) Tj ET Q q 0 0 0 rg BT 476.37 352.00 Td (at ) Tj ET Q q 0 0 0 rg BT 486.17 352.00 Td (the ) Tj ET Q q 0 0 0 rg BT 500.96 352.00 Td (end ) Tj ET Q q 0 0 0 rg BT 517.98 352.00 Td (of ) Tj ET Q q 0 0 0 rg BT 528.89 352.00 Td (the ) Tj ET Q q 0 0 0 rg BT 543.68 352.00 Td (term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 340.00 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 340.00 Td (loan. ) Tj ET Q q 0 0 0 rg BT 97.76 340.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 115.82 340.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 165.51 340.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 185.23 340.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 222.72 340.00 Td (presents ) Tj ET Q q 0 0 0 rg BT 257.99 340.00 Td (a ) Tj ET Q q 0 0 0 rg BT 264.93 340.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 292.98 340.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 310.48 340.00 Td (than ) Tj ET Q q 0 0 0 rg BT 330.20 340.00 Td (our ) Tj ET Q q 0 0 0 rg BT 346.03 340.00 Td (consumer ) Tj ET Q q 0 0 0 rg BT 387.40 340.00 Td (real ) Tj ET Q q 0 0 0 rg BT 404.89 340.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 430.15 340.00 Td (and ) Tj ET Q q 0 0 0 rg BT 447.09 340.00 Td (consumer ) Tj ET Q q 0 0 0 rg BT 488.47 340.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 508.18 340.00 Td (portfolios.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 322.00 Td (Commer) Tj ET Q q 0 0 0 rg BT 104.07 322.00 Td (cial ) Tj ET Q q 0 0 0 rg BT 121.54 322.00 Td (r) Tj ET Q q 0 0 0 rg BT 125.06 322.00 Td (eal ) Tj ET Q q 0 0 0 rg BT 139.75 322.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 165.55 322.00 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.72 322.00 Td () Tj ET Q q 0 0 0 rg BT 197.04 322.00 Td (W) Tj ET Q q 0 0 0 rg BT 205.67 322.00 Td (e ) Tj ET Q q 0 0 0 rg BT 212.58 322.00 Td (of) Tj ET Q q 0 0 0 rg BT 220.73 322.00 Td (fer ) Tj ET Q q 0 0 0 rg BT 234.30 322.00 Td (real ) Tj ET Q q 0 0 0 rg BT 251.76 322.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 277.00 322.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 300.58 322.00 Td (for ) Tj ET Q q 0 0 0 rg BT 314.71 322.00 Td (owner) Tj ET Q q 0 0 0 rg BT 339.50 322.00 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 381.40 322.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 431.07 322.00 Td (properties ) Tj ET Q q 0 0 0 rg BT 473.52 322.00 Td (as ) Tj ET Q q 0 0 0 rg BT 484.33 322.00 Td (well ) Tj ET Q q 0 0 0 rg BT 504.01 322.00 Td (as ) Tj ET Q q 0 0 0 rg BT 514.82 322.00 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.00 Td (property ) Tj ET Q q 0 0 0 rg BT 85.41 310.00 Td (owned ) Tj ET Q q 0 0 0 rg BT 113.60 310.00 Td (by ) Tj ET Q q 0 0 0 rg BT 125.13 310.00 Td (real ) Tj ET Q q 0 0 0 rg BT 141.65 310.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 165.94 310.00 Td (investors. ) Tj ET Q q 0 0 0 rg BT 206.08 310.00 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 257.04 310.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 279.68 310.00 Td (that ) Tj ET Q q 0 0 0 rg BT 296.20 310.00 Td (are ) Tj ET Q q 0 0 0 rg BT 309.94 310.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 342.01 310.00 Td (by ) Tj ET Q q 0 0 0 rg BT 353.54 310.00 Td (owner) Tj ET Q q 0 0 0 rg BT 378.33 310.00 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 419.28 310.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 468.01 310.00 Td (real ) Tj ET Q q 0 0 0 rg BT 484.53 310.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 508.82 310.00 Td (and ) Tj ET Q q 0 0 0 rg BT 524.79 310.00 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.00 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 105.96 298.00 Td (by ) Tj ET Q q 0 0 0 rg BT 118.08 298.00 Td (operating ) Tj ET Q q 0 0 0 rg BT 157.95 298.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 177.83 298.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 202.17 298.00 Td (are ) Tj ET Q q 0 0 0 rg BT 216.48 298.00 Td (also ) Tj ET Q q 0 0 0 rg BT 234.70 298.00 Td (included ) Tj ET Q q 0 0 0 rg BT 271.25 298.00 Td (in ) Tj ET Q q 0 0 0 rg BT 281.14 298.00 Td (this ) Tj ET Q q 0 0 0 rg BT 297.70 298.00 Td (category ) Tj ET Q q 0 0 0 rg BT 334.24 298.00 Td (of ) Tj ET Q q 0 0 0 rg BT 344.68 298.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 364.01 298.00 Td (throughout ) Tj ET Q q 0 0 0 rg BT 410.00 298.00 Td (this ) Tj ET Q q 0 0 0 rg BT 426.56 298.00 Td (document. ) Tj ET Q q 0 0 0 rg BT 470.61 298.00 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 522.15 298.00 Td (real ) Tj ET Q q 0 0 0 rg BT 539.25 298.00 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.19 286.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 93.37 286.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 132.54 286.00 Td (are ) Tj ET Q q 0 0 0 rg BT 146.72 286.00 Td (limited ) Tj ET Q q 0 0 0 rg BT 177.02 286.00 Td (to ) Tj ET Q q 0 0 0 rg BT 186.77 286.00 Td (tenyears ) Tj ET Q q 0 0 0 rg BT 224.55 286.00 Td (or ) Tj ET Q q 0 0 0 rg BT 234.85 286.00 Td (less, ) Tj ET Q q 0 0 0 rg BT 254.32 286.00 Td (although ) Tj ET Q q 0 0 0 rg BT 291.28 286.00 Td (payments ) Tj ET Q q 0 0 0 rg BT 331.58 286.00 Td (may ) Tj ET Q q 0 0 0 rg BT 350.76 286.00 Td (be ) Tj ET Q q 0 0 0 rg BT 362.17 286.00 Td (structured ) Tj ET Q q 0 0 0 rg BT 404.13 286.00 Td (on ) Tj ET Q q 0 0 0 rg BT 416.10 286.00 Td (a ) Tj ET Q q 0 0 0 rg BT 422.50 286.00 Td (longer ) Tj ET Q q 0 0 0 rg BT 450.02 286.00 Td (amortization ) Tj ET Q q 0 0 0 rg BT 502.53 286.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 524.50 286.00 Td (of ) Tj ET Q q 0 0 0 rg BT 534.79 286.00 Td (twenty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.00 Td (to ) Tj ET Q q 0 0 0 rg BT 60.32 274.00 Td (thirty ) Tj ET Q q 0 0 0 rg BT 84.54 274.00 Td (years. ) Tj ET Q q 0 0 0 rg BT 110.50 274.00 Td (The ) Tj ET Q q 0 0 0 rg BT 128.59 274.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 160.57 274.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 181.99 274.00 Td (on ) Tj ET Q q 0 0 0 rg BT 194.54 274.00 Td (our ) Tj ET Q q 0 0 0 rg BT 210.42 274.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 260.16 274.00 Td (real ) Tj ET Q q 0 0 0 rg BT 277.69 274.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 303.00 274.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.66 274.00 Td (may ) Tj ET Q q 0 0 0 rg BT 346.42 274.00 Td (be ) Tj ET Q q 0 0 0 rg BT 358.40 274.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 381.50 274.00 Td (or ) Tj ET Q q 0 0 0 rg BT 392.37 274.00 Td (adjustable, ) Tj ET Q q 0 0 0 rg BT 437.96 274.00 Td (although ) Tj ET Q q 0 0 0 rg BT 475.50 274.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 496.93 274.00 Td (typically ) Tj ET Q q 0 0 0 rg BT 534.46 274.00 Td (are ) Tj ET Q q 0 0 0 rg BT 549.22 274.00 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 73.25 262.00 Td (for ) Tj ET Q q 0 0 0 rg BT 87.62 262.00 Td (a ) Tj ET Q q 0 0 0 rg BT 94.77 262.00 Td (period ) Tj ET Q q 0 0 0 rg BT 123.02 262.00 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 166.26 262.00 Td (five ) Tj ET Q q 0 0 0 rg BT 184.51 262.00 Td (to ) Tj ET Q q 0 0 0 rg BT 195.00 262.00 Td (tenyears. ) Tj ET Q q 0 0 0 rg BT 235.82 262.00 Td (W) Tj ET Q q 0 0 0 rg BT 244.46 262.00 Td (e ) Tj ET Q q 0 0 0 rg BT 251.60 262.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 291.51 262.00 Td (char) Tj ET Q q 0 0 0 rg BT 308.54 262.00 Td (ge ) Tj ET Q q 0 0 0 rg BT 320.68 262.00 Td (an ) Tj ET Q q 0 0 0 rg BT 332.83 262.00 Td (origination ) Tj ET Q q 0 0 0 rg BT 379.42 262.00 Td (fee ) Tj ET Q q 0 0 0 rg BT 394.33 262.00 Td (for ) Tj ET Q q 0 0 0 rg BT 408.70 262.00 Td (these ) Tj ET Q q 0 0 0 rg BT 431.95 262.00 Td (loans. ) Tj ET Q q 0 0 0 rg BT 458.07 262.00 Td (W) Tj ET Q q 0 0 0 rg BT 466.71 262.00 Td (e ) Tj ET Q q 0 0 0 rg BT 473.85 262.00 Td (often ) Tj ET Q q 0 0 0 rg BT 497.11 262.00 Td (require ) Tj ET Q q 0 0 0 rg BT 528.13 262.00 Td (personal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.00 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 94.75 250.00 Td (from ) Tj ET Q q 0 0 0 rg BT 116.18 250.00 Td (the ) Tj ET Q q 0 0 0 rg BT 130.39 250.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 167.92 250.00 Td (owner ) Tj ET Q q 0 0 0 rg BT 194.90 250.00 Td (of ) Tj ET Q q 0 0 0 rg BT 205.22 250.00 Td (the ) Tj ET Q q 0 0 0 rg BT 219.43 250.00 Td (business ) Tj ET Q q 0 0 0 rg BT 255.32 250.00 Td (or ) Tj ET Q q 0 0 0 rg BT 265.64 250.00 Td (real ) Tj ET Q q 0 0 0 rg BT 282.62 250.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 307.37 250.00 Td (supported ) Tj ET Q q 0 0 0 rg BT 348.80 250.00 Td (by ) Tj ET Q q 0 0 0 rg BT 360.80 250.00 Td (a ) Tj ET Q q 0 0 0 rg BT 367.23 250.00 Td (review ) Tj ET Q q 0 0 0 rg BT 396.43 250.00 Td (of ) Tj ET Q q 0 0 0 rg BT 406.75 250.00 Td (the ) Tj ET Q q 0 0 0 rg BT 420.96 250.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 458.49 250.00 Td (owner's ) Tj ET Q q 0 0 0 rg BT 491.17 250.00 Td (personal ) Tj ET Q q 0 0 0 rg BT 527.04 250.00 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.00 Td (statements. ) Tj ET Q q 0 0 0 rg BT 96.99 238.00 Td (Risks ) Tj ET Q q 0 0 0 rg BT 121.51 238.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 164.88 238.00 Td (with ) Tj ET Q q 0 0 0 rg BT 184.94 238.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 234.42 238.00 Td (real ) Tj ET Q q 0 0 0 rg BT 251.69 238.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 276.73 238.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 300.12 238.00 Td (include ) Tj ET Q q 0 0 0 rg BT 331.84 238.00 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 381.33 238.00 Td (in ) Tj ET Q q 0 0 0 rg BT 391.39 238.00 Td (the ) Tj ET Q q 0 0 0 rg BT 405.89 238.00 Td (value ) Tj ET Q q 0 0 0 rg BT 429.83 238.00 Td (of ) Tj ET Q q 0 0 0 rg BT 440.44 238.00 Td (real ) Tj ET Q q 0 0 0 rg BT 457.71 238.00 Td (estate, ) Tj ET Q q 0 0 0 rg BT 485.25 238.00 Td (the ) Tj ET Q q 0 0 0 rg BT 499.75 238.00 Td (overall ) Tj ET Q q 0 0 0 rg BT 529.80 238.00 Td (strength ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.00 Td (of ) Tj ET Q q 0 0 0 rg BT 62.17 226.00 Td (the ) Tj ET Q q 0 0 0 rg BT 78.22 226.00 Td (economy) Tj ET Q q 0 0 0 rg BT 114.23 226.00 Td (, ) Tj ET Q q 0 0 0 rg BT 120.57 226.00 Td (new ) Tj ET Q q 0 0 0 rg BT 141.07 226.00 Td (job ) Tj ET Q q 0 0 0 rg BT 157.69 226.00 Td (creation ) Tj ET Q q 0 0 0 rg BT 193.73 226.00 Td (trends, ) Tj ET Q q 0 0 0 rg BT 224.50 226.00 Td (tenant ) Tj ET Q q 0 0 0 rg BT 252.78 226.00 Td (vacancy ) Tj ET Q q 0 0 0 rg BT 289.37 226.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 314.58 226.00 Td (property ) Tj ET Q q 0 0 0 rg BT 352.30 226.00 Td (use ) Tj ET Q q 0 0 0 rg BT 369.47 226.00 Td (trends, ) Tj ET Q q 0 0 0 rg BT 400.25 226.00 Td (business ) Tj ET Q q 0 0 0 rg BT 437.98 226.00 Td (sector ) Tj ET Q q 0 0 0 rg BT 465.69 226.00 Td (changes, ) Tj ET Q q 0 0 0 rg BT 504.24 226.00 Td (environmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.00 Td (contamination, ) Tj ET Q q 0 0 0 rg BT 111.99 214.00 Td (and ) Tj ET Q q 0 0 0 rg BT 128.71 214.00 Td (the ) Tj ET Q q 0 0 0 rg BT 143.21 214.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 173.26 214.00 Td (of ) Tj ET Q q 0 0 0 rg BT 183.87 214.00 Td (the ) Tj ET Q q 0 0 0 rg BT 198.37 214.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 235.39 214.00 Td () Tj ET Q q 0 0 0 rg BT 238.17 214.00 Td (s ) Tj ET Q q 0 0 0 rg BT 244.35 214.00 Td (management. ) Tj ET Q q 0 0 0 rg BT 300.05 214.00 Td (W) Tj ET Q q 0 0 0 rg BT 308.69 214.00 Td (e ) Tj ET Q q 0 0 0 rg BT 315.41 214.00 Td (make ) Tj ET Q q 0 0 0 rg BT 339.35 214.00 Td (ef) Tj ET Q q 0 0 0 rg BT 346.93 214.00 Td (forts ) Tj ET Q q 0 0 0 rg BT 367.55 214.00 Td (to ) Tj ET Q q 0 0 0 rg BT 377.61 214.00 Td (limit ) Tj ET Q q 0 0 0 rg BT 398.78 214.00 Td (our ) Tj ET Q q 0 0 0 rg BT 414.39 214.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 431.67 214.00 Td (by ) Tj ET Q q 0 0 0 rg BT 443.96 214.00 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 485.11 214.00 Td (the ) Tj ET Q q 0 0 0 rg BT 499.61 214.00 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 544.23 214.00 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 70.42 202.00 Td (and ) Tj ET Q q 0 0 0 rg BT 86.94 202.00 Td (collateral ) Tj ET Q q 0 0 0 rg BT 126.22 202.00 Td (value ) Tj ET Q q 0 0 0 rg BT 149.96 202.00 Td (as ) Tj ET Q q 0 0 0 rg BT 160.38 202.00 Td (well ) Tj ET Q q 0 0 0 rg BT 179.68 202.00 Td (as ) Tj ET Q q 0 0 0 rg BT 190.09 202.00 Td (all ) Tj ET Q q 0 0 0 rg BT 202.17 202.00 Td (of ) Tj ET Q q 0 0 0 rg BT 212.59 202.00 Td (the ) Tj ET Q q 0 0 0 rg BT 226.89 202.00 Td (sponsors) Tj ET Q q 0 0 0 rg BT 264.48 202.00 Td ( ) Tj ET Q q 0 0 0 rg BT 266.57 202.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 312.53 202.00 Td (activities. ) Tj ET Q q 0 0 0 rg BT 353.07 202.00 Td (The ) Tj ET Q q 0 0 0 rg BT 370.70 202.00 Td (real ) Tj ET Q q 0 0 0 rg BT 387.77 202.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 412.62 202.00 Td (securing ) Tj ET Q q 0 0 0 rg BT 448.58 202.00 Td (our ) Tj ET Q q 0 0 0 rg BT 463.99 202.00 Td (existing ) Tj ET Q q 0 0 0 rg BT 497.74 202.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.03 202.00 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.90 190.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 100.14 190.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 136.59 190.00 Td (a ) Tj ET Q q 0 0 0 rg BT 144.17 190.00 Td (wide ) Tj ET Q q 0 0 0 rg BT 166.74 190.00 Td (variety ) Tj ET Q q 0 0 0 rg BT 197.63 190.00 Td (of ) Tj ET Q q 0 0 0 rg BT 209.09 190.00 Td (property ) Tj ET Q q 0 0 0 rg BT 246.10 190.00 Td (types, ) Tj ET Q q 0 0 0 rg BT 272.84 190.00 Td (such ) Tj ET Q q 0 0 0 rg BT 294.31 190.00 Td (as ) Tj ET Q q 0 0 0 rg BT 305.77 190.00 Td (owner) Tj ET Q q 0 0 0 rg BT 330.56 190.00 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 373.12 190.00 Td (of) Tj ET Q q 0 0 0 rg BT 381.26 190.00 Td (fices/warehouses/production ) Tj ET Q q 0 0 0 rg BT 498.81 190.00 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 538.87 190.00 Td (of) Tj ET Q q 0 0 0 rg BT 547.02 190.00 Td (fice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.00 Td (buildings, ) Tj ET Q q 0 0 0 rg BT 91.69 178.00 Td (industrial, ) Tj ET Q q 0 0 0 rg BT 133.93 178.00 Td (mixed-use ) Tj ET Q q 0 0 0 rg BT 177.54 178.00 Td (residential/commercial, ) Tj ET Q q 0 0 0 rg BT 273.63 178.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 296.14 178.00 Td (centers ) Tj ET Q q 0 0 0 rg BT 326.42 178.00 Td (and ) Tj ET Q q 0 0 0 rg BT 342.82 178.00 Td (multifamily ) Tj ET Q q 0 0 0 rg BT 392.00 178.00 Td (properties. ) Tj ET Q q 0 0 0 rg BT 436.45 178.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 453.96 178.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 503.12 178.00 Td (real ) Tj ET Q q 0 0 0 rg BT 520.07 178.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 544.79 178.00 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 87.50 166.00 Td (presents ) Tj ET Q q 0 0 0 rg BT 122.76 166.00 Td (a ) Tj ET Q q 0 0 0 rg BT 129.70 166.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 157.75 166.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 175.25 166.00 Td (than ) Tj ET Q q 0 0 0 rg BT 194.97 166.00 Td (our ) Tj ET Q q 0 0 0 rg BT 210.80 166.00 Td (consumer ) Tj ET Q q 0 0 0 rg BT 252.17 166.00 Td (real ) Tj ET Q q 0 0 0 rg BT 269.66 166.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 294.92 166.00 Td (and ) Tj ET Q q 0 0 0 rg BT 311.86 166.00 Td (consumer ) Tj ET Q q 0 0 0 rg BT 353.24 166.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 372.95 166.00 Td (portfolios.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 148.00 Td (Construction ) Tj ET Q q 0 0 0 rg BT 125.21 148.00 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.38 148.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 175.41 148.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 227.82 148.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 265.80 148.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 302.10 148.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.19 148.00 Td (to ) Tj ET Q q 0 0 0 rg BT 336.95 148.00 Td (small ) Tj ET Q q 0 0 0 rg BT 361.59 148.00 Td (and ) Tj ET Q q 0 0 0 rg BT 379.01 148.00 Td (medium ) Tj ET Q q 0 0 0 rg BT 414.77 148.00 Td (sized ) Tj ET Q q 0 0 0 rg BT 438.29 148.00 Td (businesses ) Tj ET Q q 0 0 0 rg BT 483.49 148.00 Td (to ) Tj ET Q q 0 0 0 rg BT 494.25 148.00 Td (construct ) Tj ET Q q 0 0 0 rg BT 533.89 148.00 Td (owner) Tj ET Q q 0 0 0 rg BT 558.68 148.00 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.00 Td (used ) Tj ET Q q 0 0 0 rg BT 70.58 136.00 Td (properties, ) Tj ET Q q 0 0 0 rg BT 115.32 136.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 138.68 136.00 Td (to ) Tj ET Q q 0 0 0 rg BT 148.71 136.00 Td (developers ) Tj ET Q q 0 0 0 rg BT 194.28 136.00 Td (of ) Tj ET Q q 0 0 0 rg BT 204.86 136.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 254.31 136.00 Td (real ) Tj ET Q q 0 0 0 rg BT 271.55 136.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 296.57 136.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 342.70 136.00 Td (properties ) Tj ET Q q 0 0 0 rg BT 384.94 136.00 Td (and ) Tj ET Q q 0 0 0 rg BT 401.63 136.00 Td (residential ) Tj ET Q q 0 0 0 rg BT 445.53 136.00 Td (developments ) Tj ET Q q 0 0 0 rg BT 503.33 136.00 Td (and, ) Tj ET Q q 0 0 0 rg BT 522.52 136.00 Td (to ) Tj ET Q q 0 0 0 rg BT 532.55 136.00 Td (a ) Tj ET Q q 0 0 0 rg BT 539.24 136.00 Td (lesser ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.00 Td (extent, ) Tj ET Q q 0 0 0 rg BT 79.24 124.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 102.66 124.00 Td (to ) Tj ET Q q 0 0 0 rg BT 112.75 124.00 Td (individual ) Tj ET Q q 0 0 0 rg BT 155.61 124.00 Td (clients ) Tj ET Q q 0 0 0 rg BT 184.02 124.00 Td (for ) Tj ET Q q 0 0 0 rg BT 197.99 124.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 249.74 124.00 Td (of ) Tj ET Q q 0 0 0 rg BT 260.38 124.00 Td (single ) Tj ET Q q 0 0 0 rg BT 286.57 124.00 Td (family ) Tj ET Q q 0 0 0 rg BT 314.99 124.00 Td (homes ) Tj ET Q q 0 0 0 rg BT 343.40 124.00 Td (in ) Tj ET Q q 0 0 0 rg BT 353.49 124.00 Td (our ) Tj ET Q q 0 0 0 rg BT 369.13 124.00 Td (market. ) Tj ET Q q 0 0 0 rg BT 401.70 124.00 Td (Construction ) Tj ET Q q 0 0 0 rg BT 455.68 124.00 Td (and ) Tj ET Q q 0 0 0 rg BT 472.43 124.00 Td (development ) Tj ET Q q 0 0 0 rg BT 526.39 124.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.80 124.00 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 90.18 112.00 Td (made ) Tj ET Q q 0 0 0 rg BT 114.80 112.00 Td (with ) Tj ET Q q 0 0 0 rg BT 135.56 112.00 Td (a ) Tj ET Q q 0 0 0 rg BT 142.97 112.00 Td (term ) Tj ET Q q 0 0 0 rg BT 164.27 112.00 Td (of ) Tj ET Q q 0 0 0 rg BT 175.57 112.00 Td (one ) Tj ET Q q 0 0 0 rg BT 192.98 112.00 Td (to ) Tj ET Q q 0 0 0 rg BT 203.74 112.00 Td (twoyears ) Tj ET Q q 0 0 0 rg BT 245.31 112.00 Td (and ) Tj ET Q q 0 0 0 rg BT 262.72 112.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 295.13 112.00 Td (is ) Tj ET Q q 0 0 0 rg BT 304.77 112.00 Td (paid ) Tj ET Q q 0 0 0 rg BT 324.96 112.00 Td (monthly) Tj ET Q q 0 0 0 rg BT 357.65 112.00 Td (. ) Tj ET Q q 0 0 0 rg BT 362.91 112.00 Td (The ) Tj ET Q q 0 0 0 rg BT 381.43 112.00 Td (ratio ) Tj ET Q q 0 0 0 rg BT 402.72 112.00 Td (of ) Tj ET Q q 0 0 0 rg BT 414.03 112.00 Td (the ) Tj ET Q q 0 0 0 rg BT 429.22 112.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 449.41 112.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 487.92 112.00 Td (to ) Tj ET Q q 0 0 0 rg BT 498.68 112.00 Td (the ) Tj ET Q q 0 0 0 rg BT 513.87 112.00 Td (value ) Tj ET Q q 0 0 0 rg BT 538.50 112.00 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 112.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.00 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 91.48 100.00 Td (as ) Tj ET Q q 0 0 0 rg BT 101.60 100.00 Td (established ) Tj ET Q q 0 0 0 rg BT 147.81 100.00 Td (by ) Tj ET Q q 0 0 0 rg BT 159.60 100.00 Td (independent ) Tj ET Q q 0 0 0 rg BT 210.26 100.00 Td (appraisal, ) Tj ET Q q 0 0 0 rg BT 250.63 100.00 Td (typically ) Tj ET Q q 0 0 0 rg BT 287.41 100.00 Td (will ) Tj ET Q q 0 0 0 rg BT 304.75 100.00 Td (not ) Tj ET Q q 0 0 0 rg BT 319.31 100.00 Td (exceed ) Tj ET Q q 0 0 0 rg BT 348.85 100.00 Td (industry ) Tj ET Q q 0 0 0 rg BT 383.42 100.00 Td (standards. ) Tj ET Q q 0 0 0 rg BT 425.47 100.00 Td (Loan ) Tj ET Q q 0 0 0 rg BT 447.80 100.00 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 485.12 100.00 Td (are ) Tj ET Q q 0 0 0 rg BT 499.11 100.00 Td (disbursed ) Tj ET Q q 0 0 0 rg BT 539.23 100.00 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.00 Td (on ) Tj ET Q q 0 0 0 rg BT 62.05 88.00 Td (thepercentage ) Tj ET Q q 0 0 0 rg BT 122.12 88.00 Td (of ) Tj ET Q q 0 0 0 rg BT 132.50 88.00 Td (completion ) Tj ET Q q 0 0 0 rg BT 179.55 88.00 Td (and ) Tj ET Q q 0 0 0 rg BT 196.04 88.00 Td (only ) Tj ET Q q 0 0 0 rg BT 215.87 88.00 Td (after ) Tj ET Q q 0 0 0 rg BT 236.24 88.00 Td (the ) Tj ET Q q 0 0 0 rg BT 250.50 88.00 Td (project ) Tj ET Q q 0 0 0 rg BT 280.32 88.00 Td (has ) Tj ET Q q 0 0 0 rg BT 295.70 88.00 Td (been ) Tj ET Q q 0 0 0 rg BT 316.63 88.00 Td (inspected ) Tj ET Q q 0 0 0 rg BT 356.45 88.00 Td (by ) Tj ET Q q 0 0 0 rg BT 368.50 88.00 Td (an ) Tj ET Q q 0 0 0 rg BT 379.99 88.00 Td (experienced ) Tj ET Q q 0 0 0 rg BT 430.34 88.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 481.83 88.00 Td (lender ) Tj ET Q q 0 0 0 rg BT 508.87 88.00 Td (or ) Tj ET Q q 0 0 0 rg BT 519.25 88.00 Td (third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.00 Td (inspector) Tj ET Q q 0 0 0 rg BT 86.10 76.00 Td (. ) Tj ET Q q 0 0 0 rg BT 90.74 76.00 Td (Risks ) Tj ET Q q 0 0 0 rg BT 115.11 76.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 158.33 76.00 Td (with ) Tj ET Q q 0 0 0 rg BT 178.25 76.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 229.82 76.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 253.06 76.00 Td (include ) Tj ET Q q 0 0 0 rg BT 284.63 76.00 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 333.98 76.00 Td (in ) Tj ET Q q 0 0 0 rg BT 343.89 76.00 Td (the ) Tj ET Q q 0 0 0 rg BT 358.24 76.00 Td (value ) Tj ET Q q 0 0 0 rg BT 382.03 76.00 Td (of ) Tj ET Q q 0 0 0 rg BT 392.50 76.00 Td (real ) Tj ET Q q 0 0 0 rg BT 409.62 76.00 Td (estate, ) Tj ET Q q 0 0 0 rg BT 437.02 76.00 Td (project ) Tj ET Q q 0 0 0 rg BT 466.92 76.00 Td (completion ) Tj ET Q q 0 0 0 rg BT 514.04 76.00 Td (risk, ) Tj ET Q q 0 0 0 rg BT 533.68 76.00 Td (leasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.53 64.00 Td (and ) Tj ET Q q 0 0 0 rg BT 84.50 64.00 Td (change ) Tj ET Q q 0 0 0 rg BT 115.35 64.00 Td (in ) Tj ET Q q 0 0 0 rg BT 125.66 64.00 Td (market ) Tj ET Q q 0 0 0 rg BT 155.95 64.00 Td (trends. ) Tj ET Q q 0 0 0 rg BT 185.24 64.00 Td (W) Tj ET Q q 0 0 0 rg BT 193.87 64.00 Td (e ) Tj ET Q q 0 0 0 rg BT 200.84 64.00 Td (are ) Tj ET Q q 0 0 0 rg BT 215.58 64.00 Td (also ) Tj ET Q q 0 0 0 rg BT 234.22 64.00 Td (exposed ) Tj ET Q q 0 0 0 rg BT 269.52 64.00 Td (to ) Tj ET Q q 0 0 0 rg BT 279.83 64.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 297.36 64.00 Td (based ) Tj ET Q q 0 0 0 rg BT 322.66 64.00 Td (on ) Tj ET Q q 0 0 0 rg BT 335.19 64.00 Td (the ) Tj ET Q q 0 0 0 rg BT 349.94 64.00 Td (ability ) Tj ET Q q 0 0 0 rg BT 378.02 64.00 Td (of ) Tj ET Q q 0 0 0 rg BT 388.88 64.00 Td (the ) Tj ET Q q 0 0 0 rg BT 403.63 64.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 455.59 64.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 475.34 64.00 Td (borrower ) Tj ET Q q 0 0 0 rg BT 514.52 64.00 Td (to ) Tj ET Q q 0 0 0 rg BT 524.83 64.00 Td (refinance ) 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 (6) 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 65.06 742.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 85.13 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 96.30 742.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 113.04 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.10 742.10 Td (property ) Tj ET Q q 0 0 0 rg BT 164.82 742.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 187.67 742.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 235.51 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.68 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.75 742.10 Td (project, ) Tj ET Q q 0 0 0 rg BT 294.86 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 322.14 742.10 Td (may ) Tj ET Q q 0 0 0 rg BT 342.21 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 354.49 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 362.08 742.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 389.35 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 402.20 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 437.25 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.88 742.10 Td (market ) Tj ET Q q 0 0 0 rg BT 478.49 742.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 505.77 742.10 Td (since ) Tj ET Q q 0 0 0 rg BT 529.17 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.23 742.10 Td (time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.66 730.10 Td (funded ) Tj ET Q q 0 0 0 rg BT 111.92 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.64 730.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 178.57 730.10 Td (loan.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 712.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 113.76 712.10 Td (r) Tj ET Q q 0 0 0 rg BT 117.28 712.10 Td (eal ) Tj ET Q q 0 0 0 rg BT 132.15 712.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 158.12 712.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.29 712.10 Td (In ) Tj ET Q q 0 0 0 rg BT 200.77 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.63 712.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 242.72 712.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 273.68 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.66 712.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 309.81 712.10 Td (management ) Tj ET Q q 0 0 0 rg BT 363.54 712.10 Td (made ) Tj ET Q q 0 0 0 rg BT 387.85 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.71 712.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 439.23 712.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 475.21 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.63 712.10 Td (no ) Tj ET Q q 0 0 0 rg BT 498.28 712.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 526.48 712.10 Td (originate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 94.17 700.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 134.45 700.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 160.58 700.10 Td (Prior ) Tj ET Q q 0 0 0 rg BT 183.10 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.40 700.10 Td (this ) Tj ET Q q 0 0 0 rg BT 210.37 700.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 246.21 700.10 Td (we ) Tj ET Q q 0 0 0 rg BT 260.39 700.10 Td (of) Tj ET Q q 0 0 0 rg BT 268.54 700.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 291.60 700.10 Td (first ) Tj ET Q q 0 0 0 rg BT 310.22 700.10 Td (lien ) Tj ET Q q 0 0 0 rg BT 327.74 700.10 Td (one-to-four ) Tj ET Q q 0 0 0 rg BT 375.80 700.10 Td (family ) Tj ET Q q 0 0 0 rg BT 404.42 700.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 444.70 700.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 470.83 700.10 Td (as ) Tj ET Q q 0 0 0 rg BT 481.68 700.10 Td (well ) Tj ET Q q 0 0 0 rg BT 501.42 700.10 Td (as ) Tj ET Q q 0 0 0 rg BT 512.27 700.10 Td (home ) Tj ET Q q 0 0 0 rg BT 537.00 700.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 72.46 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.36 688.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 113.19 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 124.54 688.10 Td (each ) Tj ET Q q 0 0 0 rg BT 146.42 688.10 Td (case ) Tj ET Q q 0 0 0 rg BT 167.20 688.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 207.98 688.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.55 688.10 Td (owner) Tj ET Q q 0 0 0 rg BT 246.34 688.10 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 289.33 688.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 324.56 688.10 Td (residences. ) Tj ET Q q 0 0 0 rg BT 372.01 688.10 Td (W) Tj ET Q q 0 0 0 rg BT 380.65 688.10 Td (e ) Tj ET Q q 0 0 0 rg BT 388.66 688.10 Td (also ) Tj ET Q q 0 0 0 rg BT 408.34 688.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 452.45 688.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.68 688.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 486.79 688.10 Td (one-to-four ) Tj ET Q q 0 0 0 rg BT 535.90 688.10 Td (family ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 89.84 676.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 115.52 676.10 Td (which ) Tj ET Q q 0 0 0 rg BT 142.03 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 156.31 676.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 196.15 676.10 Td (as ) Tj ET Q q 0 0 0 rg BT 206.56 676.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 229.74 676.10 Td (held ) Tj ET Q q 0 0 0 rg BT 249.03 676.10 Td (for ) Tj ET Q q 0 0 0 rg BT 262.76 676.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 280.39 676.10 Td (until ) Tj ET Q q 0 0 0 rg BT 300.79 676.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 319.54 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.39 676.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 369.62 676.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 409.47 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 424.87 676.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 465.82 676.10 Td (real ) Tj ET Q q 0 0 0 rg BT 482.88 676.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 507.72 676.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.01 676.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 85.02 664.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 110.03 664.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 135.61 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.19 664.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 163.44 664.10 Td (than ) Tj ET Q q 0 0 0 rg BT 182.90 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.48 664.10 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 250.42 664.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 299.87 664.10 Td (real ) Tj ET Q q 0 0 0 rg BT 317.10 664.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 342.12 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.80 664.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 410.49 664.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 429.95 664.10 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 473.59 664.10 Td (we ) Tj ET Q q 0 0 0 rg BT 487.50 664.10 Td (are ) Tj ET Q q 0 0 0 rg BT 501.95 664.10 Td (exposed ) Tj ET Q q 0 0 0 rg BT 536.97 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 546.99 664.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.83 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.89 652.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 139.17 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.01 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.29 652.10 Td (value ) Tj ET Q q 0 0 0 rg BT 190.01 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.40 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.68 652.10 Td (real ) Tj ET Q q 0 0 0 rg BT 234.73 652.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 260.56 652.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 300.82 652.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 337.76 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.04 652.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 375.82 652.10 Td (as ) Tj ET Q q 0 0 0 rg BT 387.21 652.10 Td (well ) Tj ET Q q 0 0 0 rg BT 407.49 652.10 Td (as ) Tj ET Q q 0 0 0 rg BT 418.88 652.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 454.15 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.99 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.27 652.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 517.29 652.10 Td () Tj ET Q q 0 0 0 rg BT 520.07 652.10 Td (s ) Tj ET Q q 0 0 0 rg BT 527.03 652.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 92.77 640.10 Td (which ) Tj ET Q q 0 0 0 rg BT 119.71 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 144.43 640.10 Td (be ) Tj ET Q q 0 0 0 rg BT 156.37 640.10 Td (af) Tj ET Q q 0 0 0 rg BT 163.96 640.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 190.88 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 203.38 640.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 245.32 640.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 277.52 640.10 Td (including ) Tj ET Q q 0 0 0 rg BT 317.80 640.10 Td (divorce, ) Tj ET Q q 0 0 0 rg BT 352.78 640.10 Td (job ) Tj ET Q q 0 0 0 rg BT 368.06 640.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 388.62 640.10 Td (illness ) Tj ET Q q 0 0 0 rg BT 416.68 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 427.51 640.10 Td (other ) Tj ET Q q 0 0 0 rg BT 450.56 640.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 486.93 640.10 Td (hardship.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 622.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 112.89 622.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.06 622.10 Td () Tj ET Q q 0 0 0 rg BT 144.38 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 153.02 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 159.23 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 178.23 622.10 Td (of) Tj ET Q q 0 0 0 rg BT 186.38 622.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 199.25 622.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 239.91 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 262.79 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 272.90 622.10 Td (an ) Tj ET Q q 0 0 0 rg BT 284.12 622.10 Td (accommodation ) Tj ET Q q 0 0 0 rg BT 349.76 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.32 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 374.42 622.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 407.87 622.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 452.69 622.10 Td (but ) Tj ET Q q 0 0 0 rg BT 467.25 622.10 Td (do ) Tj ET Q q 0 0 0 rg BT 479.02 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 493.58 622.10 Td (market ) Tj ET Q q 0 0 0 rg BT 523.12 622.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.65 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 83.96 610.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 117.06 610.10 Td (who ) Tj ET Q q 0 0 0 rg BT 136.82 610.10 Td (do ) Tj ET Q q 0 0 0 rg BT 149.36 610.10 Td (not ) Tj ET Q q 0 0 0 rg BT 164.67 610.10 Td (have ) Tj ET Q q 0 0 0 rg BT 186.09 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 193.07 610.10 Td (pre-existing ) Tj ET Q q 0 0 0 rg BT 243.37 610.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 293.12 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 313.44 610.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 326.81 610.10 Td (As ) Tj ET Q q 0 0 0 rg BT 340.46 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.33 610.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 409.95 610.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 434.99 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.86 610.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 492.28 610.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 515.92 610.10 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (less ) Tj ET Q q 0 0 0 rg BT 67.59 598.10 Td (than ) Tj ET Q q 0 0 0 rg BT 87.40 598.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 103.31 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.23 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 130.15 598.10 Td (total ) Tj ET Q q 0 0 0 rg BT 150.52 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 170.32 598.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 210.22 598.10 Td (While ) Tj ET Q q 0 0 0 rg BT 237.24 598.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 278.71 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 302.41 598.10 Td (may ) Tj ET Q q 0 0 0 rg BT 322.21 598.10 Td (not ) Tj ET Q q 0 0 0 rg BT 337.58 598.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 367.93 598.10 Td (below ) Tj ET Q q 0 0 0 rg BT 394.96 598.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 410.88 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.80 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 437.72 598.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 477.80 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 492.05 598.10 Td (do ) Tj ET Q q 0 0 0 rg BT 504.64 598.10 Td (not ) Tj ET Q q 0 0 0 rg BT 520.01 598.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 548.69 598.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.48 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.19 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 125.58 586.10 Td (become ) Tj ET Q q 0 0 0 rg BT 159.27 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.32 586.10 Td (material ) Tj ET Q q 0 0 0 rg BT 201.68 586.10 Td (component ) Tj ET Q q 0 0 0 rg BT 248.72 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.65 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 275.58 586.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 295.41 586.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 333.00 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 342.83 586.10 Td (any ) Tj ET Q q 0 0 0 rg BT 359.87 586.10 Td (time ) Tj ET Q q 0 0 0 rg BT 380.25 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.63 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.45 586.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 453.57 586.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 481.98 586.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 522.36 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 536.63 586.10 Td (do ) Tj ET Q q 0 0 0 rg BT 549.23 586.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 79.96 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 89.38 574.10 Td (any ) Tj ET Q q 0 0 0 rg BT 105.46 574.10 Td (material ) Tj ET Q q 0 0 0 rg BT 139.86 574.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 171.50 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.47 574.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 221.99 574.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 256.13 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 271.11 574.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 311.63 574.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 336.88 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 362.96 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 376.81 574.10 Td (underwritten ) Tj ET Q q 0 0 0 rg BT 429.55 574.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 468.40 574.10 Td (based ) Tj ET Q q 0 0 0 rg BT 492.81 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 504.46 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.32 574.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 555.34 574.10 Td () Tj ET Q q 0 0 0 rg BT 558.12 574.10 Td (s ) 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 88.31 562.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 129.40 562.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 149.67 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.77 562.10 Td (many ) Tj ET Q q 0 0 0 rg BT 186.31 562.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 213.24 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 228.77 562.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 272.63 562.10 Td (credits, ) Tj ET Q q 0 0 0 rg BT 305.11 562.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 336.76 562.10 Td (us ) Tj ET Q q 0 0 0 rg BT 348.98 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.08 562.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 378.41 562.10 Td (based ) Tj ET Q q 0 0 0 rg BT 404.50 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 417.83 562.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 453.36 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.46 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.00 562.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 517.03 562.10 Td () Tj ET Q q 0 0 0 rg BT 519.80 562.10 Td (s ) 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 (condition, ) Tj ET Q q 0 0 0 rg BT 92.77 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 119.71 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 144.43 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 156.37 550.10 Td (af) Tj ET Q q 0 0 0 rg BT 163.96 550.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 190.88 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 203.38 550.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 245.32 550.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 277.52 550.10 Td (including ) Tj ET Q q 0 0 0 rg BT 317.80 550.10 Td (those ) Tj ET Q q 0 0 0 rg BT 341.41 550.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 382.24 550.10 Td (above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 61.48 532.10 Td (edit Policy and Pr) Tj ET Q q 0 0 0 rg BT 137.68 532.10 Td (ocedur) Tj ET Q q 0 0 0 rg BT 166.94 532.10 Td (es) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 514.10 Td (General.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.27 514.10 Td () Tj ET Q q 0 0 0 rg BT 112.59 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 121.23 514.10 Td (e ) Tj ET Q q 0 0 0 rg BT 128.68 514.10 Td (adhere ) Tj ET Q q 0 0 0 rg BT 158.33 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.13 514.10 Td (what ) Tj ET Q q 0 0 0 rg BT 191.58 514.10 Td (we ) Tj ET Q q 0 0 0 rg BT 206.25 514.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 238.13 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 253.35 514.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 300.25 514.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 354.92 514.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 398.20 514.10 Td (but ) Tj ET Q q 0 0 0 rg BT 413.99 514.10 Td (also ) Tj ET Q q 0 0 0 rg BT 433.11 514.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 463.89 514.10 Td (cognizant ) Tj ET Q q 0 0 0 rg BT 505.77 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.11 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.34 514.10 Td (need ) Tj ET Q q 0 0 0 rg BT 554.23 514.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 74.22 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.55 502.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.43 502.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 141.31 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.76 502.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 196.42 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.32 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 223.77 502.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 258.54 502.10 Td (market ) Tj ET Q q 0 0 0 rg BT 289.42 502.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 313.07 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 326.19 502.10 Td (of) Tj ET Q q 0 0 0 rg BT 334.34 502.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 361.33 502.10 Td (flexible ) Tj ET Q q 0 0 0 rg BT 394.99 502.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 415.32 502.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 454.56 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 465.45 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 473.01 502.10 Td (responsive ) Tj ET Q q 0 0 0 rg BT 518.90 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 536.45 502.10 Td (timely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (manner) Tj ET Q q 0 0 0 rg BT 79.43 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 84.20 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 92.83 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 99.71 490.10 Td (also ) Tj ET Q q 0 0 0 rg BT 118.26 490.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 138.47 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.69 490.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 186.12 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 193.00 490.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 238.20 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 257.86 490.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 295.30 490.10 Td (across ) Tj ET Q q 0 0 0 rg BT 322.73 490.10 Td (customer) Tj ET Q q 0 0 0 rg BT 358.98 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 363.92 490.10 Td (product ) Tj ET Q q 0 0 0 rg BT 396.91 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.79 490.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 449.01 490.10 Td (types. ) Tj ET Q q 0 0 0 rg BT 475.06 490.10 Td (However) Tj ET Q q 0 0 0 rg BT 511.31 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.25 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 532.02 490.10 Td (lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 82.57 478.10 Td (do ) Tj ET Q q 0 0 0 rg BT 94.03 478.10 Td (not ) Tj ET Q q 0 0 0 rg BT 108.27 478.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 140.28 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 153.41 478.10 Td (any ) Tj ET Q q 0 0 0 rg BT 169.31 478.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 191.88 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 208.34 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 222.01 478.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 249.03 478.10 Td (speculative, ) Tj ET Q q 0 0 0 rg BT 297.98 478.10 Td (subprime, ) Tj ET Q q 0 0 0 rg BT 339.16 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 348.95 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 365.41 478.10 Td (have ) Tj ET Q q 0 0 0 rg BT 385.75 478.10 Td (high ) Tj ET Q q 0 0 0 rg BT 404.99 478.10 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 459.77 478.10 Td (ratios. ) Tj ET Q q 0 0 0 rg BT 485.84 478.10 Td (These ) Tj ET Q q 0 0 0 rg BT 511.18 478.10 Td (components, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (together ) Tj ET Q q 0 0 0 rg BT 84.79 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 104.59 466.10 Td (active ) Tj ET Q q 0 0 0 rg BT 130.49 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 155.28 466.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 210.90 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 225.13 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.38 466.10 Td (foundation ) Tj ET Q q 0 0 0 rg BT 284.73 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.08 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 310.44 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 335.23 466.10 Td (culture, ) Tj ET Q q 0 0 0 rg BT 367.52 466.10 Td (which ) Tj ET Q q 0 0 0 rg BT 393.98 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 407.67 466.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 438.57 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 447.27 466.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 477.05 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.86 466.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 529.98 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.22 466.10 Td (long ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (term ) Tj ET Q q 0 0 0 rg BT 70.83 454.10 Td (value ) Tj ET Q q 0 0 0 rg BT 94.98 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.81 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 121.64 454.10 Td (or) Tj ET Q q 0 0 0 rg BT 129.79 454.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 173.94 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.22 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 200.05 454.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 245.60 454.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 293.36 454.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 346.40 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.33 454.10 Td (communities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 436.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 436.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.78 436.10 Td (have ) Tj ET Q q 0 0 0 rg BT 107.36 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.51 436.10 Td (service-driven, ) Tj ET Q q 0 0 0 rg BT 176.90 436.10 Td (relationship-based, ) Tj ET Q q 0 0 0 rg BT 255.42 436.10 Td (business-focused ) Tj ET Q q 0 0 0 rg BT 326.45 436.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 351.91 436.10 Td (culture, ) Tj ET Q q 0 0 0 rg BT 384.88 436.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 410.90 436.10 Td (than ) Tj ET Q q 0 0 0 rg BT 430.83 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 437.97 436.10 Td (price-driven, ) Tj ET Q q 0 0 0 rg BT 492.04 436.10 Td (transaction-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (culture. ) Tj ET Q q 0 0 0 rg BT 82.18 424.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 131.51 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 136.47 424.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 189.48 424.10 Td (all ) Tj ET Q q 0 0 0 rg BT 201.93 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.72 424.10 Td (our ) Tj ET Q q 0 0 0 rg BT 228.51 424.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 252.08 424.10 Td (are ) Tj ET Q q 0 0 0 rg BT 266.74 424.10 Td (made ) Tj ET Q q 0 0 0 rg BT 290.85 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.09 424.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 344.09 424.10 Td (located ) Tj ET Q q 0 0 0 rg BT 375.42 424.10 Td (or ) Tj ET Q q 0 0 0 rg BT 386.21 424.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 426.43 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.66 424.10 Td (our ) Tj ET Q q 0 0 0 rg BT 452.45 424.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 486.56 424.10 Td (market ) Tj ET Q q 0 0 0 rg BT 516.78 424.10 Td (with ) Tj ET Q q 0 0 0 rg BT 537.02 424.10 Td (whom ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.03 412.10 Td (have ) Tj ET Q q 0 0 0 rg BT 85.27 412.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 120.41 412.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 173.88 412.10 Td (across ) Tj ET Q q 0 0 0 rg BT 201.24 412.10 Td (various ) Tj ET Q q 0 0 0 rg BT 233.04 412.10 Td (product ) Tj ET Q q 0 0 0 rg BT 265.95 412.10 Td (lines. ) Tj ET Q q 0 0 0 rg BT 289.54 412.10 Td (The ) Tj ET Q q 0 0 0 rg BT 307.45 412.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 338.14 412.10 Td (number ) Tj ET Q q 0 0 0 rg BT 371.06 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 381.75 412.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 405.23 412.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 438.13 412.10 Td (by ) Tj ET Q q 0 0 0 rg BT 450.50 412.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 492.85 412.10 Td (located ) Tj ET Q q 0 0 0 rg BT 524.08 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 534.23 412.10 Td (out-of-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.89 400.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 104.55 400.10 Td (that ) Tj ET Q q 0 0 0 rg BT 122.67 400.10 Td (we ) Tj ET Q q 0 0 0 rg BT 137.45 400.10 Td (have ) Tj ET Q q 0 0 0 rg BT 159.45 400.10 Td (made ) Tj ET Q q 0 0 0 rg BT 184.23 400.10 Td (are ) Tj ET Q q 0 0 0 rg BT 199.56 400.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 239.89 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 250.79 400.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 294.46 400.10 Td (who ) Tj ET Q q 0 0 0 rg BT 314.80 400.10 Td (are ) Tj ET Q q 0 0 0 rg BT 330.13 400.10 Td (well-known ) Tj ET Q q 0 0 0 rg BT 381.03 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.93 400.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 406.22 400.10 Td (These ) Tj ET Q q 0 0 0 rg BT 433.22 400.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 476.89 400.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 515.00 400.10 Td (have ) Tj ET Q q 0 0 0 rg BT 537.00 400.10 Td (strong ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 81.39 388.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 134.99 388.10 Td (with ) Tj ET Q q 0 0 0 rg BT 155.27 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.99 388.10 Td (Bank.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 370.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 80.19 370.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 97.71 370.10 Td (concentrations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.64 370.10 Td (In ) Tj ET Q q 0 0 0 rg BT 177.99 370.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 224.38 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 244.68 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.41 370.10 Td (management ) Tj ET Q q 0 0 0 rg BT 313.02 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.87 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 339.72 370.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 365.00 370.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 405.02 370.10 Td (we ) Tj ET Q q 0 0 0 rg BT 419.20 370.10 Td (actively ) Tj ET Q q 0 0 0 rg BT 453.37 370.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 486.98 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.72 370.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 553.68 370.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.97 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 85.82 358.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 125.95 358.10 Td (including ) Tj ET Q q 0 0 0 rg BT 166.36 358.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 191.76 358.10 Td (concentrations. ) Tj ET Q q 0 0 0 rg BT 255.02 358.10 Td (W) Tj ET Q q 0 0 0 rg BT 263.66 358.10 Td (e ) Tj ET Q q 0 0 0 rg BT 270.73 358.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 305.03 358.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 344.32 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.40 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 381.25 358.10 Td (product ) Tj ET Q q 0 0 0 rg BT 414.43 358.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 475.38 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 488.02 358.10 Td (at ) Tj ET Q q 0 0 0 rg BT 497.87 358.10 Td (least ) Tj ET Q q 0 0 0 rg BT 518.83 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.91 358.10 Td (quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 74.96 346.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 97.97 346.10 Td (product ) Tj ET Q q 0 0 0 rg BT 130.98 346.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 191.75 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 206.42 346.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 245.53 346.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 282.43 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.67 346.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 342.34 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 362.58 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.26 346.10 Td (portfolio) Tj ET Q q 0 0 0 rg BT 415.04 346.10 Td (s ) Tj ET Q q 0 0 0 rg BT 421.39 346.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 446.62 346.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 476.85 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.75 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.43 346.10 Td (business ) Tj ET Q q 0 0 0 rg BT 544.79 346.10 Td (plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.23 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.02 334.10 Td (coming ) Tj ET Q q 0 0 0 rg BT 111.59 334.10 Td (year) Tj ET Q q 0 0 0 rg BT 128.24 334.10 Td (. ) Tj ET Q q 0 0 0 rg BT 132.75 334.10 Td (All ) Tj ET Q q 0 0 0 rg BT 148.10 334.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 208.98 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 223.76 334.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 267.44 334.10 Td (by ) Tj ET Q q 0 0 0 rg BT 280.01 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 295.91 334.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 320.70 334.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 341.61 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.62 334.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 386.19 334.10 Td (Of) Tj ET Q q 0 0 0 rg BT 396.56 334.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 417.45 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.46 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.36 334.10 Td (Directors' ) Tj ET Q q 0 0 0 rg BT 491.94 334.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 515.06 334.10 Td (Committee. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 322.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.29 322.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.39 322.10 Td (also ) Tj ET Q q 0 0 0 rg BT 104.72 322.10 Td (established ) Tj ET Q q 0 0 0 rg BT 151.37 322.10 Td (an ) Tj ET Q q 0 0 0 rg BT 163.02 322.10 Td (informal, ) Tj ET Q q 0 0 0 rg BT 202.18 322.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 234.94 322.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 267.15 322.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 288.26 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.26 322.10 Td (one ) Tj ET Q q 0 0 0 rg BT 314.91 322.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 364.34 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.89 322.10 Td (up ) Tj ET Q q 0 0 0 rg BT 387.11 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.11 322.10 Td (40% ) Tj ET Q q 0 0 0 rg BT 417.66 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.20 322.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 475.96 322.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 504.83 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 521.49 322.10 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.31 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 84.18 310.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 113.23 310.10 Td (if ) Tj ET Q q 0 0 0 rg BT 121.99 310.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 155.18 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 167.83 310.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 217.68 310.10 Td (real ) Tj ET Q q 0 0 0 rg BT 235.32 310.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 262.65 310.10 Td (A) Tj ET Q q 0 0 0 rg BT 269.32 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 271.97 310.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 321.84 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 332.27 310.10 Td (this ) Tj ET Q q 0 0 0 rg BT 349.37 310.10 Td (instance ) Tj ET Q q 0 0 0 rg BT 384.79 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 394.11 310.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 426.75 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 437.73 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 461.49 310.10 Td (made ) Tj ET Q q 0 0 0 rg BT 485.80 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.23 310.10 Td (dif) Tj ET Q q 0 0 0 rg BT 507.16 310.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 533.13 310.10 Td (entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (but ) Tj ET Q q 0 0 0 rg BT 65.20 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 85.40 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 92.25 298.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 120.77 298.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 159.84 298.10 Td (principal\(s\). ) Tj ET Q q 0 0 0 rg BT 210.85 298.10 Td (For ) Tj ET Q q 0 0 0 rg BT 227.17 298.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 270.14 298.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 296.16 298.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 321.37 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 335.99 298.10 Td (set ) Tj ET Q q 0 0 0 rg BT 349.52 298.10 Td (so ) Tj ET Q q 0 0 0 rg BT 360.83 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 371.58 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 386.78 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.98 298.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 427.15 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.79 298.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 479.20 298.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 522.17 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.92 298.10 Td (15% ) 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 (unimpaired ) Tj ET Q q 0 0 0 rg BT 98.56 286.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 128.23 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.68 286.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 189.23 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 203.91 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 224.14 286.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 253.55 286.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 272.12 286.10 Td (top ) Tj ET Q q 0 0 0 rg BT 287.91 286.10 Td (20 ) Tj ET Q q 0 0 0 rg BT 300.93 286.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 345.60 286.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 399.72 286.10 Td (range ) Tj ET Q q 0 0 0 rg BT 424.95 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.74 286.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 474.86 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 497.31 286.10 Td ($16.9million ) 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 ($84.9million ) Tj ET Q q 0 0 0 rg BT 106.39 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.33 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.04 274.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 181.64 274.10 Td (on ) Tj ET Q q 0 0 0 rg BT 194.14 274.10 Td (an ) Tj ET Q q 0 0 0 rg BT 206.08 274.10 Td (on-going ) Tj ET Q q 0 0 0 rg BT 244.69 274.10 Td (basis.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 256.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 93.56 256.10 Td (appr) Tj ET Q q 0 0 0 rg BT 112.08 256.10 Td (oval ) Tj ET Q q 0 0 0 rg BT 132.30 256.10 Td (pr) Tj ET Q q 0 0 0 rg BT 140.82 256.10 Td (ocess.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.98 256.10 Td () Tj ET Q q 0 0 0 rg BT 172.30 256.10 Td (W) Tj ET Q q 0 0 0 rg BT 180.94 256.10 Td (e ) Tj ET Q q 0 0 0 rg BT 188.37 256.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 209.14 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.92 256.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 253.45 256.10 Td (an ) Tj ET Q q 0 0 0 rg BT 265.89 256.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 314.42 256.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 347.95 256.10 Td (between ) Tj ET Q q 0 0 0 rg BT 384.27 256.10 Td (prudent ) Tj ET Q q 0 0 0 rg BT 417.81 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.25 256.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 482.13 256.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 536.79 256.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 256.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (one ) Tj ET Q q 0 0 0 rg BT 66.09 244.10 Td (hand ) Tj ET Q q 0 0 0 rg BT 87.17 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.26 244.10 Td (flexibility ) Tj ET Q q 0 0 0 rg BT 144.35 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 153.77 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 168.75 244.10 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 237.05 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.13 244.10 Td (responsiveness ) Tj ET Q q 0 0 0 rg BT 314.77 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.20 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 339.18 244.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 381.37 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 393.02 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.88 244.10 Td (other ) Tj ET Q q 0 0 0 rg BT 429.08 244.10 Td (hand. ) Tj ET Q q 0 0 0 rg BT 452.67 244.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 469.87 244.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 494.28 244.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 530.91 244.10 Td (policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.94 232.10 Td (a ) Tj ET Q q 0 0 0 rg BT 79.43 232.10 Td (tiered ) Tj ET Q q 0 0 0 rg BT 105.26 232.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 143.30 232.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 178.85 232.10 Td (with ) Tj ET Q q 0 0 0 rg BT 199.69 232.10 Td (lar) Tj ET Q q 0 0 0 rg BT 210.05 232.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 225.88 232.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 268.93 232.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 303.63 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.46 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.74 232.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 353.63 232.10 Td (s ) Tj ET Q q 0 0 0 rg BT 360.58 232.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 394.73 232.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 418.33 232.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 465.83 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.33 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.61 232.10 Td (Directors) Tj ET Q q 0 0 0 rg BT 538.40 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.46 232.10 Td (Loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 99.47 220.10 Td (as ) Tj ET Q q 0 0 0 rg BT 110.33 220.10 Td (appropriate, ) Tj ET Q q 0 0 0 rg BT 160.89 220.10 Td (based ) Tj ET Q q 0 0 0 rg BT 186.18 220.10 Td (on ) Tj ET Q q 0 0 0 rg BT 198.71 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.46 220.10 Td (size ) Tj ET Q q 0 0 0 rg BT 231.53 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.39 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.13 220.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 279.38 220.10 Td (Smaller ) Tj ET Q q 0 0 0 rg BT 313.01 220.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 355.53 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 370.27 220.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 410.00 220.10 Td (under ) Tj ET Q q 0 0 0 rg BT 435.30 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 442.26 220.10 Td (three-signature ) Tj ET Q q 0 0 0 rg BT 504.76 220.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 537.57 220.10 Td (Loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.01 208.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 97.24 208.10 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 142.24 208.10 Td (require ) Tj ET Q q 0 0 0 rg BT 172.78 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.23 208.10 Td (next ) Tj ET Q q 0 0 0 rg BT 206.68 208.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 234.46 208.10 Td (level ) Tj ET Q q 0 0 0 rg BT 256.13 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.69 208.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 303.91 208.10 Td (authority) Tj ET Q q 0 0 0 rg BT 339.37 208.10 Td (, ) Tj ET Q q 0 0 0 rg BT 344.10 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.55 208.10 Td (highest ) Tj ET Q q 0 0 0 rg BT 389.67 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.23 208.10 Td (which ) Tj ET Q q 0 0 0 rg BT 426.90 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 435.80 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.25 208.10 Td (Directors) Tj ET Q q 0 0 0 rg BT 490.05 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.28 208.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 515.06 208.10 Td (Committee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 94.06 196.10 Td (on ) Tj ET Q q 0 0 0 rg BT 106.47 196.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 132.20 196.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 166.93 196.10 Td (These ) Tj ET Q q 0 0 0 rg BT 193.21 196.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 237.83 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 252.45 196.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 302.61 196.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 341.67 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.51 196.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 392.58 196.10 Td (by ) Tj ET Q q 0 0 0 rg BT 404.98 196.10 Td (our ) Tj ET Q q 0 0 0 rg BT 420.72 196.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 447.57 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 458.30 196.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 500.24 196.10 Td (W) Tj ET Q q 0 0 0 rg BT 508.88 196.10 Td (e ) Tj ET Q q 0 0 0 rg BT 515.73 196.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 547.01 196.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 184.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 91.09 184.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 128.58 184.10 Td (process ) Tj ET Q q 0 0 0 rg BT 161.07 184.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 198.01 184.10 Td (for ) Tj ET Q q 0 0 0 rg BT 212.17 184.10 Td (thorough ) Tj ET Q q 0 0 0 rg BT 250.78 184.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 304.93 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.87 184.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.46 184.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 357.50 184.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 393.33 184.10 Td (making.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 166.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 80.19 166.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 97.59 166.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 114.99 166.10 Td (management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.59 166.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 203.48 166.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 220.88 166.10 Td (management ) Tj ET Q q 0 0 0 rg BT 274.38 166.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 310.66 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 317.50 166.10 Td (partnership ) Tj ET Q q 0 0 0 rg BT 364.89 166.10 Td (between ) Tj ET Q q 0 0 0 rg BT 400.61 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 416.34 166.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 465.95 166.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 506.67 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.51 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 539.24 166.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (approval, ) Tj ET Q q 0 0 0 rg BT 92.36 154.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 120.00 154.10 Td (administration, ) Tj ET Q q 0 0 0 rg BT 185.15 154.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 225.02 154.10 Td (management ) Tj ET Q q 0 0 0 rg BT 280.98 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.30 154.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 348.49 154.10 Td (personnel. ) Tj ET Q q 0 0 0 rg BT 394.75 154.10 Td (Portfolio ) Tj ET Q q 0 0 0 rg BT 435.18 154.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 484.50 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.81 154.10 Td (early ) Tj ET Q q 0 0 0 rg BT 528.67 154.10 Td (problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 97.81 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 112.28 142.10 Td (an ) Tj ET Q q 0 0 0 rg BT 123.98 142.10 Td (important ) Tj ET Q q 0 0 0 rg BT 165.12 142.10 Td (aspect ) Tj ET Q q 0 0 0 rg BT 192.37 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.96 142.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 253.00 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 268.59 142.10 Td (high ) Tj ET Q q 0 0 0 rg BT 288.63 142.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 313.66 142.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 343.69 142.10 Td (standards. ) Tj ET Q q 0 0 0 rg BT 386.23 142.10 Td (Past ) Tj ET Q q 0 0 0 rg BT 405.16 142.10 Td (due ) Tj ET Q q 0 0 0 rg BT 421.86 142.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 451.89 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 466.36 142.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 505.27 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 517.53 142.10 Td (an ) Tj ET Q q 0 0 0 rg BT 529.24 142.10 Td (ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 71.34 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.12 130.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 126.77 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.55 130.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 156.11 130.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 191.88 130.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 237.66 130.10 Td (is ) Tj ET Q q 0 0 0 rg BT 245.67 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.79 130.10 Td (place. ) Tj ET Q q 0 0 0 rg BT 279.72 130.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 296.61 130.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 339.60 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.38 130.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 412.26 130.10 Td (program ) Tj ET Q q 0 0 0 rg BT 447.48 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 460.48 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.15 130.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 523.70 130.10 Td (managers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 86.00 118.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 130.90 118.10 Td (goals ) Tj ET Q q 0 0 0 rg BT 154.68 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 172.36 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 186.70 118.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 218.25 118.10 Td (motivate ) Tj ET Q q 0 0 0 rg BT 255.92 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.82 118.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 320.71 118.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 361.70 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.16 118.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 396.50 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 409.18 118.10 Td (high ) Tj ET Q q 0 0 0 rg BT 429.64 118.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 460.09 118.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 485.54 118.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 528.21 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 548.67 118.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 86.37 106.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 110.53 106.10 Td (on ) Tj ET Q q 0 0 0 rg BT 123.03 106.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 144.97 106.10 Td (quality) Tj ET Q q 0 0 0 rg BT 172.09 106.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 88.10 Td (For ) Tj ET Q q 0 0 0 rg BT 87.87 88.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 114.35 88.10 Td (it ) Tj ET Q q 0 0 0 rg BT 123.89 88.10 Td (was ) Tj ET Q q 0 0 0 rg BT 143.42 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 160.73 88.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 189.71 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.47 88.10 Td (review ) Tj ET Q q 0 0 0 rg BT 232.65 88.10 Td (all ) Tj ET Q q 0 0 0 rg BT 246.63 88.10 Td (non-amortizing ) Tj ET Q q 0 0 0 rg BT 312.26 88.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 363.44 88.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 388.53 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.29 88.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 430.37 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.68 88.10 Td ($50thousand ) Tj ET Q q 0 0 0 rg BT 500.26 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.68 88.10 Td (amortizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.10 76.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.10 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.78 76.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 163.78 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.01 76.10 Td ($750 ) Tj ET Q q 0 0 0 rg BT 197.91 76.10 Td (thousand ) Tj ET Q q 0 0 0 rg BT 236.92 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.82 76.10 Td (an ) Tj ET Q q 0 0 0 rg BT 262.15 76.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 291.71 76.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 317.11 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 328.34 76.10 Td (more ) Tj ET Q q 0 0 0 rg BT 351.78 76.10 Td (frequently ) Tj ET Q q 0 0 0 rg BT 395.78 76.10 Td (through ) Tj ET Q q 0 0 0 rg BT 429.79 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.90 76.10 Td (receipt ) Tj ET Q q 0 0 0 rg BT 475.00 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.23 76.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 518.01 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.35 76.10 Td (annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 89.03 64.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 135.30 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.79 64.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 199.50 64.10 Td (base ) Tj ET Q q 0 0 0 rg BT 221.32 64.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 269.23 64.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 314.94 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 328.99 64.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 350.26 64.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 389.30 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.79 64.10 Td (covenants. ) Tj ET Q q 0 0 0 rg BT 454.33 64.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 473.93 64.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 509.08 64.10 Td (require ) Tj ET Q q 0 0 0 rg BT 541.45 64.10 Td (rapid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (notification ) Tj ET Q q 0 0 0 rg BT 100.77 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.77 52.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 167.32 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.43 52.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 219.99 52.10 Td (initiation ) Tj ET Q q 0 0 0 rg BT 260.77 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.77 52.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 317.87 52.10 Td (actions. ) Tj ET Q q 0 0 0 rg BT 353.37 52.10 Td (Relationship ) Tj ET Q q 0 0 0 rg BT 408.59 52.10 Td (managers, ) Tj ET Q q 0 0 0 rg BT 454.08 52.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 493.75 52.10 Td (managers, ) Tj ET Q q 0 0 0 rg BT 539.24 52.10 Td (credit ) 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 (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (administration ) Tj ET Q q 0 0 0 rg BT 109.75 742.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 150.61 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.02 742.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 193.44 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 246.51 742.10 Td (proactively ) Tj ET Q q 0 0 0 rg BT 293.47 742.10 Td (support ) Tj ET Q q 0 0 0 rg BT 325.45 742.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 366.86 742.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 404.94 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.70 742.10 Td (order ) Tj ET Q q 0 0 0 rg BT 437.78 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 447.53 742.10 Td (maximize ) Tj ET Q q 0 0 0 rg BT 488.94 742.10 Td (accountability ) Tj ET Q q 0 0 0 rg BT 547.57 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 730.10 Td (ficiency) Tj ET Q q 0 0 0 rg BT 89.14 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.10 Td (As ) Tj ET Q q 0 0 0 rg BT 83.44 712.10 Td (part ) Tj ET Q q 0 0 0 rg BT 101.31 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.96 712.10 Td (these ) Tj ET Q q 0 0 0 rg BT 134.83 712.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 163.81 712.10 Td (review ) Tj ET Q q 0 0 0 rg BT 193.34 712.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 242.04 712.10 Td (we ) Tj ET Q q 0 0 0 rg BT 256.02 712.10 Td (analyze ) Tj ET Q q 0 0 0 rg BT 288.88 712.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 315.63 712.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 352.93 712.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 397.47 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.12 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.66 712.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 462.18 712.10 Td (property) Tj ET Q q 0 0 0 rg BT 495.41 712.10 Td (, ) Tj ET Q q 0 0 0 rg BT 500.23 712.10 Td (business ) Tj ET Q q 0 0 0 rg BT 536.45 712.10 Td (and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 89.15 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 99.44 700.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 141.92 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.64 700.10 Td (current ) Tj ET Q q 0 0 0 rg BT 187.46 700.10 Td (level ) Tj ET Q q 0 0 0 rg BT 209.40 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.23 700.10 Td (occupancy) Tj ET Q q 0 0 0 rg BT 262.34 700.10 Td (, ) Tj ET Q q 0 0 0 rg BT 267.34 700.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 305.38 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.32 700.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 360.93 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.87 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.15 700.10 Td (investigate ) Tj ET Q q 0 0 0 rg BT 433.98 700.10 Td (any ) Tj ET Q q 0 0 0 rg BT 450.92 700.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 504.51 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.79 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.51 700.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.67 700.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.83 688.10 Td (real ) Tj ET Q q 0 0 0 rg BT 82.43 688.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 107.81 688.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 147.63 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 158.57 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 168.97 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.80 688.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 220.82 688.10 Td () Tj ET Q q 0 0 0 rg BT 223.60 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 230.11 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.06 688.10 Td (company) Tj ET Q q 0 0 0 rg BT 280.49 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 287.00 688.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.59 688.10 Td (condition. ) Tj ET Q q 0 0 0 rg BT 367.48 688.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 392.32 688.10 Td (completion, ) Tj ET Q q 0 0 0 rg BT 442.43 688.10 Td (we ) Tj ET Q q 0 0 0 rg BT 456.70 688.10 Td (update, ) Tj ET Q q 0 0 0 rg BT 488.48 688.10 Td (confirm ) Tj ET Q q 0 0 0 rg BT 522.75 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 533.69 688.10 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.20 676.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 81.19 676.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 106.50 676.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 142.93 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.70 676.10 Td (each ) Tj ET Q q 0 0 0 rg BT 173.00 676.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 194.70 676.10 Td (Relationship ) Tj ET Q q 0 0 0 rg BT 247.24 676.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 287.54 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.97 676.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 340.95 676.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 381.25 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 395.45 676.10 Td (encouraged ) Tj ET Q q 0 0 0 rg BT 443.52 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.29 676.10 Td (bring ) Tj ET Q q 0 0 0 rg BT 476.38 676.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 513.36 676.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 538.11 676.10 Td (issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.52 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.47 664.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 110.20 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.27 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.34 664.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 159.29 664.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 179.37 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.55 664.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 222.28 664.10 Td (Of) Tj ET Q q 0 0 0 rg BT 232.65 664.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 252.71 664.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 304.43 664.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 326.17 664.10 Td (any ) Tj ET Q q 0 0 0 rg BT 342.34 664.10 Td (sign ) Tj ET Q q 0 0 0 rg BT 360.75 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.82 664.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 423.65 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.16 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.12 664.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 499.38 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.45 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.40 664.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 559.50 664.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 652.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.79 652.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 103.49 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.63 652.10 Td (list ) Tj ET Q q 0 0 0 rg BT 125.57 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.61 652.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 160.43 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 178.13 652.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 209.71 652.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 252.41 652.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 290.11 652.10 Td (if ) Tj ET Q q 0 0 0 rg BT 298.93 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 313.30 652.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 344.88 652.10 Td (there ) Tj ET Q q 0 0 0 rg BT 367.57 652.10 Td (may ) Tj ET Q q 0 0 0 rg BT 387.50 652.10 Td (be ) Tj ET Q q 0 0 0 rg BT 399.65 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 406.80 652.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 444.50 652.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 469.97 652.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 487.68 652.10 Td (via ) Tj ET Q q 0 0 0 rg BT 502.61 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 518.45 652.10 Td (W) Tj ET Q q 0 0 0 rg BT 527.09 652.10 Td (atch ) Tj ET Q q 0 0 0 rg BT 546.45 652.10 Td (List ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (report.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 622.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 96.85 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.26 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 128.88 622.10 Td (upgraded ) Tj ET Q q 0 0 0 rg BT 168.50 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 179.25 622.10 Td (downgraded ) Tj ET Q q 0 0 0 rg BT 231.09 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 245.71 622.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 284.77 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 297.18 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 312.92 622.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 337.56 622.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 358.31 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.16 622.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 402.57 622.10 Td (Of) Tj ET Q q 0 0 0 rg BT 412.94 622.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 430.86 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 435.77 622.10 Td (while ) Tj ET Q q 0 0 0 rg BT 460.22 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 468.86 622.10 Td (atch ) Tj ET Q q 0 0 0 rg BT 487.93 622.10 Td (List ) Tj ET Q q 0 0 0 rg BT 505.90 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 529.42 622.10 Td (under) Tj ET Q q 0 0 0 rg BT 552.01 622.10 Td (go ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.29 610.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 89.79 610.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 127.74 610.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 161.81 610.10 Td (prepared ) Tj ET Q q 0 0 0 rg BT 198.64 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 210.49 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.56 610.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 273.63 610.10 Td (manager ) Tj ET Q q 0 0 0 rg BT 309.90 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 320.09 610.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 356.94 610.10 Td (manager ) Tj ET Q q 0 0 0 rg BT 393.21 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.50 610.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 448.00 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 459.86 610.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 515.16 610.10 Td (This ) Tj ET Q q 0 0 0 rg BT 534.80 610.10 Td (review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 85.84 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 97.79 598.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 141.95 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.79 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.52 598.10 Td (market ) Tj ET Q q 0 0 0 rg BT 197.79 598.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 244.47 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.20 598.10 Td (property) Tj ET Q q 0 0 0 rg BT 295.85 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 302.25 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 313.10 598.10 Td (company) Tj ET Q q 0 0 0 rg BT 352.53 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 358.93 598.10 Td (trends, ) Tj ET Q q 0 0 0 rg BT 388.38 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.11 598.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 442.27 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.22 598.10 Td (guarantor ) Tj ET Q q 0 0 0 rg BT 500.05 598.10 Td (status, ) Tj ET Q q 0 0 0 rg BT 527.84 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.57 598.10 Td (level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.94 586.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 98.31 586.10 Td (required ) Tj ET Q q 0 0 0 rg BT 135.24 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.29 586.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 174.12 586.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 206.60 586.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 234.69 586.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 284.59 586.10 Td (, ) Tj ET Q q 0 0 0 rg BT 290.70 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 305.98 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 328.47 586.10 Td (an ) Tj ET Q q 0 0 0 rg BT 341.52 586.10 Td (independent, ) Tj ET Q q 0 0 0 rg BT 396.50 586.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 442.88 586.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 463.71 586.10 Td (review ) Tj ET Q q 0 0 0 rg BT 494.52 586.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 539.78 586.10 Td (semi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (annually) Tj ET Q q 0 0 0 rg BT 83.78 574.10 Td (, ) Tj ET Q q 0 0 0 rg BT 88.90 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 115.96 574.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 151.90 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.73 574.10 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 204.87 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.81 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 231.76 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 251.59 574.10 Td (grades ) Tj ET Q q 0 0 0 rg BT 280.31 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.36 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 313.31 574.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 338.69 574.10 Td (administration ) Tj ET Q q 0 0 0 rg BT 399.07 574.10 Td (functions. ) Tj ET Q q 0 0 0 rg BT 441.41 574.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 469.09 574.10 Td (, ) Tj ET Q q 0 0 0 rg BT 474.21 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 488.49 574.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 523.31 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 535.36 574.10 Td (annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 74.85 562.10 Td (test ) Tj ET Q q 0 0 0 rg BT 91.36 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.32 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 118.28 562.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 168.10 562.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 187.94 562.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 228.07 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.47 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 265.54 562.10 Td (we ) Tj ET Q q 0 0 0 rg BT 279.82 562.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 315.76 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.61 562.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 360.44 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 373.07 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.92 562.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 425.54 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.49 562.10 Td (declining ) Tj ET Q q 0 0 0 rg BT 476.33 562.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 517.83 562.10 Td (conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.21 550.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 115.42 550.10 Td (values ) Tj ET Q q 0 0 0 rg BT 143.41 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.29 550.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 191.60 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 201.82 550.10 Td (net ) Tj ET Q q 0 0 0 rg BT 216.48 550.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 256.68 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 288.56 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 315.43 550.10 Td (may ) Tj ET Q q 0 0 0 rg BT 335.09 550.10 Td (result ) Tj ET Q q 0 0 0 rg BT 359.75 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 381.63 550.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 406.84 550.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 432.04 550.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 455.86 550.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 481.07 550.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 526.26 550.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 547.58 550.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.65 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 109.18 538.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 132.65 538.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 186.95 538.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 220.15 538.10 Td (these ) Tj ET Q q 0 0 0 rg BT 242.80 538.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 272.66 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.20 538.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 324.07 538.10 Td (them ) Tj ET Q q 0 0 0 rg BT 346.16 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.04 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 371.47 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 390.78 538.10 Td (committees. ) Tj ET Q q 0 0 0 rg BT 441.33 538.10 Td (These ) Tj ET Q q 0 0 0 rg BT 467.30 538.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 488.84 538.10 Td (review ) Tj ET Q q 0 0 0 rg BT 518.15 538.10 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 83.05 526.10 Td (management ) Tj ET Q q 0 0 0 rg BT 136.64 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 156.91 526.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 199.40 526.10 Td (information ) Tj ET Q q 0 0 0 rg BT 249.12 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 263.28 526.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 303.00 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 318.83 526.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 340.77 526.10 Td (quality) Tj ET Q q 0 0 0 rg BT 367.89 526.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 99.72 508.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 84.66 490.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 117.35 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 132.27 490.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 177.74 490.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 214.32 490.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 253.12 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 266.37 490.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 301.85 490.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 341.49 490.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 358.63 490.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 404.10 490.10 Td (portfolio) Tj ET Q q 0 0 0 rg BT 441.87 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 447.35 490.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 480.60 490.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 513.84 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 522.10 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.47 490.10 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 88.55 478.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 125.46 478.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 167.35 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.15 478.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 200.60 478.10 Td (any ) Tj ET Q q 0 0 0 rg BT 218.06 478.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 263.83 478.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 295.72 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.52 478.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 342.31 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 359.77 478.10 Td (any ) Tj ET Q q 0 0 0 rg BT 377.23 478.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 424.12 478.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 459.89 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.69 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.92 478.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 506.16 478.10 Td (portfolio. ) 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 (majority ) Tj ET Q q 0 0 0 rg BT 86.13 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.70 466.10 Td (these ) Tj ET Q q 0 0 0 rg BT 119.50 466.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 159.51 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 173.96 466.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 213.97 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 224.55 466.10 Td (available ) Tj ET Q q 0 0 0 rg BT 262.88 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.79 466.10 Td (sale. ) Tj ET Q q 0 0 0 rg BT 296.92 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 314.71 466.10 Td (portfolio) Tj ET Q q 0 0 0 rg BT 352.48 466.10 Td (s ) Tj ET Q q 0 0 0 rg BT 358.62 466.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 401.41 466.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 435.31 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 444.23 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.25 466.10 Td (generate ) Tj ET Q q 0 0 0 rg BT 490.36 466.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 528.14 466.10 Td (earnings ) 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 (provide ) Tj ET Q q 0 0 0 rg BT 92.76 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.42 454.10 Td (contribute ) Tj ET Q q 0 0 0 rg BT 152.18 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.18 454.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 187.72 454.10 Td (income ) Tj ET Q q 0 0 0 rg BT 219.38 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.04 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.03 454.10 Td (generate ) Tj ET Q q 0 0 0 rg BT 282.11 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 288.77 454.10 Td (profitable ) Tj ET Q q 0 0 0 rg BT 329.86 454.10 Td (return ) Tj ET Q q 0 0 0 rg BT 355.96 454.10 Td (while ) Tj ET Q q 0 0 0 rg BT 380.40 454.10 Td (minimizing ) Tj ET Q q 0 0 0 rg BT 428.72 454.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 447.95 454.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 497.85 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 502.57 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 518.12 454.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 87.62 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 107.45 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 119.51 442.10 Td (used ) Tj ET Q q 0 0 0 rg BT 140.46 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.86 442.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 184.03 442.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 222.19 442.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 262.00 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.29 442.10 Td (various ) Tj ET Q q 0 0 0 rg BT 308.34 442.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 352.06 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 363.01 442.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 400.63 442.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 455.45 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.51 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.91 442.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 516.62 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 532.58 442.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 66.69 430.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 85.77 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.41 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 100.55 430.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 126.15 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 135.63 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.77 430.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 171.24 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.28 430.10 Td (high-grade ) Tj ET Q q 0 0 0 rg BT 226.30 430.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 268.27 430.10 Td (including ) Tj ET Q q 0 0 0 rg BT 307.75 430.10 Td (government ) Tj ET Q q 0 0 0 rg BT 357.22 430.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 387.24 430.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 429.21 430.10 Td (government ) Tj ET Q q 0 0 0 rg BT 478.68 430.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 524.25 430.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 80.87 418.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 123.70 418.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 151.81 418.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 174.36 418.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 214.67 418.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 241.12 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 258.12 418.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 300.66 418.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 343.30 418.10 Td (W) Tj ET Q q 0 0 0 rg BT 351.94 418.10 Td (e ) Tj ET Q q 0 0 0 rg BT 358.94 418.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 397.59 418.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 433.46 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.23 418.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 500.23 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.12 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 527.01 418.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.38 406.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 94.64 406.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 118.90 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 138.73 406.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 169.09 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.92 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.19 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 224.67 406.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 241.71 406.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 263.75 406.10 Td (curve. ) Tj ET Q q 0 0 0 rg BT 290.06 406.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 329.89 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 343.60 406.10 Td (may ) Tj ET Q q 0 0 0 rg BT 362.87 406.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 378.81 406.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 424.74 406.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 464.55 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 486.04 406.10 Td (time ) Tj ET Q q 0 0 0 rg BT 505.87 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.69 406.10 Td (time ) Tj ET Q q 0 0 0 rg BT 535.52 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 545.35 406.10 Td (take ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 92.90 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.59 394.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 138.16 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 148.31 394.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 180.10 394.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 197.46 394.10 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 232.31 394.10 Td (it ) Tj ET Q q 0 0 0 rg BT 240.23 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 249.27 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 264.96 394.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 292.32 394.10 Td (not ) Tj ET Q q 0 0 0 rg BT 307.46 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.61 394.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 333.86 394.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 380.10 394.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 420.23 394.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 447.60 394.10 Td (we ) Tj ET Q q 0 0 0 rg BT 461.62 394.10 Td (can ) Tj ET Q q 0 0 0 rg BT 477.86 394.10 Td (reinvest ) Tj ET Q q 0 0 0 rg BT 511.88 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.47 394.10 Td (proceeds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 66.66 382.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 96.93 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 107.76 382.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 135.81 382.10 Td (spread, ) Tj ET Q q 0 0 0 rg BT 166.90 382.10 Td (so ) Tj ET Q q 0 0 0 rg BT 178.30 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 189.13 382.10 Td (not ) Tj ET Q q 0 0 0 rg BT 204.40 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.68 382.10 Td (take ) Tj ET Q q 0 0 0 rg BT 233.84 382.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 257.45 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 267.72 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.44 382.10 Td (detriment ) Tj ET Q q 0 0 0 rg BT 323.26 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.09 382.10 Td (future ) Tj ET Q q 0 0 0 rg BT 360.47 382.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 364.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.47 364.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 133.28 364.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 160.20 364.10 Td (is ) Tj ET Q q 0 0 0 rg BT 168.79 364.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 207.37 364.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 243.72 364.10 Td (by ) Tj ET Q q 0 0 0 rg BT 255.65 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 270.91 364.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 297.27 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.52 364.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 349.16 364.10 Td (Overall ) Tj ET Q q 0 0 0 rg BT 381.07 364.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 426.87 364.10 Td (goals ) Tj ET Q q 0 0 0 rg BT 449.91 364.10 Td (are ) Tj ET Q q 0 0 0 rg BT 464.04 364.10 Td (established ) Tj ET Q q 0 0 0 rg BT 510.40 364.10 Td (by ) Tj ET Q q 0 0 0 rg BT 522.32 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 537.58 364.10 Td (Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.75 352.10 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 100.87 352.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 124.50 352.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 163.13 352.10 Td (Of) Tj ET Q q 0 0 0 rg BT 173.50 352.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 193.23 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.08 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 223.83 352.10 Td (asset/liability ) Tj ET Q q 0 0 0 rg BT 278.57 352.10 Td (management ) Tj ET Q q 0 0 0 rg BT 331.07 352.10 Td (committee, ) Tj ET Q q 0 0 0 rg BT 377.19 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 386.63 352.10 Td (ALCO. ) Tj ET Q q 0 0 0 rg BT 417.76 352.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 434.73 352.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 460.58 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.33 352.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 508.95 352.10 Td (has ) Tj ET Q q 0 0 0 rg BT 523.69 352.10 Td (delegated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.97 340.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 122.17 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.26 340.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 180.46 340.10 Td (our ) Tj ET Q q 0 0 0 rg BT 196.54 340.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 243.18 340.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 282.03 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.96 340.10 Td (ALCO. ) Tj ET Q q 0 0 0 rg BT 324.43 340.10 Td (Day-to-day ) Tj ET Q q 0 0 0 rg BT 372.73 340.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 411.58 340.10 Td (pertaining ) Tj ET Q q 0 0 0 rg BT 454.88 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.41 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.38 340.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 527.02 340.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 328.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 108.30 328.10 Td (within ) Tj ET Q q 0 0 0 rg BT 136.36 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 152.19 328.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 198.56 328.10 Td (department ) Tj ET Q q 0 0 0 rg BT 246.04 328.10 Td (under ) Tj ET Q q 0 0 0 rg BT 271.31 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.03 328.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 334.63 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.46 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 361.29 328.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 386.01 328.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 425.72 328.10 Td (Of) Tj ET Q q 0 0 0 rg BT 436.09 328.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 453.86 328.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 292.10 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 107.71 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 122.63 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 138.67 292.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 173.04 292.10 Td (source ) Tj ET Q q 0 0 0 rg BT 201.85 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.89 292.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 237.82 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.31 292.10 Td (support ) Tj ET Q q 0 0 0 rg BT 281.02 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 297.07 292.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 329.76 292.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 358.11 292.10 Td (W) Tj ET Q q 0 0 0 rg BT 366.75 292.10 Td (e ) Tj ET Q q 0 0 0 rg BT 373.90 292.10 Td (of) Tj ET Q q 0 0 0 rg BT 382.04 292.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 395.85 292.10 Td (traditional ) Tj ET Q q 0 0 0 rg BT 439.66 292.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 484.59 292.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 524.24 292.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (checking, ) Tj ET Q q 0 0 0 rg BT 90.91 280.10 Td (savings, ) Tj ET Q q 0 0 0 rg BT 125.72 280.10 Td (money ) Tj ET Q q 0 0 0 rg BT 155.25 280.10 Td (market ) Tj ET Q q 0 0 0 rg BT 185.32 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.07 280.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 248.24 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.88 280.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 290.08 280.10 Td (with ) Tj ET Q q 0 0 0 rg BT 310.17 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 316.92 280.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 347.00 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.64 280.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 381.33 280.10 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 418.64 280.10 Td (at ) Tj ET Q q 0 0 0 rg BT 428.17 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.70 280.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 466.12 280.10 Td (are ) Tj ET Q q 0 0 0 rg BT 480.64 280.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 512.39 280.10 Td (by ) Tj ET Q q 0 0 0 rg BT 524.70 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.23 280.10 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (up ) Tj ET Q q 0 0 0 rg BT 61.90 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 71.57 268.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 108.46 268.10 Td (limits. ) Tj ET Q q 0 0 0 rg BT 135.50 268.10 Td (W) Tj ET Q q 0 0 0 rg BT 144.14 268.10 Td (e ) Tj ET Q q 0 0 0 rg BT 150.48 268.10 Td (have ) Tj ET Q q 0 0 0 rg BT 171.25 268.10 Td (built ) Tj ET Q q 0 0 0 rg BT 191.48 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.81 268.10 Td (network ) Tj ET Q q 0 0 0 rg BT 232.48 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.70 268.10 Td (twelve ) Tj ET Q q 0 0 0 rg BT 271.26 268.10 Td (deposit-taking ) Tj ET Q q 0 0 0 rg BT 330.36 268.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 359.47 268.10 Td (of) Tj ET Q q 0 0 0 rg BT 367.62 268.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 388.39 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.72 268.10 Td (attracted ) Tj ET Q q 0 0 0 rg BT 441.04 268.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 485.15 268.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 530.91 268.10 Td (account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (business ) Tj ET Q q 0 0 0 rg BT 86.39 256.10 Td (through ) Tj ET Q q 0 0 0 rg BT 120.00 256.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.83 256.10 Td (relationship-based ) Tj ET Q q 0 0 0 rg BT 211.64 256.10 Td (approach.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 70.37 238.10 Td (owed Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 220.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.06 220.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.67 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 120.85 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 127.80 220.10 Td (member ) Tj ET Q q 0 0 0 rg BT 163.07 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.91 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.64 220.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 221.13 220.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 248.08 220.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 271.13 220.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 294.75 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.59 220.10 Td (Boston ) Tj ET Q q 0 0 0 rg BT 336.44 220.10 Td (\(FHLB\), ) Tj ET Q q 0 0 0 rg BT 373.67 220.10 Td (which ) Tj ET Q q 0 0 0 rg BT 400.62 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 409.79 220.10 Td (part ) Tj ET Q q 0 0 0 rg BT 427.85 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.69 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.64 220.10 Td (twelve ) Tj ET Q q 0 0 0 rg BT 474.80 220.10 Td (district ) Tj ET Q q 0 0 0 rg BT 505.08 220.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 537.58 220.10 Td (Home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 73.69 208.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 97.94 208.10 Td (System. ) Tj ET Q q 0 0 0 rg BT 133.03 208.10 Td (Members ) Tj ET Q q 0 0 0 rg BT 173.95 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 189.30 208.10 Td (required ) Tj ET Q q 0 0 0 rg BT 225.76 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.68 208.10 Td (own ) Tj ET Q q 0 0 0 rg BT 257.04 208.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 286.84 208.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 311.09 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.56 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.92 208.10 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 369.13 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.71 208.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 435.41 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 450.76 208.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 507.75 208.10 Td (by ) Tj ET Q q 0 0 0 rg BT 520.90 208.10 Td (qualifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.40 196.10 Td (not ) Tj ET Q q 0 0 0 rg BT 90.25 196.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 131.20 196.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 164.92 196.10 Td (\(principally ) Tj ET Q q 0 0 0 rg BT 213.64 196.10 Td (single ) Tj ET Q q 0 0 0 rg BT 239.60 196.10 Td (family ) Tj ET Q q 0 0 0 rg BT 267.77 196.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 311.49 196.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 351.33 196.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 374.51 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.02 196.10 Td (securities\). ) Tj ET Q q 0 0 0 rg BT 436.53 196.10 Td (The ) Tj ET Q q 0 0 0 rg BT 454.15 196.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 496.77 196.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 528.83 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 196.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.25 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.73 184.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 109.55 184.10 Td (will ) Tj ET Q q 0 0 0 rg BT 127.36 184.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 156.28 184.10 Td (varies ) Tj ET Q q 0 0 0 rg BT 182.41 184.10 Td (from ) Tj ET Q q 0 0 0 rg BT 204.11 184.10 Td (time ) Tj ET Q q 0 0 0 rg BT 224.14 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.18 184.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 256.71 184.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 300.62 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 312.88 184.10 Td (its ) Tj ET Q q 0 0 0 rg BT 324.59 184.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 357.95 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.65 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.12 184.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 421.37 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.96 184.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 475.32 184.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 514.78 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.26 184.10 Td (member ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (can ) Tj ET Q q 0 0 0 rg BT 66.30 172.10 Td (pledge. ) Tj ET Q q 0 0 0 rg BT 97.71 172.10 Td (W) Tj ET Q q 0 0 0 rg BT 106.34 172.10 Td (e ) Tj ET Q q 0 0 0 rg BT 113.21 172.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 140.62 172.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 179.69 172.10 Td (from ) Tj ET Q q 0 0 0 rg BT 201.55 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.19 172.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 244.18 172.10 Td (as ) Tj ET Q q 0 0 0 rg BT 254.93 172.10 Td (part ) Tj ET Q q 0 0 0 rg BT 272.91 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.66 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 299.41 172.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 329.60 172.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 363.14 172.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 397.21 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.42 172.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 429.28 172.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 473.35 172.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 509.67 172.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 534.86 172.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 554.23 172.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 160.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 82.21 160.10 Td (degree, ) Tj ET Q q 0 0 0 rg BT 113.85 160.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 147.45 160.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 179.38 160.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 196.87 160.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 214.37 160.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 244.08 160.10 Td (from ) Tj ET Q q 0 0 0 rg BT 266.02 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.74 160.10 Td (dif) Tj ET Q q 0 0 0 rg BT 291.67 160.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 323.58 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 333.86 160.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 355.80 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.73 160.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 406.34 160.10 Td (maturities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 142.10 Td (On ) Tj ET Q q 0 0 0 rg BT 84.40 142.10 Td (August19, ) Tj ET Q q 0 0 0 rg BT 131.08 142.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 156.38 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.39 142.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.07 142.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 257.51 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.74 142.10 Td (private ) Tj ET Q q 0 0 0 rg BT 295.30 142.10 Td (placement ) Tj ET Q q 0 0 0 rg BT 339.18 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.30 142.10 Td ($25.5million ) Tj ET Q q 0 0 0 rg BT 406.99 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.56 142.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 459.21 142.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 497.55 142.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 530.34 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 142.10 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.02 130.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 122.71 130.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 146.85 130.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 165.43 130.10 Td (Notes\) ) Tj ET Q q 0 0 0 rg BT 204.00 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.81 130.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 245.05 130.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 295.86 130.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 337.28 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 355.86 130.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 382.23 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 397.47 130.10 Td (non-callable ) Tj ET Q q 0 0 0 rg BT 449.92 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.62 130.10 Td (fiveyears, ) Tj ET Q q 0 0 0 rg BT 509.29 130.10 Td (have ) Tj ET Q q 0 0 0 rg BT 531.21 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 538.68 130.10 Td (stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 86.49 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.85 118.10 Td (August15, ) Tj ET Q q 0 0 0 rg BT 143.35 118.10 Td (2025, ) Tj ET Q q 0 0 0 rg BT 168.46 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.50 118.10 Td (bear ) Tj ET Q q 0 0 0 rg BT 205.32 118.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.36 118.10 Td (at ) Tj ET Q q 0 0 0 rg BT 247.18 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 254.23 118.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 292.93 118.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 309.98 118.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 333.13 118.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 350.72 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.66 118.10 Td (5.75% ) Tj ET Q q 0 0 0 rg BT 390.10 118.10 Td (per ) Tj ET Q q 0 0 0 rg BT 405.47 118.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 435.30 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 445.68 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.51 118.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 497.00 118.10 Td (date ) Tj ET Q q 0 0 0 rg BT 516.26 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 527.20 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 118.10 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 98.70 106.10 Td (date ) Tj ET Q q 0 0 0 rg BT 118.51 106.10 Td (\(August ) Tj ET Q q 0 0 0 rg BT 153.88 106.10 Td (2020 ) Tj ET Q q 0 0 0 rg BT 177.04 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.63 106.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 232.22 106.10 Td (thereafter\). ) Tj ET Q q 0 0 0 rg BT 279.27 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 297.98 106.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 324.46 106.10 Td (have ) Tj ET Q q 0 0 0 rg BT 346.49 106.10 Td (been ) Tj ET Q q 0 0 0 rg BT 368.52 106.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 411.66 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.59 106.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 454.07 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.89 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.26 106.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 526.30 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 537.56 106.10 Td (T) Tj ET Q q 0 0 0 rg BT 543.31 106.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 557.01 106.10 Td (2 ) 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 78.48 94.10 Td (under ) Tj ET Q q 0 0 0 rg BT 103.07 94.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 145.99 94.10 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 191.29 94.10 Td (W) Tj ET Q q 0 0 0 rg BT 199.93 94.10 Td (e ) Tj ET Q q 0 0 0 rg BT 206.19 94.10 Td (used ) Tj ET Q q 0 0 0 rg BT 226.35 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.39 94.10 Td (net ) Tj ET Q q 0 0 0 rg BT 254.43 94.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 291.80 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 305.28 94.10 Td (general ) Tj ET Q q 0 0 0 rg BT 336.53 94.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 376.11 94.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 415.99 94.10 Td (which ) Tj ET Q q 0 0 0 rg BT 442.26 94.10 Td (included ) Tj ET Q q 0 0 0 rg BT 478.52 94.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 528.11 94.10 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.43 82.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 107.49 82.10 Td (company) Tj ET Q q 0 0 0 rg BT 143.50 82.10 Td (, ) Tj ET Q q 0 0 0 rg BT 148.50 82.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 189.88 82.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 217.38 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 246.53 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 256.81 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.52 82.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 295.13 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.41 82.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 326.24 82.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 359.27 82.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 382.32 82.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 413.15 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.09 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 445.92 82.10 Td (working ) Tj ET Q q 0 0 0 rg BT 481.75 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 510.90 82.10 Td (needs.) 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 303.50 31.60 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Enterprise Risk Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 724.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.33 724.25 Td (place ) Tj ET Q q 0 0 0 rg BT 108.67 724.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 153.13 724.25 Td (emphasis ) Tj ET Q q 0 0 0 rg BT 192.60 724.25 Td (on ) Tj ET Q q 0 0 0 rg BT 204.85 724.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 222.10 724.25 Td (mitigation ) Tj ET Q q 0 0 0 rg BT 265.46 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 276.04 724.25 Td (an ) Tj ET Q q 0 0 0 rg BT 287.73 724.25 Td (integral ) Tj ET Q q 0 0 0 rg BT 320.52 724.25 Td (component ) Tj ET Q q 0 0 0 rg BT 367.20 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.78 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 393.36 724.25 Td (or) Tj ET Q q 0 0 0 rg BT 401.51 724.25 Td (ganizational ) Tj ET Q q 0 0 0 rg BT 452.63 724.25 Td (culture. ) Tj ET Q q 0 0 0 rg BT 484.98 724.25 Td (W) Tj ET Q q 0 0 0 rg BT 493.62 724.25 Td (e ) Tj ET Q q 0 0 0 rg BT 500.31 724.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 531.43 724.25 Td (that ) Tj ET Q q 0 0 0 rg BT 548.67 724.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (emphasis ) Tj ET Q q 0 0 0 rg BT 89.54 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 101.86 712.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 119.19 712.25 Td (management ) Tj ET Q q 0 0 0 rg BT 172.60 712.25 Td (is ) Tj ET Q q 0 0 0 rg BT 181.59 712.25 Td (manifested ) Tj ET Q q 0 0 0 rg BT 227.79 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 237.89 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 253.54 712.25 Td (historically ) Tj ET Q q 0 0 0 rg BT 300.86 712.25 Td (solid ) Tj ET Q q 0 0 0 rg BT 322.63 712.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 344.39 712.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 374.49 712.25 Td (statistics. ) Tj ET Q q 0 0 0 rg BT 413.75 712.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 434.42 712.25 Td (management ) Tj ET Q q 0 0 0 rg BT 487.83 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 507.93 712.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 538.57 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 548.67 712.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 82.03 700.25 Td (philosophy ) Tj ET Q q 0 0 0 rg BT 128.52 700.25 Td (focuses, ) Tj ET Q q 0 0 0 rg BT 163.04 700.25 Td (among ) Tj ET Q q 0 0 0 rg BT 192.29 700.25 Td (other ) Tj ET Q q 0 0 0 rg BT 214.88 700.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 243.86 700.25 Td (on ) Tj ET Q q 0 0 0 rg BT 255.90 700.25 Td (structuring ) Tj ET Q q 0 0 0 rg BT 301.26 700.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 329.95 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 339.77 700.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 372.35 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 386.04 700.25 Td (multiple ) Tj ET Q q 0 0 0 rg BT 421.41 700.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 453.44 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.80 700.25 Td (repayment, ) Tj ET Q q 0 0 0 rg BT 510.54 700.25 Td (coupled ) Tj ET Q q 0 0 0 rg BT 544.23 700.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 78.41 688.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 133.47 688.25 Td (by ) Tj ET Q q 0 0 0 rg BT 146.87 688.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 198.58 688.25 Td (relationship ) Tj ET Q q 0 0 0 rg BT 249.20 688.25 Td (managers, ) Tj ET Q q 0 0 0 rg BT 293.42 688.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 326.82 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 344.66 688.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 370.83 688.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 427.58 688.25 Td (W) Tj ET Q q 0 0 0 rg BT 436.22 688.25 Td (e ) Tj ET Q q 0 0 0 rg BT 444.06 688.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 479.68 688.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 519.18 688.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 553.68 688.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (criticized ) Tj ET Q q 0 0 0 rg BT 90.33 676.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.57 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 132.15 676.25 Td (criticized ) Tj ET Q q 0 0 0 rg BT 172.48 676.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 195.05 676.25 Td (action ) Tj ET Q q 0 0 0 rg BT 222.62 676.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 246.86 676.25 Td (for ) Tj ET Q q 0 0 0 rg BT 261.65 676.25 Td (those ) Tj ET Q q 0 0 0 rg BT 285.89 676.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 329.57 676.25 Td (who ) Tj ET Q q 0 0 0 rg BT 349.93 676.25 Td (display ) Tj ET Q q 0 0 0 rg BT 381.95 676.25 Td (deteriorating ) Tj ET Q q 0 0 0 rg BT 436.17 676.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 474.28 676.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 519.08 676.25 Td (in ) Tj ET Q q 0 0 0 rg BT 529.99 676.25 Td (order ) Tj ET Q q 0 0 0 rg BT 554.23 676.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 84.16 664.25 Td (those ) Tj ET Q q 0 0 0 rg BT 107.76 664.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 161.36 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.30 664.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 223.56 664.25 Td (corrective ) Tj ET Q q 0 0 0 rg BT 266.03 664.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 305.73 664.25 Td (on ) Tj ET Q q 0 0 0 rg BT 318.22 664.25 Td (a ) Tj ET Q q 0 0 0 rg BT 325.16 664.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 353.20 664.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 375.70 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 385.97 664.25 Td (minimize ) Tj ET Q q 0 0 0 rg BT 426.24 664.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 455.12 664.25 Td (In ) Tj ET Q q 0 0 0 rg BT 465.95 664.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 503.72 664.25 Td (we ) Tj ET Q q 0 0 0 rg BT 517.87 664.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 552.57 664.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 79.00 652.25 Td (stress ) Tj ET Q q 0 0 0 rg BT 103.56 652.25 Td (test ) Tj ET Q q 0 0 0 rg BT 119.79 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.47 652.25 Td (our ) Tj ET Q q 0 0 0 rg BT 146.14 652.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 195.68 652.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 215.24 652.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 255.08 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 265.21 652.25 Td (which ) Tj ET Q q 0 0 0 rg BT 291.99 652.25 Td (we ) Tj ET Q q 0 0 0 rg BT 305.99 652.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 341.65 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 356.21 652.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 385.76 652.25 Td (on ) Tj ET Q q 0 0 0 rg BT 398.11 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.67 652.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 450.00 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.68 652.25 Td (declining ) Tj ET Q q 0 0 0 rg BT 500.23 652.25 Td (property ) Tj ET Q q 0 0 0 rg BT 536.46 652.25 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.87 640.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 92.08 640.25 Td (net ) Tj ET Q q 0 0 0 rg BT 106.73 640.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 146.92 640.25 Td (incomes ) Tj ET Q q 0 0 0 rg BT 182.68 640.25 Td (as ) Tj ET Q q 0 0 0 rg BT 193.45 640.25 Td (a ) Tj ET Q q 0 0 0 rg BT 200.32 640.25 Td (result ) Tj ET Q q 0 0 0 rg BT 224.97 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 235.73 640.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 277.04 640.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 323.64 640.25 Td (including ) Tj ET Q q 0 0 0 rg BT 363.85 640.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 389.05 640.25 Td (rental ) Tj ET Q q 0 0 0 rg BT 414.25 640.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 435.56 640.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.43 640.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 477.63 640.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 522.82 640.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 546.46 640.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (stress ) Tj ET Q q 0 0 0 rg BT 74.38 628.25 Td (test ) Tj ET Q q 0 0 0 rg BT 90.42 628.25 Td (focuses ) Tj ET Q q 0 0 0 rg BT 122.57 628.25 Td (only ) Tj ET Q q 0 0 0 rg BT 142.51 628.25 Td (on ) Tj ET Q q 0 0 0 rg BT 154.67 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.04 628.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 188.97 628.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 209.46 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.05 628.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 265.42 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.91 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.29 628.25 Td (properties ) Tj ET Q q 0 0 0 rg BT 332.43 628.25 Td (or ) Tj ET Q q 0 0 0 rg BT 342.92 628.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 387.30 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.90 628.25 Td (ignores ) Tj ET Q q 0 0 0 rg BT 435.49 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 449.87 628.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 483.11 628.25 Td (, ) Tj ET Q q 0 0 0 rg BT 487.77 628.25 Td (net ) Tj ET Q q 0 0 0 rg BT 502.14 628.25 Td (worth ) Tj ET Q q 0 0 0 rg BT 527.63 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.23 628.25 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 70.83 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 81.66 616.25 Td (any ) Tj ET Q q 0 0 0 rg BT 98.60 616.25 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 143.31 616.25 Td (related ) Tj ET Q q 0 0 0 rg BT 173.01 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.29 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 198.00 616.25 Td (credits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 598.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 598.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.76 598.25 Td (also ) Tj ET Q q 0 0 0 rg BT 104.54 598.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 128.88 598.25 Td (on ) Tj ET Q q 0 0 0 rg BT 141.56 598.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 159.24 598.25 Td (management ) Tj ET Q q 0 0 0 rg BT 213.01 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 223.47 598.25 Td (other ) Tj ET Q q 0 0 0 rg BT 246.70 598.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 269.91 598.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 316.48 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 332.49 598.25 Td (or) Tj ET Q q 0 0 0 rg BT 340.64 598.25 Td (ganization. ) Tj ET Q q 0 0 0 rg BT 387.27 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 405.50 598.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 430.40 598.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 451.42 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.54 598.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 496.21 598.25 Td (Of) Tj ET Q q 0 0 0 rg BT 506.58 598.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 527.58 598.25 Td (oversees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.41 586.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 86.94 586.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 142.34 586.25 Td (function ) Tj ET Q q 0 0 0 rg BT 178.85 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 196.48 586.25 Td (chairs ) Tj ET Q q 0 0 0 rg BT 223.55 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.18 586.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 252.72 586.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 308.11 586.25 Td (Steering ) Tj ET Q q 0 0 0 rg BT 344.63 586.25 Td (Committee. ) Tj ET Q q 0 0 0 rg BT 394.53 586.25 Td (W) Tj ET Q q 0 0 0 rg BT 403.17 586.25 Td (e ) Tj ET Q q 0 0 0 rg BT 410.80 586.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 450.08 586.25 Td (outsource ) Tj ET Q q 0 0 0 rg BT 492.15 586.25 Td (our ) Tj ET Q q 0 0 0 rg BT 508.68 586.25 Td (asset/liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (calculations ) Tj ET Q q 0 0 0 rg BT 99.99 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 110.01 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 116.68 574.25 Td (reputable ) Tj ET Q q 0 0 0 rg BT 156.12 574.25 Td (third ) Tj ET Q q 0 0 0 rg BT 177.24 574.25 Td (party) Tj ET Q q 0 0 0 rg BT 197.14 574.25 Td (, ) Tj ET Q q 0 0 0 rg BT 201.87 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 218.55 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 230.78 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 237.46 574.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 275.79 574.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 300.52 574.25 Td (that ) Tj ET Q q 0 0 0 rg BT 317.75 574.25 Td (third ) Tj ET Q q 0 0 0 rg BT 338.87 574.25 Td (party ) Tj ET Q q 0 0 0 rg BT 361.66 574.25 Td (runs ) Tj ET Q q 0 0 0 rg BT 381.11 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 395.57 574.25 Td (full ) Tj ET Q q 0 0 0 rg BT 411.69 574.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 443.36 574.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 460.58 574.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 477.81 574.25 Td (model. ) Tj ET Q q 0 0 0 rg BT 507.54 574.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 539.23 574.25 Td (of ) 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 (model ) Tj ET Q q 0 0 0 rg BT 77.50 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 92.20 562.25 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 131.35 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 148.29 562.25 Td (validated ) Tj ET Q q 0 0 0 rg BT 187.44 562.25 Td (by ) Tj ET Q q 0 0 0 rg BT 199.94 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 215.21 562.25 Td (ALCO.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (Supervision and Regulation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 508.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.00 508.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.57 508.25 Td (is ) Tj ET Q q 0 0 0 rg BT 120.70 508.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 151.48 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 161.72 508.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 201.94 508.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 244.94 508.25 Td (by ) Tj ET Q q 0 0 0 rg BT 257.39 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 272.07 508.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 322.85 508.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 372.51 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.29 508.25 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 422.14 508.25 Td (as ) Tj ET Q q 0 0 0 rg BT 432.93 508.25 Td (its ) Tj ET Q q 0 0 0 rg BT 444.83 508.25 Td (chartering ) Tj ET Q q 0 0 0 rg BT 487.82 508.25 Td (agency) Tj ET Q q 0 0 0 rg BT 515.49 508.25 Td (, ) Tj ET Q q 0 0 0 rg BT 520.44 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 537.34 508.25 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 508.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 77.92 496.25 Td (as ) Tj ET Q q 0 0 0 rg BT 88.90 496.25 Td (its ) Tj ET Q q 0 0 0 rg BT 100.99 496.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 132.51 496.25 Td (insurer) Tj ET Q q 0 0 0 rg BT 159.73 496.25 Td (. ) Tj ET Q q 0 0 0 rg BT 164.68 496.25 Td (The ) Tj ET Q q 0 0 0 rg BT 182.87 496.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 206.76 496.25 Td (s ) Tj ET Q q 0 0 0 rg BT 213.29 496.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 248.71 496.25 Td (are ) Tj ET Q q 0 0 0 rg BT 263.56 496.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 295.64 496.25 Td (up ) Tj ET Q q 0 0 0 rg BT 308.28 496.25 Td (to ) Tj ET Q q 0 0 0 rg BT 318.70 496.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.43 496.25 Td (limits ) Tj ET Q q 0 0 0 rg BT 387.86 496.25 Td (by ) Tj ET Q q 0 0 0 rg BT 400.50 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.36 496.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 440.78 496.25 Td (through ) Tj ET Q q 0 0 0 rg BT 474.53 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 489.39 496.25 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 523.14 496.25 Td (Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (Fund. ) Tj ET Q q 0 0 0 rg BT 75.76 484.25 Td (The ) Tj ET Q q 0 0 0 rg BT 94.23 484.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 118.25 484.25 Td (is ) Tj ET Q q 0 0 0 rg BT 127.83 484.25 Td (required ) Tj ET Q q 0 0 0 rg BT 164.06 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 174.75 484.25 Td (file ) Tj ET Q q 0 0 0 rg BT 190.99 484.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 221.68 484.25 Td (with, ) Tj ET Q q 0 0 0 rg BT 244.87 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.22 484.25 Td (is ) Tj ET Q q 0 0 0 rg BT 271.80 484.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 322.48 484.25 Td (examined ) Tj ET Q q 0 0 0 rg BT 364.26 484.25 Td (by) Tj ET Q q 0 0 0 rg BT 373.61 484.25 Td (, ) Tj ET Q q 0 0 0 rg BT 379.03 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.16 484.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 419.86 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 437.21 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 452.34 484.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 503.57 484.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 553.69 484.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 87.60 472.25 Td (concerning ) Tj ET Q q 0 0 0 rg BT 135.73 472.25 Td (its ) Tj ET Q q 0 0 0 rg BT 148.89 472.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 188.70 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.85 472.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 245.54 472.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 287.02 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.17 472.25 Td (must ) Tj ET Q q 0 0 0 rg BT 328.33 472.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 357.03 472.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 401.83 472.25 Td (approvals ) Tj ET Q q 0 0 0 rg BT 444.42 472.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.57 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 479.06 472.25 Td (entering ) Tj ET Q q 0 0 0 rg BT 515.53 472.25 Td (into ) Tj ET Q q 0 0 0 rg BT 534.80 472.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 102.76 460.25 Td (such ) Tj ET Q q 0 0 0 rg BT 123.59 460.25 Td (as ) Tj ET Q q 0 0 0 rg BT 134.42 460.25 Td (mer) Tj ET Q q 0 0 0 rg BT 149.79 460.25 Td (gers ) Tj ET Q q 0 0 0 rg BT 168.95 460.25 Td (with, ) Tj ET Q q 0 0 0 rg BT 191.73 460.25 Td (or ) Tj ET Q q 0 0 0 rg BT 202.56 460.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 252.83 460.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 266.16 460.25 Td (other ) Tj ET Q q 0 0 0 rg BT 289.21 460.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 326.69 460.25 Td (institutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 442.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.45 442.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 121.01 442.25 Td (goals ) Tj ET Q q 0 0 0 rg BT 144.02 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.25 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.37 442.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 189.71 442.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 232.70 442.25 Td (system ) Tj ET Q q 0 0 0 rg BT 262.38 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 276.49 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 286.17 442.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 323.06 442.25 Td (a ) Tj ET Q q 0 0 0 rg BT 329.40 442.25 Td (safe ) Tj ET Q q 0 0 0 rg BT 347.40 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 363.75 442.25 Td (sound ) Tj ET Q q 0 0 0 rg BT 389.54 442.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 423.66 442.25 Td (system ) Tj ET Q q 0 0 0 rg BT 453.34 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.68 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 479.36 442.25 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 516.24 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.35 442.25 Td (conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.35 430.25 Td (sound ) Tj ET Q q 0 0 0 rg BT 86.27 430.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 126.06 430.25 Td (policy) Tj ET Q q 0 0 0 rg BT 150.40 430.25 Td (. ) Tj ET Q q 0 0 0 rg BT 154.78 430.25 Td (This ) Tj ET Q q 0 0 0 rg BT 174.58 430.25 Td (system ) Tj ET Q q 0 0 0 rg BT 204.38 430.25 Td (is ) Tj ET Q q 0 0 0 rg BT 213.08 430.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 249.54 430.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 288.77 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 302.46 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.70 430.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 359.26 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 369.62 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.86 430.25 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 416.99 430.25 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 457.88 430.25 Td (Fund ) Tj ET Q q 0 0 0 rg BT 480.47 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 496.93 430.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 518.39 430.25 Td (depositors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 76.23 418.25 Td (than ) Tj ET Q q 0 0 0 rg BT 96.35 418.25 Td (our ) Tj ET Q q 0 0 0 rg BT 112.59 418.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 166.04 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.39 418.25 Td (creditors. ) Tj ET Q q 0 0 0 rg BT 223.57 418.25 Td (The ) Tj ET Q q 0 0 0 rg BT 242.03 418.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 277.16 418.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 314.49 418.25 Td (have ) Tj ET Q q 0 0 0 rg BT 336.28 418.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 361.96 418.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 414.84 418.25 Td (power ) Tj ET Q q 0 0 0 rg BT 442.74 418.25 Td (over ) Tj ET Q q 0 0 0 rg BT 463.42 418.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 485.77 418.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 519.23 418.25 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.75 406.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 96.89 406.25 Td (including ) Tj ET Q q 0 0 0 rg BT 137.98 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 153.51 406.25 Td (authority) Tj ET Q q 0 0 0 rg BT 188.96 406.25 Td (, ) Tj ET Q q 0 0 0 rg BT 194.78 406.25 Td (among ) Tj ET Q q 0 0 0 rg BT 225.31 406.25 Td (other ) Tj ET Q q 0 0 0 rg BT 249.17 406.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 279.43 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 290.52 406.25 Td (enjoin ) Tj ET Q q 0 0 0 rg BT 318.83 406.25 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 352.68 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 364.32 406.25 Td (unsound ) Tj ET Q q 0 0 0 rg BT 405.96 406.25 Td (practices, ) Tj ET Q q 0 0 0 rg BT 447.31 406.25 Td (require ) Tj ET Q q 0 0 0 rg BT 478.94 406.25 Td (af) Tj ET Q q 0 0 0 rg BT 486.53 406.25 Td (firmative ) Tj ET Q q 0 0 0 rg BT 526.49 406.25 Td (action ) Tj ET Q q 0 0 0 rg BT 554.24 406.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (correct ) Tj ET Q q 0 0 0 rg BT 80.24 394.25 Td (any ) Tj ET Q q 0 0 0 rg BT 97.16 394.25 Td (violation ) Tj ET Q q 0 0 0 rg BT 135.20 394.25 Td (or ) Tj ET Q q 0 0 0 rg BT 146.01 394.25 Td (practice, ) Tj ET Q q 0 0 0 rg BT 182.64 394.25 Td (issue ) Tj ET Q q 0 0 0 rg BT 205.12 394.25 Td (administrative ) Tj ET Q q 0 0 0 rg BT 264.81 394.25 Td (orders ) Tj ET Q q 0 0 0 rg BT 292.29 394.25 Td (that ) Tj ET Q q 0 0 0 rg BT 309.77 394.25 Td (can ) Tj ET Q q 0 0 0 rg BT 326.13 394.25 Td (be ) Tj ET Q q 0 0 0 rg BT 338.05 394.25 Td (judicially ) Tj ET Q q 0 0 0 rg BT 378.30 394.25 Td (enforced, ) Tj ET Q q 0 0 0 rg BT 418.26 394.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 443.51 394.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 482.64 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 492.90 394.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 524.54 394.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 549.79 394.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 67.61 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 78.00 382.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 127.28 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 137.68 382.25 Td (other ) Tj ET Q q 0 0 0 rg BT 160.29 382.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 188.18 382.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 209.13 382.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 250.08 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 266.58 382.25 Td (distributions, ) Tj ET Q q 0 0 0 rg BT 321.15 382.25 Td (restrict ) Tj ET Q q 0 0 0 rg BT 350.98 382.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 383.87 382.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 410.38 382.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 430.21 382.25 Td (money ) Tj ET Q q 0 0 0 rg BT 459.49 382.25 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 499.60 382.25 Td (remove ) Tj ET Q q 0 0 0 rg BT 531.65 382.25 Td (of) Tj ET Q q 0 0 0 rg BT 539.80 382.25 Td (ficers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.25 370.25 Td (directors, ) Tj ET Q q 0 0 0 rg BT 107.54 370.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 127.28 370.25 Td (with ) Tj ET Q q 0 0 0 rg BT 147.87 370.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 178.99 370.25 Td (to ) Tj ET Q q 0 0 0 rg BT 189.57 370.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 218.21 370.25 Td (terminate ) Tj ET Q q 0 0 0 rg BT 258.78 370.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 290.47 370.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 331.59 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 342.73 370.25 Td (place ) Tj ET Q q 0 0 0 rg BT 366.63 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.65 370.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 403.90 370.25 Td (into ) Tj ET Q q 0 0 0 rg BT 422.26 370.25 Td (conservatorship ) Tj ET Q q 0 0 0 rg BT 488.38 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 499.52 370.25 Td (receivership. ) Tj ET Q q 0 0 0 rg BT 553.69 370.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (general, ) Tj ET Q q 0 0 0 rg BT 84.42 358.25 Td (these ) Tj ET Q q 0 0 0 rg BT 107.47 358.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 159.94 358.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 190.77 358.25 Td (may ) Tj ET Q q 0 0 0 rg BT 210.48 358.25 Td (be ) Tj ET Q q 0 0 0 rg BT 222.42 358.25 Td (initiated ) Tj ET Q q 0 0 0 rg BT 257.69 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 271.85 358.25 Td (violations ) Tj ET Q q 0 0 0 rg BT 313.79 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 324.62 358.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 345.45 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 362.39 358.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 409.33 358.25 Td (or ) Tj ET Q q 0 0 0 rg BT 420.16 358.25 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 448.75 358.25 Td (or ) Tj ET Q q 0 0 0 rg BT 459.58 358.25 Td (unsound ) Tj ET Q q 0 0 0 rg BT 495.98 358.25 Td (practices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.91 340.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.16 340.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 173.19 340.25 Td (is ) Tj ET Q q 0 0 0 rg BT 182.23 340.25 Td (a ) Tj ET Q q 0 0 0 rg BT 189.03 340.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 228.61 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.30 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.88 340.25 Td (material ) Tj ET Q q 0 0 0 rg BT 289.00 340.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 312.20 340.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 334.00 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 350.80 340.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 397.60 340.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 441.05 340.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.19 340.25 Td (our ) Tj ET Q q 0 0 0 rg BT 466.88 340.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 513.40 340.25 Td (but ) Tj ET Q q 0 0 0 rg BT 528.54 340.25 Td (does ) Tj ET Q q 0 0 0 rg BT 549.24 340.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (purport ) Tj ET Q q 0 0 0 rg BT 82.47 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 93.29 328.25 Td (be ) Tj ET Q q 0 0 0 rg BT 105.76 328.25 Td (a ) Tj ET Q q 0 0 0 rg BT 113.23 328.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 152.92 328.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 193.17 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 204.53 328.25 Td (all ) Tj ET Q q 0 0 0 rg BT 217.56 328.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 261.69 328.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 285.55 328.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 308.02 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 325.50 328.25 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 375.25 328.25 Td (These ) Tj ET Q q 0 0 0 rg BT 402.16 328.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 426.02 328.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 448.50 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 465.97 328.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 513.44 328.25 Td (may ) Tj ET Q q 0 0 0 rg BT 533.69 328.25 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.76 316.25 Td (time ) Tj ET Q q 0 0 0 rg BT 91.86 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 101.96 316.25 Td (time ) Tj ET Q q 0 0 0 rg BT 122.06 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.82 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 153.36 316.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 196.78 316.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 233.52 316.25 Td (often ) Tj ET Q q 0 0 0 rg BT 256.39 316.25 Td (have ) Tj ET Q q 0 0 0 rg BT 277.59 316.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 302.68 316.25 Td (discretion ) Tj ET Q q 0 0 0 rg BT 344.44 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 354.54 316.25 Td (interpreting ) Tj ET Q q 0 0 0 rg BT 403.52 316.25 Td (them. ) Tj ET Q q 0 0 0 rg BT 427.82 316.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 447.37 316.25 Td (change ) Tj ET Q q 0 0 0 rg BT 478.01 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 488.11 316.25 Td (such ) Tj ET Q q 0 0 0 rg BT 508.76 316.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 531.91 316.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 553.68 316.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 99.71 304.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 134.69 304.25 Td (by ) Tj ET Q q 0 0 0 rg BT 147.47 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 162.46 304.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 213.55 304.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 263.53 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 274.63 304.25 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 313.80 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.79 304.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 354.35 304.25 Td (or ) Tj ET Q q 0 0 0 rg BT 365.45 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.44 304.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 413.20 304.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 448.18 304.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 475.40 304.25 Td (could ) Tj ET Q q 0 0 0 rg BT 500.39 304.25 Td (have ) Tj ET Q q 0 0 0 rg BT 522.04 304.25 Td (a ) Tj ET Q q 0 0 0 rg BT 529.25 304.25 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.44 292.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 113.56 292.25 Td (on ) Tj ET Q q 0 0 0 rg BT 126.46 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.59 292.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 179.47 292.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 214.03 292.25 Td (in ) Tj ET Q q 0 0 0 rg BT 224.72 292.25 Td (general, ) Tj ET Q q 0 0 0 rg BT 259.55 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 276.89 292.25 Td (our ) Tj ET Q q 0 0 0 rg BT 293.13 292.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 337.69 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 355.03 292.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 396.53 292.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 434.42 292.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 477.60 292.25 Td (results ) Tj ET Q q 0 0 0 rg BT 506.61 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.85 292.25 Td (operations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.83 280.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 104.44 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 121.38 280.25 Td (future ) Tj ET Q q 0 0 0 rg BT 147.75 280.25 Td (prospects ) Tj ET Q q 0 0 0 rg BT 188.02 280.25 Td (specifically) Tj ET Q q 0 0 0 rg BT 233.46 280.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 105.66 262.25 Td (W) Tj ET Q q 0 0 0 rg BT 115.11 262.25 Td (all Str) Tj ET Q q 0 0 0 rg BT 141.32 262.25 Td (eet Reform and Consumer) Tj ET Q q 0 0 0 rg BT 254.17 262.25 Td ( Pr) Tj ET Q q 0 0 0 rg BT 267.04 262.25 Td (otection ) Tj ET Q q 0 0 0 rg BT 302.86 262.25 Td (Act) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 244.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.97 244.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 138.74 244.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 155.60 244.25 Td (has ) Tj ET Q q 0 0 0 rg BT 171.36 244.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 223.77 244.25 Td (changed ) Tj ET Q q 0 0 0 rg BT 259.51 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.15 244.25 Td (current ) Tj ET Q q 0 0 0 rg BT 304.89 244.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 326.76 244.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 370.28 244.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 407.69 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 424.55 244.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 465.30 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 475.50 244.25 Td (af) Tj ET Q q 0 0 0 rg BT 483.09 244.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 500.50 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 515.14 244.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 547.56 244.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.38 232.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 134.98 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.92 232.25 Td (general ) Tj ET Q q 0 0 0 rg BT 183.84 232.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 228.00 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 238.83 232.25 Td (depository ) Tj ET Q q 0 0 0 rg BT 283.54 232.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 330.50 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 347.44 232.25 Td (their ) Tj ET Q q 0 0 0 rg BT 368.26 232.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 401.32 232.25 Td (companies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 214.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.70 214.25 Td (current ) Tj ET Q q 0 0 0 rg BT 118.17 214.25 Td (United ) Tj ET Q q 0 0 0 rg BT 147.54 214.25 Td (States ) Tj ET Q q 0 0 0 rg BT 173.58 214.25 Td (government ) Tj ET Q q 0 0 0 rg BT 223.50 214.25 Td (administration ) Tj ET Q q 0 0 0 rg BT 283.43 214.25 Td (has ) Tj ET Q q 0 0 0 rg BT 298.91 214.25 Td (announced ) Tj ET Q q 0 0 0 rg BT 344.38 214.25 Td (that ) Tj ET Q q 0 0 0 rg BT 361.53 214.25 Td (it ) Tj ET Q q 0 0 0 rg BT 369.24 214.25 Td (intends ) Tj ET Q q 0 0 0 rg BT 400.28 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 410.22 214.25 Td (slow ) Tj ET Q q 0 0 0 rg BT 431.26 214.25 Td (down ) Tj ET Q q 0 0 0 rg BT 455.64 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 470.01 214.25 Td (adoption ) Tj ET Q q 0 0 0 rg BT 507.16 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.65 214.25 Td (new ) Tj ET Q q 0 0 0 rg BT 536.46 214.25 Td (Dodd-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (Frank ) Tj ET Q q 0 0 0 rg BT 75.54 202.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 92.81 202.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 140.08 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.35 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 167.96 202.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 204.67 202.25 Td (proposing ) Tj ET Q q 0 0 0 rg BT 247.50 202.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 282.55 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 293.16 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 308.21 202.25 Td (legislation. ) Tj ET Q q 0 0 0 rg BT 355.00 202.25 Td (The ) Tj ET Q q 0 0 0 rg BT 373.38 202.25 Td (following ) Tj ET Q q 0 0 0 rg BT 415.10 202.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 455.15 202.25 Td (assumes ) Tj ET Q q 0 0 0 rg BT 491.31 202.25 Td (no ) Tj ET Q q 0 0 0 rg BT 504.14 202.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 539.18 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 202.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 100.42 190.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 116.84 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 133.25 190.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 179.66 190.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 213.29 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 223.05 190.25 Td (date, ) Tj ET Q q 0 0 0 rg BT 244.18 190.25 Td (other ) Tj ET Q q 0 0 0 rg BT 266.70 190.25 Td (than ) Tj ET Q q 0 0 0 rg BT 285.90 190.25 Td (as ) Tj ET Q q 0 0 0 rg BT 296.20 190.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 320.40 190.25 Td (below ) Tj ET Q q 0 0 0 rg BT 346.81 190.25 Td (in ) Tj ET Q q 0 0 0 rg BT 356.57 190.25 Td (our ) Tj ET Q q 0 0 0 rg BT 371.87 190.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 415.52 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.83 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.02 190.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 482.54 190.25 Td (Growth, ) Tj ET Q q 0 0 0 rg BT 517.57 190.25 Td (Regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (Relief, ) Tj ET Q q 0 0 0 rg BT 79.43 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 96.37 178.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 139.98 178.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 183.03 178.25 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 160.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.55 160.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 139.77 160.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 157.21 160.25 Td (created ) Tj ET Q q 0 0 0 rg BT 189.08 160.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.30 160.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 248.41 160.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 288.62 160.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 332.73 160.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 364.61 160.25 Td (with ) Tj ET Q q 0 0 0 rg BT 385.39 160.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 426.16 160.25 Td (powers ) Tj ET Q q 0 0 0 rg BT 458.04 160.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.82 160.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 514.60 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.04 160.25 Td (enforce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 90.37 148.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 132.40 148.25 Td (laws. ) Tj ET Q q 0 0 0 rg BT 154.61 148.25 Td (The ) Tj ET Q q 0 0 0 rg BT 171.65 148.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 214.24 148.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 252.94 148.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 295.54 148.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 325.90 148.25 Td (has ) Tj ET Q q 0 0 0 rg BT 340.72 148.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 364.98 148.25 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 412.01 148.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 449.60 148.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.75 148.25 Td (a ) Tj ET Q q 0 0 0 rg BT 468.68 148.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 489.61 148.25 Td (range ) Tj ET Q q 0 0 0 rg BT 513.31 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 523.13 148.25 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 93.26 136.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 114.30 136.25 Td (that ) Tj ET Q q 0 0 0 rg BT 132.02 136.25 Td (apply ) Tj ET Q q 0 0 0 rg BT 156.95 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 167.44 136.25 Td (all ) Tj ET Q q 0 0 0 rg BT 180.16 136.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 206.20 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.36 136.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 256.07 136.25 Td (associations ) Tj ET Q q 0 0 0 rg BT 307.11 136.25 Td (including, ) Tj ET Q q 0 0 0 rg BT 350.10 136.25 Td (among ) Tj ET Q q 0 0 0 rg BT 380.04 136.25 Td (other ) Tj ET Q q 0 0 0 rg BT 403.30 136.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 432.96 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.90 136.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 486.72 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 497.21 136.25 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 531.59 136.25 Td (unfair) Tj ET Q q 0 0 0 rg BT 559.51 136.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 90.67 124.25 Td (or ) Tj ET Q q 0 0 0 rg BT 101.36 124.25 Td (abusive ) Tj ET Q q 0 0 0 rg BT 138.71 124.25 Td (acts ) Tj ET Q q 0 0 0 rg BT 156.62 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 173.42 124.25 Td (practices. ) Tj ET Q q 0 0 0 rg BT 213.64 124.25 Td (The ) Tj ET Q q 0 0 0 rg BT 231.55 124.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 275.02 124.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 314.59 124.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 358.05 124.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 389.29 124.25 Td (has ) Tj ET Q q 0 0 0 rg BT 404.98 124.25 Td (examination ) Tj ET Q q 0 0 0 rg BT 456.77 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.57 124.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 525.90 124.25 Td (authority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (over ) Tj ET Q q 0 0 0 rg BT 70.43 112.25 Td (all ) Tj ET Q q 0 0 0 rg BT 83.09 112.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 109.08 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.18 112.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 158.84 112.25 Td (associations ) Tj ET Q q 0 0 0 rg BT 209.82 112.25 Td (with ) Tj ET Q q 0 0 0 rg BT 230.26 112.25 Td (more ) Tj ET Q q 0 0 0 rg BT 253.47 112.25 Td (than ) Tj ET Q q 0 0 0 rg BT 273.35 112.25 Td ($10billion ) Tj ET Q q 0 0 0 rg BT 319.62 112.25 Td (in ) Tj ET Q q 0 0 0 rg BT 330.06 112.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 358.55 112.25 Td (Banks ) Tj ET Q q 0 0 0 rg BT 386.22 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.32 112.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 435.98 112.25 Td (associations ) Tj ET Q q 0 0 0 rg BT 486.96 112.25 Td (with ) Tj ET Q q 0 0 0 rg BT 507.40 112.25 Td ($10billion ) Tj ET Q q 0 0 0 rg BT 553.68 112.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (less ) Tj ET Q q 0 0 0 rg BT 66.55 100.25 Td (in ) Tj ET Q q 0 0 0 rg BT 75.88 100.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 100.77 100.25 Td (will ) Tj ET Q q 0 0 0 rg BT 117.88 100.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 153.86 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 163.19 100.25 Td (be ) Tj ET Q q 0 0 0 rg BT 174.18 100.25 Td (examined ) Tj ET Q q 0 0 0 rg BT 214.61 100.25 Td (for ) Tj ET Q q 0 0 0 rg BT 227.82 100.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 275.46 100.25 Td (with ) Tj ET Q q 0 0 0 rg BT 294.79 100.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 324.10 100.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 364.53 100.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 406.63 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.62 100.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 438.05 100.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 469.59 100.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 489.48 100.25 Td (by ) Tj ET Q q 0 0 0 rg BT 501.03 100.25 Td (their ) Tj ET Q q 0 0 0 rg BT 520.91 100.25 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 83.47 88.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 113.03 88.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 134.28 88.25 Td (regulators. ) Tj ET Q q 0 0 0 rg BT 178.45 88.25 Td (The ) Tj ET Q q 0 0 0 rg BT 195.81 88.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 246.10 88.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 262.35 88.25 Td (also ) Tj ET Q q 0 0 0 rg BT 280.27 88.25 Td (weakens ) Tj ET Q q 0 0 0 rg BT 316.51 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.54 88.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 360.10 88.25 Td (preemption ) Tj ET Q q 0 0 0 rg BT 407.46 88.25 Td (available ) Tj ET Q q 0 0 0 rg BT 445.36 88.25 Td (for ) Tj ET Q q 0 0 0 rg BT 458.83 88.25 Td (national ) Tj ET Q q 0 0 0 rg BT 492.85 88.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 517.99 88.25 Td (and ) Tj ET Q q 0 0 0 rg BT 534.24 88.25 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 82.50 76.25 Td (associations ) Tj ET Q q 0 0 0 rg BT 133.33 76.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.26 76.25 Td (gives ) Tj ET Q q 0 0 0 rg BT 173.87 76.25 Td (state ) Tj ET Q q 0 0 0 rg BT 194.70 76.25 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 233.85 76.25 Td (general ) Tj ET Q q 0 0 0 rg BT 265.78 76.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 295.48 76.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 334.08 76.25 Td (to ) Tj ET Q q 0 0 0 rg BT 344.36 76.25 Td (enforce ) Tj ET Q q 0 0 0 rg BT 376.84 76.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 420.42 76.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 450.68 76.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 492.06 76.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 535.10 76.25 Td (laws.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 58.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.96 58.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 138.73 58.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 155.58 58.25 Td (made ) Tj ET Q q 0 0 0 rg BT 179.66 58.25 Td (many ) Tj ET Q q 0 0 0 rg BT 204.29 58.25 Td (other ) Tj ET Q q 0 0 0 rg BT 227.25 58.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 261.88 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 272.07 58.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 306.71 58.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 353.56 58.25 Td (including ) Tj ET Q q 0 0 0 rg BT 393.75 58.25 Td (authorizing ) Tj ET Q q 0 0 0 rg BT 441.71 58.25 Td (depository ) Tj ET Q q 0 0 0 rg BT 486.34 58.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 535.71 58.25 Td (for ) Tj ET Q q 0 0 0 rg BT 549.79 58.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (first ) Tj ET Q q 0 0 0 rg BT 69.02 46.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 92.21 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 102.90 46.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 120.25 46.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 152.60 46.25 Td (on ) Tj ET Q q 0 0 0 rg BT 165.52 46.25 Td (business ) Tj ET Q q 0 0 0 rg BT 202.32 46.25 Td (checking ) Tj ET Q q 0 0 0 rg BT 241.33 46.25 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 281.73 46.25 Td (requiring ) Tj ET Q q 0 0 0 rg BT 321.30 46.25 Td (originators ) Tj ET Q q 0 0 0 rg BT 367.54 46.25 Td (of ) Tj ET Q q 0 0 0 rg BT 378.78 46.25 Td (securitized ) Tj ET Q q 0 0 0 rg BT 425.01 46.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 449.03 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 459.72 46.25 Td (retain ) Tj ET Q q 0 0 0 rg BT 485.40 46.25 Td (apercentage ) Tj ET Q q 0 0 0 rg BT 538.55 46.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 46.25 Td (the ) 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 303.50 31.60 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 68.26 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.18 742.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 129.75 742.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 156.62 742.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 207.66 742.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 252.01 742.10 Td (rate-setting ) Tj ET Q q 0 0 0 rg BT 300.25 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 315.18 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 345.64 742.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 368.90 742.10 Td (card ) Tj ET Q q 0 0 0 rg BT 389.37 742.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 439.27 742.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 461.13 742.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 512.16 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 519.86 742.10 Td (number ) Tj ET Q q 0 0 0 rg BT 553.67 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (reforms ) Tj ET Q q 0 0 0 rg BT 83.63 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 97.82 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 138.11 730.10 Td (originations, ) Tj ET Q q 0 0 0 rg BT 190.91 730.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 230.10 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 252.07 730.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 285.15 730.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 330.44 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.41 730.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 373.27 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.58 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 395.55 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 419.73 730.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 470.00 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.97 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 511.16 730.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 554.22 730.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (order ) Tj ET Q q 0 0 0 rg BT 73.07 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 82.82 718.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 114.21 718.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 139.51 718.10 Td (located ) Tj ET Q q 0 0 0 rg BT 170.35 718.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 201.21 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.50 718.10 Td (their ) Tj ET Q q 0 0 0 rg BT 231.80 718.10 Td (home ) Tj ET Q q 0 0 0 rg BT 255.98 718.10 Td (state, ) Tj ET Q q 0 0 0 rg BT 278.78 718.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 317.40 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 333.81 718.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 355.22 718.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 387.75 718.10 Td (company ) Tj ET Q q 0 0 0 rg BT 426.37 718.10 Td (electing ) Tj ET Q q 0 0 0 rg BT 459.99 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.74 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 481.14 718.10 Td (treated ) Tj ET Q q 0 0 0 rg BT 510.32 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 520.62 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 527.02 718.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 83.95 706.10 Td (company ) Tj ET Q q 0 0 0 rg BT 124.00 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.17 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 148.00 706.10 Td (well ) Tj ET Q q 0 0 0 rg BT 173.05 706.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 224.18 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.01 706.10 Td (well ) Tj ET Q q 0 0 0 rg BT 267.06 706.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 310.99 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.82 706.10 Td (authorizing ) Tj ET Q q 0 0 0 rg BT 377.75 706.10 Td (national ) Tj ET Q q 0 0 0 rg BT 413.36 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.19 706.10 Td (state ) Tj ET Q q 0 0 0 rg BT 452.91 706.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 479.63 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 490.80 706.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 529.19 706.10 Td (de ) Tj ET Q q 0 0 0 rg BT 542.02 706.10 Td (novo ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 88.04 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.32 694.10 Td (any ) Tj ET Q q 0 0 0 rg BT 115.25 694.10 Td (state ) Tj ET Q q 0 0 0 rg BT 136.08 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 153.57 694.10 Td (would ) Tj ET Q q 0 0 0 rg BT 181.07 694.10 Td (permit ) Tj ET Q q 0 0 0 rg BT 209.68 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 216.62 694.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 238.55 694.10 Td (chartered ) Tj ET Q q 0 0 0 rg BT 278.25 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.53 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 306.02 694.10 Td (state ) Tj ET Q q 0 0 0 rg BT 326.85 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.12 694.10 Td (open ) Tj ET Q q 0 0 0 rg BT 359.06 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 366.00 694.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 395.71 694.10 Td (at ) Tj ET Q q 0 0 0 rg BT 405.42 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 422.92 694.10 Td (location.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.48 676.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 139.65 676.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 157.03 676.10 Td (also ) Tj ET Q q 0 0 0 rg BT 176.08 676.10 Td (broadened ) Tj ET Q q 0 0 0 rg BT 220.66 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.81 676.10 Td (base ) Tj ET Q q 0 0 0 rg BT 256.52 676.10 Td (for ) Tj ET Q q 0 0 0 rg BT 271.11 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.27 676.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 311.99 676.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 353.24 676.10 Td (assessments. ) Tj ET Q q 0 0 0 rg BT 406.80 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 425.28 676.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 451.00 676.10 Td (was ) Tj ET Q q 0 0 0 rg BT 469.49 676.10 Td (required ) Tj ET Q q 0 0 0 rg BT 505.74 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.46 676.10 Td (promulgate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 71.72 664.10 Td (revising ) Tj ET Q q 0 0 0 rg BT 106.21 664.10 Td (its ) Tj ET Q q 0 0 0 rg BT 117.94 664.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 164.66 664.10 Td (system ) Tj ET Q q 0 0 0 rg BT 194.72 664.10 Td (so ) Tj ET Q q 0 0 0 rg BT 205.89 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 223.16 664.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 263.76 664.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 314.37 664.10 Td (are ) Tj ET Q q 0 0 0 rg BT 328.85 664.10 Td (based ) Tj ET Q q 0 0 0 rg BT 353.90 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 366.18 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.68 664.10 Td (average ) Tj ET Q q 0 0 0 rg BT 414.04 664.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 466.86 664.10 Td (total ) Tj ET Q q 0 0 0 rg BT 486.91 664.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 512.52 664.10 Td (less ) Tj ET Q q 0 0 0 rg BT 529.80 664.10 Td (tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.99 652.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 107.63 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.96 652.10 Td (an ) Tj ET Q q 0 0 0 rg BT 131.39 652.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 163.82 652.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 209.03 652.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 252.58 652.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 283.90 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.22 652.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 333.28 652.10 Td (That ) Tj ET Q q 0 0 0 rg BT 354.60 652.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 373.14 652.10 Td (took ) Tj ET Q q 0 0 0 rg BT 393.91 652.10 Td (ef) Tj ET Q q 0 0 0 rg BT 401.50 652.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 418.82 652.10 Td (April1, ) Tj ET Q q 0 0 0 rg BT 452.92 652.10 Td (201) Tj ET Q q 0 0 0 rg BT 467.55 652.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 477.82 652.10 Td (The ) Tj ET Q q 0 0 0 rg BT 496.36 652.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 547.58 652.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (also ) Tj ET Q q 0 0 0 rg BT 67.80 640.10 Td (permanently ) Tj ET Q q 0 0 0 rg BT 119.48 640.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 158.92 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.83 640.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 215.08 640.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 246.77 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.79 640.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 287.37 640.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 327.38 640.10 Td (for ) Tj ET Q q 0 0 0 rg BT 340.73 640.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 368.26 640.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 399.95 640.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 446.10 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.23 640.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 486.68 640.10 Td (unions ) Tj ET Q q 0 0 0 rg BT 515.05 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.52 640.10 Td ($250,000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (per ) Tj ET Q q 0 0 0 rg BT 65.27 628.10 Td (depositor) Tj ET Q q 0 0 0 rg BT 102.08 628.10 Td (, ) Tj ET Q q 0 0 0 rg BT 107.08 628.10 Td (retroactive ) Tj ET Q q 0 0 0 rg BT 152.33 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.61 628.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 206.21 628.10 Td (2008.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.18 610.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 139.11 610.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 156.17 610.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 196.55 610.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 245.83 610.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 285.66 610.10 Td (over ) Tj ET Q q 0 0 0 rg BT 306.06 610.10 Td (boards ) Tj ET Q q 0 0 0 rg BT 335.34 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.30 610.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 383.92 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 396.55 610.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 435.83 610.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 481.22 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.63 610.10 Td (give ) Tj ET Q q 0 0 0 rg BT 511.47 610.10 Td (shareholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 58.58 598.10 Td (nonbinding ) Tj ET Q q 0 0 0 rg BT 108.28 598.10 Td (vote ) Tj ET Q q 0 0 0 rg BT 129.64 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 143.79 598.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 186.24 598.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 245.93 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.51 598.10 Td (so-called ) Tj ET Q q 0 0 0 rg BT 304.75 598.10 Td (golden ) Tj ET Q q 0 0 0 rg BT 340.55 598.10 Td (parachute ) Tj ET Q q 0 0 0 rg BT 387.99 598.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 432.96 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.54 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 465.69 598.10 Td (authorizing ) Tj ET Q q 0 0 0 rg BT 515.38 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.74 598.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 554.22 598.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (promulgate ) Tj ET Q q 0 0 0 rg BT 98.16 586.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 120.22 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 137.83 586.10 Td (would ) Tj ET Q q 0 0 0 rg BT 165.45 586.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 190.29 586.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 243.44 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.84 586.10 Td (nominate ) Tj ET Q q 0 0 0 rg BT 293.67 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.73 586.10 Td (solicit ) Tj ET Q q 0 0 0 rg BT 337.79 586.10 Td (votes ) Tj ET Q q 0 0 0 rg BT 361.52 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 375.79 586.10 Td (their ) Tj ET Q q 0 0 0 rg BT 396.74 586.10 Td (own ) Tj ET Q q 0 0 0 rg BT 416.58 586.10 Td (candidates ) Tj ET Q q 0 0 0 rg BT 461.40 586.10 Td (using ) Tj ET Q q 0 0 0 rg BT 485.69 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.74 586.10 Td (company) Tj ET Q q 0 0 0 rg BT 532.18 586.10 Td (s ) Tj ET Q q 0 0 0 rg BT 538.69 586.10 Td (proxy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (materials. ) Tj ET Q q 0 0 0 rg BT 91.02 574.10 Td (It ) Tj ET Q q 0 0 0 rg BT 99.01 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 107.55 574.10 Td (challenging ) Tj ET Q q 0 0 0 rg BT 156.08 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.73 574.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 195.37 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.46 574.10 Td (full ) Tj ET Q q 0 0 0 rg BT 225.22 574.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 254.30 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.39 574.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 318.74 574.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 335.05 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.36 574.10 Td (its ) Tj ET Q q 0 0 0 rg BT 362.68 574.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 420.10 574.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 466.41 574.10 Td (will ) Tj ET Q q 0 0 0 rg BT 483.84 574.10 Td (have ) Tj ET Q q 0 0 0 rg BT 504.59 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 516.47 574.10 Td (community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 76.45 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.01 562.10 Td (their ) Tj ET Q q 0 0 0 rg BT 115.45 562.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 149.13 562.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 197.28 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 215.95 562.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 260.73 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.29 562.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 336.95 562.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 387.01 562.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 436.21 562.10 Td (those ) Tj ET Q q 0 0 0 rg BT 460.44 562.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 505.23 562.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 538.89 562.10 Td (to ) 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 50.00 550.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.61 550.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 133.32 550.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 176.92 550.10 Td (Bureau, ) Tj ET Q q 0 0 0 rg BT 210.80 550.10 Td (has ) Tj ET Q q 0 0 0 rg BT 226.63 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.57 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 252.74 550.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 278.01 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 288.29 550.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 325.22 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.50 550.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 370.76 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 386.59 550.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 426.85 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.79 550.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 492.38 550.10 Td (costs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Economic Gr) Tj ET Q q 0 0 0 rg BT 106.75 532.10 Td (owth, Regulatory Relief, and Consumer) Tj ET Q q 0 0 0 rg BT 276.01 532.10 Td ( Pr) Tj ET Q q 0 0 0 rg BT 288.87 532.10 Td (otection ) Tj ET Q q 0 0 0 rg BT 324.70 532.10 Td (Act) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.59 514.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 132.18 514.10 Td (Growth, ) Tj ET Q q 0 0 0 rg BT 168.27 514.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 215.75 514.10 Td (Relief, ) Tj ET Q q 0 0 0 rg BT 245.73 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.21 514.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 307.36 514.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 350.83 514.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 368.32 514.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 386.91 514.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 424.89 514.10 Td (A\) ) Tj ET Q q 0 0 0 rg BT 438.48 514.10 Td (became ) Tj ET Q q 0 0 0 rg BT 472.06 514.10 Td (law ) Tj ET Q q 0 0 0 rg BT 489.54 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 502.59 514.10 Td (May ) Tj ET Q q 0 0 0 rg BT 523.96 514.10 Td (24, ) Tj ET Q q 0 0 0 rg BT 539.50 514.10 Td (2018. ) 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 67.93 502.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 105.92 502.10 Td (A) Tj ET Q q 0 0 0 rg BT 112.59 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 114.97 502.10 Td (keeps ) Tj ET Q q 0 0 0 rg BT 140.12 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.29 502.10 Td (place ) Tj ET Q q 0 0 0 rg BT 173.77 502.10 Td (fundamental ) Tj ET Q q 0 0 0 rg BT 226.13 502.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 257.40 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.11 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.71 502.10 Td (current ) Tj ET Q q 0 0 0 rg BT 313.41 502.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 335.24 502.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 378.72 502.10 Td (structure, ) Tj ET Q q 0 0 0 rg BT 418.59 502.10 Td (but ) Tj ET Q q 0 0 0 rg BT 433.75 502.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 470.57 502.10 Td (community ) Tj ET Q q 0 0 0 rg BT 518.51 502.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 544.23 502.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (relief ) Tj ET Q q 0 0 0 rg BT 73.59 490.10 Td (from ) Tj ET Q q 0 0 0 rg BT 95.53 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 125.23 490.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 168.83 490.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 226.03 490.10 Td (including ) Tj ET Q q 0 0 0 rg BT 266.30 490.10 Td (some ) Tj ET Q q 0 0 0 rg BT 289.91 490.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 326.30 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.80 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.52 490.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 404.35 490.10 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 102.18 472.10 Td (other ) Tj ET Q q 0 0 0 rg BT 124.92 472.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 154.05 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.45 472.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 206.43 472.10 Td (A) Tj ET Q q 0 0 0 rg BT 213.10 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.29 472.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 249.68 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.08 472.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 294.02 472.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 328.42 472.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 365.02 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 374.99 472.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 408.83 472.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 455.44 472.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 505.40 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 512.02 472.10 Td (community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 71.22 460.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 106.86 460.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 131.40 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 144.84 460.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 169.95 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.17 460.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 218.50 460.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 263.04 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 282.60 460.10 Td (less ) Tj ET Q q 0 0 0 rg BT 299.38 460.10 Td (than ) Tj ET Q q 0 0 0 rg BT 318.38 460.10 Td ($10billion ) Tj ET Q q 0 0 0 rg BT 363.77 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 373.32 460.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 425.65 460.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 450.75 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.97 460.10 Td (a ) Tj ET Q q 0 0 0 rg BT 473.19 460.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 516.07 460.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 532.85 460.10 Td (profile. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.33 448.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 107.31 448.10 Td (A) Tj ET Q q 0 0 0 rg BT 113.98 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 117.76 448.10 Td (defines ) Tj ET Q q 0 0 0 rg BT 150.42 448.10 Td (community ) Tj ET Q q 0 0 0 rg BT 204.19 448.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 227.41 448.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 265.06 448.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 291.60 448.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 307.04 448.10 Td (CBLR\) ) Tj ET Q q 0 0 0 rg BT 340.27 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 352.38 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.38 448.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 390.49 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.60 448.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 438.59 448.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 467.37 448.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 497.80 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 509.36 448.10 Td (average ) Tj ET Q q 0 0 0 rg BT 544.22 448.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 101.99 436.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 129.16 436.10 Td (The ) Tj ET Q q 0 0 0 rg BT 146.15 436.10 Td (required ) Tj ET Q q 0 0 0 rg BT 180.91 436.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 226.79 436.10 Td (must ) Tj ET Q q 0 0 0 rg BT 247.68 436.10 Td (specify ) Tj ET Q q 0 0 0 rg BT 278.00 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 283.88 436.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 324.22 436.10 Td (CBLR ) Tj ET Q q 0 0 0 rg BT 351.78 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.55 436.10 Td (not ) Tj ET Q q 0 0 0 rg BT 375.78 436.10 Td (less ) Tj ET Q q 0 0 0 rg BT 392.22 436.10 Td (than ) Tj ET Q q 0 0 0 rg BT 410.88 436.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 425.66 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.54 436.10 Td (not ) Tj ET Q q 0 0 0 rg BT 455.76 436.10 Td (more ) Tj ET Q q 0 0 0 rg BT 477.75 436.10 Td (than ) Tj ET Q q 0 0 0 rg BT 496.42 436.10 Td (10%. ) Tj ET Q q 0 0 0 rg BT 518.69 436.10 Td (Qualifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 74.88 424.10 Td (that ) Tj ET Q q 0 0 0 rg BT 91.42 424.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 120.72 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.49 424.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 174.93 424.10 Td (CBLR ) Tj ET Q q 0 0 0 rg BT 202.59 424.10 Td (will ) Tj ET Q q 0 0 0 rg BT 219.70 424.10 Td (be ) Tj ET Q q 0 0 0 rg BT 230.68 424.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 263.33 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.65 424.10 Td (be ) Tj ET Q q 0 0 0 rg BT 283.64 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.96 424.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 340.60 424.10 Td (with ) Tj ET Q q 0 0 0 rg BT 359.93 424.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 398.68 424.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 441.31 424.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 483.96 424.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 512.16 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.14 424.10 Td (leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 105.89 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.02 412.10 Td (will ) Tj ET Q q 0 0 0 rg BT 143.26 412.10 Td (be ) Tj ET Q q 0 0 0 rg BT 156.39 412.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 203.40 412.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 279.81 412.10 Td (under ) Tj ET Q q 0 0 0 rg BT 306.27 412.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 339.96 412.10 Td (38 ) Tj ET Q q 0 0 0 rg BT 353.65 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.66 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.57 412.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 415.24 412.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 450.04 412.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 491.78 412.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 509.91 412.10 Td (\(FDIA\). ) Tj ET Q q 0 0 0 rg BT 546.10 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 549.78 412.10 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (November ) Tj ET Q q 0 0 0 rg BT 95.90 400.10 Td (21, ) Tj ET Q q 0 0 0 rg BT 112.08 400.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 138.27 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.18 400.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 185.62 400.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 221.53 400.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 259.64 400.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 288.33 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 296.46 400.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 324.58 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.60 400.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 376.95 400.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 426.18 400.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 468.18 400.10 Td (these ) Tj ET Q q 0 0 0 rg BT 492.42 400.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 537.78 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 400.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 87.98 388.10 Td (A. ) Tj ET Q q 0 0 0 rg BT 100.21 388.10 Td ( ) Tj ET Q q 0 0 0 rg BT 102.52 388.10 Td (The ) Tj ET Q q 0 0 0 rg BT 120.57 388.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 157.50 388.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 196.66 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 203.59 388.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 244.99 388.10 Td (CBLR ) Tj ET Q q 0 0 0 rg BT 273.60 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.43 388.10 Td (9%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.45 370.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 126.44 370.10 Td (A) Tj ET Q q 0 0 0 rg BT 133.11 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.01 370.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 173.35 370.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 205.70 370.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 250.82 370.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 298.18 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.52 370.10 Td (their ) Tj ET Q q 0 0 0 rg BT 336.75 370.10 Td (af) Tj ET Q q 0 0 0 rg BT 344.34 370.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 374.46 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 395.14 370.10 Td (less ) Tj ET Q q 0 0 0 rg BT 413.05 370.10 Td (than ) Tj ET Q q 0 0 0 rg BT 433.17 370.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 451.07 370.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 480.09 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.78 370.10 Td (total ) Tj ET Q q 0 0 0 rg BT 511.46 370.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 74.99 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.09 358.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 121.09 358.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 151.07 358.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 188.84 358.10 Td (with ) Tj ET Q q 0 0 0 rg BT 208.28 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 219.38 358.10 Td (exemption ) Tj ET Q q 0 0 0 rg BT 263.25 358.10 Td (from ) Tj ET Q q 0 0 0 rg BT 284.35 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.23 358.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 348.41 358.10 Td (Act) Tj ET Q q 0 0 0 rg BT 365.63 358.10 Td (s ) Tj ET Q q 0 0 0 rg BT 371.18 358.10 Td (V) Tj ET Q q 0 0 0 rg BT 381.55 358.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 408.20 358.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 433.19 358.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 462.62 358.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 501.48 358.10 Td (restricts ) Tj ET Q q 0 0 0 rg BT 534.80 358.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 85.70 346.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 118.06 346.10 Td (such ) Tj ET Q q 0 0 0 rg BT 139.88 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.69 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.39 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 209.76 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.68 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.38 346.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 267.97 346.10 Td (from ) Tj ET Q q 0 0 0 rg BT 290.89 346.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 331.03 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.29 346.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 390.20 346.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 422.01 346.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 461.59 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.51 346.10 Td (entering ) Tj ET Q q 0 0 0 rg BT 515.76 346.10 Td (into ) Tj ET Q q 0 0 0 rg BT 534.80 346.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 103.60 334.10 Td (with ) Tj ET Q q 0 0 0 rg BT 123.88 334.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 150.26 334.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 174.98 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.92 334.10 Td (private-equity ) Tj ET Q q 0 0 0 rg BT 250.51 334.10 Td (funds\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 316.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.89 316.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 125.87 316.10 Td (A) Tj ET Q q 0 0 0 rg BT 132.54 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.89 316.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 174.98 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.54 316.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 242.43 316.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 268.10 316.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 289.33 316.10 Td (for ) Tj ET Q q 0 0 0 rg BT 303.34 316.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 325.12 316.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 358.02 316.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 403.12 316.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 437.11 316.10 Td (by ) Tj ET Q q 0 0 0 rg BT 449.46 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.01 316.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 496.34 316.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 530.89 316.10 Td (Board) Tj ET Q q 0 0 0 rg BT 558.11 316.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (Small ) Tj ET Q q 0 0 0 rg BT 79.78 304.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 102.90 304.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 137.68 304.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 178.57 304.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 206.14 304.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 252.57 304.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 270.13 304.10 Td (Policy\) ) Tj ET Q q 0 0 0 rg BT 301.02 304.10 Td (from ) Tj ET Q q 0 0 0 rg BT 322.47 304.10 Td ($1 ) Tj ET Q q 0 0 0 rg BT 334.47 304.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 362.59 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.38 304.10 Td ($3 ) Tj ET Q q 0 0 0 rg BT 384.38 304.10 Td (billion. ) Tj ET Q q 0 0 0 rg BT 415.00 304.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.01 304.10 Td (In ) Tj ET Q q 0 0 0 rg BT 427.35 304.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 462.13 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.91 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.14 304.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 538.69 304.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (limit, ) Tj ET Q q 0 0 0 rg BT 73.98 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 81.00 292.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 115.23 292.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 137.25 292.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 170.39 292.10 Td (company ) Tj ET Q q 0 0 0 rg BT 209.63 292.10 Td (may ) Tj ET Q q 0 0 0 rg BT 229.43 292.10 Td (not ) Tj ET Q q 0 0 0 rg BT 244.80 292.10 Td (be ) Tj ET Q q 0 0 0 rg BT 256.82 292.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 292.72 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 303.08 292.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 347.88 292.10 Td (non-banking ) Tj ET Q q 0 0 0 rg BT 401.01 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.03 292.10 Td (of) Tj ET Q q 0 0 0 rg BT 426.18 292.10 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 465.96 292.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 489.09 292.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 527.77 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.80 292.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.35 280.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.80 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.81 280.10 Td (material ) Tj ET Q q 0 0 0 rg BT 129.14 280.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 161.70 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.60 280.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 192.39 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 203.29 280.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 230.86 280.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 271.19 280.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 320.43 280.10 Td (\(other ) Tj ET Q q 0 0 0 rg BT 346.88 280.10 Td (than ) Tj ET Q q 0 0 0 rg BT 366.66 280.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 387.01 280.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 426.22 280.10 Td (securities\) ) Tj ET Q q 0 0 0 rg BT 469.88 280.10 Td (that ) Tj ET Q q 0 0 0 rg BT 487.45 280.10 Td (are ) Tj ET Q q 0 0 0 rg BT 502.23 280.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 544.22 280.10 Td (with ) 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 64.56 268.10 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 87.58 268.10 Td (The ) Tj ET Q q 0 0 0 rg BT 105.47 268.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 137.80 268.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 172.35 268.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 199.14 268.10 Td (retains ) Tj ET Q q 0 0 0 rg BT 228.14 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.70 268.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 281.15 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.27 268.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 324.71 268.10 Td (any ) Tj ET Q q 0 0 0 rg BT 341.49 268.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 363.28 268.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 396.18 268.10 Td (company ) Tj ET Q q 0 0 0 rg BT 435.18 268.10 Td (from ) Tj ET Q q 0 0 0 rg BT 456.96 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.52 268.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 499.43 268.10 Td (if ) Tj ET Q q 0 0 0 rg BT 507.88 268.10 Td (such ) Tj ET Q q 0 0 0 rg BT 528.56 268.10 Td (action ) Tj ET Q q 0 0 0 rg BT 555.33 268.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (warranted ) Tj ET Q q 0 0 0 rg BT 92.06 256.10 Td (for ) Tj ET Q q 0 0 0 rg BT 105.81 256.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 154.56 256.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 194.55 256.10 Td (The ) Tj ET Q q 0 0 0 rg BT 212.18 256.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 239.82 256.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 268.02 256.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 301.75 256.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 323.28 256.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 355.92 256.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 400.77 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.64 256.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 442.15 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 462.02 256.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 489.65 256.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 515.06 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.48 256.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 544.79 256.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.31 244.10 Td (normally ) Tj ET Q q 0 0 0 rg BT 115.72 244.10 Td (be ) Tj ET Q q 0 0 0 rg BT 127.47 244.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 170.60 244.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 197.90 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.43 244.10 Td (Policy) Tj ET Q q 0 0 0 rg BT 237.33 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 242.14 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 248.89 244.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 282.85 244.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 304.59 244.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 337.46 244.10 Td (company ) Tj ET Q q 0 0 0 rg BT 376.43 244.10 Td (is ) Tj ET Q q 0 0 0 rg BT 385.41 244.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 428.82 244.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.57 244.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 480.09 244.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 521.29 244.10 Td (if ) Tj ET Q q 0 0 0 rg BT 529.71 244.10 Td (its ) Tj ET Q q 0 0 0 rg BT 541.46 244.10 Td (debt-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (to-equity ) Tj ET Q q 0 0 0 rg BT 88.26 232.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 108.75 232.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 142.56 232.10 Td (1:1. ) Tj ET Q q 0 0 0 rg BT 160.00 232.10 Td (In ) Tj ET Q q 0 0 0 rg BT 170.49 232.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 207.92 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.30 232.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 254.44 232.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 288.81 232.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 315.41 232.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 347.56 232.10 Td (that ) Tj ET Q q 0 0 0 rg BT 364.71 232.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 386.31 232.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 419.03 232.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 463.95 232.10 Td (will ) Tj ET Q q 0 0 0 rg BT 481.67 232.10 Td (retire ) Tj ET Q q 0 0 0 rg BT 504.92 232.10 Td (all ) Tj ET Q q 0 0 0 rg BT 517.08 232.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 536.46 232.10 Td (within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (25 ) Tj ET Q q 0 0 0 rg BT 62.75 220.10 Td (years ) Tj ET Q q 0 0 0 rg BT 86.59 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.67 220.10 Td (being ) Tj ET Q q 0 0 0 rg BT 122.64 220.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 158.70 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.89 220.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 205.28 220.10 Td (their ) Tj ET Q q 0 0 0 rg BT 226.35 220.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 246.32 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 256.85 220.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 284.59 220.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 305.66 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.19 220.10 Td (30:1 ) Tj ET Q q 0 0 0 rg BT 336.71 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.79 220.10 Td (less ) Tj ET Q q 0 0 0 rg BT 365.54 220.10 Td (within ) Tj ET Q q 0 0 0 rg BT 393.85 220.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 406.59 220.10 Td (years ) Tj ET Q q 0 0 0 rg BT 430.44 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.52 220.10 Td (incurring ) Tj ET Q q 0 0 0 rg BT 480.92 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.89 220.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 518.15 220.10 Td (The ) Tj ET Q q 0 0 0 rg BT 536.45 220.10 Td (Policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.84 208.10 Td (directs ) Tj ET Q q 0 0 0 rg BT 98.22 208.10 Td (that ) Tj ET Q q 0 0 0 rg BT 115.94 208.10 Td (each ) Tj ET Q q 0 0 0 rg BT 136.98 208.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 181.93 208.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 225.21 208.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 269.05 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.11 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.27 208.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 321.65 208.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 343.81 208.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 377.09 208.10 Td (company ) Tj ET Q q 0 0 0 rg BT 416.48 208.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 446.97 208.10 Td (well-capitalized. ) Tj ET Q q 0 0 0 rg BT 516.05 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 518.77 208.10 Td (On ) Tj ET Q q 0 0 0 rg BT 533.12 208.10 Td (August ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 65.00 196.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 90.00 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.72 196.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 137.20 196.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 171.91 196.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 198.85 196.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 226.35 196.10 Td (an ) Tj ET Q q 0 0 0 rg BT 238.29 196.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 269.67 196.10 Td (final ) Tj ET Q q 0 0 0 rg BT 290.49 196.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 308.54 196.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 349.36 196.10 Td (revisions ) Tj ET Q q 0 0 0 rg BT 387.96 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.24 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.96 196.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 441.02 196.10 Td (prompted ) Tj ET Q q 0 0 0 rg BT 481.84 196.10 Td (by ) Tj ET Q q 0 0 0 rg BT 494.34 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.06 196.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 547.04 196.10 Td (A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.27 178.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 126.25 178.10 Td (A) Tj ET Q q 0 0 0 rg BT 132.92 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.64 178.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 176.12 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.06 178.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 244.32 178.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 270.37 178.10 Td (threshold ) Tj ET Q q 0 0 0 rg BT 310.31 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 332.47 178.10 Td ($1 ) Tj ET Q q 0 0 0 rg BT 345.19 178.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 374.02 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.52 178.10 Td ($3 ) Tj ET Q q 0 0 0 rg BT 397.24 178.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 426.08 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 440.46 178.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 472.62 178.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 517.56 178.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 166.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 98.32 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.48 166.10 Td (an ) Tj ET Q q 0 0 0 rg BT 124.42 166.10 Td (18-month ) Tj ET Q q 0 0 0 rg BT 165.81 166.10 Td (on-site ) Tj ET Q q 0 0 0 rg BT 195.52 166.10 Td (exam ) Tj ET Q q 0 0 0 rg BT 219.68 166.10 Td (cycle.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 148.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.43 148.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 126.41 148.10 Td (A) Tj ET Q q 0 0 0 rg BT 133.08 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.96 148.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 171.05 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.15 148.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 216.79 148.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 251.89 148.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 289.19 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.86 148.10 Td (promulgate ) Tj ET Q q 0 0 0 rg BT 348.28 148.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 395.60 148.10 Td (permitting ) Tj ET Q q 0 0 0 rg BT 440.14 148.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 472.46 148.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 517.56 148.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.38 136.10 Td (have ) Tj ET Q q 0 0 0 rg BT 88.64 136.10 Td (less ) Tj ET Q q 0 0 0 rg BT 106.02 136.10 Td (than ) Tj ET Q q 0 0 0 rg BT 125.62 136.10 Td ($5 ) Tj ET Q q 0 0 0 rg BT 138.00 136.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 166.50 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 176.66 136.10 Td (total ) Tj ET Q q 0 0 0 rg BT 196.82 136.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 249.74 136.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 275.45 136.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 295.61 136.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 324.10 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 347.03 136.10 Td (conditions\) ) Tj ET Q q 0 0 0 rg BT 394.40 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.57 136.10 Td (use ) Tj ET Q q 0 0 0 rg BT 420.28 136.10 Td (short-form ) Tj ET Q q 0 0 0 rg BT 465.43 136.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 495.58 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.29 136.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 546.45 136.10 Td (\(i.e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (call ) Tj ET Q q 0 0 0 rg BT 67.02 124.10 Td (reports\) ) Tj ET Q q 0 0 0 rg BT 100.71 124.10 Td (for ) Tj ET Q q 0 0 0 rg BT 114.95 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.76 124.10 Td (first ) Tj ET Q q 0 0 0 rg BT 148.45 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 165.48 124.10 Td (third ) Tj ET Q q 0 0 0 rg BT 186.95 124.10 Td (quarters ) Tj ET Q q 0 0 0 rg BT 221.75 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.66 124.10 Td (each ) Tj ET Q q 0 0 0 rg BT 253.56 124.10 Td (year) Tj ET Q q 0 0 0 rg BT 270.22 124.10 Td (. ) Tj ET Q q 0 0 0 rg BT 275.31 124.10 Td (On ) Tj ET Q q 0 0 0 rg BT 290.12 124.10 Td (November ) Tj ET Q q 0 0 0 rg BT 334.91 124.10 Td (19, ) Tj ET Q q 0 0 0 rg BT 350.00 124.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 375.08 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.89 124.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 420.23 124.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 455.03 124.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 492.04 124.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 519.63 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 526.65 124.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 553.67 124.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 89.16 112.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 137.20 112.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 178.02 112.10 Td (these ) Tj ET Q q 0 0 0 rg BT 201.06 112.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 245.23 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.06 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.78 112.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 308.76 112.10 Td (A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 94.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.64 94.10 Td (number ) Tj ET Q q 0 0 0 rg BT 111.16 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 121.46 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.64 94.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 179.28 94.10 Td (included ) Tj ET Q q 0 0 0 rg BT 215.69 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.44 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.62 94.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 277.61 94.10 Td (A) Tj ET Q q 0 0 0 rg BT 284.28 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.25 94.10 Td (require ) Tj ET Q q 0 0 0 rg BT 316.53 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.72 94.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 360.44 94.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 394.63 94.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 431.03 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.77 94.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 462.74 94.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 511.65 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 513.62 94.10 Td (It ) Tj ET Q q 0 0 0 rg BT 521.70 94.10 Td (will ) Tj ET Q q 0 0 0 rg BT 539.22 94.10 Td (likely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (take ) Tj ET Q q 0 0 0 rg BT 68.79 82.10 Td (some ) Tj ET Q q 0 0 0 rg BT 92.02 82.10 Td (time ) Tj ET Q q 0 0 0 rg BT 111.93 82.10 Td (before ) Tj ET Q q 0 0 0 rg BT 139.60 82.10 Td (all ) Tj ET Q q 0 0 0 rg BT 151.72 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.18 82.10 Td (these ) Tj ET Q q 0 0 0 rg BT 184.86 82.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 231.42 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 245.76 82.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 272.89 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.46 82.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 310.48 82.10 Td (implemented. ) Tj ET Q q 0 0 0 rg BT 367.16 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 384.84 82.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 425.85 82.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 457.97 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.88 82.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 504.44 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.35 82.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 549.79 82.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.49 70.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 117.20 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.03 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.75 70.10 Td (EGRRCP) Tj ET Q q 0 0 0 rg BT 180.73 70.10 Td (A) Tj ET Q q 0 0 0 rg BT 187.40 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.90 70.10 Td (as ) Tj ET Q q 0 0 0 rg BT 200.73 70.10 Td (it ) Tj ET Q q 0 0 0 rg BT 208.79 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 217.96 70.10 Td (further ) Tj ET Q q 0 0 0 rg BT 247.67 70.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 302.37 70.10 Td (by ) Tj ET Q q 0 0 0 rg BT 314.87 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.59 70.10 Td (regulators.) 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 (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Connecticut Banking Laws and Supervision) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 121.21 724.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 171.86 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.52 724.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.35 724.25 Td () Tj ET Q q 0 0 0 rg BT 225.67 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 244.10 724.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 295.31 724.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 345.40 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.61 724.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 393.38 724.25 Td (regulates ) Tj ET Q q 0 0 0 rg BT 432.36 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.47 724.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 480.89 724.25 Td (or) Tj ET Q q 0 0 0 rg BT 489.04 724.25 Td (ganization ) Tj ET Q q 0 0 0 rg BT 533.58 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 544.79 724.25 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (as ) Tj ET Q q 0 0 0 rg BT 61.26 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.41 712.25 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 110.73 712.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 143.66 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.04 712.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 207.85 712.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 246.88 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 258.15 712.25 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 319.93 712.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 348.69 712.25 Td (including ) Tj ET Q q 0 0 0 rg BT 389.40 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.55 712.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 430.88 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 449.36 712.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 487.28 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 498.54 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 513.69 712.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 101.33 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.79 700.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 151.80 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 162.60 700.25 Td (required ) Tj ET Q q 0 0 0 rg BT 200.04 700.25 Td (for) Tj ET Q q 0 0 0 rg BT 211.30 700.25 Td (, ) Tj ET Q q 0 0 0 rg BT 217.93 700.25 Td (among ) Tj ET Q q 0 0 0 rg BT 249.27 700.25 Td (other ) Tj ET Q q 0 0 0 rg BT 273.94 700.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 305.02 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.36 700.25 Td (establishment ) Tj ET Q q 0 0 0 rg BT 380.48 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 392.94 700.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 424.27 700.25 Td (of) Tj ET Q q 0 0 0 rg BT 432.42 700.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 455.42 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.99 700.25 Td (business ) Tj ET Q q 0 0 0 rg BT 512.01 700.25 Td (combination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 102.19 688.25 Td (The ) Tj ET Q q 0 0 0 rg BT 119.82 688.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 170.22 688.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 219.50 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 229.91 688.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 265.88 688.25 Td (conducts ) Tj ET Q q 0 0 0 rg BT 303.51 688.25 Td (periodic ) Tj ET Q q 0 0 0 rg BT 338.35 688.25 Td (examinations ) Tj ET Q q 0 0 0 rg BT 393.75 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 404.16 688.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 454.56 688.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 493.83 688.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 521.59 688.25 Td (The ) Tj ET Q q 0 0 0 rg BT 539.22 688.25 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (also ) Tj ET Q q 0 0 0 rg BT 69.23 676.25 Td (regulates ) Tj ET Q q 0 0 0 rg BT 108.45 676.25 Td (many ) Tj ET Q q 0 0 0 rg BT 133.79 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 145.24 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.58 676.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 184.24 676.25 Td (regulated ) Tj ET Q q 0 0 0 rg BT 224.56 676.25 Td (by ) Tj ET Q q 0 0 0 rg BT 237.69 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.02 676.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 304.47 676.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 354.79 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.25 676.25 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 405.75 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 423.32 676.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 454.19 676.25 Td (law ) Tj ET Q q 0 0 0 rg BT 471.75 676.25 Td (may ) Tj ET Q q 0 0 0 rg BT 492.09 676.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 514.11 676.25 Td (some ) Tj ET Q q 0 0 0 rg BT 538.34 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 676.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 88.60 664.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 126.65 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 136.93 664.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 187.75 664.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 227.44 664.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 253.27 664.25 Td (by ) Tj ET Q q 0 0 0 rg BT 265.77 664.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 316.59 664.25 Td (law) Tj ET Q q 0 0 0 rg BT 330.38 664.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 646.25 Td (Lending ) Tj ET Q q 0 0 0 rg BT 105.45 646.25 Td (Activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.16 646.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 203.86 646.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 238.96 646.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 260.17 646.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 283.60 646.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 309.81 646.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 335.47 646.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 368.34 646.25 Td (authority) Tj ET Q q 0 0 0 rg BT 403.80 646.25 Td (. ) Tj ET Q q 0 0 0 rg BT 408.97 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 418.01 646.25 Td (ith ) Tj ET Q q 0 0 0 rg BT 431.45 646.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 461.53 646.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 492.75 646.25 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 540.89 646.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.24 634.25 Td (any ) Tj ET Q q 0 0 0 rg BT 77.13 634.25 Td (one ) Tj ET Q q 0 0 0 rg BT 94.03 634.25 Td (obligor ) Tj ET Q q 0 0 0 rg BT 125.37 634.25 Td (under ) Tj ET Q q 0 0 0 rg BT 150.60 634.25 Td (this ) Tj ET Q q 0 0 0 rg BT 167.50 634.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 204.96 634.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 243.52 634.25 Td (may ) Tj ET Q q 0 0 0 rg BT 263.19 634.25 Td (not ) Tj ET Q q 0 0 0 rg BT 278.43 634.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 308.64 634.25 Td (15% ) Tj ET Q q 0 0 0 rg BT 329.43 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.32 634.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 367.67 634.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 400.66 634.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 424.23 634.25 Td (may ) Tj ET Q q 0 0 0 rg BT 443.90 634.25 Td (not ) Tj ET Q q 0 0 0 rg BT 459.14 634.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 489.35 634.25 Td (an ) Tj ET Q q 0 0 0 rg BT 501.25 634.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 543.69 634.25 Td (10% ) 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 60.83 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 67.77 622.25 Td (bank) Tj ET Q q 0 0 0 rg BT 89.99 622.25 Td (s ) Tj ET Q q 0 0 0 rg BT 96.38 622.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 123.87 622.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 153.02 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 169.96 622.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 212.99 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 227.15 622.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 246.87 622.25 Td (losses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 604.25 Td (Dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.05 604.25 Td () Tj ET Q q 0 0 0 rg BT 120.37 604.25 Td (The ) Tj ET Q q 0 0 0 rg BT 138.26 604.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 161.72 604.25 Td (may ) Tj ET Q q 0 0 0 rg BT 181.29 604.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 198.08 604.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 218.20 604.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 259.43 604.25 Td (out ) Tj ET Q q 0 0 0 rg BT 274.56 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 285.24 604.25 Td (its ) Tj ET Q q 0 0 0 rg BT 297.04 604.25 Td (net ) Tj ET Q q 0 0 0 rg BT 311.61 604.25 Td (profits. ) Tj ET Q q 0 0 0 rg BT 342.56 604.25 Td (For ) Tj ET Q q 0 0 0 rg BT 358.81 604.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 396.71 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.39 604.25 Td (this ) Tj ET Q q 0 0 0 rg BT 424.19 604.25 Td (restriction, ) Tj ET Q q 0 0 0 rg BT 469.58 604.25 Td (net ) Tj ET Q q 0 0 0 rg BT 488.58 604.25 Td (profits ) Tj ET Q q 0 0 0 rg BT 521.48 604.25 Td (represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.04 592.25 Td (remainder ) Tj ET Q q 0 0 0 rg BT 108.39 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.54 592.25 Td (all ) Tj ET Q q 0 0 0 rg BT 132.36 592.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 169.06 592.25 Td (from ) Tj ET Q q 0 0 0 rg BT 191.32 592.25 Td (current ) Tj ET Q q 0 0 0 rg BT 222.45 592.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 269.43 592.25 Td (Further) Tj ET Q q 0 0 0 rg BT 298.47 592.25 Td (, ) Tj ET Q q 0 0 0 rg BT 303.79 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 318.83 592.25 Td (total ) Tj ET Q q 0 0 0 rg BT 339.42 592.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 372.24 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.39 592.25 Td (all ) Tj ET Q q 0 0 0 rg BT 396.21 592.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 437.92 592.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 474.60 592.25 Td (by ) Tj ET Q q 0 0 0 rg BT 487.42 592.25 Td (a ) Tj ET Q q 0 0 0 rg BT 494.68 592.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 516.94 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 527.54 592.25 Td (any ) Tj ET Q q 0 0 0 rg BT 544.80 592.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (may ) Tj ET Q q 0 0 0 rg BT 69.70 580.25 Td (not ) Tj ET Q q 0 0 0 rg BT 84.97 580.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 115.21 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 129.91 580.25 Td (sum ) Tj ET Q q 0 0 0 rg BT 149.06 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 159.88 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 166.80 580.25 Td (bank) Tj ET Q q 0 0 0 rg BT 189.02 580.25 Td (s ) Tj ET Q q 0 0 0 rg BT 195.40 580.25 Td (net ) Tj ET Q q 0 0 0 rg BT 210.10 580.25 Td (profits ) Tj ET Q q 0 0 0 rg BT 238.69 580.25 Td (for ) Tj ET Q q 0 0 0 rg BT 252.84 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.54 580.25 Td (year ) Tj ET Q q 0 0 0 rg BT 287.23 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.50 580.25 Td (question ) Tj ET Q q 0 0 0 rg BT 333.87 580.25 Td (combined ) Tj ET Q q 0 0 0 rg BT 375.79 580.25 Td (with ) Tj ET Q q 0 0 0 rg BT 396.05 580.25 Td (its ) Tj ET Q q 0 0 0 rg BT 407.98 580.25 Td (retained ) Tj ET Q q 0 0 0 rg BT 442.67 580.25 Td (net ) Tj ET Q q 0 0 0 rg BT 457.37 580.25 Td (profits ) Tj ET Q q 0 0 0 rg BT 485.97 580.25 Td (from ) Tj ET Q q 0 0 0 rg BT 507.89 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 522.59 580.25 Td (preceding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (twoyears. ) Tj ET Q q 0 0 0 rg BT 93.82 568.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 126.53 568.25 Td (law ) Tj ET Q q 0 0 0 rg BT 143.70 568.25 Td (also ) Tj ET Q q 0 0 0 rg BT 162.53 568.25 Td (prevents ) Tj ET Q q 0 0 0 rg BT 199.13 568.25 Td (an ) Tj ET Q q 0 0 0 rg BT 211.29 568.25 Td (institution ) Tj ET Q q 0 0 0 rg BT 254.58 568.25 Td (from ) Tj ET Q q 0 0 0 rg BT 276.74 568.25 Td (paying ) Tj ET Q q 0 0 0 rg BT 306.68 568.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 348.30 568.25 Td (or ) Tj ET Q q 0 0 0 rg BT 359.35 568.25 Td (making ) Tj ET Q q 0 0 0 rg BT 392.07 568.25 Td (other ) Tj ET Q q 0 0 0 rg BT 415.34 568.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 444.72 568.25 Td (distributions ) Tj ET Q q 0 0 0 rg BT 497.45 568.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 517.67 568.25 Td (if ) Tj ET Q q 0 0 0 rg BT 526.50 568.25 Td (by ) Tj ET Q q 0 0 0 rg BT 539.22 568.25 Td (doing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (so, ) Tj ET Q q 0 0 0 rg BT 64.77 556.25 Td (would ) Tj ET Q q 0 0 0 rg BT 93.14 556.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 118.73 556.25 Td (it ) Tj ET Q q 0 0 0 rg BT 127.66 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 138.81 556.25 Td (become ) Tj ET Q q 0 0 0 rg BT 173.28 556.25 Td (undercapitalized. ) Tj ET Q q 0 0 0 rg BT 254.11 556.25 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 299.15 556.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 343.62 556.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 369.50 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 385.09 556.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 410.68 556.25 Td (III ) Tj ET Q q 0 0 0 rg BT 424.05 556.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 456.30 556.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 482.46 556.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 504.73 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.32 556.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.69 556.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 91.19 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.72 544.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 129.13 544.25 Td (can ) Tj ET Q q 0 0 0 rg BT 145.32 544.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 162.06 544.25 Td (if ) Tj ET Q q 0 0 0 rg BT 170.48 544.25 Td (its ) Tj ET Q q 0 0 0 rg BT 182.23 544.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 211.19 544.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 235.72 544.25 Td (are ) Tj ET Q q 0 0 0 rg BT 250.23 544.25 Td (below ) Tj ET Q q 0 0 0 rg BT 276.98 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 291.50 544.25 Td (threshold ) Tj ET Q q 0 0 0 rg BT 331.02 544.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 356.66 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 367.29 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.82 544.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 410.77 544.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 464.17 544.25 Td (buf) Tj ET Q q 0 0 0 rg BT 477.32 544.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 490.73 544.25 Td (established ) Tj ET Q q 0 0 0 rg BT 537.47 544.25 Td (by ) Tj ET Q q 0 0 0 rg BT 549.78 544.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (rules. ) Tj ET Q q 0 0 0 rg BT 74.22 532.25 Td (The ) Tj ET Q q 0 0 0 rg BT 92.22 532.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.32 532.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 174.87 532.25 Td (buf) Tj ET Q q 0 0 0 rg BT 188.02 532.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 201.58 532.25 Td (was ) Tj ET Q q 0 0 0 rg BT 219.58 532.25 Td (phased ) Tj ET Q q 0 0 0 rg BT 249.81 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 260.04 532.25 Td (from ) Tj ET Q q 0 0 0 rg BT 281.93 532.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 325.49 532.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 347.94 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 358.17 532.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 401.73 532.25 Td (2019, ) Tj ET Q q 0 0 0 rg BT 426.68 532.25 Td (when ) Tj ET Q q 0 0 0 rg BT 450.80 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 465.47 532.25 Td (full ) Tj ET Q q 0 0 0 rg BT 481.81 532.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 510.92 532.25 Td (conservation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (buf) Tj ET Q q 0 0 0 rg BT 63.15 520.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 77.27 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 88.62 520.25 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 112.47 520.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 127.15 520.25 Td (apercentage ) Tj ET Q q 0 0 0 rg BT 180.41 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.76 520.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 249.76 520.25 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 279.44 520.25 Td (became ) Tj ET Q q 0 0 0 rg BT 313.00 520.25 Td (ef) Tj ET Q q 0 0 0 rg BT 320.58 520.25 Td (fective. ) Tj ET Q q 0 0 0 rg BT 353.09 520.25 Td (The ) Tj ET Q q 0 0 0 rg BT 371.65 520.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 401.32 520.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 455.44 520.25 Td (buf) Tj ET Q q 0 0 0 rg BT 468.59 520.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 482.71 520.25 Td (is ) Tj ET Q q 0 0 0 rg BT 492.40 520.25 Td (in ) Tj ET Q q 0 0 0 rg BT 503.19 520.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 538.99 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 520.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 91.95 508.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 136.10 508.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 165.80 508.25 Td (requirement. ) Tj ET Q q 0 0 0 rg BT 219.45 508.25 Td (The ) Tj ET Q q 0 0 0 rg BT 238.05 508.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 263.89 508.25 Td (may ) Tj ET Q q 0 0 0 rg BT 284.16 508.25 Td (further ) Tj ET Q q 0 0 0 rg BT 314.42 508.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 336.36 508.25 Td (a ) Tj ET Q q 0 0 0 rg BT 343.86 508.25 Td (bank) Tj ET Q q 0 0 0 rg BT 366.07 508.25 Td (s ) Tj ET Q q 0 0 0 rg BT 373.02 508.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 401.63 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 412.46 508.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 429.95 508.25 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 474.39 508.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 513.42 508.25 Td (, ) Tj ET Q q 0 0 0 rg BT 518.97 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.24 508.25 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 86.15 496.25 Td (have ) Tj ET Q q 0 0 0 rg BT 106.75 496.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 133.47 496.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 160.19 496.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 204.13 496.25 Td (that ) Tj ET Q q 0 0 0 rg BT 220.84 496.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 253.12 496.25 Td (that ) Tj ET Q q 0 0 0 rg BT 269.83 496.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 301.00 496.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 326.05 496.25 Td (should ) Tj ET Q q 0 0 0 rg BT 354.44 496.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 393.37 496.25 Td (only ) Tj ET Q q 0 0 0 rg BT 412.87 496.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 429.03 496.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 469.64 496.25 Td (out ) Tj ET Q q 0 0 0 rg BT 484.15 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 494.20 496.25 Td (current ) Tj ET Q q 0 0 0 rg BT 524.24 496.25 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (earnings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 466.25 Td (Powers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.50 466.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 160.57 466.25 Td (law ) Tj ET Q q 0 0 0 rg BT 177.26 466.25 Td (permits ) Tj ET Q q 0 0 0 rg BT 209.50 466.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 260.07 466.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 285.65 466.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.68 466.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 311.82 466.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 352.38 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.07 466.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 391.87 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 408.56 466.25 Td (variable ) Tj ET Q q 0 0 0 rg BT 443.01 466.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 460.25 466.25 Td (annuities ) Tj ET Q q 0 0 0 rg BT 498.60 466.25 Td (if ) Tj ET Q q 0 0 0 rg BT 506.96 466.25 Td (licensed ) Tj ET Q q 0 0 0 rg BT 541.97 466.25 Td (to ) Tj ET Q q 0 0 0 rg BT 552.00 466.25 Td (do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (so ) Tj ET Q q 0 0 0 rg BT 61.95 454.25 Td (by ) Tj ET Q q 0 0 0 rg BT 75.00 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.28 454.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 141.65 454.25 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 183.57 454.25 Td (Department. ) Tj ET Q q 0 0 0 rg BT 236.11 454.25 Td (W) Tj ET Q q 0 0 0 rg BT 245.15 454.25 Td (ith ) Tj ET Q q 0 0 0 rg BT 258.76 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.03 454.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 296.53 454.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 334.57 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.95 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 361.23 454.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 412.60 454.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 462.86 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.25 454.25 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 513.69 454.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.64 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 90.15 442.25 Td (also ) Tj ET Q q 0 0 0 rg BT 108.56 442.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 153.07 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 163.16 442.25 Td (engage ) Tj ET Q q 0 0 0 rg BT 193.78 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 203.86 442.25 Td (a ) Tj ET Q q 0 0 0 rg BT 210.61 442.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 235.68 442.25 Td (range ) Tj ET Q q 0 0 0 rg BT 260.20 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 270.83 442.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 309.24 442.25 Td (related ) Tj ET Q q 0 0 0 rg BT 338.74 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 348.83 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.35 442.25 Td (business ) Tj ET Q q 0 0 0 rg BT 399.55 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 410.19 442.25 Td (banking, ) Tj ET Q q 0 0 0 rg BT 447.21 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 457.85 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 475.15 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 489.66 442.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 526.95 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 537.03 442.25 Td (nature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.12 430.25 Td (that ) Tj ET Q q 0 0 0 rg BT 76.90 430.25 Td (are ) Tj ET Q q 0 0 0 rg BT 90.90 430.25 Td (permitted ) Tj ET Q q 0 0 0 rg BT 131.01 430.25 Td (under ) Tj ET Q q 0 0 0 rg BT 155.57 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.58 430.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 192.47 430.25 Td (Holding ) Tj ET Q q 0 0 0 rg BT 227.04 430.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 267.32 430.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 283.55 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 293.67 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.68 430.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 333.90 430.25 Td (Owners) Tj ET Q q 0 0 0 rg BT 367.60 430.25 Td ( ) Tj ET Q q 0 0 0 rg BT 369.39 430.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 391.33 430.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 410.05 430.25 Td (both ) Tj ET Q q 0 0 0 rg BT 429.62 430.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 459.17 430.25 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 493.45 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 503.57 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.58 430.25 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (promulgated ) Tj ET Q q 0 0 0 rg BT 102.94 418.25 Td (as ) Tj ET Q q 0 0 0 rg BT 113.67 418.25 Td (a ) Tj ET Q q 0 0 0 rg BT 120.51 418.25 Td (result ) Tj ET Q q 0 0 0 rg BT 145.13 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 155.86 418.25 Td (these ) Tj ET Q q 0 0 0 rg BT 178.80 418.25 Td (statutes. ) Tj ET Q q 0 0 0 rg BT 213.70 418.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 264.42 418.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 290.15 418.25 Td (are ) Tj ET Q q 0 0 0 rg BT 304.76 418.25 Td (also ) Tj ET Q q 0 0 0 rg BT 323.26 418.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 367.87 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 378.04 418.25 Td (engage ) Tj ET Q q 0 0 0 rg BT 408.76 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 418.94 418.25 Td (any ) Tj ET Q q 0 0 0 rg BT 435.78 418.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 468.17 418.25 Td (permitted ) Tj ET Q q 0 0 0 rg BT 508.89 418.25 Td (for ) Tj ET Q q 0 0 0 rg BT 522.95 418.25 Td (a ) Tj ET Q q 0 0 0 rg BT 529.79 418.25 Td (national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 72.87 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 84.62 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 92.49 406.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 123.67 406.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 157.09 406.25 Td (association ) Tj ET Q q 0 0 0 rg BT 204.96 406.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 228.38 406.25 Td (filing ) Tj ET Q q 0 0 0 rg BT 253.47 406.25 Td (notice ) Tj ET Q q 0 0 0 rg BT 281.33 406.25 Td (with ) Tj ET Q q 0 0 0 rg BT 302.54 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 318.18 406.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 369.93 406.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 420.56 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.32 406.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 469.63 406.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 498.06 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 513.70 406.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 99.70 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.53 394.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 146.92 394.25 Td (disapproves ) Tj ET Q q 0 0 0 rg BT 197.19 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 211.90 394.25 Td (activity) Tj ET Q q 0 0 0 rg BT 241.25 394.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 376.25 Td (Assessments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.94 376.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 180.05 376.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 205.67 376.25 Td (are ) Tj ET Q q 0 0 0 rg BT 220.17 376.25 Td (required ) Tj ET Q q 0 0 0 rg BT 255.78 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 265.84 376.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 282.57 376.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 311.52 376.25 Td (assessments ) Tj ET Q q 0 0 0 rg BT 362.14 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.21 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.71 376.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 437.32 376.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 486.82 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 497.44 376.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 533.61 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 543.68 376.25 Td (fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 364.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 115.54 364.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 165.24 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 176.07 364.25 Td (Banking) Tj ET Q q 0 0 0 rg BT 212.73 364.25 Td (s ) Tj ET Q q 0 0 0 rg BT 219.13 364.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 265.60 364.25 Td (The ) Tj ET Q q 0 0 0 rg BT 283.65 364.25 Td (general ) Tj ET Q q 0 0 0 rg BT 315.57 364.25 Td (assessments ) Tj ET Q q 0 0 0 rg BT 366.40 364.25 Td (are ) Tj ET Q q 0 0 0 rg BT 381.11 364.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 400.83 364.25 Td (pro-rata ) Tj ET Q q 0 0 0 rg BT 434.97 364.25 Td (based ) Tj ET Q q 0 0 0 rg BT 460.24 364.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 482.74 364.25 Td (a ) Tj ET Q q 0 0 0 rg BT 489.68 364.25 Td (bank) Tj ET Q q 0 0 0 rg BT 511.89 364.25 Td (s ) Tj ET Q q 0 0 0 rg BT 518.29 364.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 540.22 364.25 Td (size.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 346.25 Td (Enfor) Tj ET Q q 0 0 0 rg BT 92.41 346.25 Td (cement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.22 346.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 158.78 346.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 210.16 346.25 Td (law) Tj ET Q q 0 0 0 rg BT 223.95 346.25 Td (, ) Tj ET Q q 0 0 0 rg BT 229.52 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.80 346.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 296.19 346.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 346.45 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.85 346.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 394.80 346.25 Td (has ) Tj ET Q q 0 0 0 rg BT 411.20 346.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 452.03 346.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 505.06 346.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 544.23 346.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 102.18 334.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 129.37 334.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 150.17 334.25 Td (under ) Tj ET Q q 0 0 0 rg BT 176.79 334.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 207.85 334.25 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 270.85 334.25 Td (af) Tj ET Q q 0 0 0 rg BT 278.44 334.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 310.62 334.25 Td (parties, ) Tj ET Q q 0 0 0 rg BT 343.63 334.25 Td (insiders, ) Tj ET Q q 0 0 0 rg BT 381.10 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 399.40 334.25 Td (agents. ) Tj ET Q q 0 0 0 rg BT 431.03 334.25 Td (The ) Tj ET Q q 0 0 0 rg BT 450.43 334.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 502.61 334.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 553.67 334.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (Banking) Tj ET Q q 0 0 0 rg BT 86.67 322.25 Td (s ) Tj ET Q q 0 0 0 rg BT 93.46 322.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 146.34 322.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 185.35 322.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 221.58 322.25 Td (cease ) Tj ET Q q 0 0 0 rg BT 246.14 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 263.48 322.25 Td (desist ) Tj ET Q q 0 0 0 rg BT 289.17 322.25 Td (orders, ) Tj ET Q q 0 0 0 rg BT 319.56 322.25 Td (fines, ) Tj ET Q q 0 0 0 rg BT 344.41 322.25 Td (receivership, ) Tj ET Q q 0 0 0 rg BT 398.68 322.25 Td (conservatorship, ) Tj ET Q q 0 0 0 rg BT 467.40 322.25 Td (removal ) Tj ET Q q 0 0 0 rg BT 503.07 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.31 322.25 Td (of) Tj ET Q q 0 0 0 rg BT 522.46 322.25 Td (ficers ) 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 (directors, ) Tj ET Q q 0 0 0 rg BT 89.99 310.25 Td (emer) Tj ET Q q 0 0 0 rg BT 109.79 310.25 Td (gency ) Tj ET Q q 0 0 0 rg BT 136.17 310.25 Td (closures, ) Tj ET Q q 0 0 0 rg BT 173.94 310.25 Td (dissolution ) Tj ET Q q 0 0 0 rg BT 220.33 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.27 310.25 Td (liquidation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (Federal Bank Holding Company Regulation) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 274.25 Td (General.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.27 274.25 Td () Tj ET Q q 0 0 0 rg BT 112.22 274.25 Td (As ) Tj ET Q q 0 0 0 rg BT 125.61 274.25 Td (a ) Tj ET Q q 0 0 0 rg BT 132.32 274.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 154.03 274.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 186.87 274.25 Td (company) Tj ET Q q 0 0 0 rg BT 222.87 274.25 Td (, ) Tj ET Q q 0 0 0 rg BT 227.65 274.25 Td (we ) Tj ET Q q 0 0 0 rg BT 241.58 274.25 Td (are ) Tj ET Q q 0 0 0 rg BT 256.06 274.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 286.67 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 296.72 274.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 359.53 274.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 402.34 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.06 274.25 Td (regular ) Tj ET Q q 0 0 0 rg BT 449.65 274.25 Td (examinations ) Tj ET Q q 0 0 0 rg BT 505.24 274.25 Td (by ) Tj ET Q q 0 0 0 rg BT 517.52 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.01 274.25 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 85.16 262.25 Td (Board. ) Tj ET Q q 0 0 0 rg BT 114.84 262.25 Td (The ) Tj ET Q q 0 0 0 rg BT 133.34 262.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 166.28 262.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 201.44 262.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 228.83 262.25 Td (also ) Tj ET Q q 0 0 0 rg BT 247.90 262.25 Td (has ) Tj ET Q q 0 0 0 rg BT 264.18 262.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 304.90 262.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 357.82 262.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 396.88 262.25 Td (over ) Tj ET Q q 0 0 0 rg BT 417.60 262.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 440.00 262.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 473.51 262.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 521.73 262.25 Td (including, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (among ) Tj ET Q q 0 0 0 rg BT 80.02 250.25 Td (other ) Tj ET Q q 0 0 0 rg BT 103.36 250.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 133.11 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.13 250.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 176.48 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 187.05 250.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 214.30 250.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 234.87 250.25 Td (money ) Tj ET Q q 0 0 0 rg BT 264.89 250.25 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 305.73 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 316.31 250.25 Td (issue ) Tj ET Q q 0 0 0 rg BT 339.10 250.25 Td (cease ) Tj ET Q q 0 0 0 rg BT 363.55 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.79 250.25 Td (desist ) Tj ET Q q 0 0 0 rg BT 406.36 250.25 Td (or ) Tj ET Q q 0 0 0 rg BT 417.49 250.25 Td (removal ) Tj ET Q q 0 0 0 rg BT 453.06 250.25 Td (orders ) Tj ET Q q 0 0 0 rg BT 480.85 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 498.08 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.66 250.25 Td (require ) Tj ET Q q 0 0 0 rg BT 539.78 250.25 Td (that ) Tj ET Q q 0 0 0 rg BT 557.57 250.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 72.04 238.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 105.19 238.25 Td (company ) Tj ET Q q 0 0 0 rg BT 144.45 238.25 Td (divest ) Tj ET Q q 0 0 0 rg BT 170.93 238.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 220.75 238.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 264.45 238.25 Td (its ) Tj ET Q q 0 0 0 rg BT 276.50 238.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 298.54 238.25 Td (subsidiaries\). ) Tj ET Q q 0 0 0 rg BT 354.18 238.25 Td (In ) Tj ET Q q 0 0 0 rg BT 365.11 238.25 Td (general, ) Tj ET Q q 0 0 0 rg BT 399.64 238.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 452.21 238.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 483.13 238.25 Td (may ) Tj ET Q q 0 0 0 rg BT 502.95 238.25 Td (be ) Tj ET Q q 0 0 0 rg BT 514.98 238.25 Td (initiated ) Tj ET Q q 0 0 0 rg BT 550.35 238.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (violations ) Tj ET Q q 0 0 0 rg BT 91.94 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 102.77 226.25 Td (law ) Tj ET Q q 0 0 0 rg BT 119.71 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 136.65 226.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 183.58 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.52 226.25 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 229.12 226.25 Td (or ) Tj ET Q q 0 0 0 rg BT 239.95 226.25 Td (unsound ) Tj ET Q q 0 0 0 rg BT 276.34 226.25 Td (practices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 208.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 97.60 208.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 130.19 208.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 165.00 208.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 192.04 208.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 219.64 208.25 Td (which ) Tj ET Q q 0 0 0 rg BT 246.68 208.25 Td (has ) Tj ET Q q 0 0 0 rg BT 262.62 208.25 Td (been ) Tj ET Q q 0 0 0 rg BT 284.10 208.25 Td (codified ) Tj ET Q q 0 0 0 rg BT 319.47 208.25 Td (by ) Tj ET Q q 0 0 0 rg BT 332.08 208.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.90 208.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 397.81 208.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 417.35 208.25 Td (a ) Tj ET Q q 0 0 0 rg BT 424.40 208.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 446.44 208.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 479.60 208.25 Td (company ) Tj ET Q q 0 0 0 rg BT 518.86 208.25 Td (must ) Tj ET Q q 0 0 0 rg BT 540.91 208.25 Td (serve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.79 196.25 Td (a ) Tj ET Q q 0 0 0 rg BT 67.70 196.25 Td (source ) Tj ET Q q 0 0 0 rg BT 96.26 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.05 196.25 Td (strength ) Tj ET Q q 0 0 0 rg BT 141.73 196.25 Td (for ) Tj ET Q q 0 0 0 rg BT 155.85 196.25 Td (its ) Tj ET Q q 0 0 0 rg BT 167.77 196.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 211.34 196.25 Td (bank. ) Tj ET Q q 0 0 0 rg BT 235.74 196.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 263.19 196.25 Td (this ) Tj ET Q q 0 0 0 rg BT 280.10 196.25 Td (policy) Tj ET Q q 0 0 0 rg BT 304.45 196.25 Td (, ) Tj ET Q q 0 0 0 rg BT 309.41 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 324.09 196.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 356.54 196.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 391.21 196.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 418.12 196.25 Td (may ) Tj ET Q q 0 0 0 rg BT 437.80 196.25 Td (require, ) Tj ET Q q 0 0 0 rg BT 471.07 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 487.98 196.25 Td (has ) Tj ET Q q 0 0 0 rg BT 503.77 196.25 Td (required ) Tj ET Q q 0 0 0 rg BT 539.55 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 196.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (past, ) Tj ET Q q 0 0 0 rg BT 71.45 184.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.73 184.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 101.01 184.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 134.41 184.25 Td (company ) Tj ET Q q 0 0 0 rg BT 173.91 184.25 Td (to ) Tj ET Q q 0 0 0 rg BT 184.53 184.25 Td (contribute ) Tj ET Q q 0 0 0 rg BT 227.91 184.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 270.74 184.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 300.23 184.25 Td (to ) Tj ET Q q 0 0 0 rg BT 310.85 184.25 Td (an ) Tj ET Q q 0 0 0 rg BT 323.13 184.25 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 392.05 184.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 436.00 184.25 Td (bank. ) Tj ET Q q 0 0 0 rg BT 460.15 184.25 Td (A) Tj ET Q q 0 0 0 rg BT 466.82 184.25 Td ( ) Tj ET Q q 0 0 0 rg BT 469.67 184.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 491.95 184.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 525.34 184.25 Td (company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (must ) Tj ET Q q 0 0 0 rg BT 73.04 172.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 101.63 172.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 135.21 172.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 171.02 172.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 199.05 172.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 237.63 172.25 Td (before: ) Tj ET Q q 0 0 0 rg BT 269.54 172.25 Td (\(1\)acquiring, ) Tj ET Q q 0 0 0 rg BT 327.56 172.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 361.70 172.25 Td (or ) Tj ET Q q 0 0 0 rg BT 373.62 172.25 Td (indirectly) Tj ET Q q 0 0 0 rg BT 411.29 172.25 Td (, ) Tj ET Q q 0 0 0 rg BT 417.39 172.25 Td (ownership ) Tj ET Q q 0 0 0 rg BT 462.64 172.25 Td (or ) Tj ET Q q 0 0 0 rg BT 474.57 172.25 Td (control ) Tj ET Q q 0 0 0 rg BT 506.49 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 518.42 172.25 Td (any ) Tj ET Q q 0 0 0 rg BT 536.45 172.25 Td (voting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.99 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 102.54 160.25 Td (another ) Tj ET Q q 0 0 0 rg BT 135.75 160.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 158.41 160.25 Td (or ) Tj ET Q q 0 0 0 rg BT 169.96 160.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 192.62 160.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 226.40 160.25 Td (company ) Tj ET Q q 0 0 0 rg BT 266.28 160.25 Td (if, ) Tj ET Q q 0 0 0 rg BT 278.11 160.25 Td (after ) Tj ET Q q 0 0 0 rg BT 299.65 160.25 Td (such ) Tj ET Q q 0 0 0 rg BT 321.20 160.25 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 370.81 160.25 Td (it ) Tj ET Q q 0 0 0 rg BT 379.58 160.25 Td (would ) Tj ET Q q 0 0 0 rg BT 407.81 160.25 Td (own ) Tj ET Q q 0 0 0 rg BT 428.25 160.25 Td (or ) Tj ET Q q 0 0 0 rg BT 439.80 160.25 Td (control ) Tj ET Q q 0 0 0 rg BT 471.35 160.25 Td (more ) Tj ET Q q 0 0 0 rg BT 495.12 160.25 Td (than ) Tj ET Q q 0 0 0 rg BT 515.56 160.25 Td (5% ) Tj ET Q q 0 0 0 rg BT 532.11 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 543.67 160.25 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.25 148.25 Td (\(unless ) Tj ET Q q 0 0 0 rg BT 121.06 148.25 Td (it ) Tj ET Q q 0 0 0 rg BT 129.10 148.25 Td (already ) Tj ET Q q 0 0 0 rg BT 161.00 148.25 Td (owns ) Tj ET Q q 0 0 0 rg BT 184.60 148.25 Td (or ) Tj ET Q q 0 0 0 rg BT 195.41 148.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 230.11 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.81 148.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 281.17 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 291.98 148.25 Td (such ) Tj ET Q q 0 0 0 rg BT 312.79 148.25 Td (securities\); ) Tj ET Q q 0 0 0 rg BT 359.15 148.25 Td (\(2\)acquiring ) Tj ET Q q 0 0 0 rg BT 413.55 148.25 Td (all ) Tj ET Q q 0 0 0 rg BT 426.03 148.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.84 148.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 489.88 148.25 Td (all ) Tj ET Q q 0 0 0 rg BT 502.35 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.17 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.86 148.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 553.68 148.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (another ) Tj ET Q q 0 0 0 rg BT 82.32 136.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 104.10 136.25 Td (or ) Tj ET Q q 0 0 0 rg BT 114.77 136.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 136.54 136.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 169.44 136.25 Td (company; ) Tj ET Q q 0 0 0 rg BT 211.21 136.25 Td (or ) Tj ET Q q 0 0 0 rg BT 221.88 136.25 Td (\(3\)mer) Tj ET Q q 0 0 0 rg BT 251.40 136.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 271.52 136.25 Td (or ) Tj ET Q q 0 0 0 rg BT 282.19 136.25 Td (consolidating ) Tj ET Q q 0 0 0 rg BT 338.41 136.25 Td (with ) Tj ET Q q 0 0 0 rg BT 358.52 136.25 Td (another ) Tj ET Q q 0 0 0 rg BT 390.85 136.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 412.62 136.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 445.52 136.25 Td (company) Tj ET Q q 0 0 0 rg BT 481.52 136.25 Td (. ) Tj ET Q q 0 0 0 rg BT 486.36 136.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 513.69 136.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 85.20 124.25 Td (law) Tj ET Q q 0 0 0 rg BT 98.99 124.25 Td (, ) Tj ET Q q 0 0 0 rg BT 104.48 124.25 Td (no ) Tj ET Q q 0 0 0 rg BT 117.47 124.25 Td (person ) Tj ET Q q 0 0 0 rg BT 147.12 124.25 Td (may ) Tj ET Q q 0 0 0 rg BT 167.32 124.25 Td (acquire ) Tj ET Q q 0 0 0 rg BT 199.73 124.25 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 242.14 124.25 Td (ownership ) Tj ET Q q 0 0 0 rg BT 286.78 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.10 124.25 Td (more ) Tj ET Q q 0 0 0 rg BT 321.64 124.25 Td (than ) Tj ET Q q 0 0 0 rg BT 341.84 124.25 Td (10% ) Tj ET Q q 0 0 0 rg BT 363.16 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.47 124.25 Td (any ) Tj ET Q q 0 0 0 rg BT 391.90 124.25 Td (class ) Tj ET Q q 0 0 0 rg BT 414.33 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.64 124.25 Td (voting ) Tj ET Q q 0 0 0 rg BT 454.19 124.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 494.94 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.26 124.25 Td (a ) Tj ET Q q 0 0 0 rg BT 513.68 124.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 90.86 112.25 Td (bank, ) Tj ET Q q 0 0 0 rg BT 116.46 112.25 Td (or ) Tj ET Q q 0 0 0 rg BT 128.46 112.25 Td (any ) Tj ET Q q 0 0 0 rg BT 146.57 112.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 169.67 112.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 203.90 112.25 Td (company ) Tj ET Q q 0 0 0 rg BT 244.22 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.22 112.25 Td (such ) Tj ET Q q 0 0 0 rg BT 278.21 112.25 Td (a ) Tj ET Q q 0 0 0 rg BT 286.32 112.25 Td (bank, ) Tj ET Q q 0 0 0 rg BT 311.92 112.25 Td (without ) Tj ET Q q 0 0 0 rg BT 346.15 112.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 369.25 112.25 Td (notification ) Tj ET Q q 0 0 0 rg BT 419.02 112.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 433.52 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 451.62 112.25 Td (lack ) Tj ET Q q 0 0 0 rg BT 471.94 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.94 112.25 Td (disapproval ) Tj ET Q q 0 0 0 rg BT 534.26 112.25 Td (by) Tj ET Q q 0 0 0 rg BT 543.61 112.25 Td (, ) Tj ET Q q 0 0 0 rg BT 549.78 112.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 100.82 100.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 150.52 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 161.35 100.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 82.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.29 82.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 112.15 82.25 Td (Holding ) Tj ET Q q 0 0 0 rg BT 147.68 82.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 188.71 82.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 205.89 82.25 Td (also ) Tj ET Q q 0 0 0 rg BT 224.75 82.25 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 263.05 82.25 Td (a ) Tj ET Q q 0 0 0 rg BT 270.24 82.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 292.43 82.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 325.73 82.25 Td (company) Tj ET Q q 0 0 0 rg BT 361.74 82.25 Td (, ) Tj ET Q q 0 0 0 rg BT 366.98 82.25 Td (with ) Tj ET Q q 0 0 0 rg BT 387.51 82.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 417.46 82.25 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 465.47 82.25 Td (from ) Tj ET Q q 0 0 0 rg BT 487.66 82.25 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 528.17 82.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 553.68 82.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 82.66 70.25 Td (ownership ) Tj ET Q q 0 0 0 rg BT 126.43 70.25 Td (or ) Tj ET Q q 0 0 0 rg BT 136.87 70.25 Td (control ) Tj ET Q q 0 0 0 rg BT 167.31 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 177.75 70.25 Td (more ) Tj ET Q q 0 0 0 rg BT 200.41 70.25 Td (than ) Tj ET Q q 0 0 0 rg BT 219.74 70.25 Td (5% ) Tj ET Q q 0 0 0 rg BT 235.19 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 245.63 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 259.96 70.25 Td (voting ) Tj ET Q q 0 0 0 rg BT 287.63 70.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 314.73 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.18 70.25 Td (any ) Tj ET Q q 0 0 0 rg BT 341.73 70.25 Td (company ) Tj ET Q q 0 0 0 rg BT 380.50 70.25 Td (which ) Tj ET Q q 0 0 0 rg BT 407.05 70.25 Td (is ) Tj ET Q q 0 0 0 rg BT 415.83 70.25 Td (not ) Tj ET Q q 0 0 0 rg BT 430.72 70.25 Td (a ) Tj ET Q q 0 0 0 rg BT 437.28 70.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 458.83 70.25 Td (or ) Tj ET Q q 0 0 0 rg BT 469.27 70.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 490.82 70.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 523.49 70.25 Td (company) Tj ET Q q 0 0 0 rg BT 559.50 70.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.66 58.25 Td (from ) Tj ET Q q 0 0 0 rg BT 84.42 58.25 Td (engaging ) Tj ET Q q 0 0 0 rg BT 124.41 58.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 158.28 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 169.93 58.25 Td (indirectly ) Tj ET Q q 0 0 0 rg BT 211.58 58.25 Td (in ) Tj ET Q q 0 0 0 rg BT 222.69 58.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 262.11 58.25 Td (other ) Tj ET Q q 0 0 0 rg BT 285.99 58.25 Td (than ) Tj ET Q q 0 0 0 rg BT 306.53 58.25 Td (those ) Tj ET Q q 0 0 0 rg BT 330.97 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 342.63 58.25 Td (banking, ) Tj ET Q q 0 0 0 rg BT 380.67 58.25 Td (managing ) Tj ET Q q 0 0 0 rg BT 423.43 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 435.09 58.25 Td (controlling ) Tj ET Q q 0 0 0 rg BT 482.30 58.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 511.46 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 523.12 58.25 Td (providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (services ) Tj ET Q q 0 0 0 rg BT 84.99 46.25 Td (for ) Tj ET Q q 0 0 0 rg BT 99.44 46.25 Td (its ) Tj ET Q q 0 0 0 rg BT 111.67 46.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 163.97 46.25 Td (The ) Tj ET Q q 0 0 0 rg BT 182.30 46.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 220.63 46.25 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 266.18 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 276.74 46.25 Td (these ) Tj ET Q q 0 0 0 rg BT 300.07 46.25 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 351.19 46.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 383.97 46.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 413.96 46.25 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 454.51 46.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 493.39 46.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 523.12 46.25 Td (by ) Tj ET Q q 0 0 0 rg BT 535.90 46.25 Td (statute ) 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 301.15 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 (or ) Tj ET Q q 0 0 0 rg BT 61.14 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 73.95 742.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 106.74 742.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 141.76 742.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 169.01 742.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 212.36 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.50 742.10 Td (order) Tj ET Q q 0 0 0 rg BT 244.19 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 249.50 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 271.19 742.10 Td (been ) Tj ET Q q 0 0 0 rg BT 292.88 742.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 334.01 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 345.14 742.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 384.05 742.10 Td (closely ) Tj ET Q q 0 0 0 rg BT 415.19 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 445.20 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.79 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.81 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 507.51 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.65 742.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 553.68 742.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 93.23 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 105.37 730.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 153.05 730.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 182.40 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 201.75 730.10 Td (list ) Tj ET Q q 0 0 0 rg BT 217.78 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.91 730.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 269.81 730.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 311.93 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 325.73 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.75 730.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 375.54 730.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 411.54 730.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 439.78 730.10 Td (includes, ) Tj ET Q q 0 0 0 rg BT 479.41 730.10 Td (among ) Tj ET Q q 0 0 0 rg BT 510.43 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 534.77 730.10 Td (things: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (\(1\)operating ) Tj ET Q q 0 0 0 rg BT 103.26 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 109.04 718.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 140.38 718.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 184.78 718.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 223.88 718.10 Td (company) Tj ET Q q 0 0 0 rg BT 259.89 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 263.73 718.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 294.49 718.10 Td (company) Tj ET Q q 0 0 0 rg BT 330.50 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 334.34 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.44 718.10 Td (card ) Tj ET Q q 0 0 0 rg BT 376.99 718.10 Td (company ) Tj ET Q q 0 0 0 rg BT 414.98 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 424.65 718.10 Td (factoring ) Tj ET Q q 0 0 0 rg BT 462.08 718.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 502.86 718.10 Td (\(2\)performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 81.21 706.10 Td (data ) Tj ET Q q 0 0 0 rg BT 101.87 706.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 148.64 706.10 Td (operations; ) Tj ET Q q 0 0 0 rg BT 197.08 706.10 Td (\(3\)providing ) Tj ET Q q 0 0 0 rg BT 254.13 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 285.33 706.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 333.22 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.66 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 390.65 706.10 Td (advice; ) Tj ET Q q 0 0 0 rg BT 423.53 706.10 Td (\(4\)underwriting ) Tj ET Q q 0 0 0 rg BT 493.35 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.79 706.10 Td (acting ) Tj ET Q q 0 0 0 rg BT 540.23 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 552.56 706.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.44 694.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 114.23 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 128.01 694.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 157.34 694.10 Td (types ) Tj ET Q q 0 0 0 rg BT 180.58 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.04 694.10 Td (credit-related ) Tj ET Q q 0 0 0 rg BT 246.46 694.10 Td (insurance; ) Tj ET Q q 0 0 0 rg BT 289.68 694.10 Td (\(5\)leasing ) Tj ET Q q 0 0 0 rg BT 334.30 694.10 Td (property ) Tj ET Q q 0 0 0 rg BT 370.30 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 382.43 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.00 694.10 Td (full-payout, ) Tj ET Q q 0 0 0 rg BT 438.06 694.10 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 496.28 694.10 Td (basis; ) Tj ET Q q 0 0 0 rg BT 521.19 694.10 Td (\(6\)selling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (money ) Tj ET Q q 0 0 0 rg BT 79.84 682.10 Td (orders, ) Tj ET Q q 0 0 0 rg BT 109.94 682.10 Td (travelers) Tj ET Q q 0 0 0 rg BT 146.96 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.57 682.10 Td (checks ) Tj ET Q q 0 0 0 rg BT 179.40 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.46 682.10 Td (United ) Tj ET Q q 0 0 0 rg BT 226.29 682.10 Td (States ) Tj ET Q q 0 0 0 rg BT 252.80 682.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 285.42 682.10 Td (bonds; ) Tj ET Q q 0 0 0 rg BT 314.71 682.10 Td (\(7\)real ) Tj ET Q q 0 0 0 rg BT 346.47 682.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 371.85 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.91 682.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 425.40 682.10 Td (property ) Tj ET Q q 0 0 0 rg BT 461.90 682.10 Td (appraising; ) Tj ET Q q 0 0 0 rg BT 508.95 682.10 Td (\(8\)providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.64 670.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 102.06 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.92 670.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 166.87 670.10 Td (services; ) Tj ET Q q 0 0 0 rg BT 204.28 670.10 Td (\(9\)financing ) Tj ET Q q 0 0 0 rg BT 258.62 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.48 670.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 314.57 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 324.77 670.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 354.39 670.10 Td (community ) Tj ET Q q 0 0 0 rg BT 402.37 670.10 Td (development ) Tj ET Q q 0 0 0 rg BT 456.44 670.10 Td (activities; ) Tj ET Q q 0 0 0 rg BT 497.74 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.60 670.10 Td (\(10\) ) Tj ET Q q 0 0 0 rg BT 533.68 670.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 658.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 89.98 658.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 137.76 658.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 179.15 658.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 219.41 658.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 261.88 658.10 Td (services ) Tj ET Q q 0 0 0 rg BT 296.59 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 310.75 658.10 Td (customers.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 640.10 Td (Dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.05 640.10 Td () Tj ET Q q 0 0 0 rg BT 120.37 640.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.96 640.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 171.99 640.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 207.24 640.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 234.72 640.10 Td (has ) Tj ET Q q 0 0 0 rg BT 251.10 640.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 279.14 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 286.62 640.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 314.66 640.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 356.03 640.10 Td (on ) Tj ET Q q 0 0 0 rg BT 369.07 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.33 640.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 421.81 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.19 640.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 454.00 640.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 495.93 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 508.97 640.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.46 640.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 98.02 628.10 Td (which ) Tj ET Q q 0 0 0 rg BT 125.21 628.10 Td (expresses ) Tj ET Q q 0 0 0 rg BT 166.29 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.26 628.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 214.01 628.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 248.97 628.10 Td (Board) Tj ET Q q 0 0 0 rg BT 276.19 628.10 Td (s ) Tj ET Q q 0 0 0 rg BT 282.83 628.10 Td (view ) Tj ET Q q 0 0 0 rg BT 305.03 628.10 Td (that ) Tj ET Q q 0 0 0 rg BT 322.78 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 329.98 628.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 352.17 628.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 385.48 628.10 Td (company ) Tj ET Q q 0 0 0 rg BT 424.90 628.10 Td (should ) Tj ET Q q 0 0 0 rg BT 454.32 628.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 471.52 628.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 492.04 628.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 533.68 628.10 Td (only ) Tj ET Q q 0 0 0 rg BT 554.22 628.10 Td (to ) 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 64.61 616.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 91.44 616.10 Td (that ) Tj ET Q q 0 0 0 rg BT 108.83 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.45 616.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 146.95 616.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 182.13 616.10 Td (Company) Tj ET Q q 0 0 0 rg BT 223.79 616.10 Td (s ) Tj ET Q q 0 0 0 rg BT 230.08 616.10 Td (net ) Tj ET Q q 0 0 0 rg BT 244.69 616.10 Td (income ) Tj ET Q q 0 0 0 rg BT 276.52 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 290.58 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.19 616.10 Td (past ) Tj ET Q q 0 0 0 rg BT 323.70 616.10 Td (year ) Tj ET Q q 0 0 0 rg BT 343.30 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 352.37 616.10 Td (suf) Tj ET Q q 0 0 0 rg BT 364.41 616.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 392.35 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.52 616.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 427.13 616.10 Td (both ) Tj ET Q q 0 0 0 rg BT 447.30 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.92 616.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 482.08 616.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 523.36 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.20 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 547.03 616.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.81 604.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 95.16 604.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 132.18 604.10 Td (that ) Tj ET Q q 0 0 0 rg BT 148.65 604.10 Td (is ) Tj ET Q q 0 0 0 rg BT 156.79 604.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 198.27 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 217.52 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.21 604.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 253.80 604.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 288.05 604.10 Td (Company) Tj ET Q q 0 0 0 rg BT 329.72 604.10 Td (s ) Tj ET Q q 0 0 0 rg BT 335.08 604.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.21 604.10 Td (needs, ) Tj ET Q q 0 0 0 rg BT 389.96 604.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 410.87 604.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 440.12 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.03 604.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 485.27 604.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.73 604.10 Td (condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.27 592.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 98.98 592.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 132.92 592.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 159.08 592.10 Td (also ) Tj ET Q q 0 0 0 rg BT 176.92 592.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 215.29 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 232.01 592.10 Td (it ) Tj ET Q q 0 0 0 rg BT 239.30 592.10 Td (would ) Tj ET Q q 0 0 0 rg BT 266.02 592.10 Td (be ) Tj ET Q q 0 0 0 rg BT 277.19 592.10 Td (inappropriate ) Tj ET Q q 0 0 0 rg BT 332.22 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 345.61 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.77 592.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 372.94 592.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 405.22 592.10 Td (company ) Tj ET Q q 0 0 0 rg BT 443.60 592.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 496.97 592.10 Td (serious ) Tj ET Q q 0 0 0 rg BT 527.03 592.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (problems ) Tj ET Q q 0 0 0 rg BT 90.49 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.53 580.10 Td (borrow ) Tj ET Q q 0 0 0 rg BT 133.68 580.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 159.17 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.22 580.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 187.93 580.10 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 231.86 580.10 Td (As ) Tj ET Q q 0 0 0 rg BT 246.25 580.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 287.85 580.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 317.49 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.98 580.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 366.23 580.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 401.71 580.10 Td (Board) Tj ET Q q 0 0 0 rg BT 428.92 580.10 Td (s ) Tj ET Q q 0 0 0 rg BT 436.08 580.10 Td (Small ) Tj ET Q q 0 0 0 rg BT 462.69 580.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 487.07 580.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 523.11 580.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 78.06 568.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 120.55 568.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 156.37 568.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 200.54 568.10 Td (regulating ) Tj ET Q q 0 0 0 rg BT 243.58 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.30 568.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 295.23 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.06 568.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 347.45 568.10 Td (by ) Tj ET Q q 0 0 0 rg BT 359.95 568.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 405.21 568.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 436.04 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.32 568.10 Td (that ) Tj ET Q q 0 0 0 rg BT 463.81 568.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 491.31 568.10 Td (statement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 550.10 Td (Substantially ) Tj ET Q q 0 0 0 rg BT 125.10 550.10 Td (all ) Tj ET Q q 0 0 0 rg BT 137.98 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.19 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 165.40 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 197.71 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 207.26 550.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 240.13 550.10 Td (from, ) Tj ET Q q 0 0 0 rg BT 264.94 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.26 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.36 550.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 335.78 550.10 Td (source ) Tj ET Q q 0 0 0 rg BT 364.76 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.97 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 392.18 550.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 428.95 550.10 Td (is, ) Tj ET Q q 0 0 0 rg BT 441.00 550.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 482.77 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 505.08 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.18 550.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 546.46 550.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 77.95 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.67 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.28 538.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 126.79 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.96 538.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 153.79 538.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 195.08 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.25 538.10 Td (us ) Tj ET Q q 0 0 0 rg BT 216.54 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 225.60 538.10 Td (also ) Tj ET Q q 0 0 0 rg BT 244.10 538.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 283.70 538.10 Td (by ) Tj ET Q q 0 0 0 rg BT 296.10 538.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 326.25 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.08 538.10 Td (state ) Tj ET Q q 0 0 0 rg BT 363.80 538.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 387.02 538.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 433.85 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.69 538.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 486.51 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 504.45 538.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 527.96 538.10 Td (may ) Tj ET Q q 0 0 0 rg BT 547.57 538.10 Td (pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.60 526.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 112.31 526.10 Td (out ) Tj ET Q q 0 0 0 rg BT 127.92 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.08 526.10 Td (its ) Tj ET Q q 0 0 0 rg BT 151.35 526.10 Td (net ) Tj ET Q q 0 0 0 rg BT 166.40 526.10 Td (profits. ) Tj ET Q q 0 0 0 rg BT 197.84 526.10 Td (For ) Tj ET Q q 0 0 0 rg BT 214.56 526.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 252.94 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.10 526.10 Td (this ) Tj ET Q q 0 0 0 rg BT 281.37 526.10 Td (restriction, ) Tj ET Q q 0 0 0 rg BT 327.24 526.10 Td (net ) Tj ET Q q 0 0 0 rg BT 346.73 526.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 380.10 526.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 423.47 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.51 526.10 Td (remainder ) Tj ET Q q 0 0 0 rg BT 481.88 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.03 526.10 Td (all ) Tj ET Q q 0 0 0 rg BT 505.86 526.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 542.56 526.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (current ) Tj ET Q q 0 0 0 rg BT 80.84 514.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 127.52 514.10 Td (Further) Tj ET Q q 0 0 0 rg BT 156.56 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 161.59 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.33 514.10 Td (total ) Tj ET Q q 0 0 0 rg BT 196.63 514.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 229.16 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.01 514.10 Td (all ) Tj ET Q q 0 0 0 rg BT 252.53 514.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 293.95 514.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 330.34 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 342.86 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.83 514.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 371.79 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 382.10 514.10 Td (any ) Tj ET Q q 0 0 0 rg BT 399.06 514.10 Td (year ) Tj ET Q q 0 0 0 rg BT 418.80 514.10 Td (may ) Tj ET Q q 0 0 0 rg BT 438.54 514.10 Td (not ) Tj ET Q q 0 0 0 rg BT 453.85 514.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 484.13 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.87 514.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 518.07 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.93 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 535.89 514.10 Td (bank) Tj ET Q q 0 0 0 rg BT 558.11 514.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 502.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 93.33 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 107.49 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.20 502.10 Td (past ) Tj ET Q q 0 0 0 rg BT 140.81 502.10 Td (two ) Tj ET Q q 0 0 0 rg BT 158.31 502.10 Td (fiscalyears, ) Tj ET Q q 0 0 0 rg BT 208.56 502.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 227.73 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.45 502.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 273.84 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.67 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.38 502.10 Td (year ) Tj ET Q q 0 0 0 rg BT 319.09 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 329.37 502.10 Td (which ) Tj ET Q q 0 0 0 rg BT 356.31 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.03 502.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 408.52 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 417.69 502.10 Td (paid.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 484.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 97.56 484.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 127.87 484.10 Td (law) Tj ET Q q 0 0 0 rg BT 141.66 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.73 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.51 484.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 185.18 484.10 Td (may ) Tj ET Q q 0 0 0 rg BT 204.96 484.10 Td (not ) Tj ET Q q 0 0 0 rg BT 220.31 484.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 237.31 484.10 Td (any ) Tj ET Q q 0 0 0 rg BT 254.31 484.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 291.88 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.22 484.10 Td (us ) Tj ET Q q 0 0 0 rg BT 313.67 484.10 Td (if ) Tj ET Q q 0 0 0 rg BT 322.35 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.13 484.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 360.80 484.10 Td (is ) Tj ET Q q 0 0 0 rg BT 370.04 484.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 438.68 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 449.57 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.35 484.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 501.35 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.25 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.03 484.10 Td (dividend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.34 472.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 101.89 472.10 Td (it ) Tj ET Q q 0 0 0 rg BT 109.78 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 119.90 472.10 Td (become ) Tj ET Q q 0 0 0 rg BT 153.34 472.10 Td (undercapitalized. ) Tj ET Q q 0 0 0 rg BT 224.25 472.10 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 268.26 472.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 311.70 472.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 336.54 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.09 472.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 375.65 472.10 Td (III ) Tj ET Q q 0 0 0 rg BT 387.98 472.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 419.20 472.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 444.32 472.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 465.55 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.11 472.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 512.45 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.12 472.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.34 460.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 87.56 460.10 Td (can ) Tj ET Q q 0 0 0 rg BT 103.56 460.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 120.12 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.01 460.10 Td (us ) Tj ET Q q 0 0 0 rg BT 141.03 460.10 Td (if ) Tj ET Q q 0 0 0 rg BT 149.25 460.10 Td (its ) Tj ET Q q 0 0 0 rg BT 160.82 460.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 189.59 460.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 213.93 460.10 Td (are ) Tj ET Q q 0 0 0 rg BT 228.25 460.10 Td (below ) Tj ET Q q 0 0 0 rg BT 254.81 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.15 460.10 Td (threshold ) Tj ET Q q 0 0 0 rg BT 308.48 460.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 333.93 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.38 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.71 460.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 387.48 460.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 440.69 460.10 Td (buf) Tj ET Q q 0 0 0 rg BT 453.84 460.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 467.06 460.10 Td (established ) Tj ET Q q 0 0 0 rg BT 513.61 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 525.73 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.07 460.10 Td (rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.86 448.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 96.83 448.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 150.24 448.10 Td (buf) Tj ET Q q 0 0 0 rg BT 163.39 448.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 176.81 448.10 Td (was ) Tj ET Q q 0 0 0 rg BT 194.68 448.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 224.76 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.86 448.10 Td (from ) Tj ET Q q 0 0 0 rg BT 256.61 448.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 300.03 448.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 322.34 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.44 448.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 375.85 448.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 400.67 448.10 Td (when ) Tj ET Q q 0 0 0 rg BT 424.65 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.18 448.10 Td (full ) Tj ET Q q 0 0 0 rg BT 455.39 448.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 484.35 448.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 537.76 448.10 Td (buf) Tj ET Q q 0 0 0 rg BT 550.91 448.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.53 436.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 83.57 436.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 97.43 436.10 Td (apercentage ) Tj ET Q q 0 0 0 rg BT 149.87 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.41 436.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 217.60 436.10 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 246.46 436.10 Td (became ) Tj ET Q q 0 0 0 rg BT 279.20 436.10 Td (ef) Tj ET Q q 0 0 0 rg BT 286.78 436.10 Td (fective. ) Tj ET Q q 0 0 0 rg BT 318.53 436.10 Td (The ) Tj ET Q q 0 0 0 rg BT 336.28 436.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 365.13 436.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 418.43 436.10 Td (buf) Tj ET Q q 0 0 0 rg BT 431.58 436.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 444.88 436.10 Td (is ) Tj ET Q q 0 0 0 rg BT 453.76 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 463.74 436.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 498.72 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.70 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 436.10 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 93.02 424.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.59 424.10 Td (requirement. ) Tj ET Q q 0 0 0 rg BT 174.18 424.10 Td (The ) Tj ET Q q 0 0 0 rg BT 191.64 424.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 216.35 424.10 Td (may ) Tj ET Q q 0 0 0 rg BT 235.48 424.10 Td (further ) Tj ET Q q 0 0 0 rg BT 264.61 424.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 294.29 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.43 424.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 344.78 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.03 424.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 395.83 424.10 Td (by ) Tj ET Q q 0 0 0 rg BT 407.75 424.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 446.33 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.46 424.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 483.49 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.19 424.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 530.10 424.10 Td (a ) Tj ET Q q 0 0 0 rg BT 536.45 424.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (level ) Tj ET Q q 0 0 0 rg BT 72.02 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.94 412.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 112.18 412.10 Td (than ) Tj ET Q q 0 0 0 rg BT 131.98 412.10 Td (would ) Tj ET Q q 0 0 0 rg BT 159.57 412.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 201.04 412.10 Td (be ) Tj ET Q q 0 0 0 rg BT 213.06 412.10 Td (required ) Tj ET Q q 0 0 0 rg BT 248.96 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 263.21 412.10 Td (it ) Tj ET Q q 0 0 0 rg BT 271.36 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.72 412.10 Td (be ) Tj ET Q q 0 0 0 rg BT 293.75 412.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 339.65 412.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 385.54 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 399.79 412.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 443.47 412.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 484.11 412.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 523.14 412.10 Td (, ) Tj ET Q q 0 0 0 rg BT 528.23 412.10 Td (if, ) Tj ET Q q 0 0 0 rg BT 539.42 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 412.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 83.12 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.01 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.79 400.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 136.64 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.42 400.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 175.09 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 184.32 400.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 220.20 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 230.54 400.10 Td (an ) Tj ET Q q 0 0 0 rg BT 242.54 400.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 271.20 400.10 Td (or ) Tj ET Q q 0 0 0 rg BT 282.09 400.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 318.55 400.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 352.75 400.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 383.08 400.10 Td (could ) Tj ET Q q 0 0 0 rg BT 407.86 400.10 Td (include ) Tj ET Q q 0 0 0 rg BT 439.86 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.64 400.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 491.63 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.52 400.10 Td (dividends\), ) Tj ET Q q 0 0 0 rg BT 549.80 400.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 74.91 388.10 Td (may ) Tj ET Q q 0 0 0 rg BT 94.26 388.10 Td (require, ) Tj ET Q q 0 0 0 rg BT 127.21 388.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 166.54 388.10 Td (after ) Tj ET Q q 0 0 0 rg BT 186.98 388.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 213.55 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.12 388.10 Td (hearing, ) Tj ET Q q 0 0 0 rg BT 264.73 388.10 Td (it ) Tj ET Q q 0 0 0 rg BT 272.42 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.33 388.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 306.10 388.10 Td (such ) Tj ET Q q 0 0 0 rg BT 326.57 388.10 Td (practice. ) Tj ET Q q 0 0 0 rg BT 362.68 388.10 Td (The ) Tj ET Q q 0 0 0 rg BT 380.36 388.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 405.27 388.10 Td (has ) Tj ET Q q 0 0 0 rg BT 420.73 388.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 459.51 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 476.64 388.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 505.99 388.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 547.00 388.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (deplete ) Tj ET Q q 0 0 0 rg BT 80.67 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 86.90 376.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 130.91 376.10 Td (institution) Tj ET Q q 0 0 0 rg BT 174.25 376.10 Td (s ) Tj ET Q q 0 0 0 rg BT 179.94 376.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 208.38 376.10 Td (base ) Tj ET Q q 0 0 0 rg BT 227.94 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.52 376.10 Td (an ) Tj ET Q q 0 0 0 rg BT 248.75 376.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 293.85 376.10 Td (level ) Tj ET Q q 0 0 0 rg BT 315.08 376.10 Td (would ) Tj ET Q q 0 0 0 rg BT 341.88 376.10 Td (be ) Tj ET Q q 0 0 0 rg BT 353.11 376.10 Td (an ) Tj ET Q q 0 0 0 rg BT 364.34 376.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 392.24 376.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 426.25 376.10 Td (practice. ) Tj ET Q q 0 0 0 rg BT 462.05 376.10 Td (The ) Tj ET Q q 0 0 0 rg BT 479.39 376.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 503.97 376.10 Td (has ) Tj ET Q q 0 0 0 rg BT 519.10 376.10 Td (also ) Tj ET Q q 0 0 0 rg BT 537.00 376.10 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 78.50 364.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 124.23 364.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 166.62 364.10 Td (that ) Tj ET Q q 0 0 0 rg BT 185.13 364.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 218.08 364.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 263.80 364.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 311.77 364.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 352.48 364.10 Td (should ) Tj ET Q q 0 0 0 rg BT 382.66 364.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 400.61 364.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 443.00 364.10 Td (only ) Tj ET Q q 0 0 0 rg BT 464.29 364.10 Td (out ) Tj ET Q q 0 0 0 rg BT 480.58 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.42 364.10 Td (current ) Tj ET Q q 0 0 0 rg BT 524.24 364.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (earnings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 334.10 Td (Redemption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.26 334.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 151.37 334.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 184.42 334.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 229.68 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 244.39 334.10 Td (required ) Tj ET Q q 0 0 0 rg BT 280.20 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.47 334.10 Td (give ) Tj ET Q q 0 0 0 rg BT 310.19 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.90 334.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 357.38 334.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 392.08 334.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 419.02 334.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.96 334.10 Td (written ) Tj ET Q q 0 0 0 rg BT 471.78 334.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 498.71 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.53 334.10 Td (any ) Tj ET Q q 0 0 0 rg BT 526.47 334.10 Td (purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.72 322.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 108.65 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.36 322.10 Td (its ) Tj ET Q q 0 0 0 rg BT 131.20 322.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 180.25 322.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 207.63 322.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 247.78 322.10 Td (if ) Tj ET Q q 0 0 0 rg BT 256.28 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.88 322.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 294.38 322.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 350.64 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 364.69 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.29 322.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 417.21 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 427.93 322.10 Td (redemption, ) Tj ET Q q 0 0 0 rg BT 478.36 322.10 Td (when ) Tj ET Q q 0 0 0 rg BT 502.41 322.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 544.23 322.10 Td (with ) 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 64.75 310.10 Td (net ) Tj ET Q q 0 0 0 rg BT 79.50 310.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 135.91 310.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 155.67 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.86 310.10 Td (all ) Tj ET Q q 0 0 0 rg BT 182.39 310.10 Td (such ) Tj ET Q q 0 0 0 rg BT 203.26 310.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 245.22 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 256.09 310.10 Td (redemptions ) Tj ET Q q 0 0 0 rg BT 308.06 310.10 Td (during ) Tj ET Q q 0 0 0 rg BT 336.70 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.45 310.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 393.41 310.10 Td (12months, ) Tj ET Q q 0 0 0 rg BT 440.40 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 449.60 310.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 473.79 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.11 310.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 504.97 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 515.84 310.10 Td (more ) Tj ET Q q 0 0 0 rg BT 538.92 310.10 Td (of ) 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 (consolidated ) Tj ET Q q 0 0 0 rg BT 102.51 298.10 Td (net ) Tj ET Q q 0 0 0 rg BT 116.70 298.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 142.00 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.30 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.48 298.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 189.56 298.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 224.31 298.10 Td (Company) Tj ET Q q 0 0 0 rg BT 262.54 298.10 Td (. ) Tj ET Q q 0 0 0 rg BT 266.87 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 284.39 298.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 316.34 298.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 350.52 298.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 376.93 298.10 Td (may ) Tj ET Q q 0 0 0 rg BT 396.11 298.10 Td (disapprove ) Tj ET Q q 0 0 0 rg BT 441.96 298.10 Td (such ) Tj ET Q q 0 0 0 rg BT 462.26 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 468.67 298.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 506.17 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 516.47 298.10 Td (redemption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (if ) Tj ET Q q 0 0 0 rg BT 59.12 286.10 Td (it ) Tj ET Q q 0 0 0 rg BT 67.69 286.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 114.58 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 132.58 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.81 286.10 Td (proposal ) Tj ET Q q 0 0 0 rg BT 185.26 286.10 Td (would ) Tj ET Q q 0 0 0 rg BT 213.28 286.10 Td (constitute ) Tj ET Q q 0 0 0 rg BT 255.17 286.10 Td (an ) Tj ET Q q 0 0 0 rg BT 267.62 286.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 296.73 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 308.08 286.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 344.98 286.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 379.63 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 390.98 286.10 Td (would ) Tj ET Q q 0 0 0 rg BT 418.99 286.10 Td (violate ) Tj ET Q q 0 0 0 rg BT 449.21 286.10 Td (any ) Tj ET Q q 0 0 0 rg BT 466.67 286.10 Td (law) Tj ET Q q 0 0 0 rg BT 480.45 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 485.97 286.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 532.02 286.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 86.00 274.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 114.23 274.10 Td (order ) Tj ET Q q 0 0 0 rg BT 139.12 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 151.24 274.10 Td (any ) Tj ET Q q 0 0 0 rg BT 169.47 274.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 211.04 274.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 248.71 274.10 Td (by) Tj ET Q q 0 0 0 rg BT 258.06 274.10 Td (, ) Tj ET Q q 0 0 0 rg BT 264.36 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 276.48 274.10 Td (written ) Tj ET Q q 0 0 0 rg BT 308.59 274.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 354.03 274.10 Td (with, ) Tj ET Q q 0 0 0 rg BT 378.10 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.10 274.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 427.88 274.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 463.88 274.10 Td (Board. ) Tj ET Q q 0 0 0 rg BT 494.33 274.10 Td (This ) Tj ET Q q 0 0 0 rg BT 515.90 274.10 Td (notification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 100.95 262.10 Td (does ) Tj ET Q q 0 0 0 rg BT 121.93 262.10 Td (not ) Tj ET Q q 0 0 0 rg BT 137.35 262.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 162.21 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 172.63 262.10 Td (any ) Tj ET Q q 0 0 0 rg BT 189.71 262.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 211.79 262.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 244.99 262.10 Td (company ) Tj ET Q q 0 0 0 rg BT 284.29 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 301.93 262.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 314.01 262.10 Td (meets ) Tj ET Q q 0 0 0 rg BT 339.98 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.84 262.10 Td (well ) Tj ET Q q 0 0 0 rg BT 374.70 262.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 420.65 262.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 457.17 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 471.47 262.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 521.31 262.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 549.78 262.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.14 250.10 Td (well ) Tj ET Q q 0 0 0 rg BT 81.26 250.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 123.26 250.10 Td (within ) Tj ET Q q 0 0 0 rg BT 150.29 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.97 250.10 Td (meaning ) Tj ET Q q 0 0 0 rg BT 199.88 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.68 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.36 250.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 254.82 250.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 288.49 250.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 314.40 250.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 360.30 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.21 250.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 392.67 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 400.81 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 415.06 250.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 444.85 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.10 250.10 Td (any ) Tj ET Q q 0 0 0 rg BT 470.01 250.10 Td (unresolved ) Tj ET Q q 0 0 0 rg BT 515.35 250.10 Td (supervisory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (issues. ) Tj ET Q q 0 0 0 rg BT 78.90 238.10 Td (As ) Tj ET Q q 0 0 0 rg BT 93.24 238.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 134.79 238.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 164.39 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.83 238.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 213.04 238.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 248.47 238.10 Td (Board) Tj ET Q q 0 0 0 rg BT 275.69 238.10 Td (s ) Tj ET Q q 0 0 0 rg BT 282.80 238.10 Td (Small ) Tj ET Q q 0 0 0 rg BT 309.36 238.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 333.69 238.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 369.69 238.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 411.80 238.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 440.58 238.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 483.79 238.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 520.34 238.10 Td (provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (regulating ) Tj ET Q q 0 0 0 rg BT 93.04 226.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 116.65 226.10 Td (redemptions ) Tj ET Q q 0 0 0 rg BT 168.58 226.10 Td (by ) Tj ET Q q 0 0 0 rg BT 181.08 226.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 226.35 226.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 257.17 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 267.45 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 284.95 226.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 312.44 226.10 Td (statement, ) Tj ET Q q 0 0 0 rg BT 355.76 226.10 Td (including ) Tj ET Q q 0 0 0 rg BT 396.04 226.10 Td (when ) Tj ET Q q 0 0 0 rg BT 420.20 226.10 Td (such ) Tj ET Q q 0 0 0 rg BT 441.03 226.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 467.96 226.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 522.66 226.10 Td (apply) Tj ET Q q 0 0 0 rg BT 544.23 226.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Federal Bank Regulation) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 190.10 Td (Safety ) Tj ET Q q 0 0 0 rg BT 96.03 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.62 190.10 Td (Soundness.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.34 190.10 Td () Tj ET Q q 0 0 0 rg BT 164.66 190.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.80 190.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 211.15 190.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 244.96 190.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 283.48 190.10 Td (including ) Tj ET Q q 0 0 0 rg BT 322.85 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.66 190.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 363.54 190.10 Td (have ) Tj ET Q q 0 0 0 rg BT 384.01 190.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 437.81 190.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 458.84 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.88 190.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 517.57 190.10 Td (concerning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 90.60 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 105.08 178.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 131.79 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.05 178.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 192.99 178.10 Td (required ) Tj ET Q q 0 0 0 rg BT 229.14 178.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 266.40 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.01 178.10 Td (Section39 ) Tj ET Q q 0 0 0 rg BT 322.33 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.49 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.53 178.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 381.34 178.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 415.28 178.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 456.97 178.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 508.13 178.10 Td (Improvement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 70.09 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 81.57 166.10 Td (FDICIA. ) Tj ET Q q 0 0 0 rg BT 120.56 166.10 Td (In ) Tj ET Q q 0 0 0 rg BT 132.04 166.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 167.11 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.48 166.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 223.40 166.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 248.75 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.68 166.10 Td (\(1\)operational ) Tj ET Q q 0 0 0 rg BT 321.97 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.56 166.10 Td (managerial ) Tj ET Q q 0 0 0 rg BT 387.13 166.10 Td (matters; ) Tj ET Q q 0 0 0 rg BT 422.49 166.10 Td (\(2\)asset ) Tj ET Q q 0 0 0 rg BT 459.24 166.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 490.17 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.76 166.10 Td (earnings; ) Tj ET Q q 0 0 0 rg BT 547.56 166.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (\(3\)compensation. ) Tj ET Q q 0 0 0 rg BT 123.89 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 141.26 154.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 188.07 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.33 154.10 Td (managerial ) Tj ET Q q 0 0 0 rg BT 250.57 154.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 290.16 154.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 314.19 154.10 Td (\(a\)internal ) Tj ET Q q 0 0 0 rg BT 360.15 154.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 394.19 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.45 154.10 Td (information ) Tj ET Q q 0 0 0 rg BT 459.49 154.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 495.48 154.10 Td (\(b\)internal ) Tj ET Q q 0 0 0 rg BT 542.01 154.10 Td (audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 86.83 142.10 Td (\(c\)loan ) Tj ET Q q 0 0 0 rg BT 120.30 142.10 Td (documentation, ) Tj ET Q q 0 0 0 rg BT 184.89 142.10 Td (\(d\)credit ) Tj ET Q q 0 0 0 rg BT 224.47 142.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 281.28 142.10 Td (\(e\)interest ) Tj ET Q q 0 0 0 rg BT 326.97 142.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 344.61 142.10 Td (exposure, ) Tj ET Q q 0 0 0 rg BT 385.87 142.10 Td (\(f\)asset ) Tj ET Q q 0 0 0 rg BT 420.46 142.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 453.95 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.04 142.10 Td (\(g\)compensation, ) Tj ET Q q 0 0 0 rg BT 545.90 142.10 Td (fees ) 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 66.67 130.10 Td (benefits. ) Tj ET Q q 0 0 0 rg BT 103.06 130.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 130.28 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.73 130.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 166.40 130.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 196.40 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.07 130.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 249.18 130.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 291.68 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.13 130.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 329.47 130.10 Td (is ) Tj ET Q q 0 0 0 rg BT 338.37 130.10 Td (required ) Tj ET Q q 0 0 0 rg BT 373.92 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.93 130.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 421.15 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.82 130.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 475.04 130.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 508.95 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.96 130.10 Td (\(i\)identify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 86.86 118.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 113.72 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.69 118.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 165.21 118.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 219.83 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.14 118.10 Td (those ) Tj ET Q q 0 0 0 rg BT 255.78 118.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 285.14 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.11 118.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 318.86 118.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 355.70 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.67 118.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 408.87 118.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 446.28 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.25 118.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 493.88 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 512.40 118.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 549.81 118.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (suf) Tj ET Q q 0 0 0 rg BT 62.04 106.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 90.34 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.87 106.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 138.62 106.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 176.91 106.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 206.31 106.10 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 244.33 106.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 272.01 106.10 Td (, ) Tj ET Q q 0 0 0 rg BT 277.27 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.24 106.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 350.54 106.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 387.17 106.10 Td (states ) Tj ET Q q 0 0 0 rg BT 412.14 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 429.89 106.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 488.19 106.10 Td (will ) Tj ET Q q 0 0 0 rg BT 506.50 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 518.69 106.10 Td (considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (excessive ) Tj ET Q q 0 0 0 rg BT 90.95 94.10 Td (if ) Tj ET Q q 0 0 0 rg BT 99.70 94.10 Td (it ) Tj ET Q q 0 0 0 rg BT 107.89 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 117.19 94.10 Td (unreasonable ) Tj ET Q q 0 0 0 rg BT 172.58 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 183.55 94.10 Td (disproportionate ) Tj ET Q q 0 0 0 rg BT 251.73 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 262.14 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.99 94.10 Td (services ) Tj ET Q q 0 0 0 rg BT 311.84 94.10 Td (actually ) Tj ET Q q 0 0 0 rg BT 346.12 94.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 390.40 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 403.04 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.89 94.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 461.08 94.10 Td (being ) Tj ET Q q 0 0 0 rg BT 485.93 94.10 Td (compensated. ) Tj ET Q q 0 0 0 rg BT 543.27 94.10 Td (If ) Tj ET Q q 0 0 0 rg BT 552.57 94.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 82.17 82.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 143.74 82.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 165.91 82.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 185.85 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.35 82.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 218.52 82.10 Td (any ) Tj ET Q q 0 0 0 rg BT 235.68 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.74 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.68 82.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 302.18 82.10 Td (promulgated ) Tj ET Q q 0 0 0 rg BT 355.45 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 368.17 82.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 413.94 82.10 Td (then ) Tj ET Q q 0 0 0 rg BT 433.89 82.10 Td (such ) Tj ET Q q 0 0 0 rg BT 454.94 82.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 498.23 82.10 Td (will ) Tj ET Q q 0 0 0 rg BT 516.52 82.10 Td (be ) Tj ET Q q 0 0 0 rg BT 528.68 82.10 Td (required ) 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 60.16 70.10 Td (submit ) Tj ET Q q 0 0 0 rg BT 89.77 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.60 70.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 116.20 70.10 Td (within ) Tj ET Q q 0 0 0 rg BT 144.14 70.10 Td (30days ) Tj ET Q q 0 0 0 rg BT 177.35 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.52 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.12 70.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 227.28 70.10 Td (specifying ) Tj ET Q q 0 0 0 rg BT 271.32 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.92 70.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 308.31 70.10 Td (it ) Tj ET Q q 0 0 0 rg BT 316.25 70.10 Td (will ) Tj ET Q q 0 0 0 rg BT 334.19 70.10 Td (take ) Tj ET Q q 0 0 0 rg BT 353.23 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.39 70.10 Td (correct ) Tj ET Q q 0 0 0 rg BT 393.53 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.13 70.10 Td (deficiency) Tj ET Q q 0 0 0 rg BT 449.12 70.10 Td (. ) Tj ET Q q 0 0 0 rg BT 454.01 70.10 Td (In ) Tj ET Q q 0 0 0 rg BT 464.72 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.32 70.10 Td (event ) Tj ET Q q 0 0 0 rg BT 503.36 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 520.74 70.10 Td (an ) Tj ET Q q 0 0 0 rg BT 532.56 70.10 Td (insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 111.71 58.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 134.00 58.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 154.08 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.72 58.10 Td (submit ) Tj ET Q q 0 0 0 rg BT 194.80 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 205.99 58.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 226.07 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.70 58.10 Td (any ) Tj ET Q q 0 0 0 rg BT 254.00 58.10 Td (material ) Tj ET Q q 0 0 0 rg BT 289.62 58.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 320.79 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.43 58.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 377.06 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 384.36 58.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 433.30 58.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 453.38 58.10 Td (within ) Tj ET Q q 0 0 0 rg BT 481.79 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.87 58.10 Td (time ) Tj ET Q q 0 0 0 rg BT 517.50 58.10 Td (allowed ) Tj ET Q q 0 0 0 rg BT 552.02 58.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.67 46.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 94.89 46.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 129.56 46.10 Td (agency) Tj ET Q q 0 0 0 rg BT 157.23 46.10 Td (, ) Tj ET Q q 0 0 0 rg BT 162.18 46.10 Td (Section39 ) Tj ET Q q 0 0 0 rg BT 207.14 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.92 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.60 46.10 Td (FDICIA) Tj ET Q q 0 0 0 rg BT 265.38 46.10 Td ( ) Tj ET Q q 0 0 0 rg BT 267.84 46.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 304.73 46.10 Td (that ) Tj ET Q q 0 0 0 rg BT 322.19 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.86 46.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 362.10 46.10 Td (must ) Tj ET Q q 0 0 0 rg BT 384.01 46.10 Td (order ) Tj ET Q q 0 0 0 rg BT 407.56 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.24 46.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 465.26 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.49 46.10 Td (correct ) Tj ET Q q 0 0 0 rg BT 505.71 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.38 46.10 Td (deficiency ) 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 (12) 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 67.67 742.10 Td (may ) Tj ET Q q 0 0 0 rg BT 88.12 742.10 Td (\(1\)restrict ) Tj ET Q q 0 0 0 rg BT 133.28 742.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 155.95 742.10 Td (growth; ) Tj ET Q q 0 0 0 rg BT 190.30 742.10 Td (\(2\)require ) Tj ET Q q 0 0 0 rg BT 236.00 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.46 742.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 274.13 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.14 742.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 321.13 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 333.81 742.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 355.37 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.93 742.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 402.38 742.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 430.61 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.62 742.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 470.96 742.10 Td (\(3\)restrict ) Tj ET Q q 0 0 0 rg BT 516.12 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.57 742.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 553.68 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.24 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 100.03 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.05 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 137.29 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 157.31 730.10 Td (pay; ) Tj ET Q q 0 0 0 rg BT 177.33 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 188.47 730.10 Td (\(4\)take ) Tj ET Q q 0 0 0 rg BT 222.08 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 239.33 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 262.68 730.10 Td (action ) Tj ET Q q 0 0 0 rg BT 289.91 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 307.71 730.10 Td (would ) Tj ET Q q 0 0 0 rg BT 335.51 730.10 Td (better ) Tj ET Q q 0 0 0 rg BT 361.08 730.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 384.42 730.10 Td (out ) Tj ET Q q 0 0 0 rg BT 400.00 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.02 730.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 449.48 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.62 730.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 492.30 730.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 535.08 730.10 Td (action. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 718.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.35 718.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 96.50 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 113.78 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.27 718.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 151.66 718.10 Td (has ) Tj ET Q q 0 0 0 rg BT 167.27 718.10 Td (been ) Tj ET Q q 0 0 0 rg BT 188.42 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.14 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 222.97 718.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 259.68 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.74 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 281.46 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 291.51 718.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 339.88 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 359.93 718.10 Td (each ) Tj ET Q q 0 0 0 rg BT 380.53 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.14 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.63 718.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 445.68 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 456.28 718.10 Td (they ) Tj ET Q q 0 0 0 rg BT 475.78 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 496.93 718.10 Td (been ) Tj ET Q q 0 0 0 rg BT 518.09 718.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 552.02 718.10 Td (by ) 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 64.72 706.10 Td (FDICIA.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 688.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 102.89 688.10 Td (Requir) Tj ET Q q 0 0 0 rg BT 129.74 688.10 Td (ements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.01 688.10 Td () Tj ET Q q 0 0 0 rg BT 167.33 688.10 Td (The ) Tj ET Q q 0 0 0 rg BT 185.76 688.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 218.64 688.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 253.73 688.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 281.06 688.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 319.50 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 335.72 688.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 365.26 688.10 Td (adequacy) Tj ET Q q 0 0 0 rg BT 402.36 688.10 Td (, ) Tj ET Q q 0 0 0 rg BT 407.75 688.10 Td (on ) Tj ET Q q 0 0 0 rg BT 420.64 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 427.97 688.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 481.40 688.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 506.78 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.11 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.22 688.10 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 676.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 117.76 676.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 167.46 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.29 676.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 214.68 676.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 248.84 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.56 676.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 292.71 676.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 332.96 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 343.79 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.51 676.10 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.33 658.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 119.09 658.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 155.58 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.58 658.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 194.14 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.36 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.35 658.10 Td (other ) Tj ET Q q 0 0 0 rg BT 246.68 658.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 276.21 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.43 658.10 Td (state ) Tj ET Q q 0 0 0 rg BT 312.54 658.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 333.75 658.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 376.63 658.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 412.83 658.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 449.61 658.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 492.48 658.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 520.91 658.10 Td (guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 646.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 84.44 646.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 119.16 646.10 Td (or) Tj ET Q q 0 0 0 rg BT 127.31 646.10 Td (ganizations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 628.10 Td (As ) Tj ET Q q 0 0 0 rg BT 83.54 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.30 628.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 137.83 628.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 162.76 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.41 628.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 218.73 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.60 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.25 628.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 273.79 628.10 Td (became ) Tj ET Q q 0 0 0 rg BT 306.75 628.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 337.50 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.71 628.10 Td (new ) Tj ET Q q 0 0 0 rg BT 366.80 628.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 395.88 628.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 417.75 628.10 Td (set ) Tj ET Q q 0 0 0 rg BT 431.29 628.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 453.16 628.10 Td (by ) Tj ET Q q 0 0 0 rg BT 465.59 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.24 628.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 512.66 628.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 549.79 628.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 75.54 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.73 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.70 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 131.00 616.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 161.51 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.70 616.10 Td (state ) Tj ET Q q 0 0 0 rg BT 199.78 616.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 221.97 616.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 265.82 616.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 305.30 616.10 Td (The ) Tj ET Q q 0 0 0 rg BT 323.60 616.10 Td (new ) Tj ET Q q 0 0 0 rg BT 343.01 616.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 372.42 616.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 394.61 616.10 Td (revise ) Tj ET Q q 0 0 0 rg BT 421.24 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.21 616.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 471.18 616.10 Td (agencies) Tj ET Q q 0 0 0 rg BT 508.19 616.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.95 616.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 547.56 616.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 93.29 604.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 122.12 604.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 176.51 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.14 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.54 604.10 Td (method ) Tj ET Q q 0 0 0 rg BT 239.72 604.10 Td (for ) Tj ET Q q 0 0 0 rg BT 253.57 604.10 Td (calculating ) Tj ET Q q 0 0 0 rg BT 299.62 604.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 316.81 604.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 355.65 604.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 381.17 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.13 604.10 Td (make ) Tj ET Q q 0 0 0 rg BT 414.97 604.10 Td (them ) Tj ET Q q 0 0 0 rg BT 437.15 604.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 479.34 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 499.30 604.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 547.02 604.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.41 592.10 Td (reached ) Tj ET Q q 0 0 0 rg BT 104.47 592.10 Td (by ) Tj ET Q q 0 0 0 rg BT 116.45 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.64 592.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 154.83 592.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 201.25 592.10 Td (on ) Tj ET Q q 0 0 0 rg BT 213.23 592.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 249.09 592.10 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 298.85 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.26 592.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 344.44 592.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 388.09 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.40 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.59 592.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 463.02 592.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 479.43 592.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 496.96 592.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 521.15 592.10 Td (III ) Tj ET Q q 0 0 0 rg BT 533.12 592.10 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (Rules\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.27 562.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 113.22 562.10 Td (III ) Tj ET Q q 0 0 0 rg BT 125.93 562.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 157.54 562.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 183.04 562.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 220.77 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 227.93 562.10 Td (new ) Tj ET Q q 0 0 0 rg BT 247.32 562.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 288.93 562.10 Td (common ) Tj ET Q q 0 0 0 rg BT 326.66 562.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 354.18 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 359.94 562.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 373.21 562.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 380.94 562.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 410.31 562.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 461.35 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.40 562.10 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 495.96 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.02 562.10 Td (risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 77.49 550.10 Td (set ) Tj ET Q q 0 0 0 rg BT 89.98 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.58 550.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 143.85 550.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 179.09 550.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 198.80 550.10 Td (at ) Tj ET Q q 0 0 0 rg BT 207.40 550.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 222.11 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.82 550.10 Td (total ) Tj ET Q q 0 0 0 rg BT 250.97 550.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 278.46 550.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 317.60 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.19 550.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 371.37 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 377.12 550.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 389.05 550.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 395.43 550.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 423.46 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.62 550.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 488.99 550.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 513.70 550.10 Td (requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.12 538.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 86.13 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.59 538.10 Td (6%; ) Tj ET Q q 0 0 0 rg BT 113.38 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.50 538.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 163.39 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.29 538.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 217.86 538.10 Td (total ) Tj ET Q q 0 0 0 rg BT 237.32 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 265.65 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.11 538.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 291.79 538.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 330.13 538.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 355.14 538.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 405.13 538.10 Td (at ) Tj ET Q q 0 0 0 rg BT 414.03 538.10 Td (8.0%. ) Tj ET Q q 0 0 0 rg BT 438.67 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 445.34 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.03 538.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 521.44 538.10 Td (institution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (must ) Tj ET Q q 0 0 0 rg BT 71.95 526.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 111.65 526.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 149.14 526.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 178.29 526.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 203.01 526.10 Td (200 ) Tj ET Q q 0 0 0 rg BT 220.51 526.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 243.01 526.10 Td (points ) Tj ET Q q 0 0 0 rg BT 269.96 526.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 298.00 526.10 Td (than ) Tj ET Q q 0 0 0 rg BT 317.72 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.44 526.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 373.83 526.10 Td (guidelines.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.37 508.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 113.42 508.10 Td (III ) Tj ET Q q 0 0 0 rg BT 126.23 508.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 157.94 508.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 183.54 508.10 Td (also ) Tj ET Q q 0 0 0 rg BT 202.48 508.10 Td (change ) Tj ET Q q 0 0 0 rg BT 233.62 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.66 508.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 266.49 508.10 Td (weights ) Tj ET Q q 0 0 0 rg BT 300.42 508.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 337.69 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.29 508.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 378.32 508.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 406.77 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 425.15 508.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 450.19 508.10 Td (III ) Tj ET Q q 0 0 0 rg BT 463.01 508.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 494.71 508.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 520.32 508.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 557.58 508.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.83 496.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 95.12 496.10 Td (weight ) Tj ET Q q 0 0 0 rg BT 124.62 496.10 Td (\(150%\) ) Tj ET Q q 0 0 0 rg BT 156.89 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.95 496.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 190.35 496.10 Td (that ) Tj ET Q q 0 0 0 rg BT 207.63 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 222.12 496.10 Td (more ) Tj ET Q q 0 0 0 rg BT 244.95 496.10 Td (than ) Tj ET Q q 0 0 0 rg BT 264.45 496.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 297.56 496.10 Td (past ) Tj ET Q q 0 0 0 rg BT 315.96 496.10 Td (due ) Tj ET Q q 0 0 0 rg BT 332.68 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 343.29 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 357.78 496.10 Td (on ) Tj ET Q q 0 0 0 rg BT 370.07 496.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 416.21 496.10 Td (status ) Tj ET Q q 0 0 0 rg BT 441.28 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.00 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.06 496.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 497.55 496.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.03 496.10 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.56 484.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 112.78 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 130.56 484.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 162.78 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.79 484.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 226.96 484.10 Td (development ) Tj ET Q q 0 0 0 rg BT 281.40 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 292.53 484.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 344.75 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.87 484.10 Td (real ) Tj ET Q q 0 0 0 rg BT 373.65 484.10 Td (property) Tj ET Q q 0 0 0 rg BT 406.88 484.10 Td (. ) Tj ET Q q 0 0 0 rg BT 411.97 484.10 Td (The ) Tj ET Q q 0 0 0 rg BT 430.31 484.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 455.32 484.10 Td (III ) Tj ET Q q 0 0 0 rg BT 468.10 484.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 499.77 484.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 525.34 484.10 Td (also ) Tj ET Q q 0 0 0 rg BT 544.24 484.10 Td (alter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.59 472.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 81.97 472.10 Td (weighting ) Tj ET Q q 0 0 0 rg BT 124.34 472.10 Td (for ) Tj ET Q q 0 0 0 rg BT 138.37 472.10 Td (other ) Tj ET Q q 0 0 0 rg BT 161.29 472.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 189.50 472.10 Td (including ) Tj ET Q q 0 0 0 rg BT 229.64 472.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 276.44 472.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 303.81 472.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 343.95 472.10 Td (that ) Tj ET Q q 0 0 0 rg BT 361.31 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 375.90 472.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 393.27 472.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 432.30 472.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 471.88 472.10 Td (at ) Tj ET Q q 0 0 0 rg BT 481.47 472.10 Td (300%. ) Tj ET Q q 0 0 0 rg BT 509.50 472.10 Td (The ) Tj ET Q q 0 0 0 rg BT 527.42 472.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 552.01 472.10 Td (III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 82.49 460.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 108.88 460.10 Td (require ) Tj ET Q q 0 0 0 rg BT 140.80 460.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 171.61 460.10 Td (components ) Tj ET Q q 0 0 0 rg BT 223.54 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.48 460.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 289.61 460.10 Td (other ) Tj ET Q q 0 0 0 rg BT 313.77 460.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 377.91 460.10 Td (income ) Tj ET Q q 0 0 0 rg BT 410.95 460.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 436.78 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.16 460.10 Td (be ) Tj ET Q q 0 0 0 rg BT 461.21 460.10 Td (included ) Tj ET Q q 0 0 0 rg BT 499.25 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.52 460.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 553.68 460.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (calculating ) Tj ET Q q 0 0 0 rg BT 96.64 448.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 140.50 448.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 169.92 448.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 224.89 448.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 252.66 448.10 Td (a ) Tj ET Q q 0 0 0 rg BT 259.87 448.10 Td (one-time ) Tj ET Q q 0 0 0 rg BT 298.18 448.10 Td (opt-out ) Tj ET Q q 0 0 0 rg BT 329.84 448.10 Td (is ) Tj ET Q q 0 0 0 rg BT 339.28 448.10 Td (exercised. ) Tj ET Q q 0 0 0 rg BT 382.10 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 400.42 448.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 424.30 448.10 Td (did ) Tj ET Q q 0 0 0 rg BT 439.85 448.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 475.37 448.10 Td (its ) Tj ET Q q 0 0 0 rg BT 487.59 448.10 Td (opt-out ) Tj ET Q q 0 0 0 rg BT 519.25 448.10 Td (option ) Tj ET Q q 0 0 0 rg BT 547.57 448.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.52 436.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 102.57 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.74 436.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 162.34 436.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 182.52 436.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 207.70 436.10 Td (on ) Tj ET Q q 0 0 0 rg BT 220.66 436.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 267.50 436.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 308.22 436.10 Td (component ) Tj ET Q q 0 0 0 rg BT 355.62 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.90 436.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 420.39 436.10 Td (other ) Tj ET Q q 0 0 0 rg BT 443.90 436.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 507.39 436.10 Td (income ) Tj ET Q q 0 0 0 rg BT 539.78 436.10 Td (\(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.94 424.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 115.53 424.10 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 406.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 112.77 406.10 Td (III ) Tj ET Q q 0 0 0 rg BT 125.27 406.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 156.66 406.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 181.94 406.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 203.33 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 210.28 406.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 245.00 406.10 Td (or) Tj ET Q q 0 0 0 rg BT 253.15 406.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 297.58 406.10 Td (s ) Tj ET Q q 0 0 0 rg BT 303.97 406.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 333.13 406.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 385.64 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.58 406.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 432.29 406.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 487.00 406.10 Td (bonus ) Tj ET Q q 0 0 0 rg BT 513.39 406.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 554.22 406.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 90.95 394.10 Td (of) Tj ET Q q 0 0 0 rg BT 99.10 394.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 123.95 394.10 Td (if ) Tj ET Q q 0 0 0 rg BT 132.70 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.56 394.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 182.42 394.10 Td (or) Tj ET Q q 0 0 0 rg BT 190.57 394.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 234.87 394.10 Td (does ) Tj ET Q q 0 0 0 rg BT 255.84 394.10 Td (not ) Tj ET Q q 0 0 0 rg BT 271.26 394.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 291.68 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.76 394.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 332.50 394.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 386.23 394.10 Td (buf) Tj ET Q q 0 0 0 rg BT 399.38 394.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 417.56 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.54 394.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 452.01 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 462.43 394.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 497.85 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.27 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 394.10 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.67 382.10 Td (based ) Tj ET Q q 0 0 0 rg BT 93.10 382.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 122.42 382.10 Td (requirement. ) Tj ET Q q 0 0 0 rg BT 175.70 382.10 Td (The ) Tj ET Q q 0 0 0 rg BT 193.91 382.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 227.67 382.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 281.43 382.10 Td (buf) Tj ET Q q 0 0 0 rg BT 294.58 382.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 312.78 382.10 Td (was ) Tj ET Q q 0 0 0 rg BT 331.00 382.10 Td (being ) Tj ET Q q 0 0 0 rg BT 355.88 382.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 386.32 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 396.76 382.10 Td (from ) Tj ET Q q 0 0 0 rg BT 418.86 382.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 462.63 382.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 485.30 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.74 382.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 539.50 382.10 Td (2019, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (when ) Tj ET Q q 0 0 0 rg BT 74.16 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.88 370.10 Td (full ) Tj ET Q q 0 0 0 rg BT 105.26 370.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 134.41 370.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 188.01 370.10 Td (buf) Tj ET Q q 0 0 0 rg BT 201.16 370.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 214.76 370.10 Td (became ) Tj ET Q q 0 0 0 rg BT 247.79 370.10 Td (ef) Tj ET Q q 0 0 0 rg BT 255.38 370.10 Td (fective.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 352.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 101.10 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.65 352.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 133.85 352.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 175.52 352.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 204.94 352.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 259.92 352.10 Td (can ) Tj ET Q q 0 0 0 rg BT 276.57 352.10 Td (initiate ) Tj ET Q q 0 0 0 rg BT 307.11 352.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 337.08 352.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 382.62 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.83 352.10 Td (possibly ) Tj ET Q q 0 0 0 rg BT 435.94 352.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 478.70 352.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 533.68 352.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 340.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 104.99 340.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 124.98 340.10 Td (if ) Tj ET Q q 0 0 0 rg BT 133.59 340.10 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 183.01 340.10 Td (could ) Tj ET Q q 0 0 0 rg BT 207.73 340.10 Td (have ) Tj ET Q q 0 0 0 rg BT 229.11 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 236.04 340.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 261.31 340.10 Td (material ) Tj ET Q q 0 0 0 rg BT 296.57 340.10 Td (ef) Tj ET Q q 0 0 0 rg BT 304.16 340.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 321.64 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 334.14 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.86 340.10 Td (Company) Tj ET Q q 0 0 0 rg BT 390.52 340.10 Td (s ) Tj ET Q q 0 0 0 rg BT 396.91 340.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 449.96 340.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 487.44 340.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 322.10 Td (As ) Tj ET Q q 0 0 0 rg BT 83.00 322.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 123.23 322.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 151.49 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.60 322.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 208.03 322.10 Td (Growth, ) Tj ET Q q 0 0 0 rg BT 242.98 322.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 289.30 322.10 Td (Relief, ) Tj ET Q q 0 0 0 rg BT 318.13 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.46 322.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 377.46 322.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 420.03 322.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 436.36 322.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 471.58 322.10 Td (simplified ) Tj ET Q q 0 0 0 rg BT 514.02 322.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 542.56 322.10 Td (rules ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 310.10 Td (community ) Tj ET Q q 0 0 0 rg BT 112.21 310.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 138.04 310.10 Td (with ) Tj ET Q q 0 0 0 rg BT 158.32 310.10 Td (less ) Tj ET Q q 0 0 0 rg BT 175.82 310.10 Td (than ) Tj ET Q q 0 0 0 rg BT 195.54 310.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 213.04 310.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 241.65 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 251.93 310.10 Td (total ) Tj ET Q q 0 0 0 rg BT 272.20 310.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 325.24 310.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 351.07 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.01 310.10 Td (with ) Tj ET Q q 0 0 0 rg BT 388.29 310.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 419.12 310.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 449.95 310.10 Td (activities.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 292.10 Td (Liquidity) Tj ET Q q 0 0 0 rg BT 105.56 292.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.06 292.10 Td () Tj ET Q q 0 0 0 rg BT 115.38 292.10 Td (W) Tj ET Q q 0 0 0 rg BT 124.02 292.10 Td (e ) Tj ET Q q 0 0 0 rg BT 130.96 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 145.66 292.10 Td (required ) Tj ET Q q 0 0 0 rg BT 181.48 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.76 292.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 229.25 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 236.19 292.10 Td (suf) Tj ET Q q 0 0 0 rg BT 248.23 292.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 276.27 292.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 308.76 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.59 292.10 Td (liquid ) Tj ET Q q 0 0 0 rg BT 345.43 292.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 371.26 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.54 292.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 410.14 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.97 292.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 444.57 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.50 292.10 Td (sound ) Tj ET Q q 0 0 0 rg BT 487.90 292.10 Td (operation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.52 274.10 Td (final ) Tj ET Q q 0 0 0 rg BT 109.81 274.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 135.00 274.10 Td (III ) Tj ET Q q 0 0 0 rg BT 147.96 274.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 194.80 274.10 Td (also ) Tj ET Q q 0 0 0 rg BT 213.88 274.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 249.05 274.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 275.35 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.76 274.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 315.17 274.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 348.70 274.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 394.43 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.18 274.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 441.47 274.10 Td (their ) Tj ET Q q 0 0 0 rg BT 462.76 274.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 499.62 274.10 Td (against ) Tj ET Q q 0 0 0 rg BT 530.92 274.10 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 86.98 262.10 Td (tests. ) Tj ET Q q 0 0 0 rg BT 109.67 262.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 150.53 262.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 181.39 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.26 262.10 Td (some ) Tj ET Q q 0 0 0 rg BT 216.46 262.10 Td (respects ) Tj ET Q q 0 0 0 rg BT 251.75 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 262.62 262.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 299.60 262.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 339.89 262.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 387.97 262.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 420.50 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 433.58 262.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 460.00 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.53 262.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 512.83 262.10 Td (agencies ) 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 (management ) Tj ET Q q 0 0 0 rg BT 103.59 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.53 250.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 169.69 250.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 210.24 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.96 250.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 249.67 250.10 Td (III ) Tj ET Q q 0 0 0 rg BT 262.16 250.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 308.53 250.10 Td (would ) Tj ET Q q 0 0 0 rg BT 336.03 250.10 Td (require ) Tj ET Q q 0 0 0 rg BT 366.85 250.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 400.44 250.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 436.83 250.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 457.11 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 469.61 250.10 Td (rule.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 232.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.01 232.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 124.16 232.10 Td (with ) Tj ET Q q 0 0 0 rg BT 143.70 232.10 Td (Affiliates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.30 232.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 217.28 232.10 Td (current ) Tj ET Q q 0 0 0 rg BT 248.08 232.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 278.32 232.10 Td (law) Tj ET Q q 0 0 0 rg BT 292.11 232.10 Td (, ) Tj ET Q q 0 0 0 rg BT 297.09 232.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 347.34 232.10 Td (between ) Tj ET Q q 0 0 0 rg BT 383.14 232.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 427.84 232.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 474.78 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.70 232.10 Td (their ) Tj ET Q q 0 0 0 rg BT 512.51 232.10 Td (af) Tj ET Q q 0 0 0 rg BT 520.10 232.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 549.79 232.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (governed ) Tj ET Q q 0 0 0 rg BT 90.44 220.10 Td (by ) Tj ET Q q 0 0 0 rg BT 103.67 220.10 Td (Sections23A) Tj ET Q q 0 0 0 rg BT 156.73 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.97 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.64 220.10 Td (23B ) Tj ET Q q 0 0 0 rg BT 197.54 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.11 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.56 220.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 257.78 220.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 292.50 220.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 312.67 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 324.24 220.10 Td (FRA, ) Tj ET Q q 0 0 0 rg BT 349.43 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.10 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.55 220.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 415.77 220.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 451.21 220.10 Td (Board) Tj ET Q q 0 0 0 rg BT 478.43 220.10 Td (s ) Tj ET Q q 0 0 0 rg BT 485.55 220.10 Td (Regulation) Tj ET Q q 0 0 0 rg BT 531.75 220.10 Td (W) Tj ET Q q 0 0 0 rg BT 540.27 220.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.01 220.10 Td (In ) Tj ET Q q 0 0 0 rg BT 557.57 220.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.86 208.10 Td (company ) Tj ET Q q 0 0 0 rg BT 121.82 208.10 Td (context, ) Tj ET Q q 0 0 0 rg BT 156.05 208.10 Td (at ) Tj ET Q q 0 0 0 rg BT 165.57 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 172.31 208.10 Td (minimum, ) Tj ET Q q 0 0 0 rg BT 216.01 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.52 208.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 257.81 208.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 290.67 208.10 Td (company ) Tj ET Q q 0 0 0 rg BT 329.63 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.26 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.00 208.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 368.74 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.48 208.10 Td (any ) Tj ET Q q 0 0 0 rg BT 402.22 208.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 447.29 208.10 Td (which ) Tj ET Q q 0 0 0 rg BT 474.03 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 488.54 208.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 531.38 208.10 Td (by ) Tj ET Q q 0 0 0 rg BT 543.69 208.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 77.56 196.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 110.70 196.10 Td (company ) Tj ET Q q 0 0 0 rg BT 149.93 196.10 Td (is ) Tj ET Q q 0 0 0 rg BT 159.18 196.10 Td (an ) Tj ET Q q 0 0 0 rg BT 171.20 196.10 Td (af) Tj ET Q q 0 0 0 rg BT 178.78 196.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 204.68 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.59 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.39 196.10 Td (bank. ) Tj ET Q q 0 0 0 rg BT 254.90 196.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 293.68 196.10 Td (, ) Tj ET Q q 0 0 0 rg BT 298.75 196.10 Td (Section23A) Tj ET Q q 0 0 0 rg BT 347.92 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 350.50 196.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 375.86 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.65 196.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 417.67 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.02 196.10 Td (which ) Tj ET Q q 0 0 0 rg BT 455.04 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.83 196.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 491.85 196.10 Td (or ) Tj ET Q q 0 0 0 rg BT 502.76 196.10 Td (its ) Tj ET Q q 0 0 0 rg BT 514.79 196.10 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (may ) Tj ET Q q 0 0 0 rg BT 70.38 184.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 101.85 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.79 184.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 152.03 184.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 207.39 184.10 Td (with ) Tj ET Q q 0 0 0 rg BT 228.33 184.10 Td (any ) Tj ET Q q 0 0 0 rg BT 245.93 184.10 Td (one ) Tj ET Q q 0 0 0 rg BT 263.53 184.10 Td (af) Tj ET Q q 0 0 0 rg BT 271.11 184.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 297.59 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.53 184.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 330.02 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.51 184.10 Td (such ) Tj ET Q q 0 0 0 rg BT 363.00 184.10 Td (bank) Tj ET Q q 0 0 0 rg BT 385.21 184.10 Td (s ) Tj ET Q q 0 0 0 rg BT 392.27 184.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 422.08 184.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 446.34 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.94 184.10 Td (surplus, ) Tj ET Q q 0 0 0 rg BT 498.49 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.09 184.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 552.57 184.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 91.99 172.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 114.02 172.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.15 172.10 Td (all ) Tj ET Q q 0 0 0 rg BT 140.28 172.10 Td (such ) Tj ET Q q 0 0 0 rg BT 161.74 172.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 212.64 172.10 Td (with ) Tj ET Q q 0 0 0 rg BT 233.55 172.10 Td (all ) Tj ET Q q 0 0 0 rg BT 246.67 172.10 Td (af) Tj ET Q q 0 0 0 rg BT 254.26 172.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 284.61 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.52 172.10 Td (20% ) Tj ET Q q 0 0 0 rg BT 316.98 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.44 172.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 358.23 172.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 382.47 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.04 172.10 Td (surplus. ) Tj ET Q q 0 0 0 rg BT 434.33 172.10 Td (The ) Tj ET Q q 0 0 0 rg BT 453.01 172.10 Td (term ) Tj ET Q q 0 0 0 rg BT 474.47 172.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 513.69 172.10 Td (transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (includes, ) Tj ET Q q 0 0 0 rg BT 88.41 160.10 Td (among ) Tj ET Q q 0 0 0 rg BT 118.20 160.10 Td (other ) Tj ET Q q 0 0 0 rg BT 141.33 160.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 170.86 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.66 160.10 Td (making ) Tj ET Q q 0 0 0 rg BT 218.23 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.14 160.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 252.83 160.10 Td (or ) Tj ET Q q 0 0 0 rg BT 263.74 160.10 Td (other ) Tj ET Q q 0 0 0 rg BT 286.87 160.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 331.67 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.58 160.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 367.92 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 378.28 160.10 Td (an ) Tj ET Q q 0 0 0 rg BT 390.30 160.10 Td (af) Tj ET Q q 0 0 0 rg BT 397.89 160.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 423.79 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.81 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.61 160.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 493.72 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.63 160.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 530.54 160.10 Td (from ) Tj ET Q q 0 0 0 rg BT 552.56 160.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 148.10 Td (filiate. ) Tj ET Q q 0 0 0 rg BT 84.88 148.10 Td (Section23A) Tj ET Q q 0 0 0 rg BT 134.04 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.51 148.10 Td (also ) Tj ET Q q 0 0 0 rg BT 153.09 148.10 Td (establishes ) Tj ET Q q 0 0 0 rg BT 197.88 148.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 230.44 148.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 269.11 148.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 322.78 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 335.91 148.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 358.49 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 368.29 148.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 411.97 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.77 148.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 446.00 148.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 457.75 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.55 148.10 Td (guarantees, ) Tj ET Q q 0 0 0 rg BT 514.27 148.10 Td (acceptances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.94 136.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 88.31 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 98.58 136.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 123.28 136.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 150.22 136.10 Td (on ) Tj ET Q q 0 0 0 rg BT 162.16 136.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 189.08 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.35 136.10 Td (an ) Tj ET Q q 0 0 0 rg BT 210.73 136.10 Td (af) Tj ET Q q 0 0 0 rg BT 218.32 136.10 Td (filiate. ) Tj ET Q q 0 0 0 rg BT 246.07 136.10 Td (Section23B ) Tj ET Q q 0 0 0 rg BT 297.18 136.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 331.32 136.10 Td (that ) Tj ET Q q 0 0 0 rg BT 348.26 136.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 381.84 136.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 431.54 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.92 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 454.30 136.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 479.00 136.10 Td (list ) Tj ET Q q 0 0 0 rg BT 493.17 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.44 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 525.92 136.10 Td (specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 99.90 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 111.48 124.10 Td (on ) Tj ET Q q 0 0 0 rg BT 123.62 124.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 147.97 124.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 200.66 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.01 124.10 Td (same, ) Tj ET Q q 0 0 0 rg BT 240.20 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 250.67 124.10 Td (no ) Tj ET Q q 0 0 0 rg BT 262.80 124.10 Td (less ) Tj ET Q q 0 0 0 rg BT 279.94 124.10 Td (favorable, ) Tj ET Q q 0 0 0 rg BT 322.33 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.25 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.60 124.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 368.18 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 378.65 124.10 Td (its ) Tj ET Q q 0 0 0 rg BT 390.23 124.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 433.48 124.10 Td (as ) Tj ET Q q 0 0 0 rg BT 443.95 124.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 473.86 124.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 523.76 124.10 Td (with ) Tj ET Q q 0 0 0 rg BT 543.68 124.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 112.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 89.53 112.10 Td (The ) Tj ET Q q 0 0 0 rg BT 107.49 112.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 158.25 112.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 175.10 112.10 Td (has ) Tj ET Q q 0 0 0 rg BT 190.83 112.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 231.56 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.18 112.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 287.47 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.21 112.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 332.27 112.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 382.44 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.29 112.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 439.45 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.08 112.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 482.60 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.44 112.10 Td (other ) Tj ET Q q 0 0 0 rg BT 522.40 112.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 553.69 112.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.20 100.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 105.37 100.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 160.55 100.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 204.62 100.10 Td (with ) Tj ET Q q 0 0 0 rg BT 225.38 100.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 260.00 100.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 313.25 100.10 Td (including ) Tj ET Q q 0 0 0 rg BT 354.00 100.10 Td (an ) Tj ET Q q 0 0 0 rg BT 366.42 100.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 409.94 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.25 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.45 100.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 471.07 100.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 521.81 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.57 100.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.04 88.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 117.30 88.10 Td (related ) Tj ET Q q 0 0 0 rg BT 146.78 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.83 88.10 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 205.48 88.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 251.06 88.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 298.87 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.58 88.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 355.62 88.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 387.89 88.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 444.02 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.74 88.10 Td (an ) Tj ET Q q 0 0 0 rg BT 472.45 88.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 507.48 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.53 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.02 88.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 76.10 Td (time ) Tj ET Q q 0 0 0 rg BT 81.10 76.10 Td (for ) Tj ET Q q 0 0 0 rg BT 95.26 76.10 Td (which ) Tj ET Q q 0 0 0 rg BT 122.20 76.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 161.90 76.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 216.60 76.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 257.42 76.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 291.56 76.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 341.83 76.10 Td (must ) Tj ET Q q 0 0 0 rg BT 363.77 76.10 Td (be ) Tj ET Q q 0 0 0 rg BT 375.71 76.10 Td (satisfied.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 58.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 97.78 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.89 58.10 Td (Insiders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.62 58.10 Td (Further) Tj ET Q q 0 0 0 rg BT 180.15 58.10 Td (, ) Tj ET Q q 0 0 0 rg BT 185.99 58.10 Td (Section22\(h\) ) Tj ET Q q 0 0 0 rg BT 243.47 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.13 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.68 58.10 Td (FRA) Tj ET Q q 0 0 0 rg BT 289.58 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.92 58.10 Td (restricts ) Tj ET Q q 0 0 0 rg BT 327.90 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.67 58.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 381.22 58.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 425.11 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.22 58.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 477.87 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.98 58.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 513.42 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.53 58.10 Td (directors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 90.78 46.10 Td (of) Tj ET Q q 0 0 0 rg BT 98.93 46.10 Td (ficers, ) Tj ET Q q 0 0 0 rg BT 126.11 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.02 46.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 181.04 46.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 234.05 46.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 248.18 46.10 Td (insiders\). ) Tj ET Q q 0 0 0 rg BT 287.60 46.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 315.06 46.10 Td (Section22\(h\), ) Tj ET Q q 0 0 0 rg BT 374.19 46.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 397.77 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.02 46.10 Td (insiders ) Tj ET Q q 0 0 0 rg BT 441.60 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.51 46.10 Td (their ) Tj ET Q q 0 0 0 rg BT 479.31 46.10 Td (related ) Tj ET Q q 0 0 0 rg BT 508.99 46.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 544.79 46.10 Td (may ) 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 (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 66.44 742.10 Td (exceed, ) Tj ET Q q 0 0 0 rg BT 100.36 742.10 Td (together ) Tj ET Q q 0 0 0 rg BT 136.79 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 158.23 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 171.89 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 196.10 742.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 246.43 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 271.21 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.65 742.10 Td (such ) Tj ET Q q 0 0 0 rg BT 304.64 742.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 338.86 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.96 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 364.55 742.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 396.54 742.10 Td (entities, ) Tj ET Q q 0 0 0 rg BT 431.58 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.46 742.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 493.34 742.10 Td (institution) Tj ET Q q 0 0 0 rg BT 536.68 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 544.24 742.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 97.37 730.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 125.86 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.13 730.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 189.50 730.10 Td (surplus. ) Tj ET Q q 0 0 0 rg BT 222.73 730.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 249.00 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 258.61 730.10 Td (insiders ) Tj ET Q q 0 0 0 rg BT 291.55 730.10 Td (above ) Tj ET Q q 0 0 0 rg BT 317.26 730.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 355.19 730.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 390.90 730.10 Td (must ) Tj ET Q q 0 0 0 rg BT 412.19 730.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 442.88 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.93 730.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.20 730.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 515.02 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.18 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.23 730.10 Td (board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.50 718.10 Td (directors. ) Tj ET Q q 0 0 0 rg BT 100.16 718.10 Td (Further) Tj ET Q q 0 0 0 rg BT 129.20 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 133.87 718.10 Td (under ) Tj ET Q q 0 0 0 rg BT 158.81 718.10 Td (Section22\(h\), ) Tj ET Q q 0 0 0 rg BT 217.64 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 240.92 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 250.87 718.10 Td (directors, ) Tj ET Q q 0 0 0 rg BT 290.52 718.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 331.01 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 339.16 718.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 363.54 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 380.15 718.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 417.86 718.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 470.57 718.10 Td (must ) Tj ET Q q 0 0 0 rg BT 492.19 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 503.80 718.10 Td (made ) Tj ET Q q 0 0 0 rg BT 527.63 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 539.80 718.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 103.22 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.11 706.10 Td (same ) Tj ET Q q 0 0 0 rg BT 141.33 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 152.33 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 160.48 706.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 183.69 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 194.14 706.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 243.46 706.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 293.89 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.34 706.10 Td (other ) Tj ET Q q 0 0 0 rg BT 327.56 706.10 Td (persons, ) Tj ET Q q 0 0 0 rg BT 363.29 706.10 Td (except ) Tj ET Q q 0 0 0 rg BT 392.05 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 409.72 706.10 Td (such ) Tj ET Q q 0 0 0 rg BT 430.72 706.10 Td (insiders ) Tj ET Q q 0 0 0 rg BT 464.50 706.10 Td (may ) Tj ET Q q 0 0 0 rg BT 484.39 706.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 515.93 706.10 Td (preferential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.70 694.10 Td (made ) Tj ET Q q 0 0 0 rg BT 97.94 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 123.30 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 130.32 694.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 160.67 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 171.59 694.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 229.72 694.10 Td (program ) Tj ET Q q 0 0 0 rg BT 266.19 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 283.77 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 293.03 694.10 Td (widely ) Tj ET Q q 0 0 0 rg BT 322.83 694.10 Td (available ) Tj ET Q q 0 0 0 rg BT 361.51 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.88 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.68 694.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 431.48 694.10 Td (institution) Tj ET Q q 0 0 0 rg BT 474.82 694.10 Td (s ) Tj ET Q q 0 0 0 rg BT 481.30 694.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 526.66 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.68 694.10 Td (does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (not ) Tj ET Q q 0 0 0 rg BT 64.82 682.10 Td (give ) Tj ET Q q 0 0 0 rg BT 84.08 682.10 Td (preference ) Tj ET Q q 0 0 0 rg BT 128.31 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.13 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.39 682.10 Td (insider ) Tj ET Q q 0 0 0 rg BT 181.64 682.10 Td (over ) Tj ET Q q 0 0 0 rg BT 201.46 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.71 682.10 Td (employees. ) Tj ET Q q 0 0 0 rg BT 263.02 682.10 Td (Section22\(g\) ) Tj ET Q q 0 0 0 rg BT 319.22 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.59 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.85 682.10 Td (FRA) Tj ET Q q 0 0 0 rg BT 362.75 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 364.79 682.10 Td (places ) Tj ET Q q 0 0 0 rg BT 391.82 682.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 433.85 682.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 478.68 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 490.72 682.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 513.87 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.69 682.10 Td (executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 670.10 Td (ficers. ) Tj ET Q q 0 0 0 rg BT 85.11 670.10 Td (In ) Tj ET Q q 0 0 0 rg BT 95.70 670.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 130.73 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.77 670.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 184.12 670.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 230.81 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 243.07 670.10 Td (insider ) Tj ET Q q 0 0 0 rg BT 272.54 670.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 325.06 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.54 670.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 390.18 670.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 406.87 670.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 445.78 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.25 670.10 Td (types ) Tj ET Q q 0 0 0 rg BT 483.62 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 494.20 670.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 544.22 670.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (insiders ) Tj ET Q q 0 0 0 rg BT 83.61 658.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 114.43 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.71 658.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 174.15 658.10 Td (including ) Tj ET Q q 0 0 0 rg BT 214.42 658.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 244.12 658.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 266.06 658.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 288.00 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.28 658.10 Td (insiders.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 640.10 Td (Enfor) Tj ET Q q 0 0 0 rg BT 92.41 640.10 Td (cement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.22 640.10 Td () Tj ET Q q 0 0 0 rg BT 130.54 640.10 Td (The ) Tj ET Q q 0 0 0 rg BT 149.31 640.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 175.31 640.10 Td (has ) Tj ET Q q 0 0 0 rg BT 191.85 640.10 Td (extensive ) Tj ET Q q 0 0 0 rg BT 232.83 640.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 286.02 640.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 325.34 640.10 Td (over ) Tj ET Q q 0 0 0 rg BT 346.33 640.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 378.98 640.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 408.03 640.10 Td (including ) Tj ET Q q 0 0 0 rg BT 449.02 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.45 640.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 491.04 640.10 Td (This ) Tj ET Q q 0 0 0 rg BT 512.04 640.10 Td (enforcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 87.63 628.10 Td (includes, ) Tj ET Q q 0 0 0 rg BT 124.99 628.10 Td (among ) Tj ET Q q 0 0 0 rg BT 153.74 628.10 Td (other ) Tj ET Q q 0 0 0 rg BT 175.82 628.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 204.29 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.04 628.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 245.12 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.43 628.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 280.41 628.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 299.71 628.10 Td (money ) Tj ET Q q 0 0 0 rg BT 328.46 628.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 368.03 628.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 389.56 628.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 412.74 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.71 628.10 Td (desist ) Tj ET Q q 0 0 0 rg BT 453.02 628.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 479.54 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.51 628.10 Td (remove ) Tj ET Q q 0 0 0 rg BT 527.02 628.10 Td (directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.08 616.10 Td (of) Tj ET Q q 0 0 0 rg BT 75.23 616.10 Td (ficers. ) Tj ET Q q 0 0 0 rg BT 102.57 616.10 Td (In ) Tj ET Q q 0 0 0 rg BT 113.54 616.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 148.10 616.10 Td (these ) Tj ET Q q 0 0 0 rg BT 171.29 616.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 223.90 616.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 254.86 616.10 Td (may ) Tj ET Q q 0 0 0 rg BT 274.71 616.10 Td (be ) Tj ET Q q 0 0 0 rg BT 286.79 616.10 Td (initiated ) Tj ET Q q 0 0 0 rg BT 322.20 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 332.61 616.10 Td (response ) Tj ET Q q 0 0 0 rg BT 370.24 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.66 616.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 422.74 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.71 616.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 454.68 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.75 616.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 518.83 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.90 616.10 Td (unsafe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 604.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 97.22 604.10 Td (practices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.11 586.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 111.46 586.10 Td (has ) Tj ET Q q 0 0 0 rg BT 126.35 586.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 164.01 586.10 Td (under ) Tj ET Q q 0 0 0 rg BT 188.34 586.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 217.66 586.10 Td (law ) Tj ET Q q 0 0 0 rg BT 233.66 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.00 586.10 Td (appoint ) Tj ET Q q 0 0 0 rg BT 274.56 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.56 586.10 Td (conservator ) Tj ET Q q 0 0 0 rg BT 328.77 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 338.66 586.10 Td (receiver ) Tj ET Q q 0 0 0 rg BT 372.42 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 385.64 586.10 Td (an ) Tj ET Q q 0 0 0 rg BT 396.64 586.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 427.64 586.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 448.64 586.10 Td (under ) Tj ET Q q 0 0 0 rg BT 472.97 586.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 502.87 586.10 Td (circumstances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.27 574.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 93.77 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 103.16 574.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 141.69 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 162.19 574.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 192.11 574.10 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 240.10 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 250.60 574.10 Td (appoint ) Tj ET Q q 0 0 0 rg BT 283.31 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.47 574.10 Td (receiver ) Tj ET Q q 0 0 0 rg BT 325.38 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 336.43 574.10 Td (conservator ) Tj ET Q q 0 0 0 rg BT 385.80 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 400.18 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 412.33 574.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 444.49 574.10 Td (state ) Tj ET Q q 0 0 0 rg BT 465.54 574.10 Td (nonmember ) Tj ET Q q 0 0 0 rg BT 516.02 574.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 538.18 574.10 Td (if ) Tj ET Q q 0 0 0 rg BT 547.01 574.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 72.69 562.10 Td (was ) Tj ET Q q 0 0 0 rg BT 91.49 562.10 Td (critically ) Tj ET Q q 0 0 0 rg BT 134.72 562.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 208.48 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.73 562.10 Td (average ) Tj ET Q q 0 0 0 rg BT 256.07 562.10 Td (during ) Tj ET Q q 0 0 0 rg BT 285.43 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.90 562.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 338.01 562.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 369.58 562.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 412.82 562.10 Td (270days ) Tj ET Q q 0 0 0 rg BT 451.90 562.10 Td (after ) Tj ET Q q 0 0 0 rg BT 473.47 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.94 562.10 Td (date ) Tj ET Q q 0 0 0 rg BT 508.84 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 522.09 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 549.78 562.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 93.04 550.10 Td (became ) Tj ET Q q 0 0 0 rg BT 126.05 550.10 Td (critically ) Tj ET Q q 0 0 0 rg BT 168.50 550.10 Td (undercapitalized. ) Tj ET Q q 0 0 0 rg BT 243.81 550.10 Td (The ) Tj ET Q q 0 0 0 rg BT 261.83 550.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 287.10 550.10 Td (may ) Tj ET Q q 0 0 0 rg BT 306.79 550.10 Td (also ) Tj ET Q q 0 0 0 rg BT 325.37 550.10 Td (appoint ) Tj ET Q q 0 0 0 rg BT 357.85 550.10 Td (itself ) Tj ET Q q 0 0 0 rg BT 380.32 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 391.13 550.10 Td (conservator ) Tj ET Q q 0 0 0 rg BT 440.25 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 451.06 550.10 Td (receiver ) Tj ET Q q 0 0 0 rg BT 485.73 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 499.86 550.10 Td (an ) Tj ET Q q 0 0 0 rg BT 511.78 550.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 543.69 550.10 Td (state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (non-member ) Tj ET Q q 0 0 0 rg BT 103.76 538.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 146.99 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 172.43 538.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 206.19 538.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 265.50 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 278.17 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.05 538.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 315.72 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.72 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.61 538.10 Td (institution) Tj ET Q q 0 0 0 rg BT 384.95 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 391.51 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 429.16 538.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 469.60 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 480.60 538.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 503.26 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.15 538.10 Td (occurrence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 84.06 526.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 114.70 526.10 Td (including: ) Tj ET Q q 0 0 0 rg BT 157.84 526.10 Td (\(1\)insolvency; ) Tj ET Q q 0 0 0 rg BT 220.70 526.10 Td (\(2\)substantial ) Tj ET Q q 0 0 0 rg BT 280.22 526.10 Td (dissipation ) Tj ET Q q 0 0 0 rg BT 326.15 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.07 526.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 362.99 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.92 526.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 410.38 526.10 Td (through ) Tj ET Q q 0 0 0 rg BT 444.08 526.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 486.12 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.04 526.10 Td (law ) Tj ET Q q 0 0 0 rg BT 514.07 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 524.99 526.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 553.68 526.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 85.58 514.10 Td (practices; ) Tj ET Q q 0 0 0 rg BT 125.58 514.10 Td (\(3\)existence ) Tj ET Q q 0 0 0 rg BT 178.63 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.65 514.10 Td (an ) Tj ET Q q 0 0 0 rg BT 199.78 514.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 227.57 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 237.59 514.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 273.17 514.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 312.63 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 322.10 514.10 Td (transact ) Tj ET Q q 0 0 0 rg BT 354.88 514.10 Td (business; ) Tj ET Q q 0 0 0 rg BT 393.24 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.37 514.10 Td (\(4\)insuf) Tj ET Q q 0 0 0 rg BT 443.35 514.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 470.58 514.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 501.42 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 511.44 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.35 514.10 Td (incurring ) 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 60.42 502.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 86.41 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 103.50 502.10 Td (will ) Tj ET Q q 0 0 0 rg BT 121.15 502.10 Td (deplete ) Tj ET Q q 0 0 0 rg BT 152.11 502.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 204.76 502.10 Td (all ) Tj ET Q q 0 0 0 rg BT 216.85 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.27 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.58 502.10 Td (institution) Tj ET Q q 0 0 0 rg BT 284.92 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 290.91 502.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 319.65 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 339.52 502.10 Td (no ) Tj ET Q q 0 0 0 rg BT 351.62 502.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 396.47 502.10 Td (prospect ) Tj ET Q q 0 0 0 rg BT 432.44 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.86 502.10 Td (replenishment ) Tj ET Q q 0 0 0 rg BT 501.60 502.10 Td (without ) Tj ET Q q 0 0 0 rg BT 534.25 502.10 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (assistance.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 472.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 112.42 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.63 472.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 155.99 472.10 Td (Accounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.14 472.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 236.18 472.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 273.59 472.10 Td (at ) Tj ET Q q 0 0 0 rg BT 283.24 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.88 472.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 321.42 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 336.05 472.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 367.92 472.10 Td (by ) Tj ET Q q 0 0 0 rg BT 380.35 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.99 472.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 428.53 472.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 469.83 472.10 Td (Fund, ) Tj ET Q q 0 0 0 rg BT 495.31 472.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 534.95 472.10 Td (up ) Tj ET Q q 0 0 0 rg BT 547.37 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.58 472.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 92.88 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.54 460.10 Td ($250,000 ) Tj ET Q q 0 0 0 rg BT 143.37 460.10 Td (per ) Tj ET Q q 0 0 0 rg BT 158.47 460.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 201.33 460.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 233.10 460.10 Td (depositor) Tj ET Q q 0 0 0 rg BT 269.91 460.10 Td (, ) Tj ET Q q 0 0 0 rg BT 274.74 460.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 311.51 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.62 460.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 356.15 460.10 Td (made ) Tj ET Q q 0 0 0 rg BT 380.14 460.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 424.67 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 437.00 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.54 460.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 502.24 460.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 521.34 460.10 Td (The ) Tj ET Q q 0 0 0 rg BT 539.21 460.10 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (assesses ) Tj ET Q q 0 0 0 rg BT 85.53 448.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 117.72 448.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 162.69 448.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 209.90 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.43 448.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 258.17 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.14 448.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 307.01 448.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 348.63 448.10 Td (Fund. ) Tj ET Q q 0 0 0 rg BT 374.44 448.10 Td (No ) Tj ET Q q 0 0 0 rg BT 389.42 448.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 432.73 448.10 Td (may ) Tj ET Q q 0 0 0 rg BT 452.71 448.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 469.90 448.10 Td (a ) Tj ET Q q 0 0 0 rg BT 477.09 448.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 514.84 448.10 Td (if ) Tj ET Q q 0 0 0 rg BT 523.70 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 534.23 448.10 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 436.10 Td (its ) Tj ET Q q 0 0 0 rg BT 72.78 436.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 104.17 436.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 144.98 436.10 Td (assessment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 418.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 98.26 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.75 418.10 Td (FDIC) Tj ET Q q 0 0 0 rg BT 139.31 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 146.48 418.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 190.85 418.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 238.56 418.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 272.11 418.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 304.82 418.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 350.31 418.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 398.04 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 413.52 418.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 451.23 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 462.28 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 469.99 418.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 488.27 418.10 Td (category ) Tj ET Q q 0 0 0 rg BT 525.96 418.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 418.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 99.44 406.10 Td (evaluations, ) Tj ET Q q 0 0 0 rg BT 150.25 406.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 194.12 406.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 223.55 406.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 249.65 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.86 406.10 Td (other ) Tj ET Q q 0 0 0 rg BT 290.18 406.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 322.05 406.10 Td (A) Tj ET Q q 0 0 0 rg BT 328.72 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.50 406.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 376.49 406.10 Td (institution) Tj ET Q q 0 0 0 rg BT 419.83 406.10 Td (s ) Tj ET Q q 0 0 0 rg BT 426.49 406.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 473.71 406.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 491.47 406.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 527.01 406.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 549.79 406.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (category ) Tj ET Q q 0 0 0 rg BT 85.88 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.11 394.10 Td (which ) Tj ET Q q 0 0 0 rg BT 121.01 394.10 Td (it ) Tj ET Q q 0 0 0 rg BT 128.02 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 136.14 394.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 172.04 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.93 394.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.59 394.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 265.82 394.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 303.36 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 314.82 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.49 394.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 355.23 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 374.46 394.10 Td (less ) Tj ET Q q 0 0 0 rg BT 390.92 394.10 Td (risky ) Tj ET Q q 0 0 0 rg BT 412.37 394.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 458.28 394.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 486.95 394.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 511.18 394.10 Td (assessments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 376.10 Td (On ) Tj ET Q q 0 0 0 rg BT 85.34 376.10 Td (February7, ) Tj ET Q q 0 0 0 rg BT 134.56 376.10 Td (201) Tj ET Q q 0 0 0 rg BT 149.19 376.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 159.81 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 171.26 376.10 Td (required ) Tj ET Q q 0 0 0 rg BT 207.70 376.10 Td (by ) Tj ET Q q 0 0 0 rg BT 220.82 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.15 376.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 287.47 376.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 307.52 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.86 376.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 348.76 376.10 Td (published ) Tj ET Q q 0 0 0 rg BT 390.77 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.33 376.10 Td (final ) Tj ET Q q 0 0 0 rg BT 419.78 376.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 438.44 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 449.34 376.10 Td (revise ) Tj ET Q q 0 0 0 rg BT 476.34 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.67 376.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 523.68 376.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 96.65 364.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 128.97 364.10 Td (The ) Tj ET Q q 0 0 0 rg BT 146.73 364.10 Td (rule, ) Tj ET Q q 0 0 0 rg BT 166.98 364.10 Td (which ) Tj ET Q q 0 0 0 rg BT 193.62 364.10 Td (took ) Tj ET Q q 0 0 0 rg BT 213.61 364.10 Td (ef) Tj ET Q q 0 0 0 rg BT 221.20 364.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 237.90 364.10 Td (April1, ) Tj ET Q q 0 0 0 rg BT 271.22 364.10 Td (201) Tj ET Q q 0 0 0 rg BT 285.85 364.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 295.55 364.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 331.08 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.50 364.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 392.15 364.10 Td (base ) Tj ET Q q 0 0 0 rg BT 412.12 364.10 Td (used ) Tj ET Q q 0 0 0 rg BT 432.66 364.10 Td (for ) Tj ET Q q 0 0 0 rg BT 446.53 364.10 Td (calculating ) Tj ET Q q 0 0 0 rg BT 492.60 364.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 523.69 364.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 101.10 352.10 Td (from ) Tj ET Q q 0 0 0 rg BT 123.31 352.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 158.85 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.40 352.10 Td (average ) Tj ET Q q 0 0 0 rg BT 203.25 352.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 256.56 352.10 Td (total ) Tj ET Q q 0 0 0 rg BT 277.10 352.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 303.20 352.10 Td (less ) Tj ET Q q 0 0 0 rg BT 320.97 352.10 Td (average ) Tj ET Q q 0 0 0 rg BT 354.82 352.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 389.80 352.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 417.57 352.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 449.49 352.10 Td (Since ) Tj ET Q q 0 0 0 rg BT 474.47 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.46 352.10 Td (new ) Tj ET Q q 0 0 0 rg BT 508.89 352.10 Td (base ) Tj ET Q q 0 0 0 rg BT 529.42 352.10 Td (is ) Tj ET Q q 0 0 0 rg BT 538.86 352.10 Td (lar) Tj ET Q q 0 0 0 rg BT 549.23 352.10 Td (ger ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.87 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.74 340.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 121.83 340.10 Td (base, ) Tj ET Q q 0 0 0 rg BT 144.76 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.63 340.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 185.06 340.10 Td (also ) Tj ET Q q 0 0 0 rg BT 203.83 340.10 Td (lowered ) Tj ET Q q 0 0 0 rg BT 238.69 340.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 285.78 340.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 307.31 340.10 Td (so ) Tj ET Q q 0 0 0 rg BT 318.85 340.10 Td (that ) Tj ET Q q 0 0 0 rg BT 336.50 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.37 340.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 369.58 340.10 Td (would ) Tj ET Q q 0 0 0 rg BT 397.23 340.10 Td (not ) Tj ET Q q 0 0 0 rg BT 412.66 340.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 465.31 340.10 Td (alter ) Tj ET Q q 0 0 0 rg BT 485.72 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.59 340.10 Td (total ) Tj ET Q q 0 0 0 rg BT 521.02 340.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.67 340.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 84.27 328.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 122.99 328.10 Td (from ) Tj ET Q q 0 0 0 rg BT 145.06 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.90 328.10 Td (industry) Tj ET Q q 0 0 0 rg BT 192.03 328.10 Td (. ) Tj ET Q q 0 0 0 rg BT 196.97 328.10 Td (The ) Tj ET Q q 0 0 0 rg BT 215.15 328.10 Td (range ) Tj ET Q q 0 0 0 rg BT 239.98 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.94 328.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 286.89 328.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 333.96 328.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 355.47 328.10 Td (is ) Tj ET Q q 0 0 0 rg BT 364.76 328.10 Td (now ) Tj ET Q q 0 0 0 rg BT 384.61 328.10 Td (2.5 ) Tj ET Q q 0 0 0 rg BT 399.74 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.15 328.10 Td (45 ) Tj ET Q q 0 0 0 rg BT 422.78 328.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 445.41 328.10 Td (points ) Tj ET Q q 0 0 0 rg BT 472.48 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.44 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.29 328.10 Td (new ) Tj ET Q q 0 0 0 rg BT 517.58 328.10 Td (assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (base. ) Tj ET Q q 0 0 0 rg BT 73.00 316.10 Td (The ) Tj ET Q q 0 0 0 rg BT 91.49 316.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 109.99 316.10 Td (is ) Tj ET Q q 0 0 0 rg BT 119.60 316.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 158.08 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 168.80 316.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 199.51 316.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 231.89 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 269.82 316.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 319.72 316.10 Td (which ) Tj ET Q q 0 0 0 rg BT 347.10 316.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 385.04 316.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 403.53 316.10 Td (more ) Tj ET Q q 0 0 0 rg BT 427.02 316.10 Td (on ) Tj ET Q q 0 0 0 rg BT 439.97 316.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 475.69 316.10 Td (for ) Tj ET Q q 0 0 0 rg BT 490.30 316.10 Td (funding, ) Tj ET Q q 0 0 0 rg BT 526.85 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.24 316.10 Td (shift ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (more ) Tj ET Q q 0 0 0 rg BT 73.26 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.30 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.22 304.10 Td (burden ) Tj ET Q q 0 0 0 rg BT 129.70 304.10 Td (for ) Tj ET Q q 0 0 0 rg BT 144.07 304.10 Td (supporting ) Tj ET Q q 0 0 0 rg BT 189.56 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.49 304.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 238.31 304.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 279.88 304.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 303.15 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.64 304.10 Td (lar) Tj ET Q q 0 0 0 rg BT 324.01 304.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 339.49 304.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 377.18 304.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 426.84 304.10 Td (which ) Tj ET Q q 0 0 0 rg BT 453.99 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 468.91 304.10 Td (thought ) Tj ET Q q 0 0 0 rg BT 502.17 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 512.66 304.10 Td (have ) Tj ET Q q 0 0 0 rg BT 534.25 304.10 Td (greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (access ) Tj ET Q q 0 0 0 rg BT 78.04 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.32 292.10 Td (nondeposit ) Tj ET Q q 0 0 0 rg BT 134.70 292.10 Td (funding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.00 274.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 138.79 274.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 155.68 274.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 195.89 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.56 274.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 251.90 274.10 Td (tar) Tj ET Q q 0 0 0 rg BT 262.27 274.10 Td (get ) Tj ET Q q 0 0 0 rg BT 276.94 274.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 310.50 274.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 351.82 274.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 374.83 274.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 395.61 274.10 Td (from ) Tj ET Q q 0 0 0 rg BT 417.50 274.10 Td (1.15% ) Tj ET Q q 0 0 0 rg BT 445.79 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.57 274.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 497.34 274.10 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 (to ) Tj ET Q q 0 0 0 rg BT 60.76 262.10 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 89.56 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.87 262.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 142.17 262.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 174.58 262.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 212.63 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 231.15 262.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 256.91 262.10 Td (must ) Tj ET Q q 0 0 0 rg BT 279.34 262.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 300.08 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 310.84 262.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 344.35 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.54 262.10 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 388.35 262.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 409.65 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 422.63 262.10 Td (September30, ) Tj ET Q q 0 0 0 rg BT 483.37 262.10 Td (2020. ) Tj ET Q q 0 0 0 rg BT 508.85 262.10 Td (In ) Tj ET Q q 0 0 0 rg BT 520.16 262.10 Td (setting ) Tj ET Q q 0 0 0 rg BT 549.80 262.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 101.71 250.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 143.95 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 155.10 250.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 189.01 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.60 250.10 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 233.81 250.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 258.01 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.60 250.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 299.76 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 309.80 250.10 Td (supposed ) Tj ET Q q 0 0 0 rg BT 350.40 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.56 250.10 Td (of) Tj ET Q q 0 0 0 rg BT 369.71 250.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 387.52 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.11 250.10 Td (ef) Tj ET Q q 0 0 0 rg BT 410.70 250.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 429.06 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.77 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.36 250.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 497.49 250.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 519.19 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 532.56 250.10 Td (insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.86 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 117.05 238.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 142.79 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.53 238.10 Td (less ) Tj ET Q q 0 0 0 rg BT 170.94 238.10 Td (than ) Tj ET Q q 0 0 0 rg BT 190.56 238.10 Td ($10billion. ) Tj ET Q q 0 0 0 rg BT 238.91 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 256.86 238.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 307.62 238.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 324.47 238.10 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 369.09 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.71 238.10 Td (1.5% ) Tj ET Q q 0 0 0 rg BT 406.95 238.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 449.91 238.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 470.65 238.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 493.88 238.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 524.62 238.10 Td (leaving ) Tj ET Q q 0 0 0 rg BT 556.46 238.10 Td (it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 226.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 116.93 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.76 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.48 226.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 170.08 226.10 Td (The ) Tj ET Q q 0 0 0 rg BT 188.13 226.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 213.41 226.10 Td (has ) Tj ET Q q 0 0 0 rg BT 229.24 226.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 269.49 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 286.99 226.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 328.92 226.10 Td (by ) Tj ET Q q 0 0 0 rg BT 341.42 226.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 391.69 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.63 226.10 Td (long ) Tj ET Q q 0 0 0 rg BT 418.91 226.10 Td (range ) Tj ET Q q 0 0 0 rg BT 443.62 226.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 464.45 226.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 485.27 226.10 Td (of2%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 208.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.18 208.10 Td (material ) Tj ET Q q 0 0 0 rg BT 114.44 208.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 149.70 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.99 208.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 185.28 208.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 226.10 208.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 268.61 208.10 Td (would ) Tj ET Q q 0 0 0 rg BT 296.11 208.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 321.39 208.10 Td (have ) Tj ET Q q 0 0 0 rg BT 342.78 208.10 Td (an ) Tj ET Q q 0 0 0 rg BT 354.72 208.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 387.77 208.10 Td (ef) Tj ET Q q 0 0 0 rg BT 395.36 208.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 412.85 208.10 Td (on ) Tj ET Q q 0 0 0 rg BT 425.36 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.08 208.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 480.35 208.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 518.96 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.90 208.10 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 196.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 104.99 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.82 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.53 196.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 156.64 196.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 211.34 196.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 240.50 196.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 270.76 196.10 Td (what ) Tj ET Q q 0 0 0 rg BT 292.70 196.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 317.98 196.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 358.80 196.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 405.74 196.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 427.11 196.10 Td (will ) Tj ET Q q 0 0 0 rg BT 445.17 196.10 Td (be ) Tj ET Q q 0 0 0 rg BT 457.11 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 467.39 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.10 196.10 Td (future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 178.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 111.53 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.52 178.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 157.96 178.10 Td (may ) Tj ET Q q 0 0 0 rg BT 177.84 178.10 Td (be ) Tj ET Q q 0 0 0 rg BT 189.94 178.10 Td (terminated ) Tj ET Q q 0 0 0 rg BT 235.36 178.10 Td (by ) Tj ET Q q 0 0 0 rg BT 248.02 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.90 178.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 288.34 178.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 311.00 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 318.10 178.10 Td (finding ) Tj ET Q q 0 0 0 rg BT 349.65 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.30 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 374.40 178.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 419.28 178.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 462.50 178.10 Td (has ) Tj ET Q q 0 0 0 rg BT 478.50 178.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 514.47 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.91 178.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 553.67 178.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 85.97 166.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 126.08 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 134.82 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.68 166.10 Td (an ) Tj ET Q q 0 0 0 rg BT 156.19 166.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 184.37 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 194.78 166.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 230.74 166.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 270.59 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.45 166.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 316.96 166.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 360.69 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 371.10 166.10 Td (has ) Tj ET Q q 0 0 0 rg BT 386.50 166.10 Td (violated ) Tj ET Q q 0 0 0 rg BT 420.79 166.10 Td (any ) Tj ET Q q 0 0 0 rg BT 437.31 166.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 480.47 166.10 Td (law) Tj ET Q q 0 0 0 rg BT 494.26 166.10 Td (, ) Tj ET Q q 0 0 0 rg BT 498.84 166.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 543.96 166.10 Td (rule, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (order ) Tj ET Q q 0 0 0 rg BT 74.53 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 86.29 154.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 127.50 154.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 164.82 154.10 Td (by ) Tj ET Q q 0 0 0 rg BT 178.25 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.90 154.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 222.37 154.10 Td (W) Tj ET Q q 0 0 0 rg BT 231.01 154.10 Td (e ) Tj ET Q q 0 0 0 rg BT 238.88 154.10 Td (are ) Tj ET Q q 0 0 0 rg BT 254.52 154.10 Td (not ) Tj ET Q q 0 0 0 rg BT 270.73 154.10 Td (aware ) Tj ET Q q 0 0 0 rg BT 298.03 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.79 154.10 Td (any ) Tj ET Q q 0 0 0 rg BT 327.66 154.10 Td (current ) Tj ET Q q 0 0 0 rg BT 359.41 154.10 Td (practice, ) Tj ET Q q 0 0 0 rg BT 396.98 154.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 438.19 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 449.95 154.10 Td (violation ) Tj ET Q q 0 0 0 rg BT 488.94 154.10 Td (that ) Tj ET Q q 0 0 0 rg BT 507.36 154.10 Td (might ) Tj ET Q q 0 0 0 rg BT 534.13 154.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 554.22 154.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 98.60 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.43 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.15 142.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 148.03 142.10 Td (s ) Tj ET Q q 0 0 0 rg BT 154.42 142.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 185.81 142.10 Td (insurance.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 124.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 104.14 124.10 Td (Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.64 124.10 Td (In ) Tj ET Q q 0 0 0 rg BT 170.50 124.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 206.31 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 217.12 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.37 124.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 279.83 124.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 309.24 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.49 124.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 348.38 124.10 Td (s ) Tj ET Q q 0 0 0 rg BT 355.30 124.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 387.22 124.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 431.91 124.10 Td (are ) Tj ET Q q 0 0 0 rg BT 447.15 124.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 478.51 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.32 124.10 Td (other ) Tj ET Q q 0 0 0 rg BT 512.90 124.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 543.68 124.10 Td (laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 93.59 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.87 112.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 148.58 112.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 188.57 112.10 Td (such ) Tj ET Q q 0 0 0 rg BT 209.40 112.10 Td (as ) Tj ET Q q 0 0 0 rg BT 220.23 112.10 Td (the:) 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 (T) Tj ET Q q 0 0 0 rg BT 91.76 94.10 Td (ruth-In-Savings ) Tj ET Q q 0 0 0 rg BT 156.47 94.10 Td (Act, requiring certain disclosures for consumer deposit accounts;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 76.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 76.10 Td (Right to Financial Privacy ) Tj ET Q q 0 0 0 rg BT 193.21 76.10 Td (Act, which imposes a duty to maintain confidentiality of consumer financial records and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 64.10 Td (prescribes procedures for complying with administrative subpoenas of financial records;) 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 (14) 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 (Electronic Fund ) Tj ET Q q 0 0 0 rg BT 152.47 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 158.23 742.10 Td (ransfer ) Tj ET Q q 0 0 0 rg BT 187.93 742.10 Td (Act and RegulationE issued by the Consumer Financial Protection Bureau to implement that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (act, which govern electronic deposits to and withdrawals from deposit accounts and customers) Tj ET Q q 0 0 0 rg BT 466.54 730.10 Td ( rights and liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (arising from the use of automated teller machines and other electronic banking services; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 700.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 700.10 Td (Rules and regulations of the various federal banking agencies char) Tj ET Q q 0 0 0 rg BT 351.56 700.10 Td (ged with the responsibility of implementing these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 688.10 Td (federal laws.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 670.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 105.18 670.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 140.35 670.10 Td (System.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.62 670.10 Td () Tj ET Q q 0 0 0 rg BT 177.94 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 197.02 670.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 230.53 670.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 266.26 670.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 294.23 670.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 342.19 670.10 Td (require ) Tj ET Q q 0 0 0 rg BT 374.03 670.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 419.77 670.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 467.75 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.06 670.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 517.58 670.10 Td (noninterest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 82.51 658.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 117.79 658.10 Td (against ) Tj ET Q q 0 0 0 rg BT 148.64 658.10 Td (their ) Tj ET Q q 0 0 0 rg BT 169.49 658.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 215.88 658.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 253.39 658.10 Td (\(primarily ) Tj ET Q q 0 0 0 rg BT 296.46 658.10 Td (NOW) Tj ET Q q 0 0 0 rg BT 320.16 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.68 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.64 658.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 370.48 658.10 Td (checking ) Tj ET Q q 0 0 0 rg BT 409.10 658.10 Td (accounts\). ) Tj ET Q q 0 0 0 rg BT 452.26 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 470.33 658.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 502.84 658.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 537.57 658.10 Td (Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 96.75 646.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 136.27 646.10 Td (require ) Tj ET Q q 0 0 0 rg BT 166.91 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 184.22 646.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 219.30 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 231.05 646.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 277.80 646.10 Td (against ) Tj ET Q q 0 0 0 rg BT 308.44 646.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 349.63 646.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 395.82 646.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 435.45 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 453.32 646.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 476.74 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 485.73 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 495.83 646.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 544.24 646.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.05 634.10 Td (requirements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 616.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 104.67 616.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 131.57 616.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 155.15 616.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 178.72 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.51 616.10 Td (Boston ) Tj ET Q q 0 0 0 rg BT 220.31 616.10 Td (\(FHLB\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.47 616.10 Td () Tj ET Q q 0 0 0 rg BT 261.79 616.10 Td (The ) Tj ET Q q 0 0 0 rg BT 280.35 616.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 304.48 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 314.17 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 321.62 616.10 Td (member ) Tj ET Q q 0 0 0 rg BT 357.40 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.75 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.98 616.10 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 415.06 616.10 Td (which ) Tj ET Q q 0 0 0 rg BT 442.52 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 452.21 616.10 Td (one ) Tj ET Q q 0 0 0 rg BT 469.66 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.01 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.25 616.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 532.03 616.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 77.29 604.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 100.68 604.10 Td (Banks ) Tj ET Q q 0 0 0 rg BT 128.53 604.10 Td (composing ) Tj ET Q q 0 0 0 rg BT 175.26 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.33 604.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 223.16 604.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 250.45 604.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 273.84 604.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 297.80 604.10 Td (System. ) Tj ET Q q 0 0 0 rg BT 332.60 604.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 355.43 604.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 388.26 604.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 415.55 604.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 438.95 604.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 462.90 604.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 490.74 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 501.92 604.10 Td (a ) Tj ET Q q 0 0 0 rg BT 509.21 604.10 Td (central ) Tj ET Q q 0 0 0 rg BT 539.26 604.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 80.28 592.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 119.45 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 133.07 592.10 Td (its ) Tj ET Q q 0 0 0 rg BT 144.48 592.10 Td (member ) Tj ET Q q 0 0 0 rg BT 179.21 592.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 227.98 592.10 Td (The ) Tj ET Q q 0 0 0 rg BT 245.49 592.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 271.05 592.10 Td (as ) Tj ET Q q 0 0 0 rg BT 281.35 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.74 592.10 Td (member ) Tj ET Q q 0 0 0 rg BT 322.47 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.76 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.94 592.10 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 376.96 592.10 Td (is ) Tj ET Q q 0 0 0 rg BT 385.59 592.10 Td (required ) Tj ET Q q 0 0 0 rg BT 420.86 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.60 592.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 461.99 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.39 592.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 498.13 592.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 525.08 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 535.37 592.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.61 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 83.89 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.60 580.10 Td (FHLB.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 562.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 118.89 562.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 174.78 562.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 190.89 562.10 Td (\(CRA\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.94 562.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 254.21 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.21 562.10 Td (CRA, ) Tj ET Q q 0 0 0 rg BT 295.06 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 306.17 562.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 361.16 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 373.94 562.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 399.51 562.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 449.23 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 456.45 562.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 478.67 562.10 Td (has ) Tj ET Q q 0 0 0 rg BT 494.78 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 502.01 562.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 547.56 562.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 550.10 Td (firmative ) Tj ET Q q 0 0 0 rg BT 96.08 550.10 Td (obligation, ) Tj ET Q q 0 0 0 rg BT 140.96 550.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 182.80 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 202.41 550.10 Td (its ) Tj ET Q q 0 0 0 rg BT 213.70 550.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 231.63 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.91 550.10 Td (sound ) Tj ET Q q 0 0 0 rg BT 273.64 550.10 Td (operation, ) Tj ET Q q 0 0 0 rg BT 315.74 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.36 550.10 Td (help ) Tj ET Q q 0 0 0 rg BT 344.41 550.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 365.68 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.74 550.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 404.34 550.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 428.94 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.11 550.10 Td (its ) Tj ET Q q 0 0 0 rg BT 450.40 550.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 475.00 550.10 Td (community) Tj ET Q q 0 0 0 rg BT 519.90 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 524.24 550.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (low ) Tj ET Q q 0 0 0 rg BT 67.91 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 85.25 538.10 Td (moderate ) Tj ET Q q 0 0 0 rg BT 125.36 538.10 Td (income ) Tj ET Q q 0 0 0 rg BT 157.70 538.10 Td (neighborhoods. ) Tj ET Q q 0 0 0 rg BT 222.34 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 240.79 538.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 260.80 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 263.71 538.10 Td (does ) Tj ET Q q 0 0 0 rg BT 284.94 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 300.63 538.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 338.53 538.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 372.53 538.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 405.43 538.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 460.54 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 471.78 538.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 512.45 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 527.02 538.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.72 526.10 Td (nor ) Tj ET Q q 0 0 0 rg BT 112.32 526.10 Td (does ) Tj ET Q q 0 0 0 rg BT 132.92 526.10 Td (it ) Tj ET Q q 0 0 0 rg BT 140.75 526.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 161.91 526.10 Td (an ) Tj ET Q q 0 0 0 rg BT 173.62 526.10 Td (institution) Tj ET Q q 0 0 0 rg BT 216.96 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 223.12 526.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 264.82 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.87 526.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 308.79 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.28 526.10 Td (types ) Tj ET Q q 0 0 0 rg BT 346.66 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.26 526.10 Td (products ) Tj ET Q q 0 0 0 rg BT 393.97 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.67 526.10 Td (services ) Tj ET Q q 0 0 0 rg BT 445.15 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 462.42 526.10 Td (it ) Tj ET Q q 0 0 0 rg BT 470.24 526.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 505.27 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 519.75 526.10 Td (best ) Tj ET Q q 0 0 0 rg BT 538.13 526.10 Td (suited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.44 514.10 Td (its ) Tj ET Q q 0 0 0 rg BT 72.56 514.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 113.54 514.10 Td (community) Tj ET Q q 0 0 0 rg BT 158.44 514.10 Td (. ) Tj ET Q q 0 0 0 rg BT 163.41 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.62 514.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 201.63 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 204.30 514.10 Td (does ) Tj ET Q q 0 0 0 rg BT 225.30 514.10 Td (require ) Tj ET Q q 0 0 0 rg BT 256.28 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.16 514.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 299.11 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.55 514.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 356.09 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 376.54 514.10 Td (its ) Tj ET Q q 0 0 0 rg BT 388.65 514.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 440.74 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 451.74 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.85 514.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 483.45 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.89 514.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 521.00 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 514.10 Td (bank) Tj ET Q q 0 0 0 rg BT 558.10 514.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (record ) Tj ET Q q 0 0 0 rg BT 78.05 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.89 502.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 123.61 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.34 502.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 163.62 502.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 188.90 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.74 502.10 Td (its ) Tj ET Q q 0 0 0 rg BT 211.70 502.10 Td (community ) Tj ET Q q 0 0 0 rg BT 259.76 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.71 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.00 502.10 Td (take ) Tj ET Q q 0 0 0 rg BT 306.17 502.10 Td (such ) Tj ET Q q 0 0 0 rg BT 327.01 502.10 Td (record ) Tj ET Q q 0 0 0 rg BT 355.05 502.10 Td (into ) Tj ET Q q 0 0 0 rg BT 373.12 502.10 Td (account ) Tj ET Q q 0 0 0 rg BT 406.73 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.02 502.10 Td (its ) Tj ET Q q 0 0 0 rg BT 428.98 502.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 473.14 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.98 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 513.69 502.10 Td (applications ) 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 62.50 490.10 Td (such ) Tj ET Q q 0 0 0 rg BT 83.34 490.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 107.78 490.10 Td (including ) Tj ET Q q 0 0 0 rg BT 148.06 490.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 198.89 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 209.17 490.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 241.10 490.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 279.14 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.08 490.10 Td (other ) Tj ET Q q 0 0 0 rg BT 319.14 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.62 490.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 405.90 490.10 Td (The ) Tj ET Q q 0 0 0 rg BT 423.95 490.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 443.96 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 446.46 490.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 481.18 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.90 490.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 521.19 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.47 490.10 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.20 478.10 Td (written ) Tj ET Q q 0 0 0 rg BT 86.28 478.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 129.69 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.78 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 145.98 478.10 Td (bank) Tj ET Q q 0 0 0 rg BT 168.20 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 173.85 478.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 193.86 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.62 478.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 247.90 478.10 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 282.99 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 289.18 478.10 Td (four) Tj ET Q q 0 0 0 rg BT 305.64 478.10 Td (-tiered ) Tj ET Q q 0 0 0 rg BT 333.50 478.10 Td (descriptive ) Tj ET Q q 0 0 0 rg BT 379.13 478.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 404.21 478.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 436.25 478.10 Td (In ) Tj ET Q q 0 0 0 rg BT 446.34 478.10 Td (particular) Tj ET Q q 0 0 0 rg BT 484.25 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 488.51 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.49 478.10 Td (system ) Tj ET Q q 0 0 0 rg BT 532.02 478.10 Td (focuses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 466.10 Td (three ) Tj ET Q q 0 0 0 rg BT 84.99 466.10 Td (tests:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 448.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 448.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 448.10 Td ( lending test, to evaluate the bank) Tj ET Q q 0 0 0 rg BT 229.57 448.10 Td (s record of making loans in its assessment areas;) 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 (An investment test, to evaluate the bank) Tj ET Q q 0 0 0 rg BT 249.01 430.10 Td (s record of investing in community development projects, af) Tj ET Q q 0 0 0 rg BT 490.16 430.10 Td (fordable housing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 418.10 Td (and programs benefiting low or moderate income individuals and businesses; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 400.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 400.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 400.10 Td ( service test, to evaluate the bank) Tj ET Q q 0 0 0 rg BT 227.89 400.10 Td (s delivery of services through its branches, ) Tj ET Q q 0 0 0 rg BT 400.63 400.10 Td (A) Tj ET Q q 0 0 0 rg BT 406.74 400.10 Td (TMs, and other of) Tj ET Q q 0 0 0 rg BT 478.77 400.10 Td (fices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 382.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 119.91 382.10 Td (has ) Tj ET Q q 0 0 0 rg BT 134.84 382.10 Td (its ) Tj ET Q q 0 0 0 rg BT 145.88 382.10 Td (own ) Tj ET Q q 0 0 0 rg BT 164.70 382.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 201.29 382.10 Td (counterpart ) Tj ET Q q 0 0 0 rg BT 248.41 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.79 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.60 382.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 291.61 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 293.20 382.10 Td (which ) Tj ET Q q 0 0 0 rg BT 319.23 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 327.50 382.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 370.18 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 379.55 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.36 382.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 418.45 382.10 Td (The ) Tj ET Q q 0 0 0 rg BT 435.59 382.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 485.51 382.10 Td (version ) Tj ET Q q 0 0 0 rg BT 516.54 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 524.80 382.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.60 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.20 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.24 370.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 126.25 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.07 370.10 Td (but ) Tj ET Q q 0 0 0 rg BT 144.67 370.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 176.37 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 183.63 370.10 Td (five-tiered ) Tj ET Q q 0 0 0 rg BT 228.10 370.10 Td (descriptive ) Tj ET Q q 0 0 0 rg BT 274.79 370.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 300.94 370.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 334.04 370.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 385.18 370.10 Td (law ) Tj ET Q q 0 0 0 rg BT 402.44 370.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 437.47 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.51 370.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 503.65 370.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 553.68 370.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 86.36 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.61 358.10 Td (consider) Tj ET Q q 0 0 0 rg BT 130.09 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 135.06 358.10 Td (but ) Tj ET Q q 0 0 0 rg BT 150.31 358.10 Td (not ) Tj ET Q q 0 0 0 rg BT 165.56 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 177.48 358.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 208.28 358.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 221.03 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 227.94 358.10 Td (bank) Tj ET Q q 0 0 0 rg BT 250.16 358.10 Td (s ) Tj ET Q q 0 0 0 rg BT 256.52 358.10 Td (record ) Tj ET Q q 0 0 0 rg BT 284.53 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.34 358.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 348.33 358.10 Td (under ) Tj ET Q q 0 0 0 rg BT 373.57 358.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 424.37 358.10 Td (law ) Tj ET Q q 0 0 0 rg BT 441.28 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.53 358.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 500.66 358.10 Td (any ) Tj ET Q q 0 0 0 rg BT 517.57 358.10 Td (application ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.53 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.28 346.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 100.92 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.23 346.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 148.76 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.73 346.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 185.47 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 196.33 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 219.41 346.10 Td (deposit-taking ) Tj ET Q q 0 0 0 rg BT 279.15 346.10 Td (facility) Tj ET Q q 0 0 0 rg BT 306.82 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 311.85 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 322.16 346.10 Td (relocate ) Tj ET Q q 0 0 0 rg BT 356.34 346.10 Td (an ) Tj ET Q q 0 0 0 rg BT 368.31 346.10 Td (of) Tj ET Q q 0 0 0 rg BT 376.46 346.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 393.97 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 404.83 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.14 346.10 Td (mer) Tj ET Q q 0 0 0 rg BT 430.51 346.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 442.48 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 453.34 346.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 501.42 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 521.73 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 532.59 346.10 Td (acquire ) 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 64.14 334.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 89.40 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.76 334.10 Td (assume ) Tj ET Q q 0 0 0 rg BT 137.13 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.27 334.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 190.42 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.67 334.10 Td (any ) Tj ET Q q 0 0 0 rg BT 217.04 334.10 Td (other ) Tj ET Q q 0 0 0 rg BT 239.51 334.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 273.65 334.10 Td (institution. ) Tj ET Q q 0 0 0 rg BT 318.64 334.10 Td (In ) Tj ET Q q 0 0 0 rg BT 328.90 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 344.15 334.10 Td (most ) Tj ET Q q 0 0 0 rg BT 365.53 334.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 391.88 334.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 435.45 334.10 Td (under ) Tj ET Q q 0 0 0 rg BT 460.15 334.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 510.40 334.10 Td (law ) Tj ET Q q 0 0 0 rg BT 526.76 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.90 334.10 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (received ) Tj ET Q q 0 0 0 rg BT 86.36 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.30 322.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 113.31 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.81 322.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 141.64 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.47 322.10 Td (satisfactory.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 304.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 114.18 304.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 123.81 304.10 Td (otection ) Tj ET Q q 0 0 0 rg BT 159.08 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.15 304.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 197.99 304.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 233.84 304.10 Td (Regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.11 304.10 Td () Tj ET Q q 0 0 0 rg BT 291.43 304.10 Td (W) Tj ET Q q 0 0 0 rg BT 300.07 304.10 Td (e ) Tj ET Q q 0 0 0 rg BT 307.57 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 322.84 304.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 354.24 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 365.08 304.10 Td (a ) Tj ET Q q 0 0 0 rg BT 372.58 304.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 403.41 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.81 304.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 445.63 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.13 304.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 514.52 304.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 547.58 304.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 95.78 292.10 Td (that ) Tj ET Q q 0 0 0 rg BT 112.12 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 125.67 292.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 161.45 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.57 292.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 199.68 292.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 243.79 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.57 292.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 292.58 292.10 Td (discrimination ) Tj ET Q q 0 0 0 rg BT 351.69 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.82 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.38 292.10 Td (granting ) Tj ET Q q 0 0 0 rg BT 409.05 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.72 292.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 445.23 292.10 Td (These ) Tj ET Q q 0 0 0 rg BT 470.45 292.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 501.79 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.58 292.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 83.24 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 97.59 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 104.72 280.10 Td (range ) Tj ET Q q 0 0 0 rg BT 129.62 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.64 280.10 Td (sanctions ) Tj ET Q q 0 0 0 rg BT 180.55 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 194.90 280.10 Td (non-compliance ) Tj ET Q q 0 0 0 rg BT 262.01 280.10 Td (with ) Tj ET Q q 0 0 0 rg BT 282.48 280.10 Td (their ) Tj ET Q q 0 0 0 rg BT 303.50 280.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 330.91 280.10 Td (including ) Tj ET Q q 0 0 0 rg BT 371.38 280.10 Td (imposition ) Tj ET Q q 0 0 0 rg BT 416.85 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.87 280.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 487.77 280.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 509.90 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.03 280.10 Td (remedial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (orders, ) Tj ET Q q 0 0 0 rg BT 79.74 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 96.42 268.10 Td (referral ) Tj ET Q q 0 0 0 rg BT 128.08 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.11 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.07 268.10 Td (Attorney ) Tj ET Q q 0 0 0 rg BT 189.87 268.10 Td (General ) Tj ET Q q 0 0 0 rg BT 223.76 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.66 268.10 Td (prosecution ) Tj ET Q q 0 0 0 rg BT 286.56 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.14 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 303.83 268.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 323.85 268.10 Td (action ) Tj ET Q q 0 0 0 rg BT 350.52 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 364.43 268.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 390.55 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.23 268.10 Td (punitive ) Tj ET Q q 0 0 0 rg BT 442.25 268.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 479.48 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.17 268.10 Td (injunctive ) Tj ET Q q 0 0 0 rg BT 538.41 268.10 Td (relief. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 82.72 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.33 256.10 Td (these ) Tj ET Q q 0 0 0 rg BT 118.16 256.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 151.44 256.10 Td (authorize ) Tj ET Q q 0 0 0 rg BT 191.93 256.10 Td (private ) Tj ET Q q 0 0 0 rg BT 222.97 256.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 266.81 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.53 256.10 Td (class ) Tj ET Q q 0 0 0 rg BT 307.25 256.10 Td (action ) Tj ET Q q 0 0 0 rg BT 334.97 256.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 371.03 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.75 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.26 256.10 Td (award ) Tj ET Q q 0 0 0 rg BT 431.97 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.58 256.10 Td (actual, ) Tj ET Q q 0 0 0 rg BT 473.24 256.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 511.52 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.24 256.10 Td (punitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 87.49 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.42 244.10 Td (attorneys) Tj ET Q q 0 0 0 rg BT 143.67 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 146.17 244.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 164.77 244.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.93 244.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 208.63 244.10 Td (types ) Tj ET Q q 0 0 0 rg BT 232.24 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.07 244.10 Td (violations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 226.10 Td (At ) Tj ET Q q 0 0 0 rg BT 82.50 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.22 226.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 127.47 226.10 Td (level, ) Tj ET Q q 0 0 0 rg BT 151.90 226.10 Td (these ) Tj ET Q q 0 0 0 rg BT 174.95 226.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 195.78 226.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 230.21 226.10 Td (among ) Tj ET Q q 0 0 0 rg BT 259.93 226.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 289.37 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.09 226.10 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 208.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 208.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 118.30 208.10 Td (T) Tj ET Q q 0 0 0 rg BT 124.06 208.10 Td (ruth-In-Lending ) Tj ET Q q 0 0 0 rg BT 190.43 208.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 209.87 208.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 252.92 208.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 299.86 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.69 208.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 335.95 208.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 360.67 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.95 208.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 412.32 208.10 Td (borrowers;) 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 (Home ) Tj ET Q q 0 0 0 rg BT 112.82 190.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.07 190.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 198.69 190.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 215.51 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.21 190.10 Td (1975, ) Tj ET Q q 0 0 0 rg BT 251.09 190.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 290.12 190.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 327.48 190.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 374.31 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.46 190.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 417.39 190.10 Td (information ) Tj ET Q q 0 0 0 rg BT 466.98 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.13 190.10 Td (enable ) Tj ET Q q 0 0 0 rg BT 505.60 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.20 190.10 Td (public ) Tj ET Q q 0 0 0 rg BT 547.57 190.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 178.10 Td (public ) Tj ET Q q 0 0 0 rg BT 113.60 178.10 Td (of) Tj ET Q q 0 0 0 rg BT 121.75 178.10 Td (ficials ) Tj ET Q q 0 0 0 rg BT 148.78 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.16 178.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 201.75 178.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 236.56 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 243.60 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 281.18 178.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 324.34 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 333.62 178.10 Td (fulfilling ) Tj ET Q q 0 0 0 rg BT 371.77 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 383.82 178.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 426.98 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.36 178.10 Td (help ) Tj ET Q q 0 0 0 rg BT 457.18 178.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 479.21 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.03 178.10 Td (housing ) Tj ET Q q 0 0 0 rg BT 528.30 178.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 553.68 178.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 166.10 Td (community ) Tj ET Q q 0 0 0 rg BT 148.77 166.10 Td (it ) Tj ET Q q 0 0 0 rg BT 156.83 166.10 Td (serves;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 148.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 148.10 Td (Equal ) Tj ET Q q 0 0 0 rg BT 111.80 148.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 139.27 148.10 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 190.08 148.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 209.49 148.10 Td (prohibiting ) Tj ET Q q 0 0 0 rg BT 256.41 148.10 Td (discrimination ) Tj ET Q q 0 0 0 rg BT 316.65 148.10 Td (on ) Tj ET Q q 0 0 0 rg BT 329.12 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.81 148.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 366.29 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.09 148.10 Td (race, ) Tj ET Q q 0 0 0 rg BT 398.71 148.10 Td (color) Tj ET Q q 0 0 0 rg BT 418.85 148.10 Td (, ) Tj ET Q q 0 0 0 rg BT 423.83 148.10 Td (religion ) Tj ET Q q 0 0 0 rg BT 457.40 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 468.21 148.10 Td (other ) Tj ET Q q 0 0 0 rg BT 491.23 148.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 534.80 148.10 Td (factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.28 136.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 138.21 136.10 Td (credit;) 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 (Fair ) Tj ET Q q 0 0 0 rg BT 103.99 118.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 130.86 118.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 172.32 118.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 188.64 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.85 118.10 Td (1978, ) Tj ET Q q 0 0 0 rg BT 223.23 118.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 265.65 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.75 118.10 Td (use ) Tj ET Q q 0 0 0 rg BT 294.96 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.17 118.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 345.92 118.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 370.56 118.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 400.21 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.53 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.62 118.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 470.28 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.49 118.10 Td (information ) Tj ET Q q 0 0 0 rg BT 529.58 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 539.24 118.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 106.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 125.16 106.10 Td (agencies;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 88.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 88.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 105.82 88.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 128.98 88.10 Td (Collection ) Tj ET Q q 0 0 0 rg BT 174.35 88.10 Td (Practices ) Tj ET Q q 0 0 0 rg BT 213.34 88.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 234.00 88.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 278.26 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.19 88.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 327.89 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 339.39 88.10 Td (which ) Tj ET Q q 0 0 0 rg BT 367.54 88.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 410.14 88.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 434.96 88.10 Td (may ) Tj ET Q q 0 0 0 rg BT 455.89 88.10 Td (be ) Tj ET Q q 0 0 0 rg BT 469.05 88.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 508.85 88.10 Td (by ) Tj ET Q q 0 0 0 rg BT 522.57 88.10 Td (collection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 76.10 Td (agencies;) 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 (Real ) Tj ET Q q 0 0 0 rg BT 106.56 58.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 133.24 58.10 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 178.24 58.10 Td (Procedures ) Tj ET Q q 0 0 0 rg BT 224.42 58.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 243.59 58.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 286.38 58.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 317.51 58.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 339.74 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.42 58.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 399.76 58.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 445.86 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.54 58.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 509.22 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.24 58.10 Td (consumers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 46.10 Td (related ) Tj ET Q q 0 0 0 rg BT 115.70 46.10 Td (thereto;) 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 (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 (Service ) Tj ET Q q 0 0 0 rg BT 118.79 742.10 Td (members ) Tj ET Q q 0 0 0 rg BT 158.24 742.10 Td (Civil ) Tj ET Q q 0 0 0 rg BT 181.05 742.10 Td (Relief ) Tj ET Q q 0 0 0 rg BT 207.66 742.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 224.90 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.03 742.10 Td (2004, ) Tj ET Q q 0 0 0 rg BT 261.33 742.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 304.68 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.70 742.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 364.70 742.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 389.72 742.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 403.35 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.58 742.10 Td (property ) Tj ET Q q 0 0 0 rg BT 457.26 742.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 482.84 742.10 Td (underlying, ) Tj ET Q q 0 0 0 rg BT 531.47 742.10 Td (secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 132.94 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.77 730.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 176.83 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 187.10 730.10 Td (military ) Tj ET Q q 0 0 0 rg BT 221.26 730.10 Td (service; ) Tj ET Q q 0 0 0 rg BT 254.86 730.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 712.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 712.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 110.86 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.38 712.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 173.89 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.30 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.60 712.10 Td (various ) Tj ET Q q 0 0 0 rg BT 230.12 712.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 259.95 712.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 296.45 712.10 Td (char) Tj ET Q q 0 0 0 rg BT 313.48 712.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 330.00 712.10 Td (with ) Tj ET Q q 0 0 0 rg BT 349.86 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.15 712.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 420.68 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.09 712.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 488.71 712.10 Td (these ) Tj ET Q q 0 0 0 rg BT 511.34 712.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 541.18 712.10 Td (laws.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Additional Considerations) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 676.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 118.12 676.10 Td (Enfor) Tj ET Q q 0 0 0 rg BT 140.53 676.10 Td (cement ) Tj ET Q q 0 0 0 rg BT 172.27 676.10 Td (Authority) Tj ET Q q 0 0 0 rg BT 209.49 676.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.99 676.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 253.16 676.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 289.07 676.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 327.18 676.10 Td (have ) Tj ET Q q 0 0 0 rg BT 349.75 676.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 396.21 676.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 449.87 676.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 489.66 676.10 Td (over ) Tj ET Q q 0 0 0 rg BT 511.12 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.03 676.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.91 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.37 664.10 Td (they ) Tj ET Q q 0 0 0 rg BT 134.05 664.10 Td (regulate ) Tj ET Q q 0 0 0 rg BT 168.71 664.10 Td (including, ) Tj ET Q q 0 0 0 rg BT 211.45 664.10 Td (among ) Tj ET Q q 0 0 0 rg BT 241.12 664.10 Td (other ) Tj ET Q q 0 0 0 rg BT 264.13 664.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 293.54 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.22 664.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 336.23 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.47 664.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 373.37 664.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 393.61 664.10 Td (money ) Tj ET Q q 0 0 0 rg BT 423.29 664.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 463.79 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 474.03 664.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 496.49 664.10 Td (cease-and-desist ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.88 652.10 Td (removal ) Tj ET Q q 0 0 0 rg BT 96.20 652.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 123.74 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.73 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.06 652.10 Td (initiate ) Tj ET Q q 0 0 0 rg BT 181.39 652.10 Td (injunctive ) Tj ET Q q 0 0 0 rg BT 223.93 652.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 254.81 652.10 Td (against ) Tj ET Q q 0 0 0 rg BT 285.68 652.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 320.45 652.10 Td (or) Tj ET Q q 0 0 0 rg BT 328.60 652.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 376.70 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.69 652.10 Td (institution-af) Tj ET Q q 0 0 0 rg BT 445.17 652.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 476.04 652.10 Td (parties, ) Tj ET Q q 0 0 0 rg BT 507.75 652.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.63 652.10 Td (defined. ) Tj ET Q q 0 0 0 rg BT 553.67 652.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 84.24 640.10 Td (these ) Tj ET Q q 0 0 0 rg BT 107.09 640.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 159.38 640.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 190.01 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 209.54 640.10 Td (be ) Tj ET Q q 0 0 0 rg BT 221.29 640.10 Td (initiated ) Tj ET Q q 0 0 0 rg BT 256.37 640.10 Td (for ) Tj ET Q q 0 0 0 rg BT 270.35 640.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 312.10 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.74 640.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 343.39 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.14 640.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 406.88 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.63 640.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 452.04 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 462.69 640.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 498.89 640.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 539.23 640.10 Td (Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 80.69 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 91.38 628.10 Td (inactions ) Tj ET Q q 0 0 0 rg BT 129.85 628.10 Td (may ) Tj ET Q q 0 0 0 rg BT 149.43 628.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 182.35 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.93 628.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 219.29 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 233.32 628.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 285.65 628.10 Td (action, ) Tj ET Q q 0 0 0 rg BT 314.95 628.10 Td (including ) Tj ET Q q 0 0 0 rg BT 355.09 628.10 Td (misleading ) Tj ET Q q 0 0 0 rg BT 401.34 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.03 628.10 Td (untimely ) Tj ET Q q 0 0 0 rg BT 449.95 628.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 480.08 628.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 500.77 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 520.91 628.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (authorities. ) Tj ET Q q 0 0 0 rg BT 96.93 616.10 Td (Except ) Tj ET Q q 0 0 0 rg BT 126.92 616.10 Td (under ) Tj ET Q q 0 0 0 rg BT 151.91 616.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 181.33 616.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 242.70 616.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 272.67 616.10 Td (law ) Tj ET Q q 0 0 0 rg BT 289.33 616.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 323.76 616.10 Td (public ) Tj ET Q q 0 0 0 rg BT 350.98 616.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 393.75 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.30 616.10 Td (final ) Tj ET Q q 0 0 0 rg BT 424.84 616.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 477.04 616.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 507.58 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 519.80 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.24 616.10 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.72 604.10 Td (agencies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 586.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 110.64 586.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 172.43 586.10 Td (Guidance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.80 586.10 Td () Tj ET Q q 0 0 0 rg BT 221.12 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 240.67 586.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 272.43 586.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 308.65 586.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 347.08 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 369.96 586.10 Td (released ) Tj ET Q q 0 0 0 rg BT 406.71 586.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 471.25 586.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 511.35 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 525.35 586.10 Td (incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 107.40 574.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 140.36 574.10 Td (focused ) Tj ET Q q 0 0 0 rg BT 173.32 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 185.18 574.10 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 221.47 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 238.33 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 275.16 574.10 Td (institutions) Tj ET Q q 0 0 0 rg BT 322.20 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.06 574.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 362.57 574.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 419.97 574.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 452.93 574.10 Td (do ) Tj ET Q q 0 0 0 rg BT 464.79 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 479.43 574.10 Td (undermine ) Tj ET Q q 0 0 0 rg BT 524.05 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.12 574.10 Td (safety ) 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 66.68 562.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 110.04 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.62 562.10 Td (those ) Tj ET Q q 0 0 0 rg BT 143.97 562.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 190.67 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 202.91 562.10 Td (encouraging ) Tj ET Q q 0 0 0 rg BT 254.58 562.10 Td (excessive ) Tj ET Q q 0 0 0 rg BT 295.14 562.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 312.39 562.10 Td (taking. ) Tj ET Q q 0 0 0 rg BT 341.97 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 359.76 562.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 398.65 562.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 456.44 562.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 494.78 562.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 512.02 562.10 Td (expectations ) 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 66.21 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 105.73 550.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 154.73 550.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 203.71 550.10 Td (their ) Tj ET Q q 0 0 0 rg BT 226.58 550.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 267.77 550.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 327.86 550.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 386.27 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.26 550.10 Td (related ) Tj ET Q q 0 0 0 rg BT 437.01 550.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 456.55 550.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 514.69 550.10 Td (control ) Tj ET Q q 0 0 0 rg BT 547.56 550.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (governance ) Tj ET Q q 0 0 0 rg BT 99.44 538.10 Td (processes. ) Tj ET Q q 0 0 0 rg BT 142.87 538.10 Td (All ) Tj ET Q q 0 0 0 rg BT 159.00 538.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 205.11 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 223.46 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 245.69 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.25 538.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 290.16 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.29 538.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 345.17 538.10 Td (af) Tj ET Q q 0 0 0 rg BT 352.76 538.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 371.10 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.67 538.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 405.02 538.10 Td (profile ) Tj ET Q q 0 0 0 rg BT 435.02 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.70 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 454.49 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 492.83 538.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 539.24 538.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (individually ) Tj ET Q q 0 0 0 rg BT 100.44 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 110.88 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 121.32 526.10 Td (part ) Tj ET Q q 0 0 0 rg BT 138.97 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.41 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.96 526.10 Td (group, ) Tj ET Q q 0 0 0 rg BT 183.90 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 198.22 526.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 231.97 526.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.08 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.41 526.10 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 298.96 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 316.62 526.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 354.82 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 363.60 526.10 Td (based ) Tj ET Q q 0 0 0 rg BT 388.48 526.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 410.58 526.10 Td (three ) Tj ET Q q 0 0 0 rg BT 432.68 526.10 Td (core ) Tj ET Q q 0 0 0 rg BT 452.00 526.10 Td (concepts: ) Tj ET Q q 0 0 0 rg BT 491.87 526.10 Td (\(1\)balanced ) Tj ET Q q 0 0 0 rg BT 543.67 526.10 Td (risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 77.16 514.10 Td (incentives; ) Tj ET Q q 0 0 0 rg BT 122.65 514.10 Td (\(2\)ef) Tj ET Q q 0 0 0 rg BT 144.40 514.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 173.77 514.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 208.16 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.77 514.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 241.94 514.10 Td (management ) Tj ET Q q 0 0 0 rg BT 295.20 514.10 Td (compatibility; ) Tj ET Q q 0 0 0 rg BT 353.47 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.08 514.10 Td (\(3\)strong ) Tj ET Q q 0 0 0 rg BT 411.41 514.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 451.33 514.10 Td (governance. ) Tj ET Q q 0 0 0 rg BT 502.08 514.10 Td (Deficiencies ) Tj ET Q q 0 0 0 rg BT 554.22 514.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 108.90 502.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 147.79 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 166.14 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 181.71 502.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 223.39 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 243.96 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 256.76 502.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 310.65 502.10 Td (into ) Tj ET Q q 0 0 0 rg BT 329.57 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.14 502.10 Td (institution) Tj ET Q q 0 0 0 rg BT 388.48 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 395.73 502.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 445.75 502.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 478.83 502.10 Td (which ) Tj ET Q q 0 0 0 rg BT 506.62 502.10 Td (can ) Tj ET Q q 0 0 0 rg BT 523.86 502.10 Td (af) Tj ET Q q 0 0 0 rg BT 531.45 502.10 Td (fect ) 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 (or) Tj ET Q q 0 0 0 rg BT 58.15 490.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 102.58 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 108.73 490.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 136.55 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.59 490.10 Td (take ) Tj ET Q q 0 0 0 rg BT 165.50 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 194.97 490.10 Td (actions, ) Tj ET Q q 0 0 0 rg BT 228.06 490.10 Td (including ) Tj ET Q q 0 0 0 rg BT 268.09 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.57 490.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 310.38 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.42 490.10 Td (make ) Tj ET Q q 0 0 0 rg BT 344.34 490.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 394.38 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 404.97 490.10 Td (take ) Tj ET Q q 0 0 0 rg BT 423.89 490.10 Td (other ) Tj ET Q q 0 0 0 rg BT 446.70 490.10 Td (actions. ) Tj ET Q q 0 0 0 rg BT 479.78 490.10 Td (Enforcement ) Tj ET Q q 0 0 0 rg BT 533.69 490.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.64 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.50 478.10 Td (institution) Tj ET Q q 0 0 0 rg BT 120.84 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 127.37 478.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 161.67 478.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 192.07 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 226.92 478.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 257.88 478.10 Td (may ) Tj ET Q q 0 0 0 rg BT 277.74 478.10 Td (be ) Tj ET Q q 0 0 0 rg BT 289.82 478.10 Td (initiated ) Tj ET Q q 0 0 0 rg BT 325.23 478.10 Td (if ) Tj ET Q q 0 0 0 rg BT 333.98 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.84 478.10 Td (institution) Tj ET Q q 0 0 0 rg BT 392.18 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 398.71 478.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 438.00 478.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 496.19 478.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 536.60 478.10 Td (pose ) Tj ET Q q 0 0 0 rg BT 557.57 478.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 68.29 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 79.36 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.87 466.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 122.04 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.77 466.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 184.18 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.80 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.31 466.10 Td (or) Tj ET Q q 0 0 0 rg BT 219.46 466.10 Td (ganization. ) Tj ET Q q 0 0 0 rg BT 266.90 466.10 Td (In ) Tj ET Q q 0 0 0 rg BT 278.53 466.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 317.09 466.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 360.38 466.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 404.77 466.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 430.56 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.07 466.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 471.58 466.10 Td (III ) Tj ET Q q 0 0 0 rg BT 484.86 466.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 517.04 466.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 543.11 466.10 Td (limit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 105.37 454.10 Td (bonus ) Tj ET Q q 0 0 0 rg BT 132.42 454.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 173.91 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.85 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.23 454.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 224.12 454.10 Td (s ) Tj ET Q q 0 0 0 rg BT 231.18 454.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 272.65 454.10 Td (of) Tj ET Q q 0 0 0 rg BT 280.80 454.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 306.17 454.10 Td (if ) Tj ET Q q 0 0 0 rg BT 315.44 454.10 Td (its ) Tj ET Q q 0 0 0 rg BT 328.06 454.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 357.87 454.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 383.25 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 398.62 454.10 Td (below ) Tj ET Q q 0 0 0 rg BT 426.23 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.61 454.10 Td (threshold ) Tj ET Q q 0 0 0 rg BT 481.99 454.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 508.48 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.97 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.35 454.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 104.05 442.10 Td (buf) Tj ET Q q 0 0 0 rg BT 117.20 442.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 131.25 442.10 Td (established ) Tj ET Q q 0 0 0 rg BT 178.64 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 191.60 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.77 442.10 Td (rules. ) Tj ET Q q 0 0 0 rg BT 231.45 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 249.95 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 279.56 442.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 333.61 442.10 Td (buf) Tj ET Q q 0 0 0 rg BT 346.76 442.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 360.81 442.10 Td (was ) Tj ET Q q 0 0 0 rg BT 379.32 442.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 410.04 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.78 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.17 442.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 487.23 442.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 510.18 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.91 442.10 Td (January1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 75.38 430.10 Td (when ) Tj ET Q q 0 0 0 rg BT 99.92 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.01 430.10 Td (full ) Tj ET Q q 0 0 0 rg BT 131.77 430.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 161.30 430.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 215.27 430.10 Td (buf) Tj ET Q q 0 0 0 rg BT 228.42 430.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 242.40 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.61 430.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 277.31 430.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 291.85 430.10 Td (apercentage ) Tj ET Q q 0 0 0 rg BT 344.97 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.17 430.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 414.04 430.10 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 443.58 430.10 Td (became ) Tj ET Q q 0 0 0 rg BT 476.98 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 484.57 430.10 Td (fective. ) Tj ET Q q 0 0 0 rg BT 516.94 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 535.37 430.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 103.59 418.10 Td (buf) Tj ET Q q 0 0 0 rg BT 116.74 418.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 130.34 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 139.51 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 149.79 418.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 185.06 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 195.34 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.06 418.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 251.45 418.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 295.05 418.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 324.20 418.10 Td (requirement.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 400.10 Td (Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 138.01 400.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 155.81 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.05 400.10 Td (2002.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.55 400.10 Td () Tj ET Q q 0 0 0 rg BT 197.87 400.10 Td (The ) Tj ET Q q 0 0 0 rg BT 217.89 400.10 Td (Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 285.24 400.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 304.14 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.94 400.10 Td (2002 ) Tj ET Q q 0 0 0 rg BT 341.41 400.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 383.08 400.10 Td (established ) Tj ET Q q 0 0 0 rg BT 431.98 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 440.89 400.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 505.89 400.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 554.22 400.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (modernize ) Tj ET Q q 0 0 0 rg BT 94.83 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.89 388.10 Td (reform ) Tj ET Q q 0 0 0 rg BT 141.73 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.57 388.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 196.42 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.37 388.10 Td (public ) Tj ET Q q 0 0 0 rg BT 235.00 388.10 Td (company ) Tj ET Q q 0 0 0 rg BT 274.28 388.10 Td (auditing, ) Tj ET Q q 0 0 0 rg BT 312.18 388.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 348.13 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.97 388.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 393.37 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.44 388.10 Td (transparency ) Tj ET Q q 0 0 0 rg BT 464.15 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.11 388.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 512.71 388.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 552.00 388.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (those ) Tj ET Q q 0 0 0 rg BT 73.06 376.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 117.77 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.16 376.10 Td (strengthen ) Tj ET Q q 0 0 0 rg BT 177.76 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.92 376.10 Td (independence ) Tj ET Q q 0 0 0 rg BT 248.84 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.12 376.10 Td (auditors. ) Tj ET Q q 0 0 0 rg BT 295.36 376.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 327.30 376.10 Td (other ) Tj ET Q q 0 0 0 rg BT 349.80 376.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 378.70 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.86 376.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 436.47 376.10 Td (\(1\)created ) Tj ET Q q 0 0 0 rg BT 481.44 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.60 376.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 523.11 376.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 98.56 364.10 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 139.91 364.10 Td (Board, ) Tj ET Q q 0 0 0 rg BT 168.75 364.10 Td (which ) Tj ET Q q 0 0 0 rg BT 195.10 364.10 Td (is ) Tj ET Q q 0 0 0 rg BT 203.67 364.10 Td (empowered ) Tj ET Q q 0 0 0 rg BT 252.23 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.91 364.10 Td (set ) Tj ET Q q 0 0 0 rg BT 274.93 364.10 Td (auditing, ) Tj ET Q q 0 0 0 rg BT 312.11 364.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 341.79 364.10 Td (control ) Tj ET Q q 0 0 0 rg BT 372.02 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.36 364.10 Td (ethics ) Tj ET Q q 0 0 0 rg BT 413.60 364.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 455.77 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.46 364.10 Td (inspect ) Tj ET Q q 0 0 0 rg BT 495.69 364.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 537.02 364.10 Td (public ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.83 352.10 Td (firms, ) Tj ET Q q 0 0 0 rg BT 121.39 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.13 352.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 164.74 352.10 Td (investigations ) Tj ET Q q 0 0 0 rg BT 222.24 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.64 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.37 352.10 Td (take ) Tj ET Q q 0 0 0 rg BT 266.98 352.10 Td (disciplinary ) Tj ET Q q 0 0 0 rg BT 316.15 352.10 Td (actions, ) Tj ET Q q 0 0 0 rg BT 348.93 352.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 379.21 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.95 352.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 409.24 352.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 448.41 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.81 352.10 Td (review; ) Tj ET Q q 0 0 0 rg BT 496.75 352.10 Td (\(2\)strengthened ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (auditor ) Tj ET Q q 0 0 0 rg BT 80.69 340.10 Td (independence ) Tj ET Q q 0 0 0 rg BT 138.02 340.10 Td (from ) Tj ET Q q 0 0 0 rg BT 159.82 340.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 199.94 340.10 Td (management ) Tj ET Q q 0 0 0 rg BT 253.39 340.10 Td (by) Tj ET Q q 0 0 0 rg BT 262.74 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 267.60 340.10 Td (among ) Tj ET Q q 0 0 0 rg BT 297.18 340.10 Td (other ) Tj ET Q q 0 0 0 rg BT 320.09 340.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 349.40 340.10 Td (limiting ) Tj ET Q q 0 0 0 rg BT 383.43 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.01 340.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 423.14 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.83 340.10 Td (consulting ) Tj ET Q q 0 0 0 rg BT 477.86 340.10 Td (services ) Tj ET Q q 0 0 0 rg BT 512.43 340.10 Td (that ) Tj ET Q q 0 0 0 rg BT 529.79 340.10 Td (auditors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (can ) Tj ET Q q 0 0 0 rg BT 66.58 328.10 Td (of) Tj ET Q q 0 0 0 rg BT 74.73 328.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 88.52 328.10 Td (their ) Tj ET Q q 0 0 0 rg BT 109.55 328.10 Td (public ) Tj ET Q q 0 0 0 rg BT 137.24 328.10 Td (company ) Tj ET Q q 0 0 0 rg BT 176.60 328.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 199.29 328.10 Td (clients; ) Tj ET Q q 0 0 0 rg BT 230.87 328.10 Td (\(3\)heightened ) Tj ET Q q 0 0 0 rg BT 291.60 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.52 328.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 363.66 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.69 328.10 Td (public ) Tj ET Q q 0 0 0 rg BT 402.39 328.10 Td (company ) Tj ET Q q 0 0 0 rg BT 441.74 328.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 479.42 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.56 328.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 523.70 328.10 Td (managers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.77 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 80.10 316.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 110.98 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.42 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.75 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 175.84 316.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 215.61 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.15 316.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 276.81 316.10 Td (made ) Tj ET Q q 0 0 0 rg BT 301.58 316.10 Td (by ) Tj ET Q q 0 0 0 rg BT 314.69 316.10 Td (their ) Tj ET Q q 0 0 0 rg BT 336.12 316.10 Td (companies; ) Tj ET Q q 0 0 0 rg BT 384.78 316.10 Td (\(4\)adopted ) Tj ET Q q 0 0 0 rg BT 433.70 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 441.25 316.10 Td (number ) Tj ET Q q 0 0 0 rg BT 474.91 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.35 316.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 531.13 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.02 316.10 Td (deter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (wrongdoing ) Tj ET Q q 0 0 0 rg BT 100.89 304.10 Td (by ) Tj ET Q q 0 0 0 rg BT 113.45 304.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 153.76 304.10 Td (management; ) Tj ET Q q 0 0 0 rg BT 210.19 304.10 Td (\(5\)imposed ) Tj ET Q q 0 0 0 rg BT 260.79 304.10 Td (a ) Tj ET Q q 0 0 0 rg BT 267.79 304.10 Td (number ) Tj ET Q q 0 0 0 rg BT 300.89 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.78 304.10 Td (new ) Tj ET Q q 0 0 0 rg BT 331.00 304.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 371.31 304.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 414.42 304.10 Td (requirements; ) Tj ET Q q 0 0 0 rg BT 471.96 304.10 Td (\(6\)adopted ) Tj ET Q q 0 0 0 rg BT 520.33 304.10 Td (provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.43 292.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 115.63 292.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 135.40 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.17 292.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 166.06 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.49 292.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 212.26 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.03 292.10 Td (public ) Tj ET Q q 0 0 0 rg BT 249.02 292.10 Td (view ) Tj ET Q q 0 0 0 rg BT 270.46 292.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 305.23 292.10 Td (conflicts ) Tj ET Q q 0 0 0 rg BT 341.66 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.99 292.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 383.42 292.10 Td (af) Tj ET Q q 0 0 0 rg BT 391.01 292.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 420.77 292.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 460.53 292.10 Td (analysts; ) Tj ET Q q 0 0 0 rg BT 497.52 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.95 292.10 Td (\(7\)imposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.90 280.10 Td (range ) Tj ET Q q 0 0 0 rg BT 81.57 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.36 280.10 Td (new ) Tj ET Q q 0 0 0 rg BT 111.48 280.10 Td (criminal ) Tj ET Q q 0 0 0 rg BT 147.26 280.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 185.26 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 199.38 280.10 Td (fraud ) Tj ET Q q 0 0 0 rg BT 222.94 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.84 280.10 Td (other ) Tj ET Q q 0 0 0 rg BT 262.85 280.10 Td (wrongful ) Tj ET Q q 0 0 0 rg BT 301.97 280.10 Td (acts, ) Tj ET Q q 0 0 0 rg BT 322.48 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 333.27 280.10 Td (well ) Tj ET Q q 0 0 0 rg BT 352.95 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 363.74 280.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 402.29 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.97 280.10 Td (period ) Tj ET Q q 0 0 0 rg BT 444.98 280.10 Td (during ) Tj ET Q q 0 0 0 rg BT 473.55 280.10 Td (which ) Tj ET Q q 0 0 0 rg BT 500.45 280.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 530.11 280.10 Td (types ) Tj ET Q q 0 0 0 rg BT 553.68 280.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 85.19 268.10 Td (can ) Tj ET Q q 0 0 0 rg BT 101.47 268.10 Td (be ) Tj ET Q q 0 0 0 rg BT 113.32 268.10 Td (brought ) Tj ET Q q 0 0 0 rg BT 146.83 268.10 Td (against ) Tj ET Q q 0 0 0 rg BT 177.56 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 184.41 268.10 Td (company ) Tj ET Q q 0 0 0 rg BT 223.47 268.10 Td (or ) Tj ET Q q 0 0 0 rg BT 234.21 268.10 Td (its ) Tj ET Q q 0 0 0 rg BT 246.06 268.10 Td (insiders. ) Tj ET Q q 0 0 0 rg BT 281.91 268.10 Td (The ) Tj ET Q q 0 0 0 rg BT 299.86 268.10 Td (Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 365.60 268.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 382.45 268.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 413.18 268.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 452.79 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 462.98 268.10 Td (all ) Tj ET Q q 0 0 0 rg BT 475.38 268.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 520.55 268.10 Td (that ) Tj ET Q q 0 0 0 rg BT 537.95 268.10 Td (file ) Tj ET Q q 0 0 0 rg BT 553.68 268.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 256.10 Td (required ) Tj ET Q q 0 0 0 rg BT 100.52 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.80 256.10 Td (file ) Tj ET Q q 0 0 0 rg BT 126.63 256.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 161.89 256.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 192.16 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 212.44 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.15 256.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 247.99 256.10 Td (under ) Tj ET Q q 0 0 0 rg BT 273.26 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.98 256.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 329.35 256.10 Td (Act.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 238.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 110.52 238.10 Td (Modernization.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.91 238.10 Td () Tj ET Q q 0 0 0 rg BT 179.23 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 196.41 238.10 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 283.76 238.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 302.33 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 312.30 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.16 238.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 347.43 238.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 366.01 238.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 397.64 238.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 427.03 238.10 Td (af) Tj ET Q q 0 0 0 rg BT 434.62 238.10 Td (filiation ) Tj ET Q q 0 0 0 rg BT 467.92 238.10 Td (among ) Tj ET Q q 0 0 0 rg BT 496.77 238.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 524.24 238.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (firms, ) Tj ET Q q 0 0 0 rg BT 77.17 226.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 119.04 226.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 167.87 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.86 226.10 Td (other ) Tj ET Q q 0 0 0 rg BT 209.97 226.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 256.29 226.10 Td (under ) Tj ET Q q 0 0 0 rg BT 282.62 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.62 226.10 Td (type ) Tj ET Q q 0 0 0 rg BT 311.40 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.29 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 361.83 226.10 Td (services ) Tj ET Q q 0 0 0 rg BT 397.59 226.10 Td (company ) Tj ET Q q 0 0 0 rg BT 437.81 226.10 Td (known ) Tj ET Q q 0 0 0 rg BT 468.59 226.10 Td (as ) Tj ET Q q 0 0 0 rg BT 480.48 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 488.48 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 531.46 226.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (company. ) Tj ET Q q 0 0 0 rg BT 95.96 214.10 Td (A) Tj ET Q q 0 0 0 rg BT 102.63 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.67 214.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 143.69 214.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 177.28 214.10 Td (company ) Tj ET Q q 0 0 0 rg BT 216.98 214.10 Td (essentially ) Tj ET Q q 0 0 0 rg BT 262.23 214.10 Td (is ) Tj ET Q q 0 0 0 rg BT 271.94 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 279.41 214.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 301.89 214.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 335.49 214.10 Td (company ) Tj ET Q q 0 0 0 rg BT 375.18 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.00 214.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 449.03 214.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 490.38 214.10 Td (powers. ) Tj ET Q q 0 0 0 rg BT 524.80 214.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.19 202.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 126.58 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 140.42 202.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 184.26 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 195.89 202.10 Td (statute ) Tj ET Q q 0 0 0 rg BT 223.63 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.04 202.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 262.99 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 272.40 202.10 Td (a ) Tj ET Q q 0 0 0 rg BT 278.47 202.10 Td (number ) Tj ET Q q 0 0 0 rg BT 310.65 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.61 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 357.22 202.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 394.95 202.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 438.80 202.10 Td (impermissible ) Tj ET Q q 0 0 0 rg BT 497.09 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 510.39 202.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.46 202.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 97.95 190.10 Td (including ) Tj ET Q q 0 0 0 rg BT 138.41 190.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 178.85 190.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 235.69 190.10 Td (dealing ) Tj ET Q q 0 0 0 rg BT 267.81 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.94 190.10 Td (market ) Tj ET Q q 0 0 0 rg BT 315.38 190.10 Td (making; ) Tj ET Q q 0 0 0 rg BT 350.84 190.10 Td (sponsoring ) Tj ET Q q 0 0 0 rg BT 397.42 190.10 Td (mutual ) Tj ET Q q 0 0 0 rg BT 427.88 190.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 452.78 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.91 190.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 516.47 190.10 Td (companies; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.99 178.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 145.32 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.43 178.10 Td (agency; ) Tj ET Q q 0 0 0 rg BT 196.20 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.31 178.10 Td (merchant ) Tj ET Q q 0 0 0 rg BT 253.18 178.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 288.07 178.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 329.15 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 347.37 178.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 369.46 178.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 386.57 178.10 Td (also ) Tj ET Q q 0 0 0 rg BT 405.35 178.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 438.02 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.91 178.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 485.57 178.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 520.45 178.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 547.56 178.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.28 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 71.04 166.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 103.77 166.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 154.27 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.35 166.10 Td (authorize ) Tj ET Q q 0 0 0 rg BT 205.86 166.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 249.15 166.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 288.55 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 303.51 166.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 341.80 166.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 375.65 166.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 421.72 166.10 Td (if ) Tj ET Q q 0 0 0 rg BT 431.13 166.10 Td (they ) Tj ET Q q 0 0 0 rg BT 451.65 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 467.16 166.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 509.88 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.96 166.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 553.69 166.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (incidental ) Tj ET Q q 0 0 0 rg BT 101.16 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.79 154.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 149.63 154.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 190.45 154.10 Td (A) Tj ET Q q 0 0 0 rg BT 197.12 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 199.98 154.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 222.27 154.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 255.69 154.10 Td (company ) Tj ET Q q 0 0 0 rg BT 295.20 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 315.27 154.10 Td (become ) Tj ET Q q 0 0 0 rg BT 349.22 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 356.51 154.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 394.35 154.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 427.76 154.10 Td (company ) Tj ET Q q 0 0 0 rg BT 467.27 154.10 Td (if ) Tj ET Q q 0 0 0 rg BT 476.23 154.10 Td (each ) Tj ET Q q 0 0 0 rg BT 497.41 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.59 154.10 Td (its ) Tj ET Q q 0 0 0 rg BT 520.90 154.10 Td (subsidiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.77 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 84.87 142.10 Td (well ) Tj ET Q q 0 0 0 rg BT 104.53 142.10 Td (capitalized, ) Tj ET Q q 0 0 0 rg BT 152.77 142.10 Td (well ) Tj ET Q q 0 0 0 rg BT 172.42 142.10 Td (managed, ) Tj ET Q q 0 0 0 rg BT 213.45 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.33 142.10 Td (has ) Tj ET Q q 0 0 0 rg BT 246.09 142.10 Td (at ) Tj ET Q q 0 0 0 rg BT 255.75 142.10 Td (least ) Tj ET Q q 0 0 0 rg BT 276.51 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 283.38 142.10 Td (satisfactory ) Tj ET Q q 0 0 0 rg BT 340.79 142.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 360.80 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 363.24 142.10 Td (rating. ) Tj ET Q q 0 0 0 rg BT 390.96 142.10 Td (A) Tj ET Q q 0 0 0 rg BT 397.63 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 400.07 142.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 437.48 142.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 470.48 142.10 Td (company ) Tj ET Q q 0 0 0 rg BT 509.57 142.10 Td (must ) Tj ET Q q 0 0 0 rg BT 531.45 142.10 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 76.36 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 86.06 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.20 130.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 132.12 130.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 166.25 130.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 192.61 130.10 Td (within ) Tj ET Q q 0 0 0 rg BT 220.09 130.10 Td (30days ) Tj ET Q q 0 0 0 rg BT 252.85 130.10 Td (after ) Tj ET Q q 0 0 0 rg BT 273.09 130.10 Td (commencing ) Tj ET Q q 0 0 0 rg BT 326.67 130.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 364.69 130.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 408.83 130.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 455.74 130.10 Td (by ) Tj ET Q q 0 0 0 rg BT 467.66 130.10 Td (statute ) Tj ET Q q 0 0 0 rg BT 495.69 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.95 130.10 Td (by ) Tj ET Q q 0 0 0 rg BT 517.87 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.01 130.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 84.65 118.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 111.54 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.43 118.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 178.08 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.85 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.34 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 209.10 118.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 240.98 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.20 118.10 Td (be ) Tj ET Q q 0 0 0 rg BT 263.09 118.10 Td (permissible. ) Tj ET Q q 0 0 0 rg BT 313.96 118.10 Td (W) Tj ET Q q 0 0 0 rg BT 322.60 118.10 Td (e ) Tj ET Q q 0 0 0 rg BT 329.49 118.10 Td (have ) Tj ET Q q 0 0 0 rg BT 350.81 118.10 Td (not ) Tj ET Q q 0 0 0 rg BT 366.04 118.10 Td (submitted ) Tj ET Q q 0 0 0 rg BT 407.93 118.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 434.81 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 445.04 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.70 118.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 492.13 118.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 526.79 118.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 553.67 118.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 75.57 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 86.15 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 98.39 106.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 132.28 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 139.52 106.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 177.30 106.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 210.65 106.10 Td (company) Tj ET Q q 0 0 0 rg BT 246.66 106.10 Td (. ) Tj ET Q q 0 0 0 rg BT 251.96 106.10 Td (However) Tj ET Q q 0 0 0 rg BT 288.21 106.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.51 106.10 Td (we ) Tj ET Q q 0 0 0 rg BT 307.97 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 322.98 106.10 Td (not ) Tj ET Q q 0 0 0 rg BT 338.55 106.10 Td (precluded ) Tj ET Q q 0 0 0 rg BT 380.78 106.10 Td (from ) Tj ET Q q 0 0 0 rg BT 403.01 106.10 Td (submitting ) Tj ET Q q 0 0 0 rg BT 448.60 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 455.83 106.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 483.07 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 493.64 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.66 106.10 Td (future ) Tj ET Q q 0 0 0 rg BT 535.34 106.10 Td (should ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.16 94.10 Td (wish ) Tj ET Q q 0 0 0 rg BT 85.55 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.83 94.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 126.65 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.92 94.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 175.52 94.10 Td (only ) Tj ET Q q 0 0 0 rg BT 195.80 94.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 236.62 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.90 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 284.38 94.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 317.44 94.10 Td (companies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 76.10 Td (Privacy ) Tj ET Q q 0 0 0 rg BT 104.29 76.10 Td (Requir) Tj ET Q q 0 0 0 rg BT 131.14 76.10 Td (ements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.40 76.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 197.09 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.50 76.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 234.99 76.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 255.13 76.10 Td (all ) Tj ET Q q 0 0 0 rg BT 268.32 76.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 306.49 76.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 354.14 76.10 Td (are ) Tj ET Q q 0 0 0 rg BT 369.55 76.10 Td (required ) Tj ET Q q 0 0 0 rg BT 406.06 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.03 76.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 455.22 76.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 489.52 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.16 76.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 554.22 76.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 79.88 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.21 64.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 125.77 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.22 64.10 Td (non-public ) Tj ET Q q 0 0 0 rg BT 181.66 64.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 220.43 64.10 Td (data ) Tj ET Q q 0 0 0 rg BT 239.20 64.10 Td (with ) Tj ET Q q 0 0 0 rg BT 259.10 64.10 Td (non-af) Tj ET Q q 0 0 0 rg BT 285.01 64.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 315.45 64.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 344.22 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.78 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.67 64.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 400.55 64.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 439.33 64.10 Td (data ) Tj ET Q q 0 0 0 rg BT 458.10 64.10 Td (from ) Tj ET Q q 0 0 0 rg BT 479.65 64.10 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 533.97 64.10 Td (access. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.88 52.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 100.71 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.48 52.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 136.14 52.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 164.69 52.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 207.45 52.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 225.44 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.32 52.10 Td (1970, ) Tj ET Q q 0 0 0 rg BT 263.37 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 275.26 52.10 Td (FCRA, ) Tj ET Q q 0 0 0 rg BT 307.43 52.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 344.31 52.10 Td (many ) Tj ET Q q 0 0 0 rg BT 370.08 52.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 415.30 52.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 463.28 52.10 Td (national ) Tj ET Q q 0 0 0 rg BT 499.04 52.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 525.36 52.10 Td (reporting ) 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 (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 91.06 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.79 742.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 142.08 742.10 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 190.63 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 231.70 742.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 275.54 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.16 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.67 742.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 329.57 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.63 742.10 Td (opt ) Tj ET Q q 0 0 0 rg BT 356.70 742.10 Td (out ) Tj ET Q q 0 0 0 rg BT 372.77 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.39 742.10 Td (information-sharing ) Tj ET Q q 0 0 0 rg BT 467.67 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 482.62 742.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 526.45 742.10 Td (purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (among ) Tj ET Q q 0 0 0 rg BT 79.34 730.10 Td (af) Tj ET Q q 0 0 0 rg BT 86.93 730.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 117.38 730.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 164.61 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 182.29 730.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 200.52 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.62 730.10 Td (Accurate ) Tj ET Q q 0 0 0 rg BT 254.83 730.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 281.80 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 287.55 730.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 334.20 730.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 350.76 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.22 730.10 Td (2004amended ) Tj ET Q q 0 0 0 rg BT 421.94 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 451.27 730.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 495.06 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.52 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.86 730.10 Td (FCRA) Tj ET Q q 0 0 0 rg BT 545.43 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.56 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 84.63 718.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 110.38 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.25 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 150.22 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 187.62 718.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 234.50 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.70 718.10 Td (notify ) Tj ET Q q 0 0 0 rg BT 271.01 718.10 Td (their ) Tj ET Q q 0 0 0 rg BT 291.76 718.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 334.73 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 343.26 718.10 Td (they ) Tj ET Q q 0 0 0 rg BT 362.90 718.10 Td (report ) Tj ET Q q 0 0 0 rg BT 389.20 718.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 425.49 718.10 Td (information ) Tj ET Q q 0 0 0 rg BT 475.13 718.10 Td (about ) Tj ET Q q 0 0 0 rg BT 499.77 718.10 Td (them ) Tj ET Q q 0 0 0 rg BT 522.19 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.39 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 539.25 718.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (bureau ) Tj ET Q q 0 0 0 rg BT 80.65 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 92.42 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 101.97 706.10 Td (they ) Tj ET Q q 0 0 0 rg BT 122.63 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.28 706.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 171.71 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 197.92 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 211.36 706.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 237.02 706.10 Td (less ) Tj ET Q q 0 0 0 rg BT 255.46 706.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 296.66 706.10 Td (than ) Tj ET Q q 0 0 0 rg BT 317.31 706.10 Td (those ) Tj ET Q q 0 0 0 rg BT 341.87 706.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 382.51 706.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 424.29 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 443.28 706.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 467.83 706.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 507.37 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 524.14 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 532.02 706.10 Td (privacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 93.04 694.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 120.54 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.82 694.10 Td (place ) Tj ET Q q 0 0 0 rg BT 154.41 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.35 694.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 206.61 694.10 Td (such ) Tj ET Q q 0 0 0 rg BT 227.44 694.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 254.94 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 264.11 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 274.38 694.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 322.97 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 343.25 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.97 694.10 Td (regulations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 676.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.64 676.10 Td (Secr) Tj ET Q q 0 0 0 rg BT 129.04 676.10 Td (ecy ) Tj ET Q q 0 0 0 rg BT 145.18 676.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 161.55 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.60 676.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 212.97 676.10 Td (Anti-Money ) Tj ET Q q 0 0 0 rg BT 263.22 676.10 Td (Laundering ) Tj ET Q q 0 0 0 rg BT 312.93 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.76 676.10 Td (Anti-T) Tj ET Q q 0 0 0 rg BT 355.40 676.10 Td (err) Tj ET Q q 0 0 0 rg BT 367.25 676.10 Td (orist ) Tj ET Q q 0 0 0 rg BT 388.64 676.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 432.79 676.10 Td (Legislation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.29 676.10 Td () Tj ET Q q 0 0 0 rg BT 487.61 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 506.20 676.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 530.36 676.10 Td (Secrecy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 68.75 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 78.90 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.93 664.10 Td (BSA, ) Tj ET Q q 0 0 0 rg BT 116.70 664.10 Td (provides, ) Tj ET Q q 0 0 0 rg BT 155.45 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.05 664.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 184.91 664.10 Td (for ) Tj ET Q q 0 0 0 rg BT 198.39 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.42 664.10 Td (facilitation ) Tj ET Q q 0 0 0 rg BT 257.55 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.69 664.10 Td (information ) Tj ET Q q 0 0 0 rg BT 316.72 664.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 347.98 664.10 Td (among ) Tj ET Q q 0 0 0 rg BT 377.01 664.10 Td (governmental ) Tj ET Q q 0 0 0 rg BT 433.80 664.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 464.50 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.75 664.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.55 664.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.66 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.87 652.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 114.53 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.86 652.10 Td (combating ) Tj ET Q q 0 0 0 rg BT 171.06 652.10 Td (terrorism ) Tj ET Q q 0 0 0 rg BT 210.72 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.15 652.10 Td (money ) Tj ET Q q 0 0 0 rg BT 258.37 652.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 304.13 652.10 Td (by ) Tj ET Q q 0 0 0 rg BT 317.12 652.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 361.21 652.10 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 409.75 652.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 455.51 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.95 652.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 510.93 652.10 Td (transparency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 72.30 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 82.10 640.10 Td (well ) Tj ET Q q 0 0 0 rg BT 100.79 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 110.60 640.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 149.82 640.10 Td (information ) Tj ET Q q 0 0 0 rg BT 198.51 640.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 239.41 640.10 Td (tools ) Tj ET Q q 0 0 0 rg BT 260.33 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.24 640.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 327.68 640.10 Td (mechanics ) Tj ET Q q 0 0 0 rg BT 371.35 640.10 Td (for ) Tj ET Q q 0 0 0 rg BT 384.49 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.18 640.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 417.43 640.10 Td (government, ) Tj ET Q q 0 0 0 rg BT 469.17 640.10 Td (including: ) Tj ET Q q 0 0 0 rg BT 511.19 640.10 Td (\(1\)requiring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 90.01 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 103.90 628.10 Td (verifying ) Tj ET Q q 0 0 0 rg BT 142.80 628.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 181.69 628.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 237.24 628.10 Td (information ) Tj ET Q q 0 0 0 rg BT 286.69 628.10 Td (at ) Tj ET Q q 0 0 0 rg BT 296.15 628.10 Td (account ) Tj ET Q q 0 0 0 rg BT 329.48 628.10 Td (opening; ) Tj ET Q q 0 0 0 rg BT 366.71 628.10 Td (\(2\)rules ) Tj ET Q q 0 0 0 rg BT 402.55 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.56 628.10 Td (promote ) Tj ET Q q 0 0 0 rg BT 448.13 628.10 Td (cooperation ) Tj ET Q q 0 0 0 rg BT 497.57 628.10 Td (among ) Tj ET Q q 0 0 0 rg BT 527.02 628.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 98.97 616.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 143.48 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 159.94 616.10 Td (law ) Tj ET Q q 0 0 0 rg BT 176.40 616.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 228.39 616.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 259.29 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 269.09 616.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 314.99 616.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 343.67 616.10 Td (that ) Tj ET Q q 0 0 0 rg BT 360.68 616.10 Td (may ) Tj ET Q q 0 0 0 rg BT 379.92 616.10 Td (be ) Tj ET Q q 0 0 0 rg BT 391.38 616.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 428.40 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 438.19 616.10 Td (terrorism ) Tj ET Q q 0 0 0 rg BT 476.87 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 487.22 616.10 Td (money ) Tj ET Q q 0 0 0 rg BT 516.46 616.10 Td (laundering; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (\(3\)reports ) Tj ET Q q 0 0 0 rg BT 95.02 604.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 116.44 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 137.31 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.39 604.10 Td (T) Tj ET Q q 0 0 0 rg BT 158.15 604.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 190.67 604.10 Td (Department) Tj ET Q q 0 0 0 rg BT 240.65 604.10 Td (s ) Tj ET Q q 0 0 0 rg BT 247.64 604.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 287.94 604.10 Td (Crimes ) Tj ET Q q 0 0 0 rg BT 319.92 604.10 Td (Enforcement ) Tj ET Q q 0 0 0 rg BT 374.65 604.10 Td (Network ) Tj ET Q q 0 0 0 rg BT 412.74 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.16 604.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 475.01 604.10 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 518.64 604.10 Td ($10,000 ) Tj ET Q q 0 0 0 rg BT 554.23 604.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (currency; ) Tj ET Q q 0 0 0 rg BT 89.33 592.10 Td (\(4\)filing ) Tj ET Q q 0 0 0 rg BT 126.73 592.10 Td (suspicious ) Tj ET Q q 0 0 0 rg BT 169.97 592.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 207.65 592.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 236.99 592.10 Td (by ) Tj ET Q q 0 0 0 rg BT 248.56 592.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 285.12 592.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 331.15 592.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 371.04 592.10 Td (suspected ) Tj ET Q q 0 0 0 rg BT 411.49 592.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 449.72 592.10 Td (money ) Tj ET Q q 0 0 0 rg BT 478.51 592.10 Td (laundering, ) Tj ET Q q 0 0 0 rg BT 525.35 592.10 Td (terrorism ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 93.04 580.10 Td (or ) Tj ET Q q 0 0 0 rg BT 104.14 580.10 Td (other ) Tj ET Q q 0 0 0 rg BT 127.47 580.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 169.68 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 180.79 580.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 201.35 580.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 222.45 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.67 580.10 Td (regulations; ) Tj ET Q q 0 0 0 rg BT 289.65 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.87 580.10 Td (\(5\)requiring ) Tj ET Q q 0 0 0 rg BT 360.46 580.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 400.98 580.10 Td (due ) Tj ET Q q 0 0 0 rg BT 418.20 580.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 457.62 580.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 512.60 580.10 Td (for ) Tj ET Q q 0 0 0 rg BT 527.04 580.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.95 568.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.45 568.10 Td (administer) Tj ET Q q 0 0 0 rg BT 156.26 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 161.26 568.10 Td (maintain, ) Tj ET Q q 0 0 0 rg BT 201.25 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 212.08 568.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 245.67 568.10 Td (private ) Tj ET Q q 0 0 0 rg BT 275.94 568.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 297.88 568.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 335.36 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 346.19 568.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 405.34 568.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 442.82 568.10 Td (for ) Tj ET Q q 0 0 0 rg BT 456.98 568.10 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 495.60 568.10 Td (persons.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 550.10 Td (itle ) Tj ET Q q 0 0 0 rg BT 91.51 550.10 Td (III ) Tj ET Q q 0 0 0 rg BT 104.47 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.78 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.97 550.10 Td (USA) Tj ET Q q 0 0 0 rg BT 150.42 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.40 550.10 Td (P) Tj ET Q q 0 0 0 rg BT 158.04 550.10 Td (A) Tj ET Q q 0 0 0 rg BT 164.16 550.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 193.42 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.73 550.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 213.15 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.46 550.10 Td (2001amended ) Tj ET Q q 0 0 0 rg BT 286.03 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.22 550.10 Td (BSA) Tj ET Q q 0 0 0 rg BT 320.12 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 323.10 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.51 550.10 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 392.91 550.10 Td (anti-terrorist ) Tj ET Q q 0 0 0 rg BT 445.87 550.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 486.61 550.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 531.25 550.10 Td (into ) Tj ET Q q 0 0 0 rg BT 549.79 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 105.41 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.96 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.38 538.10 Td (BSA) Tj ET Q q 0 0 0 rg BT 151.29 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 154.50 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.15 538.10 Td (its ) Tj ET Q q 0 0 0 rg BT 184.81 538.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 243.57 538.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 293.00 538.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 326.22 538.10 Td (other ) Tj ET Q q 0 0 0 rg BT 349.97 538.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 380.13 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.56 538.10 Td (USA) Tj ET Q q 0 0 0 rg BT 415.02 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 418.23 538.10 Td (P) Tj ET Q q 0 0 0 rg BT 422.87 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 428.99 538.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 458.24 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 460.75 538.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 478.40 538.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 513.82 538.10 Td (all ) Tj ET Q q 0 0 0 rg BT 527.02 538.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 98.41 526.10 Td (including ) Tj ET Q q 0 0 0 rg BT 137.63 526.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 150.48 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.71 526.10 Td (institute ) Tj ET Q q 0 0 0 rg BT 193.38 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.27 526.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 245.72 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 251.61 526.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 294.16 526.10 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 341.15 526.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 385.37 526.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 432.91 526.10 Td (program ) Tj ET Q q 0 0 0 rg BT 468.24 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 484.69 526.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 519.47 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.36 526.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 105.15 514.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 143.35 514.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 179.62 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 193.11 514.10 Td (information ) Tj ET Q q 0 0 0 rg BT 242.15 514.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 273.42 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 293.03 514.10 Td (law ) Tj ET Q q 0 0 0 rg BT 309.30 514.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 361.10 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.37 514.10 Td (between ) Tj ET Q q 0 0 0 rg BT 412.51 514.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 441.55 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 478.36 514.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 524.64 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 536.47 514.10 Td (means ) 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 60.60 502.10 Td (an ) Tj ET Q q 0 0 0 rg BT 72.31 502.10 Td (exemption ) Tj ET Q q 0 0 0 rg BT 116.80 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 138.51 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.00 502.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 185.25 502.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 229.19 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.80 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.29 502.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 276.06 502.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 295.27 502.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 333.10 502.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 353.15 502.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 378.75 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.46 502.10 Td (broker) Tj ET Q q 0 0 0 rg BT 421.36 502.10 Td (-dealers ) Tj ET Q q 0 0 0 rg BT 455.28 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 476.99 502.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 527.03 502.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 490.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 101.65 490.10 Td (shell ) Tj ET Q q 0 0 0 rg BT 131.92 490.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 160.25 490.10 Td (establishes ) Tj ET Q q 0 0 0 rg BT 206.07 490.10 Td (due ) Tj ET Q q 0 0 0 rg BT 223.01 490.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 262.16 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.09 490.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 319.35 490.10 Td (due ) Tj ET Q q 0 0 0 rg BT 336.28 490.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 375.43 490.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 430.13 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 444.29 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 474.00 490.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 505.37 490.10 Td (correspondent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 85.74 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.71 478.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 136.12 478.10 Td (private ) Tj ET Q q 0 0 0 rg BT 167.41 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 203.15 478.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 241.67 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.63 478.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 295.94 478.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 339.46 478.10 Td (record ) Tj ET Q q 0 0 0 rg BT 368.52 478.10 Td (keeping ) Tj ET Q q 0 0 0 rg BT 403.70 478.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 459.43 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 474.62 478.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 505.35 478.10 Td (correspondent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 85.47 466.10 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 144.84 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 163.64 466.10 Td (USA) Tj ET Q q 0 0 0 rg BT 183.09 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 186.34 466.10 Td (P) Tj ET Q q 0 0 0 rg BT 190.98 466.10 Td (A) Tj ET Q q 0 0 0 rg BT 197.10 466.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 226.35 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 228.88 466.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 246.57 466.10 Td (also ) Tj ET Q q 0 0 0 rg BT 265.93 466.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 293.62 466.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 319.63 466.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 358.98 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.01 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.48 466.10 Td (Secretary ) Tj ET Q q 0 0 0 rg BT 426.48 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.06 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.29 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 459.04 466.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 491.72 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.75 466.10 Td (take ) Tj ET Q q 0 0 0 rg BT 522.65 466.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 554.23 466.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (combat ) Tj ET Q q 0 0 0 rg BT 82.56 454.10 Td (money ) Tj ET Q q 0 0 0 rg BT 112.91 454.10 Td (laundering, ) Tj ET Q q 0 0 0 rg BT 161.31 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.88 454.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 209.76 454.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 232.33 454.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 275.45 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 290.79 454.10 Td (required ) Tj ET Q q 0 0 0 rg BT 327.23 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.14 454.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 374.59 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.93 454.10 Td (ef) Tj ET Q q 0 0 0 rg BT 397.52 454.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 445.08 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.54 454.10 Td (an ) Tj ET Q q 0 0 0 rg BT 469.11 454.10 Td (applicant ) Tj ET Q q 0 0 0 rg BT 508.89 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 519.80 454.10 Td (combating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (money ) Tj ET Q q 0 0 0 rg BT 79.72 442.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 124.98 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 135.26 442.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 186.08 442.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 220.79 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.06 442.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 265.77 442.10 Td (any ) Tj ET Q q 0 0 0 rg BT 282.71 442.10 Td (application ) Tj ET Q q 0 0 0 rg BT 329.64 442.10 Td (submitted ) Tj ET Q q 0 0 0 rg BT 371.58 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 384.08 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 391.02 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 428.50 442.10 Td (institution.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 424.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.15 424.10 Td (Of) Tj ET Q q 0 0 0 rg BT 98.52 424.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 116.10 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.03 424.10 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 160.17 424.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 188.88 424.10 Td (Control, ) Tj ET Q q 0 0 0 rg BT 224.54 424.10 Td (or ) Tj ET Q q 0 0 0 rg BT 235.47 424.10 Td (OF) Tj ET Q q 0 0 0 rg BT 247.51 424.10 Td (AC, ) Tj ET Q q 0 0 0 rg BT 266.50 424.10 Td (which ) Tj ET Q q 0 0 0 rg BT 293.54 424.10 Td (is ) Tj ET Q q 0 0 0 rg BT 302.81 424.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.85 424.10 Td (division ) Tj ET Q q 0 0 0 rg BT 344.68 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.61 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.23 424.10 Td (T) Tj ET Q q 0 0 0 rg BT 375.99 424.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 408.02 424.10 Td (Department, ) Tj ET Q q 0 0 0 rg BT 460.32 424.10 Td (is ) Tj ET Q q 0 0 0 rg BT 469.59 424.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 517.74 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 532.00 424.10 Td (helping ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.70 412.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 89.73 412.10 Td (that ) Tj ET Q q 0 0 0 rg BT 107.65 412.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 128.36 412.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 160.17 412.10 Td (do ) Tj ET Q q 0 0 0 rg BT 173.09 412.10 Td (not ) Tj ET Q q 0 0 0 rg BT 188.80 412.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 220.04 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 230.75 412.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 281.44 412.10 Td (with ) Tj ET Q q 0 0 0 rg BT 302.14 412.10 Td (enemies ) Tj ET Q q 0 0 0 rg BT 346.71 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.96 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.11 412.10 Td (United ) Tj ET Q q 0 0 0 rg BT 403.25 412.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 432.56 412.10 Td (as ) Tj ET Q q 0 0 0 rg BT 443.82 412.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 476.73 412.10 Td (by ) Tj ET Q q 0 0 0 rg BT 489.66 412.10 Td (various ) Tj ET Q q 0 0 0 rg BT 522.02 412.10 Td (Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (Orders ) Tj ET Q q 0 0 0 rg BT 80.60 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 97.68 400.10 Td (Acts ) Tj ET Q q 0 0 0 rg BT 119.40 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.12 400.10 Td (Congress. ) Tj ET Q q 0 0 0 rg BT 174.23 400.10 Td (OF) Tj ET Q q 0 0 0 rg BT 186.27 400.10 Td (AC ) Tj ET Q q 0 0 0 rg BT 203.55 400.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 245.82 400.10 Td (lists ) Tj ET Q q 0 0 0 rg BT 265.33 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.04 400.10 Td (names ) Tj ET Q q 0 0 0 rg BT 305.98 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.70 400.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 351.64 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.47 400.10 Td (or) Tj ET Q q 0 0 0 rg BT 377.62 400.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 426.55 400.10 Td (suspected ) Tj ET Q q 0 0 0 rg BT 468.81 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.53 400.10 Td (aiding, ) Tj ET Q q 0 0 0 rg BT 511.42 400.10 Td (harboring ) Tj ET Q q 0 0 0 rg BT 553.68 400.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 88.40 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.92 388.10 Td (money ) Tj ET Q q 0 0 0 rg BT 126.88 388.10 Td (laundering, ) Tj ET Q q 0 0 0 rg BT 173.89 388.10 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 207.29 388.10 Td (acts, ) Tj ET Q q 0 0 0 rg BT 227.08 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.27 388.10 Td (other ) Tj ET Q q 0 0 0 rg BT 265.56 388.10 Td (crimes. ) Tj ET Q q 0 0 0 rg BT 296.46 388.10 Td (If ) Tj ET Q q 0 0 0 rg BT 304.86 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.82 388.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 341.68 388.10 Td (finds ) Tj ET Q q 0 0 0 rg BT 363.42 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 369.61 388.10 Td (name ) Tj ET Q q 0 0 0 rg BT 393.01 388.10 Td (on ) Tj ET Q q 0 0 0 rg BT 404.75 388.10 Td (any ) Tj ET Q q 0 0 0 rg BT 420.93 388.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 469.05 388.10 Td (account ) Tj ET Q q 0 0 0 rg BT 501.89 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 511.96 388.10 Td (wire ) Tj ET Q q 0 0 0 rg BT 531.48 388.10 Td (transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.03 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 75.74 376.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.78 376.10 Td (an ) Tj ET Q q 0 0 0 rg BT 99.25 376.10 Td (OF) Tj ET Q q 0 0 0 rg BT 111.29 376.10 Td (AC ) Tj ET Q q 0 0 0 rg BT 127.22 376.10 Td (list, ) Tj ET Q q 0 0 0 rg BT 143.99 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.24 376.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 181.39 376.10 Td (must ) Tj ET Q q 0 0 0 rg BT 202.87 376.10 Td (freeze ) Tj ET Q q 0 0 0 rg BT 229.33 376.10 Td (such ) Tj ET Q q 0 0 0 rg BT 249.69 376.10 Td (account, ) Tj ET Q q 0 0 0 rg BT 285.33 376.10 Td (file ) Tj ET Q q 0 0 0 rg BT 300.69 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 307.16 376.10 Td (suspicious ) Tj ET Q q 0 0 0 rg BT 350.87 376.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 382.90 376.10 Td (report ) Tj ET Q q 0 0 0 rg BT 408.81 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.29 376.10 Td (notify ) Tj ET Q q 0 0 0 rg BT 451.21 376.10 Td (OF) Tj ET Q q 0 0 0 rg BT 463.26 376.10 Td (AC. ) Tj ET Q q 0 0 0 rg BT 481.54 376.10 Td (W) Tj ET Q q 0 0 0 rg BT 490.17 376.10 Td (e ) Tj ET Q q 0 0 0 rg BT 496.65 376.10 Td (have ) Tj ET Q q 0 0 0 rg BT 517.57 376.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 83.60 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.54 364.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 146.91 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.19 364.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 185.79 364.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 234.38 364.10 Td (with ) Tj ET Q q 0 0 0 rg BT 254.65 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.37 364.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 299.62 364.10 Td (anti-laundering ) Tj ET Q q 0 0 0 rg BT 363.21 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 380.15 364.10 Td (combating ) Tj ET Q q 0 0 0 rg BT 424.86 364.10 Td (terrorism ) Tj ET Q q 0 0 0 rg BT 464.02 364.10 Td (provisions.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 346.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 79.63 346.10 Td (oposed ) Tj ET Q q 0 0 0 rg BT 110.88 346.10 Td (Legislation ) Tj ET Q q 0 0 0 rg BT 158.81 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.73 346.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 223.87 346.10 Td (Action.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.48 346.10 Td (New ) Tj ET Q q 0 0 0 rg BT 281.78 346.10 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 317.19 346.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 364.55 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.91 346.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 420.92 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 436.05 346.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 475.07 346.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 514.65 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 532.57 346.10 Td (contain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (wide-ranging ) Tj ET Q q 0 0 0 rg BT 106.31 334.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 144.29 334.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 179.48 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.25 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.46 334.10 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 240.94 334.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 288.36 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.79 334.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 355.99 334.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 410.08 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.40 334.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 459.37 334.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 506.82 334.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 547.57 334.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 74.90 322.10 Td (business ) Tj ET Q q 0 0 0 rg BT 110.91 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.80 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.14 322.10 Td (United ) Tj ET Q q 0 0 0 rg BT 164.47 322.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 192.82 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 201.46 322.10 Td (e ) Tj ET Q q 0 0 0 rg BT 208.02 322.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 236.79 322.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 266.67 322.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 301.00 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 311.45 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 321.34 322.10 Td (what ) Tj ET Q q 0 0 0 rg BT 342.90 322.10 Td (form ) Tj ET Q q 0 0 0 rg BT 364.46 322.10 Td (any ) Tj ET Q q 0 0 0 rg BT 381.01 322.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 419.79 322.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 462.45 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 472.90 322.10 Td (statute ) Tj ET Q q 0 0 0 rg BT 501.12 322.10 Td (will ) Tj ET Q q 0 0 0 rg BT 518.80 322.10 Td (be ) Tj ET Q q 0 0 0 rg BT 530.35 322.10 Td (adopted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 310.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 102.48 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.76 310.10 Td (which ) Tj ET Q q 0 0 0 rg BT 139.70 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 155.53 310.10 Td (business ) Tj ET Q q 0 0 0 rg BT 191.92 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 211.64 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 223.57 310.10 Td (af) Tj ET Q q 0 0 0 rg BT 231.16 310.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 258.09 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 270.59 310.10 Td (any ) Tj ET Q q 0 0 0 rg BT 287.52 310.10 Td (new ) Tj ET Q q 0 0 0 rg BT 306.68 310.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 349.73 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 360.56 310.10 Td (statute.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 292.10 Td (Effect ) Tj ET Q q 0 0 0 rg BT 95.00 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.45 292.10 Td (Governmental ) Tj ET Q q 0 0 0 rg BT 163.33 292.10 Td (Monetary ) Tj ET Q q 0 0 0 rg BT 203.88 292.10 Td (Policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.59 292.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 263.32 292.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 298.87 292.10 Td (will ) Tj ET Q q 0 0 0 rg BT 316.10 292.10 Td (be ) Tj ET Q q 0 0 0 rg BT 327.22 292.10 Td (af) Tj ET Q q 0 0 0 rg BT 334.80 292.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 360.90 292.10 Td (by ) Tj ET Q q 0 0 0 rg BT 372.58 292.10 Td (domestic ) Tj ET Q q 0 0 0 rg BT 410.36 292.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 450.90 292.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 494.24 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.36 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 292.10 Td (monetary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.49 280.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 92.20 280.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 126.35 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.73 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.00 280.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 173.83 280.10 Td (government ) Tj ET Q q 0 0 0 rg BT 224.65 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.14 280.10 Td (its ) Tj ET Q q 0 0 0 rg BT 254.63 280.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 294.39 280.10 Td (The ) Tj ET Q q 0 0 0 rg BT 312.99 280.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 346.02 280.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 381.28 280.10 Td (Board) Tj ET Q q 0 0 0 rg BT 408.50 280.10 Td (s ) Tj ET Q q 0 0 0 rg BT 415.44 280.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 456.25 280.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 490.41 280.10 Td (have ) Tj ET Q q 0 0 0 rg BT 512.34 280.10 Td (had, ) Tj ET Q q 0 0 0 rg BT 532.33 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.81 280.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 76.00 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.00 268.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 124.67 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.67 268.10 Td (have, ) Tj ET Q q 0 0 0 rg BT 160.27 268.10 Td (an ) Tj ET Q q 0 0 0 rg BT 172.94 268.10 Td (important ) Tj ET Q q 0 0 0 rg BT 215.05 268.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 245.49 268.10 Td (on ) Tj ET Q q 0 0 0 rg BT 258.71 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.16 268.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 315.15 268.10 Td (results ) Tj ET Q q 0 0 0 rg BT 344.48 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.04 268.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 406.46 268.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 433.02 268.10 Td (through ) Tj ET Q q 0 0 0 rg BT 467.35 268.10 Td (its ) Tj ET Q q 0 0 0 rg BT 480.03 268.10 Td (power ) Tj ET Q q 0 0 0 rg BT 508.24 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.25 268.10 Td (implement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (national ) Tj ET Q q 0 0 0 rg BT 83.97 256.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 123.49 256.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 150.25 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.79 256.10 Td (order) Tj ET Q q 0 0 0 rg BT 180.48 256.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.74 256.10 Td (among ) Tj ET Q q 0 0 0 rg BT 213.72 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 236.03 256.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 264.73 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.27 256.10 Td (curb ) Tj ET Q q 0 0 0 rg BT 293.80 256.10 Td (inflation ) Tj ET Q q 0 0 0 rg BT 329.44 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 339.53 256.10 Td (combat ) Tj ET Q q 0 0 0 rg BT 370.72 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 376.92 256.10 Td (recession. ) Tj ET Q q 0 0 0 rg BT 418.26 256.10 Td (The ) Tj ET Q q 0 0 0 rg BT 435.56 256.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 475.09 256.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 507.95 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.04 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.02 256.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 84.54 244.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 111.30 244.10 Td (af) Tj ET Q q 0 0 0 rg BT 118.89 244.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 136.21 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.75 244.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 176.41 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.07 244.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 208.83 244.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 234.77 244.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 284.87 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 301.64 244.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 336.75 244.10 Td (through ) Tj ET Q q 0 0 0 rg BT 370.19 244.10 Td (its ) Tj ET Q q 0 0 0 rg BT 381.96 244.10 Td (control ) Tj ET Q q 0 0 0 rg BT 412.62 244.10 Td (over ) Tj ET Q q 0 0 0 rg BT 432.71 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.26 244.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 483.47 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 494.13 244.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 514.24 244.10 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 93.33 232.10 Td (its ) Tj ET Q q 0 0 0 rg BT 105.85 232.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 149.46 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.86 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.14 232.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 213.09 232.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 231.15 232.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 275.30 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.15 232.10 Td (member ) Tj ET Q q 0 0 0 rg BT 321.98 232.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 348.38 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.89 232.10 Td (its ) Tj ET Q q 0 0 0 rg BT 378.40 232.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 418.67 232.10 Td (over ) Tj ET Q q 0 0 0 rg BT 439.51 232.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 471.44 232.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 526.71 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 537.56 232.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (member ) Tj ET Q q 0 0 0 rg BT 85.26 220.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 111.09 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 125.80 220.10 Td (subject. ) Tj ET Q q 0 0 0 rg BT 158.95 220.10 Td (W) Tj ET Q q 0 0 0 rg BT 167.58 220.10 Td (e ) Tj ET Q q 0 0 0 rg BT 174.52 220.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 203.68 220.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 233.94 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.66 220.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 276.14 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 286.97 220.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 316.68 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.51 220.10 Td (future ) Tj ET Q q 0 0 0 rg BT 353.89 220.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 388.60 220.10 Td (in ) Tj ET Q q 0 0 0 rg BT 398.88 220.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 439.14 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.08 220.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 480.23 220.10 Td (policies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.75 202.10 Td (axation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 85.08 184.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.83 184.10 Td (axation) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 166.10 Td (General:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.10 166.10 Td () Tj ET Q q 0 0 0 rg BT 113.42 166.10 Td (W) Tj ET Q q 0 0 0 rg BT 122.06 166.10 Td (e ) Tj ET Q q 0 0 0 rg BT 127.97 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 141.66 166.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 171.46 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.71 166.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 209.94 166.10 Td (income ) Tj ET Q q 0 0 0 rg BT 240.85 166.10 Td (taxation ) Tj ET Q q 0 0 0 rg BT 274.54 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 283.80 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.49 166.10 Td (same ) Tj ET Q q 0 0 0 rg BT 319.52 166.10 Td (general ) Tj ET Q q 0 0 0 rg BT 350.42 166.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 381.88 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 391.69 166.10 Td (other ) Tj ET Q q 0 0 0 rg BT 413.71 166.10 Td (corporations, ) Tj ET Q q 0 0 0 rg BT 467.67 166.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.93 166.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 516.74 166.10 Td (exceptions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.74 154.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.81 154.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 152.67 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.19 154.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 193.14 154.10 Td (taxation ) Tj ET Q q 0 0 0 rg BT 227.54 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 236.40 154.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 273.02 154.10 Td (only ) Tj ET Q q 0 0 0 rg BT 292.99 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.96 154.10 Td (summarize ) Tj ET Q q 0 0 0 rg BT 349.02 154.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 378.41 154.10 Td (pertinent ) Tj ET Q q 0 0 0 rg BT 416.15 154.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 446.09 154.10 Td (income ) Tj ET Q q 0 0 0 rg BT 477.71 154.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 492.12 154.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 523.74 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.37 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 549.23 154.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 142.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 119.97 142.10 Td (description ) Tj ET Q q 0 0 0 rg BT 166.90 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.73 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.45 142.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 207.17 142.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 229.11 142.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 272.70 142.10 Td (tous.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 124.10 Td (On ) Tj ET Q q 0 0 0 rg BT 84.23 124.10 Td (December22, ) Tj ET Q q 0 0 0 rg BT 142.32 124.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 164.33 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.41 124.10 Td (T) Tj ET Q q 0 0 0 rg BT 183.82 124.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 195.27 124.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 215.62 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.06 124.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 251.41 124.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 267.86 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.20 124.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 300.20 124.10 Td (was ) Tj ET Q q 0 0 0 rg BT 317.76 124.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 345.88 124.10 Td (into ) Tj ET Q q 0 0 0 rg BT 363.45 124.10 Td (law) Tj ET Q q 0 0 0 rg BT 377.23 124.10 Td (. ) Tj ET Q q 0 0 0 rg BT 381.30 124.10 Td (As ) Tj ET Q q 0 0 0 rg BT 394.42 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 400.87 124.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 427.59 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.82 124.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 481.58 124.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.81 124.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 512.80 124.10 Td (was ) Tj ET Q q 0 0 0 rg BT 530.36 124.10 Td (reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.24 112.10 Td (35% ) Tj ET Q q 0 0 0 rg BT 93.37 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.94 112.10 Td (21%. ) Tj ET Q q 0 0 0 rg BT 127.57 112.10 Td (Companies ) Tj ET Q q 0 0 0 rg BT 175.37 112.10 Td (are ) Tj ET Q q 0 0 0 rg BT 190.38 112.10 Td (required ) Tj ET Q q 0 0 0 rg BT 226.49 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.07 112.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 278.73 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.75 112.10 Td (ef) Tj ET Q q 0 0 0 rg BT 301.33 112.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 319.12 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.25 112.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 345.26 112.10 Td (law ) Tj ET Q q 0 0 0 rg BT 362.50 112.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 397.51 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 408.08 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.10 112.10 Td (period ) Tj ET Q q 0 0 0 rg BT 451.45 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.58 112.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 506.46 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.04 112.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.73 100.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 95.84 100.10 Td (. ) Tj ET Q q 0 0 0 rg BT 99.86 100.10 Td (As ) Tj ET Q q 0 0 0 rg BT 112.92 100.10 Td (result ) Tj ET Q q 0 0 0 rg BT 137.09 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.36 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.53 100.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 175.69 100.10 Td (law ) Tj ET Q q 0 0 0 rg BT 192.08 100.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 226.23 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.40 100.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 281.23 100.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 327.04 100.10 Td (a ) Tj ET Q q 0 0 0 rg BT 333.42 100.10 Td (write-down ) Tj ET Q q 0 0 0 rg BT 381.47 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.75 100.10 Td (its ) Tj ET Q q 0 0 0 rg BT 403.14 100.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 438.40 100.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 452.56 100.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 473.95 100.10 Td (position ) Tj ET Q q 0 0 0 rg BT 508.12 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.85 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.01 100.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 88.10 Td ($3.3million ) Tj ET Q q 0 0 0 rg BT 112.22 88.10 Td (for ) Tj ET Q q 0 0 0 rg BT 126.38 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.10 88.10 Td (year ) Tj ET Q q 0 0 0 rg BT 160.81 88.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 187.18 88.10 Td (December ) Tj ET Q q 0 0 0 rg BT 230.77 88.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 245.77 88.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 70.10 Td (Method ) Tj ET Q q 0 0 0 rg BT 102.50 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.91 70.10 Td (Accounting:For ) Tj ET Q q 0 0 0 rg BT 184.12 70.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 215.49 70.10 Td (income ) Tj ET Q q 0 0 0 rg BT 246.31 70.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 259.91 70.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 299.35 70.10 Td (we ) Tj ET Q q 0 0 0 rg BT 312.40 70.10 Td (report ) Tj ET Q q 0 0 0 rg BT 337.66 70.10 Td (income ) Tj ET Q q 0 0 0 rg BT 368.48 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.31 70.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 421.79 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 433.18 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.78 70.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 477.03 70.10 Td (method ) Tj ET Q q 0 0 0 rg BT 508.41 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.13 70.10 Td (accounting ) 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 66.94 58.10 Td (use ) Tj ET Q q 0 0 0 rg BT 82.77 58.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 97.49 58.10 Td (year ) Tj ET Q q 0 0 0 rg BT 117.19 58.10 Td (ending ) Tj ET Q q 0 0 0 rg BT 146.91 58.10 Td (December31 ) Tj ET Q q 0 0 0 rg BT 202.99 58.10 Td (for ) Tj ET Q q 0 0 0 rg BT 217.15 58.10 Td (filing ) Tj ET Q q 0 0 0 rg BT 241.32 58.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 271.57 58.10 Td (income ) Tj ET Q q 0 0 0 rg BT 303.51 58.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 318.22 58.10 Td (returns.) 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 (17) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Alternative ) Tj ET Q q 0 0 0 rg BT 116.55 742.10 Td (Minimum ) Tj ET Q q 0 0 0 rg BT 157.01 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 161.65 742.10 Td (ax:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.42 742.10 Td () Tj ET Q q 0 0 0 rg BT 181.74 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 199.41 742.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 232.63 742.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 269.74 742.10 Td (Code ) Tj ET Q q 0 0 0 rg BT 292.97 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.42 742.10 Td (1986, ) Tj ET Q q 0 0 0 rg BT 328.05 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 338.50 742.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 376.72 742.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 394.39 742.10 Td (Code\), ) Tj ET Q q 0 0 0 rg BT 432.33 742.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 467.23 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 478.79 742.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 523.12 742.10 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.57 730.10 Td (\(AMT\) ) Tj ET Q q 0 0 0 rg BT 104.69 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 114.26 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 121.05 730.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 138.40 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.08 730.10 Td (20.0% ) Tj ET Q q 0 0 0 rg BT 177.27 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 189.62 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.42 730.10 Td (base ) Tj ET Q q 0 0 0 rg BT 216.54 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.23 730.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 257.90 730.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 289.13 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 320.92 730.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 339.94 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 369.50 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 384.07 730.10 Td (preferences ) Tj ET Q q 0 0 0 rg BT 432.50 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 459.30 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 473.32 730.10 Td (refer ) Tj ET Q q 0 0 0 rg BT 494.54 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.67 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 515.36 730.10 Td (alternative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 90.41 718.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 120.79 718.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 158.57 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 175.29 718.10 Td (AMT) Tj ET Q q 0 0 0 rg BT 197.33 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 198.85 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 207.03 718.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 239.64 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.93 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.66 718.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 288.61 718.10 Td (such ) Tj ET Q q 0 0 0 rg BT 308.45 718.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 352.16 718.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 392.57 718.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 422.96 718.10 Td (income ) Tj ET Q q 0 0 0 rg BT 453.90 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 462.09 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 471.38 718.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 498.99 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.83 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 519.79 718.10 Td (exemption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.09 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 98.62 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.47 706.10 Td (AMT) Tj ET Q q 0 0 0 rg BT 134.51 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.60 706.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 170.34 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.65 706.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 215.06 706.10 Td (income ) Tj ET Q q 0 0 0 rg BT 246.59 706.10 Td (tax. ) Tj ET Q q 0 0 0 rg BT 263.40 706.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 279.93 706.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 319.79 706.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 345.78 706.10 Td (can ) Tj ET Q q 0 0 0 rg BT 361.75 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 369.90 706.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 386.43 706.10 Td (no ) Tj ET Q q 0 0 0 rg BT 398.52 706.10 Td (more ) Tj ET Q q 0 0 0 rg BT 421.16 706.10 Td (than ) Tj ET Q q 0 0 0 rg BT 440.47 706.10 Td (90.0% ) Tj ET Q q 0 0 0 rg BT 468.40 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.82 706.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 523.11 706.10 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 81.76 694.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 116.58 694.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 148.26 694.10 Td (AMT) Tj ET Q q 0 0 0 rg BT 170.30 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.19 694.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 214.40 694.10 Td (may ) Tj ET Q q 0 0 0 rg BT 234.50 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 246.82 694.10 Td (used ) Tj ET Q q 0 0 0 rg BT 268.04 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 279.26 694.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 308.80 694.10 Td (against ) Tj ET Q q 0 0 0 rg BT 340.01 694.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 371.21 694.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 386.31 694.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 426.41 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.08 694.10 Td (futureyears. ) Tj ET Q q 0 0 0 rg BT 489.73 694.10 Td (W) Tj ET Q q 0 0 0 rg BT 498.37 694.10 Td (e ) Tj ET Q q 0 0 0 rg BT 505.69 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 527.46 694.10 Td (not ) Tj ET Q q 0 0 0 rg BT 543.12 694.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 80.83 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.10 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.27 682.10 Td (AMT) Tj ET Q q 0 0 0 rg BT 127.31 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.81 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.75 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 168.13 682.10 Td (no ) Tj ET Q q 0 0 0 rg BT 180.63 682.10 Td (such ) Tj ET Q q 0 0 0 rg BT 201.46 682.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 237.84 682.10 Td (available ) Tj ET Q q 0 0 0 rg BT 276.43 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 287.26 682.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 316.42 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 330.58 682.10 Td (carryover) Tj ET Q q 0 0 0 rg BT 368.33 682.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 664.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 86.31 664.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 129.85 664.10 Td (Loss ) Tj ET Q q 0 0 0 rg BT 150.62 664.10 Td (Carryovers:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.50 664.10 Td (For ) Tj ET Q q 0 0 0 rg BT 223.32 664.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 261.56 664.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 287.86 664.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 310.29 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.15 664.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 349.01 664.10 Td (a ) Tj ET Q q 0 0 0 rg BT 355.88 664.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 404.40 664.10 Td (may ) Tj ET Q q 0 0 0 rg BT 424.04 664.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 447.00 664.10 Td (back ) Tj ET Q q 0 0 0 rg BT 468.31 664.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 509.59 664.10 Td (net ) Tj ET Q q 0 0 0 rg BT 524.24 664.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 77.39 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.67 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.39 652.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 147.31 652.10 Td (two ) Tj ET Q q 0 0 0 rg BT 165.81 652.10 Td (taxableyears ) Tj ET Q q 0 0 0 rg BT 221.78 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.72 652.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 274.87 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.15 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.87 652.10 Td (succeeding ) Tj ET Q q 0 0 0 rg BT 349.79 652.10 Td (20 ) Tj ET Q q 0 0 0 rg BT 363.29 652.10 Td (taxableyears. ) Tj ET Q q 0 0 0 rg BT 421.76 652.10 Td (For ) Tj ET Q q 0 0 0 rg BT 439.15 652.10 Td (net ) Tj ET Q q 0 0 0 rg BT 454.87 652.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 496.13 652.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 523.52 652.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 554.24 652.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (taxyears ) Tj ET Q q 0 0 0 rg BT 87.53 640.10 Td (after ) Tj ET Q q 0 0 0 rg BT 107.56 640.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 131.78 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 137.93 640.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 185.74 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 204.68 640.10 Td (not ) Tj ET Q q 0 0 0 rg BT 219.17 640.10 Td (carryback ) Tj ET Q q 0 0 0 rg BT 260.30 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.24 640.10 Td (net ) Tj ET Q q 0 0 0 rg BT 288.17 640.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 327.65 640.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 344.93 640.10 Td (but ) Tj ET Q q 0 0 0 rg BT 359.42 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 378.35 640.10 Td (carryforward ) Tj ET Q q 0 0 0 rg BT 432.26 640.10 Td (such ) Tj ET Q q 0 0 0 rg BT 452.30 640.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 477.91 640.10 Td (indefinitely) Tj ET Q q 0 0 0 rg BT 523.36 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 527.58 640.10 Td (however ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.59 628.10 Td (net ) Tj ET Q q 0 0 0 rg BT 79.18 628.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 119.32 628.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 137.26 628.10 Td (deduction ) Tj ET Q q 0 0 0 rg BT 179.07 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.22 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.04 628.10 Td (given ) Tj ET Q q 0 0 0 rg BT 220.63 628.10 Td (year ) Tj ET Q q 0 0 0 rg BT 240.21 628.10 Td (is ) Tj ET Q q 0 0 0 rg BT 249.26 628.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 279.96 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.12 628.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 310.82 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.53 628.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 352.78 628.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 386.56 628.10 Td (At ) Tj ET Q q 0 0 0 rg BT 398.94 628.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 457.40 628.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 482.27 628.10 Td (we ) Tj ET Q q 0 0 0 rg BT 496.31 628.10 Td (had ) Tj ET Q q 0 0 0 rg BT 513.12 628.10 Td ($2.5million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.20 616.10 Td (net ) Tj ET Q q 0 0 0 rg BT 76.28 616.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 116.91 616.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 135.33 616.10 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 194.28 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 208.80 616.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 239.42 616.10 Td (income ) Tj ET Q q 0 0 0 rg BT 271.72 616.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 286.80 616.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 327.51 616.10 Td (The ) Tj ET Q q 0 0 0 rg BT 345.92 616.10 Td (carryovers ) Tj ET Q q 0 0 0 rg BT 390.99 616.10 Td (were ) Tj ET Q q 0 0 0 rg BT 413.28 616.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 459.45 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.10 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.18 616.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 526.93 616.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 549.79 616.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 604.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 80.63 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 100.73 604.10 Td (The ) Tj ET Q q 0 0 0 rg BT 118.60 604.10 Td (W) Tj ET Q q 0 0 0 rg BT 127.64 604.10 Td (ilton ) Tj ET Q q 0 0 0 rg BT 148.47 604.10 Td (Bank.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 586.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 113.64 586.10 Td (Dividends-Received ) Tj ET Q q 0 0 0 rg BT 195.57 586.10 Td (Deduction:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.56 586.10 Td () Tj ET Q q 0 0 0 rg BT 247.88 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 265.40 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 306.26 586.10 Td (may ) Tj ET Q q 0 0 0 rg BT 325.45 586.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 358.52 586.10 Td (from ) Tj ET Q q 0 0 0 rg BT 379.93 586.10 Td (its ) Tj ET Q q 0 0 0 rg BT 391.35 586.10 Td (income ) Tj ET Q q 0 0 0 rg BT 422.76 586.10 Td (100.0% ) Tj ET Q q 0 0 0 rg BT 455.57 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.87 586.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 506.73 586.10 Td (received ) Tj ET Q q 0 0 0 rg BT 542.57 586.10 Td (from ) 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 64.93 574.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 88.75 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 99.79 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.94 574.10 Td (member ) Tj ET Q q 0 0 0 rg BT 142.41 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.46 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.38 574.10 Td (same ) Tj ET Q q 0 0 0 rg BT 191.64 574.10 Td (af) Tj ET Q q 0 0 0 rg BT 199.23 574.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 230.26 574.10 Td (group ) Tj ET Q q 0 0 0 rg BT 256.30 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.35 574.10 Td (corporations. ) Tj ET Q q 0 0 0 rg BT 322.35 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 340.60 574.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 381.07 574.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 422.67 574.10 Td (received ) Tj ET Q q 0 0 0 rg BT 459.24 574.10 Td (deduction ) Tj ET Q q 0 0 0 rg BT 501.39 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 510.77 574.10 Td (80.0% ) Tj ET Q q 0 0 0 rg BT 539.31 574.10 Td (in ) 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 (case ) Tj ET Q q 0 0 0 rg BT 71.23 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.59 562.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 126.50 562.10 Td (received ) Tj ET Q q 0 0 0 rg BT 164.39 562.10 Td (from ) Tj ET Q q 0 0 0 rg BT 187.85 562.10 Td (corporations ) Tj ET Q q 0 0 0 rg BT 241.86 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 263.67 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 292.13 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.59 562.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 342.37 562.10 Td (recipient ) Tj ET Q q 0 0 0 rg BT 381.38 562.10 Td (does ) Tj ET Q q 0 0 0 rg BT 403.73 562.10 Td (not ) Tj ET Q q 0 0 0 rg BT 420.54 562.10 Td (file ) Tj ET Q q 0 0 0 rg BT 437.89 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 446.35 562.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 500.92 562.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 517.16 562.10 Td (return, ) Tj ET Q q 0 0 0 rg BT 547.56 562.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (corporations ) Tj ET Q q 0 0 0 rg BT 102.06 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 128.58 550.10 Td (own ) Tj ET Q q 0 0 0 rg BT 147.88 550.10 Td (less ) Tj ET Q q 0 0 0 rg BT 164.96 550.10 Td (than ) Tj ET Q q 0 0 0 rg BT 184.25 550.10 Td (20.0% ) Tj ET Q q 0 0 0 rg BT 212.16 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.57 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.86 550.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 260.05 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.45 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.97 550.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 325.14 550.10 Td (distributing ) Tj ET Q q 0 0 0 rg BT 373.33 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.85 550.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 416.92 550.10 Td (may ) Tj ET Q q 0 0 0 rg BT 436.22 550.10 Td (deduct ) Tj ET Q q 0 0 0 rg BT 464.95 550.10 Td (only ) Tj ET Q q 0 0 0 rg BT 484.80 550.10 Td (70.0% ) Tj ET Q q 0 0 0 rg BT 512.71 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.12 550.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (received ) Tj ET Q q 0 0 0 rg BT 86.36 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.19 538.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 130.78 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 143.28 538.10 Td (their ) Tj ET Q q 0 0 0 rg BT 164.10 538.10 Td (behalf.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 520.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 520.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.43 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.37 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.09 520.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 184.70 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 199.40 520.10 Td (not ) Tj ET Q q 0 0 0 rg BT 214.68 520.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 253.28 520.10 Td (under ) Tj ET Q q 0 0 0 rg BT 278.54 520.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 301.04 520.10 Td (with ) Tj ET Q q 0 0 0 rg BT 321.32 520.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 352.13 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 362.41 520.10 Td (their ) Tj ET Q q 0 0 0 rg BT 383.24 520.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 413.49 520.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 428.21 520.10 Td (returns.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (State ) Tj ET Q q 0 0 0 rg BT 73.98 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 79.73 502.10 Td (axation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 484.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 484.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.30 484.10 Td (are ) Tj ET Q q 0 0 0 rg BT 99.73 484.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 130.29 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.29 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.73 484.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 205.28 484.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 253.60 484.10 Td (business ) Tj ET Q q 0 0 0 rg BT 289.71 484.10 Td (tax. ) Tj ET Q q 0 0 0 rg BT 306.50 484.10 Td (The ) Tj ET Q q 0 0 0 rg BT 324.27 484.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 374.81 484.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 423.13 484.10 Td (business ) Tj ET Q q 0 0 0 rg BT 459.25 484.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 473.69 484.10 Td (is ) Tj ET Q q 0 0 0 rg BT 482.59 484.10 Td (based ) Tj ET Q q 0 0 0 rg BT 507.58 484.10 Td (on ) Tj ET Q q 0 0 0 rg BT 519.81 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.25 484.10 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 82.01 472.10 Td (income ) Tj ET Q q 0 0 0 rg BT 114.58 472.10 Td (before ) Tj ET Q q 0 0 0 rg BT 143.25 472.10 Td (net ) Tj ET Q q 0 0 0 rg BT 158.60 472.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 199.50 472.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 218.19 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.77 472.10 Td (special ) Tj ET Q q 0 0 0 rg BT 266.67 472.10 Td (deductions ) Tj ET Q q 0 0 0 rg BT 313.13 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.70 472.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 359.38 472.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 389.72 472.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 447.84 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.75 472.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 489.64 472.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 521.65 472.10 Td (income ) Tj ET Q q 0 0 0 rg BT 554.22 472.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (arrive ) Tj ET Q q 0 0 0 rg BT 76.48 460.10 Td (at ) Tj ET Q q 0 0 0 rg BT 86.86 460.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 138.34 460.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 170.37 460.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 205.47 460.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 256.95 460.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 288.98 460.10 Td (income ) Tj ET Q q 0 0 0 rg BT 321.58 460.10 Td (is ) Tj ET Q q 0 0 0 rg BT 331.41 460.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 375.68 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 388.84 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.22 460.10 Td (state ) Tj ET Q q 0 0 0 rg BT 425.71 460.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 441.08 460.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 459.23 460.10 Td (\(7.5% ) Tj ET Q q 0 0 0 rg BT 486.55 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 501.37 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.75 460.10 Td (fiscalyears ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (ending ) Tj ET Q q 0 0 0 rg BT 79.71 448.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 138.28 448.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 160.78 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.71 448.10 Td (2017\) ) Tj ET Q q 0 0 0 rg BT 203.53 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.80 448.10 Td (arrive ) Tj ET Q q 0 0 0 rg BT 239.60 448.10 Td (at ) Tj ET Q q 0 0 0 rg BT 249.31 448.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 300.13 448.10 Td (income ) Tj ET Q q 0 0 0 rg BT 332.05 448.10 Td (tax. ) Tj ET Q q 0 0 0 rg BT 349.08 448.10 Td (W) Tj ET Q q 0 0 0 rg BT 357.72 448.10 Td (e ) Tj ET Q q 0 0 0 rg BT 364.65 448.10 Td (are ) Tj ET Q q 0 0 0 rg BT 379.35 448.10 Td (also ) Tj ET Q q 0 0 0 rg BT 397.95 448.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 428.76 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.03 448.10 Td (state ) Tj ET Q q 0 0 0 rg BT 459.85 448.10 Td (income ) Tj ET Q q 0 0 0 rg BT 491.77 448.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 506.48 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.75 448.10 Td (other ) Tj ET Q q 0 0 0 rg BT 539.79 448.10 Td (states ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.77 436.10 Td (result ) Tj ET Q q 0 0 0 rg BT 92.49 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.32 436.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 123.03 436.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 173.31 436.10 Td (made ) Tj ET Q q 0 0 0 rg BT 197.46 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.74 436.10 Td (other ) Tj ET Q q 0 0 0 rg BT 230.79 436.10 Td (states.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 418.10 Td (In ) Tj ET Q q 0 0 0 rg BT 82.00 418.10 Td (October) Tj ET Q q 0 0 0 rg BT 113.81 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 119.97 418.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 146.14 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.03 418.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 204.58 418.10 Td (created ) Tj ET Q q 0 0 0 rg BT 237.11 418.10 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 279.11 418.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 303.32 418.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 345.32 418.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 377.04 418.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 398.47 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 406.58 418.10 Td (Passive ) Tj ET Q q 0 0 0 rg BT 440.25 418.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 488.35 418.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 530.91 418.10 Td (\(PIC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (or) Tj ET Q q 0 0 0 rg BT 58.15 406.10 Td (ganized ) Tj ET Q q 0 0 0 rg BT 90.50 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 103.41 406.10 Td (state ) Tj ET Q q 0 0 0 rg BT 122.99 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 153.68 406.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 167.15 406.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 206.36 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 223.16 406.10 Td (PIC ) Tj ET Q q 0 0 0 rg BT 239.98 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 247.90 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.60 406.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 312.62 406.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 354.98 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.56 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.04 406.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 400.40 406.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 439.42 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.45 406.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 494.66 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 513.69 406.10 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (statutes. ) Tj ET Q q 0 0 0 rg BT 85.43 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.15 394.10 Td (PIC) Tj ET Q q 0 0 0 rg BT 122.49 394.10 Td (s ) Tj ET Q q 0 0 0 rg BT 129.54 394.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 168.81 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 184.18 394.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 215.68 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.62 394.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 252.56 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.50 394.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 297.23 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.83 394.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 357.43 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 381.71 394.10 Td (that ) Tj ET Q q 0 0 0 rg BT 399.87 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 415.24 394.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 472.26 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 485.43 394.10 Td (real ) Tj ET Q q 0 0 0 rg BT 503.58 394.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 532.01 394.10 Td (Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 78.86 382.10 Td (by ) Tj ET Q q 0 0 0 rg BT 91.08 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 97.74 382.10 Td (PIC ) Tj ET Q q 0 0 0 rg BT 115.52 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 124.41 382.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 171.61 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.61 382.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 228.79 382.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.79 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.22 382.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 300.44 382.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 354.86 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 368.74 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 375.40 382.10 Td (passive ) Tj ET Q q 0 0 0 rg BT 407.05 382.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 453.15 382.10 Td (company ) Tj ET Q q 0 0 0 rg BT 492.03 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.69 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 382.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 69.60 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 81.98 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.57 370.10 Td (PIC ) Tj ET Q q 0 0 0 rg BT 114.51 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.67 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.27 370.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 162.75 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 177.34 370.10 Td (not ) Tj ET Q q 0 0 0 rg BT 192.50 370.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 223.75 370.10 Td (income ) Tj ET Q q 0 0 0 rg BT 255.56 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 269.60 370.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 320.30 370.10 Td (income ) Tj ET Q q 0 0 0 rg BT 352.12 370.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 366.71 370.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 406.62 370.10 Td (As ) Tj ET Q q 0 0 0 rg BT 420.11 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.93 370.10 Td (result ) Tj ET Q q 0 0 0 rg BT 451.52 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.23 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.83 370.10 Td (formation ) Tj ET Q q 0 0 0 rg BT 518.64 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.35 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.95 370.10 Td (PIC, ) 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 64.08 358.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 87.05 358.10 Td (no ) Tj ET Q q 0 0 0 rg BT 98.91 358.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 126.32 358.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 158.17 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.81 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 179.11 358.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 209.30 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.94 358.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 269.13 358.10 Td (income ) Tj ET Q q 0 0 0 rg BT 300.42 358.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 325.33 358.10 Td (State ) Tj ET Q q 0 0 0 rg BT 347.19 358.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 369.60 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 383.67 358.10 Td (being ) Tj ET Q q 0 0 0 rg BT 407.75 358.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 453.47 358.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.00 358.10 Td (income ) Tj ET Q q 0 0 0 rg BT 498.29 358.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 520.70 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 532.57 358.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 79.15 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 89.42 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 112.47 346.10 Td (states.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 328.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 328.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.43 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.37 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.09 328.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 182.70 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 197.40 328.10 Td (not ) Tj ET Q q 0 0 0 rg BT 212.68 328.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 251.28 328.10 Td (under ) Tj ET Q q 0 0 0 rg BT 276.54 328.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 299.04 328.10 Td (with ) Tj ET Q q 0 0 0 rg BT 319.32 328.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 350.13 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.41 328.10 Td (their ) Tj ET Q q 0 0 0 rg BT 381.24 328.10 Td (state ) Tj ET Q q 0 0 0 rg BT 402.06 328.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 416.78 328.10 Td (returns.) 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 (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item1A. ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (Risk Factors) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Risks ) Tj ET Q q 0 0 0 rg BT 74.73 724.25 Td (Relating ) Tj ET Q q 0 0 0 rg BT 112.24 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.51 724.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 141.69 724.25 Td (Business) Tj ET Q BT /F4 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 62.75 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 69.95 706.25 Td (business ) Tj ET Q q 0 0 0 rg BT 107.15 706.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 148.79 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 159.33 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 174.30 706.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 213.72 706.25 Td (services ) Tj ET Q q 0 0 0 rg BT 248.12 706.25 Td (industry) Tj ET Q q 0 0 0 rg BT 281.65 706.25 Td (, ) Tj ET Q q 0 0 0 rg BT 286.34 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 302.98 706.25 Td (business ) Tj ET Q q 0 0 0 rg BT 340.19 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.94 706.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 403.48 706.25 Td (may ) Tj ET Q q 0 0 0 rg BT 422.89 706.25 Td (be ) Tj ET Q q 0 0 0 rg BT 434.52 706.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 475.02 706.25 Td (af) Tj ET Q q 0 0 0 rg BT 483.17 706.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 509.79 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 520.32 706.25 Td (numerous ) Tj ET Q BT /F4 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 68.06 694.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 105.00 694.25 Td (ways ) Tj ET Q q 0 0 0 rg BT 127.50 694.25 Td (by ) Tj ET Q q 0 0 0 rg BT 139.43 694.25 Td (weak ) Tj ET Q q 0 0 0 rg BT 163.04 694.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 204.98 694.25 Td (conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 676.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.34 676.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 131.34 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 147.56 676.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 193.50 676.25 Td (which ) Tj ET Q q 0 0 0 rg BT 219.72 676.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 258.72 676.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 288.28 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.40 676.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 330.17 676.25 Td (money ) Tj ET Q q 0 0 0 rg BT 359.17 676.25 Td (to ) Tj ET Q q 0 0 0 rg BT 368.74 676.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 411.07 676.25 Td (in ) Tj ET Q q 0 0 0 rg BT 420.63 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.63 676.25 Td (form ) Tj ET Q q 0 0 0 rg BT 455.85 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 465.97 676.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 491.36 676.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 534.80 676.25 Td (money ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (from ) Tj ET Q q 0 0 0 rg BT 72.14 664.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 115.38 664.25 Td (in ) Tj ET Q q 0 0 0 rg BT 125.86 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.78 664.25 Td (form ) Tj ET Q q 0 0 0 rg BT 162.92 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.94 664.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 209.42 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.56 664.25 Td (investing ) Tj ET Q q 0 0 0 rg BT 265.92 664.25 Td (in ) Tj ET Q q 0 0 0 rg BT 276.40 664.25 Td (securities, ) Tj ET Q q 0 0 0 rg BT 319.36 664.25 Td (are ) Tj ET Q q 0 0 0 rg BT 334.27 664.25 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 371.96 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 382.44 664.25 Td (general ) Tj ET Q q 0 0 0 rg BT 414.57 664.25 Td (business ) Tj ET Q q 0 0 0 rg BT 451.16 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.29 664.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 509.87 664.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 554.23 664.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.33 652.25 Td (United ) Tj ET Q q 0 0 0 rg BT 93.65 652.25 Td (States. ) Tj ET Q q 0 0 0 rg BT 122.15 652.25 Td (If ) Tj ET Q q 0 0 0 rg BT 130.91 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.24 652.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 165.13 652.25 Td (economy ) Tj ET Q q 0 0 0 rg BT 203.89 652.25 Td (weakens, ) Tj ET Q q 0 0 0 rg BT 242.93 652.25 Td (our ) Tj ET Q q 0 0 0 rg BT 258.37 652.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 288.81 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.36 652.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 355.23 652.25 Td (from ) Tj ET Q q 0 0 0 rg BT 376.78 652.25 Td (our ) Tj ET Q q 0 0 0 rg BT 392.22 652.25 Td (lending, ) Tj ET Q q 0 0 0 rg BT 426.82 652.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 457.82 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 474.36 652.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 520.35 652.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.71 640.25 Td (be ) Tj ET Q q 0 0 0 rg BT 86.65 640.25 Td (constrained. ) Tj ET Q q 0 0 0 rg BT 137.74 640.25 Td (Uncertainty ) Tj ET Q q 0 0 0 rg BT 187.44 640.25 Td (about ) Tj ET Q q 0 0 0 rg BT 212.15 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.86 640.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 257.11 640.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 281.27 640.25 Td (policymaking ) Tj ET Q q 0 0 0 rg BT 338.75 640.25 Td (process, ) Tj ET Q q 0 0 0 rg BT 373.74 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 388.45 640.25 Td (medium ) Tj ET Q q 0 0 0 rg BT 423.72 640.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.66 640.25 Td (long ) Tj ET Q q 0 0 0 rg BT 460.93 640.25 Td (term ) Tj ET Q q 0 0 0 rg BT 481.76 640.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 505.91 640.25 Td (outlook ) Tj ET Q q 0 0 0 rg BT 538.96 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 640.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 80.64 628.25 Td (government, ) Tj ET Q q 0 0 0 rg BT 133.80 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.13 628.25 Td (future ) Tj ET Q q 0 0 0 rg BT 177.90 628.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 193.00 628.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 214.77 628.25 Td (is ) Tj ET Q q 0 0 0 rg BT 224.33 628.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.66 628.25 Td (concern ) Tj ET Q q 0 0 0 rg BT 266.20 628.25 Td (for ) Tj ET Q q 0 0 0 rg BT 280.75 628.25 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 328.36 628.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 374.02 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.35 628.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 430.35 628.25 Td (in ) Tj ET Q q 0 0 0 rg BT 441.02 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.12 628.25 Td (United ) Tj ET Q q 0 0 0 rg BT 486.23 628.25 Td (States. ) Tj ET Q q 0 0 0 rg BT 515.51 628.25 Td (In ) Tj ET Q q 0 0 0 rg BT 526.73 628.25 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 91.60 616.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 135.99 616.25 Td (in ) Tj ET Q q 0 0 0 rg BT 146.49 616.25 Td (foreign ) Tj ET Q q 0 0 0 rg BT 178.09 616.25 Td (countries, ) Tj ET Q q 0 0 0 rg BT 219.97 616.25 Td (including ) Tj ET Q q 0 0 0 rg BT 260.47 616.25 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 308.17 616.25 Td (over ) Tj ET Q q 0 0 0 rg BT 328.67 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.61 616.25 Td (stability ) Tj ET Q q 0 0 0 rg BT 378.55 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 389.61 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.55 616.25 Td (euro ) Tj ET Q q 0 0 0 rg BT 425.04 616.25 Td (currency) Tj ET Q q 0 0 0 rg BT 459.37 616.25 Td (, ) Tj ET Q q 0 0 0 rg BT 464.59 616.25 Td (could ) Tj ET Q q 0 0 0 rg BT 489.54 616.25 Td (af) Tj ET Q q 0 0 0 rg BT 497.12 616.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 514.83 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.78 616.25 Td (stability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.42 604.25 Td (global ) Tj ET Q q 0 0 0 rg BT 87.50 604.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 124.57 604.25 Td (markets, ) Tj ET Q q 0 0 0 rg BT 160.82 604.25 Td (which ) Tj ET Q q 0 0 0 rg BT 187.34 604.25 Td (could ) Tj ET Q q 0 0 0 rg BT 211.65 604.25 Td (hinder ) Tj ET Q q 0 0 0 rg BT 239.29 604.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 259.16 604.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 300.12 604.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 332.89 604.25 Td (W) Tj ET Q q 0 0 0 rg BT 341.52 604.25 Td (eak ) Tj ET Q q 0 0 0 rg BT 357.49 604.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 398.45 604.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 442.20 604.25 Td (are ) Tj ET Q q 0 0 0 rg BT 456.50 604.25 Td (characterized ) Tj ET Q q 0 0 0 rg BT 511.88 604.25 Td (by ) Tj ET Q q 0 0 0 rg BT 523.96 604.25 Td (deflation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 99.83 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 110.22 592.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 130.05 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 147.10 592.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 174.71 592.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 203.98 592.25 Td (markets, ) Tj ET Q q 0 0 0 rg BT 240.75 592.25 Td (a ) Tj ET Q q 0 0 0 rg BT 247.80 592.25 Td (lack ) Tj ET Q q 0 0 0 rg BT 267.07 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.02 592.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 314.52 592.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 342.69 592.25 Td (depressed ) Tj ET Q q 0 0 0 rg BT 384.73 592.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 411.22 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 421.61 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.45 592.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 479.60 592.25 Td (market ) Tj ET Q q 0 0 0 rg BT 509.98 592.25 Td (for ) Tj ET Q q 0 0 0 rg BT 524.25 592.25 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 75.44 580.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 115.03 580.25 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 171.84 580.25 Td (on ) Tj ET Q q 0 0 0 rg BT 183.67 580.25 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 225.77 580.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 266.48 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 282.75 580.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 331.78 580.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 357.22 580.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 400.70 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 416.97 580.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 466.00 580.25 Td (real ) Tj ET Q q 0 0 0 rg BT 482.82 580.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 507.42 580.25 Td (price ) Tj ET Q q 0 0 0 rg BT 529.24 580.25 Td (declines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.27 568.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 94.86 568.25 Td (home ) Tj ET Q q 0 0 0 rg BT 120.91 568.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 144.17 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 162.44 568.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 213.46 568.25 Td (activity) Tj ET Q q 0 0 0 rg BT 242.80 568.25 Td (. ) Tj ET Q q 0 0 0 rg BT 248.86 568.25 Td (The ) Tj ET Q q 0 0 0 rg BT 268.23 568.25 Td (current ) Tj ET Q q 0 0 0 rg BT 300.37 568.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 343.07 568.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 397.44 568.25 Td (is ) Tj ET Q q 0 0 0 rg BT 407.94 568.25 Td (also ) Tj ET Q q 0 0 0 rg BT 427.88 568.25 Td (characterized ) Tj ET Q q 0 0 0 rg BT 484.99 568.25 Td (by ) Tj ET Q q 0 0 0 rg BT 498.82 568.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.08 568.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 554.78 568.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (historically ) Tj ET Q q 0 0 0 rg BT 97.98 556.25 Td (low ) Tj ET Q q 0 0 0 rg BT 115.96 556.25 Td (levels, ) Tj ET Q q 0 0 0 rg BT 144.77 556.25 Td (which ) Tj ET Q q 0 0 0 rg BT 172.20 556.25 Td (impacts ) Tj ET Q q 0 0 0 rg BT 206.29 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 222.60 556.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 251.14 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 261.90 556.25 Td (attract ) Tj ET Q q 0 0 0 rg BT 289.87 556.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 325.63 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.06 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 353.82 556.25 Td (generate ) Tj ET Q q 0 0 0 rg BT 390.67 556.25 Td (attractive ) Tj ET Q q 0 0 0 rg BT 430.85 556.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 467.72 556.25 Td (through ) Tj ET Q q 0 0 0 rg BT 501.81 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 518.13 556.25 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 90.60 544.25 Td (All ) Tj ET Q q 0 0 0 rg BT 107.37 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.69 544.25 Td (these ) Tj ET Q q 0 0 0 rg BT 144.23 544.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 175.43 544.25 Td (are ) Tj ET Q q 0 0 0 rg BT 191.63 544.25 Td (detrimental ) Tj ET Q q 0 0 0 rg BT 241.16 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 252.92 544.25 Td (our ) Tj ET Q q 0 0 0 rg BT 270.25 544.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 310.63 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.06 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.26 544.25 Td (interplay ) Tj ET Q q 0 0 0 rg BT 384.80 544.25 Td (between ) Tj ET Q q 0 0 0 rg BT 422.10 544.25 Td (these ) Tj ET Q q 0 0 0 rg BT 446.64 544.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 477.84 544.25 Td (can ) Tj ET Q q 0 0 0 rg BT 495.71 544.25 Td (be ) Tj ET Q q 0 0 0 rg BT 509.14 544.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 547.56 544.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (unpredictable. ) Tj ET Q q 0 0 0 rg BT 109.29 532.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 127.21 532.25 Td (business ) Tj ET Q q 0 0 0 rg BT 163.47 532.25 Td (is ) Tj ET Q q 0 0 0 rg BT 172.50 532.25 Td (also ) Tj ET Q q 0 0 0 rg BT 190.98 532.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 243.34 532.25 Td (af) Tj ET Q q 0 0 0 rg BT 250.93 532.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 277.72 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 290.09 532.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 330.22 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 347.03 532.25 Td (related ) Tj ET Q q 0 0 0 rg BT 376.60 532.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 410.07 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 420.77 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 435.35 532.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 455.50 532.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 485.63 532.25 Td (government ) Tj ET Q q 0 0 0 rg BT 535.76 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 552.56 532.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 90.06 520.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 127.63 520.25 Td (in ) Tj ET Q q 0 0 0 rg BT 138.53 520.25 Td (any ) Tj ET Q q 0 0 0 rg BT 156.10 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 167.57 520.25 Td (these ) Tj ET Q q 0 0 0 rg BT 191.24 520.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 225.48 520.25 Td (are ) Tj ET Q q 0 0 0 rg BT 240.82 520.25 Td (influenced ) Tj ET Q q 0 0 0 rg BT 286.15 520.25 Td (by ) Tj ET Q q 0 0 0 rg BT 299.28 520.25 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 366.27 520.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 411.07 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 428.64 520.25 Td (other ) Tj ET Q q 0 0 0 rg BT 452.32 520.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 482.65 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 500.78 520.25 Td (are ) Tj ET Q q 0 0 0 rg BT 516.12 520.25 Td (beyond ) Tj ET Q q 0 0 0 rg BT 548.69 520.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (control. ) Tj ET Q q 0 0 0 rg BT 82.90 508.25 Td (Adverse ) Tj ET Q q 0 0 0 rg BT 118.89 508.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 160.43 508.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 204.76 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 221.86 508.25 Td (government ) Tj ET Q q 0 0 0 rg BT 272.29 508.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 299.95 508.25 Td (responses ) Tj ET Q q 0 0 0 rg BT 341.50 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 351.95 508.25 Td (such ) Tj ET Q q 0 0 0 rg BT 372.94 508.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 417.27 508.25 Td (could ) Tj ET Q q 0 0 0 rg BT 442.16 508.25 Td (have ) Tj ET Q q 0 0 0 rg BT 463.70 508.25 Td (a ) Tj ET Q q 0 0 0 rg BT 470.80 508.25 Td (material ) Tj ET Q q 0 0 0 rg BT 506.23 508.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 539.43 508.25 Td (ef) Tj ET Q q 0 0 0 rg BT 547.02 508.25 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 496.25 Td (our ) Tj ET Q q 0 0 0 rg BT 78.33 496.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 117.22 496.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 154.70 496.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 197.48 496.25 Td (results ) Tj ET Q q 0 0 0 rg BT 226.08 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 236.91 496.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 281.07 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.01 496.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 478.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 478.25 Td (may ) Tj ET Q q 0 0 0 rg BT 84.80 478.25 Td (not ) Tj ET Q q 0 0 0 rg BT 100.64 478.25 Td (be ) Tj ET Q q 0 0 0 rg BT 112.58 478.25 Td (able ) Tj ET Q q 0 0 0 rg BT 132.30 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 142.58 478.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 189.51 478.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 227.01 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 245.07 478.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 266.46 478.25 Td (our ) Tj ET Q q 0 0 0 rg BT 283.42 478.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 309.24 478.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 329.80 478.25 Td (which ) Tj ET Q q 0 0 0 rg BT 357.31 478.25 Td (could ) Tj ET Q q 0 0 0 rg BT 382.59 478.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 402.31 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 412.59 478.25 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 461.74 478.25 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 460.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.65 460.25 Td (business ) Tj ET Q q 0 0 0 rg BT 125.65 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 137.09 460.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 170.20 460.25 Td (is ) Tj ET Q q 0 0 0 rg BT 179.97 460.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 223.62 460.25 Td (risky) Tj ET Q q 0 0 0 rg BT 242.97 460.25 Td (, ) Tj ET Q q 0 0 0 rg BT 248.58 460.25 Td (including ) Tj ET Q q 0 0 0 rg BT 289.46 460.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 311.46 460.25 Td (that ) Tj ET Q q 0 0 0 rg BT 329.57 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 344.89 460.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 383.54 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.98 460.25 Td (or ) Tj ET Q q 0 0 0 rg BT 406.42 460.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 438.96 460.25 Td (on ) Tj ET Q q 0 0 0 rg BT 452.07 460.25 Td (any ) Tj ET Q q 0 0 0 rg BT 469.61 460.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 489.94 460.25 Td (will ) Tj ET Q q 0 0 0 rg BT 508.60 460.25 Td (not ) Tj ET Q q 0 0 0 rg BT 524.49 460.25 Td (be ) Tj ET Q q 0 0 0 rg BT 537.03 460.25 Td (repaid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 77.77 448.25 Td (or ) Tj ET Q q 0 0 0 rg BT 88.33 448.25 Td (at ) Tj ET Q q 0 0 0 rg BT 97.76 448.25 Td (all ) Tj ET Q q 0 0 0 rg BT 109.98 448.25 Td (or ) Tj ET Q q 0 0 0 rg BT 120.53 448.25 Td (that ) Tj ET Q q 0 0 0 rg BT 137.75 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.19 448.25 Td (value ) Tj ET Q q 0 0 0 rg BT 176.06 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.62 448.25 Td (any ) Tj ET Q q 0 0 0 rg BT 203.28 448.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 242.70 448.25 Td (supporting ) Tj ET Q q 0 0 0 rg BT 287.70 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.13 448.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 321.57 448.25 Td (will ) Tj ET Q q 0 0 0 rg BT 339.35 448.25 Td (be ) Tj ET Q q 0 0 0 rg BT 351.01 448.25 Td (insuf) Tj ET Q q 0 0 0 rg BT 370.83 448.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 398.59 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 408.59 448.25 Td (cover ) Tj ET Q q 0 0 0 rg BT 433.02 448.25 Td (our ) Tj ET Q q 0 0 0 rg BT 448.57 448.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 497.46 448.25 Td (exposure. ) Tj ET Q q 0 0 0 rg BT 538.12 448.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 72.11 436.25 Td (may ) Tj ET Q q 0 0 0 rg BT 92.54 436.25 Td (be ) Tj ET Q q 0 0 0 rg BT 105.20 436.25 Td (af) Tj ET Q q 0 0 0 rg BT 112.79 436.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 140.43 436.25 Td (by ) Tj ET Q q 0 0 0 rg BT 153.65 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.08 436.25 Td (strength ) Tj ET Q q 0 0 0 rg BT 204.52 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.06 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 231.50 436.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 268.52 436.25 Td () Tj ET Q q 0 0 0 rg BT 271.30 436.25 Td (s ) Tj ET Q q 0 0 0 rg BT 278.41 436.25 Td (business ) Tj ET Q q 0 0 0 rg BT 315.52 436.25 Td (sector ) Tj ET Q q 0 0 0 rg BT 342.61 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.27 436.25 Td (local, ) Tj ET Q q 0 0 0 rg BT 385.42 436.25 Td (regional ) Tj ET Q q 0 0 0 rg BT 421.40 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 439.06 436.25 Td (national ) Tj ET Q q 0 0 0 rg BT 474.49 436.25 Td (market ) Tj ET Q q 0 0 0 rg BT 505.47 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 523.13 436.25 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 96.77 424.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 114.93 424.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 132.54 424.25 Td (management ) Tj ET Q q 0 0 0 rg BT 186.24 424.25 Td (practices, ) Tj ET Q q 0 0 0 rg BT 226.88 424.25 Td (such ) Tj ET Q q 0 0 0 rg BT 247.82 424.25 Td (as ) Tj ET Q q 0 0 0 rg BT 258.76 424.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 305.81 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.64 424.25 Td (concentration ) Tj ET Q q 0 0 0 rg BT 377.67 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.60 424.25 Td (our ) Tj ET Q q 0 0 0 rg BT 404.54 424.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 428.26 424.25 Td (within ) Tj ET Q q 0 0 0 rg BT 456.43 424.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 490.13 424.25 Td (industries ) Tj ET Q q 0 0 0 rg BT 531.63 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 548.67 424.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.07 412.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 112.36 412.25 Td (practices, ) Tj ET Q q 0 0 0 rg BT 152.70 412.25 Td (may ) Tj ET Q q 0 0 0 rg BT 172.23 412.25 Td (not ) Tj ET Q q 0 0 0 rg BT 187.31 412.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 232.93 412.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 261.88 412.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 286.95 412.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 306.76 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 323.51 412.25 Td (our ) Tj ET Q q 0 0 0 rg BT 339.14 412.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 364.21 412.25 Td (administration ) Tj ET Q q 0 0 0 rg BT 424.29 412.25 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 467.97 412.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 501.38 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.13 412.25 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (may ) Tj ET Q q 0 0 0 rg BT 69.21 400.25 Td (not ) Tj ET Q q 0 0 0 rg BT 83.98 400.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 129.28 400.25 Td (adapt ) Tj ET Q q 0 0 0 rg BT 152.93 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 162.70 400.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 196.90 400.25 Td (in ) Tj ET Q q 0 0 0 rg BT 206.67 400.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 247.53 400.25 Td (or ) Tj ET Q q 0 0 0 rg BT 257.86 400.25 Td (any ) Tj ET Q q 0 0 0 rg BT 274.29 400.25 Td (other ) Tj ET Q q 0 0 0 rg BT 296.83 400.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 340.48 400.25 Td (af) Tj ET Q q 0 0 0 rg BT 348.07 400.25 Td (fecting ) Tj ET Q q 0 0 0 rg BT 377.83 400.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 420.37 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.80 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.01 400.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 480.77 400.25 Td (of ) Tj ET Q q 0 0 0 rg BT 491.09 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.30 400.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 524.51 400.25 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (Finally) Tj ET Q q 0 0 0 rg BT 77.69 388.25 Td (, ) Tj ET Q q 0 0 0 rg BT 82.91 388.25 Td (many ) Tj ET Q q 0 0 0 rg BT 107.85 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.90 388.25 Td (our ) Tj ET Q q 0 0 0 rg BT 134.95 388.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 158.78 388.25 Td (are ) Tj ET Q q 0 0 0 rg BT 173.71 388.25 Td (made ) Tj ET Q q 0 0 0 rg BT 198.09 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 208.59 388.25 Td (middle ) Tj ET Q q 0 0 0 rg BT 239.08 388.25 Td (market ) Tj ET Q q 0 0 0 rg BT 269.57 388.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 314.51 388.25 Td (that ) Tj ET Q q 0 0 0 rg BT 332.23 388.25 Td (may ) Tj ET Q q 0 0 0 rg BT 352.17 388.25 Td (be ) Tj ET Q q 0 0 0 rg BT 364.33 388.25 Td (less ) Tj ET Q q 0 0 0 rg BT 382.05 388.25 Td (able ) Tj ET Q q 0 0 0 rg BT 401.43 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 411.93 388.25 Td (withstand ) Tj ET Q q 0 0 0 rg BT 453.54 388.25 Td (competitive, ) Tj ET Q q 0 0 0 rg BT 505.97 388.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 547.56 388.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.70 376.25 Td (pressures ) Tj ET Q q 0 0 0 rg BT 125.63 376.25 Td (than ) Tj ET Q q 0 0 0 rg BT 144.57 376.25 Td (lar) Tj ET Q q 0 0 0 rg BT 154.93 376.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 169.42 376.25 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 213.80 376.25 Td (A) Tj ET Q q 0 0 0 rg BT 220.47 376.25 Td ( ) Tj ET Q q 0 0 0 rg BT 222.19 376.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 250.00 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.50 376.25 Td (ef) Tj ET Q q 0 0 0 rg BT 267.09 376.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 303.79 376.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 338.82 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 354.98 376.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 375.59 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 389.52 376.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 414.01 376.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 430.72 376.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 473.54 376.25 Td (with ) Tj ET Q q 0 0 0 rg BT 493.03 376.25 Td (our ) Tj ET Q q 0 0 0 rg BT 508.08 376.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.02 376.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 364.25 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 364.25 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 364.25 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 364.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 171.33 364.25 Td (ef) Tj ET Q q 0 0 0 rg BT 178.92 364.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 196.40 364.25 Td (on ) Tj ET Q q 0 0 0 rg BT 208.90 364.25 Td (our ) Tj ET Q q 0 0 0 rg BT 224.73 364.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 263.62 364.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 301.10 364.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 343.88 364.25 Td (results ) Tj ET Q q 0 0 0 rg BT 372.49 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.32 364.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 427.47 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.41 364.25 Td (future ) Tj ET Q q 0 0 0 rg BT 470.79 364.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.66 346.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 112.31 346.25 Td (for ) Tj ET Q q 0 0 0 rg BT 126.52 346.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 146.84 346.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.72 346.25 Td (may ) Tj ET Q q 0 0 0 rg BT 191.92 346.25 Td (not ) Tj ET Q q 0 0 0 rg BT 207.24 346.25 Td (be ) Tj ET Q q 0 0 0 rg BT 218.67 346.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 257.87 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 267.63 346.25 Td (absorb ) Tj ET Q q 0 0 0 rg BT 297.40 346.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 323.28 346.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 360.27 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 370.60 346.25 Td (our ) Tj ET Q q 0 0 0 rg BT 387.03 346.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 407.36 346.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 447.40 346.25 Td (which ) Tj ET Q q 0 0 0 rg BT 474.39 346.25 Td (could ) Tj ET Q q 0 0 0 rg BT 499.16 346.25 Td (have ) Tj ET Q q 0 0 0 rg BT 520.58 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 527.57 346.25 Td (material ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.60 334.25 Td (ef) Tj ET Q q 0 0 0 rg BT 91.19 334.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 108.67 334.25 Td (on ) Tj ET Q q 0 0 0 rg BT 121.73 334.25 Td (our ) Tj ET Q q 0 0 0 rg BT 138.69 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.41 334.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 219.81 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.87 334.25 Td (results ) Tj ET Q q 0 0 0 rg BT 267.60 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.43 334.25 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 316.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 316.25 Td (e ) Tj ET Q q 0 0 0 rg BT 86.68 316.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 125.28 316.25 Td (an ) Tj ET Q q 0 0 0 rg BT 138.32 316.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 182.46 316.25 Td (for ) Tj ET Q q 0 0 0 rg BT 197.72 316.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 218.54 316.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 246.04 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 257.42 316.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 291.58 316.25 Td (for ) Tj ET Q q 0 0 0 rg BT 306.84 316.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 334.34 316.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 370.71 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 382.09 316.25 Td (our ) Tj ET Q q 0 0 0 rg BT 399.02 316.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 419.85 316.25 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 460.95 316.25 Td (Maintaining ) Tj ET Q q 0 0 0 rg BT 513.43 316.25 Td (an ) Tj ET Q q 0 0 0 rg BT 526.48 316.25 Td (adequate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 93.94 304.25 Td (for ) Tj ET Q q 0 0 0 rg BT 109.02 304.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 129.65 304.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 156.95 304.25 Td (is ) Tj ET Q q 0 0 0 rg BT 167.03 304.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 198.20 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 209.39 304.25 Td (our ) Tj ET Q q 0 0 0 rg BT 226.13 304.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 264.53 304.25 Td (results ) Tj ET Q q 0 0 0 rg BT 294.05 304.25 Td (and ) Tj ET Q q 0 0 0 rg BT 311.90 304.25 Td (condition. ) Tj ET Q q 0 0 0 rg BT 355.34 304.25 Td (The ) Tj ET Q q 0 0 0 rg BT 374.30 304.25 Td (level ) Tj ET Q q 0 0 0 rg BT 397.14 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 408.88 304.25 Td (our ) Tj ET Q q 0 0 0 rg BT 425.63 304.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 469.57 304.25 Td (for ) Tj ET Q q 0 0 0 rg BT 484.64 304.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 505.27 304.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 532.58 304.25 Td (reflects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (management) Tj ET Q q 0 0 0 rg BT 103.87 292.25 Td (s ) Tj ET Q q 0 0 0 rg BT 110.06 292.25 Td (continuing ) Tj ET Q q 0 0 0 rg BT 155.13 292.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 199.07 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.70 292.25 Td (general ) Tj ET Q q 0 0 0 rg BT 241.42 292.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 282.59 292.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 329.05 292.25 Td (diversification ) Tj ET Q q 0 0 0 rg BT 389.10 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 405.84 292.25 Td (seasoning ) Tj ET Q q 0 0 0 rg BT 447.57 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.20 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 472.71 292.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 492.23 292.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 532.02 292.25 Td (historic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.26 280.25 Td (experience, ) Tj ET Q q 0 0 0 rg BT 116.76 280.25 Td (identified ) Tj ET Q q 0 0 0 rg BT 157.77 280.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 183.23 280.25 Td (problems, ) Tj ET Q q 0 0 0 rg BT 225.65 280.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 277.22 280.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 303.24 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 320.37 280.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 360.82 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.85 280.25 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 414.05 280.25 Td (The ) Tj ET Q q 0 0 0 rg BT 432.29 280.25 Td (determination ) Tj ET Q q 0 0 0 rg BT 490.53 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 501.55 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.47 280.25 Td (appropriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (level ) Tj ET Q q 0 0 0 rg BT 70.87 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 80.64 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 94.30 268.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 136.27 268.25 Td (for ) Tj ET Q q 0 0 0 rg BT 149.38 268.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 168.03 268.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 193.36 268.25 Td (is ) Tj ET Q q 0 0 0 rg BT 201.47 268.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 243.46 268.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 270.45 268.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 312.44 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 328.32 268.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 361.96 268.25 Td (us ) Tj ET Q q 0 0 0 rg BT 372.29 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 381.51 268.25 Td (make ) Tj ET Q q 0 0 0 rg BT 404.61 268.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 448.26 268.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 486.91 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.68 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.56 268.25 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 90.43 256.25 Td (current ) Tj ET Q q 0 0 0 rg BT 120.85 256.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.73 256.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 166.73 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.28 256.25 Td (future ) Tj ET Q q 0 0 0 rg BT 209.27 256.25 Td (trends, ) Tj ET Q q 0 0 0 rg BT 238.32 256.25 Td (all ) Tj ET Q q 0 0 0 rg BT 250.42 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.86 256.25 Td (which ) Tj ET Q q 0 0 0 rg BT 287.41 256.25 Td (may ) Tj ET Q q 0 0 0 rg BT 306.74 256.25 Td (under) Tj ET Q q 0 0 0 rg BT 329.33 256.25 Td (go ) Tj ET Q q 0 0 0 rg BT 341.44 256.25 Td (material ) Tj ET Q q 0 0 0 rg BT 376.31 256.25 Td (changes. ) Tj ET Q q 0 0 0 rg BT 413.13 256.25 Td (Inaccurate ) Tj ET Q q 0 0 0 rg BT 456.87 256.25 Td (management ) Tj ET Q q 0 0 0 rg BT 510.07 256.25 Td (assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (continuing ) Tj ET Q q 0 0 0 rg BT 95.22 244.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 148.75 244.25 Td (of ) Tj ET Q q 0 0 0 rg BT 159.52 244.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 200.84 244.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 244.95 244.25 Td (af) Tj ET Q q 0 0 0 rg BT 252.54 244.25 Td (fecting ) Tj ET Q q 0 0 0 rg BT 282.74 244.25 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 328.23 244.25 Td (new ) Tj ET Q q 0 0 0 rg BT 347.33 244.25 Td (information ) Tj ET Q q 0 0 0 rg BT 396.99 244.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 437.75 244.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 471.86 244.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 497.91 244.25 Td (identification ) Tj ET Q q 0 0 0 rg BT 553.67 244.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 92.65 232.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 128.64 232.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 152.41 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 169.52 232.25 Td (other ) Tj ET Q q 0 0 0 rg BT 192.73 232.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 225.10 232.25 Td (both ) Tj ET Q q 0 0 0 rg BT 245.54 232.25 Td (within ) Tj ET Q q 0 0 0 rg BT 273.76 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 290.86 232.25 Td (outside ) Tj ET Q q 0 0 0 rg BT 322.41 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.41 232.25 Td (our ) Tj ET Q q 0 0 0 rg BT 349.40 232.25 Td (control, ) Tj ET Q q 0 0 0 rg BT 382.89 232.25 Td (may ) Tj ET Q q 0 0 0 rg BT 402.77 232.25 Td (require ) Tj ET Q q 0 0 0 rg BT 433.75 232.25 Td (us ) Tj ET Q q 0 0 0 rg BT 445.30 232.25 Td (to ) Tj ET Q q 0 0 0 rg BT 455.74 232.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 491.16 232.25 Td (our ) Tj ET Q q 0 0 0 rg BT 507.16 232.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.35 232.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.54 220.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 98.26 220.25 Td (In ) Tj ET Q q 0 0 0 rg BT 108.92 220.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 146.51 220.25 Td (our ) Tj ET Q q 0 0 0 rg BT 162.17 220.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 206.98 220.25 Td (as ) Tj ET Q q 0 0 0 rg BT 217.64 220.25 Td (an ) Tj ET Q q 0 0 0 rg BT 229.40 220.25 Td (integral ) Tj ET Q q 0 0 0 rg BT 262.27 220.25 Td (part ) Tj ET Q q 0 0 0 rg BT 280.14 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.80 220.25 Td (their ) Tj ET Q q 0 0 0 rg BT 311.45 220.25 Td (examination ) Tj ET Q q 0 0 0 rg BT 363.20 220.25 Td (process, ) Tj ET Q q 0 0 0 rg BT 398.02 220.25 Td (review ) Tj ET Q q 0 0 0 rg BT 427.55 220.25 Td (our ) Tj ET Q q 0 0 0 rg BT 443.21 220.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.64 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 483.41 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.95 220.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 538.03 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 220.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 93.39 208.25 Td (for ) Tj ET Q q 0 0 0 rg BT 107.90 208.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 127.97 208.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 154.71 208.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.00 208.25 Td (may ) Tj ET Q q 0 0 0 rg BT 192.07 208.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 217.69 208.25 Td (us ) Tj ET Q q 0 0 0 rg BT 229.44 208.25 Td (to ) Tj ET Q q 0 0 0 rg BT 240.07 208.25 Td (make ) Tj ET Q q 0 0 0 rg BT 264.58 208.25 Td (additions ) Tj ET Q q 0 0 0 rg BT 304.09 208.25 Td (to ) Tj ET Q q 0 0 0 rg BT 314.72 208.25 Td (our ) Tj ET Q q 0 0 0 rg BT 330.91 208.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 374.29 208.25 Td (for ) Tj ET Q q 0 0 0 rg BT 388.81 208.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 408.88 208.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 435.62 208.25 Td (based ) Tj ET Q q 0 0 0 rg BT 461.24 208.25 Td (on ) Tj ET Q q 0 0 0 rg BT 474.10 208.25 Td (their ) Tj ET Q q 0 0 0 rg BT 495.27 208.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 539.79 208.25 Td (about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (information ) Tj ET Q q 0 0 0 rg BT 99.50 196.25 Td (available ) Tj ET Q q 0 0 0 rg BT 137.88 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 147.95 196.25 Td (them ) Tj ET Q q 0 0 0 rg BT 170.23 196.25 Td (at ) Tj ET Q q 0 0 0 rg BT 179.74 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 194.25 196.25 Td (time ) Tj ET Q q 0 0 0 rg BT 214.31 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.93 196.25 Td (their ) Tj ET Q q 0 0 0 rg BT 245.55 196.25 Td (examination. ) Tj ET Q q 0 0 0 rg BT 299.77 196.25 Td (Further) Tj ET Q q 0 0 0 rg BT 328.80 196.25 Td (, ) Tj ET Q q 0 0 0 rg BT 333.59 196.25 Td (if ) Tj ET Q q 0 0 0 rg BT 341.99 196.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 368.15 196.25 Td (char) Tj ET Q q 0 0 0 rg BT 385.18 196.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 406.10 196.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 415.61 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 425.68 196.25 Td (future ) Tj ET Q q 0 0 0 rg BT 451.85 196.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 483.57 196.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 513.62 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.13 196.25 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (allocated ) Tj ET Q q 0 0 0 rg BT 87.69 184.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.07 184.25 Td (our ) Tj ET Q q 0 0 0 rg BT 111.99 184.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 154.13 184.25 Td (for ) Tj ET Q q 0 0 0 rg BT 167.39 184.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 186.20 184.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 214.19 184.25 Td (we ) Tj ET Q q 0 0 0 rg BT 227.45 184.25 Td (may ) Tj ET Q q 0 0 0 rg BT 246.27 184.25 Td (need ) Tj ET Q q 0 0 0 rg BT 266.74 184.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 308.33 184.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 347.71 184.25 Td (for ) Tj ET Q q 0 0 0 rg BT 360.97 184.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 379.79 184.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 405.28 184.25 Td (to ) Tj ET Q q 0 0 0 rg BT 414.65 184.25 Td (restore ) Tj ET Q q 0 0 0 rg BT 443.46 184.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.28 184.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 496.63 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.56 184.25 Td (our ) Tj ET Q q 0 0 0 rg BT 521.49 184.25 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.91 172.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.37 172.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 112.01 172.25 Td (If ) Tj ET Q q 0 0 0 rg BT 120.92 172.25 Td (we ) Tj ET Q q 0 0 0 rg BT 134.83 172.25 Td (are ) Tj ET Q q 0 0 0 rg BT 149.28 172.25 Td (required ) Tj ET Q q 0 0 0 rg BT 184.84 172.25 Td (to ) Tj ET Q q 0 0 0 rg BT 194.87 172.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 237.65 172.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 272.66 172.25 Td (our ) Tj ET Q q 0 0 0 rg BT 288.23 172.25 Td (level ) Tj ET Q q 0 0 0 rg BT 309.92 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 320.49 172.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 363.27 172.25 Td (for ) Tj ET Q q 0 0 0 rg BT 377.18 172.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 396.64 172.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 422.78 172.25 Td (for ) Tj ET Q q 0 0 0 rg BT 436.69 172.25 Td (any ) Tj ET Q q 0 0 0 rg BT 453.38 172.25 Td (reason, ) Tj ET Q q 0 0 0 rg BT 484.22 172.25 Td (such ) Tj ET Q q 0 0 0 rg BT 504.80 172.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 539.80 172.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 160.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 160.25 Td (material ) Tj ET Q q 0 0 0 rg BT 113.57 160.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 146.61 160.25 Td (ef) Tj ET Q q 0 0 0 rg BT 154.20 160.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.68 160.25 Td (on ) Tj ET Q q 0 0 0 rg BT 184.18 160.25 Td (our ) Tj ET Q q 0 0 0 rg BT 200.01 160.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 238.91 160.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 276.39 160.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 319.16 160.25 Td (results ) Tj ET Q q 0 0 0 rg BT 347.77 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.60 160.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 402.75 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.69 160.25 Td (future ) Tj ET Q q 0 0 0 rg BT 446.07 160.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 142.25 Td (concentration ) Tj ET Q q 0 0 0 rg BT 128.90 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 139.73 142.25 Td (large ) Tj ET Q q 0 0 0 rg BT 163.34 142.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 188.07 142.25 Td (to ) Tj ET Q q 0 0 0 rg BT 198.35 142.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 229.74 142.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 273.91 142.25 Td (may ) Tj ET Q q 0 0 0 rg BT 293.63 142.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 330.57 142.25 Td (our ) Tj ET Q q 0 0 0 rg BT 347.52 142.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 373.34 142.25 Td (risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 124.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.23 124.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 117.25 124.25 Td (over ) Tj ET Q q 0 0 0 rg BT 136.70 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.60 124.25 Td (last ) Tj ET Q q 0 0 0 rg BT 166.16 124.25 Td (severalyears ) Tj ET Q q 0 0 0 rg BT 219.76 124.25 Td (has ) Tj ET Q q 0 0 0 rg BT 234.77 124.25 Td (been ) Tj ET Q q 0 0 0 rg BT 255.33 124.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 290.33 124.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 337.55 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 347.01 124.25 Td (our ) Tj ET Q q 0 0 0 rg BT 362.03 124.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 389.26 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 398.72 124.25 Td (originate ) Tj ET Q q 0 0 0 rg BT 435.94 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.07 124.25 Td (retain ) Tj ET Q q 0 0 0 rg BT 476.51 124.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 501.43 124.25 Td (A) Tj ET Q q 0 0 0 rg BT 508.10 124.25 Td ( ) Tj ET Q q 0 0 0 rg BT 509.78 124.25 Td (good ) Tj ET Q q 0 0 0 rg BT 531.46 124.25 Td (number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.16 112.25 Td (these ) Tj ET Q q 0 0 0 rg BT 82.53 112.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 105.46 112.25 Td (have ) Tj ET Q q 0 0 0 rg BT 126.16 112.25 Td (been ) Tj ET Q q 0 0 0 rg BT 146.87 112.25 Td (made ) Tj ET Q q 0 0 0 rg BT 170.35 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 179.95 112.25 Td (a ) Tj ET Q q 0 0 0 rg BT 186.21 112.25 Td (small ) Tj ET Q q 0 0 0 rg BT 209.70 112.25 Td (number ) Tj ET Q q 0 0 0 rg BT 242.08 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 252.23 112.25 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 297.10 112.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 333.92 112.25 Td (in ) Tj ET Q q 0 0 0 rg BT 343.52 112.25 Td (a ) Tj ET Q q 0 0 0 rg BT 349.79 112.25 Td (high ) Tj ET Q q 0 0 0 rg BT 369.39 112.25 Td (concentration ) Tj ET Q q 0 0 0 rg BT 425.63 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 435.79 112.25 Td (lar) Tj ET Q q 0 0 0 rg BT 446.15 112.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 457.42 112.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 480.35 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 489.96 112.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 518.98 112.25 Td (borrowers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 100.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.52 100.25 Td (have ) Tj ET Q q 0 0 0 rg BT 86.83 100.25 Td (established ) Tj ET Q q 0 0 0 rg BT 133.71 100.25 Td (an ) Tj ET Q q 0 0 0 rg BT 145.59 100.25 Td (informal, ) Tj ET Q q 0 0 0 rg BT 184.96 100.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 217.94 100.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 250.38 100.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 271.71 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 281.93 100.25 Td (one ) Tj ET Q q 0 0 0 rg BT 298.81 100.25 Td (relationship ) Tj ET Q q 0 0 0 rg BT 348.46 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.23 100.25 Td (up ) Tj ET Q q 0 0 0 rg BT 371.67 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 381.89 100.25 Td (40% ) Tj ET Q q 0 0 0 rg BT 402.66 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 413.43 100.25 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 461.41 100.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 490.50 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.38 100.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.36 100.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.82 88.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 98.81 88.25 Td (if ) Tj ET Q q 0 0 0 rg BT 107.51 88.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 140.65 88.25 Td (by ) Tj ET Q q 0 0 0 rg BT 153.25 88.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 203.05 88.25 Td (real ) Tj ET Q q 0 0 0 rg BT 220.63 88.25 Td (estate. ) Tj ET Q q 0 0 0 rg BT 247.92 88.25 Td (A) Tj ET Q q 0 0 0 rg BT 254.59 88.25 Td ( ) Tj ET Q q 0 0 0 rg BT 257.19 88.25 Td (relationship ) Tj ET Q q 0 0 0 rg BT 307.00 88.25 Td (in ) Tj ET Q q 0 0 0 rg BT 317.38 88.25 Td (this ) Tj ET Q q 0 0 0 rg BT 334.42 88.25 Td (instance ) Tj ET Q q 0 0 0 rg BT 369.79 88.25 Td (is ) Tj ET Q q 0 0 0 rg BT 379.06 88.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 411.64 88.25 Td (as ) Tj ET Q q 0 0 0 rg BT 422.57 88.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 446.28 88.25 Td (made ) Tj ET Q q 0 0 0 rg BT 470.53 88.25 Td (to ) Tj ET Q q 0 0 0 rg BT 480.91 88.25 Td (dif) Tj ET Q q 0 0 0 rg BT 491.84 88.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 517.75 88.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 549.23 88.25 Td (but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.92 76.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.50 76.25 Td (shared ) Tj ET Q q 0 0 0 rg BT 107.75 76.25 Td (borrower ) Tj ET Q q 0 0 0 rg BT 147.54 76.25 Td (principal\(s\). ) Tj ET Q q 0 0 0 rg BT 199.28 76.25 Td (For ) Tj ET Q q 0 0 0 rg BT 216.31 76.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 260.01 76.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 286.76 76.25 Td (limits ) Tj ET Q q 0 0 0 rg BT 312.69 76.25 Td (are ) Tj ET Q q 0 0 0 rg BT 328.04 76.25 Td (set ) Tj ET Q q 0 0 0 rg BT 342.29 76.25 Td (so ) Tj ET Q q 0 0 0 rg BT 354.32 76.25 Td (as ) Tj ET Q q 0 0 0 rg BT 365.80 76.25 Td (not ) Tj ET Q q 0 0 0 rg BT 381.72 76.25 Td (to ) Tj ET Q q 0 0 0 rg BT 392.64 76.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 423.54 76.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.90 76.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 477.04 76.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 520.73 76.25 Td (of ) Tj ET Q q 0 0 0 rg BT 532.21 76.25 Td (15% ) Tj ET Q q 0 0 0 rg BT 553.68 76.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 97.11 64.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 125.32 64.25 Td (and ) Tj ET Q q 0 0 0 rg BT 141.32 64.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 183.42 64.25 Td (for ) Tj ET Q q 0 0 0 rg BT 196.64 64.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 215.42 64.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 243.38 64.25 Td (However) Tj ET Q q 0 0 0 rg BT 279.63 64.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.69 64.25 Td (we ) Tj ET Q q 0 0 0 rg BT 296.92 64.25 Td (may) Tj ET Q q 0 0 0 rg BT 313.48 64.25 Td (, ) Tj ET Q q 0 0 0 rg BT 317.55 64.25 Td (under ) Tj ET Q q 0 0 0 rg BT 341.88 64.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 370.65 64.25 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 431.35 64.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 466.79 64.25 Td (going ) Tj ET Q q 0 0 0 rg BT 491.14 64.25 Td (above ) Tj ET Q q 0 0 0 rg BT 516.58 64.25 Td (our ) Tj ET Q q 0 0 0 rg BT 531.47 64.25 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 71.44 52.25 Td (in ) Tj ET Q q 0 0 0 rg BT 81.77 52.25 Td (situations ) Tj ET Q q 0 0 0 rg BT 122.65 52.25 Td (where ) Tj ET Q q 0 0 0 rg BT 149.63 52.25 Td (we ) Tj ET Q q 0 0 0 rg BT 163.84 52.25 Td (are ) Tj ET Q q 0 0 0 rg BT 178.59 52.25 Td (confident ) Tj ET Q q 0 0 0 rg BT 218.91 52.25 Td (that ) Tj ET Q q 0 0 0 rg BT 236.45 52.25 Td (\(1\)the ) Tj ET Q q 0 0 0 rg BT 265.38 52.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 285.14 52.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.47 52.25 Td (value ) Tj ET Q q 0 0 0 rg BT 319.67 52.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 343.05 52.25 Td (other ) Tj ET Q q 0 0 0 rg BT 366.14 52.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 425.88 52.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.76 52.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.52 52.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 489.06 52.25 Td (of ) Tj ET Q q 0 0 0 rg BT 499.94 52.25 Td (the ) Tj ET Q q 0 0 0 rg BT 514.70 52.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 534.47 52.25 Td (is ) Tj ET Q q 0 0 0 rg BT 543.69 52.25 Td (such ) 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 (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.31 742.10 Td (it ) Tj ET Q q 0 0 0 rg BT 75.17 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 84.15 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 90.90 742.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 115.98 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 133.29 742.10 Td (than ) Tj ET Q q 0 0 0 rg BT 152.82 742.10 Td (standard, ) Tj ET Q q 0 0 0 rg BT 191.51 742.10 Td (\(2\)we ) Tj ET Q q 0 0 0 rg BT 219.64 742.10 Td (will ) Tj ET Q q 0 0 0 rg BT 237.51 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 249.26 742.10 Td (able ) Tj ET Q q 0 0 0 rg BT 268.23 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.31 742.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 294.51 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.60 742.10 Td (another ) Tj ET Q q 0 0 0 rg BT 336.90 742.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 379.77 742.10 Td (some ) Tj ET Q q 0 0 0 rg BT 403.19 742.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 434.39 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.03 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.56 742.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 509.08 742.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 528.61 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 539.25 742.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.39 730.10 Td (whole ) Tj ET Q q 0 0 0 rg BT 84.77 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 104.94 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 116.22 730.10 Td (participation, ) Tj ET Q q 0 0 0 rg BT 172.20 730.10 Td (\(3\)there ) Tj ET Q q 0 0 0 rg BT 209.30 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 218.91 730.10 Td (suf) Tj ET Q q 0 0 0 rg BT 230.96 730.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 259.45 730.10 Td (diversification ) Tj ET Q q 0 0 0 rg BT 320.15 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.88 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.04 730.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 390.65 730.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 428.59 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.86 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.03 730.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 494.64 730.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 539.25 730.10 Td (entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 68.06 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.34 718.10 Td (involvement ) Tj ET Q q 0 0 0 rg BT 136.40 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.80 718.10 Td (one ) Tj ET Q q 0 0 0 rg BT 165.30 718.10 Td (party ) Tj ET Q q 0 0 0 rg BT 188.92 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.76 718.10 Td (whom ) Tj ET Q q 0 0 0 rg BT 227.83 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 242.55 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 264.50 718.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 303.66 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 327.27 718.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 347.55 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 366.18 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 382.02 718.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 435.08 718.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 479.79 718.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 510.07 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.36 718.10 Td (proposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (loan) Tj ET Q q 0 0 0 rg BT 70.00 706.10 Td (s ) Tj ET Q q 0 0 0 rg BT 76.15 706.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 128.94 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.99 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 145.69 706.10 Td (downturn ) Tj ET Q q 0 0 0 rg BT 186.29 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 196.89 706.10 Td (\(4\)the ) Tj ET Q q 0 0 0 rg BT 225.53 706.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 264.46 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 283.94 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 292.88 706.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 325.69 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 337.95 706.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 386.31 706.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 413.58 706.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 455.54 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 469.47 706.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 508.11 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.81 706.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.14 694.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.05 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 111.42 694.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 144.11 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.26 694.10 Td (real ) Tj ET Q q 0 0 0 rg BT 173.40 694.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 198.32 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 215.47 694.10 Td (has ) Tj ET Q q 0 0 0 rg BT 230.95 694.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 258.10 694.10 Td (tenants ) Tj ET Q q 0 0 0 rg BT 288.58 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.51 694.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 350.09 694.10 Td (leases, ) Tj ET Q q 0 0 0 rg BT 378.62 694.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 410.76 694.10 Td (reducing ) Tj ET Q q 0 0 0 rg BT 447.90 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.27 694.10 Td (reliance ) Tj ET Q q 0 0 0 rg BT 496.06 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 508.21 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.58 694.10 Td (principals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.79 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.47 682.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 122.59 682.10 Td (entity) Tj ET Q q 0 0 0 rg BT 144.72 682.10 Td (. ) Tj ET Q q 0 0 0 rg BT 149.91 682.10 Td (As ) Tj ET Q q 0 0 0 rg BT 164.49 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.28 682.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 235.83 682.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 261.79 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 278.58 682.10 Td (five ) Tj ET Q q 0 0 0 rg BT 297.59 682.10 Td (lar) Tj ET Q q 0 0 0 rg BT 307.96 682.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 327.53 682.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 382.09 682.10 Td (ranged ) Tj ET Q q 0 0 0 rg BT 412.76 682.10 Td (from ) Tj ET Q q 0 0 0 rg BT 435.66 682.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 496.88 682.10 Td ($36.5million ) Tj ET Q q 0 0 0 rg BT 554.24 682.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td ($84.9million, ) Tj ET Q q 0 0 0 rg BT 108.78 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.60 670.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 169.65 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.81 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.41 670.10 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 238.16 670.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 298.31 670.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 319.03 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.74 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 345.46 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 365.06 670.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 404.94 670.10 Td (In ) Tj ET Q q 0 0 0 rg BT 415.66 670.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 450.82 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.99 670.10 Td (other ) Tj ET Q q 0 0 0 rg BT 483.92 670.10 Td (typical ) Tj ET Q q 0 0 0 rg BT 513.52 670.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 534.80 670.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.45 658.10 Td (any ) Tj ET Q q 0 0 0 rg BT 77.55 658.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 99.94 658.10 Td (such ) Tj ET Q q 0 0 0 rg BT 120.94 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 131.94 658.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 185.69 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.69 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.58 658.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 251.44 658.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 287.99 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.87 658.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 329.15 658.10 Td (this ) Tj ET Q q 0 0 0 rg BT 346.27 658.10 Td (high ) Tj ET Q q 0 0 0 rg BT 366.71 658.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 423.80 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.80 658.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 478.01 658.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 513.45 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.55 658.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 538.22 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.67 658.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 81.75 646.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 127.65 646.10 Td (If ) Tj ET Q q 0 0 0 rg BT 136.07 646.10 Td (any ) Tj ET Q q 0 0 0 rg BT 152.26 646.10 Td (one ) Tj ET Q q 0 0 0 rg BT 168.45 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.53 646.10 Td (these ) Tj ET Q q 0 0 0 rg BT 200.83 646.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 243.12 646.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 279.86 646.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 308.27 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.80 646.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 341.76 646.10 Td (their ) Tj ET Q q 0 0 0 rg BT 361.83 646.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 380.80 646.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 427.00 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 440.41 646.10 Td (any ) Tj ET Q q 0 0 0 rg BT 456.60 646.10 Td (reason, ) Tj ET Q q 0 0 0 rg BT 486.95 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 502.03 646.10 Td (nonperforming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.10 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.52 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 107.84 634.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 151.36 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 166.01 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 186.21 634.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 213.09 634.10 Td (could ) Tj ET Q q 0 0 0 rg BT 238.29 634.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 274.03 634.10 Td (significantly) Tj ET Q q 0 0 0 rg BT 323.38 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 328.86 634.10 Td (which ) Tj ET Q q 0 0 0 rg BT 356.29 634.10 Td (could ) Tj ET Q q 0 0 0 rg BT 381.49 634.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 422.79 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.22 634.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 483.75 634.10 Td (af) Tj ET Q q 0 0 0 rg BT 491.33 634.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 509.31 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.62 634.10 Td (business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 622.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 127.75 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.69 622.10 Td (results ) Tj ET Q q 0 0 0 rg BT 173.30 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.13 622.10 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.75 604.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 119.15 604.10 Td (real ) Tj ET Q q 0 0 0 rg BT 137.34 604.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 162.74 604.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 185.66 604.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 236.05 604.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 256.47 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.11 604.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 327.87 604.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 348.29 604.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 389.81 604.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 419.66 604.10 Td (us ) Tj ET Q q 0 0 0 rg BT 431.19 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.04 604.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 462.58 604.10 Td (that ) Tj ET Q q 0 0 0 rg BT 480.77 604.10 Td (may ) Tj ET Q q 0 0 0 rg BT 500.07 604.10 Td (be ) Tj ET Q q 0 0 0 rg BT 511.58 604.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 543.10 604.10 Td (than ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.28 592.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 87.23 592.10 Td (related ) Tj ET Q q 0 0 0 rg BT 118.06 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.33 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 145.29 592.10 Td (other ) Tj ET Q q 0 0 0 rg BT 169.46 592.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 210.84 592.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 574.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 89.01 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 109.69 574.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 148.15 574.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 184.93 574.10 Td (non-owner) Tj ET Q q 0 0 0 rg BT 228.05 574.10 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 270.94 574.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 321.60 574.10 Td (real ) Tj ET Q q 0 0 0 rg BT 340.04 574.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 366.27 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.84 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 405.96 574.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 453.86 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.76 574.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 517.44 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 532.56 574.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 89.59 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 115.58 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 129.33 562.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 161.41 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 172.95 562.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 221.69 562.10 Td (properties. ) Tj ET Q q 0 0 0 rg BT 265.61 562.10 Td (These ) Tj ET Q q 0 0 0 rg BT 291.03 562.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.68 562.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 350.21 562.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 381.75 562.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 425.49 562.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 468.13 562.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 489.67 562.10 Td (income ) Tj ET Q q 0 0 0 rg BT 520.65 562.10 Td (generated, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.56 550.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 98.32 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.33 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 120.00 550.10 Td (generated, ) Tj ET Q q 0 0 0 rg BT 163.59 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 175.82 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.27 550.10 Td (property ) Tj ET Q q 0 0 0 rg BT 226.38 550.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 262.49 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.93 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 296.38 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.39 550.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 342.51 550.10 Td (suf) Tj ET Q q 0 0 0 rg BT 354.55 550.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 382.32 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.33 550.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 416.77 550.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 456.76 550.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 495.09 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.76 550.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 531.21 550.10 Td (service. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.49 538.10 Td (real ) Tj ET Q q 0 0 0 rg BT 118.54 538.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 143.37 538.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 166.54 538.10 Td (may ) Tj ET Q q 0 0 0 rg BT 185.83 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 197.33 538.10 Td (af) Tj ET Q q 0 0 0 rg BT 204.92 538.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 231.40 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.25 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 247.75 538.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 277.57 538.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 304.07 538.10 Td (than ) Tj ET Q q 0 0 0 rg BT 323.35 538.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 367.06 538.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.24 538.10 Td (by ) Tj ET Q q 0 0 0 rg BT 402.30 538.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 434.90 538.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 478.63 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 488.47 538.10 Td (real ) Tj ET Q q 0 0 0 rg BT 505.52 538.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 530.35 538.10 Td (markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.73 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.35 526.10 Td (economy ) Tj ET Q q 0 0 0 rg BT 117.41 526.10 Td (because ) Tj ET Q q 0 0 0 rg BT 152.46 526.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 203.06 526.10 Td (real ) Tj ET Q q 0 0 0 rg BT 221.45 526.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 247.62 526.10 Td (borrowers) Tj ET Q q 0 0 0 rg BT 290.75 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 294.15 526.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 323.11 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.29 526.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 359.90 526.10 Td (their ) Tj ET Q q 0 0 0 rg BT 381.63 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 406.14 526.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 442.31 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 455.71 526.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 500.21 526.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 531.94 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.68 526.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (properties, ) Tj ET Q q 0 0 0 rg BT 94.79 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.87 514.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 139.94 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.02 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.54 514.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 194.05 514.10 Td (af) Tj ET Q q 0 0 0 rg BT 201.64 514.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 231.71 514.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 275.66 514.10 Td (real ) Tj ET Q q 0 0 0 rg BT 292.95 514.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 318.01 514.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 363.19 514.10 Td (These ) Tj ET Q q 0 0 0 rg BT 389.37 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 412.78 514.10 Td (also ) Tj ET Q q 0 0 0 rg BT 431.19 514.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 463.49 514.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 493.54 514.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 510.85 514.10 Td (because ) Tj ET Q q 0 0 0 rg BT 544.79 514.10 Td (they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.57 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 104.14 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 119.28 502.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 140.53 502.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 186.21 502.10 Td (over ) Tj ET Q q 0 0 0 rg BT 206.34 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.92 502.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 240.50 502.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 270.91 502.10 Td (but ) Tj ET Q q 0 0 0 rg BT 286.05 502.10 Td (have ) Tj ET Q q 0 0 0 rg BT 307.29 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 314.10 502.10 Td (balloon ) Tj ET Q q 0 0 0 rg BT 346.46 502.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 383.25 502.10 Td (due ) Tj ET Q q 0 0 0 rg BT 400.05 502.10 Td (at ) Tj ET Q q 0 0 0 rg BT 409.63 502.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 442.87 502.10 Td (. ) Tj ET Q q 0 0 0 rg BT 447.21 502.10 Td (A) Tj ET Q q 0 0 0 rg BT 453.88 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.24 502.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 493.26 502.10 Td () Tj ET Q q 0 0 0 rg BT 496.04 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 502.30 502.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 530.21 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 540.35 502.10 Td (make ) 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 57.69 490.10 Td (balloon ) Tj ET Q q 0 0 0 rg BT 90.94 490.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 128.62 490.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 166.86 490.10 Td (will ) Tj ET Q q 0 0 0 rg BT 185.67 490.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 217.80 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 231.05 490.10 Td (being ) Tj ET Q q 0 0 0 rg BT 256.52 490.10 Td (able ) Tj ET Q q 0 0 0 rg BT 276.42 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.45 490.10 Td (either ) Tj ET Q q 0 0 0 rg BT 313.47 490.10 Td (refinance ) Tj ET Q q 0 0 0 rg BT 353.91 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.38 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 389.84 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 401.43 490.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 418.56 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.03 490.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 480.61 490.10 Td (property ) Tj ET Q q 0 0 0 rg BT 517.74 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 528.76 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 536.45 490.10 Td (timely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (manner) Tj ET Q q 0 0 0 rg BT 79.43 478.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 460.10 Td (These ) Tj ET Q q 0 0 0 rg BT 96.16 460.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.55 460.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 149.59 460.10 Td (a ) Tj ET Q q 0 0 0 rg BT 156.31 460.10 Td (lender ) Tj ET Q q 0 0 0 rg BT 183.58 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.64 460.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 223.67 460.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.72 460.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 266.00 460.10 Td (than ) Tj ET Q q 0 0 0 rg BT 285.49 460.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 308.88 460.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 341.70 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 353.98 460.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 397.91 460.10 Td (real ) Tj ET Q q 0 0 0 rg BT 415.18 460.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 440.22 460.10 Td (because ) Tj ET Q q 0 0 0 rg BT 474.15 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.64 460.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 528.12 460.10 Td (securing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.46 448.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 97.48 448.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 135.38 448.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 164.94 448.10 Td (be ) Tj ET Q q 0 0 0 rg BT 177.29 448.10 Td (liquidated ) Tj ET Q q 0 0 0 rg BT 220.19 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 231.43 448.10 Td (easily ) Tj ET Q q 0 0 0 rg BT 257.67 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.91 448.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 313.47 448.10 Td (real ) Tj ET Q q 0 0 0 rg BT 331.36 448.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 359.54 448.10 Td (Non-owner) Tj ET Q q 0 0 0 rg BT 404.88 448.10 Td (-occupied ) Tj ET Q q 0 0 0 rg BT 447.21 448.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 497.32 448.10 Td (real ) Tj ET Q q 0 0 0 rg BT 515.21 448.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 540.89 448.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.81 436.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 122.42 436.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 162.78 436.10 Td (lar) Tj ET Q q 0 0 0 rg BT 173.15 436.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 185.20 436.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 222.23 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 232.62 436.10 Td (single ) Tj ET Q q 0 0 0 rg BT 259.11 436.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 302.26 436.10 Td (or ) Tj ET Q q 0 0 0 rg BT 313.20 436.10 Td (related ) Tj ET Q q 0 0 0 rg BT 343.01 436.10 Td (groups ) Tj ET Q q 0 0 0 rg BT 372.84 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.78 436.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 428.86 436.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 478.19 436.10 Td (, ) Tj ET Q q 0 0 0 rg BT 483.30 436.10 Td (char) Tj ET Q q 0 0 0 rg BT 500.33 436.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 521.25 436.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 531.08 436.10 Td (on ) Tj ET Q q 0 0 0 rg BT 543.69 436.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 76.85 424.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 114.80 424.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 163.86 424.10 Td (real ) Tj ET Q q 0 0 0 rg BT 180.70 424.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 205.33 424.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 228.29 424.10 Td (may ) Tj ET Q q 0 0 0 rg BT 247.37 424.10 Td (be ) Tj ET Q q 0 0 0 rg BT 258.67 424.10 Td (lar) Tj ET Q q 0 0 0 rg BT 269.04 424.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 283.66 424.10 Td (on ) Tj ET Q q 0 0 0 rg BT 295.52 424.10 Td (a ) Tj ET Q q 0 0 0 rg BT 301.82 424.10 Td (per ) Tj ET Q q 0 0 0 rg BT 316.45 424.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 335.52 424.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 357.38 424.10 Td (than ) Tj ET Q q 0 0 0 rg BT 376.46 424.10 Td (those ) Tj ET Q q 0 0 0 rg BT 399.43 424.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 434.60 424.10 Td (with ) Tj ET Q q 0 0 0 rg BT 454.24 424.10 Td (our ) Tj ET Q q 0 0 0 rg BT 469.43 424.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 512.94 424.10 Td (or ) Tj ET Q q 0 0 0 rg BT 523.13 424.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.72 412.10 Td (portfolios.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 394.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 122.49 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.66 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 161.93 394.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 199.98 394.10 Td (based ) Tj ET Q q 0 0 0 rg BT 225.81 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 238.87 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.15 394.10 Td (borrowers) Tj ET Q q 0 0 0 rg BT 297.28 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 300.34 394.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 328.96 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.79 394.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 365.06 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.34 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 404.51 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 427.01 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.29 394.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 463.12 394.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 484.51 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.90 394.10 Td (their ) Tj ET Q q 0 0 0 rg BT 517.29 394.10 Td (businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.29 382.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 99.81 382.10 Td (may ) Tj ET Q q 0 0 0 rg BT 119.45 382.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 151.86 382.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 182.02 382.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 199.44 382.10 Td (because ) Tj ET Q q 0 0 0 rg BT 233.50 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.13 382.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 295.53 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.27 382.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 330.91 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.10 382.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 365.73 382.10 Td (each ) Tj ET Q q 0 0 0 rg BT 386.46 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 406.09 382.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 441.27 382.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 494.24 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 506.65 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.28 382.10 Td (success ) Tj ET Q q 0 0 0 rg BT 553.69 382.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.58 370.10 Td (business ) Tj ET Q q 0 0 0 rg BT 102.83 370.10 Td (itself. ) Tj ET Q q 0 0 0 rg BT 128.69 370.10 Td (In ) Tj ET Q q 0 0 0 rg BT 140.39 370.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 179.02 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.60 370.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 221.30 370.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 258.54 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.12 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 298.59 370.10 Td (have ) Tj ET Q q 0 0 0 rg BT 320.83 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.41 370.10 Td (following ) Tj ET Q q 0 0 0 rg BT 378.66 370.10 Td (characteristics: ) Tj ET Q q 0 0 0 rg BT 441.99 370.10 Td (\(a\)they ) Tj ET Q q 0 0 0 rg BT 476.17 370.10 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 520.61 370.10 Td (over ) Tj ET Q q 0 0 0 rg BT 541.74 370.10 Td (time, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (\(b\)they ) Tj ET Q q 0 0 0 rg BT 83.88 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 98.58 358.10 Td (dif) Tj ET Q q 0 0 0 rg BT 109.51 358.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 133.12 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 143.39 358.10 Td (appraise ) Tj ET Q q 0 0 0 rg BT 179.21 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.15 358.10 Td (liquidate, ) Tj ET Q q 0 0 0 rg BT 236.14 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.08 358.10 Td (\(c\)they ) Tj ET Q q 0 0 0 rg BT 286.39 358.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 323.87 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.15 358.10 Td (value ) Tj ET Q q 0 0 0 rg BT 358.31 358.10 Td (based ) Tj ET Q q 0 0 0 rg BT 383.57 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 396.07 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.79 358.10 Td (success ) Tj ET Q q 0 0 0 rg BT 443.28 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.11 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.83 358.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 91.03 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.06 340.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 120.31 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 133.01 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 140.14 340.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 192.27 340.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 212.18 340.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 247.64 340.10 Td (lar) Tj ET Q q 0 0 0 rg BT 258.01 340.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 277.92 340.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 300.62 340.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 335.52 340.10 Td (our ) Tj ET Q q 0 0 0 rg BT 351.54 340.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 377.57 340.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 413.58 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.60 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.52 340.10 Td (property) Tj ET Q q 0 0 0 rg BT 476.17 340.10 Td (s ) Tj ET Q q 0 0 0 rg BT 482.76 340.10 Td (value ) Tj ET Q q 0 0 0 rg BT 507.11 340.10 Td (at ) Tj ET Q q 0 0 0 rg BT 517.02 340.10 Td (completion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.86 328.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 112.82 328.10 Td (equals ) Tj ET Q q 0 0 0 rg BT 140.90 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 151.76 328.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 185.93 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.68 328.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 219.32 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.18 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.92 328.10 Td (property ) Tj ET Q q 0 0 0 rg BT 281.33 328.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 333.29 328.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 376.92 328.10 Td (interest\), ) Tj ET Q q 0 0 0 rg BT 414.72 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.46 328.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 476.98 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.84 328.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 532.57 328.10 Td (takeout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 92.32 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.59 316.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 153.64 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.03 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.30 316.10 Td (project ) Tj ET Q q 0 0 0 rg BT 208.12 316.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 235.73 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.00 316.10 Td (builder) Tj ET Q q 0 0 0 rg BT 278.70 316.10 Td () Tj ET Q q 0 0 0 rg BT 281.48 316.10 Td (s ) Tj ET Q q 0 0 0 rg BT 287.43 316.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 315.03 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.87 316.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 367.47 316.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 389.52 316.10 Td (or ) Tj ET Q q 0 0 0 rg BT 399.90 316.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 415.85 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.12 316.10 Td (property) Tj ET Q q 0 0 0 rg BT 463.35 316.10 Td (. ) Tj ET Q q 0 0 0 rg BT 467.91 316.10 Td (During ) Tj ET Q q 0 0 0 rg BT 498.29 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.57 316.10 Td (construction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (phase, ) Tj ET Q q 0 0 0 rg BT 77.26 304.10 Td (a ) Tj ET Q q 0 0 0 rg BT 83.70 304.10 Td (number ) Tj ET Q q 0 0 0 rg BT 116.24 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.56 304.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 155.76 304.10 Td (can ) Tj ET Q q 0 0 0 rg BT 171.64 304.10 Td (result ) Tj ET Q q 0 0 0 rg BT 195.85 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.62 304.10 Td (delays ) Tj ET Q q 0 0 0 rg BT 233.16 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.59 304.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 267.70 304.10 Td (overruns. ) Tj ET Q q 0 0 0 rg BT 307.18 304.10 Td (If ) Tj ET Q q 0 0 0 rg BT 315.84 304.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 355.04 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.37 304.10 Td (value ) Tj ET Q q 0 0 0 rg BT 389.02 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 403.22 304.10 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 446.29 304.10 Td (or ) Tj ET Q q 0 0 0 rg BT 456.62 304.10 Td (if ) Tj ET Q q 0 0 0 rg BT 464.72 304.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 490.59 304.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 542.02 304.10 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 79.68 292.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 121.31 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.45 292.10 Td (value ) Tj ET Q q 0 0 0 rg BT 159.03 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.28 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.42 292.10 Td (property ) Tj ET Q q 0 0 0 rg BT 219.22 292.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 255.02 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.16 292.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 288.30 292.10 Td (may ) Tj ET Q q 0 0 0 rg BT 307.44 292.10 Td (be ) Tj ET Q q 0 0 0 rg BT 318.80 292.10 Td (insuf) Tj ET Q q 0 0 0 rg BT 338.62 292.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 366.09 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.79 292.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 403.81 292.10 Td (full ) Tj ET Q q 0 0 0 rg BT 419.62 292.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 463.74 292.10 Td (when ) Tj ET Q q 0 0 0 rg BT 487.33 292.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 530.90 292.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 280.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 101.64 280.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 121.36 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 132.19 280.10 Td (by ) Tj ET Q q 0 0 0 rg BT 144.69 280.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 162.73 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.56 280.10 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 262.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.36 262.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 145.33 262.10 Td (review ) Tj ET Q q 0 0 0 rg BT 175.34 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.59 262.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 239.84 262.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 269.31 262.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 309.32 262.10 Td (all ) Tj ET Q q 0 0 0 rg BT 322.13 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.27 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.29 262.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 369.99 262.10 Td (related ) Tj ET Q q 0 0 0 rg BT 400.00 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.59 262.10 Td (these ) Tj ET Q q 0 0 0 rg BT 433.95 262.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 460.36 262.10 Td (Unexpected ) Tj ET Q q 0 0 0 rg BT 510.93 262.10 Td (deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.48 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.41 250.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 97.88 250.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 127.36 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.40 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 152.43 250.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 201.34 250.10 Td (real ) Tj ET Q q 0 0 0 rg BT 218.03 250.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 242.50 250.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 263.92 250.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 312.82 250.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 331.75 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 341.78 250.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 392.92 250.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 411.85 250.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 452.44 250.10 Td (would ) Tj ET Q q 0 0 0 rg BT 479.15 250.10 Td (require ) Tj ET Q q 0 0 0 rg BT 509.17 250.10 Td (us ) Tj ET Q q 0 0 0 rg BT 519.77 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.25 250.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.64 238.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.73 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.70 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.22 238.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 172.92 238.10 Td (which ) Tj ET Q q 0 0 0 rg BT 200.67 238.10 Td (would ) Tj ET Q q 0 0 0 rg BT 228.98 238.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 258.94 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 275.58 238.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 326.66 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.40 238.10 Td (could ) Tj ET Q q 0 0 0 rg BT 369.93 238.10 Td (have ) Tj ET Q q 0 0 0 rg BT 392.12 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 399.86 238.10 Td (material ) Tj ET Q q 0 0 0 rg BT 435.93 238.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 469.78 238.10 Td (ef) Tj ET Q q 0 0 0 rg BT 477.37 238.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 495.66 238.10 Td (on ) Tj ET Q q 0 0 0 rg BT 508.97 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.61 238.10 Td (business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 226.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 130.25 226.10 Td (results ) Tj ET Q q 0 0 0 rg BT 158.86 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.69 226.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 213.85 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.79 226.10 Td (future ) Tj ET Q q 0 0 0 rg BT 257.16 226.10 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Lack ) Tj ET Q q 0 0 0 rg BT 73.05 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.88 208.10 Td (seasoning ) Tj ET Q q 0 0 0 rg BT 127.50 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.33 208.10 Td (our ) Tj ET Q q 0 0 0 rg BT 155.28 208.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 176.12 208.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 214.18 208.10 Td (could ) Tj ET Q q 0 0 0 rg BT 239.46 208.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 276.40 208.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 294.46 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.29 208.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 331.11 208.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 366.39 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 377.23 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.51 208.10 Td (future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 190.10 Td (As ) Tj ET Q q 0 0 0 rg BT 82.61 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.55 190.10 Td (result ) Tj ET Q q 0 0 0 rg BT 112.27 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.10 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 136.94 190.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 166.77 190.10 Td (over ) Tj ET Q q 0 0 0 rg BT 186.04 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.76 190.10 Td (past ) Tj ET Q q 0 0 0 rg BT 217.37 190.10 Td (recentyears, ) Tj ET Q q 0 0 0 rg BT 269.39 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.33 190.10 Td (lar) Tj ET Q q 0 0 0 rg BT 285.70 190.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 296.64 190.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 327.02 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.86 190.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 359.47 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.75 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.58 190.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 402.29 190.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 438.79 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.73 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.56 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 479.39 190.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 510.89 190.10 Td (relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.73 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 75.58 178.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 115.87 178.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 142.81 178.10 Td (origin. ) Tj ET Q q 0 0 0 rg BT 171.72 178.10 Td (In ) Tj ET Q q 0 0 0 rg BT 182.58 178.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 217.02 178.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 240.66 178.10 Td (do ) Tj ET Q q 0 0 0 rg BT 253.18 178.10 Td (not ) Tj ET Q q 0 0 0 rg BT 268.48 178.10 Td (begin ) Tj ET Q q 0 0 0 rg BT 293.22 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.52 178.10 Td (show ) Tj ET Q q 0 0 0 rg BT 327.16 178.10 Td (signs ) Tj ET Q q 0 0 0 rg BT 350.25 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.10 178.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 386.39 178.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 440.00 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 450.85 178.10 Td (default ) Tj ET Q q 0 0 0 rg BT 481.14 178.10 Td (until ) Tj ET Q q 0 0 0 rg BT 502.00 178.10 Td (they ) Tj ET Q q 0 0 0 rg BT 521.74 178.10 Td (have ) Tj ET Q q 0 0 0 rg BT 543.14 178.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 98.64 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.27 166.10 Td (some ) Tj ET Q q 0 0 0 rg BT 135.36 166.10 Td (period ) Tj ET Q q 0 0 0 rg BT 162.88 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.18 166.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 195.43 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 201.84 166.10 Td (process ) Tj ET Q q 0 0 0 rg BT 233.81 166.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 267.42 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.17 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 287.47 166.10 Td (seasoning. ) Tj ET Q q 0 0 0 rg BT 339.83 166.10 Td (As ) Tj ET Q q 0 0 0 rg BT 352.91 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 359.33 166.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 386.02 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 392.43 166.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 429.40 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.70 166.10 Td (older ) Tj ET Q q 0 0 0 rg BT 462.22 166.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 485.31 166.10 Td (will ) Tj ET Q q 0 0 0 rg BT 502.84 166.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 533.70 166.10 Td (behave ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (more ) Tj ET Q q 0 0 0 rg BT 72.23 154.10 Td (predictably ) Tj ET Q q 0 0 0 rg BT 118.89 154.10 Td (than ) Tj ET Q q 0 0 0 rg BT 137.78 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 143.90 154.10 Td (newer ) Tj ET Q q 0 0 0 rg BT 170.01 154.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 209.18 154.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 244.18 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.30 154.10 Td (lar) Tj ET Q q 0 0 0 rg BT 260.66 154.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 271.78 154.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 302.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 312.36 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 327.37 154.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 364.04 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 372.39 154.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 411.83 154.10 Td (new) Tj ET Q q 0 0 0 rg BT 427.84 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 432.02 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.92 154.10 Td (current ) Tj ET Q q 0 0 0 rg BT 475.91 154.10 Td (level ) Tj ET Q q 0 0 0 rg BT 497.03 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.04 154.10 Td (delinquencies ) 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 66.81 142.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 100.84 142.10 Td (may ) Tj ET Q q 0 0 0 rg BT 120.43 142.10 Td (not ) Tj ET Q q 0 0 0 rg BT 135.58 142.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 174.59 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.18 142.10 Td (level ) Tj ET Q q 0 0 0 rg BT 210.99 142.10 Td (that ) Tj ET Q q 0 0 0 rg BT 228.36 142.10 Td (may ) Tj ET Q q 0 0 0 rg BT 247.95 142.10 Td (prevail ) Tj ET Q q 0 0 0 rg BT 278.08 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 288.78 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.37 142.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 340.74 142.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 378.10 142.10 Td (more ) Tj ET Q q 0 0 0 rg BT 401.02 142.10 Td (seasoned ) Tj ET Q q 0 0 0 rg BT 439.49 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.30 142.10 Td (may ) Tj ET Q q 0 0 0 rg BT 475.89 142.10 Td (not ) Tj ET Q q 0 0 0 rg BT 491.04 142.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 514.51 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 525.21 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 532.02 142.10 Td (reliable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.39 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 86.44 130.10 Td (predicting ) Tj ET Q q 0 0 0 rg BT 129.37 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.98 130.10 Td (health ) Tj ET Q q 0 0 0 rg BT 170.80 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.63 130.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 215.01 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.73 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 241.45 130.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.05 130.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 300.94 130.10 Td (including ) Tj ET Q q 0 0 0 rg BT 341.10 130.10 Td (net ) Tj ET Q q 0 0 0 rg BT 355.71 130.10 Td (char) Tj ET Q q 0 0 0 rg BT 372.74 130.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 393.65 130.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 403.27 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.10 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.70 130.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 455.42 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.14 130.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 528.51 130.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 554.23 130.10 Td (in ) 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 64.81 118.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 93.78 118.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 111.92 118.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 142.85 118.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 188.74 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 209.11 118.10 Td (these ) Tj ET Q q 0 0 0 rg BT 232.25 118.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 255.95 118.10 Td (does ) Tj ET Q q 0 0 0 rg BT 276.88 118.10 Td (not ) Tj ET Q q 0 0 0 rg BT 292.25 118.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 325.39 118.10 Td (us ) Tj ET Q q 0 0 0 rg BT 336.87 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 357.24 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.27 118.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 409.08 118.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 446.10 118.10 Td (history ) Tj ET Q q 0 0 0 rg BT 476.47 118.10 Td (pattern ) Tj ET Q q 0 0 0 rg BT 506.83 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 527.20 118.10 Td (which ) Tj ET Q q 0 0 0 rg BT 554.23 118.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (judge ) Tj ET Q q 0 0 0 rg BT 73.91 106.10 Td (future ) Tj ET Q q 0 0 0 rg BT 99.49 106.10 Td (collectability) Tj ET Q q 0 0 0 rg BT 151.04 106.10 Td (. ) Tj ET Q q 0 0 0 rg BT 154.86 106.10 Td (As ) Tj ET Q q 0 0 0 rg BT 167.67 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.81 106.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 200.22 106.10 Td (it ) Tj ET Q q 0 0 0 rg BT 207.47 106.10 Td (may ) Tj ET Q q 0 0 0 rg BT 226.39 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 237.52 106.10 Td (dif) Tj ET Q q 0 0 0 rg BT 248.45 106.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 271.25 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.73 106.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 310.19 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.10 106.10 Td (future ) Tj ET Q q 0 0 0 rg BT 349.67 106.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 401.89 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.92 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 426.95 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 445.86 106.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 485.05 106.10 Td (If ) Tj ET Q q 0 0 0 rg BT 493.41 106.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 526.76 106.10 Td (increase, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.87 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 90.29 94.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 136.80 94.10 Td (an ) Tj ET Q q 0 0 0 rg BT 149.44 94.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 185.41 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.39 94.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 254.58 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.22 94.10 Td (char) Tj ET Q q 0 0 0 rg BT 289.25 94.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 310.17 94.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 320.60 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.24 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 353.11 94.10 Td (may ) Tj ET Q q 0 0 0 rg BT 373.53 94.10 Td (be ) Tj ET Q q 0 0 0 rg BT 386.18 94.10 Td (required ) Tj ET Q q 0 0 0 rg BT 422.70 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.69 94.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 469.65 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 486.18 94.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 529.92 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 544.79 94.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 78.89 82.10 Td (which ) Tj ET Q q 0 0 0 rg BT 105.83 82.10 Td (could ) Tj ET Q q 0 0 0 rg BT 130.55 82.10 Td (have ) Tj ET Q q 0 0 0 rg BT 151.92 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.86 82.10 Td (material ) Tj ET Q q 0 0 0 rg BT 194.12 82.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 227.16 82.10 Td (ef) Tj ET Q q 0 0 0 rg BT 234.75 82.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 252.23 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 264.73 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 280.56 82.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 319.45 82.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.93 82.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 399.71 82.10 Td (results ) Tj ET Q q 0 0 0 rg BT 428.32 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.15 82.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 483.30 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.24 82.10 Td (prospects.) 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 (20) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.12 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 58.62 742.25 Td (prolonged ) Tj ET Q q 0 0 0 rg BT 102.79 742.25 Td (downturn ) Tj ET Q q 0 0 0 rg BT 145.31 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 156.15 742.25 Td (the ) Tj ET Q q 0 0 0 rg BT 171.43 742.25 Td (real ) Tj ET Q q 0 0 0 rg BT 190.04 742.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 215.86 742.25 Td (market ) Tj ET Q q 0 0 0 rg BT 247.25 742.25 Td (could ) Tj ET Q q 0 0 0 rg BT 272.53 742.25 Td (result ) Tj ET Q q 0 0 0 rg BT 298.37 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.21 742.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 335.60 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 353.66 742.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 394.48 742.25 Td (af) Tj ET Q q 0 0 0 rg BT 402.63 742.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 420.11 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 437.07 742.25 Td (profitability) Tj ET Q q 0 0 0 rg BT 485.02 742.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (As ) Tj ET Q q 0 0 0 rg BT 83.76 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.74 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 153.48 724.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 178.63 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.50 724.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 230.03 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 241.01 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 256.99 724.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 276.86 724.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 314.50 724.25 Td (was ) Tj ET Q q 0 0 0 rg BT 332.70 724.25 Td (composed ) Tj ET Q q 0 0 0 rg BT 375.90 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.88 724.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 436.73 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.82 724.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 495.35 724.25 Td (real ) Tj ET Q q 0 0 0 rg BT 512.98 724.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 538.40 724.25 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (The ) Tj 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q 0 0 0 rg BT 74.26 526.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 106.11 526.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 140.17 526.25 Td (Board. ) Tj ET Q q 0 0 0 rg BT 168.97 526.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 205.26 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 214.90 526.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 254.52 526.25 Td (policy) Tj ET Q q 0 0 0 rg BT 278.87 526.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.23 526.25 Td (including ) Tj ET Q q 0 0 0 rg BT 322.86 526.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 356.92 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 366.56 526.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 397.85 526.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 421.08 526.25 Td (could ) Tj ET Q q 0 0 0 rg BT 445.16 526.25 Td (influence ) Tj ET Q q 0 0 0 rg BT 484.22 526.25 Td (not ) Tj ET Q q 0 0 0 rg BT 498.85 526.25 Td (only ) Tj ET Q q 0 0 0 rg BT 518.49 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.57 526.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (we ) Tj ET Q q 0 0 0 rg BT 64.67 514.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 96.54 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 109.55 514.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 133.66 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.11 514.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 191.88 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.33 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 224.55 514.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 256.99 514.25 Td (we ) Tj ET Q q 0 0 0 rg BT 271.66 514.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 289.11 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 302.11 514.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 337.90 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 355.35 514.25 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 406.41 514.25 Td (but ) Tj ET Q q 0 0 0 rg BT 422.19 514.25 Td (such ) Tj ET Q q 0 0 0 rg BT 443.53 514.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 478.75 514.25 Td (could ) Tj ET Q q 0 0 0 rg BT 503.97 514.25 Td (also ) Tj ET Q q 0 0 0 rg BT 523.09 514.25 Td (af) Tj ET Q q 0 0 0 rg BT 530.67 514.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 548.67 514.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.06 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 88.35 502.25 Td (originate ) Tj ET Q q 0 0 0 rg BT 126.40 502.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 150.02 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.97 502.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 194.47 502.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 232.26 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.99 502.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 263.37 502.25 Td (value ) Tj ET Q q 0 0 0 rg BT 287.54 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.38 502.25 Td (our ) Tj ET Q q 0 0 0 rg BT 314.22 502.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 351.71 502.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 377.55 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.50 502.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 436.72 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.67 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.40 502.25 Td (average ) Tj ET Q q 0 0 0 rg BT 501.99 502.25 Td (duration ) Tj ET Q q 0 0 0 rg BT 537.83 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 502.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 78.29 490.25 Td (If ) Tj ET Q q 0 0 0 rg BT 87.41 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 102.09 490.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 133.98 490.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 155.32 490.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 175.00 490.25 Td (on ) Tj ET Q q 0 0 0 rg BT 187.46 490.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 222.70 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 239.60 490.25 Td (other ) Tj ET Q q 0 0 0 rg BT 262.61 490.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 310.62 490.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 345.83 490.25 Td (at ) Tj ET Q q 0 0 0 rg BT 355.51 490.25 Td (a ) Tj ET Q q 0 0 0 rg BT 362.41 490.25 Td (faster ) Tj ET Q q 0 0 0 rg BT 387.08 490.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 404.53 490.25 Td (than ) Tj ET Q q 0 0 0 rg BT 424.20 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.88 490.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 470.78 490.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 492.11 490.25 Td (received ) Tj ET Q q 0 0 0 rg BT 528.44 490.25 Td (on ) Tj ET Q q 0 0 0 rg BT 540.90 490.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.31 478.25 Td (other ) Tj ET Q q 0 0 0 rg BT 88.73 478.25 Td (investments, ) Tj ET Q q 0 0 0 rg BT 140.88 478.25 Td (our ) Tj ET Q q 0 0 0 rg BT 156.08 478.25 Td (net ) Tj ET Q q 0 0 0 rg BT 170.17 478.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 201.47 478.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 235.28 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 251.59 478.25 Td (therefore ) Tj ET Q q 0 0 0 rg BT 289.55 478.25 Td (net ) Tj ET Q q 0 0 0 rg BT 303.64 478.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 337.44 478.25 Td (could ) Tj ET Q q 0 0 0 rg BT 361.53 478.25 Td (be ) Tj ET Q q 0 0 0 rg BT 372.84 478.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 413.03 478.25 Td (af) Tj ET Q q 0 0 0 rg BT 420.62 478.25 Td (fected. ) Tj ET Q q 0 0 0 rg BT 449.00 478.25 Td (A) Tj ET Q q 0 0 0 rg BT 455.67 478.25 Td ( ) Tj ET Q q 0 0 0 rg BT 457.55 478.25 Td (continuation ) Tj ET Q q 0 0 0 rg BT 509.41 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 519.61 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 533.70 478.25 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 75.15 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 85.30 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 116.56 466.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 137.26 466.25 Td (could ) Tj ET Q q 0 0 0 rg BT 161.30 466.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 185.33 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.37 466.25 Td (spread ) Tj ET Q q 0 0 0 rg BT 227.29 466.25 Td (between ) Tj ET Q q 0 0 0 rg BT 262.43 466.25 Td (our ) Tj ET Q q 0 0 0 rg BT 277.59 466.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 296.63 466.25 Td (yields ) Tj ET Q q 0 0 0 rg BT 322.34 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 338.60 466.25 Td (our ) Tj ET Q q 0 0 0 rg BT 353.75 466.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 384.47 466.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 405.17 466.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 424.21 466.25 Td (to ) Tj ET Q q 0 0 0 rg BT 433.81 466.25 Td (compress ) Tj ET Q q 0 0 0 rg BT 473.40 466.25 Td (our ) Tj ET Q q 0 0 0 rg BT 488.55 466.25 Td (net ) Tj ET Q q 0 0 0 rg BT 502.60 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 533.85 466.25 Td (mar) Tj ET Q q 0 0 0 rg BT 549.22 466.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.15 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 83.19 454.25 Td (net ) Tj ET Q q 0 0 0 rg BT 98.12 454.25 Td (income ) Tj ET Q q 0 0 0 rg BT 130.27 454.25 Td (could ) Tj ET Q q 0 0 0 rg BT 155.20 454.25 Td (be ) Tj ET Q q 0 0 0 rg BT 167.35 454.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 208.38 454.25 Td (af) Tj ET Q q 0 0 0 rg BT 215.96 454.25 Td (fected. ) Tj ET Q q 0 0 0 rg BT 245.60 454.25 Td (Further) Tj ET Q q 0 0 0 rg BT 274.64 454.25 Td (, ) Tj ET Q q 0 0 0 rg BT 279.85 454.25 Td (any ) Tj ET Q q 0 0 0 rg BT 297.00 454.25 Td (substantial, ) Tj ET Q q 0 0 0 rg BT 344.99 454.25 Td (unexpected, ) Tj ET Q q 0 0 0 rg BT 395.73 454.25 Td (prolonged ) Tj ET Q q 0 0 0 rg BT 438.99 454.25 Td (change ) Tj ET Q q 0 0 0 rg BT 470.02 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.51 454.25 Td (market ) Tj ET Q q 0 0 0 rg BT 510.99 454.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 543.13 454.25 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 442.25 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 442.25 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 442.25 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 442.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 171.33 442.25 Td (ef) Tj ET Q q 0 0 0 rg BT 178.92 442.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 196.40 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 208.90 442.25 Td (our ) Tj ET Q q 0 0 0 rg BT 224.73 442.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 263.62 442.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 301.10 442.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 343.88 442.25 Td (results ) Tj ET Q q 0 0 0 rg BT 372.49 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.32 442.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 427.47 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.41 442.25 Td (future ) Tj ET Q q 0 0 0 rg BT 470.79 442.25 Td (prospects.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 424.25 Td (In ) Tj ET Q q 0 0 0 rg BT 80.48 424.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 117.91 424.25 Td (an ) Tj ET Q q 0 0 0 rg BT 129.50 424.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 164.41 424.25 Td (in ) Tj ET Q q 0 0 0 rg BT 174.34 424.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 205.93 424.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 226.96 424.25 Td (could ) Tj ET Q q 0 0 0 rg BT 251.33 424.25 Td (also ) Tj ET Q q 0 0 0 rg BT 269.59 424.25 Td (have ) Tj ET Q q 0 0 0 rg BT 290.62 424.25 Td (a ) Tj ET Q q 0 0 0 rg BT 297.21 424.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 333.24 424.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 362.60 424.25 Td (on ) Tj ET Q q 0 0 0 rg BT 374.76 424.25 Td (our ) Tj ET Q q 0 0 0 rg BT 390.24 424.25 Td (results ) Tj ET Q q 0 0 0 rg BT 418.50 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 428.98 424.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 472.79 424.25 Td (by ) Tj ET Q q 0 0 0 rg BT 484.95 424.25 Td (reducing ) Tj ET Q q 0 0 0 rg BT 522.08 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 424.25 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 62.46 412.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 107.13 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 119.04 412.25 Td (repay ) Tj ET Q q 0 0 0 rg BT 145.38 412.25 Td (their ) Tj ET Q q 0 0 0 rg BT 167.84 412.25 Td (current ) Tj ET Q q 0 0 0 rg BT 200.28 412.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 221.63 412.25 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 272.41 412.25 Td (These ) Tj ET Q q 0 0 0 rg BT 300.41 412.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 361.19 412.25 Td (could ) Tj ET Q q 0 0 0 rg BT 387.53 412.25 Td (not ) Tj ET Q q 0 0 0 rg BT 404.44 412.25 Td (only ) Tj ET Q q 0 0 0 rg BT 426.35 412.25 Td (result ) Tj ET Q q 0 0 0 rg BT 452.70 412.25 Td (in ) Tj ET Q q 0 0 0 rg BT 464.61 412.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 506.49 412.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.84 412.25 Td (defaults, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (foreclosures ) Tj ET Q q 0 0 0 rg BT 101.58 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 118.72 400.25 Td (char) Tj ET Q q 0 0 0 rg BT 135.75 400.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 156.67 400.25 Td (fs, ) Tj ET Q q 0 0 0 rg BT 169.10 400.25 Td (but ) Tj ET Q q 0 0 0 rg BT 184.59 400.25 Td (also ) Tj ET Q q 0 0 0 rg BT 203.40 400.25 Td (necessitate ) Tj ET Q q 0 0 0 rg BT 249.42 400.25 Td (further ) Tj ET Q q 0 0 0 rg BT 279.34 400.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 318.69 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 329.18 400.25 Td (our ) Tj ET Q q 0 0 0 rg BT 345.22 400.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 388.46 400.25 Td (for ) Tj ET Q q 0 0 0 rg BT 402.83 400.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 422.76 400.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 451.86 400.25 Td (each ) Tj ET Q q 0 0 0 rg BT 472.88 400.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.92 400.25 Td (which ) Tj ET Q q 0 0 0 rg BT 511.07 400.25 Td (could ) Tj ET Q q 0 0 0 rg BT 535.99 400.25 Td (have ) Tj ET Q q 0 0 0 rg BT 557.58 400.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 388.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 118.30 388.25 Td (ef) Tj ET Q q 0 0 0 rg BT 125.88 388.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 143.37 388.25 Td (on ) Tj ET Q q 0 0 0 rg BT 155.87 388.25 Td (our ) Tj ET Q q 0 0 0 rg BT 171.70 388.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 210.59 388.25 Td (results ) Tj ET Q q 0 0 0 rg BT 239.20 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.03 388.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 296.68 388.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 334.17 388.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 374.44 388.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.38 388.25 Td (future ) Tj ET Q q 0 0 0 rg BT 417.75 388.25 Td (prospects.) Tj ET Q BT /F4 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 68.85 370.25 Td (business ) Tj ET Q q 0 0 0 rg BT 106.04 370.25 Td (is ) Tj ET Q q 0 0 0 rg BT 114.89 370.25 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 170.39 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 180.90 370.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 219.74 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.48 370.25 Td (New ) Tj ET Q q 0 0 0 rg BT 257.98 370.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 287.38 370.25 Td (Counties, ) Tj ET Q q 0 0 0 rg BT 328.73 370.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 380.91 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 398.65 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.60 370.25 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 467.48 370.25 Td (areas, ) Tj ET Q q 0 0 0 rg BT 494.37 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.11 370.25 Td (we ) Tj ET Q q 0 0 0 rg BT 525.39 370.25 Td (are ) Tj ET Q q 0 0 0 rg BT 540.90 370.25 Td (more ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 87.50 358.25 Td (than ) Tj ET Q q 0 0 0 rg BT 108.90 358.25 Td (our ) Tj ET Q q 0 0 0 rg BT 125.85 358.25 Td (more ) Tj ET Q q 0 0 0 rg BT 149.46 358.25 Td (geographically ) Tj ET Q q 0 0 0 rg BT 213.06 358.25 Td (diversified ) Tj ET Q q 0 0 0 rg BT 258.33 358.25 Td (competitors ) Tj ET Q q 0 0 0 rg BT 308.60 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 318.88 358.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 352.48 358.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 388.87 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 399.71 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.99 358.25 Td (local ) Tj ET Q q 0 0 0 rg BT 437.48 358.25 Td (economy) Tj ET Q q 0 0 0 rg BT 473.76 358.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 340.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.73 340.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 120.03 340.25 Td (a ) Tj ET Q q 0 0 0 rg BT 127.12 340.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 163.65 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.63 340.25 Td (our ) Tj ET Q q 0 0 0 rg BT 190.61 340.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 234.91 340.25 Td (in ) Tj ET Q q 0 0 0 rg BT 245.34 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.20 340.25 Td (New ) Tj ET Q q 0 0 0 rg BT 281.34 340.25 Td (Y) Tj ET Q q 0 0 0 rg BT 287.56 340.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 303.54 340.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 357.29 340.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 379.08 340.25 Td (including ) Tj ET Q q 0 0 0 rg BT 419.50 340.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 456.59 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.67 340.25 Td (New ) Tj ET Q q 0 0 0 rg BT 495.21 340.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 523.95 340.25 Td (Counties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 102.21 328.25 Td (A) Tj ET Q q 0 0 0 rg BT 108.88 328.25 Td ( ) Tj ET Q q 0 0 0 rg BT 110.66 328.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 146.33 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 156.44 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.44 328.25 Td (real ) Tj ET Q q 0 0 0 rg BT 187.21 328.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 211.76 328.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 234.65 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 244.21 328.25 Td (our ) Tj ET Q q 0 0 0 rg BT 259.33 328.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 278.33 328.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 315.11 328.25 Td (are ) Tj ET Q q 0 0 0 rg BT 329.10 328.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 361.42 328.25 Td (by ) Tj ET Q q 0 0 0 rg BT 373.20 328.25 Td (properties ) Tj ET Q q 0 0 0 rg BT 414.97 328.25 Td (located ) Tj ET Q q 0 0 0 rg BT 445.63 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 455.19 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.19 328.25 Td (New ) Tj ET Q q 0 0 0 rg BT 489.59 328.25 Td (Y) Tj ET Q q 0 0 0 rg BT 495.81 328.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 510.92 328.25 Td (metropolitan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 72.06 316.25 Td (including ) Tj ET Q q 0 0 0 rg BT 112.74 316.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 150.09 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 167.44 316.25 Td (New ) Tj ET Q q 0 0 0 rg BT 189.24 316.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 218.25 316.25 Td (Counties. ) Tj ET Q q 0 0 0 rg BT 259.22 316.25 Td (In ) Tj ET Q q 0 0 0 rg BT 270.46 316.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 308.65 316.25 Td (as ) Tj ET Q q 0 0 0 rg BT 319.89 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.13 316.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 390.13 316.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 415.54 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.67 316.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 467.46 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 478.71 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.84 316.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 517.86 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 528.55 316.25 Td (our ) Tj ET Q q 0 0 0 rg BT 544.79 316.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 87.36 304.25 Td (\(measured ) Tj ET Q q 0 0 0 rg BT 131.37 304.25 Td (by ) Tj ET Q q 0 0 0 rg BT 143.73 304.25 Td (dollar ) Tj ET Q q 0 0 0 rg BT 169.42 304.25 Td (amount\) ) Tj ET Q q 0 0 0 rg BT 205.11 304.25 Td (were ) Tj ET Q q 0 0 0 rg BT 226.90 304.25 Td (made ) Tj ET Q q 0 0 0 rg BT 250.92 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 261.06 304.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 303.96 304.25 Td (who ) Tj ET Q q 0 0 0 rg BT 323.55 304.25 Td (live ) Tj ET Q q 0 0 0 rg BT 340.91 304.25 Td (or ) Tj ET Q q 0 0 0 rg BT 351.60 304.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 385.62 304.25 Td (business ) Tj ET Q q 0 0 0 rg BT 421.88 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 432.02 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 446.60 304.25 Td (New ) Tj ET Q q 0 0 0 rg BT 467.49 304.25 Td (Y) Tj ET Q q 0 0 0 rg BT 473.71 304.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 489.41 304.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 542.87 304.25 Td (area. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 292.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.71 292.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 104.21 292.25 Td (against ) Tj ET Q q 0 0 0 rg BT 136.16 292.25 Td (a ) Tj ET Q q 0 0 0 rg BT 144.23 292.25 Td (number ) Tj ET Q q 0 0 0 rg BT 178.41 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.37 292.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.98 292.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 277.06 292.25 Td (who ) Tj ET Q q 0 0 0 rg BT 297.91 292.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 336.53 292.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 382.37 292.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 427.65 292.25 Td (located ) Tj ET Q q 0 0 0 rg BT 460.16 292.25 Td (outside ) Tj ET Q q 0 0 0 rg BT 492.67 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 504.63 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.48 292.25 Td (New ) Tj ET Q q 0 0 0 rg BT 542.45 292.25 Td (Y) Tj ET Q q 0 0 0 rg BT 548.67 292.25 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 103.24 280.25 Td (area ) Tj ET Q q 0 0 0 rg BT 122.03 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.61 280.25 Td (outside ) Tj ET Q q 0 0 0 rg BT 169.64 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 184.00 280.25 Td (State ) Tj ET Q q 0 0 0 rg BT 206.14 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.61 280.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 269.10 280.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 318.44 280.25 Td (, ) Tj ET Q q 0 0 0 rg BT 323.08 280.25 Td (any ) Tj ET Q q 0 0 0 rg BT 339.66 280.25 Td (regional ) Tj ET Q q 0 0 0 rg BT 374.56 280.25 Td (or ) Tj ET Q q 0 0 0 rg BT 385.04 280.25 Td (local ) Tj ET Q q 0 0 0 rg BT 406.61 280.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 447.63 280.25 Td (downturn, ) Tj ET Q q 0 0 0 rg BT 490.60 280.25 Td (or ) Tj ET Q q 0 0 0 rg BT 501.07 280.25 Td (natural ) Tj ET Q q 0 0 0 rg BT 530.98 280.25 Td (or ) Tj ET Q q 0 0 0 rg BT 541.45 280.25 Td (man-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (made ) Tj ET Q q 0 0 0 rg BT 74.81 268.25 Td (disaster) Tj ET Q q 0 0 0 rg BT 104.95 268.25 Td (, ) Tj ET Q q 0 0 0 rg BT 110.60 268.25 Td (that ) Tj ET Q q 0 0 0 rg BT 128.75 268.25 Td (af) Tj ET Q q 0 0 0 rg BT 136.34 268.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 158.37 268.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 209.84 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 221.32 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 236.69 268.25 Td (New ) Tj ET Q q 0 0 0 rg BT 258.25 268.25 Td (Y) Tj ET Q q 0 0 0 rg BT 264.47 268.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 280.95 268.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 335.20 268.25 Td (area ) Tj ET Q q 0 0 0 rg BT 355.00 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 366.48 268.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 401.29 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 412.78 268.25 Td (prospective ) Tj ET Q q 0 0 0 rg BT 462.02 268.25 Td (property ) Tj ET Q q 0 0 0 rg BT 499.05 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 510.53 268.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 554.22 268.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 101.22 256.25 Td (or ) Tj ET Q q 0 0 0 rg BT 112.44 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.55 256.25 Td (New ) Tj ET Q q 0 0 0 rg BT 148.90 256.25 Td (Y) Tj ET Q q 0 0 0 rg BT 155.12 256.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 171.35 256.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 225.34 256.25 Td (area ) Tj ET Q q 0 0 0 rg BT 244.88 256.25 Td (may ) Tj ET Q q 0 0 0 rg BT 265.00 256.25 Td (af) Tj ET Q q 0 0 0 rg BT 272.58 256.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 290.46 256.25 Td (us ) Tj ET Q q 0 0 0 rg BT 302.25 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.58 256.25 Td (our ) Tj ET Q q 0 0 0 rg BT 335.81 256.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 386.47 256.25 Td (more ) Tj ET Q q 0 0 0 rg BT 409.92 256.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 462.80 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 480.14 256.25 Td (more ) Tj ET Q q 0 0 0 rg BT 503.58 256.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 544.79 256.25 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.34 244.25 Td (more ) Tj ET Q q 0 0 0 rg BT 87.89 244.25 Td (geographically ) Tj ET Q q 0 0 0 rg BT 149.31 244.25 Td (diversified ) Tj ET Q q 0 0 0 rg BT 194.08 244.25 Td (competitors, ) Tj ET Q q 0 0 0 rg BT 245.80 244.25 Td (which ) Tj ET Q q 0 0 0 rg BT 272.25 244.25 Td (could ) Tj ET Q q 0 0 0 rg BT 296.47 244.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 320.68 244.25 Td (a ) Tj ET Q q 0 0 0 rg BT 327.13 244.25 Td (material ) Tj ET Q q 0 0 0 rg BT 361.89 244.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 394.43 244.25 Td (ef) Tj ET Q q 0 0 0 rg BT 402.02 244.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 419.01 244.25 Td (on ) Tj ET Q q 0 0 0 rg BT 431.02 244.25 Td (our ) Tj ET Q q 0 0 0 rg BT 446.35 244.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 484.75 244.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.74 244.25 Td (condition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (results ) Tj ET Q q 0 0 0 rg BT 78.61 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 89.44 232.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 133.59 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.53 232.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (Strong ) Tj ET Q q 0 0 0 rg BT 80.29 214.25 Td (competition ) Tj ET Q q 0 0 0 rg BT 131.12 214.25 Td (within ) Tj ET Q q 0 0 0 rg BT 159.75 214.25 Td (our ) Tj ET Q q 0 0 0 rg BT 176.70 214.25 Td (market ) Tj ET Q q 0 0 0 rg BT 208.09 214.25 Td (area ) Tj ET Q q 0 0 0 rg BT 228.92 214.25 Td (could ) Tj ET Q q 0 0 0 rg BT 254.20 214.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 284.47 214.25 Td (our ) Tj ET Q q 0 0 0 rg BT 301.42 214.25 Td (profits ) Tj ET Q q 0 0 0 rg BT 330.59 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 348.65 214.25 Td (slow ) Tj ET Q q 0 0 0 rg BT 369.49 214.25 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 196.25 Td (Competition ) Tj ET Q q 0 0 0 rg BT 121.92 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 131.62 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.76 196.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 182.67 196.25 Td (services ) Tj ET Q q 0 0 0 rg BT 216.80 196.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 251.50 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.20 196.25 Td (our ) Tj ET Q q 0 0 0 rg BT 276.45 196.25 Td (market ) Tj ET Q q 0 0 0 rg BT 306.14 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 322.50 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.64 196.25 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 386.89 196.25 Td (area ) Tj ET Q q 0 0 0 rg BT 405.46 196.25 Td (is ) Tj ET Q q 0 0 0 rg BT 414.05 196.25 Td (strong. ) Tj ET Q q 0 0 0 rg BT 443.48 196.25 Td (Numerous ) Tj ET Q q 0 0 0 rg BT 487.06 196.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 536.18 196.25 Td (banks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 83.06 184.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 109.46 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.96 184.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 160.02 184.25 Td (associations ) Tj ET Q q 0 0 0 rg BT 211.41 184.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 249.47 184.25 Td (of) Tj ET Q q 0 0 0 rg BT 257.62 184.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 279.56 184.25 Td (or ) Tj ET Q q 0 0 0 rg BT 290.95 184.25 Td (are ) Tj ET Q q 0 0 0 rg BT 306.22 184.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 365.92 184.25 Td (in ) Tj ET Q q 0 0 0 rg BT 376.76 184.25 Td (or ) Tj ET Q q 0 0 0 rg BT 388.15 184.25 Td (near ) Tj ET Q q 0 0 0 rg BT 408.43 184.25 Td (our ) Tj ET Q q 0 0 0 rg BT 424.82 184.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 459.54 184.25 Td (market ) Tj ET Q q 0 0 0 rg BT 490.37 184.25 Td (area. ) Tj ET Q q 0 0 0 rg BT 512.58 184.25 Td (Commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 78.30 172.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 110.78 172.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 139.08 172.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 171.55 172.25 Td (associations, ) Tj ET Q q 0 0 0 rg BT 224.85 172.25 Td (money ) Tj ET Q q 0 0 0 rg BT 254.54 172.25 Td (market ) Tj ET Q q 0 0 0 rg BT 284.78 172.25 Td (funds, ) Tj ET Q q 0 0 0 rg BT 311.97 172.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 352.21 172.25 Td (brokers, ) Tj ET Q q 0 0 0 rg BT 387.17 172.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 419.07 172.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 466.81 172.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 492.04 172.25 Td (unions, ) Tj ET Q q 0 0 0 rg BT 523.69 172.25 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 97.75 160.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 144.12 160.25 Td (firms ) Tj ET Q q 0 0 0 rg BT 167.72 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.65 160.25 Td (private ) Tj ET Q q 0 0 0 rg BT 214.90 160.25 Td (lenders ) Tj ET Q q 0 0 0 rg BT 246.27 160.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 282.63 160.25 Td (with ) Tj ET Q q 0 0 0 rg BT 302.90 160.25 Td (us ) Tj ET Q q 0 0 0 rg BT 314.28 160.25 Td (for ) Tj ET Q q 0 0 0 rg BT 328.43 160.25 Td (various ) Tj ET Q q 0 0 0 rg BT 360.36 160.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 400.06 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 410.88 160.25 Td (our ) Tj ET Q q 0 0 0 rg BT 426.70 160.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 465.40 160.25 Td (These ) Tj ET Q q 0 0 0 rg BT 491.77 160.25 Td (competitors ) Tj ET Q q 0 0 0 rg BT 541.47 160.25 Td (often ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.19 148.25 Td (far ) Tj ET Q q 0 0 0 rg BT 84.59 148.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 114.66 148.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 154.73 148.25 Td (than ) Tj ET Q q 0 0 0 rg BT 174.25 148.25 Td (we ) Tj ET Q q 0 0 0 rg BT 188.22 148.25 Td (do ) Tj ET Q q 0 0 0 rg BT 200.53 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 217.28 148.25 Td (are ) Tj ET Q q 0 0 0 rg BT 231.80 148.25 Td (able ) Tj ET Q q 0 0 0 rg BT 250.76 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 260.85 148.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 294.81 148.25 Td (more ) Tj ET Q q 0 0 0 rg BT 317.67 148.25 Td (intensive ) Tj ET Q q 0 0 0 rg BT 356.08 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.83 148.25 Td (broader ) Tj ET Q q 0 0 0 rg BT 405.68 148.25 Td (based ) Tj ET Q q 0 0 0 rg BT 430.76 148.25 Td (promotional ) Tj ET Q q 0 0 0 rg BT 481.95 148.25 Td (ef) Tj ET Q q 0 0 0 rg BT 489.54 148.25 Td (forts ) Tj ET Q q 0 0 0 rg BT 510.18 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 520.26 148.25 Td (reach ) Tj ET Q q 0 0 0 rg BT 544.22 148.25 Td (both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.70 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 116.64 136.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 159.69 136.25 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 118.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.05 118.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 116.10 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 126.38 118.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 162.75 118.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 214.13 118.25 Td (will ) Tj ET Q q 0 0 0 rg BT 232.19 118.25 Td (depend ) Tj ET Q q 0 0 0 rg BT 263.56 118.25 Td (on ) Tj ET Q q 0 0 0 rg BT 276.06 118.25 Td (a ) Tj ET Q q 0 0 0 rg BT 283.00 118.25 Td (number ) Tj ET Q q 0 0 0 rg BT 316.05 118.25 Td (of ) Tj ET Q q 0 0 0 rg BT 326.88 118.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 359.09 118.25 Td (including, ) Tj ET Q q 0 0 0 rg BT 401.86 118.25 Td (among ) Tj ET Q q 0 0 0 rg BT 431.58 118.25 Td (other ) Tj ET Q q 0 0 0 rg BT 454.62 118.25 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 100.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 100.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 104.43 100.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 132.87 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 143.53 100.25 Td (build ) Tj ET Q q 0 0 0 rg BT 166.97 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.29 100.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 222.16 100.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 264.48 100.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 304.01 100.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 358.00 100.25 Td (while ) Tj ET Q q 0 0 0 rg BT 383.10 100.25 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 420.42 100.25 Td (high ) Tj ET Q q 0 0 0 rg BT 441.08 100.25 Td (ethical ) Tj ET Q q 0 0 0 rg BT 470.61 100.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 511.26 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 528.59 100.25 Td (safe ) Tj ET Q q 0 0 0 rg BT 547.57 100.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 88.25 Td (sound ) Tj ET Q q 0 0 0 rg BT 112.39 88.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 147.11 88.25 Td (practices;) 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 (The ) Tj ET Q q 0 0 0 rg BT 104.05 70.25 Td (scope, ) Tj ET Q q 0 0 0 rg BT 131.82 70.25 Td (relevance ) Tj ET Q q 0 0 0 rg BT 172.62 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.55 70.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 220.38 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.21 70.25 Td (products ) Tj ET Q q 0 0 0 rg BT 268.15 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 285.09 70.25 Td (services ) Tj ET Q q 0 0 0 rg BT 319.79 70.25 Td (that ) Tj ET Q q 0 0 0 rg BT 337.29 70.25 Td (we ) Tj ET Q q 0 0 0 rg BT 351.45 70.25 Td (of) Tj ET Q q 0 0 0 rg BT 359.60 70.25 Td (fer;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 52.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 52.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 127.39 52.25 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 175.43 52.25 Td (with ) Tj ET Q q 0 0 0 rg BT 195.71 52.25 Td (our ) Tj ET Q q 0 0 0 rg BT 211.54 52.25 Td (products ) Tj ET Q q 0 0 0 rg BT 248.48 52.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.41 52.25 Td (personalized ) Tj ET Q q 0 0 0 rg BT 318.45 52.25 Td (services;) 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 (21) 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 (Industry ) Tj ET Q q 0 0 0 rg BT 121.83 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.77 742.10 Td (general ) Tj ET Q q 0 0 0 rg BT 170.69 742.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 212.06 742.10 Td (trends; ) Tj ET Q q 0 0 0 rg BT 241.78 742.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 724.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 724.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 104.05 724.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 132.10 724.10 Td (to ) Tj ET Q q 0 0 0 rg BT 142.38 724.10 Td (keep ) Tj ET Q q 0 0 0 rg BT 163.76 724.10 Td (pace ) Tj ET Q q 0 0 0 rg BT 184.57 724.10 Td (with ) Tj ET Q q 0 0 0 rg BT 204.85 724.10 Td (technological ) Tj ET Q q 0 0 0 rg BT 261.22 724.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 300.37 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.30 724.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.58 724.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 353.97 724.10 Td (in ) Tj ET Q q 0 0 0 rg BT 364.25 724.10 Td (new ) Tj ET Q q 0 0 0 rg BT 383.41 724.10 Td (technology) Tj ET Q q 0 0 0 rg BT 427.19 724.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 706.10 Td (Increased ) Tj ET Q q 0 0 0 rg BT 110.92 706.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 161.30 706.10 Td (could ) Tj ET Q q 0 0 0 rg BT 186.13 706.10 Td (require ) Tj ET Q q 0 0 0 rg BT 217.06 706.10 Td (us ) Tj ET Q q 0 0 0 rg BT 228.56 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.95 706.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 274.32 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.15 706.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 310.63 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 324.91 706.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 341.96 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 354.57 706.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 389.96 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 400.90 706.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 426.28 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.11 706.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 462.60 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 476.88 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 485.02 706.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 498.74 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 511.35 706.10 Td (loans, ) 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 50.00 694.10 Td (could ) Tj ET Q q 0 0 0 rg BT 75.16 694.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 104.74 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 121.01 694.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 168.13 694.10 Td (. ) Tj ET Q q 0 0 0 rg BT 173.35 694.10 Td (W) Tj ET Q q 0 0 0 rg BT 181.99 694.10 Td (e ) Tj ET Q q 0 0 0 rg BT 189.37 694.10 Td (derive ) Tj ET Q q 0 0 0 rg BT 217.29 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.67 694.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 261.49 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.76 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 289.03 694.10 Td (business ) Tj ET Q q 0 0 0 rg BT 325.86 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 348.23 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 364.50 694.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 399.10 694.10 Td (market ) Tj ET Q q 0 0 0 rg BT 429.80 694.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 451.88 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.04 694.10 Td (New ) Tj ET Q q 0 0 0 rg BT 488.42 694.10 Td (Y) Tj ET Q q 0 0 0 rg BT 494.64 694.10 Td (ork ) Tj ET Q q 0 0 0 rg BT 510.91 694.10 Td (metropolitan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 71.72 682.10 Td (including ) Tj ET Q q 0 0 0 rg BT 112.07 682.10 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 149.07 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.08 682.10 Td (New ) Tj ET Q q 0 0 0 rg BT 187.54 682.10 Td (Haven ) Tj ET Q q 0 0 0 rg BT 216.21 682.10 Td (Counties, ) Tj ET Q q 0 0 0 rg BT 256.84 682.10 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 310.23 682.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 328.36 682.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 357.03 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.38 682.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 403.82 682.10 Td (ef) Tj ET Q q 0 0 0 rg BT 411.41 682.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 448.96 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.32 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.22 682.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 509.45 682.10 Td (market ) Tj ET Q q 0 0 0 rg BT 539.79 682.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 74.77 670.10 Td (us ) Tj ET Q q 0 0 0 rg BT 86.22 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.56 670.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 115.24 670.10 Td (market ) Tj ET Q q 0 0 0 rg BT 145.56 670.10 Td (share ) Tj ET Q q 0 0 0 rg BT 169.22 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.22 670.10 Td (could ) Tj ET Q q 0 0 0 rg BT 211.00 670.10 Td (have ) Tj ET Q q 0 0 0 rg BT 232.44 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.44 670.10 Td (material ) Tj ET Q q 0 0 0 rg BT 274.76 670.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 307.86 670.10 Td (ef) Tj ET Q q 0 0 0 rg BT 315.45 670.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 333.00 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 345.56 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 361.46 670.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 400.41 670.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 437.95 670.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 480.79 670.10 Td (results ) Tj ET Q q 0 0 0 rg BT 509.46 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.35 670.10 Td (operations ) 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 (future ) Tj ET Q q 0 0 0 rg BT 93.32 658.10 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 640.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 640.10 Td (are ) Tj ET Q q 0 0 0 rg BT 80.92 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.42 640.10 Td (community ) Tj ET Q q 0 0 0 rg BT 137.03 640.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 160.09 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.15 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 195.11 640.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 223.16 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.44 640.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 273.17 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 290.13 640.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 335.42 640.10 Td (is ) Tj ET Q q 0 0 0 rg BT 344.58 640.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 375.97 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.25 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.52 640.10 Td (success ) Tj ET Q q 0 0 0 rg BT 434.58 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.41 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.36 640.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.48 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 100.10 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.95 622.10 Td (community ) Tj ET Q q 0 0 0 rg BT 154.91 622.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 179.26 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.10 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 211.84 622.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 254.79 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 263.87 622.10 Td (one ) Tj ET Q q 0 0 0 rg BT 280.72 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.46 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.08 622.10 Td (most ) Tj ET Q q 0 0 0 rg BT 327.94 622.10 Td (valuable ) Tj ET Q q 0 0 0 rg BT 364.22 622.10 Td (components ) Tj ET Q q 0 0 0 rg BT 414.95 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.69 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 441.43 622.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 480.06 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 488.69 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 495.54 622.10 Td (strive ) Tj ET Q q 0 0 0 rg BT 520.17 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.35 622.10 Td (conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.20 610.10 Td (business ) Tj ET Q q 0 0 0 rg BT 102.96 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 113.60 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.91 610.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 153.76 610.10 Td (that ) Tj ET Q q 0 0 0 rg BT 171.63 610.10 Td (enhances ) Tj ET Q q 0 0 0 rg BT 211.14 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 227.34 610.10 Td (reputation. ) Tj ET Q q 0 0 0 rg BT 273.04 610.10 Td (This ) Tj ET Q q 0 0 0 rg BT 293.68 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 303.22 610.10 Td (done, ) Tj ET Q q 0 0 0 rg BT 328.03 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.67 610.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 359.59 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 372.46 610.10 Td (recruiting, ) Tj ET Q q 0 0 0 rg BT 416.70 610.10 Td (hiring ) Tj ET Q q 0 0 0 rg BT 443.45 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.76 610.10 Td (retaining ) Tj ET Q q 0 0 0 rg BT 499.17 610.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 544.80 610.10 Td (who ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (share ) Tj ET Q q 0 0 0 rg BT 72.94 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 88.10 598.10 Td (core ) Tj ET Q q 0 0 0 rg BT 107.15 598.10 Td (values ) Tj ET Q q 0 0 0 rg BT 134.53 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.70 598.10 Td (being ) Tj ET Q q 0 0 0 rg BT 168.75 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 180.03 598.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 212.41 598.10 Td (part ) Tj ET Q q 0 0 0 rg BT 229.79 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.96 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.02 598.10 Td (communities ) Tj ET Q q 0 0 0 rg BT 307.51 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 321.01 598.10 Td (serve, ) Tj ET Q q 0 0 0 rg BT 346.45 598.10 Td (delivering ) Tj ET Q q 0 0 0 rg BT 388.83 598.10 Td (superior ) Tj ET Q q 0 0 0 rg BT 423.43 598.10 Td (service ) Tj ET Q q 0 0 0 rg BT 453.58 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.20 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 478.37 598.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 520.75 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.03 598.10 Td (caring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (about ) Tj ET Q q 0 0 0 rg BT 75.25 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 91.61 586.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 135.19 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.66 586.10 Td (associates. ) Tj ET Q q 0 0 0 rg BT 198.18 586.10 Td (If ) Tj ET Q q 0 0 0 rg BT 207.87 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 224.23 586.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 267.81 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.51 586.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 322.19 586.10 Td (af) Tj ET Q q 0 0 0 rg BT 329.78 586.10 Td (fected, ) Tj ET Q q 0 0 0 rg BT 359.74 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 372.77 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.02 586.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 419.38 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.74 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 447.10 586.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 492.90 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 504.26 586.10 Td (otherwise, ) Tj ET Q q 0 0 0 rg BT 548.67 586.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (business ) Tj ET Q q 0 0 0 rg BT 86.39 574.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 105.83 574.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 146.91 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.74 574.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 203.01 574.10 Td (results ) Tj ET Q q 0 0 0 rg BT 231.62 574.10 Td (may ) Tj ET Q q 0 0 0 rg BT 251.33 574.10 Td (be ) Tj ET Q q 0 0 0 rg BT 263.27 574.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 306.31 574.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 347.12 574.10 Td (af) Tj ET Q q 0 0 0 rg BT 354.71 574.10 Td (fected.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 556.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 556.10 Td (may ) Tj ET Q q 0 0 0 rg BT 84.80 556.10 Td (not ) Tj ET Q q 0 0 0 rg BT 100.64 556.10 Td (be ) Tj ET Q q 0 0 0 rg BT 112.58 556.10 Td (able ) Tj ET Q q 0 0 0 rg BT 132.30 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 142.58 556.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 176.17 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 193.13 556.10 Td (management ) Tj ET Q q 0 0 0 rg BT 248.96 556.10 Td (team) Tj ET Q q 0 0 0 rg BT 271.54 556.10 Td (s ) Tj ET Q q 0 0 0 rg BT 277.93 556.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 309.34 556.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 341.18 556.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.10 Td (As ) Tj ET Q q 0 0 0 rg BT 83.99 538.10 Td (part ) Tj ET Q q 0 0 0 rg BT 102.42 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.63 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 129.84 538.10 Td (management ) Tj ET Q q 0 0 0 rg BT 183.81 538.10 Td (team) Tj ET Q q 0 0 0 rg BT 206.03 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 212.80 538.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 244.01 538.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 275.01 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 280.40 538.10 Td (we ) Tj ET Q q 0 0 0 rg BT 294.94 538.10 Td (pursue ) Tj ET Q q 0 0 0 rg BT 324.48 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.80 538.10 Td (business ) Tj ET Q q 0 0 0 rg BT 368.57 538.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 388.67 538.10 Td (focused ) Tj ET Q q 0 0 0 rg BT 422.65 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 435.53 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.63 538.10 Td (development ) Tj ET Q q 0 0 0 rg BT 505.16 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.48 538.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 553.69 538.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 67.10 526.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 107.52 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.07 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 136.17 526.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 171.60 526.10 Td (market ) Tj ET Q q 0 0 0 rg BT 203.14 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.34 526.10 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 273.45 526.10 Td (areas. ) Tj ET Q q 0 0 0 rg BT 300.25 526.10 Td (In ) Tj ET Q q 0 0 0 rg BT 312.35 526.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 348.90 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.45 526.10 Td (pursuing ) Tj ET Q q 0 0 0 rg BT 399.22 526.10 Td (or) Tj ET Q q 0 0 0 rg BT 407.37 526.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 432.79 526.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 467.39 526.10 Td (another ) Tj ET Q q 0 0 0 rg BT 501.15 526.10 Td (element ) Tj ET Q q 0 0 0 rg BT 536.57 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 526.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.39 514.10 Td (team) Tj ET Q q 0 0 0 rg BT 125.60 514.10 Td (s ) Tj ET Q q 0 0 0 rg BT 131.80 514.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 165.76 514.10 Td (will ) Tj ET Q q 0 0 0 rg BT 183.62 514.10 Td (be ) Tj ET Q q 0 0 0 rg BT 195.36 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.44 514.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 237.17 514.10 Td (other ) Tj ET Q q 0 0 0 rg BT 260.02 514.10 Td (branches, ) Tj ET Q q 0 0 0 rg BT 300.36 514.10 Td (whole ) Tj ET Q q 0 0 0 rg BT 327.10 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 364.39 514.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 411.15 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 421.78 514.10 Td (related ) Tj ET Q q 0 0 0 rg BT 451.29 514.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 472.48 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.11 514.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 521.64 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 530.28 514.10 Td (e ) Tj ET Q q 0 0 0 rg BT 537.02 514.10 Td (intend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.06 502.10 Td (actively ) Tj ET Q q 0 0 0 rg BT 95.98 502.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 117.03 502.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 155.30 502.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 202.46 502.10 Td (opportunities. ) Tj ET Q q 0 0 0 rg BT 260.77 502.10 Td (There ) Tj ET Q q 0 0 0 rg BT 287.37 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 302.85 502.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 345.57 502.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 367.74 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 386.01 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 406.50 502.10 Td (make ) Tj ET Q q 0 0 0 rg BT 431.44 502.10 Td (it ) Tj ET Q q 0 0 0 rg BT 440.27 502.10 Td (dif) Tj ET Q q 0 0 0 rg BT 451.20 502.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 475.58 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 490.52 502.10 Td (us ) Tj ET Q q 0 0 0 rg BT 502.69 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.74 502.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 547.55 502.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.76 490.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 114.85 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.72 490.10 Td (we ) Tj ET Q q 0 0 0 rg BT 145.81 490.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 174.90 490.10 Td (assure ) Tj ET Q q 0 0 0 rg BT 202.32 490.10 Td (you ) Tj ET Q q 0 0 0 rg BT 219.75 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 237.18 490.10 Td (we ) Tj ET Q q 0 0 0 rg BT 251.27 490.10 Td (will ) Tj ET Q q 0 0 0 rg BT 269.26 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 281.13 490.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 324.66 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.87 490.10 Td (executing ) Tj ET Q q 0 0 0 rg BT 376.17 490.10 Td (any ) Tj ET Q q 0 0 0 rg BT 393.04 490.10 Td (part ) Tj ET Q q 0 0 0 rg BT 411.02 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.78 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 437.54 490.10 Td (management ) Tj ET Q q 0 0 0 rg BT 491.06 490.10 Td (team) Tj ET Q q 0 0 0 rg BT 513.28 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 519.60 490.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 553.69 490.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.15 478.10 Td (we ) Tj ET Q q 0 0 0 rg BT 80.96 478.10 Td (will ) Tj ET Q q 0 0 0 rg BT 98.66 478.10 Td (be ) Tj ET Q q 0 0 0 rg BT 110.25 478.10 Td (able ) Tj ET Q q 0 0 0 rg BT 129.06 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.98 478.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 176.12 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.60 478.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 230.97 478.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 248.10 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.58 478.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 291.56 478.10 Td (Challenges ) Tj ET Q q 0 0 0 rg BT 338.14 478.10 Td (we ) Tj ET Q q 0 0 0 rg BT 351.95 478.10 Td (will ) Tj ET Q q 0 0 0 rg BT 369.66 478.10 Td (face ) Tj ET Q q 0 0 0 rg BT 388.46 478.10 Td (include ) Tj ET Q q 0 0 0 rg BT 420.04 478.10 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 459.96 478.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 503.21 478.10 Td (approvals ) Tj ET Q q 0 0 0 rg BT 544.23 478.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 80.70 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.86 466.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 143.52 466.10 Td (assuring ) Tj ET Q q 0 0 0 rg BT 179.24 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 196.62 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 210.66 466.10 Td (will ) Tj ET Q q 0 0 0 rg BT 228.61 466.10 Td (not ) Tj ET Q q 0 0 0 rg BT 243.77 466.10 Td (become ) Tj ET Q q 0 0 0 rg BT 277.25 466.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 307.96 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.12 466.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 361.60 466.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 392.31 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 402.48 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.08 466.10 Td (future ) Tj ET Q q 0 0 0 rg BT 443.34 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 460.72 466.10 Td (could ) Tj ET Q q 0 0 0 rg BT 485.32 466.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 515.47 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 531.19 466.10 Td (growth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 97.48 454.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 146.61 454.10 Td (tar) Tj ET Q q 0 0 0 rg BT 156.98 454.10 Td (gets ) Tj ET Q q 0 0 0 rg BT 176.69 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 191.95 454.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 245.82 454.10 Td (negotiating ) Tj ET Q q 0 0 0 rg BT 294.41 454.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 345.79 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 359.39 454.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 385.20 454.10 Td (that ) Tj ET Q q 0 0 0 rg BT 403.80 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 419.61 454.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 465.39 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.77 454.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 491.76 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.80 454.10 Td (encountering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 99.53 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.96 442.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 162.50 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 183.70 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 220.45 442.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 266.67 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.87 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 305.18 442.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 335.83 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 355.37 442.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 384.91 442.10 Td (business ) Tj ET Q q 0 0 0 rg BT 420.57 442.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 460.10 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 476.86 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 497.50 442.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 527.02 442.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (resources, ) Tj ET Q q 0 0 0 rg BT 92.88 430.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 127.71 430.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 173.63 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.69 430.10 Td (more ) Tj ET Q q 0 0 0 rg BT 213.86 430.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 255.36 430.10 Td (than ) Tj ET Q q 0 0 0 rg BT 275.20 430.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 288.63 430.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 337.97 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 343.09 430.10 Td (there ) Tj ET Q q 0 0 0 rg BT 365.70 430.10 Td (can ) Tj ET Q q 0 0 0 rg BT 382.19 430.10 Td (be ) Tj ET Q q 0 0 0 rg BT 394.26 430.10 Td (no ) Tj ET Q q 0 0 0 rg BT 406.88 430.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 448.37 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 465.98 430.10 Td (we ) Tj ET Q q 0 0 0 rg BT 480.27 430.10 Td (will ) Tj ET Q q 0 0 0 rg BT 498.44 430.10 Td (be ) Tj ET Q q 0 0 0 rg BT 510.51 430.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 554.23 430.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (completing ) Tj ET Q q 0 0 0 rg BT 97.57 418.10 Td (future ) Tj ET Q q 0 0 0 rg BT 124.02 418.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 174.38 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 184.17 418.10 Td (all ) Tj ET Q q 0 0 0 rg BT 196.74 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.65 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 220.23 418.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 245.02 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 262.60 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 277.38 418.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 322.15 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.50 418.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 346.47 418.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 364.60 418.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 392.73 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 403.09 418.10 Td (grow ) Tj ET Q q 0 0 0 rg BT 426.22 418.10 Td (will ) Tj ET Q q 0 0 0 rg BT 444.36 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 456.37 418.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 487.28 418.10 Td (if ) Tj ET Q q 0 0 0 rg BT 495.97 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 510.21 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 524.99 418.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 554.22 418.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 101.38 406.10 Td (make ) Tj ET Q q 0 0 0 rg BT 125.53 406.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 175.81 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.08 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.80 406.10 Td (future.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 75.44 388.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 124.24 388.10 Td (we ) Tj ET Q q 0 0 0 rg BT 138.01 388.10 Td (may ) Tj ET Q q 0 0 0 rg BT 157.89 388.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 191.66 388.10 Td (may ) Tj ET Q q 0 0 0 rg BT 211.53 388.10 Td (have ) Tj ET Q q 0 0 0 rg BT 233.63 388.10 Td (distressed ) Tj ET Q q 0 0 0 rg BT 276.29 388.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 302.85 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.07 388.10 Td (there ) Tj ET Q q 0 0 0 rg BT 344.84 388.10 Td (can ) Tj ET Q q 0 0 0 rg BT 362.50 388.10 Td (be ) Tj ET Q q 0 0 0 rg BT 374.60 388.10 Td (no ) Tj ET Q q 0 0 0 rg BT 387.82 388.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 432.16 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 450.94 388.10 Td (we ) Tj ET Q q 0 0 0 rg BT 464.71 388.10 Td (would ) Tj ET Q q 0 0 0 rg BT 492.38 388.10 Td (be ) Tj ET Q q 0 0 0 rg BT 504.48 388.10 Td (able ) Tj ET Q q 0 0 0 rg BT 524.36 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.79 388.10 Td (realize ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.81 376.10 Td (value ) Tj ET Q q 0 0 0 rg BT 89.06 376.10 Td (we ) Tj ET Q q 0 0 0 rg BT 102.20 376.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 132.55 376.10 Td (from ) Tj ET Q q 0 0 0 rg BT 154.58 376.10 Td (these ) Tj ET Q q 0 0 0 rg BT 177.72 376.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 203.65 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 214.57 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 232.72 376.10 Td (we ) Tj ET Q q 0 0 0 rg BT 245.86 376.10 Td (would ) Tj ET Q q 0 0 0 rg BT 272.90 376.10 Td (make ) Tj ET Q q 0 0 0 rg BT 297.15 376.10 Td (suf) Tj ET Q q 0 0 0 rg BT 309.75 376.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 337.89 376.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 378.26 376.10 Td (for ) Tj ET Q q 0 0 0 rg BT 392.51 376.10 Td (future ) Tj ET Q q 0 0 0 rg BT 420.10 376.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 446.03 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.40 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.21 376.10 Td (value ) Tj ET Q q 0 0 0 rg BT 495.45 376.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 508.32 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 519.24 376.10 Td (accurately ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 86.38 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.66 364.10 Td (future ) Tj ET Q q 0 0 0 rg BT 129.72 364.10 Td (write ) Tj ET Q q 0 0 0 rg BT 152.78 364.10 Td (downs ) Tj ET Q q 0 0 0 rg BT 181.40 364.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 206.68 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.52 364.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 248.90 364.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 262.23 364.10 Td (these ) Tj ET Q q 0 0 0 rg BT 285.83 364.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 346.10 Td (Declines ) Tj ET Q q 0 0 0 rg BT 107.30 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.39 346.10 Td (home ) Tj ET Q q 0 0 0 rg BT 141.91 346.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 168.10 346.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 195.96 346.10 Td (weak ) Tj ET Q q 0 0 0 rg BT 219.37 346.10 Td (general ) Tj ET Q q 0 0 0 rg BT 251.10 346.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 292.29 346.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 336.26 346.10 Td (may ) Tj ET Q q 0 0 0 rg BT 355.79 346.10 Td (result ) Tj ET Q q 0 0 0 rg BT 380.32 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.41 346.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 429.36 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 439.45 346.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 496.75 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.50 346.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 539.70 346.10 Td (in ) 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 (loan ) Tj ET Q q 0 0 0 rg BT 69.26 334.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 110.19 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.67 334.10 Td (other ) Tj ET Q q 0 0 0 rg BT 149.26 334.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 174.64 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.01 334.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 222.03 334.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 268.53 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 285.57 334.10 Td (we ) Tj ET Q q 0 0 0 rg BT 299.27 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 318.53 334.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 350.00 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.82 334.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 395.75 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 412.79 334.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 442.59 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 457.96 334.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 483.33 334.10 Td (forecasts ) Tj ET Q q 0 0 0 rg BT 520.92 334.10 Td (developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (during ) Tj ET Q q 0 0 0 rg BT 79.00 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.11 322.10 Td (due ) Tj ET Q q 0 0 0 rg BT 111.45 322.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 150.99 322.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 205.55 322.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 227.88 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.55 322.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 279.21 322.10 Td (those ) Tj ET Q q 0 0 0 rg BT 303.21 322.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 353.06 322.10 Td (In ) Tj ET Q q 0 0 0 rg BT 364.29 322.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 402.45 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.57 322.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 436.02 322.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 471.67 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.90 322.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 530.25 322.10 Td (we ) Tj ET Q q 0 0 0 rg BT 544.80 322.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 81.79 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 101.37 310.10 Td (prove ) Tj ET Q q 0 0 0 rg BT 126.50 310.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 172.17 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 182.87 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 194.67 310.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 238.68 310.10 Td (af) Tj ET Q q 0 0 0 rg BT 246.27 310.10 Td (fected, ) Tj ET Q q 0 0 0 rg BT 275.56 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.36 310.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 314.16 310.10 Td (values ) Tj ET Q q 0 0 0 rg BT 342.07 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 361.65 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 373.45 310.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 413.86 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 424.00 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.58 310.10 Td (future ) Tj ET Q q 0 0 0 rg BT 464.82 310.10 Td (due ) Tj ET Q q 0 0 0 rg BT 481.62 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.76 310.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 521.33 310.10 Td (we ) Tj ET Q q 0 0 0 rg BT 535.36 310.10 Td (cannot ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (predict, ) Tj ET Q q 0 0 0 rg BT 83.76 298.10 Td (including ) Tj ET Q q 0 0 0 rg BT 125.03 298.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 170.74 298.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 225.32 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.60 298.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 278.96 298.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 324.13 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.06 298.10 Td (further ) Tj ET Q q 0 0 0 rg BT 372.76 298.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 409.02 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.30 298.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 460.99 298.10 Td (values ) Tj ET Q q 0 0 0 rg BT 490.03 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.97 298.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 534.23 298.10 Td (quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (indicators. ) Tj ET Q q 0 0 0 rg BT 93.24 286.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 112.15 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.16 286.10 Td (these ) Tj ET Q q 0 0 0 rg BT 144.39 286.10 Td (events ) Tj ET Q q 0 0 0 rg BT 171.62 286.10 Td (could ) Tj ET Q q 0 0 0 rg BT 195.52 286.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 235.52 286.10 Td (af) Tj ET Q q 0 0 0 rg BT 243.10 286.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 259.77 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.67 286.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 310.33 286.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 352.29 286.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 385.53 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 389.71 286.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 418.04 286.10 Td (position ) Tj ET Q q 0 0 0 rg BT 451.95 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.07 286.10 Td (value ) Tj ET Q q 0 0 0 rg BT 491.41 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.42 286.10 Td (any ) Tj ET Q q 0 0 0 rg BT 517.54 286.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 274.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.66 274.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 113.58 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.52 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.35 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.06 274.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 179.67 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 190.50 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.44 274.10 Td (whole.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 256.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.92 256.10 Td (may ) Tj ET Q q 0 0 0 rg BT 84.47 256.10 Td (not ) Tj ET Q q 0 0 0 rg BT 100.14 256.10 Td (be ) Tj ET Q q 0 0 0 rg BT 111.92 256.10 Td (able ) Tj ET Q q 0 0 0 rg BT 131.46 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.58 256.10 Td (overcome ) Tj ET Q q 0 0 0 rg BT 183.33 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.44 256.10 Td (integration ) Tj ET Q q 0 0 0 rg BT 246.34 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.24 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 288.24 256.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 310.03 256.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 354.58 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 374.70 256.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 428.99 256.10 Td (which ) Tj ET Q q 0 0 0 rg BT 456.33 256.10 Td (could ) Tj ET Q q 0 0 0 rg BT 481.44 256.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 522.09 256.10 Td (af) Tj ET Q q 0 0 0 rg BT 530.24 256.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 547.56 256.10 Td (our ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 81.40 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.46 244.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 147.42 244.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 226.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 226.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.46 226.10 Td (may ) Tj ET Q q 0 0 0 rg BT 105.07 226.10 Td (from ) Tj ET Q q 0 0 0 rg BT 126.89 226.10 Td (time ) Tj ET Q q 0 0 0 rg BT 147.05 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.22 226.10 Td (time ) Tj ET Q q 0 0 0 rg BT 177.38 226.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 213.64 226.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 259.91 226.10 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 315.07 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 332.45 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 346.50 226.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 377.76 226.10 Td (complement ) Tj ET Q q 0 0 0 rg BT 429.57 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 445.29 226.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 483.77 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.60 226.10 Td (have ) Tj ET Q q 0 0 0 rg BT 521.86 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.47 226.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.29 214.10 Td (enhance ) Tj ET Q q 0 0 0 rg BT 95.56 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 111.41 214.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 158.53 214.10 Td (. ) Tj ET Q q 0 0 0 rg BT 162.98 214.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 212.16 214.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 250.78 214.10 Td (could ) Tj ET Q q 0 0 0 rg BT 275.51 214.10 Td (be ) Tj ET Q q 0 0 0 rg BT 287.46 214.10 Td (material ) Tj ET Q q 0 0 0 rg BT 322.74 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 333.03 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 348.87 214.10 Td (business ) Tj ET Q q 0 0 0 rg BT 385.28 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.23 214.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 434.74 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 441.70 214.10 Td (number ) Tj ET Q q 0 0 0 rg BT 474.76 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.60 214.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 509.51 214.10 Td (including ) Tj ET Q q 0 0 0 rg BT 549.80 214.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 184.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 184.10 Td (Incurring ) Tj ET Q q 0 0 0 rg BT 126.16 184.10 Td (time ) Tj ET Q q 0 0 0 rg BT 146.88 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.27 184.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 199.43 184.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 243.47 184.10 Td (with ) Tj ET Q q 0 0 0 rg BT 264.20 184.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 311.03 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.42 184.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 373.02 184.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 410.97 184.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 461.69 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.08 184.10 Td (negotiating ) Tj ET Q q 0 0 0 rg BT 527.02 184.10 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 172.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 138.76 172.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 176.26 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.54 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 202.37 172.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 239.86 172.10 Td (being ) Tj ET Q q 0 0 0 rg BT 264.57 172.10 Td (diverted ) Tj ET Q q 0 0 0 rg BT 299.84 172.10 Td (from ) Tj ET Q q 0 0 0 rg BT 321.78 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.49 172.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 376.76 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.59 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 403.42 172.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 437.58 172.10 Td (business;) 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 (Using ) Tj ET Q q 0 0 0 rg BT 112.64 154.10 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 156.46 154.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 196.42 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.60 154.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 258.01 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.53 154.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 304.58 154.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 332.59 154.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 379.49 154.10 Td (management ) Tj ET Q q 0 0 0 rg BT 433.32 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.51 154.10 Td (market ) Tj ET Q q 0 0 0 rg BT 481.01 154.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 502.65 154.10 Td (with ) Tj ET Q q 0 0 0 rg BT 523.17 154.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 554.23 154.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 142.10 Td (tar) Tj ET Q q 0 0 0 rg BT 111.08 142.10 Td (get ) Tj ET Q q 0 0 0 rg BT 125.80 142.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 168.86 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 179.69 142.10 Td (assets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 124.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 124.10 Td (Intense ) Tj ET Q q 0 0 0 rg BT 117.38 124.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 167.65 124.10 Td (from ) Tj ET Q q 0 0 0 rg BT 189.58 124.10 Td (other ) Tj ET Q q 0 0 0 rg BT 212.63 124.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 247.35 124.10 Td (or) Tj ET Q q 0 0 0 rg BT 255.50 124.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 303.54 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.48 124.10 Td (other ) Tj ET Q q 0 0 0 rg BT 343.52 124.10 Td (inquirers ) Tj ET Q q 0 0 0 rg BT 381.57 124.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.73 124.10 Td (acquisitions;) 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 86.00 106.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 124.05 106.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 162.65 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 172.93 106.10 Td (unknown ) Tj ET Q q 0 0 0 rg BT 212.65 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.48 106.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 268.19 106.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 307.91 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.74 106.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 344.57 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.51 106.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 406.23 106.10 Td (we ) Tj ET Q q 0 0 0 rg BT 420.39 106.10 Td (acquire;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 88.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 88.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.05 88.10 Td (time ) Tj ET Q q 0 0 0 rg BT 124.32 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.26 88.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 175.97 88.10 Td (required ) Tj ET Q q 0 0 0 rg BT 211.78 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.06 88.10 Td (integrate ) Tj ET Q q 0 0 0 rg BT 259.54 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.26 88.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 318.41 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.35 88.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 376.73 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.56 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.27 88.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 444.21 88.10 Td (businesses;) 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 86.00 70.10 Td (Experiencing ) Tj ET Q q 0 0 0 rg BT 141.81 70.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 169.86 70.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 210.12 70.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 248.72 70.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 281.20 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.48 70.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 331.74 70.10 Td (income ) Tj ET Q q 0 0 0 rg BT 363.68 70.10 Td (from ) Tj ET Q q 0 0 0 rg BT 385.61 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.33 70.10 Td (new ) Tj ET Q q 0 0 0 rg BT 419.49 70.10 Td (operations;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 52.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 52.10 Td (Creating ) Tj ET Q q 0 0 0 rg BT 122.93 52.10 Td (an ) Tj ET Q q 0 0 0 rg BT 134.87 52.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 167.91 52.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 212.06 52.10 Td (ef) Tj ET Q q 0 0 0 rg BT 219.65 52.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 237.14 52.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.64 52.10 Td (our ) Tj ET Q q 0 0 0 rg BT 265.47 52.10 Td (results ) Tj ET Q q 0 0 0 rg BT 294.08 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.91 52.10 Td (operations;) 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 (22) 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 (Losing ) Tj ET Q q 0 0 0 rg BT 116.28 742.10 Td (key ) Tj ET Q q 0 0 0 rg BT 133.22 742.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 178.48 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.42 742.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 238.47 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 249.30 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 256.23 742.10 Td (result ) Tj ET Q q 0 0 0 rg BT 280.95 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.78 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 303.72 742.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 350.10 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.60 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 376.77 742.10 Td (poorly ) Tj ET Q q 0 0 0 rg BT 405.38 742.10 Td (received;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 724.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 724.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 132.38 724.10 Td (problems ) Tj ET Q q 0 0 0 rg BT 172.10 724.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 205.14 724.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.42 724.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.14 724.10 Td (conversion ) Tj ET Q q 0 0 0 rg BT 276.51 724.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.34 724.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.06 724.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 339.54 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.48 724.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 395.63 724.10 Td (data ) Tj ET Q q 0 0 0 rg BT 414.79 724.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.62 724.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.34 724.10 Td (entity;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 706.10 Td (Inconsistencies ) Tj ET Q q 0 0 0 rg BT 149.53 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.74 706.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 202.45 706.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 239.60 706.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 285.90 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 302.78 706.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 336.32 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 353.75 706.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 394.50 706.10 Td (af) Tj ET Q q 0 0 0 rg BT 402.08 706.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 419.51 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 435.27 706.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 463.26 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.47 706.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 510.90 706.10 Td (relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 106.28 694.10 Td (clients, ) Tj ET Q q 0 0 0 rg BT 137.38 694.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 182.93 694.10 Td (depositors ) Tj ET Q q 0 0 0 rg BT 226.54 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.48 694.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 288.74 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 299.57 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.85 694.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 342.88 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.60 694.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 403.96 694.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 438.12 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.95 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.67 694.10 Td (acquisition; ) Tj ET Q q 0 0 0 rg BT 512.83 694.10 Td (or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 676.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 676.10 Td (Risks ) Tj ET Q q 0 0 0 rg BT 110.73 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 121.56 676.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 170.16 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.44 676.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 218.50 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 229.33 676.10 Td (other ) Tj ET Q q 0 0 0 rg BT 252.37 676.10 Td (than ) Tj ET Q q 0 0 0 rg BT 272.09 676.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 315.68 676.10 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 658.10 Td (Depending ) Tj ET Q q 0 0 0 rg BT 116.18 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.48 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.00 658.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 183.07 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.70 658.10 Td (any ) Tj ET Q q 0 0 0 rg BT 210.44 658.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 253.31 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 263.94 658.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 289.57 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 300.20 658.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 339.72 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 357.01 658.10 Td (we ) Tj ET Q q 0 0 0 rg BT 370.98 658.10 Td (may ) Tj ET Q q 0 0 0 rg BT 390.49 658.10 Td (acquire, ) Tj ET Q q 0 0 0 rg BT 424.72 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 442.02 658.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 488.20 658.10 Td (may) Tj ET Q q 0 0 0 rg BT 504.77 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 509.57 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 519.09 658.10 Td (least ) Tj ET Q q 0 0 0 rg BT 539.71 658.10 Td (in ) 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 (near ) Tj ET Q q 0 0 0 rg BT 69.23 646.10 Td (term, ) Tj ET Q q 0 0 0 rg BT 92.07 646.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 132.41 646.10 Td (af) Tj ET Q q 0 0 0 rg BT 140.00 646.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 157.00 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 172.35 646.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 201.02 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.48 646.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 253.38 646.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 272.34 646.10 Td (if ) Tj ET Q q 0 0 0 rg BT 280.47 646.10 Td (not ) Tj ET Q q 0 0 0 rg BT 295.27 646.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 346.17 646.10 Td (integrated ) Tj ET Q q 0 0 0 rg BT 388.17 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 407.96 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 423.32 646.10 Td (or) Tj ET Q q 0 0 0 rg BT 431.46 646.10 Td (ganization, ) Tj ET Q q 0 0 0 rg BT 477.64 646.10 Td (may ) Tj ET Q q 0 0 0 rg BT 496.87 646.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 533.33 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.13 646.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (such ) Tj ET Q q 0 0 0 rg BT 71.63 634.10 Td (ef) Tj ET Q q 0 0 0 rg BT 79.21 634.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 101.38 634.10 Td (over ) Tj ET Q q 0 0 0 rg BT 122.45 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 130.18 634.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 159.02 634.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 190.13 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 198.76 634.10 Td (e ) Tj ET Q q 0 0 0 rg BT 206.50 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 227.01 634.10 Td (not ) Tj ET Q q 0 0 0 rg BT 243.08 634.10 Td (be ) Tj ET Q q 0 0 0 rg BT 255.82 634.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 300.21 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.28 634.10 Td (overcoming ) Tj ET Q q 0 0 0 rg BT 362.34 634.10 Td (these ) Tj ET Q q 0 0 0 rg BT 386.18 634.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 408.37 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 420.00 634.10 Td (any ) Tj ET Q q 0 0 0 rg BT 437.73 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 461.57 634.10 Td (problems ) Tj ET Q q 0 0 0 rg BT 502.08 634.10 Td (encountered ) Tj ET Q q 0 0 0 rg BT 554.24 634.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 95.53 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 114.97 622.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 148.85 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 158.84 622.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 195.50 622.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 247.43 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.53 622.10 Td (any ) Tj ET Q q 0 0 0 rg BT 279.63 622.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 325.17 622.10 Td (we ) Tj ET Q q 0 0 0 rg BT 338.50 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 357.37 622.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 392.91 622.10 Td (will ) Tj ET Q q 0 0 0 rg BT 410.13 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 421.23 622.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 451.22 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.66 622.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.76 622.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 524.51 622.10 Td (approval. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.10 610.10 Td (inability ) Tj ET Q q 0 0 0 rg BT 103.98 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 114.31 610.10 Td (overcome ) Tj ET Q q 0 0 0 rg BT 156.29 610.10 Td (these ) Tj ET Q q 0 0 0 rg BT 179.38 610.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 200.82 610.10 Td (could ) Tj ET Q q 0 0 0 rg BT 225.59 610.10 Td (have ) Tj ET Q q 0 0 0 rg BT 247.02 610.10 Td (an ) Tj ET Q q 0 0 0 rg BT 259.01 610.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 292.09 610.10 Td (ef) Tj ET Q q 0 0 0 rg BT 299.68 610.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 317.22 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 329.77 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 345.65 610.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 392.77 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 397.82 610.10 Td (return ) Tj ET Q q 0 0 0 rg BT 424.25 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 436.80 610.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 464.34 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.33 610.10 Td (return ) Tj ET Q q 0 0 0 rg BT 507.76 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 520.31 610.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 548.69 610.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 77.88 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.99 598.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 133.09 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 148.75 598.10 Td (business ) Tj ET Q q 0 0 0 rg BT 184.98 598.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 218.96 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.73 598.10 Td (enhance ) Tj ET Q q 0 0 0 rg BT 270.82 598.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 319.80 598.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 346.28 598.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 375.55 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.66 598.10 Td (turn, ) Tj ET Q q 0 0 0 rg BT 406.60 598.10 Td (could ) Tj ET Q q 0 0 0 rg BT 431.15 598.10 Td (have ) Tj ET Q q 0 0 0 rg BT 452.36 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.13 598.10 Td (material ) Tj ET Q q 0 0 0 rg BT 494.22 598.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 527.09 598.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.68 598.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 551.99 598.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.28 586.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 105.62 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 143.55 586.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 186.77 586.10 Td (results ) Tj ET Q q 0 0 0 rg BT 215.83 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.10 586.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 271.71 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.09 586.10 Td (prospects. ) Tj ET Q q 0 0 0 rg BT 332.31 586.10 Td (Further) Tj ET Q q 0 0 0 rg BT 361.35 586.10 Td (, ) Tj ET Q q 0 0 0 rg BT 366.80 586.10 Td (if ) Tj ET Q q 0 0 0 rg BT 375.85 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 390.46 586.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 436.71 586.10 Td (dif) Tj ET Q q 0 0 0 rg BT 447.64 586.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 482.80 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 503.53 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.69 586.10 Td (integration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 84.78 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.28 574.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 145.43 574.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 179.38 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.99 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.50 574.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 250.66 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 261.28 574.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 307.45 574.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 353.61 574.10 Td (may ) Tj ET Q q 0 0 0 rg BT 373.11 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 388.18 574.10 Td (be ) Tj ET Q q 0 0 0 rg BT 399.90 574.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 433.83 574.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 455.00 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 465.62 574.10 Td (at ) Tj ET Q q 0 0 0 rg BT 475.12 574.10 Td (all ) Tj ET Q q 0 0 0 rg BT 487.40 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 498.02 574.10 Td (may ) Tj ET Q q 0 0 0 rg BT 517.52 574.10 Td (take ) Tj ET Q q 0 0 0 rg BT 536.47 574.10 Td (longer ) 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 60.28 562.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 89.42 562.10 Td (than ) Tj ET Q q 0 0 0 rg BT 109.14 562.10 Td (expected.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.52 544.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.48 544.10 Td (result ) Tj ET Q q 0 0 0 rg BT 97.78 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.06 544.10 Td (an ) Tj ET Q q 0 0 0 rg BT 122.58 544.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 169.98 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 181.83 544.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 230.36 544.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 282.50 544.10 Td (we ) Tj ET Q q 0 0 0 rg BT 296.56 544.10 Td (may ) Tj ET Q q 0 0 0 rg BT 316.74 544.10 Td (be ) Tj ET Q q 0 0 0 rg BT 329.13 544.10 Td (required ) Tj ET Q q 0 0 0 rg BT 367.09 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.83 544.10 Td (take ) Tj ET Q q 0 0 0 rg BT 398.00 544.10 Td (write-downs ) Tj ET Q q 0 0 0 rg BT 450.97 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 462.82 544.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 494.86 544.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 507.54 544.10 Td (restructuring ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 69.42 532.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 121.05 532.10 Td (or ) Tj ET Q q 0 0 0 rg BT 133.80 532.10 Td (other ) Tj ET Q q 0 0 0 rg BT 159.32 532.10 Td (charges ) Tj ET Q q 0 0 0 rg BT 195.40 532.10 Td (that ) Tj ET Q q 0 0 0 rg BT 215.37 532.10 Td (could ) Tj ET Q q 0 0 0 rg BT 242.00 532.10 Td (have ) Tj ET Q q 0 0 0 rg BT 265.29 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.15 532.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 321.90 532.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 360.19 532.10 Td (ef) Tj ET Q q 0 0 0 rg BT 367.77 532.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 386.61 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 401.03 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 419.34 532.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 460.42 532.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 503.17 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.58 532.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 532.10 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 98.34 520.10 Td (which ) Tj ET Q q 0 0 0 rg BT 125.85 520.10 Td (could ) Tj ET Q q 0 0 0 rg BT 151.13 520.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 176.96 520.10 Td (you ) Tj ET Q q 0 0 0 rg BT 194.46 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.74 520.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 223.34 520.10 Td (some ) Tj ET Q q 0 0 0 rg BT 246.95 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 258.34 520.10 Td (all ) Tj ET Q q 0 0 0 rg BT 271.40 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.23 520.10 Td (your ) Tj ET Q q 0 0 0 rg BT 303.62 520.10 Td (investment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 502.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 502.10 Td (e ) Tj ET Q q 0 0 0 rg BT 86.45 502.10 Td (must ) Tj ET Q q 0 0 0 rg BT 109.26 502.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 144.29 502.10 Td (due ) Tj ET Q q 0 0 0 rg BT 162.09 502.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 202.11 502.10 Td (investigations ) Tj ET Q q 0 0 0 rg BT 261.04 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.73 502.10 Td (tar) Tj ET Q q 0 0 0 rg BT 283.10 502.10 Td (get ) Tj ET Q q 0 0 0 rg BT 298.69 502.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 346.51 502.10 Td (we ) Tj ET Q q 0 0 0 rg BT 361.54 502.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 389.90 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.05 502.10 Td (acquire. ) Tj ET Q q 0 0 0 rg BT 436.34 502.10 Td (Intensive ) Tj ET Q q 0 0 0 rg BT 476.37 502.10 Td (due ) Tj ET Q q 0 0 0 rg BT 494.17 502.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 534.19 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 544.23 502.10 Td (time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (consuming ) Tj ET Q q 0 0 0 rg BT 97.06 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.67 490.10 Td (expensive ) Tj ET Q q 0 0 0 rg BT 157.83 490.10 Td (due ) Tj ET Q q 0 0 0 rg BT 175.44 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.40 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.79 490.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 249.12 490.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 298.66 490.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 331.26 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.87 490.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 371.48 490.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 427.42 490.10 Td (who ) Tj ET Q q 0 0 0 rg BT 447.82 490.10 Td (must ) Tj ET Q q 0 0 0 rg BT 470.44 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 483.05 490.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 521.22 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.17 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 547.56 490.10 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 89.14 478.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 124.12 478.10 Td (Even ) Tj ET Q q 0 0 0 rg BT 147.16 478.10 Td (if ) Tj ET Q q 0 0 0 rg BT 155.76 478.10 Td (we ) Tj ET Q q 0 0 0 rg BT 169.91 478.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 204.06 478.10 Td (extensive ) Tj ET Q q 0 0 0 rg BT 244.32 478.10 Td (due ) Tj ET Q q 0 0 0 rg BT 261.25 478.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 300.39 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 312.88 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 319.81 478.10 Td (tar) Tj ET Q q 0 0 0 rg BT 330.18 478.10 Td (get ) Tj ET Q q 0 0 0 rg BT 344.89 478.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 387.94 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 408.21 478.10 Td (which ) Tj ET Q q 0 0 0 rg BT 435.14 478.10 Td (we ) Tj ET Q q 0 0 0 rg BT 449.29 478.10 Td (combine, ) Tj ET Q q 0 0 0 rg BT 488.72 478.10 Td (this ) Tj ET Q q 0 0 0 rg BT 505.66 478.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 544.80 478.10 Td (may ) 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 65.29 466.10 Td (reveal ) Tj ET Q q 0 0 0 rg BT 92.22 466.10 Td (all ) Tj ET Q q 0 0 0 rg BT 104.73 466.10 Td (material ) Tj ET Q q 0 0 0 rg BT 140.00 466.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 166.40 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 183.91 466.10 Td (may ) Tj ET Q q 0 0 0 rg BT 203.64 466.10 Td (af) Tj ET Q q 0 0 0 rg BT 211.23 466.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 228.72 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.67 466.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 276.49 466.10 Td (tar) Tj ET Q q 0 0 0 rg BT 286.86 466.10 Td (get ) Tj ET Q q 0 0 0 rg BT 301.59 466.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 347.16 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.11 466.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 393.83 466.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 425.23 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.96 466.10 Td (control ) Tj ET Q q 0 0 0 rg BT 470.79 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.63 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.36 466.10 Td (tar) Tj ET Q q 0 0 0 rg BT 506.73 466.10 Td (get ) Tj ET Q q 0 0 0 rg BT 521.46 466.10 Td (institution ) 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 66.73 454.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 97.91 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.53 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 124.15 454.10 Td (control ) Tj ET Q q 0 0 0 rg BT 154.76 454.10 Td (may ) Tj ET Q q 0 0 0 rg BT 174.27 454.10 Td (later ) Tj ET Q q 0 0 0 rg BT 194.32 454.10 Td (arise. ) Tj ET Q q 0 0 0 rg BT 217.99 454.10 Td (If, ) Tj ET Q q 0 0 0 rg BT 229.44 454.10 Td (during ) Tj ET Q q 0 0 0 rg BT 257.84 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 273.46 454.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 312.40 454.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 347.18 454.10 Td (we ) Tj ET Q q 0 0 0 rg BT 361.13 454.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 376.74 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.81 454.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 420.21 454.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 446.39 454.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 479.77 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.84 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 496.57 454.10 Td (tar) Tj ET Q q 0 0 0 rg BT 506.93 454.10 Td (get ) Tj ET Q q 0 0 0 rg BT 521.44 454.10 Td (institution ) 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 61.02 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.92 442.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 129.15 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 139.62 442.10 Td (which ) Tj ET Q q 0 0 0 rg BT 166.74 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.64 442.10 Td (tar) Tj ET Q q 0 0 0 rg BT 192.01 442.10 Td (get ) Tj ET Q q 0 0 0 rg BT 206.91 442.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 250.16 442.10 Td (operates, ) Tj ET Q q 0 0 0 rg BT 288.67 442.10 Td (we ) Tj ET Q q 0 0 0 rg BT 303.01 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 322.92 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 335.04 442.10 Td (forced ) Tj ET Q q 0 0 0 rg BT 363.27 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.73 442.10 Td (later ) Tj ET Q q 0 0 0 rg BT 394.18 442.10 Td (write ) Tj ET Q q 0 0 0 rg BT 417.42 442.10 Td (down ) Tj ET Q q 0 0 0 rg BT 442.32 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 453.34 442.10 Td (write ) Tj ET Q q 0 0 0 rg BT 476.58 442.10 Td (of) Tj ET Q q 0 0 0 rg BT 484.73 442.10 Td (f ) Tj ET Q q 0 0 0 rg BT 490.74 442.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 519.26 442.10 Td (restructure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.68 430.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 112.19 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.87 430.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 145.77 430.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 194.22 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 204.90 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 227.80 430.10 Td (char) Tj ET Q q 0 0 0 rg BT 244.82 430.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 260.50 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 277.85 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 302.42 430.10 Td (result ) Tj ET Q q 0 0 0 rg BT 326.98 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 337.11 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 352.80 430.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 391.80 430.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 420.37 430.10 Td (These ) Tj ET Q q 0 0 0 rg BT 446.60 430.10 Td (char) Tj ET Q q 0 0 0 rg BT 463.63 430.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 479.31 430.10 Td (may ) Tj ET Q q 0 0 0 rg BT 498.88 430.10 Td (also ) Tj ET Q q 0 0 0 rg BT 517.34 430.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 541.90 430.10 Td (if ) Tj ET Q q 0 0 0 rg BT 550.35 430.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.24 418.10 Td (not ) Tj ET Q q 0 0 0 rg BT 79.05 418.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 122.18 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.99 418.10 Td (integrating ) Tj ET Q q 0 0 0 rg BT 177.35 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.82 418.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 235.28 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.53 418.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 293.22 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.58 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.83 418.10 Td (tar) Tj ET Q q 0 0 0 rg BT 328.20 418.10 Td (get ) Tj ET Q q 0 0 0 rg BT 342.45 418.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 385.04 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 404.85 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 431.33 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 445.02 418.10 Td (combine. ) Tj ET Q q 0 0 0 rg BT 483.98 418.10 Td (In ) Tj ET Q q 0 0 0 rg BT 494.35 418.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 531.65 418.10 Td (char) Tj ET Q q 0 0 0 rg BT 548.68 418.10 Td (ges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.50 406.10 Td (this ) Tj ET Q q 0 0 0 rg BT 77.12 406.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 104.28 406.10 Td (may ) Tj ET Q q 0 0 0 rg BT 123.67 406.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 148.05 406.10 Td (us ) Tj ET Q q 0 0 0 rg BT 159.12 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.07 406.10 Td (violate ) Tj ET Q q 0 0 0 rg BT 198.45 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 212.84 406.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 238.34 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.85 406.10 Td (other ) Tj ET Q q 0 0 0 rg BT 271.57 406.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 313.73 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 323.68 406.10 Td (which ) Tj ET Q q 0 0 0 rg BT 350.29 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 364.12 406.10 Td (may ) Tj ET Q q 0 0 0 rg BT 383.51 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 395.12 406.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 425.62 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 436.12 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 442.73 406.10 Td (result ) Tj ET Q q 0 0 0 rg BT 467.12 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.63 406.10 Td (assuming ) Tj ET Q q 0 0 0 rg BT 517.58 406.10 Td (preexisting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.72 394.10 Td (held ) Tj ET Q q 0 0 0 rg BT 89.43 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 101.93 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.87 394.10 Td (tar) Tj ET Q q 0 0 0 rg BT 119.24 394.10 Td (get ) Tj ET Q q 0 0 0 rg BT 133.96 394.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 177.02 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 187.85 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 200.35 394.10 Td (virtue ) Tj ET Q q 0 0 0 rg BT 226.17 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.00 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 252.83 394.10 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 293.11 394.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 312.82 394.10 Td (financing.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Resources ) Tj ET Q q 0 0 0 rg BT 95.82 376.10 Td (could ) Tj ET Q q 0 0 0 rg BT 122.19 376.10 Td (be ) Tj ET Q q 0 0 0 rg BT 135.22 376.10 Td (expended ) Tj ET Q q 0 0 0 rg BT 177.69 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.62 376.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 241.56 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 254.04 376.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 300.97 376.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 340.68 376.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 393.73 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 413.44 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 430.37 376.10 Td (not ) Tj ET Q q 0 0 0 rg BT 447.30 376.10 Td (consummated, ) Tj ET Q q 0 0 0 rg BT 510.62 376.10 Td (which ) Tj ET Q q 0 0 0 rg BT 539.22 376.10 Td (could ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 94.16 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.22 364.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 153.04 364.10 Td (af) Tj ET Q q 0 0 0 rg BT 161.19 364.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 178.67 364.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 227.29 364.10 Td (attempts ) Tj ET Q q 0 0 0 rg BT 264.24 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.52 364.10 Td (locate ) Tj ET Q q 0 0 0 rg BT 301.45 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.51 364.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 353.12 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 364.51 364.10 Td (merge ) Tj ET Q q 0 0 0 rg BT 392.56 364.10 Td (with ) Tj ET Q q 0 0 0 rg BT 412.85 364.10 Td (another ) Tj ET Q q 0 0 0 rg BT 447.58 364.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 346.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 346.10 Td (e ) Tj ET Q q 0 0 0 rg BT 86.51 346.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 128.81 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 147.24 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.90 346.10 Td (process ) Tj ET Q q 0 0 0 rg BT 196.32 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.09 346.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 255.40 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.28 346.10 Td (investigating ) Tj ET Q q 0 0 0 rg BT 328.37 346.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 376.26 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 391.35 346.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 429.78 346.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 480.99 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.86 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.51 346.10 Td (negotiation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (drafting ) Tj ET Q q 0 0 0 rg BT 84.17 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.13 334.10 Td (execution ) Tj ET Q q 0 0 0 rg BT 142.51 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.36 334.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 188.08 334.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 238.63 334.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 281.69 334.10 Td (documents ) Tj ET Q q 0 0 0 rg BT 327.53 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.49 334.10 Td (other ) Tj ET Q q 0 0 0 rg BT 367.55 334.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 416.73 334.10 Td (will ) Tj ET Q q 0 0 0 rg BT 434.80 334.10 Td (require ) Tj ET Q q 0 0 0 rg BT 465.63 334.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 510.92 334.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (time ) Tj ET Q q 0 0 0 rg BT 70.91 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 88.48 322.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 126.61 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.19 322.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 190.10 322.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 213.23 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.03 322.10 Td (accountants, ) Tj ET Q q 0 0 0 rg BT 280.87 322.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 320.66 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.23 322.10 Td (others. ) Tj ET Q q 0 0 0 rg BT 368.31 322.10 Td (If ) Tj ET Q q 0 0 0 rg BT 378.10 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 385.68 322.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 422.14 322.10 Td (is ) Tj ET Q q 0 0 0 rg BT 431.95 322.10 Td (made ) Tj ET Q q 0 0 0 rg BT 456.74 322.10 Td (not ) Tj ET Q q 0 0 0 rg BT 472.65 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.57 322.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 523.35 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 530.93 322.10 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 95.38 310.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 143.24 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.95 310.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 178.44 310.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 213.25 310.10 Td (up ) Tj ET Q q 0 0 0 rg BT 224.75 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.02 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 250.50 310.10 Td (point ) Tj ET Q q 0 0 0 rg BT 272.55 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 285.71 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.42 310.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 337.57 310.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 382.94 310.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 407.20 310.10 Td (would ) Tj ET Q q 0 0 0 rg BT 433.70 310.10 Td (not ) Tj ET Q q 0 0 0 rg BT 447.97 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 458.90 310.10 Td (recoverable. ) Tj ET Q q 0 0 0 rg BT 509.52 310.10 Td (Furthermore, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (even ) Tj ET Q q 0 0 0 rg BT 71.04 298.10 Td (if ) Tj ET Q q 0 0 0 rg BT 79.31 298.10 Td (an ) Tj ET Q q 0 0 0 rg BT 90.91 298.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 134.72 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 143.55 298.10 Td (reached ) Tj ET Q q 0 0 0 rg BT 176.80 298.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 209.50 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.44 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 226.04 298.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 259.30 298.10 Td (tar) Tj ET Q q 0 0 0 rg BT 269.67 298.10 Td (get ) Tj ET Q q 0 0 0 rg BT 284.05 298.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 329.27 298.10 Td (we ) Tj ET Q q 0 0 0 rg BT 343.10 298.10 Td (may ) Tj ET Q q 0 0 0 rg BT 362.48 298.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 377.96 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.91 298.10 Td (consummate ) Tj ET Q q 0 0 0 rg BT 440.61 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.99 298.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 501.03 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.85 298.10 Td (any ) Tj ET Q q 0 0 0 rg BT 531.45 298.10 Td (number ) 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 60.48 286.10 Td (reasons, ) Tj ET Q q 0 0 0 rg BT 95.13 286.10 Td (including ) Tj ET Q q 0 0 0 rg BT 135.05 286.10 Td (those ) Tj ET Q q 0 0 0 rg BT 158.32 286.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 189.91 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 205.39 286.10 Td (control. ) Tj ET Q q 0 0 0 rg BT 237.89 286.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 257.27 286.10 Td (such ) Tj ET Q q 0 0 0 rg BT 277.75 286.10 Td (event ) Tj ET Q q 0 0 0 rg BT 301.56 286.10 Td (will ) Tj ET Q q 0 0 0 rg BT 319.27 286.10 Td (result ) Tj ET Q q 0 0 0 rg BT 343.64 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 353.57 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 360.16 286.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 377.88 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.81 286.10 Td (us ) Tj ET Q q 0 0 0 rg BT 398.86 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.34 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.71 286.10 Td (related ) Tj ET Q q 0 0 0 rg BT 453.06 286.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 475.22 286.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 513.19 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 539.78 286.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 93.04 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.98 274.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 150.79 274.10 Td (af) Tj ET Q q 0 0 0 rg BT 158.38 274.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 175.86 274.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 222.80 274.10 Td (attempts ) Tj ET Q q 0 0 0 rg BT 259.18 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.46 274.10 Td (locate ) Tj ET Q q 0 0 0 rg BT 295.83 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.77 274.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 344.70 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 355.53 274.10 Td (mer) Tj ET Q q 0 0 0 rg BT 370.89 274.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 382.83 274.10 Td (with ) Tj ET Q q 0 0 0 rg BT 403.11 274.10 Td (another ) Tj ET Q q 0 0 0 rg BT 435.60 274.10 Td (institution.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 256.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 102.79 256.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 124.18 256.10 Td (may ) Tj ET Q q 0 0 0 rg BT 143.90 256.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 175.29 256.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.24 256.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 223.64 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 241.70 256.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 274.75 256.10 Td (us ) Tj ET Q q 0 0 0 rg BT 286.70 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 309.20 256.10 Td (ef) Tj ET Q q 0 0 0 rg BT 316.79 256.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 353.15 256.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 412.32 256.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.27 256.10 Td (business ) Tj ET Q q 0 0 0 rg BT 466.79 256.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 498.63 256.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 238.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 238.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.26 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 99.65 238.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 130.17 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 140.13 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.53 238.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 186.71 238.10 Td (we ) Tj ET Q q 0 0 0 rg BT 200.55 238.10 Td (can ) Tj ET Q q 0 0 0 rg BT 216.61 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 236.01 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.98 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 252.60 238.10 Td (single ) Tj ET Q q 0 0 0 rg BT 278.67 238.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 317.50 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.69 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.09 238.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 376.27 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.78 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 402.30 238.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 433.63 238.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 460.81 238.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 511.31 238.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 545.71 238.10 Td (law) Tj ET Q q 0 0 0 rg BT 559.50 238.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.34 226.10 Td (total ) Tj ET Q q 0 0 0 rg BT 86.24 226.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 112.12 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 123.57 226.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 157.24 226.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 197.58 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.03 226.10 Td (any ) Tj ET Q q 0 0 0 rg BT 226.59 226.10 Td (one ) Tj ET Q q 0 0 0 rg BT 244.15 226.10 Td (obligor ) Tj ET Q q 0 0 0 rg BT 276.16 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 294.28 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 309.61 226.10 Td (not ) Tj ET Q q 0 0 0 rg BT 325.51 226.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 347.52 226.10 Td (secured, ) Tj ET Q q 0 0 0 rg BT 383.68 226.10 Td (however ) Tj ET Q q 0 0 0 rg BT 421.23 226.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 460.17 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.07 226.10 Td (any ) Tj ET Q q 0 0 0 rg BT 488.63 226.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 540.07 226.10 Td (bank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (exclusive ) Tj ET Q q 0 0 0 rg BT 90.12 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.81 214.10 Td (such ) Tj ET Q q 0 0 0 rg BT 121.49 214.10 Td (bank) Tj ET Q q 0 0 0 rg BT 143.71 214.10 Td (s ) Tj ET Q q 0 0 0 rg BT 149.96 214.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 196.19 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 206.33 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.90 214.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 267.14 214.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 307.26 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.94 214.10 Td (such ) Tj ET Q q 0 0 0 rg BT 338.63 214.10 Td (obligor) Tj ET Q q 0 0 0 rg BT 367.12 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 371.97 214.10 Td (shall ) Tj ET Q q 0 0 0 rg BT 393.22 214.10 Td (not ) Tj ET Q q 0 0 0 rg BT 408.35 214.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 438.46 214.10 Td (at ) Tj ET Q q 0 0 0 rg BT 448.03 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.60 214.10 Td (time ) Tj ET Q q 0 0 0 rg BT 482.73 214.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 518.41 214.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 539.09 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 214.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.72 202.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 107.09 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.25 202.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 167.50 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 181.88 202.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 201.82 202.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 228.43 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.48 202.10 Td (such ) Tj ET Q q 0 0 0 rg BT 260.54 202.10 Td (bank. ) Tj ET Q q 0 0 0 rg BT 285.00 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 303.27 202.10 Td (total ) Tj ET Q q 0 0 0 rg BT 323.76 202.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 349.25 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 360.30 202.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 393.56 202.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 433.50 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.55 202.10 Td (any ) Tj ET Q q 0 0 0 rg BT 461.71 202.10 Td (one ) Tj ET Q q 0 0 0 rg BT 478.87 202.10 Td (obligor ) Tj ET Q q 0 0 0 rg BT 510.48 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 528.19 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 543.12 202.10 Td (fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (secured, ) Tj ET Q q 0 0 0 rg BT 86.19 190.10 Td (however ) Tj ET Q q 0 0 0 rg BT 123.76 190.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 162.73 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 173.66 190.10 Td (any ) Tj ET Q q 0 0 0 rg BT 191.25 190.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 242.71 190.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 267.80 190.10 Td (exclusive ) Tj ET Q q 0 0 0 rg BT 308.72 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.20 190.10 Td (such ) Tj ET Q q 0 0 0 rg BT 341.67 190.10 Td (bank) Tj ET Q q 0 0 0 rg BT 363.89 190.10 Td (s ) Tj ET Q q 0 0 0 rg BT 370.93 190.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 417.96 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 428.89 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.26 190.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 491.29 190.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 532.20 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.68 190.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (obligor) Tj ET Q q 0 0 0 rg BT 78.49 178.10 Td (, ) Tj ET Q q 0 0 0 rg BT 83.45 178.10 Td (shall ) Tj ET Q q 0 0 0 rg BT 104.80 178.10 Td (not ) Tj ET Q q 0 0 0 rg BT 120.05 178.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 150.26 178.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.95 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.63 178.10 Td (time ) Tj ET Q q 0 0 0 rg BT 194.87 178.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 230.65 178.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 251.44 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.24 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.92 178.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 304.38 178.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 333.49 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.40 178.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 393.39 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 407.52 178.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 427.20 178.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 453.56 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.35 178.10 Td (such ) Tj ET Q q 0 0 0 rg BT 485.15 178.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 509.55 178.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 547.56 178.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (limitation ) Tj ET Q q 0 0 0 rg BT 91.14 166.10 Td (shall ) Tj ET Q q 0 0 0 rg BT 112.28 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 123.96 166.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 158.97 166.10 Td (from ) Tj ET Q q 0 0 0 rg BT 180.66 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.35 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.38 166.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 242.40 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.43 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.90 166.10 Td (limitation ) Tj ET Q q 0 0 0 rg BT 308.04 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 320.29 166.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 359.76 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 377.00 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 391.46 166.10 Td (not ) Tj ET Q q 0 0 0 rg BT 406.49 166.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 427.63 166.10 Td (secured. ) Tj ET Q q 0 0 0 rg BT 462.75 166.10 Td (W) Tj ET Q q 0 0 0 rg BT 471.39 166.10 Td (e ) Tj ET Q q 0 0 0 rg BT 478.08 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 499.21 166.10 Td (also ) Tj ET Q q 0 0 0 rg BT 517.57 166.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (an ) Tj ET Q q 0 0 0 rg BT 61.58 154.10 Td (informal, ) Tj ET Q q 0 0 0 rg BT 100.65 154.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 133.33 154.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 165.47 154.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 186.50 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.42 154.10 Td (one ) Tj ET Q q 0 0 0 rg BT 213.00 154.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 262.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.82 154.10 Td (up ) Tj ET Q q 0 0 0 rg BT 284.96 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.88 154.10 Td (40% ) Tj ET Q q 0 0 0 rg BT 315.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.82 154.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 373.50 154.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 402.29 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.87 154.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 461.54 154.10 Td (for ) Tj ET Q q 0 0 0 rg BT 475.34 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 494.70 154.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 523.23 154.10 Td (if ) Tj ET Q q 0 0 0 rg BT 531.48 154.10 Td (secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.37 142.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 111.94 142.10 Td (real ) Tj ET Q q 0 0 0 rg BT 129.30 142.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 156.41 142.10 Td (A) Tj ET Q q 0 0 0 rg BT 163.08 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.45 142.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 215.04 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.19 142.10 Td (this ) Tj ET Q q 0 0 0 rg BT 242.01 142.10 Td (instance ) Tj ET Q q 0 0 0 rg BT 277.14 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 286.19 142.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 318.54 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 329.24 142.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 352.73 142.10 Td (made ) Tj ET Q q 0 0 0 rg BT 376.75 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.90 142.10 Td (dif) Tj ET Q q 0 0 0 rg BT 397.83 142.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 423.52 142.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 454.77 142.10 Td (but ) Tj ET Q q 0 0 0 rg BT 469.92 142.10 Td (with ) Tj ET Q q 0 0 0 rg BT 490.07 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 496.88 142.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 525.35 142.10 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (principal\(s\). ) Tj ET Q q 0 0 0 rg BT 101.81 130.10 Td (For ) Tj ET Q q 0 0 0 rg BT 118.92 130.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 162.69 130.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 189.52 130.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 215.52 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 230.94 130.10 Td (set ) Tj ET Q q 0 0 0 rg BT 245.27 130.10 Td (so ) Tj ET Q q 0 0 0 rg BT 257.38 130.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.93 130.10 Td (not ) Tj ET Q q 0 0 0 rg BT 284.92 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.92 130.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 326.89 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.32 130.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 380.54 130.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 424.31 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.85 130.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 457.40 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.95 130.10 Td (unimpaired ) Tj ET Q q 0 0 0 rg BT 517.71 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 547.58 130.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 92.63 118.10 Td (for ) Tj ET Q q 0 0 0 rg BT 106.39 118.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 125.71 118.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 154.20 118.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 180.74 118.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 202.84 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 218.27 118.10 Td (current ) Tj ET Q q 0 0 0 rg BT 248.68 118.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 277.43 118.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 302.86 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.39 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 334.82 118.10 Td (informal, ) Tj ET Q q 0 0 0 rg BT 373.86 118.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 406.50 118.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 427.49 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 439.59 118.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 465.30 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.61 118.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 511.71 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 525.47 118.10 Td (may ) Tj ET Q q 0 0 0 rg BT 544.79 118.10 Td (lend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (both ) Tj ET Q q 0 0 0 rg BT 71.08 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 82.16 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.68 106.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 139.85 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.59 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 168.67 106.10 Td (any ) Tj ET Q q 0 0 0 rg BT 186.41 106.10 Td (one ) Tj ET Q q 0 0 0 rg BT 204.16 106.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 244.11 106.10 Td (is ) Tj ET Q q 0 0 0 rg BT 254.08 106.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 307.38 106.10 Td (less ) Tj ET Q q 0 0 0 rg BT 325.68 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 346.20 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 364.50 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.13 106.10 Td (many ) Tj ET Q q 0 0 0 rg BT 401.65 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.28 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.92 106.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 480.43 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.17 106.10 Td (may ) Tj ET Q q 0 0 0 rg BT 518.69 106.10 Td (discourage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.81 94.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 131.17 94.10 Td (who ) Tj ET Q q 0 0 0 rg BT 151.22 94.10 Td (have ) Tj ET Q q 0 0 0 rg BT 172.92 94.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 198.50 94.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 224.09 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.69 94.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 263.61 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.76 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 290.91 94.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 323.73 94.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 345.44 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 367.70 94.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 393.30 94.10 Td (business ) Tj ET Q q 0 0 0 rg BT 430.01 94.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.61 94.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 464.62 94.10 Td (W) Tj ET Q q 0 0 0 rg BT 473.26 94.10 Td (e ) Tj ET Q q 0 0 0 rg BT 480.52 94.10 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 538.87 94.10 Td (lar) Tj ET Q q 0 0 0 rg BT 549.24 94.10 Td (ger ) 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 73.94 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 86.77 82.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 116.26 82.10 Td (participations ) Tj ET Q q 0 0 0 rg BT 173.52 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 184.12 82.10 Td (those ) Tj ET Q q 0 0 0 rg BT 208.06 82.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 232.00 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.60 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 265.98 82.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.79 82.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 353.57 82.10 Td (but ) Tj ET Q q 0 0 0 rg BT 369.18 82.10 Td (this ) Tj ET Q q 0 0 0 rg BT 386.45 82.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 420.94 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 440.98 82.10 Td (not ) Tj ET Q q 0 0 0 rg BT 456.59 82.10 Td (always ) Tj ET Q q 0 0 0 rg BT 487.19 82.10 Td (be ) Tj ET Q q 0 0 0 rg BT 499.46 82.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 540.87 82.10 Td (If ) Tj ET Q q 0 0 0 rg BT 550.36 82.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.69 70.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 93.83 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.09 70.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 140.45 70.10 Td (ef) Tj ET Q q 0 0 0 rg BT 148.04 70.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 185.50 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 199.65 70.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.24 70.10 Td (from ) Tj ET Q q 0 0 0 rg BT 245.16 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 260.98 70.10 Td (tar) Tj ET Q q 0 0 0 rg BT 271.34 70.10 Td (get ) Tj ET Q q 0 0 0 rg BT 286.04 70.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 331.58 70.10 Td (we ) Tj ET Q q 0 0 0 rg BT 345.72 70.10 Td (may ) Tj ET Q q 0 0 0 rg BT 365.42 70.10 Td (not ) Tj ET Q q 0 0 0 rg BT 380.68 70.10 Td (be ) Tj ET Q q 0 0 0 rg BT 392.61 70.10 Td (able ) Tj ET Q q 0 0 0 rg BT 411.75 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.01 70.10 Td (ef) Tj ET Q q 0 0 0 rg BT 429.60 70.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 467.06 70.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 512.32 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.13 70.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 81.01 58.10 Td (, ) Tj ET Q q 0 0 0 rg BT 85.34 58.10 Td (which ) Tj ET Q q 0 0 0 rg BT 111.61 58.10 Td (could ) Tj ET Q q 0 0 0 rg BT 135.66 58.10 Td (have ) Tj ET Q q 0 0 0 rg BT 156.37 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.64 58.10 Td (material ) Tj ET Q q 0 0 0 rg BT 197.24 58.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 229.61 58.10 Td (ef) Tj ET Q q 0 0 0 rg BT 237.19 58.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 254.01 58.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.85 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 281.01 58.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 319.24 58.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.05 58.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 398.16 58.10 Td (results ) Tj ET Q q 0 0 0 rg BT 426.10 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.26 58.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 479.75 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.02 58.10 Td (future ) Tj ET Q q 0 0 0 rg BT 521.73 58.10 Td (prospects.) 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 (23) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.85 742.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.43 742.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 127.91 742.25 Td (on ) Tj ET Q q 0 0 0 rg BT 141.73 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 159.44 742.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 201.01 742.25 Td (management ) Tj ET Q q 0 0 0 rg BT 257.60 742.25 Td (team ) Tj ET Q q 0 0 0 rg BT 280.86 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 299.68 742.25 Td (other ) Tj ET Q q 0 0 0 rg BT 324.60 742.25 Td (key ) Tj ET Q q 0 0 0 rg BT 341.74 742.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 387.20 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.02 742.25 Td (we ) Tj ET Q q 0 0 0 rg BT 420.39 742.25 Td (could ) Tj ET Q q 0 0 0 rg BT 446.42 742.25 Td (be ) Tj ET Q q 0 0 0 rg BT 459.12 742.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 500.69 742.25 Td (af) Tj ET Q q 0 0 0 rg BT 508.84 742.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 536.53 742.25 Td (by ) Tj ET Q q 0 0 0 rg BT 549.22 742.25 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 99.16 730.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 117.22 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.05 730.25 Td (their ) Tj ET Q q 0 0 0 rg BT 150.00 730.25 Td (services.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 712.25 Td (e ) Tj ET Q q 0 0 0 rg BT 84.66 712.25 Td (are ) Tj ET Q q 0 0 0 rg BT 98.45 712.25 Td (led ) Tj ET Q q 0 0 0 rg BT 112.25 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 123.83 712.25 Td (an ) Tj ET Q q 0 0 0 rg BT 134.85 712.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 184.73 712.25 Td (core ) Tj ET Q q 0 0 0 rg BT 203.52 712.25 Td (management ) Tj ET Q q 0 0 0 rg BT 256.19 712.25 Td (team ) Tj ET Q q 0 0 0 rg BT 277.21 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 296.57 712.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 340.92 712.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 385.81 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 395.17 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.96 712.25 Td (market ) Tj ET Q q 0 0 0 rg BT 438.31 712.25 Td (that ) Tj ET Q q 0 0 0 rg BT 454.89 712.25 Td (we ) Tj ET Q q 0 0 0 rg BT 468.13 712.25 Td (serve, ) Tj ET Q q 0 0 0 rg BT 493.31 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 509.33 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(rates ) Tj ET Q q 0 0 0 rg BT 547.56 544.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 92.28 532.25 Td (instability ) Tj ET Q q 0 0 0 rg BT 135.13 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 145.75 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.82 532.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 190.31 532.25 Td (markets. ) Tj ET Q q 0 0 0 rg BT 226.69 532.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 246.75 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.93 532.25 Td (these ) Tj ET Q q 0 0 0 rg BT 281.32 532.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 313.88 532.25 Td (among ) Tj ET Q q 0 0 0 rg BT 343.94 532.25 Td (others, ) Tj ET Q q 0 0 0 rg BT 373.73 532.25 Td (could ) Tj ET Q q 0 0 0 rg BT 398.79 532.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 423.84 532.25 Td (other) Tj ET Q q 0 0 0 rg BT 444.19 532.25 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 512.01 532.25 Td (impairments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.04 520.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 101.27 520.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 129.42 520.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 173.65 520.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.14 520.25 Td (in ) Tj ET Q q 0 0 0 rg BT 210.52 520.25 Td (future ) Tj ET Q q 0 0 0 rg BT 236.99 520.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 269.03 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 286.06 520.25 Td (declines ) Tj ET Q q 0 0 0 rg BT 321.42 520.25 Td (in ) Tj ET Q q 0 0 0 rg BT 331.80 520.25 Td (other ) Tj ET Q q 0 0 0 rg BT 354.94 520.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 418.07 520.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 452.60 520.25 Td (which ) Tj ET Q q 0 0 0 rg BT 479.63 520.25 Td (could ) Tj ET Q q 0 0 0 rg BT 504.45 520.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 547.58 520.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 92.17 508.25 Td (af) Tj ET Q q 0 0 0 rg BT 99.76 508.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 118.61 508.25 Td (our ) Tj ET Q q 0 0 0 rg BT 135.80 508.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 176.05 508.25 Td (results ) Tj ET Q q 0 0 0 rg BT 206.02 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.21 508.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 266.22 508.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.06 508.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 346.69 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 364.99 508.25 Td (prospects. ) Tj ET Q q 0 0 0 rg BT 408.84 508.25 Td (The ) Tj ET Q q 0 0 0 rg BT 428.25 508.25 Td (process ) Tj ET Q q 0 0 0 rg BT 462.10 508.25 Td (for ) Tj ET Q q 0 0 0 rg BT 477.61 508.25 Td (determining ) Tj ET Q q 0 0 0 rg BT 529.79 508.25 Td (whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 100.10 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 112.42 496.25 Td (a ) Tj ET Q q 0 0 0 rg BT 120.86 496.25 Td (security ) Tj ET Q q 0 0 0 rg BT 156.51 496.25 Td (is ) Tj ET Q q 0 0 0 rg BT 167.18 496.25 Td (other) Tj ET Q q 0 0 0 rg BT 187.53 496.25 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 256.50 496.25 Td (usually ) Tj ET Q q 0 0 0 rg BT 289.38 496.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 325.58 496.25 Td (complex, ) Tj ET Q q 0 0 0 rg BT 366.52 496.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 411.05 496.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 456.72 496.25 Td (about ) Tj ET Q q 0 0 0 rg BT 482.93 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 499.15 496.25 Td (future ) Tj ET Q q 0 0 0 rg BT 527.02 496.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 103.33 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.57 484.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 157.27 484.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.40 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.42 484.25 Td (issuer ) Tj ET Q q 0 0 0 rg BT 209.55 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.80 484.25 Td (any ) Tj ET Q q 0 0 0 rg BT 244.04 484.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 284.04 484.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 330.17 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.19 484.25 Td (security ) Tj ET Q q 0 0 0 rg BT 379.65 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 390.23 484.25 Td (order ) Tj ET Q q 0 0 0 rg BT 414.14 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 424.72 484.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 451.97 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.99 484.25 Td (probability ) Tj ET Q q 0 0 0 rg BT 513.67 484.25 Td (of ) Tj ET Q q 0 0 0 rg BT 524.81 484.25 Td (receiving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (all ) Tj ET Q q 0 0 0 rg BT 62.50 472.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 109.41 472.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 147.46 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 164.39 472.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 196.33 472.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 237.15 472.25 Td (on ) Tj ET Q q 0 0 0 rg BT 249.65 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.37 472.25 Td (security) Tj ET Q q 0 0 0 rg BT 295.38 472.25 Td (.) Tj ET Q BT /F4 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 58.15 454.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.67 454.25 Td (may ) Tj ET Q q 0 0 0 rg BT 85.97 454.25 Td (be ) Tj ET Q q 0 0 0 rg BT 98.50 454.25 Td (required ) Tj ET Q q 0 0 0 rg BT 136.58 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 147.45 454.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 196.64 454.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 238.62 454.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 263.93 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 275.91 454.25 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 320.66 454.25 Td (buyers ) Tj ET Q q 0 0 0 rg BT 350.97 454.25 Td (against ) Tj ET Q q 0 0 0 rg BT 384.06 454.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 411.04 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 422.46 454.25 Td (some ) Tj ET Q q 0 0 0 rg BT 446.66 454.25 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 511.13 454.25 Td (which ) Tj ET Q q 0 0 0 rg BT 539.22 454.25 Td (could ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (harm ) Tj ET Q q 0 0 0 rg BT 74.73 442.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 108.25 442.25 Td (, ) Tj ET Q q 0 0 0 rg BT 113.25 442.25 Td (results ) Tj ET Q q 0 0 0 rg BT 142.98 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 153.81 442.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 199.65 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 217.71 442.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 257.44 442.25 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 424.25 Td (When ) Tj ET Q q 0 0 0 rg BT 96.62 424.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 137.13 424.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 160.99 424.25 Td (are ) Tj ET Q q 0 0 0 rg BT 175.94 424.25 Td (sold, ) Tj ET Q q 0 0 0 rg BT 197.85 424.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 232.81 424.25 Td (as ) Tj ET Q q 0 0 0 rg BT 243.88 424.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 271.07 424.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 294.92 424.25 Td (or ) Tj ET Q q 0 0 0 rg BT 306.00 424.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 343.18 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 353.70 424.25 Td (a ) Tj ET Q q 0 0 0 rg BT 360.89 424.25 Td (securitization, ) Tj ET Q q 0 0 0 rg BT 420.00 424.25 Td (we ) Tj ET Q q 0 0 0 rg BT 434.41 424.25 Td (are ) Tj ET Q q 0 0 0 rg BT 449.36 424.25 Td (required ) Tj ET Q q 0 0 0 rg BT 485.42 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.94 424.25 Td (make ) Tj ET Q q 0 0 0 rg BT 520.35 424.25 Td (customary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (representations ) Tj ET Q q 0 0 0 rg BT 111.96 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 127.83 412.25 Td (warranties ) Tj ET Q q 0 0 0 rg BT 170.90 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 180.10 412.25 Td (purchasers, ) Tj ET Q q 0 0 0 rg BT 226.79 412.25 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 270.42 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 286.29 412.25 Td (insurers, ) Tj ET Q q 0 0 0 rg BT 321.88 412.25 Td (including ) Tj ET Q q 0 0 0 rg BT 361.08 412.25 Td (government-sponsored ) Tj ET Q q 0 0 0 rg BT 454.15 412.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 486.96 412.25 Td (about ) Tj ET Q q 0 0 0 rg BT 510.60 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 412.25 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.47 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 90.27 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.85 400.25 Td (manner ) Tj ET Q q 0 0 0 rg BT 137.19 400.25 Td (in ) Tj ET Q q 0 0 0 rg BT 147.33 400.25 Td (which ) Tj ET Q q 0 0 0 rg BT 174.13 400.25 Td (they ) Tj ET Q q 0 0 0 rg BT 193.71 400.25 Td (were ) Tj ET Q q 0 0 0 rg BT 215.50 400.25 Td (originated. ) Tj ET Q q 0 0 0 rg BT 260.73 400.25 Td (Whole ) Tj ET Q q 0 0 0 rg BT 289.75 400.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 309.32 400.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 327.23 400.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 375.13 400.25 Td (require ) Tj ET Q q 0 0 0 rg BT 405.80 400.25 Td (us ) Tj ET Q q 0 0 0 rg BT 417.05 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.19 400.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 472.86 400.25 Td (or ) Tj ET Q q 0 0 0 rg BT 483.55 400.25 Td (substitute ) Tj ET Q q 0 0 0 rg BT 524.25 400.25 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 76.88 388.25 Td (or ) Tj ET Q q 0 0 0 rg BT 88.48 388.25 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 132.86 388.25 Td (buyers ) Tj ET Q q 0 0 0 rg BT 162.79 388.25 Td (against ) Tj ET Q q 0 0 0 rg BT 194.38 388.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 224.05 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 235.10 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.59 388.25 Td (event ) Tj ET Q q 0 0 0 rg BT 275.51 388.25 Td (we ) Tj ET Q q 0 0 0 rg BT 290.44 388.25 Td (breach ) Tj ET Q q 0 0 0 rg BT 320.36 388.25 Td (these ) Tj ET Q q 0 0 0 rg BT 344.18 388.25 Td (representations ) Tj ET Q q 0 0 0 rg BT 407.98 388.25 Td (or ) Tj ET Q q 0 0 0 rg BT 419.58 388.25 Td (warranties. ) Tj ET Q q 0 0 0 rg BT 467.00 388.25 Td (In ) Tj ET Q q 0 0 0 rg BT 478.60 388.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 517.15 388.25 Td (we ) Tj ET Q q 0 0 0 rg BT 532.08 388.25 Td (may ) Tj ET Q q 0 0 0 rg BT 552.57 388.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (required ) Tj ET Q q 0 0 0 rg BT 85.68 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.83 376.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 141.50 376.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 181.63 376.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 205.11 376.25 Td (as ) Tj ET Q q 0 0 0 rg BT 215.80 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 222.61 376.25 Td (result ) Tj ET Q q 0 0 0 rg BT 247.19 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.89 376.25 Td (early ) Tj ET Q q 0 0 0 rg BT 280.24 376.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 317.04 376.25 Td (default ) Tj ET Q q 0 0 0 rg BT 347.18 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.87 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 372.46 376.25 Td (borrower ) Tj ET Q q 0 0 0 rg BT 411.47 376.25 Td (on ) Tj ET Q q 0 0 0 rg BT 423.84 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 430.65 376.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 470.78 376.25 Td (loan. ) Tj ET Q q 0 0 0 rg BT 492.86 376.25 Td (If ) Tj ET Q q 0 0 0 rg BT 501.89 376.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 547.56 376.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (indemnity ) Tj ET Q q 0 0 0 rg BT 92.27 364.25 Td (demands ) Tj ET Q q 0 0 0 rg BT 129.54 364.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 164.02 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 180.18 364.25 Td (such ) Tj ET Q q 0 0 0 rg BT 200.23 364.25 Td (demands ) Tj ET Q q 0 0 0 rg BT 237.50 364.25 Td (are ) Tj ET Q q 0 0 0 rg BT 251.43 364.25 Td (valid ) Tj ET Q q 0 0 0 rg BT 273.15 364.25 Td (claims ) Tj ET Q q 0 0 0 rg BT 300.98 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.14 364.25 Td (are ) Tj ET Q q 0 0 0 rg BT 331.07 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 340.57 364.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 368.39 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 378.44 364.25 Td (our ) Tj ET Q q 0 0 0 rg BT 393.50 364.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 433.00 364.25 Td (for ) Tj ET Q q 0 0 0 rg BT 446.38 364.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 483.09 364.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 511.21 364.25 Td (our ) Tj ET Q q 0 0 0 rg BT 526.26 364.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 559.50 364.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (results ) Tj ET Q q 0 0 0 rg BT 78.61 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 89.44 352.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 133.59 352.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.53 352.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.01 352.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 228.29 352.25 Td (may ) Tj ET Q q 0 0 0 rg BT 248.00 352.25 Td (be ) Tj ET Q q 0 0 0 rg BT 259.94 352.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 300.76 352.25 Td (af) Tj ET Q q 0 0 0 rg BT 308.34 352.25 Td (fected.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 108.90 334.25 Td (results ) Tj ET Q q 0 0 0 rg BT 138.63 334.25 Td (depend ) Tj ET Q q 0 0 0 rg BT 170.57 334.25 Td (on ) Tj ET Q q 0 0 0 rg BT 183.63 334.25 Td (management) Tj ET Q q 0 0 0 rg BT 239.56 334.25 Td (s ) Tj ET Q q 0 0 0 rg BT 245.95 334.25 Td (selection ) Tj ET Q q 0 0 0 rg BT 284.55 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 295.38 334.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 344.00 334.25 Td (methods ) Tj ET Q q 0 0 0 rg BT 380.95 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 399.01 334.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 430.40 334.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 484.03 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 502.09 334.25 Td (estimates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 316.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.17 316.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 123.76 316.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 163.15 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 179.21 316.25 Td (results ) Tj ET Q q 0 0 0 rg BT 206.93 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.87 316.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 260.14 316.25 Td (are ) Tj ET Q q 0 0 0 rg BT 273.97 316.25 Td (based ) Tj ET Q q 0 0 0 rg BT 298.35 316.25 Td (on ) Tj ET Q q 0 0 0 rg BT 309.97 316.25 Td (our ) Tj ET Q q 0 0 0 rg BT 324.91 316.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 377.07 316.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 413.66 316.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 459.99 316.25 Td (which ) Tj ET Q q 0 0 0 rg BT 486.04 316.25 Td (have ) Tj ET Q q 0 0 0 rg BT 506.54 316.25 Td (been ) Tj ET Q q 0 0 0 rg BT 527.03 316.25 Td (prepared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.46 304.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 108.10 304.25 Td (with ) Tj ET Q q 0 0 0 rg BT 127.97 304.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 177.30 304.25 Td (Principles ) Tj ET Q q 0 0 0 rg BT 219.98 304.25 Td (Generally ) Tj ET Q q 0 0 0 rg BT 261.49 304.25 Td (Accepted ) Tj ET Q q 0 0 0 rg BT 301.93 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 312.39 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.28 304.25 Td (United ) Tj ET Q q 0 0 0 rg BT 357.18 304.25 Td (States, ) Tj ET Q q 0 0 0 rg BT 386.25 304.25 Td (or ) Tj ET Q q 0 0 0 rg BT 397.26 304.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 423.38 304.25 Td (, ) Tj ET Q q 0 0 0 rg BT 428.56 304.25 Td (and ) Tj ET Q q 0 0 0 rg BT 445.68 304.25 Td (with ) Tj ET Q q 0 0 0 rg BT 466.14 304.25 Td (general ) Tj ET Q q 0 0 0 rg BT 498.24 304.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 536.45 304.25 Td (within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.98 292.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 102.72 292.25 Td (services ) Tj ET Q q 0 0 0 rg BT 137.70 292.25 Td (industry) Tj ET Q q 0 0 0 rg BT 169.82 292.25 Td (. ) Tj ET Q q 0 0 0 rg BT 174.89 292.25 Td (The ) Tj ET Q q 0 0 0 rg BT 193.20 292.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 241.49 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 252.59 292.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 290.33 292.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 335.31 292.25 Td (in ) Tj ET Q q 0 0 0 rg BT 345.85 292.25 Td (conformity ) Tj ET Q q 0 0 0 rg BT 393.05 292.25 Td (with ) Tj ET Q q 0 0 0 rg BT 413.59 292.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 440.44 292.25 Td ( ) Tj ET Q q 0 0 0 rg BT 443.21 292.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 478.18 292.25 Td (us ) Tj ET Q q 0 0 0 rg BT 489.83 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 500.38 292.25 Td (make ) Tj ET Q q 0 0 0 rg BT 524.80 292.25 Td (estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.53 280.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 118.06 280.25 Td (that ) Tj ET Q q 0 0 0 rg BT 135.15 280.25 Td (af) Tj ET Q q 0 0 0 rg BT 142.74 280.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 159.81 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 174.12 280.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 209.52 280.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 245.50 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.92 280.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 285.21 280.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 310.63 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 327.15 280.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 368.96 280.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 411.59 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.01 280.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 466.31 280.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 491.73 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 508.26 280.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 547.57 280.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.44 268.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 101.98 268.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 135.20 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 146.75 268.25 Td (related ) Tj ET Q q 0 0 0 rg BT 177.18 268.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 215.94 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.60 268.25 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 275.43 268.25 Td (Certain ) Tj ET Q q 0 0 0 rg BT 308.08 268.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 355.18 268.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 389.51 268.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 433.27 268.25 Td (are ) Tj ET Q q 0 0 0 rg BT 448.71 268.25 Td (based ) Tj ET Q q 0 0 0 rg BT 474.70 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 485.70 268.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.36 268.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 524.34 268.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 552.00 268.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 92.31 256.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 144.37 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.41 256.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 205.67 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.61 256.25 Td (management ) Tj ET Q q 0 0 0 rg BT 270.30 256.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 289.84 256.25 Td (as ) Tj ET Q q 0 0 0 rg BT 300.77 256.25 Td (such, ) Tj ET Q q 0 0 0 rg BT 324.20 256.25 Td (have ) Tj ET Q q 0 0 0 rg BT 345.68 256.25 Td (a ) Tj ET Q q 0 0 0 rg BT 352.72 256.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 383.08 256.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 427.36 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 438.29 256.25 Td (producing ) Tj ET Q q 0 0 0 rg BT 481.44 256.25 Td (results ) Tj ET Q q 0 0 0 rg BT 510.15 256.25 Td (that ) Tj ET Q q 0 0 0 rg BT 527.75 256.25 Td (could ) Tj ET Q q 0 0 0 rg BT 552.57 256.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 93.41 244.25 Td (dif) Tj ET Q q 0 0 0 rg BT 104.34 244.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 130.53 244.25 Td (than ) Tj ET Q q 0 0 0 rg BT 150.62 244.25 Td (originally ) Tj ET Q q 0 0 0 rg BT 192.38 244.25 Td (reported. ) Tj ET Q q 0 0 0 rg BT 230.86 244.25 Td (They ) Tj ET Q q 0 0 0 rg BT 254.28 244.25 Td (require ) Tj ET Q q 0 0 0 rg BT 285.47 244.25 Td (management ) Tj ET Q q 0 0 0 rg BT 339.44 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 350.09 244.25 Td (make ) Tj ET Q q 0 0 0 rg BT 374.62 244.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 418.04 244.25 Td (or ) Tj ET Q q 0 0 0 rg BT 429.24 244.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 466.55 244.25 Td (judgments, ) Tj ET Q q 0 0 0 rg BT 513.59 244.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 553.68 244.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 106.06 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 124.60 232.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 160.92 232.25 Td (in ) Tj ET Q q 0 0 0 rg BT 172.80 232.25 Td (those ) Tj ET Q q 0 0 0 rg BT 198.02 232.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 239.34 232.25 Td (or ) Tj ET Q q 0 0 0 rg BT 251.77 232.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 305.33 232.25 Td (could ) Tj ET Q q 0 0 0 rg BT 331.65 232.25 Td (have ) Tj ET Q q 0 0 0 rg BT 354.64 232.25 Td (a ) Tj ET Q q 0 0 0 rg BT 363.18 232.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 409.50 232.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 440.82 232.25 Td (on ) Tj ET Q q 0 0 0 rg BT 454.93 232.25 Td (our ) Tj ET Q q 0 0 0 rg BT 472.37 232.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 527.02 232.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 96.89 220.25 Td (These ) Tj ET Q q 0 0 0 rg BT 123.11 220.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 153.21 220.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 199.43 220.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 232.88 220.25 Td (include ) Tj ET Q q 0 0 0 rg BT 264.66 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 279.22 220.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 295.44 220.25 Td (value ) Tj ET Q q 0 0 0 rg BT 319.44 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 330.12 220.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 366.89 220.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 395.06 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.62 220.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 452.50 220.25 Td (for ) Tj ET Q q 0 0 0 rg BT 466.51 220.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 486.07 220.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 514.81 220.25 Td (stock-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 107.99 208.25 Td (and ) Tj ET Q q 0 0 0 rg BT 124.88 208.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 167.30 208.25 Td (instrument ) Tj ET Q q 0 0 0 rg BT 212.53 208.25 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 254.69 208.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 290.45 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 301.23 208.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.89 208.25 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 363.32 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.10 208.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 413.76 208.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 451.20 208.25 Td (in ) Tj ET Q q 0 0 0 rg BT 461.43 208.25 Td (these ) Tj ET Q q 0 0 0 rg BT 484.42 208.25 Td (matters, ) Tj ET Q q 0 0 0 rg BT 518.80 208.25 Td (we ) Tj ET Q q 0 0 0 rg BT 532.91 208.25 Td (may ) Tj ET Q q 0 0 0 rg BT 552.57 208.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (required ) Tj ET Q q 0 0 0 rg BT 85.65 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.77 196.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 148.09 196.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 183.18 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.74 196.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 240.61 196.25 Td (for ) Tj ET Q q 0 0 0 rg BT 254.60 196.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 274.16 196.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 300.38 196.25 Td (or ) Tj ET Q q 0 0 0 rg BT 311.05 196.25 Td (sustain ) Tj ET Q q 0 0 0 rg BT 341.16 196.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 360.72 196.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 386.95 196.25 Td (that ) Tj ET Q q 0 0 0 rg BT 404.28 196.25 Td (are ) Tj ET Q q 0 0 0 rg BT 418.82 196.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 471.15 196.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 499.03 196.25 Td (than ) Tj ET Q q 0 0 0 rg BT 518.58 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 533.14 196.25 Td (reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 89.02 184.25 Td (or ) Tj ET Q q 0 0 0 rg BT 100.83 184.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 143.18 184.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 167.20 184.25 Td (char) Tj ET Q q 0 0 0 rg BT 184.22 184.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 201.03 184.25 Td (that ) Tj ET Q q 0 0 0 rg BT 219.50 184.25 Td (could ) Tj ET Q q 0 0 0 rg BT 245.19 184.25 Td (have ) Tj ET Q q 0 0 0 rg BT 267.54 184.25 Td (a ) Tj ET Q q 0 0 0 rg BT 275.45 184.25 Td (material ) Tj ET Q q 0 0 0 rg BT 311.68 184.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 345.70 184.25 Td (ef) Tj ET Q q 0 0 0 rg BT 353.28 184.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 371.74 184.25 Td (on ) Tj ET Q q 0 0 0 rg BT 385.22 184.25 Td (our ) Tj ET Q q 0 0 0 rg BT 402.02 184.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 441.89 184.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 480.34 184.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 524.09 184.25 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 184.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.16 172.25 Td (and ) Tj ET Q q 0 0 0 rg BT 111.09 172.25 Td (future ) Tj ET Q q 0 0 0 rg BT 137.47 172.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 154.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 154.25 Td (may ) Tj ET Q q 0 0 0 rg BT 84.80 154.25 Td (be ) Tj ET Q q 0 0 0 rg BT 96.74 154.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 137.56 154.25 Td (af) Tj ET Q q 0 0 0 rg BT 145.71 154.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 172.63 154.25 Td (by ) Tj ET Q q 0 0 0 rg BT 184.57 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.85 154.25 Td (soundness ) Tj ET Q q 0 0 0 rg BT 245.15 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.98 154.25 Td (other ) Tj ET Q q 0 0 0 rg BT 280.15 154.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 319.87 154.25 Td (institutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 136.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.17 136.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 116.35 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 126.75 136.25 Td (engage ) Tj ET Q q 0 0 0 rg BT 157.68 136.25 Td (in ) Tj ET Q q 0 0 0 rg BT 168.08 136.25 Td (routine ) Tj ET Q q 0 0 0 rg BT 199.03 136.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 232.76 136.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 283.14 136.25 Td (could ) Tj ET Q q 0 0 0 rg BT 307.98 136.25 Td (be ) Tj ET Q q 0 0 0 rg BT 320.04 136.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 360.98 136.25 Td (af) Tj ET Q q 0 0 0 rg BT 368.56 136.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 395.61 136.25 Td (by ) Tj ET Q q 0 0 0 rg BT 408.23 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 423.07 136.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 454.01 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 471.07 136.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 520.89 136.25 Td (soundness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.39 124.25 Td (other ) Tj ET Q q 0 0 0 rg BT 83.00 124.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 120.05 124.25 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 169.06 124.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 208.34 124.25 Td (services ) Tj ET Q q 0 0 0 rg BT 242.61 124.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 287.43 124.25 Td (are ) Tj ET Q q 0 0 0 rg BT 301.70 124.25 Td (interrelated ) Tj ET Q q 0 0 0 rg BT 349.29 124.25 Td (as ) Tj ET Q q 0 0 0 rg BT 359.69 124.25 Td (a ) Tj ET Q q 0 0 0 rg BT 366.19 124.25 Td (result ) Tj ET Q q 0 0 0 rg BT 390.47 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.86 124.25 Td (trading, ) Tj ET Q q 0 0 0 rg BT 433.75 124.25 Td (clearing, ) Tj ET Q q 0 0 0 rg BT 470.52 124.25 Td (counterparty) Tj ET Q q 0 0 0 rg BT 520.40 124.25 Td (, ) Tj ET Q q 0 0 0 rg BT 524.96 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 124.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 106.60 112.25 Td (W) Tj ET Q q 0 0 0 rg BT 115.23 112.25 Td (e ) Tj ET Q q 0 0 0 rg BT 122.90 112.25 Td (have ) Tj ET Q q 0 0 0 rg BT 145.00 112.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 184.32 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 195.33 112.25 Td (dif) Tj ET Q q 0 0 0 rg BT 206.25 112.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 232.79 112.25 Td (industries ) Tj ET Q q 0 0 0 rg BT 274.91 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 292.57 112.25 Td (counterparties, ) Tj ET Q q 0 0 0 rg BT 354.94 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.60 112.25 Td (through ) Tj ET Q q 0 0 0 rg BT 406.93 112.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 457.92 112.25 Td (with ) Tj ET Q q 0 0 0 rg BT 478.92 112.25 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 538.79 112.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 112.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.31 100.25 Td (services ) Tj ET Q q 0 0 0 rg BT 123.85 100.25 Td (industry) Tj ET Q q 0 0 0 rg BT 155.98 100.25 Td (, ) Tj ET Q q 0 0 0 rg BT 161.81 100.25 Td (including ) Tj ET Q q 0 0 0 rg BT 202.91 100.25 Td (broker) Tj ET Q q 0 0 0 rg BT 228.81 100.25 Td (-dealers, ) Tj ET Q q 0 0 0 rg BT 266.28 100.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 316.81 100.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 345.97 100.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 393.18 100.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 422.34 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.11 100.25 Td (other ) Tj ET Q q 0 0 0 rg BT 463.99 100.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 502.30 100.25 Td (intermediaries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (Further) Tj ET Q q 0 0 0 rg BT 79.04 88.25 Td (, ) Tj ET Q q 0 0 0 rg BT 83.91 88.25 Td (our ) Tj ET Q q 0 0 0 rg BT 99.61 88.25 Td (private ) Tj ET Q q 0 0 0 rg BT 129.74 88.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 164.33 88.25 Td (channel ) Tj ET Q q 0 0 0 rg BT 197.79 88.25 Td (relies ) Tj ET Q q 0 0 0 rg BT 221.82 88.25 Td (on ) Tj ET Q q 0 0 0 rg BT 234.19 88.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 287.66 88.25 Td (with ) Tj ET Q q 0 0 0 rg BT 307.81 88.25 Td (a ) Tj ET Q q 0 0 0 rg BT 314.61 88.25 Td (number ) Tj ET Q q 0 0 0 rg BT 347.53 88.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.23 88.25 Td (other ) Tj ET Q q 0 0 0 rg BT 381.15 88.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 418.50 88.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 465.32 88.25 Td (for ) Tj ET Q q 0 0 0 rg BT 479.35 88.25 Td (referrals. ) Tj ET Q q 0 0 0 rg BT 517.00 88.25 Td (As ) Tj ET Q q 0 0 0 rg BT 530.48 88.25 Td (a ) Tj ET Q q 0 0 0 rg BT 537.29 88.25 Td (result, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (declines ) Tj ET Q q 0 0 0 rg BT 86.14 76.25 Td (in ) Tj ET Q q 0 0 0 rg BT 97.29 76.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.89 76.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 151.24 76.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 192.39 76.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 206.60 76.25 Td (or ) Tj ET Q q 0 0 0 rg BT 218.30 76.25 Td (even ) Tj ET Q q 0 0 0 rg BT 240.55 76.25 Td (rumors ) Tj ET Q q 0 0 0 rg BT 272.26 76.25 Td (or ) Tj ET Q q 0 0 0 rg BT 283.96 76.25 Td (questions ) Tj ET Q q 0 0 0 rg BT 325.12 76.25 Td (about, ) Tj ET Q q 0 0 0 rg BT 353.21 76.25 Td (one ) Tj ET Q q 0 0 0 rg BT 371.02 76.25 Td (or ) Tj ET Q q 0 0 0 rg BT 382.73 76.25 Td (more ) Tj ET Q q 0 0 0 rg BT 406.65 76.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 445.01 76.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 495.34 76.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 533.69 76.25 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 95.94 64.25 Td (or ) Tj ET Q q 0 0 0 rg BT 107.45 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.84 64.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 161.00 64.25 Td (services ) Tj ET Q q 0 0 0 rg BT 196.39 64.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 232.34 64.25 Td (generally) Tj ET Q q 0 0 0 rg BT 268.90 64.25 Td (, ) Tj ET Q q 0 0 0 rg BT 274.57 64.25 Td (may ) Tj ET Q q 0 0 0 rg BT 294.97 64.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 314.80 64.25 Td (to ) Tj ET Q q 0 0 0 rg BT 325.76 64.25 Td (market-wide ) Tj ET Q q 0 0 0 rg BT 379.47 64.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 412.71 64.25 Td (, ) Tj ET Q q 0 0 0 rg BT 418.39 64.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 441.00 64.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 471.95 64.25 Td (or ) Tj ET Q q 0 0 0 rg BT 483.46 64.25 Td (other ) Tj ET Q q 0 0 0 rg BT 507.19 64.25 Td (problems ) Tj ET Q q 0 0 0 rg BT 547.58 64.25 Td (and ) 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 (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 75.11 742.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 94.65 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.32 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 132.10 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.32 742.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 177.87 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 190.75 742.10 Td (us ) Tj ET Q q 0 0 0 rg BT 202.54 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 213.76 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 226.65 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 250.08 742.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 299.72 742.10 Td (These ) Tj ET Q q 0 0 0 rg BT 326.48 742.10 Td (problems, ) Tj ET Q q 0 0 0 rg BT 369.09 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 395.87 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 407.09 742.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 441.63 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 466.74 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 488.51 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 495.84 742.10 Td (material ) Tj ET Q q 0 0 0 rg BT 531.48 742.10 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.40 730.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 142.29 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 179.78 730.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 222.55 730.10 Td (results ) Tj ET Q q 0 0 0 rg BT 251.16 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.99 730.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 306.14 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.08 730.10 Td (future ) Tj ET Q q 0 0 0 rg BT 349.46 730.10 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 712.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.18 712.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 83.33 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 96.48 712.10 Td (third ) Tj ET Q q 0 0 0 rg BT 119.09 712.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 149.46 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.83 712.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 192.98 712.10 Td (key ) Tj ET Q q 0 0 0 rg BT 209.45 712.10 Td (components ) Tj ET Q q 0 0 0 rg BT 261.49 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.42 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 289.47 712.10 Td (business ) Tj ET Q q 0 0 0 rg BT 327.08 712.10 Td (infrastructure, ) Tj ET Q q 0 0 0 rg BT 389.96 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.12 712.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 438.49 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.42 712.10 Td (these ) Tj ET Q q 0 0 0 rg BT 473.12 712.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 503.50 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.87 712.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 549.79 712.10 Td (for ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (any ) Tj ET Q q 0 0 0 rg BT 67.50 700.10 Td (reason ) Tj ET Q q 0 0 0 rg BT 97.78 700.10 Td (could ) Tj ET Q q 0 0 0 rg BT 123.06 700.10 Td (disrupt ) Tj ET Q q 0 0 0 rg BT 154.46 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 171.42 700.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 682.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.25 682.10 Td (business ) Tj ET Q q 0 0 0 rg BT 122.84 682.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 157.31 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 169.01 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.92 682.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 225.72 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 241.86 682.10 Td (uninterrupted ) Tj ET Q q 0 0 0 rg BT 297.43 682.10 Td (functioning ) Tj ET Q q 0 0 0 rg BT 345.23 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.26 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 370.29 682.10 Td (information ) Tj ET Q q 0 0 0 rg BT 419.20 682.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 465.34 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.47 682.10 Td (telecommunications ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 84.98 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.73 670.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 148.81 670.10 Td (servicers. ) Tj ET Q q 0 0 0 rg BT 189.92 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 208.78 670.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 238.19 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.83 670.10 Td (these ) Tj ET Q q 0 0 0 rg BT 273.69 670.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 311.17 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 322.82 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.35 670.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 387.76 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.40 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 407.15 670.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 453.23 670.10 Td (software ) Tj ET Q q 0 0 0 rg BT 490.97 670.10 Td (license ) Tj ET Q q 0 0 0 rg BT 522.05 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 533.69 670.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 95.30 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 108.95 658.10 Td (which ) Tj ET Q q 0 0 0 rg BT 137.04 658.10 Td (any ) Tj ET Q q 0 0 0 rg BT 155.14 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.12 658.10 Td (these ) Tj ET Q q 0 0 0 rg BT 191.32 658.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 226.65 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 236.97 658.10 Td (based, ) Tj ET Q q 0 0 0 rg BT 265.90 658.10 Td (could ) Tj ET Q q 0 0 0 rg BT 291.77 658.10 Td (interrupt ) Tj ET Q q 0 0 0 rg BT 329.86 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 346.84 658.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 394.65 658.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 431.62 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 448.61 658.10 Td (information ) Tj ET Q q 0 0 0 rg BT 499.47 658.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 547.56 658.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (telecommunications ) Tj ET Q q 0 0 0 rg BT 132.63 646.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 166.40 646.10 Td (interface ) Tj ET Q q 0 0 0 rg BT 203.46 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 223.34 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.88 646.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 270.85 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 282.95 646.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 327.81 646.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 364.07 646.10 Td (we ) Tj ET Q q 0 0 0 rg BT 377.83 646.10 Td (could ) Tj ET Q q 0 0 0 rg BT 402.15 646.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 447.54 646.10 Td (service ) Tj ET Q q 0 0 0 rg BT 477.96 646.10 Td (denials ) Tj ET Q q 0 0 0 rg BT 508.38 646.10 Td (if ) Tj ET Q q 0 0 0 rg BT 516.58 646.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 550.34 646.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.63 634.10 Td (services ) Tj ET Q q 0 0 0 rg BT 105.14 634.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 139.09 634.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 174.70 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.33 634.10 Td (such ) Tj ET Q q 0 0 0 rg BT 205.97 634.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 251.03 634.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 285.00 634.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 300.63 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 311.26 634.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 356.87 634.10 Td (interruptions. ) Tj ET Q q 0 0 0 rg BT 412.77 634.10 Td (If ) Tj ET Q q 0 0 0 rg BT 421.74 634.10 Td (significant, ) Tj ET Q q 0 0 0 rg BT 468.75 634.10 Td (sustained ) Tj ET Q q 0 0 0 rg BT 508.27 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 518.90 634.10 Td (repeated, ) Tj ET Q q 0 0 0 rg BT 557.57 634.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (system ) Tj ET Q q 0 0 0 rg BT 80.89 622.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 110.10 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 121.54 622.10 Td (service ) Tj ET Q q 0 0 0 rg BT 152.96 622.10 Td (denial ) Tj ET Q q 0 0 0 rg BT 180.51 622.10 Td (could ) Tj ET Q q 0 0 0 rg BT 205.84 622.10 Td (compromise ) Tj ET Q q 0 0 0 rg BT 258.38 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 274.83 622.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 303.49 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.38 622.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 346.92 622.10 Td (ef) Tj ET Q q 0 0 0 rg BT 354.50 622.10 Td (fectively) Tj ET Q q 0 0 0 rg BT 388.83 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 394.45 622.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 428.65 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 445.09 622.10 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 491.25 622.10 Td (result ) Tj ET Q q 0 0 0 rg BT 516.58 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.47 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 535.02 622.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 553.69 622.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.90 610.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 129.53 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.21 610.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 178.78 610.10 Td (us ) Tj ET Q q 0 0 0 rg BT 190.91 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.93 610.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 245.16 610.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 289.49 610.10 Td (scrutiny ) Tj ET Q q 0 0 0 rg BT 324.95 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.63 610.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 378.65 610.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 416.87 610.10 Td (liability) Tj ET Q q 0 0 0 rg BT 447.33 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 453.07 610.10 Td (any ) Tj ET Q q 0 0 0 rg BT 470.75 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.32 610.10 Td (which ) Tj ET Q q 0 0 0 rg BT 510.00 610.10 Td (could ) Tj ET Q q 0 0 0 rg BT 535.46 610.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.58 610.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 598.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 118.30 598.10 Td (ef) Tj ET Q q 0 0 0 rg BT 125.88 598.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 143.37 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 155.87 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 171.70 598.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 210.59 598.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 248.07 598.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 290.84 598.10 Td (results ) Tj ET Q q 0 0 0 rg BT 319.45 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.28 598.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 374.44 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.38 598.10 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 580.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 580.10 Td (face ) Tj ET Q q 0 0 0 rg BT 84.79 580.10 Td (various ) Tj ET Q q 0 0 0 rg BT 117.86 580.10 Td (technological ) Tj ET Q q 0 0 0 rg BT 175.91 580.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 197.86 580.10 Td (that ) Tj ET Q q 0 0 0 rg BT 216.48 580.10 Td (could ) Tj ET Q q 0 0 0 rg BT 241.76 580.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 282.57 580.10 Td (af) Tj ET Q q 0 0 0 rg BT 290.72 580.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 308.21 580.10 Td (our ) Tj ET Q q 0 0 0 rg BT 325.16 580.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 562.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 86.53 562.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 105.53 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 118.98 562.10 Td (communication ) Tj ET Q q 0 0 0 rg BT 184.64 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.54 562.10 Td (information ) Tj ET Q q 0 0 0 rg BT 253.20 562.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 288.33 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.56 562.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 334.67 562.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 374.51 562.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 413.52 562.10 Td (failures, ) Tj ET Q q 0 0 0 rg BT 449.46 562.10 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 504.01 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 515.80 562.10 Td (breaches ) Tj ET Q q 0 0 0 rg BT 554.23 562.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (system ) Tj ET Q q 0 0 0 rg BT 79.96 550.10 Td (security ) Tj ET Q q 0 0 0 rg BT 113.79 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 138.18 550.10 Td (result ) Tj ET Q q 0 0 0 rg BT 162.57 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 172.53 550.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 219.15 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 229.66 550.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 261.82 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.78 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 287.29 550.10 Td (key ) Tj ET Q q 0 0 0 rg BT 303.90 550.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 340.25 550.10 Td (such ) Tj ET Q q 0 0 0 rg BT 360.75 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 371.26 550.10 Td (general ) Tj ET Q q 0 0 0 rg BT 402.86 550.10 Td (ledger) Tj ET Q q 0 0 0 rg BT 427.45 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 432.12 550.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 463.19 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 473.69 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 493.09 550.10 Td (systems. ) Tj ET Q q 0 0 0 rg BT 529.28 550.10 Td (The ) Tj ET Q q 0 0 0 rg BT 547.00 550.10 Td (risk ) 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 61.03 538.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 103.15 538.10 Td (fraudulent ) Tj ET Q q 0 0 0 rg BT 146.94 538.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 179.63 538.10 Td (within ) Tj ET Q q 0 0 0 rg BT 207.89 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.80 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 260.48 538.10 Td (services ) Tj ET Q q 0 0 0 rg BT 295.39 538.10 Td (industry) Tj ET Q q 0 0 0 rg BT 327.52 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 332.72 538.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 375.40 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.87 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.79 538.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 450.69 538.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 485.60 538.10 Td (sector ) Tj ET Q q 0 0 0 rg BT 512.18 538.10 Td (due ) Tj ET Q q 0 0 0 rg BT 529.32 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 539.79 538.10 Td (cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (criminals ) Tj ET Q q 0 0 0 rg BT 89.08 526.10 Td (tar) Tj ET Q q 0 0 0 rg BT 99.44 526.10 Td (geting ) Tj ET Q q 0 0 0 rg BT 126.30 526.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 147.61 526.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 184.46 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.76 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 223.17 526.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 261.69 526.10 Td (information ) Tj ET Q q 0 0 0 rg BT 310.77 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 319.31 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 331.17 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.25 526.10 Td (rise. ) Tj ET Q q 0 0 0 rg BT 363.92 526.10 Td (W) Tj ET Q q 0 0 0 rg BT 372.56 526.10 Td (e ) Tj ET Q q 0 0 0 rg BT 378.86 526.10 Td (have ) Tj ET Q q 0 0 0 rg BT 399.61 526.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 442.57 526.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 475.53 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.84 526.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 537.57 526.10 Td (aimed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.63 514.10 Td (preventing ) Tj ET Q q 0 0 0 rg BT 104.81 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.67 514.10 Td (limiting ) Tj ET Q q 0 0 0 rg BT 155.76 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.39 514.10 Td (ef) Tj ET Q q 0 0 0 rg BT 177.98 514.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 195.38 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.13 514.10 Td (failure, ) Tj ET Q q 0 0 0 rg BT 237.14 514.10 Td (interruption ) Tj ET Q q 0 0 0 rg BT 286.77 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 297.51 514.10 Td (security ) Tj ET Q q 0 0 0 rg BT 331.59 514.10 Td (breaches, ) Tj ET Q q 0 0 0 rg BT 371.48 514.10 Td (including ) Tj ET Q q 0 0 0 rg BT 411.67 514.10 Td (cyber) Tj ET Q q 0 0 0 rg BT 433.68 514.10 Td (-attacks ) Tj ET Q q 0 0 0 rg BT 467.19 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.93 514.10 Td (information ) Tj ET Q q 0 0 0 rg BT 527.56 514.10 Td (systems; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (however) Tj ET Q q 0 0 0 rg BT 84.03 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 88.10 502.10 Td (there ) Tj ET Q q 0 0 0 rg BT 109.65 502.10 Td (can ) Tj ET Q q 0 0 0 rg BT 125.10 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 136.10 502.10 Td (no ) Tj ET Q q 0 0 0 rg BT 147.67 502.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 188.11 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 204.67 502.10 Td (these ) Tj ET Q q 0 0 0 rg BT 226.79 502.10 Td (incidences ) Tj ET Q q 0 0 0 rg BT 270.56 502.10 Td (will ) Tj ET Q q 0 0 0 rg BT 287.69 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 302.03 502.10 Td (occur) Tj ET Q q 0 0 0 rg BT 323.84 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 327.91 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 337.81 502.10 Td (if ) Tj ET Q q 0 0 0 rg BT 345.48 502.10 Td (they ) Tj ET Q q 0 0 0 rg BT 364.27 502.10 Td (do ) Tj ET Q q 0 0 0 rg BT 375.84 502.10 Td (occur) Tj ET Q q 0 0 0 rg BT 397.65 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 401.71 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 418.28 502.10 Td (they ) Tj ET Q q 0 0 0 rg BT 437.06 502.10 Td (will ) Tj ET Q q 0 0 0 rg BT 454.19 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 465.20 502.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 520.08 502.10 Td (addressed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.05 490.10 Td (occurrence ) Tj ET Q q 0 0 0 rg BT 112.41 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.24 490.10 Td (any ) Tj ET Q q 0 0 0 rg BT 138.18 490.10 Td (failures, ) Tj ET Q q 0 0 0 rg BT 172.17 490.10 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 224.78 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 234.61 490.10 Td (security ) Tj ET Q q 0 0 0 rg BT 267.77 490.10 Td (breaches, ) Tj ET Q q 0 0 0 rg BT 306.75 490.10 Td (including ) Tj ET Q q 0 0 0 rg BT 346.03 490.10 Td (cyber) Tj ET Q q 0 0 0 rg BT 368.04 490.10 Td (-attacks ) Tj ET Q q 0 0 0 rg BT 400.63 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.47 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.30 490.10 Td (information ) Tj ET Q q 0 0 0 rg BT 474.02 490.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 507.19 490.10 Td (could ) Tj ET Q q 0 0 0 rg BT 530.91 490.10 Td (damage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.36 478.10 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 110.43 478.10 Td (result ) Tj ET Q q 0 0 0 rg BT 134.68 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.49 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.74 478.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 176.33 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.69 478.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 225.12 478.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 255.47 478.10 Td (us ) Tj ET Q q 0 0 0 rg BT 266.40 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 276.21 478.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 315.99 478.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 359.12 478.10 Td (scrutiny ) Tj ET Q q 0 0 0 rg BT 393.36 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 403.73 478.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 434.08 478.10 Td (us ) Tj ET Q q 0 0 0 rg BT 445.00 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.81 478.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 474.62 478.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 512.76 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.23 478.10 Td (possible ) 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 (liability) Tj ET Q q 0 0 0 rg BT 117.94 466.10 Td (, ) Tj ET Q q 0 0 0 rg BT 122.94 466.10 Td (any ) Tj ET Q q 0 0 0 rg BT 139.88 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.71 466.10 Td (which ) Tj ET Q q 0 0 0 rg BT 177.65 466.10 Td (could ) Tj ET Q q 0 0 0 rg BT 202.36 466.10 Td (have ) Tj ET Q q 0 0 0 rg BT 223.74 466.10 Td (an ) Tj ET Q q 0 0 0 rg BT 235.68 466.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 268.72 466.10 Td (ef) Tj ET Q q 0 0 0 rg BT 276.30 466.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 293.79 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 306.29 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 322.12 466.10 Td (results ) Tj ET Q q 0 0 0 rg BT 350.73 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.56 466.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 401.82 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.76 466.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 456.24 466.10 Td (condition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 448.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.94 448.10 Td (are ) Tj ET Q q 0 0 0 rg BT 80.62 448.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 111.86 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.99 448.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 148.23 448.10 Td (due ) Tj ET Q q 0 0 0 rg BT 165.58 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.71 448.10 Td (fraudulent ) Tj ET Q q 0 0 0 rg BT 221.96 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.88 448.10 Td (negligent ) Tj ET Q q 0 0 0 rg BT 280.56 448.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 299.02 448.10 Td (on ) Tj ET Q q 0 0 0 rg BT 311.93 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.06 448.10 Td (part ) Tj ET Q q 0 0 0 rg BT 346.08 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.77 448.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 377.46 448.10 Td (applicants, ) Tj ET Q q 0 0 0 rg BT 424.53 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 441.34 448.10 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 487.86 448.10 Td (other ) Tj ET Q q 0 0 0 rg BT 511.88 448.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 546.46 448.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.95 436.10 Td (employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 418.10 Td (When ) Tj ET Q q 0 0 0 rg BT 96.09 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 109.97 418.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 147.73 418.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 173.55 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 187.43 418.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 205.20 418.10 Td (heavily ) Tj ET Q q 0 0 0 rg BT 236.85 418.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 259.06 418.10 Td (information ) Tj ET Q q 0 0 0 rg BT 308.49 418.10 Td (supplied ) Tj ET Q q 0 0 0 rg BT 344.59 418.10 Td (by ) Tj ET Q q 0 0 0 rg BT 356.81 418.10 Td (third ) Tj ET Q q 0 0 0 rg BT 377.92 418.10 Td (parties, ) Tj ET Q q 0 0 0 rg BT 409.29 418.10 Td (including ) Tj ET Q q 0 0 0 rg BT 449.28 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.71 418.10 Td (information ) Tj ET Q q 0 0 0 rg BT 513.14 418.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 554.23 418.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.66 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 84.32 406.10 Td (application, ) Tj ET Q q 0 0 0 rg BT 133.69 406.10 Td (property ) Tj ET Q q 0 0 0 rg BT 170.01 406.10 Td (appraisal, ) Tj ET Q q 0 0 0 rg BT 211.05 406.10 Td (title ) Tj ET Q q 0 0 0 rg BT 229.04 406.10 Td (information ) Tj ET Q q 0 0 0 rg BT 278.70 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.58 406.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 348.01 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.89 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 396.77 406.10 Td (documentation. ) Tj ET Q q 0 0 0 rg BT 461.14 406.10 Td (If ) Tj ET Q q 0 0 0 rg BT 470.24 406.10 Td (any ) Tj ET Q q 0 0 0 rg BT 487.13 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.90 406.10 Td (this ) Tj ET Q q 0 0 0 rg BT 514.79 406.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.55 394.10 Td (intentionally ) Tj ET Q q 0 0 0 rg BT 112.98 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 124.19 394.10 Td (negligently ) Tj ET Q q 0 0 0 rg BT 172.06 394.10 Td (misrepresented ) Tj ET Q q 0 0 0 rg BT 235.47 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.79 394.10 Td (such ) Tj ET Q q 0 0 0 rg BT 274.00 394.10 Td (misrepresentation ) Tj ET Q q 0 0 0 rg BT 347.97 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 357.52 394.10 Td (not ) Tj ET Q q 0 0 0 rg BT 373.18 394.10 Td (detected ) Tj ET Q q 0 0 0 rg BT 409.38 394.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 431.69 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.35 394.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 462.45 394.10 Td (funding, ) Tj ET Q q 0 0 0 rg BT 498.94 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.04 394.10 Td (value ) Tj ET Q q 0 0 0 rg BT 538.57 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 394.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.58 382.10 Td (may ) Tj ET Q q 0 0 0 rg BT 89.15 382.10 Td (be ) Tj ET Q q 0 0 0 rg BT 100.95 382.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 153.30 382.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 178.43 382.10 Td (than ) Tj ET Q q 0 0 0 rg BT 198.01 382.10 Td (expected. ) Tj ET Q q 0 0 0 rg BT 238.23 382.10 Td (Whether ) Tj ET Q q 0 0 0 rg BT 275.01 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.81 382.10 Td (misrepresentation ) Tj ET Q q 0 0 0 rg BT 355.26 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 364.29 382.10 Td (made ) Tj ET Q q 0 0 0 rg BT 388.30 382.10 Td (by ) Tj ET Q q 0 0 0 rg BT 400.66 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.24 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 434.82 382.10 Td (applicant, ) Tj ET Q q 0 0 0 rg BT 476.33 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.90 382.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 527.15 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 532.01 382.10 Td (another ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (third ) Tj ET Q q 0 0 0 rg BT 71.49 370.10 Td (party ) Tj ET Q q 0 0 0 rg BT 94.63 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 105.56 370.10 Td (one ) Tj ET Q q 0 0 0 rg BT 122.60 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.53 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.46 370.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 197.32 370.10 Td (we ) Tj ET Q q 0 0 0 rg BT 211.58 370.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 251.38 370.10 Td (bear ) Tj ET Q q 0 0 0 rg BT 271.19 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.00 370.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 303.60 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.53 370.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 332.69 370.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 376.38 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.76 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.58 370.10 Td (misrepresentation. ) Tj ET Q q 0 0 0 rg BT 487.19 370.10 Td (A) Tj ET Q q 0 0 0 rg BT 493.86 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 496.46 370.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 516.28 370.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 547.20 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.58 370.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (material ) Tj ET Q q 0 0 0 rg BT 85.18 358.10 Td (misrepresentation ) Tj ET Q q 0 0 0 rg BT 158.69 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 167.78 358.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 205.19 358.10 Td (unsaleable ) Tj ET Q q 0 0 0 rg BT 249.81 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 260.56 358.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 291.30 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.50 358.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 347.22 358.10 Td (if ) Tj ET Q q 0 0 0 rg BT 355.75 358.10 Td (it ) Tj ET Q q 0 0 0 rg BT 363.73 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 372.82 358.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 391.91 358.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 413.76 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.96 358.10 Td (detection ) Tj ET Q q 0 0 0 rg BT 463.03 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.78 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.42 358.10 Td (misrepresentation, ) 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 67.33 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.44 346.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 115.88 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.21 346.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 164.99 346.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 202.88 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 217.97 346.10 Td (often ) Tj ET Q q 0 0 0 rg BT 241.41 346.10 Td (dif) Tj ET Q q 0 0 0 rg BT 252.34 346.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 276.34 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.01 346.10 Td (locate ) Tj ET Q q 0 0 0 rg BT 313.77 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.10 346.10 Td (it ) Tj ET Q q 0 0 0 rg BT 339.55 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 349.11 346.10 Td (often ) Tj ET Q q 0 0 0 rg BT 372.55 346.10 Td (dif) Tj ET Q q 0 0 0 rg BT 383.48 346.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 407.47 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 418.15 346.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 447.69 346.10 Td (any ) Tj ET Q q 0 0 0 rg BT 465.02 346.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 505.67 346.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 532.46 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 550.34 346.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.95 334.10 Td (suf) Tj ET Q q 0 0 0 rg BT 83.99 334.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 107.60 334.10 Td (from ) Tj ET Q q 0 0 0 rg BT 130.11 334.10 Td (them. ) Tj ET Q q 0 0 0 rg BT 155.46 334.10 Td (W) Tj ET Q q 0 0 0 rg BT 164.10 334.10 Td (e ) Tj ET Q q 0 0 0 rg BT 171.61 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 193.56 334.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 228.85 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.36 334.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 287.75 334.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 326.37 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.22 334.10 Td (help ) Tj ET Q q 0 0 0 rg BT 357.51 334.10 Td (us ) Tj ET Q q 0 0 0 rg BT 369.47 334.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 403.65 334.10 Td (misrepresented ) Tj ET Q q 0 0 0 rg BT 467.26 334.10 Td (information ) Tj ET Q q 0 0 0 rg BT 517.54 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 528.39 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 544.79 334.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 96.10 322.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 142.31 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 150.95 322.10 Td (e ) Tj ET Q q 0 0 0 rg BT 157.61 322.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 186.48 322.10 Td (assure ) Tj ET Q q 0 0 0 rg BT 213.69 322.10 Td (you, ) Tj ET Q q 0 0 0 rg BT 233.41 322.10 Td (however) Tj ET Q q 0 0 0 rg BT 267.44 322.10 Td (, ) Tj ET Q q 0 0 0 rg BT 272.15 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 289.37 322.10 Td (we ) Tj ET Q q 0 0 0 rg BT 303.25 322.10 Td (have ) Tj ET Q q 0 0 0 rg BT 324.34 322.10 Td (detected ) Tj ET Q q 0 0 0 rg BT 359.87 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.42 322.10 Td (will ) Tj ET Q q 0 0 0 rg BT 388.19 322.10 Td (detect ) Tj ET Q q 0 0 0 rg BT 414.28 322.10 Td (all ) Tj ET Q q 0 0 0 rg BT 426.50 322.10 Td (misrepresented ) Tj ET Q q 0 0 0 rg BT 489.25 322.10 Td (information ) Tj ET Q q 0 0 0 rg BT 538.68 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.67 322.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.72 310.10 Td (originations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (Unauthorized ) Tj ET Q q 0 0 0 rg BT 109.32 292.10 Td (access, ) Tj ET Q q 0 0 0 rg BT 140.55 292.10 Td (cyber-crime ) Tj ET Q q 0 0 0 rg BT 192.04 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.23 292.10 Td (other ) Tj ET Q q 0 0 0 rg BT 234.54 292.10 Td (threats ) Tj ET Q q 0 0 0 rg BT 265.51 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.92 292.10 Td (data ) Tj ET Q q 0 0 0 rg BT 296.33 292.10 Td (security ) Tj ET Q q 0 0 0 rg BT 331.18 292.10 Td (may ) Tj ET Q q 0 0 0 rg BT 351.03 292.10 Td (require ) Tj ET Q q 0 0 0 rg BT 383.66 292.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 430.19 292.10 Td (resources, ) Tj ET Q q 0 0 0 rg BT 474.76 292.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 499.62 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 516.71 292.10 Td (reputation, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.06 280.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 108.88 280.10 Td (af) Tj ET Q q 0 0 0 rg BT 117.03 280.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 134.51 280.10 Td (our ) Tj ET Q q 0 0 0 rg BT 151.46 280.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 262.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 262.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.85 262.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 133.04 262.10 Td (collect, ) Tj ET Q q 0 0 0 rg BT 164.96 262.10 Td (use ) Tj ET Q q 0 0 0 rg BT 181.06 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.27 262.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 218.82 262.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 255.46 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.67 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 310.42 262.10 Td (information ) Tj ET Q q 0 0 0 rg BT 360.41 262.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 407.60 262.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 454.81 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.02 262.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 517.01 262.10 Td (with ) Tj ET Q q 0 0 0 rg BT 537.56 262.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.93 250.10 Td (have ) Tj ET Q q 0 0 0 rg BT 87.08 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.79 250.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 130.28 250.10 Td (relationship. ) Tj ET Q q 0 0 0 rg BT 183.03 250.10 Td (Threats ) Tj ET Q q 0 0 0 rg BT 216.29 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.34 250.10 Td (data ) Tj ET Q q 0 0 0 rg BT 247.27 250.10 Td (security) Tj ET Q q 0 0 0 rg BT 278.28 250.10 Td (, ) Tj ET Q q 0 0 0 rg BT 284.05 250.10 Td (including ) Tj ET Q q 0 0 0 rg BT 325.10 250.10 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 380.57 250.10 Td (access ) Tj ET Q q 0 0 0 rg BT 409.38 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.09 250.10 Td (cyber) Tj ET Q q 0 0 0 rg BT 449.10 250.10 Td (-attacks ) Tj ET Q q 0 0 0 rg BT 483.47 250.10 Td (rapidly ) Tj ET Q q 0 0 0 rg BT 515.06 250.10 Td (emer) Tj ET Q q 0 0 0 rg BT 534.87 250.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 547.58 250.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (change, ) Tj ET Q q 0 0 0 rg BT 82.20 238.10 Td (exposing ) Tj ET Q q 0 0 0 rg BT 119.70 238.10 Td (us ) Tj ET Q q 0 0 0 rg BT 129.98 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.14 238.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 180.52 238.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 201.90 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 214.95 238.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 256.88 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 266.60 238.10 Td (remediation ) Tj ET Q q 0 0 0 rg BT 315.74 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.57 238.10 Td (competing ) Tj ET Q q 0 0 0 rg BT 375.17 238.10 Td (time ) Tj ET Q q 0 0 0 rg BT 394.33 238.10 Td (constraints ) Tj ET Q q 0 0 0 rg BT 439.04 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.20 238.10 Td (secure ) Tj ET Q q 0 0 0 rg BT 475.13 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 489.84 238.10 Td (data ) Tj ET Q q 0 0 0 rg BT 507.89 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.05 238.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.84 226.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 108.56 226.10 Td (expectations, ) Tj ET Q q 0 0 0 rg BT 163.11 226.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 200.17 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.67 226.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 259.83 226.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 291.88 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.39 226.10 Td (other ) Tj ET Q q 0 0 0 rg BT 331.00 226.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 387.77 226.10 Td (It ) Tj ET Q q 0 0 0 rg BT 395.94 226.10 Td (is ) Tj ET Q q 0 0 0 rg BT 404.68 226.10 Td (dif) Tj ET Q q 0 0 0 rg BT 415.61 226.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 438.77 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 449.17 226.10 Td (impossible ) Tj ET Q q 0 0 0 rg BT 494.57 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.41 226.10 Td (defend ) Tj ET Q q 0 0 0 rg BT 533.69 226.10 Td (against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (every ) Tj ET Q q 0 0 0 rg BT 74.44 214.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 91.67 214.10 Td (being ) Tj ET Q q 0 0 0 rg BT 116.12 214.10 Td (posed ) Tj ET Q q 0 0 0 rg BT 141.68 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 153.91 214.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 192.79 214.10 Td (technologies, ) Tj ET Q q 0 0 0 rg BT 248.06 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.63 214.10 Td (well ) Tj ET Q q 0 0 0 rg BT 278.07 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 288.63 214.10 Td (criminal ) Tj ET Q q 0 0 0 rg BT 324.18 214.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 349.19 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.42 214.10 Td (committing ) Tj ET Q q 0 0 0 rg BT 409.76 214.10 Td (cyber) Tj ET Q q 0 0 0 rg BT 431.76 214.10 Td (-crime. ) Tj ET Q q 0 0 0 rg BT 462.59 214.10 Td (Increasing ) Tj ET Q q 0 0 0 rg BT 506.46 214.10 Td (sophistication ) 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 60.99 202.10 Td (cyber) Tj ET Q q 0 0 0 rg BT 83.00 202.10 Td (-criminals ) Tj ET Q q 0 0 0 rg BT 126.20 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.31 202.10 Td (terrorists ) Tj ET Q q 0 0 0 rg BT 181.51 202.10 Td (make ) Tj ET Q q 0 0 0 rg BT 205.83 202.10 Td (keeping ) Tj ET Q q 0 0 0 rg BT 240.15 202.10 Td (up ) Tj ET Q q 0 0 0 rg BT 252.81 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 273.25 202.10 Td (new ) Tj ET Q q 0 0 0 rg BT 292.58 202.10 Td (threats ) Tj ET Q q 0 0 0 rg BT 321.89 202.10 Td (dif) Tj ET Q q 0 0 0 rg BT 332.82 202.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 356.59 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.69 202.10 Td (could ) Tj ET Q q 0 0 0 rg BT 398.57 202.10 Td (result ) Tj ET Q q 0 0 0 rg BT 423.45 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.89 202.10 Td (a ) Tj ET Q q 0 0 0 rg BT 440.99 202.10 Td (breach. ) Tj ET Q q 0 0 0 rg BT 472.80 202.10 Td (Controls ) Tj ET Q q 0 0 0 rg BT 509.91 202.10 Td (employed ) Tj ET Q q 0 0 0 rg BT 552.01 202.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.80 190.10 Td (information ) Tj ET Q q 0 0 0 rg BT 115.49 190.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 162.39 190.10 Td (department ) Tj ET Q q 0 0 0 rg BT 209.84 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.76 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.56 190.10 Td (other ) Tj ET Q q 0 0 0 rg BT 265.58 190.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 310.81 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.72 190.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 361.86 190.10 Td (could ) Tj ET Q q 0 0 0 rg BT 386.54 190.10 Td (prove ) Tj ET Q q 0 0 0 rg BT 411.79 190.10 Td (inadequate. ) Tj ET Q q 0 0 0 rg BT 459.89 190.10 Td (W) Tj ET Q q 0 0 0 rg BT 468.53 190.10 Td (e ) Tj ET Q q 0 0 0 rg BT 475.44 190.10 Td (could ) Tj ET Q q 0 0 0 rg BT 500.13 190.10 Td (also ) Tj ET Q q 0 0 0 rg BT 518.71 190.10 Td (experience ) Tj ET Q BT /F1 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 56.33 178.10 Td (breach ) Tj ET Q q 0 0 0 rg BT 84.86 178.10 Td (due ) Tj ET Q q 0 0 0 rg BT 101.19 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.86 178.10 Td (intentional ) Tj ET Q q 0 0 0 rg BT 155.52 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 165.74 178.10 Td (negligent ) Tj ET Q q 0 0 0 rg BT 204.84 178.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 238.38 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 250.27 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.38 178.10 Td (part ) Tj ET Q q 0 0 0 rg BT 281.82 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.04 178.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 336.69 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 346.91 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 369.35 178.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 401.78 178.10 Td (sources, ) Tj ET Q q 0 0 0 rg BT 436.16 178.10 Td (software ) Tj ET Q q 0 0 0 rg BT 472.48 178.10 Td (bugs ) Tj ET Q q 0 0 0 rg BT 493.26 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 503.48 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 525.91 178.10 Td (technical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (malfunctions, ) Tj ET Q q 0 0 0 rg BT 106.35 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 116.33 166.10 Td (other ) Tj ET Q q 0 0 0 rg BT 138.52 166.10 Td (causes. ) Tj ET Q q 0 0 0 rg BT 168.39 166.10 Td (As ) Tj ET Q q 0 0 0 rg BT 181.15 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 187.23 166.10 Td (result ) Tj ET Q q 0 0 0 rg BT 211.09 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.06 166.10 Td (any ) Tj ET Q q 0 0 0 rg BT 237.14 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.11 166.10 Td (these ) Tj ET Q q 0 0 0 rg BT 269.30 166.10 Td (threats, ) Tj ET Q q 0 0 0 rg BT 300.10 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 315.07 166.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 353.37 166.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 390.00 166.10 Td (may ) Tj ET Q q 0 0 0 rg BT 408.85 166.10 Td (become ) Tj ET Q q 0 0 0 rg BT 441.59 166.10 Td (vulnerable ) Tj ET Q q 0 0 0 rg BT 485.44 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.86 166.10 Td (account ) Tj ET Q q 0 0 0 rg BT 527.59 166.10 Td (takeover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (schemes ) Tj ET Q q 0 0 0 rg BT 86.52 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.50 154.10 Td (cyber) Tj ET Q q 0 0 0 rg BT 119.51 154.10 Td (-fraud. ) Tj ET Q q 0 0 0 rg BT 149.08 154.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 167.28 154.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 201.60 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.68 154.10 Td (those ) Tj ET Q q 0 0 0 rg BT 242.44 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.41 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 269.39 154.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 314.80 154.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 349.11 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 368.97 154.10 Td (also ) Tj ET Q q 0 0 0 rg BT 387.72 154.10 Td (become ) Tj ET Q q 0 0 0 rg BT 421.46 154.10 Td (vulnerable ) Tj ET Q q 0 0 0 rg BT 466.31 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.74 154.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 510.48 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 521.46 154.10 Td (disruption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.60 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 76.53 142.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 135.33 142.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 166.92 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 182.41 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 192.90 142.10 Td (their ) Tj ET Q q 0 0 0 rg BT 213.38 142.10 Td (control, ) Tj ET Q q 0 0 0 rg BT 246.36 142.10 Td (such ) Tj ET Q q 0 0 0 rg BT 266.85 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 277.34 142.10 Td (from ) Tj ET Q q 0 0 0 rg BT 298.93 142.10 Td (catastrophic ) Tj ET Q q 0 0 0 rg BT 349.40 142.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 379.61 142.10 Td (power ) Tj ET Q q 0 0 0 rg BT 406.75 142.10 Td (anomalies ) Tj ET Q q 0 0 0 rg BT 449.45 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 459.94 142.10 Td (outages, ) Tj ET Q q 0 0 0 rg BT 495.14 142.10 Td (natural ) Tj ET Q q 0 0 0 rg BT 525.07 142.10 Td (disasters, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (network ) Tj ET Q q 0 0 0 rg BT 85.27 130.10 Td (failures, ) Tj ET Q q 0 0 0 rg BT 120.25 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.19 130.10 Td (viruses ) Tj ET Q q 0 0 0 rg BT 168.02 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.96 130.10 Td (malware.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 112.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 112.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.97 112.10 Td (breach ) Tj ET Q q 0 0 0 rg BT 107.91 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.54 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 134.17 112.10 Td (security ) Tj ET Q q 0 0 0 rg BT 168.13 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 185.42 112.10 Td (results ) Tj ET Q q 0 0 0 rg BT 213.83 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 223.90 112.10 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 278.40 112.10 Td (access ) Tj ET Q q 0 0 0 rg BT 306.24 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.32 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 331.95 112.10 Td (data ) Tj ET Q q 0 0 0 rg BT 350.90 112.10 Td (could ) Tj ET Q q 0 0 0 rg BT 375.42 112.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 405.48 112.10 Td (us ) Tj ET Q q 0 0 0 rg BT 416.67 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 426.75 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 433.49 112.10 Td (disruption ) Tj ET Q q 0 0 0 rg BT 476.34 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 486.97 112.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 531.47 112.10 Td (relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.39 100.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.33 100.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 98.94 100.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 143.21 100.10 Td (as ) Tj ET Q q 0 0 0 rg BT 154.15 100.10 Td (well ) Tj ET Q q 0 0 0 rg BT 173.98 100.10 Td (as ) Tj ET Q q 0 0 0 rg BT 184.92 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 195.31 100.10 Td (data ) Tj ET Q q 0 0 0 rg BT 214.58 100.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 235.25 100.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 276.47 100.10 Td (damages, ) Tj ET Q q 0 0 0 rg BT 316.57 100.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 338.62 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.67 100.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 396.33 100.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 441.15 100.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 480.41 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.80 100.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 539.50 100.10 Td (costs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.01 88.10 Td (reputational ) Tj ET Q q 0 0 0 rg BT 119.34 88.10 Td (damage, ) Tj ET Q q 0 0 0 rg BT 156.51 88.10 Td (any ) Tj ET Q q 0 0 0 rg BT 174.52 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.43 88.10 Td (which ) Tj ET Q q 0 0 0 rg BT 214.44 88.10 Td (could ) Tj ET Q q 0 0 0 rg BT 240.23 88.10 Td (have ) Tj ET Q q 0 0 0 rg BT 262.68 88.10 Td (a ) Tj ET Q q 0 0 0 rg BT 270.69 88.10 Td (material ) Tj ET Q q 0 0 0 rg BT 307.02 88.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 341.13 88.10 Td (ef) Tj ET Q q 0 0 0 rg BT 348.72 88.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 367.28 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 380.85 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 397.75 88.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 437.72 88.10 Td (results ) Tj ET Q q 0 0 0 rg BT 467.40 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.30 88.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 527.03 88.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 90.27 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.21 76.10 Td (future ) Tj ET Q q 0 0 0 rg BT 133.59 76.10 Td (prospects.) 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 (25) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 742.25 Td (are ) Tj ET Q q 0 0 0 rg BT 80.92 742.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 112.30 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.58 742.25 Td (environmental ) Tj ET Q q 0 0 0 rg BT 185.09 742.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 218.70 742.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 236.76 742.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 281.47 742.25 Td (with ) Tj ET Q q 0 0 0 rg BT 301.76 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 318.72 742.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 352.33 742.25 Td (activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (In ) Tj ET Q q 0 0 0 rg BT 81.02 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 95.92 724.25 Td (course ) Tj ET Q q 0 0 0 rg BT 124.70 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 135.72 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 151.73 724.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 190.81 724.25 Td (we ) Tj ET Q q 0 0 0 rg BT 205.16 724.25 Td (may ) Tj ET Q q 0 0 0 rg BT 225.06 724.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 263.28 724.25 Td (real ) Tj ET Q q 0 0 0 rg BT 280.95 724.25 Td (estate, ) Tj ET Q q 0 0 0 rg BT 308.90 724.25 Td (or ) Tj ET Q q 0 0 0 rg BT 319.92 724.25 Td (we ) Tj ET Q q 0 0 0 rg BT 334.26 724.25 Td (may ) Tj ET Q q 0 0 0 rg BT 354.17 724.25 Td (foreclose ) Tj ET Q q 0 0 0 rg BT 393.50 724.25 Td (on ) Tj ET Q q 0 0 0 rg BT 406.18 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 423.31 724.25 Td (take ) Tj ET Q q 0 0 0 rg BT 442.65 724.25 Td (title ) Tj ET Q q 0 0 0 rg BT 460.88 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.35 724.25 Td (real ) Tj ET Q q 0 0 0 rg BT 489.02 724.25 Td (estate. ) Tj ET Q q 0 0 0 rg BT 516.38 724.25 Td (As ) Tj ET Q q 0 0 0 rg BT 530.17 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 537.30 724.25 Td (result, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (we ) Tj ET Q q 0 0 0 rg BT 64.25 712.25 Td (could ) Tj ET Q q 0 0 0 rg BT 89.05 712.25 Td (be ) Tj ET Q q 0 0 0 rg BT 101.08 712.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 131.99 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 142.36 712.25 Td (environmental ) Tj ET Q q 0 0 0 rg BT 202.71 712.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 242.51 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 262.88 712.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 293.78 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 304.15 712.25 Td (these ) Tj ET Q q 0 0 0 rg BT 327.28 712.25 Td (properties. ) Tj ET Q q 0 0 0 rg BT 372.17 712.25 Td (W) Tj ET Q q 0 0 0 rg BT 380.80 712.25 Td (e ) Tj ET Q q 0 0 0 rg BT 387.83 712.25 Td (may ) Tj ET Q q 0 0 0 rg BT 407.64 712.25 Td (be ) Tj ET Q q 0 0 0 rg BT 419.66 712.25 Td (held ) Tj ET Q q 0 0 0 rg BT 439.47 712.25 Td (liable ) Tj ET Q q 0 0 0 rg BT 464.27 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 474.63 712.25 Td (a ) Tj ET Q q 0 0 0 rg BT 481.66 712.25 Td (governmental ) Tj ET Q q 0 0 0 rg BT 539.23 712.25 Td (entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.05 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 71.54 700.25 Td (third ) Tj ET Q q 0 0 0 rg BT 93.15 700.25 Td (parties ) Tj ET Q q 0 0 0 rg BT 122.52 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 136.90 700.25 Td (property ) Tj ET Q q 0 0 0 rg BT 173.49 700.25 Td (damage, ) Tj ET Q q 0 0 0 rg BT 209.80 700.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 246.40 700.25 Td (injury) Tj ET Q q 0 0 0 rg BT 269.63 700.25 Td (, ) Tj ET Q q 0 0 0 rg BT 274.85 700.25 Td (investigation ) Tj ET Q q 0 0 0 rg BT 329.23 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.38 700.25 Td (clean-up ) Tj ET Q q 0 0 0 rg BT 383.53 700.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 406.24 700.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 442.28 700.25 Td (by ) Tj ET Q q 0 0 0 rg BT 454.99 700.25 Td (these ) Tj ET Q q 0 0 0 rg BT 478.26 700.25 Td (parties ) Tj ET Q q 0 0 0 rg BT 507.63 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.13 700.25 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.60 688.25 Td (environmental ) Tj ET Q q 0 0 0 rg BT 129.17 688.25 Td (contamination ) Tj ET Q q 0 0 0 rg BT 188.20 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 198.35 688.25 Td (may ) Tj ET Q q 0 0 0 rg BT 217.39 688.25 Td (be ) Tj ET Q q 0 0 0 rg BT 228.64 688.25 Td (required ) Tj ET Q q 0 0 0 rg BT 263.78 688.25 Td (to ) Tj ET Q q 0 0 0 rg BT 273.37 688.25 Td (investigate ) Tj ET Q q 0 0 0 rg BT 318.51 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 328.66 688.25 Td (clean ) Tj ET Q q 0 0 0 rg BT 351.57 688.25 Td (up ) Tj ET Q q 0 0 0 rg BT 363.39 688.25 Td (hazardous ) Tj ET Q q 0 0 0 rg BT 405.75 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 415.90 688.25 Td (toxic ) Tj ET Q q 0 0 0 rg BT 437.71 688.25 Td (substances ) Tj ET Q q 0 0 0 rg BT 482.30 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 492.45 688.25 Td (chemical ) Tj ET Q q 0 0 0 rg BT 530.36 688.25 Td (releases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (at ) Tj ET Q q 0 0 0 rg BT 59.16 676.25 Td (a ) Tj ET Q q 0 0 0 rg BT 65.54 676.25 Td (property) Tj ET Q q 0 0 0 rg BT 98.76 676.25 Td (. ) Tj ET Q q 0 0 0 rg BT 103.06 676.25 Td (The ) Tj ET Q q 0 0 0 rg BT 120.55 676.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 142.49 676.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 185.52 676.25 Td (with ) Tj ET Q q 0 0 0 rg BT 205.24 676.25 Td (investigation ) Tj ET Q q 0 0 0 rg BT 258.84 676.25 Td (or ) Tj ET Q q 0 0 0 rg BT 269.11 676.25 Td (remediation ) Tj ET Q q 0 0 0 rg BT 318.81 676.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 356.85 676.25 Td (could ) Tj ET Q q 0 0 0 rg BT 381.00 676.25 Td (be ) Tj ET Q q 0 0 0 rg BT 392.38 676.25 Td (substantial. ) Tj ET Q q 0 0 0 rg BT 439.60 676.25 Td (In ) Tj ET Q q 0 0 0 rg BT 449.87 676.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 487.08 676.25 Td (if ) Tj ET Q q 0 0 0 rg BT 495.13 676.25 Td (we ) Tj ET Q q 0 0 0 rg BT 508.73 676.25 Td (are ) Tj ET Q q 0 0 0 rg BT 522.88 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 537.03 676.25 Td (owner ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.09 664.25 Td (former ) Tj ET Q q 0 0 0 rg BT 91.06 664.25 Td (owner ) Tj ET Q q 0 0 0 rg BT 118.82 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.91 664.25 Td (a ) Tj ET Q q 0 0 0 rg BT 137.11 664.25 Td (contaminated ) Tj ET Q q 0 0 0 rg BT 193.74 664.25 Td (site, ) Tj ET Q q 0 0 0 rg BT 212.89 664.25 Td (we ) Tj ET Q q 0 0 0 rg BT 227.31 664.25 Td (may ) Tj ET Q q 0 0 0 rg BT 247.29 664.25 Td (be ) Tj ET Q q 0 0 0 rg BT 259.49 664.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 290.58 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.12 664.25 Td (common ) Tj ET Q q 0 0 0 rg BT 338.88 664.25 Td (law ) Tj ET Q q 0 0 0 rg BT 356.08 664.25 Td (claims ) Tj ET Q q 0 0 0 rg BT 384.95 664.25 Td (by ) Tj ET Q q 0 0 0 rg BT 397.71 664.25 Td (third ) Tj ET Q q 0 0 0 rg BT 419.36 664.25 Td (parties ) Tj ET Q q 0 0 0 rg BT 448.78 664.25 Td (based ) Tj ET Q q 0 0 0 rg BT 474.31 664.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.07 664.25 Td (damages ) Tj ET Q q 0 0 0 rg BT 524.82 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 542.02 664.25 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 87.71 652.25 Td (from ) Tj ET Q q 0 0 0 rg BT 109.87 652.25 Td (environmental ) Tj ET Q q 0 0 0 rg BT 170.35 652.25 Td (contamination ) Tj ET Q q 0 0 0 rg BT 230.27 652.25 Td (emanating ) Tj ET Q q 0 0 0 rg BT 274.64 652.25 Td (from ) Tj ET Q q 0 0 0 rg BT 296.80 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 311.74 652.25 Td (property) Tj ET Q q 0 0 0 rg BT 344.96 652.25 Td (. ) Tj ET Q q 0 0 0 rg BT 349.58 652.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 369.52 652.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 414.45 652.25 Td (environmental ) Tj ET Q q 0 0 0 rg BT 474.93 652.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 514.87 652.25 Td (could ) Tj ET Q q 0 0 0 rg BT 539.80 652.25 Td (cause ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 640.25 Td (material ) Tj ET Q q 0 0 0 rg BT 92.20 640.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 125.23 640.25 Td (ef) Tj ET Q q 0 0 0 rg BT 132.82 640.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 150.31 640.25 Td (on ) Tj ET Q q 0 0 0 rg BT 162.81 640.25 Td (our ) Tj ET Q q 0 0 0 rg BT 178.64 640.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 217.53 640.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 255.01 640.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 297.78 640.25 Td (results ) Tj ET Q q 0 0 0 rg BT 326.39 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.22 640.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 381.38 640.25 Td (and ) Tj ET Q q 0 0 0 rg BT 398.32 640.25 Td (future ) Tj ET Q q 0 0 0 rg BT 424.69 640.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 622.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 622.25 Td (may ) Tj ET Q q 0 0 0 rg BT 84.80 622.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 109.54 622.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 159.82 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 170.10 622.25 Td (goodwill.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 604.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 604.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.77 604.25 Td (test ) Tj ET Q q 0 0 0 rg BT 102.34 604.25 Td (our ) Tj ET Q q 0 0 0 rg BT 118.36 604.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 156.61 604.25 Td (for ) Tj ET Q q 0 0 0 rg BT 170.96 604.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 219.75 604.25 Td (at ) Tj ET Q q 0 0 0 rg BT 229.66 604.25 Td (least ) Tj ET Q q 0 0 0 rg BT 250.67 604.25 Td (annually) Tj ET Q q 0 0 0 rg BT 284.46 604.25 Td (. ) Tj ET Q q 0 0 0 rg BT 289.65 604.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 336.22 604.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 372.78 604.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 408.25 604.25 Td (or ) Tj ET Q q 0 0 0 rg BT 419.27 604.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 460.83 604.25 Td (trends, ) Tj ET Q q 0 0 0 rg BT 490.46 604.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 524.80 604.25 Td (estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.04 592.25 Td (future ) Tj ET Q q 0 0 0 rg BT 87.63 592.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 108.10 592.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 133.03 592.25 Td (or ) Tj ET Q q 0 0 0 rg BT 144.07 592.25 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 191.23 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 201.72 592.25 Td (our ) Tj ET Q q 0 0 0 rg BT 217.76 592.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 256.86 592.25 Td (could ) Tj ET Q q 0 0 0 rg BT 281.78 592.25 Td (indicate ) Tj ET Q q 0 0 0 rg BT 316.14 592.25 Td (that ) Tj ET Q q 0 0 0 rg BT 333.85 592.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 372.11 592.25 Td (might ) Tj ET Q q 0 0 0 rg BT 398.16 592.25 Td (be ) Tj ET Q q 0 0 0 rg BT 410.30 592.25 Td (impaired. ) Tj ET Q q 0 0 0 rg BT 451.05 592.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 469.31 592.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 509.24 592.25 Td (methodology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.88 580.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 103.32 580.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 151.64 580.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 186.06 580.25 Td (management ) Tj ET Q q 0 0 0 rg BT 239.37 580.25 Td (to ) Tj ET Q q 0 0 0 rg BT 249.36 580.25 Td (make ) Tj ET Q q 0 0 0 rg BT 273.24 580.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 317.12 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 333.78 580.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 385.44 580.25 Td (based ) Tj ET Q q 0 0 0 rg BT 410.43 580.25 Td (on ) Tj ET Q q 0 0 0 rg BT 422.65 580.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 462.08 580.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 507.60 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.26 580.25 Td (to ) Tj ET Q q 0 0 0 rg BT 534.25 580.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 552.02 580.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (projections ) Tj ET Q q 0 0 0 rg BT 97.23 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.35 568.25 Td (future ) Tj ET Q q 0 0 0 rg BT 135.02 568.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 175.57 568.25 Td (performance. ) Tj ET Q q 0 0 0 rg BT 231.39 568.25 Td (Projections ) Tj ET Q q 0 0 0 rg BT 279.17 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.30 568.25 Td (future ) Tj ET Q q 0 0 0 rg BT 316.96 568.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 357.52 568.25 Td (results ) Tj ET Q q 0 0 0 rg BT 386.42 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.65 568.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 424.21 568.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 449.23 568.25 Td (may ) Tj ET Q q 0 0 0 rg BT 469.23 568.25 Td (vary ) Tj ET Q q 0 0 0 rg BT 489.79 568.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 542.58 568.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 75.72 556.25 Td (results. ) Tj ET Q q 0 0 0 rg BT 105.77 556.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 155.67 556.25 Td (, ) Tj ET Q q 0 0 0 rg BT 160.02 556.25 Td (if ) Tj ET Q q 0 0 0 rg BT 167.98 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 183.16 556.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 217.23 556.25 Td (results ) Tj ET Q q 0 0 0 rg BT 245.19 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 254.81 556.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 302.76 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 312.39 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 327.57 556.25 Td (goodwill, ) Tj ET Q q 0 0 0 rg BT 367.48 556.25 Td (we ) Tj ET Q q 0 0 0 rg BT 380.99 556.25 Td (would ) Tj ET Q q 0 0 0 rg BT 407.83 556.25 Td (be ) Tj ET Q q 0 0 0 rg BT 419.12 556.25 Td (required ) Tj ET Q q 0 0 0 rg BT 454.29 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 463.92 556.25 Td (record ) Tj ET Q q 0 0 0 rg BT 491.30 556.25 Td (a ) Tj ET Q q 0 0 0 rg BT 497.59 556.25 Td (non-cash ) Tj ET Q q 0 0 0 rg BT 535.54 556.25 Td (char) Tj ET Q q 0 0 0 rg BT 552.57 556.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.13 544.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 96.36 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 106.48 544.25 Td (our ) Tj ET Q q 0 0 0 rg BT 122.16 544.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 159.49 544.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 204.06 544.25 Td (during ) Tj ET Q q 0 0 0 rg BT 232.52 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.08 544.25 Td (period ) Tj ET Q q 0 0 0 rg BT 274.98 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 285.11 544.25 Td (which ) Tj ET Q q 0 0 0 rg BT 311.90 544.25 Td (such ) Tj ET Q q 0 0 0 rg BT 332.58 544.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 381.02 544.25 Td (is ) Tj ET Q q 0 0 0 rg BT 390.04 544.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 437.38 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 447.50 544.25 Td (exist. ) Tj ET Q q 0 0 0 rg BT 470.72 544.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 490.29 544.25 Td (such ) Tj ET Q q 0 0 0 rg BT 510.97 544.25 Td (char) Tj ET Q q 0 0 0 rg BT 528.00 544.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 539.79 544.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 532.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 532.25 Td (material ) Tj ET Q q 0 0 0 rg BT 113.57 532.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 146.61 532.25 Td (ef) Tj ET Q q 0 0 0 rg BT 154.20 532.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.68 532.25 Td (on ) Tj ET Q q 0 0 0 rg BT 184.18 532.25 Td (our ) Tj ET Q q 0 0 0 rg BT 200.01 532.25 Td (results ) Tj ET Q q 0 0 0 rg BT 228.62 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.45 532.25 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (Uncertainty ) Tj ET Q q 0 0 0 rg BT 101.39 514.25 Td (about ) Tj ET Q q 0 0 0 rg BT 127.23 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.50 514.25 Td (future ) Tj ET Q q 0 0 0 rg BT 170.57 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 181.40 514.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 214.46 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 234.17 514.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 274.99 514.25 Td (af) Tj ET Q q 0 0 0 rg BT 283.14 514.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 300.63 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 317.58 514.25 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 102.89 496.25 Td (is ) Tj ET Q q 0 0 0 rg BT 112.45 496.25 Td (used ) Tj ET Q q 0 0 0 rg BT 133.66 496.25 Td (extensively ) Tj ET Q q 0 0 0 rg BT 182.09 496.25 Td (in ) Tj ET Q q 0 0 0 rg BT 192.76 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 207.87 496.25 Td (United ) Tj ET Q q 0 0 0 rg BT 237.97 496.25 Td (States ) Tj ET Q q 0 0 0 rg BT 264.75 496.25 Td (as ) Tj ET Q q 0 0 0 rg BT 275.96 496.25 Td (a ) Tj ET Q q 0 0 0 rg BT 283.29 496.25 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 330.60 496.25 Td (for ) Tj ET Q q 0 0 0 rg BT 345.15 496.25 Td (various ) Tj ET Q q 0 0 0 rg BT 377.48 496.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 427.56 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.89 496.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 482.76 496.25 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 524.24 496.25 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 92.35 484.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 109.13 484.25 Td (mortgages, ) Tj ET Q q 0 0 0 rg BT 155.09 484.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 194.65 484.25 Td (debt, ) Tj ET Q q 0 0 0 rg BT 216.17 484.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 247.41 484.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 264.19 484.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 290.44 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 306.68 484.25 Td (other ) Tj ET Q q 0 0 0 rg BT 329.03 484.25 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 377.21 484.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 409.01 484.25 Td (is ) Tj ET Q q 0 0 0 rg BT 417.48 484.25 Td (set ) Tj ET Q q 0 0 0 rg BT 430.40 484.25 Td (based ) Tj ET Q q 0 0 0 rg BT 454.97 484.25 Td (on ) Tj ET Q q 0 0 0 rg BT 466.77 484.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 498.01 484.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 514.80 484.25 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.67 472.25 Td (by ) Tj ET Q q 0 0 0 rg BT 98.03 472.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 127.59 472.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 155.78 472.25 Td (which ) Tj ET Q q 0 0 0 rg BT 182.57 472.25 Td (may ) Tj ET Q q 0 0 0 rg BT 202.15 472.25 Td (stop ) Tj ET Q q 0 0 0 rg BT 221.17 472.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 260.19 472.25 Td (such ) Tj ET Q q 0 0 0 rg BT 280.88 472.25 Td (information ) Tj ET Q q 0 0 0 rg BT 330.44 472.25 Td (after ) Tj ET Q q 0 0 0 rg BT 351.12 472.25 Td (2021. ) Tj ET Q q 0 0 0 rg BT 375.97 472.25 Td (It ) Tj ET Q q 0 0 0 rg BT 384.44 472.25 Td (is ) Tj ET Q q 0 0 0 rg BT 393.47 472.25 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 433.03 472.25 Td (at ) Tj ET Q q 0 0 0 rg BT 442.60 472.25 Td (this ) Tj ET Q q 0 0 0 rg BT 459.41 472.25 Td (time ) Tj ET Q q 0 0 0 rg BT 479.54 472.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 514.10 472.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 546.46 472.25 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (change ) Tj ET Q q 0 0 0 rg BT 79.65 460.25 Td (or ) Tj ET Q q 0 0 0 rg BT 89.31 460.25 Td (cease ) Tj ET Q q 0 0 0 rg BT 112.29 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 121.41 460.25 Td (exist ) Tj ET Q q 0 0 0 rg BT 141.63 460.25 Td (or ) Tj ET Q q 0 0 0 rg BT 151.29 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.84 460.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 190.61 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 199.73 460.25 Td (which ) Tj ET Q q 0 0 0 rg BT 225.50 460.25 Td (those ) Tj ET Q q 0 0 0 rg BT 247.94 460.25 Td (entering ) Tj ET Q q 0 0 0 rg BT 282.04 460.25 Td (into ) Tj ET Q q 0 0 0 rg BT 298.93 460.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 335.25 460.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 372.67 460.25 Td (will ) Tj ET Q q 0 0 0 rg BT 389.56 460.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 428.67 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 437.79 460.25 Td (any ) Tj ET Q q 0 0 0 rg BT 453.56 460.25 Td (other ) Tj ET Q q 0 0 0 rg BT 475.44 460.25 Td (particular ) Tj ET Q q 0 0 0 rg BT 515.08 460.25 Td (benchmark. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 76.24 448.25 Td (benchmarks ) Tj ET Q q 0 0 0 rg BT 128.03 448.25 Td (may ) Tj ET Q q 0 0 0 rg BT 148.72 448.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 184.40 448.25 Td (dif) Tj ET Q q 0 0 0 rg BT 195.33 448.25 Td (ferently ) Tj ET Q q 0 0 0 rg BT 229.90 448.25 Td (than ) Tj ET Q q 0 0 0 rg BT 250.58 448.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 284.06 448.25 Td (or ) Tj ET Q q 0 0 0 rg BT 295.86 448.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 341.53 448.25 Td (benchmarks ) Tj ET Q q 0 0 0 rg BT 393.32 448.25 Td (have ) Tj ET Q q 0 0 0 rg BT 415.67 448.25 Td (performed ) Tj ET Q q 0 0 0 rg BT 460.79 448.25 Td (in ) Tj ET Q q 0 0 0 rg BT 472.04 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.73 448.25 Td (past ) Tj ET Q q 0 0 0 rg BT 507.31 448.25 Td (or ) Tj ET Q q 0 0 0 rg BT 519.12 448.25 Td (have ) Tj ET Q q 0 0 0 rg BT 541.47 448.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (consequences ) Tj ET Q q 0 0 0 rg BT 107.44 436.25 Td (that ) Tj ET Q q 0 0 0 rg BT 124.91 436.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 154.03 436.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 192.59 436.25 Td (be ) Tj ET Q q 0 0 0 rg BT 204.49 436.25 Td (anticipated. ) Tj ET Q q 0 0 0 rg BT 253.33 436.25 Td (It ) Tj ET Q q 0 0 0 rg BT 261.90 436.25 Td (is ) Tj ET Q q 0 0 0 rg BT 271.04 436.25 Td (also ) Tj ET Q q 0 0 0 rg BT 289.62 436.25 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 329.29 436.25 Td (what ) Tj ET Q q 0 0 0 rg BT 351.19 436.25 Td (will ) Tj ET Q q 0 0 0 rg BT 369.22 436.25 Td (happen ) Tj ET Q q 0 0 0 rg BT 400.56 436.25 Td (with ) Tj ET Q q 0 0 0 rg BT 420.81 436.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 469.94 436.25 Td (that ) Tj ET Q q 0 0 0 rg BT 487.40 436.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 505.42 436.25 Td (on ) Tj ET Q q 0 0 0 rg BT 517.88 436.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 550.35 436.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (future ) Tj ET Q q 0 0 0 rg BT 76.38 424.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 108.31 424.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 125.80 424.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 176.07 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 193.01 424.25 Td (which ) Tj ET Q q 0 0 0 rg BT 219.95 424.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 250.21 424.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 299.38 424.25 Td (if ) Tj ET Q q 0 0 0 rg BT 307.98 424.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 340.48 424.25 Td (ceases ) Tj ET Q q 0 0 0 rg BT 368.52 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 378.80 424.25 Td (exist. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 406.25 Td (e ) Tj ET Q q 0 0 0 rg BT 86.39 406.25 Td (have ) Tj ET Q q 0 0 0 rg BT 108.57 406.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 151.86 406.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 191.27 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.01 406.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 240.65 406.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.18 406.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 300.59 406.25 Td (tied ) Tj ET Q q 0 0 0 rg BT 318.89 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 329.98 406.25 Td (LIBOR. ) Tj ET Q q 0 0 0 rg BT 365.06 406.25 Td (Although ) Tj ET Q q 0 0 0 rg BT 406.15 406.25 Td (we ) Tj ET Q q 0 0 0 rg BT 421.12 406.25 Td (are ) Tj ET Q q 0 0 0 rg BT 436.63 406.25 Td (not ) Tj ET Q q 0 0 0 rg BT 452.72 406.25 Td (yet ) Tj ET Q q 0 0 0 rg BT 468.25 406.25 Td (able ) Tj ET Q q 0 0 0 rg BT 488.21 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 499.30 406.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 527.05 406.25 Td (what ) Tj ET Q q 0 0 0 rg BT 549.80 406.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 85.38 394.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 115.21 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 126.15 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.99 394.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 181.37 394.25 Td (from ) Tj ET Q q 0 0 0 rg BT 203.43 394.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 236.04 394.25 Td (will ) Tj ET Q q 0 0 0 rg BT 254.21 394.25 Td (be, ) Tj ET Q q 0 0 0 rg BT 268.77 394.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 297.48 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 307.87 394.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 353.79 394.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 387.50 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 402.33 394.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 442.72 394.25 Td (could ) Tj ET Q q 0 0 0 rg BT 467.55 394.25 Td (have ) Tj ET Q q 0 0 0 rg BT 489.05 394.25 Td (a ) Tj ET Q q 0 0 0 rg BT 496.10 394.25 Td (material ) Tj ET Q q 0 0 0 rg BT 531.47 394.25 Td (adverse ) 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 75.07 382.25 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 382.25 Td (our ) Tj ET Q q 0 0 0 rg BT 103.40 382.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 142.29 382.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 179.78 382.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 220.05 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.99 382.25 Td (results ) Tj ET Q q 0 0 0 rg BT 265.60 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 276.43 382.25 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (Risks ) Tj ET Q q 0 0 0 rg BT 75.29 346.25 Td (Applicable to the Regulation of our) Tj ET Q q 0 0 0 rg BT 225.39 346.25 Td ( Industry) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 328.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.28 328.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 96.52 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 106.56 328.25 Td (a ) Tj ET Q q 0 0 0 rg BT 113.25 328.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 141.06 328.25 Td (regulated ) Tj ET Q q 0 0 0 rg BT 181.65 328.25 Td (environment, ) Tj ET Q q 0 0 0 rg BT 238.07 328.25 Td (which ) Tj ET Q q 0 0 0 rg BT 264.77 328.25 Td (could ) Tj ET Q q 0 0 0 rg BT 289.24 328.25 Td (have ) Tj ET Q q 0 0 0 rg BT 310.38 328.25 Td (a ) Tj ET Q q 0 0 0 rg BT 317.07 328.25 Td (material ) Tj ET Q q 0 0 0 rg BT 353.21 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.46 328.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 403.26 328.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 432.72 328.25 Td (on ) Tj ET Q q 0 0 0 rg BT 444.98 328.25 Td (our ) Tj ET Q q 0 0 0 rg BT 461.13 328.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 506.16 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 523.42 328.25 Td (activities, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 89.73 316.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 133.62 316.25 Td (results ) Tj ET Q q 0 0 0 rg BT 163.35 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.18 316.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 222.52 316.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 253.93 316.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 278.66 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 296.72 316.25 Td (future ) Tj ET Q q 0 0 0 rg BT 324.78 316.25 Td (prospects.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 298.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 106.24 298.25 Td (is ) Tj ET Q q 0 0 0 rg BT 115.27 298.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 143.18 298.25 Td (regulated ) Tj ET Q q 0 0 0 rg BT 182.74 298.25 Td (under ) Tj ET Q q 0 0 0 rg BT 207.86 298.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 237.97 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 254.76 298.25 Td (state ) Tj ET Q q 0 0 0 rg BT 275.44 298.25 Td (law) Tj ET Q q 0 0 0 rg BT 289.23 298.25 Td (. ) Tj ET Q q 0 0 0 rg BT 293.92 298.25 Td (W) Tj ET Q q 0 0 0 rg BT 302.55 298.25 Td (e ) Tj ET Q q 0 0 0 rg BT 309.35 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 323.91 298.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 354.59 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 364.72 298.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 404.84 298.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 447.74 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 464.53 298.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 512.99 298.25 Td (that ) Tj ET Q q 0 0 0 rg BT 530.34 298.25 Td (governs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (almost ) Tj ET Q q 0 0 0 rg BT 77.95 286.25 Td (all ) Tj ET Q q 0 0 0 rg BT 89.24 286.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 119.40 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.02 286.25 Td (our ) Tj ET Q q 0 0 0 rg BT 143.64 286.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 188.80 286.25 Td (As ) Tj ET Q q 0 0 0 rg BT 201.20 286.25 Td (a ) Tj ET Q q 0 0 0 rg BT 206.92 286.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 247.64 286.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 268.36 286.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 300.21 286.25 Td (company) Tj ET Q q 0 0 0 rg BT 336.21 286.25 Td (, ) Tj ET Q q 0 0 0 rg BT 340.00 286.25 Td (we ) Tj ET Q q 0 0 0 rg BT 352.95 286.25 Td (are ) Tj ET Q q 0 0 0 rg BT 366.44 286.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 396.06 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 405.12 286.25 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 455.02 286.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 496.85 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.58 286.25 Td (examination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (by ) Tj ET Q q 0 0 0 rg BT 61.42 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.05 274.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 106.45 274.25 Td (Reserve. ) Tj ET Q q 0 0 0 rg BT 142.26 274.25 Td (As ) Tj ET Q q 0 0 0 rg BT 154.79 274.25 Td (a ) Tj ET Q q 0 0 0 rg BT 160.64 274.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 209.26 274.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 230.11 274.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 268.72 274.25 Td (under ) Tj ET Q q 0 0 0 rg BT 292.91 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.54 274.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 326.28 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 336.03 274.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 388.27 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 401.90 274.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 424.42 274.25 Td (is ) Tj ET Q q 0 0 0 rg BT 432.51 274.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 462.25 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.45 274.25 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 521.47 274.25 Td (regulation ) 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 66.94 262.25 Td (examination ) Tj ET Q q 0 0 0 rg BT 118.87 262.25 Td (by ) Tj ET Q q 0 0 0 rg BT 131.37 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 146.08 262.25 Td (State ) Tj ET Q q 0 0 0 rg BT 168.58 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 179.41 262.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 230.23 262.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 279.93 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.76 262.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 327.15 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 344.09 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 358.80 262.25 Td (FDIC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 244.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.45 244.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 121.01 244.25 Td (goals ) Tj ET Q q 0 0 0 rg BT 144.02 244.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.25 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.37 244.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 189.71 244.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 232.70 244.25 Td (system ) Tj ET Q q 0 0 0 rg BT 262.38 244.25 Td (are ) Tj ET Q q 0 0 0 rg BT 276.49 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 286.17 244.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 323.06 244.25 Td (a ) Tj ET Q q 0 0 0 rg BT 329.40 244.25 Td (safe ) Tj ET Q q 0 0 0 rg BT 347.40 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 363.75 244.25 Td (sound ) Tj ET Q q 0 0 0 rg BT 389.54 244.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 423.66 244.25 Td (system ) Tj ET Q q 0 0 0 rg BT 453.34 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.68 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 479.36 244.25 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 516.24 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.35 244.25 Td (conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.10 232.25 Td (sound ) Tj ET Q q 0 0 0 rg BT 87.77 232.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 128.30 232.25 Td (policy) Tj ET Q q 0 0 0 rg BT 152.65 232.25 Td (. ) Tj ET Q q 0 0 0 rg BT 157.72 232.25 Td (This ) Tj ET Q q 0 0 0 rg BT 178.27 232.25 Td (system ) Tj ET Q q 0 0 0 rg BT 208.82 232.25 Td (is ) Tj ET Q q 0 0 0 rg BT 218.26 232.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 255.47 232.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 295.45 232.25 Td (for ) Tj ET Q q 0 0 0 rg BT 309.89 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 324.88 232.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 368.19 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.29 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.28 232.25 Td (FDIC) Tj ET Q q 0 0 0 rg BT 419.84 232.25 Td (s ) Tj ET Q q 0 0 0 rg BT 426.51 232.25 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 460.39 232.25 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 502.03 232.25 Td (Fund ) Tj ET Q q 0 0 0 rg BT 525.36 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 542.57 232.25 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (depositors, ) Tj ET Q q 0 0 0 rg BT 96.47 220.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 122.64 220.25 Td (than ) Tj ET Q q 0 0 0 rg BT 142.71 220.25 Td (our ) Tj ET Q q 0 0 0 rg BT 158.90 220.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 212.30 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 229.59 220.25 Td (creditors. ) Tj ET Q q 0 0 0 rg BT 269.73 220.25 Td (The ) Tj ET Q q 0 0 0 rg BT 288.14 220.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 323.21 220.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 360.49 220.25 Td (have ) Tj ET Q q 0 0 0 rg BT 382.23 220.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 407.85 220.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 460.68 220.25 Td (power ) Tj ET Q q 0 0 0 rg BT 488.53 220.25 Td (over ) Tj ET Q q 0 0 0 rg BT 509.16 220.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.45 220.25 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 95.62 208.25 Td (and ) Tj ET Q q 0 0 0 rg BT 112.92 208.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 141.61 208.25 Td (including ) Tj ET Q q 0 0 0 rg BT 182.25 208.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.32 208.25 Td (authority) Tj ET Q q 0 0 0 rg BT 232.78 208.25 Td (, ) Tj ET Q q 0 0 0 rg BT 238.14 208.25 Td (among ) Tj ET Q q 0 0 0 rg BT 268.22 208.25 Td (other ) Tj ET Q q 0 0 0 rg BT 291.62 208.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 321.43 208.25 Td (to ) Tj ET Q q 0 0 0 rg BT 332.07 208.25 Td (enjoin ) Tj ET Q q 0 0 0 rg BT 359.93 208.25 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 393.32 208.25 Td (or ) Tj ET Q q 0 0 0 rg BT 404.51 208.25 Td (unsound ) Tj ET Q q 0 0 0 rg BT 445.70 208.25 Td (practices, ) Tj ET Q q 0 0 0 rg BT 486.60 208.25 Td (require ) Tj ET Q q 0 0 0 rg BT 517.77 208.25 Td (af) Tj ET Q q 0 0 0 rg BT 525.36 208.25 Td (firmative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (action ) Tj ET Q q 0 0 0 rg BT 77.07 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 87.49 196.25 Td (correct ) Tj ET Q q 0 0 0 rg BT 117.88 196.25 Td (any ) Tj ET Q q 0 0 0 rg BT 134.96 196.25 Td (violation ) Tj ET Q q 0 0 0 rg BT 173.15 196.25 Td (or ) Tj ET Q q 0 0 0 rg BT 184.12 196.25 Td (practice, ) Tj ET Q q 0 0 0 rg BT 220.89 196.25 Td (issue ) Tj ET Q q 0 0 0 rg BT 243.53 196.25 Td (administrative ) Tj ET Q q 0 0 0 rg BT 303.38 196.25 Td (orders ) Tj ET Q q 0 0 0 rg BT 331.01 196.25 Td (that ) Tj ET Q q 0 0 0 rg BT 348.64 196.25 Td (can ) Tj ET Q q 0 0 0 rg BT 365.15 196.25 Td (be ) Tj ET Q q 0 0 0 rg BT 377.23 196.25 Td (judicially ) Tj ET Q q 0 0 0 rg BT 417.64 196.25 Td (enforced, ) Tj ET Q q 0 0 0 rg BT 457.75 196.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 483.15 196.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 522.44 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 532.85 196.25 Td (capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 75.70 184.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.85 184.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 109.33 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.60 184.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 170.75 184.25 Td (or ) Tj ET Q q 0 0 0 rg BT 182.01 184.25 Td (other ) Tj ET Q q 0 0 0 rg BT 205.49 184.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 234.26 184.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 256.08 184.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 297.91 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.28 184.25 Td (distributions, ) Tj ET Q q 0 0 0 rg BT 370.72 184.25 Td (restrict ) Tj ET Q q 0 0 0 rg BT 401.42 184.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 435.18 184.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 462.56 184.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 483.27 184.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 523.96 184.25 Td (penalties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (remove ) Tj ET Q q 0 0 0 rg BT 82.15 172.25 Td (of) Tj ET Q q 0 0 0 rg BT 90.30 172.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 114.67 172.25 Td (and ) Tj ET Q q 0 0 0 rg BT 131.27 172.25 Td (directors, ) Tj ET Q q 0 0 0 rg BT 170.92 172.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 190.03 172.25 Td (with ) Tj ET Q q 0 0 0 rg BT 209.97 172.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 240.45 172.25 Td (to ) Tj ET Q q 0 0 0 rg BT 250.39 172.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 278.39 172.25 Td (terminate ) Tj ET Q q 0 0 0 rg BT 318.31 172.25 Td (our ) Tj ET Q q 0 0 0 rg BT 333.81 172.25 Td (charter) Tj ET Q q 0 0 0 rg BT 361.16 172.25 Td (, ) Tj ET Q q 0 0 0 rg BT 365.82 172.25 Td (terminate ) Tj ET Q q 0 0 0 rg BT 405.75 172.25 Td (our ) Tj ET Q q 0 0 0 rg BT 421.24 172.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 452.29 172.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 492.77 172.25 Td (or ) Tj ET Q q 0 0 0 rg BT 503.27 172.25 Td (place ) Tj ET Q q 0 0 0 rg BT 526.53 172.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.91 172.25 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (into ) Tj ET Q q 0 0 0 rg BT 67.81 160.25 Td (conservatorship ) Tj ET Q q 0 0 0 rg BT 133.38 160.25 Td (or ) Tj ET Q q 0 0 0 rg BT 143.96 160.25 Td (receivership. ) Tj ET Q q 0 0 0 rg BT 197.57 160.25 Td (In ) Tj ET Q q 0 0 0 rg BT 208.16 160.25 Td (general, ) Tj ET Q q 0 0 0 rg BT 242.33 160.25 Td (these ) Tj ET Q q 0 0 0 rg BT 265.13 160.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 317.36 160.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 347.93 160.25 Td (may ) Tj ET Q q 0 0 0 rg BT 367.40 160.25 Td (be ) Tj ET Q q 0 0 0 rg BT 379.09 160.25 Td (initiated ) Tj ET Q q 0 0 0 rg BT 414.11 160.25 Td (for ) Tj ET Q q 0 0 0 rg BT 428.03 160.25 Td (violations ) Tj ET Q q 0 0 0 rg BT 469.72 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 480.31 160.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 500.89 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.58 160.25 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 148.25 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 89.43 148.25 Td (or ) Tj ET Q q 0 0 0 rg BT 100.26 148.25 Td (unsound ) Tj ET Q q 0 0 0 rg BT 136.65 148.25 Td (practices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 130.25 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 121.03 130.25 Td (with ) Tj ET Q q 0 0 0 rg BT 141.51 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 156.44 130.25 Td (myriad ) Tj ET Q q 0 0 0 rg BT 187.47 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.50 130.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 219.54 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.69 130.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 283.83 130.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 327.62 130.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.11 130.25 Td (our ) Tj ET Q q 0 0 0 rg BT 354.14 130.25 Td (or) Tj ET Q q 0 0 0 rg BT 362.29 130.25 Td (ganization ) Tj ET Q q 0 0 0 rg BT 406.65 130.25 Td (can ) Tj ET Q q 0 0 0 rg BT 423.23 130.25 Td (be ) Tj ET Q q 0 0 0 rg BT 435.38 130.25 Td (dif) Tj ET Q q 0 0 0 rg BT 446.30 130.25 Td (ficult ) Tj ET Q q 0 0 0 rg BT 470.11 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 487.26 130.25 Td (costly) Tj ET Q q 0 0 0 rg BT 510.50 130.25 Td (. ) Tj ET Q q 0 0 0 rg BT 515.70 130.25 Td (In ) Tj ET Q q 0 0 0 rg BT 526.74 130.25 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (these ) Tj ET Q q 0 0 0 rg BT 74.22 118.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 98.72 118.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 146.83 118.25 Td (and ) Tj ET Q q 0 0 0 rg BT 164.94 118.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 199.71 118.25 Td (are ) Tj ET Q q 0 0 0 rg BT 215.59 118.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 247.59 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.04 118.25 Td (continual ) Tj ET Q q 0 0 0 rg BT 299.92 118.25 Td (review ) Tj ET Q q 0 0 0 rg BT 330.80 118.25 Td (by ) Tj ET Q q 0 0 0 rg BT 344.47 118.25 Td (governmental ) Tj ET Q q 0 0 0 rg BT 403.13 118.25 Td (authorities, ) Tj ET Q q 0 0 0 rg BT 451.51 118.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.62 118.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 505.50 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 516.95 118.25 Td (these ) Tj ET Q q 0 0 0 rg BT 541.17 118.25 Td (laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 96.30 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 112.60 106.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 148.07 106.25 Td (including ) Tj ET Q q 0 0 0 rg BT 187.71 106.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 221.78 106.25 Td (in ) Tj ET Q q 0 0 0 rg BT 231.43 106.25 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 287.16 106.25 Td (or ) Tj ET Q q 0 0 0 rg BT 297.35 106.25 Td (implementation ) Tj ET Q q 0 0 0 rg BT 361.98 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 372.18 106.25 Td (these ) Tj ET Q q 0 0 0 rg BT 394.59 106.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 417.29 106.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 463.58 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 479.89 106.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 515.36 106.25 Td (could ) Tj ET Q q 0 0 0 rg BT 539.44 106.25 Td (af) Tj ET Q q 0 0 0 rg BT 547.03 106.25 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (us ) Tj ET Q q 0 0 0 rg BT 60.36 94.25 Td (in ) Tj ET Q q 0 0 0 rg BT 69.61 94.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 113.85 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.76 94.25 Td (unpredictable ) Tj ET Q q 0 0 0 rg BT 185.64 94.25 Td (ways ) Tj ET Q q 0 0 0 rg BT 207.67 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.57 94.25 Td (often ) Tj ET Q q 0 0 0 rg BT 245.59 94.25 Td (impose ) Tj ET Q q 0 0 0 rg BT 275.94 94.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 317.40 94.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 364.96 94.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 388.93 94.25 Td (Further) Tj ET Q q 0 0 0 rg BT 417.97 94.25 Td (, ) Tj ET Q q 0 0 0 rg BT 421.94 94.25 Td (any ) Tj ET Q q 0 0 0 rg BT 437.84 94.25 Td (new ) Tj ET Q q 0 0 0 rg BT 455.97 94.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 478.27 94.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 499.18 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.08 94.25 Td (regulations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (such ) Tj ET Q q 0 0 0 rg BT 71.88 82.25 Td (as ) Tj ET Q q 0 0 0 rg BT 83.77 82.25 Td (the ) Tj ET Q q 0 0 0 rg BT 99.54 82.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 151.19 82.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 171.68 82.25 Td (could ) Tj ET Q q 0 0 0 rg BT 197.45 82.25 Td (make ) Tj ET Q q 0 0 0 rg BT 222.66 82.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 272.30 82.25 Td (more ) Tj ET Q q 0 0 0 rg BT 296.40 82.25 Td (dif) Tj ET Q q 0 0 0 rg BT 307.33 82.25 Td (ficult ) Tj ET Q q 0 0 0 rg BT 331.99 82.25 Td (or ) Tj ET Q q 0 0 0 rg BT 343.87 82.25 Td (expensive. ) Tj ET Q q 0 0 0 rg BT 389.13 82.25 Td (All ) Tj ET Q q 0 0 0 rg BT 405.46 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 417.34 82.25 Td (these ) Tj ET Q q 0 0 0 rg BT 441.44 82.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 463.33 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.32 82.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 531.81 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 82.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 98.75 70.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 144.72 70.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 187.90 70.25 Td (to ) Tj ET Q q 0 0 0 rg BT 197.77 70.25 Td (our ) Tj ET Q q 0 0 0 rg BT 213.20 70.25 Td (industry) Tj ET Q q 0 0 0 rg BT 245.33 70.25 Td (, ) Tj ET Q q 0 0 0 rg BT 249.92 70.25 Td (could ) Tj ET Q q 0 0 0 rg BT 274.23 70.25 Td (have ) Tj ET Q q 0 0 0 rg BT 295.21 70.25 Td (a ) Tj ET Q q 0 0 0 rg BT 301.74 70.25 Td (material ) Tj ET Q q 0 0 0 rg BT 336.59 70.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 369.22 70.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 398.53 70.25 Td (on ) Tj ET Q q 0 0 0 rg BT 410.63 70.25 Td (our ) Tj ET Q q 0 0 0 rg BT 426.05 70.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 469.80 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 486.33 70.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 527.03 70.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 92.77 58.25 Td (results ) Tj ET Q q 0 0 0 rg BT 121.38 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.21 58.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 178.87 58.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 209.70 58.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 233.31 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 250.24 58.25 Td (future ) Tj ET Q q 0 0 0 rg BT 276.62 58.25 Td (prospects.) 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 (26) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 85.40 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.14 742.25 Td (state ) Tj ET Q q 0 0 0 rg BT 126.21 742.25 Td (regulators ) Tj ET Q q 0 0 0 rg BT 171.62 742.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 223.12 742.25 Td (examine ) Tj ET Q q 0 0 0 rg BT 261.30 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 278.93 742.25 Td (business ) Tj ET Q q 0 0 0 rg BT 317.13 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.87 742.25 Td (we ) Tj ET Q q 0 0 0 rg BT 350.16 742.25 Td (may ) Tj ET Q q 0 0 0 rg BT 370.56 742.25 Td (be ) Tj ET Q q 0 0 0 rg BT 383.18 742.25 Td (required ) Tj ET Q q 0 0 0 rg BT 421.36 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.32 742.25 Td (remediate ) Tj ET Q q 0 0 0 rg BT 476.04 742.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 510.32 742.25 Td (examination ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (findings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.43 712.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 121.30 712.25 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 158.89 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 712.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 199.66 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 216.98 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 232.08 712.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 283.28 712.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 333.37 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 344.58 712.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 381.35 712.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 431.99 712.25 Td (examine ) Tj ET Q q 0 0 0 rg BT 468.75 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 484.96 712.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 524.24 712.25 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.09 700.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 112.93 700.25 Td (with ) Tj ET Q q 0 0 0 rg BT 132.47 700.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 152.56 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 168.75 700.25 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 217.45 700.25 Td (If, ) Tj ET Q q 0 0 0 rg BT 228.36 700.25 Td (as ) Tj ET Q q 0 0 0 rg BT 238.45 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 244.65 700.25 Td (result ) Tj ET Q q 0 0 0 rg BT 268.62 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.71 700.25 Td (an ) Tj ET Q q 0 0 0 rg BT 289.91 700.25 Td (examination, ) Tj ET Q q 0 0 0 rg BT 343.59 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 349.79 700.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 392.64 700.25 Td (agency ) Tj ET Q q 0 0 0 rg BT 422.71 700.25 Td (were ) Tj ET Q q 0 0 0 rg BT 443.90 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 453.44 700.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 495.18 700.25 Td (that ) Tj ET Q q 0 0 0 rg BT 511.93 700.25 Td (our ) Tj ET Q q 0 0 0 rg BT 527.02 700.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 92.38 688.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.14 688.25 Td (resources, ) Tj ET Q q 0 0 0 rg BT 163.51 688.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 185.06 688.25 Td (quality) Tj ET Q q 0 0 0 rg BT 212.18 688.25 Td (, ) Tj ET Q q 0 0 0 rg BT 216.79 688.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 252.78 688.25 Td (prospects, ) Tj ET Q q 0 0 0 rg BT 295.16 688.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 350.85 688.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 386.86 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 397.29 688.25 Td (other ) Tj ET Q q 0 0 0 rg BT 419.95 688.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 450.94 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 461.38 688.25 Td (any ) Tj ET Q q 0 0 0 rg BT 477.92 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 488.36 688.25 Td (our ) Tj ET Q q 0 0 0 rg BT 503.80 688.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 547.57 688.25 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (become ) Tj ET Q q 0 0 0 rg BT 83.78 676.25 Td (unsatisfactory) Tj ET Q q 0 0 0 rg BT 139.22 676.25 Td (, ) Tj ET Q q 0 0 0 rg BT 144.40 676.25 Td (or ) Tj ET Q q 0 0 0 rg BT 155.42 676.25 Td (that ) Tj ET Q q 0 0 0 rg BT 173.10 676.25 Td (we ) Tj ET Q q 0 0 0 rg BT 187.44 676.25 Td (were ) Tj ET Q q 0 0 0 rg BT 209.55 676.25 Td (in ) Tj ET Q q 0 0 0 rg BT 220.01 676.25 Td (violation ) Tj ET Q q 0 0 0 rg BT 258.25 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.26 676.25 Td (any ) Tj ET Q q 0 0 0 rg BT 286.38 676.25 Td (law ) Tj ET Q q 0 0 0 rg BT 303.50 676.25 Td (or ) Tj ET Q q 0 0 0 rg BT 314.52 676.25 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 360.24 676.25 Td (it ) Tj ET Q q 0 0 0 rg BT 368.48 676.25 Td (may ) Tj ET Q q 0 0 0 rg BT 388.38 676.25 Td (take ) Tj ET Q q 0 0 0 rg BT 407.72 676.25 Td (a ) Tj ET Q q 0 0 0 rg BT 414.84 676.25 Td (number ) Tj ET Q q 0 0 0 rg BT 448.07 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 459.08 676.25 Td (dif) Tj ET Q q 0 0 0 rg BT 470.01 676.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 496.01 676.25 Td (remedial ) Tj ET Q q 0 0 0 rg BT 533.67 676.25 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.72 664.25 Td (it ) Tj ET Q q 0 0 0 rg BT 68.66 664.25 Td (deems ) Tj ET Q q 0 0 0 rg BT 96.59 664.25 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 146.83 664.25 Td (These ) Tj ET Q q 0 0 0 rg BT 173.10 664.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 203.81 664.25 Td (include ) Tj ET Q q 0 0 0 rg BT 235.63 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.23 664.25 Td (power ) Tj ET Q q 0 0 0 rg BT 277.60 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 287.77 664.25 Td (enjoin ) Tj ET Q q 0 0 0 rg BT 315.15 664.25 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 348.07 664.25 Td (or ) Tj ET Q q 0 0 0 rg BT 358.79 664.25 Td (unsound ) Tj ET Q q 0 0 0 rg BT 399.50 664.25 Td (practices, ) Tj ET Q q 0 0 0 rg BT 439.92 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 450.08 664.25 Td (require ) Tj ET Q q 0 0 0 rg BT 480.78 664.25 Td (af) Tj ET Q q 0 0 0 rg BT 488.37 664.25 Td (firmative ) Tj ET Q q 0 0 0 rg BT 527.41 664.25 Td (action ) Tj ET Q q 0 0 0 rg BT 554.22 664.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (correct ) Tj ET Q q 0 0 0 rg BT 80.09 652.25 Td (any ) Tj ET Q q 0 0 0 rg BT 96.87 652.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 140.87 652.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 178.20 652.25 Td (from ) Tj ET Q q 0 0 0 rg BT 199.97 652.25 Td (any ) Tj ET Q q 0 0 0 rg BT 216.75 652.25 Td (violation ) Tj ET Q q 0 0 0 rg BT 254.64 652.25 Td (or ) Tj ET Q q 0 0 0 rg BT 265.30 652.25 Td (practice, ) Tj ET Q q 0 0 0 rg BT 301.78 652.25 Td (to ) Tj ET Q q 0 0 0 rg BT 311.89 652.25 Td (issue ) Tj ET Q q 0 0 0 rg BT 334.23 652.25 Td (an ) Tj ET Q q 0 0 0 rg BT 346.01 652.25 Td (administrative ) Tj ET Q q 0 0 0 rg BT 405.55 652.25 Td (order ) Tj ET Q q 0 0 0 rg BT 428.98 652.25 Td (that ) Tj ET Q q 0 0 0 rg BT 446.32 652.25 Td (can ) Tj ET Q q 0 0 0 rg BT 462.53 652.25 Td (be ) Tj ET Q q 0 0 0 rg BT 474.30 652.25 Td (judicially ) Tj ET Q q 0 0 0 rg BT 514.41 652.25 Td (enforced, ) Tj ET Q q 0 0 0 rg BT 554.22 652.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 74.58 640.25 Td (an ) Tj ET Q q 0 0 0 rg BT 85.84 640.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 120.41 640.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.01 640.25 Td (our ) Tj ET Q q 0 0 0 rg BT 145.16 640.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 176.13 640.25 Td (to ) Tj ET Q q 0 0 0 rg BT 185.73 640.25 Td (restrict ) Tj ET Q q 0 0 0 rg BT 215.31 640.25 Td (our ) Tj ET Q q 0 0 0 rg BT 230.46 640.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 263.11 640.25 Td (to ) Tj ET Q q 0 0 0 rg BT 272.70 640.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 298.96 640.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 318.56 640.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 358.14 640.25 Td (penalties ) Tj ET Q q 0 0 0 rg BT 395.50 640.25 Td (against ) Tj ET Q q 0 0 0 rg BT 425.64 640.25 Td (our ) Tj ET Q q 0 0 0 rg BT 440.79 640.25 Td (of) Tj ET Q q 0 0 0 rg BT 448.94 640.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 472.97 640.25 Td (or ) Tj ET Q q 0 0 0 rg BT 483.12 640.25 Td (directors, ) Tj ET Q q 0 0 0 rg BT 522.42 640.25 Td (to ) Tj ET Q q 0 0 0 rg BT 532.02 640.25 Td (remove ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 628.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 81.86 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 97.80 628.25 Td (directors ) Tj ET Q q 0 0 0 rg BT 134.29 628.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 152.73 628.25 Td (if ) Tj ET Q q 0 0 0 rg BT 160.34 628.25 Td (it ) Tj ET Q q 0 0 0 rg BT 167.40 628.25 Td (is ) Tj ET Q q 0 0 0 rg BT 175.57 628.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 218.17 628.25 Td (that ) Tj ET Q q 0 0 0 rg BT 234.67 628.25 Td (such ) Tj ET Q q 0 0 0 rg BT 254.50 628.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 297.67 628.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 325.83 628.25 Td (be ) Tj ET Q q 0 0 0 rg BT 336.77 628.25 Td (corrected ) Tj ET Q q 0 0 0 rg BT 375.46 628.25 Td (or ) Tj ET Q q 0 0 0 rg BT 385.30 628.25 Td (there ) Tj ET Q q 0 0 0 rg BT 406.79 628.25 Td (is ) Tj ET Q q 0 0 0 rg BT 414.96 628.25 Td (an ) Tj ET Q q 0 0 0 rg BT 425.90 628.25 Td (imminent ) Tj ET Q q 0 0 0 rg BT 465.73 628.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 482.24 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.07 628.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 509.13 628.25 Td (to ) Tj ET Q q 0 0 0 rg BT 518.42 628.25 Td (depositors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.13 616.25 Td (terminate ) Tj ET Q q 0 0 0 rg BT 100.25 616.25 Td (our ) Tj ET Q q 0 0 0 rg BT 115.94 616.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 147.18 616.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 187.85 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 204.64 616.25 Td (place ) Tj ET Q q 0 0 0 rg BT 228.09 616.25 Td (us ) Tj ET Q q 0 0 0 rg BT 239.34 616.25 Td (into ) Tj ET Q q 0 0 0 rg BT 257.25 616.25 Td (receivership ) Tj ET Q q 0 0 0 rg BT 308.47 616.25 Td (or ) Tj ET Q q 0 0 0 rg BT 319.16 616.25 Td (conservatorship. ) Tj ET Q q 0 0 0 rg BT 386.81 616.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 406.39 616.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 449.84 616.25 Td (action ) Tj ET Q q 0 0 0 rg BT 476.63 616.25 Td (against ) Tj ET Q q 0 0 0 rg BT 507.31 616.25 Td (us ) Tj ET Q q 0 0 0 rg BT 518.55 616.25 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 616.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 604.25 Td (material ) Tj ET Q q 0 0 0 rg BT 92.20 604.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 125.23 604.25 Td (ef) Tj ET Q q 0 0 0 rg BT 132.82 604.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 150.31 604.25 Td (on ) Tj ET Q q 0 0 0 rg BT 162.81 604.25 Td (our ) Tj ET Q q 0 0 0 rg BT 178.64 604.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 217.53 604.25 Td (results ) Tj ET Q q 0 0 0 rg BT 246.14 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.97 604.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 303.62 604.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 341.10 604.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 381.38 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 398.32 604.25 Td (future ) Tj ET Q q 0 0 0 rg BT 424.69 604.25 Td (prospects.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.61 586.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 93.43 586.25 Td (s ) Tj ET Q q 0 0 0 rg BT 99.82 586.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 126.77 586.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 158.16 586.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 201.78 586.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 245.40 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 263.46 586.25 Td (assessments ) Tj ET Q q 0 0 0 rg BT 315.42 586.25 Td (may ) Tj ET Q q 0 0 0 rg BT 335.13 586.25 Td (increase.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 568.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.47 568.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 124.18 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 135.44 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.58 568.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 174.62 568.25 Td (are ) Tj ET Q q 0 0 0 rg BT 189.75 568.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 222.12 568.25 Td (by ) Tj ET Q q 0 0 0 rg BT 235.04 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.19 568.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 275.90 568.25 Td (up ) Tj ET Q q 0 0 0 rg BT 288.83 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 299.53 568.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 321.89 568.25 Td (limits ) Tj ET Q q 0 0 0 rg BT 347.60 568.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 367.47 568.25 Td (consequently) Tj ET Q q 0 0 0 rg BT 419.58 568.25 Td (, ) Tj ET Q q 0 0 0 rg BT 425.01 568.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 456.26 568.25 Td (it ) Tj ET Q q 0 0 0 rg BT 464.75 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 475.45 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.60 568.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 527.96 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 539.21 568.25 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 82.06 556.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 123.56 556.25 Td (assessments. ) Tj ET Q q 0 0 0 rg BT 177.34 556.25 Td (The ) Tj ET Q q 0 0 0 rg BT 196.06 556.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 219.95 556.25 Td (s ) Tj ET Q q 0 0 0 rg BT 227.02 556.25 Td (regular ) Tj ET Q q 0 0 0 rg BT 258.51 556.25 Td (assessments ) Tj ET Q q 0 0 0 rg BT 310.02 556.25 Td (are ) Tj ET Q q 0 0 0 rg BT 325.40 556.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 373.56 556.25 Td (by ) Tj ET Q q 0 0 0 rg BT 386.74 556.25 Td (its ) Tj ET Q q 0 0 0 rg BT 399.36 556.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 417.54 556.25 Td (classification, ) Tj ET Q q 0 0 0 rg BT 475.98 556.25 Td (which ) Tj ET Q q 0 0 0 rg BT 503.59 556.25 Td (is ) Tj ET Q q 0 0 0 rg BT 513.44 556.25 Td (based ) Tj ET Q q 0 0 0 rg BT 539.39 556.25 Td (on ) Tj ET Q q 0 0 0 rg BT 552.57 556.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.03 544.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.61 544.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 146.87 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 163.24 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.39 544.25 Td (level ) Tj ET Q q 0 0 0 rg BT 198.76 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.02 544.25 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 257.62 544.25 Td (concern ) Tj ET Q q 0 0 0 rg BT 291.20 544.25 Td (that ) Tj ET Q q 0 0 0 rg BT 308.13 544.25 Td (it ) Tj ET Q q 0 0 0 rg BT 315.62 544.25 Td (poses. ) Tj ET Q q 0 0 0 rg BT 341.84 544.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 361.00 544.25 Td (future ) Tj ET Q q 0 0 0 rg BT 386.81 544.25 Td (special ) Tj ET Q q 0 0 0 rg BT 416.51 544.25 Td (assessments, ) Tj ET Q q 0 0 0 rg BT 469.27 544.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 507.85 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 517.56 544.25 Td (assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.87 532.25 Td (or ) Tj ET Q q 0 0 0 rg BT 83.19 532.25 Td (required ) Tj ET Q q 0 0 0 rg BT 119.49 532.25 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 173.58 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 184.34 532.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 210.12 532.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 251.42 532.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 294.41 532.25 Td (could ) Tj ET Q q 0 0 0 rg BT 319.61 532.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 349.25 532.25 Td (our ) Tj ET Q q 0 0 0 rg BT 365.57 532.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 416.33 532.25 Td (or ) Tj ET Q q 0 0 0 rg BT 427.65 532.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 449.53 532.25 Td (our ) Tj ET Q q 0 0 0 rg BT 465.85 532.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 494.39 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 505.16 532.25 Td (pursue ) Tj ET Q q 0 0 0 rg BT 534.81 532.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (business ) Tj ET Q q 0 0 0 rg BT 86.88 520.25 Td (opportunities, ) Tj ET Q q 0 0 0 rg BT 145.14 520.25 Td (which ) Tj ET Q q 0 0 0 rg BT 172.57 520.25 Td (could ) Tj ET Q q 0 0 0 rg BT 197.77 520.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 241.29 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 258.72 520.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 300.02 520.25 Td (af) Tj ET Q q 0 0 0 rg BT 307.61 520.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 325.58 520.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.90 520.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 381.28 520.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 419.25 520.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 462.51 520.25 Td (results ) Tj ET Q q 0 0 0 rg BT 491.60 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 502.92 520.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 547.56 520.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (prospects.) Tj ET Q BT /F4 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 68.61 490.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 93.34 490.25 Td (is ) Tj ET Q q 0 0 0 rg BT 102.51 490.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 133.90 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 144.17 490.25 Td (further ) Tj ET Q q 0 0 0 rg BT 176.13 490.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 216.97 490.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 273.92 490.25 Td (under ) Tj ET Q q 0 0 0 rg BT 300.87 490.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 327.82 490.25 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 472.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.84 472.25 Td (are ) Tj ET Q q 0 0 0 rg BT 100.80 472.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 131.89 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 142.43 472.25 Td (further ) Tj ET Q q 0 0 0 rg BT 172.40 472.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 211.81 472.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 266.77 472.25 Td (under ) Tj ET Q q 0 0 0 rg BT 292.30 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.28 472.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 329.48 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 340.57 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.54 472.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 381.09 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 395.51 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.49 472.25 Td (year ) Tj ET Q q 0 0 0 rg BT 430.45 472.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 457.09 472.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 515.93 472.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 538.69 472.25 Td (as ) Tj ET Q q 0 0 0 rg BT 549.79 472.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 73.89 460.25 Td (s ) Tj ET Q q 0 0 0 rg BT 80.44 460.25 Td (total ) Tj ET Q q 0 0 0 rg BT 100.87 460.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 126.86 460.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 157.28 460.25 Td ($1.0billion, ) Tj ET Q q 0 0 0 rg BT 208.55 460.25 Td (including ) Tj ET Q q 0 0 0 rg BT 248.98 460.25 Td (a ) Tj ET Q q 0 0 0 rg BT 256.08 460.25 Td (requirement ) Tj ET Q q 0 0 0 rg BT 307.05 460.25 Td (for ) Tj ET Q q 0 0 0 rg BT 321.37 460.25 Td (management ) Tj ET Q q 0 0 0 rg BT 375.12 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 385.56 460.25 Td (prepare ) Tj ET Q q 0 0 0 rg BT 418.20 460.25 Td (a ) Tj ET Q q 0 0 0 rg BT 425.29 460.25 Td (report ) Tj ET Q q 0 0 0 rg BT 451.83 460.25 Td (that ) Tj ET Q q 0 0 0 rg BT 469.49 460.25 Td (contains ) Tj ET Q q 0 0 0 rg BT 505.47 460.25 Td (an ) Tj ET Q q 0 0 0 rg BT 517.57 460.25 Td (assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.90 448.25 Td (management ) Tj ET Q q 0 0 0 rg BT 116.89 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.13 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.25 448.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 167.13 448.25 Td (s ) Tj ET Q q 0 0 0 rg BT 173.93 448.25 Td (ef) Tj ET Q q 0 0 0 rg BT 181.52 448.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 228.84 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 240.08 448.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 273.52 448.25 Td (control ) Tj ET Q q 0 0 0 rg BT 304.75 448.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 342.64 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 359.98 448.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 406.75 448.25 Td (for ) Tj ET Q q 0 0 0 rg BT 421.31 448.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 459.19 448.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 498.75 448.25 Td (as ) Tj ET Q q 0 0 0 rg BT 509.99 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.22 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.34 448.25 Td (end ) Tj ET Q q 0 0 0 rg BT 553.68 448.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (such ) Tj ET Q q 0 0 0 rg BT 70.15 436.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 93.62 436.25 Td (year) Tj ET Q q 0 0 0 rg BT 110.28 436.25 Td (. ) Tj ET Q q 0 0 0 rg BT 114.60 436.25 Td (In ) Tj ET Q q 0 0 0 rg BT 124.75 436.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 161.84 436.25 Td (we ) Tj ET Q q 0 0 0 rg BT 175.32 436.25 Td (are ) Tj ET Q q 0 0 0 rg BT 189.34 436.25 Td (required ) Tj ET Q q 0 0 0 rg BT 224.48 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 234.07 436.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 260.89 436.25 Td (an ) Tj ET Q q 0 0 0 rg BT 272.15 436.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 322.84 436.25 Td (public ) Tj ET Q q 0 0 0 rg BT 349.65 436.25 Td (accountant) Tj ET Q q 0 0 0 rg BT 395.74 436.25 Td (s ) Tj ET Q q 0 0 0 rg BT 401.45 436.25 Td (attestation ) Tj ET Q q 0 0 0 rg BT 444.37 436.25 Td (report ) Tj ET Q q 0 0 0 rg BT 470.06 436.25 Td (concerning ) Tj ET Q q 0 0 0 rg BT 516.31 436.25 Td (our ) Tj ET Q q 0 0 0 rg BT 531.46 436.25 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (control ) Tj ET Q q 0 0 0 rg BT 80.37 424.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 117.41 424.25 Td (over ) Tj ET Q q 0 0 0 rg BT 137.22 424.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 174.25 424.25 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 215.31 424.25 Td (The ) Tj ET Q q 0 0 0 rg BT 232.90 424.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 254.39 424.25 Td (for ) Tj ET Q q 0 0 0 rg BT 268.10 424.25 Td (management ) Tj ET Q q 0 0 0 rg BT 321.24 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 331.06 424.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 357.55 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.82 424.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 395.71 424.25 Td (s ) Tj ET Q q 0 0 0 rg BT 401.65 424.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 434.24 424.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 468.50 424.25 Td (over ) Tj ET Q q 0 0 0 rg BT 488.32 424.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 525.35 424.25 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (are ) Tj ET Q q 0 0 0 rg BT 66.07 412.25 Td (complex, ) Tj ET Q q 0 0 0 rg BT 106.86 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 125.16 412.25 Td (require ) Tj ET Q q 0 0 0 rg BT 157.33 412.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 203.40 412.25 Td (documentation, ) Tj ET Q q 0 0 0 rg BT 269.19 412.25 Td (testing ) Tj ET Q q 0 0 0 rg BT 299.71 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.01 412.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 354.65 412.25 Td (remediation. ) Tj ET Q q 0 0 0 rg BT 408.49 412.25 Td (The ) Tj ET Q q 0 0 0 rg BT 427.89 412.25 Td (ef) Tj ET Q q 0 0 0 rg BT 435.48 412.25 Td (fort ) Tj ET Q q 0 0 0 rg BT 453.78 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 465.41 412.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 499.27 412.25 Td (with ) Tj ET Q q 0 0 0 rg BT 520.91 412.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 105.01 400.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 138.36 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 148.94 400.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 182.29 400.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 217.31 400.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 242.33 400.25 Td (us ) Tj ET Q q 0 0 0 rg BT 254.03 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 264.61 400.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 287.96 400.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 328.53 400.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 367.43 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 384.68 400.25 Td (a ) Tj ET Q q 0 0 0 rg BT 391.92 400.25 Td (diversion ) Tj ET Q q 0 0 0 rg BT 431.94 400.25 Td (of ) Tj ET Q q 0 0 0 rg BT 443.08 400.25 Td (management) Tj ET Q q 0 0 0 rg BT 496.95 400.25 Td (s ) Tj ET Q q 0 0 0 rg BT 503.65 400.25 Td (time ) Tj ET Q q 0 0 0 rg BT 524.23 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.47 400.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 83.24 388.25 Td (resources. ) Tj ET Q q 0 0 0 rg BT 126.20 388.25 Td (If ) Tj ET Q q 0 0 0 rg BT 135.55 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.47 388.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 174.27 388.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 203.63 388.25 Td (favorably ) Tj ET Q q 0 0 0 rg BT 244.64 388.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 271.78 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.70 388.25 Td (ef) Tj ET Q q 0 0 0 rg BT 294.28 388.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 341.41 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 352.43 388.25 Td (its ) Tj ET Q q 0 0 0 rg BT 364.58 388.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 397.82 388.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 432.73 388.25 Td (over ) Tj ET Q q 0 0 0 rg BT 453.20 388.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 490.88 388.25 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 532.73 388.25 Td (or ) Tj ET Q q 0 0 0 rg BT 543.76 388.25 Td (if ) Tj ET Q q 0 0 0 rg BT 552.57 388.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 100.68 376.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 141.92 376.25 Td (public ) Tj ET Q q 0 0 0 rg BT 168.72 376.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 214.41 376.25 Td (firm ) Tj ET Q q 0 0 0 rg BT 233.43 376.25 Td (is ) Tj ET Q q 0 0 0 rg BT 241.91 376.25 Td (unable ) Tj ET Q q 0 0 0 rg BT 270.38 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 279.97 376.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 312.33 376.25 Td (an ) Tj ET Q q 0 0 0 rg BT 323.57 376.25 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 370.93 376.25 Td (attestation ) Tj ET Q q 0 0 0 rg BT 413.84 376.25 Td (report ) Tj ET Q q 0 0 0 rg BT 439.52 376.25 Td (on ) Tj ET Q q 0 0 0 rg BT 451.33 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 465.36 376.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 489.25 376.25 Td (s ) Tj ET Q q 0 0 0 rg BT 494.95 376.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 527.30 376.25 Td (controls, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.13 364.25 Td (price ) Tj ET Q q 0 0 0 rg BT 88.04 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 99.28 364.25 Td (our ) Tj ET Q q 0 0 0 rg BT 115.53 364.25 Td (common ) Tj ET Q q 0 0 0 rg BT 153.44 364.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 177.47 364.25 Td (as ) Tj ET Q q 0 0 0 rg BT 188.72 364.25 Td (well ) Tj ET Q q 0 0 0 rg BT 208.85 364.25 Td (as ) Tj ET Q q 0 0 0 rg BT 220.10 364.25 Td (investor ) Tj ET Q q 0 0 0 rg BT 255.23 364.25 Td (confidence ) Tj ET Q q 0 0 0 rg BT 302.01 364.25 Td (could ) Tj ET Q q 0 0 0 rg BT 327.15 364.25 Td (be ) Tj ET Q q 0 0 0 rg BT 339.50 364.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 380.74 364.25 Td (af) Tj ET Q q 0 0 0 rg BT 388.33 364.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 415.67 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.02 364.25 Td (we ) Tj ET Q q 0 0 0 rg BT 447.60 364.25 Td (may ) Tj ET Q q 0 0 0 rg BT 467.73 364.25 Td (be ) Tj ET Q q 0 0 0 rg BT 480.09 364.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 511.33 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 522.03 364.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.59 352.25 Td (scrutiny) Tj ET Q q 0 0 0 rg BT 125.16 352.25 Td (.) Tj ET Q BT /F4 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 58.15 334.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.59 334.25 Td (are ) Tj ET Q q 0 0 0 rg BT 79.92 334.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 110.81 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 120.60 334.25 Td (numerous ) Tj ET Q q 0 0 0 rg BT 164.28 334.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 184.63 334.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 222.74 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 232.52 334.25 Td (protect ) Tj ET Q q 0 0 0 rg BT 262.85 334.25 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 311.81 334.25 Td (including ) Tj ET Q q 0 0 0 rg BT 353.27 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.05 334.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 418.40 334.25 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 475.66 334.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 494.05 334.25 Td (or ) Tj ET Q q 0 0 0 rg BT 504.94 334.25 Td (CRA, ) Tj ET Q q 0 0 0 rg BT 529.45 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 547.02 334.25 Td (fair ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 83.62 322.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 106.96 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 125.02 322.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 155.30 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 165.58 322.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 197.51 322.25 Td (with ) Tj ET Q q 0 0 0 rg BT 217.80 322.25 Td (these ) Tj ET Q q 0 0 0 rg BT 241.41 322.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 262.25 322.25 Td (could ) Tj ET Q q 0 0 0 rg BT 287.52 322.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 307.24 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 317.52 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 325.02 322.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 346.41 322.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 376.67 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.50 322.25 Td (sanctions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 304.25 Td (V) Tj ET Q q 0 0 0 rg BT 76.11 304.25 Td (arious ) Tj ET Q q 0 0 0 rg BT 102.92 304.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 123.62 304.25 Td (impose ) Tj ET Q q 0 0 0 rg BT 154.88 304.25 Td (nondiscriminatory ) Tj ET Q q 0 0 0 rg BT 230.57 304.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 262.94 304.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 317.51 304.25 Td (on ) Tj ET Q q 0 0 0 rg BT 329.88 304.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 367.23 304.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 416.56 304.25 Td (including ) Tj ET Q q 0 0 0 rg BT 456.70 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 471.29 304.25 Td (CRA, ) Tj ET Q q 0 0 0 rg BT 496.72 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.31 304.25 Td (Equal ) Tj ET Q q 0 0 0 rg BT 537.00 304.25 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 101.12 292.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 118.42 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 135.72 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.79 292.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 169.76 292.25 Td (Housing ) Tj ET Q q 0 0 0 rg BT 205.89 292.25 Td (Act. ) Tj ET Q q 0 0 0 rg BT 225.05 292.25 Td (A) Tj ET Q q 0 0 0 rg BT 231.72 292.25 Td ( ) Tj ET Q q 0 0 0 rg BT 234.59 292.25 Td (successful ) Tj ET Q q 0 0 0 rg BT 278.55 292.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 322.50 292.25 Td (challenge ) Tj ET Q q 0 0 0 rg BT 363.67 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 374.31 292.25 Td (an ) Tj ET Q q 0 0 0 rg BT 386.61 292.25 Td (institution) Tj ET Q q 0 0 0 rg BT 429.95 292.25 Td (s ) Tj ET Q q 0 0 0 rg BT 436.70 292.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 490.09 292.25 Td (under ) Tj ET Q q 0 0 0 rg BT 515.72 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.80 292.25 Td (CRA) Tj ET Q q 0 0 0 rg BT 550.81 292.25 Td ( ) Tj ET Q q 0 0 0 rg BT 553.67 292.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 65.39 280.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 96.90 280.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 116.75 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 132.71 280.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 178.65 280.25 Td (could ) Tj ET Q q 0 0 0 rg BT 202.39 280.25 Td (result ) Tj ET Q q 0 0 0 rg BT 226.12 280.25 Td (in ) Tj ET Q q 0 0 0 rg BT 235.42 280.25 Td (a ) Tj ET Q q 0 0 0 rg BT 241.37 280.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 262.32 280.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 291.60 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 301.45 280.25 Td (sanctions, ) Tj ET Q q 0 0 0 rg BT 342.68 280.25 Td (including ) Tj ET Q q 0 0 0 rg BT 381.97 280.25 Td (damages ) Tj ET Q q 0 0 0 rg BT 418.47 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 434.43 280.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 453.72 280.25 Td (money ) Tj ET Q q 0 0 0 rg BT 482.45 280.25 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 522.01 280.25 Td (injunctive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (relief, ) Tj ET Q q 0 0 0 rg BT 75.90 268.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 122.63 268.25 Td (on ) Tj ET Q q 0 0 0 rg BT 134.93 268.25 Td (mer) Tj ET Q q 0 0 0 rg BT 150.30 268.25 Td (gers ) Tj ET Q q 0 0 0 rg BT 169.26 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 186.00 268.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 236.08 268.25 Td (activity) Tj ET Q q 0 0 0 rg BT 265.42 268.25 Td (, ) Tj ET Q q 0 0 0 rg BT 270.22 268.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 316.96 268.25 Td (on ) Tj ET Q q 0 0 0 rg BT 329.26 268.25 Td (expansion, ) Tj ET Q q 0 0 0 rg BT 374.61 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.35 268.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 438.09 268.25 Td (on ) Tj ET Q q 0 0 0 rg BT 450.39 268.25 Td (entering ) Tj ET Q q 0 0 0 rg BT 485.45 268.25 Td (new ) Tj ET Q q 0 0 0 rg BT 504.42 268.25 Td (business ) Tj ET Q q 0 0 0 rg BT 540.61 268.25 Td (lines. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (Private ) Tj ET Q q 0 0 0 rg BT 80.92 256.25 Td (parties ) Tj ET Q q 0 0 0 rg BT 110.18 256.25 Td (may ) Tj ET Q q 0 0 0 rg BT 129.99 256.25 Td (also ) Tj ET Q q 0 0 0 rg BT 148.70 256.25 Td (have ) Tj ET Q q 0 0 0 rg BT 170.18 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 184.99 256.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 213.15 256.25 Td (to ) Tj ET Q q 0 0 0 rg BT 223.52 256.25 Td (challenge ) Tj ET Q q 0 0 0 rg BT 264.43 256.25 Td (an ) Tj ET Q q 0 0 0 rg BT 276.47 256.25 Td (institution) Tj ET Q q 0 0 0 rg BT 319.81 256.25 Td (s ) Tj ET Q q 0 0 0 rg BT 326.30 256.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 379.42 256.25 Td (under ) Tj ET Q q 0 0 0 rg BT 404.79 256.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 421.27 256.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 453.86 256.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 474.79 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 485.17 256.25 Td (private ) Tj ET Q q 0 0 0 rg BT 515.53 256.25 Td (class ) Tj ET Q q 0 0 0 rg BT 537.57 256.25 Td (action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (litigation. ) Tj ET Q q 0 0 0 rg BT 90.16 244.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 111.71 244.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 141.58 244.25 Td (could ) Tj ET Q q 0 0 0 rg BT 165.35 244.25 Td (have ) Tj ET Q q 0 0 0 rg BT 185.77 244.25 Td (a ) Tj ET Q q 0 0 0 rg BT 191.76 244.25 Td (material ) Tj ET Q q 0 0 0 rg BT 226.07 244.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 258.16 244.25 Td (ef) Tj ET Q q 0 0 0 rg BT 265.74 244.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 282.28 244.25 Td (on ) Tj ET Q q 0 0 0 rg BT 293.83 244.25 Td (our ) Tj ET Q q 0 0 0 rg BT 308.71 244.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 346.65 244.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 383.18 244.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 425.00 244.25 Td (results ) Tj ET Q q 0 0 0 rg BT 452.66 244.25 Td (of ) Tj ET Q q 0 0 0 rg BT 462.54 244.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 505.74 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 521.73 244.25 Td (prospects.) Tj ET Q BT /F4 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 58.15 226.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.73 226.25 Td (face ) Tj ET Q q 0 0 0 rg BT 84.08 226.25 Td (a ) Tj ET Q q 0 0 0 rg BT 91.23 226.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 108.94 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.41 226.25 Td (noncompliance ) Tj ET Q q 0 0 0 rg BT 184.89 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.60 226.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 256.40 226.25 Td (action ) Tj ET Q q 0 0 0 rg BT 284.10 226.25 Td (with ) Tj ET Q q 0 0 0 rg BT 304.03 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 318.96 226.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 343.33 226.25 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 376.80 226.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 392.84 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 410.54 226.25 Td (other ) Tj ET Q q 0 0 0 rg BT 434.36 226.25 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 483.17 226.25 Td (laundering ) Tj ET Q q 0 0 0 rg BT 530.88 226.25 Td (statutes ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.06 214.25 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 196.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 109.85 196.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 156.94 196.25 Td (are ) Tj ET Q q 0 0 0 rg BT 171.78 196.25 Td (required ) Tj ET Q q 0 0 0 rg BT 207.73 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 218.15 196.25 Td (institute ) Tj ET Q q 0 0 0 rg BT 253.01 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 270.08 196.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 307.71 196.25 Td (an ) Tj ET Q q 0 0 0 rg BT 319.79 196.25 Td (ef) Tj ET Q q 0 0 0 rg BT 327.37 196.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 357.21 196.25 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 405.39 196.25 Td (laundering ) Tj ET Q q 0 0 0 rg BT 450.79 196.25 Td (program ) Tj ET Q q 0 0 0 rg BT 487.30 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 504.38 196.25 Td (file ) Tj ET Q q 0 0 0 rg BT 520.34 196.25 Td (suspicious ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 81.85 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 98.15 184.25 Td (currency ) Tj ET Q q 0 0 0 rg BT 134.99 184.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 180.72 184.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 210.35 184.25 Td (as ) Tj ET Q q 0 0 0 rg BT 220.55 184.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 267.94 184.25 Td (under ) Tj ET Q q 0 0 0 rg BT 292.44 184.25 Td (The ) Tj ET Q q 0 0 0 rg BT 309.84 184.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 332.81 184.25 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 365.91 184.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 384.58 184.25 Td (The ) Tj ET Q q 0 0 0 rg BT 401.98 184.25 Td (USA) Tj ET Q q 0 0 0 rg BT 421.44 184.25 Td ( ) Tj ET Q q 0 0 0 rg BT 423.30 184.25 Td (P) Tj ET Q q 0 0 0 rg BT 427.94 184.25 Td (A) Tj ET Q q 0 0 0 rg BT 434.06 184.25 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 463.31 184.25 Td ( ) Tj ET Q q 0 0 0 rg BT 464.77 184.25 Td (ACT) Tj ET Q q 0 0 0 rg BT 484.58 184.25 Td ( ) Tj ET Q q 0 0 0 rg BT 486.45 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.64 184.25 Td (2001 ) Tj ET Q q 0 0 0 rg BT 518.50 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 534.80 184.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (other ) Tj ET Q q 0 0 0 rg BT 73.40 172.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 94.58 172.25 Td (and ) Tj ET Q q 0 0 0 rg BT 111.87 172.25 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 161.66 172.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 208.40 172.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 229.02 172.25 Td (penalties ) Tj ET Q q 0 0 0 rg BT 267.42 172.25 Td (can ) Tj ET Q q 0 0 0 rg BT 284.15 172.25 Td (be ) Tj ET Q q 0 0 0 rg BT 296.44 172.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 333.17 172.25 Td (by ) Tj ET Q q 0 0 0 rg BT 346.03 172.25 Td (a ) Tj ET Q q 0 0 0 rg BT 353.32 172.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 383.94 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 395.12 172.25 Td (regulators ) Tj ET Q q 0 0 0 rg BT 437.96 172.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.25 172.25 Td (governmental ) Tj ET Q q 0 0 0 rg BT 513.08 172.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 550.36 172.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (violations ) Tj ET Q q 0 0 0 rg BT 92.47 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 103.82 160.25 Td (these ) Tj ET Q q 0 0 0 rg BT 127.39 160.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 148.74 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.20 160.25 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 216.16 160.25 Td (If ) Tj ET Q q 0 0 0 rg BT 225.84 160.25 Td (our ) Tj ET Q q 0 0 0 rg BT 242.19 160.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 278.82 160.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 325.71 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.17 160.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 377.86 160.25 Td (are ) Tj ET Q q 0 0 0 rg BT 393.09 160.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 427.21 160.25 Td (deficient, ) Tj ET Q q 0 0 0 rg BT 467.71 160.25 Td (we ) Tj ET Q q 0 0 0 rg BT 482.39 160.25 Td (would ) Tj ET Q q 0 0 0 rg BT 510.42 160.25 Td (be ) Tj ET Q q 0 0 0 rg BT 522.88 160.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.22 160.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (liability) Tj ET Q q 0 0 0 rg BT 80.46 148.25 Td (, ) Tj ET Q q 0 0 0 rg BT 85.55 148.25 Td (including ) Tj ET Q q 0 0 0 rg BT 125.92 148.25 Td (fines ) Tj ET Q q 0 0 0 rg BT 147.95 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 164.98 148.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 208.66 148.25 Td (actions, ) Tj ET Q q 0 0 0 rg BT 242.08 148.25 Td (which ) Tj ET Q q 0 0 0 rg BT 269.11 148.25 Td (may ) Tj ET Q q 0 0 0 rg BT 288.92 148.25 Td (include ) Tj ET Q q 0 0 0 rg BT 320.94 148.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 367.97 148.25 Td (on ) Tj ET Q q 0 0 0 rg BT 380.56 148.25 Td (our ) Tj ET Q q 0 0 0 rg BT 396.48 148.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 424.63 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 435.00 148.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 452.03 148.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 493.50 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 510.54 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.34 148.25 Td (necessity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.89 136.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 89.00 136.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 133.20 136.25 Td (approvals ) Tj ET Q q 0 0 0 rg BT 175.19 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 186.08 136.25 Td (proceed ) Tj ET Q q 0 0 0 rg BT 220.84 136.25 Td (with ) Tj ET Q q 0 0 0 rg BT 241.73 136.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 272.04 136.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 304.03 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 315.47 136.25 Td (our ) Tj ET Q q 0 0 0 rg BT 331.92 136.25 Td (business ) Tj ET Q q 0 0 0 rg BT 368.92 136.25 Td (plan, ) Tj ET Q q 0 0 0 rg BT 391.75 136.25 Td (including ) Tj ET Q q 0 0 0 rg BT 432.63 136.25 Td (our ) Tj ET Q q 0 0 0 rg BT 449.07 136.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 496.07 136.25 Td (plans. ) Tj ET Q q 0 0 0 rg BT 522.79 136.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 554.23 136.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 86.38 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 102.20 124.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 146.35 124.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 183.27 124.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 222.43 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 231.59 124.25 Td (combat ) Tj ET Q q 0 0 0 rg BT 262.41 124.25 Td (money ) Tj ET Q q 0 0 0 rg BT 291.01 124.25 Td (laundering ) Tj ET Q q 0 0 0 rg BT 335.16 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 350.99 124.25 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 384.03 124.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 423.18 124.25 Td (could ) Tj ET Q q 0 0 0 rg BT 446.78 124.25 Td (also ) Tj ET Q q 0 0 0 rg BT 464.27 124.25 Td (have ) Tj ET Q q 0 0 0 rg BT 484.54 124.25 Td (serious ) Tj ET Q q 0 0 0 rg BT 514.25 124.25 Td (reputational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (consequences ) Tj ET Q q 0 0 0 rg BT 106.25 112.25 Td (for ) Tj ET Q q 0 0 0 rg BT 119.18 112.25 Td (us. ) Tj ET Q q 0 0 0 rg BT 131.56 112.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 150.06 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 159.66 112.25 Td (these ) Tj ET Q q 0 0 0 rg BT 181.48 112.25 Td (results ) Tj ET Q q 0 0 0 rg BT 208.86 112.25 Td (could ) Tj ET Q q 0 0 0 rg BT 232.35 112.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 274.16 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.87 112.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 329.45 112.25 Td (af) Tj ET Q q 0 0 0 rg BT 337.04 112.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 353.30 112.25 Td (our ) Tj ET Q q 0 0 0 rg BT 367.90 112.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 405.56 112.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 441.82 112.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 483.36 112.25 Td (results ) Tj ET Q q 0 0 0 rg BT 510.74 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.34 112.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 100.25 Td (prospects.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (Item1B. ) Tj ET Q q 0 0 0 rg BT 104.00 82.25 Td (Unr) Tj ET Q q 0 0 0 rg BT 121.04 82.25 Td (esolved Staff Comments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 64.25 Td (None.) 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 (27) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item2. ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 114.37 742.25 Td (operties) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.27 724.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 112.16 724.25 Td (s ) Tj ET Q q 0 0 0 rg BT 118.77 724.25 Td (main ) Tj ET Q q 0 0 0 rg BT 141.49 724.25 Td (of) Tj ET Q q 0 0 0 rg BT 149.64 724.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 167.35 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 176.75 724.25 Td (located ) Tj ET Q q 0 0 0 rg BT 208.34 724.25 Td (at ) Tj ET Q q 0 0 0 rg BT 218.29 724.25 Td (208 ) Tj ET Q q 0 0 0 rg BT 236.01 724.25 Td (Elm ) Tj ET Q q 0 0 0 rg BT 255.40 724.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 281.45 724.25 Td (in ) Tj ET Q q 0 0 0 rg BT 291.95 724.25 Td (New ) Tj ET Q q 0 0 0 rg BT 313.56 724.25 Td (Canaan, ) Tj ET Q q 0 0 0 rg BT 348.77 724.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 402.12 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 420.39 724.25 Td (property ) Tj ET Q q 0 0 0 rg BT 456.99 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 466.39 724.25 Td (leased ) Tj ET Q q 0 0 0 rg BT 494.10 724.25 Td (by ) Tj ET Q q 0 0 0 rg BT 506.82 724.25 Td (us ) Tj ET Q q 0 0 0 rg BT 518.44 724.25 Td (until ) Tj ET Q q 0 0 0 rg BT 539.50 724.25 Td (2021, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.92 712.25 Td (two ) Tj ET Q q 0 0 0 rg BT 87.07 712.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 129.76 712.25 Td (five-year ) Tj ET Q q 0 0 0 rg BT 167.98 712.25 Td (renewal ) Tj ET Q q 0 0 0 rg BT 201.77 712.25 Td (options. ) Tj ET Q q 0 0 0 rg BT 235.87 712.25 Td (In ) Tj ET Q q 0 0 0 rg BT 246.34 712.25 Td (July2012, ) Tj ET Q q 0 0 0 rg BT 290.16 712.25 Td (we ) Tj ET Q q 0 0 0 rg BT 303.96 712.25 Td (initially ) Tj ET Q q 0 0 0 rg BT 337.22 712.25 Td (leased ) Tj ET Q q 0 0 0 rg BT 364.35 712.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 406.48 712.25 Td (space ) Tj ET Q q 0 0 0 rg BT 430.83 712.25 Td (adjacent ) Tj ET Q q 0 0 0 rg BT 466.29 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 476.21 712.25 Td (208 ) Tj ET Q q 0 0 0 rg BT 493.36 712.25 Td (Elm ) Tj ET Q q 0 0 0 rg BT 512.17 712.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 537.64 712.25 Td (at ) Tj ET Q q 0 0 0 rg BT 547.00 712.25 Td (220 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (Elm ) Tj ET Q q 0 0 0 rg BT 69.36 700.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 95.38 700.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 135.28 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 149.63 700.25 Td (our ) Tj ET Q q 0 0 0 rg BT 165.66 700.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 206.66 700.25 Td (management ) Tj ET Q q 0 0 0 rg BT 260.44 700.25 Td (of) Tj ET Q q 0 0 0 rg BT 268.59 700.25 Td (fices. ) Tj ET Q q 0 0 0 rg BT 292.47 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 310.71 700.25 Td (property ) Tj ET Q q 0 0 0 rg BT 347.28 700.25 Td (located ) Tj ET Q q 0 0 0 rg BT 378.84 700.25 Td (at ) Tj ET Q q 0 0 0 rg BT 388.75 700.25 Td (220 ) Tj ET Q q 0 0 0 rg BT 406.44 700.25 Td (Elm ) Tj ET Q q 0 0 0 rg BT 425.80 700.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 451.82 700.25 Td (was ) Tj ET Q q 0 0 0 rg BT 470.06 700.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 513.29 700.25 Td (by ) Tj ET Q q 0 0 0 rg BT 525.99 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.90 700.25 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 688.25 Td (December ) Tj ET Q q 0 0 0 rg BT 103.86 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 114.69 688.25 Td (2016.) 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(and ) Tj ET Q q 0 0 0 rg BT 509.57 670.25 Td (North ) Tj ET Q q 0 0 0 rg BT 535.90 670.25 Td (Haven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 103.30 658.25 Td (The ) Tj ET Q q 0 0 0 rg BT 121.52 658.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 148.07 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 162.40 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 178.41 658.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 215.51 658.25 Td (have ) Tj ET Q q 0 0 0 rg BT 237.06 658.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 261.95 658.25 Td (expiring ) Tj ET Q q 0 0 0 rg BT 297.95 658.25 Td (at ) Tj ET Q q 0 0 0 rg BT 307.84 658.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 331.06 658.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 364.28 658.25 Td (from ) Tj ET Q q 0 0 0 rg BT 386.39 658.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 409.06 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 419.52 658.25 Td (2030, ) Tj ET Q q 0 0 0 rg BT 444.69 658.25 Td (although ) Tj ET Q q 0 0 0 rg BT 482.36 658.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 512.23 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 523.24 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.13 658.25 Td (leases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (contain ) Tj ET Q q 0 0 0 rg BT 81.34 646.25 Td (options ) Tj ET Q q 0 0 0 rg BT 112.69 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.38 646.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 150.94 646.25 Td (beyond ) Tj ET Q q 0 0 0 rg BT 182.28 646.25 Td (these ) Tj ET Q q 0 0 0 rg BT 204.74 646.25 Td (dates. ) Tj ET Q q 0 0 0 rg BT 229.55 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 238.19 646.25 Td (e ) Tj ET Q q 0 0 0 rg BT 244.53 646.25 Td (own ) Tj ET Q q 0 0 0 rg BT 263.66 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 277.64 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 286.68 646.25 Td (ilton ) Tj ET Q q 0 0 0 rg BT 306.92 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 323.27 646.25 Td (Hamden ) Tj ET Q q 0 0 0 rg BT 359.05 646.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 388.16 646.25 Td (of) Tj ET Q q 0 0 0 rg BT 396.31 646.25 Td (fices. ) Tj ET Q q 0 0 0 rg BT 419.46 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 428.09 646.25 Td (e ) Tj ET Q q 0 0 0 rg BT 434.44 646.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 465.22 646.25 Td (that ) Tj ET Q q 0 0 0 rg BT 482.12 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 497.35 646.25 Td (current ) Tj ET Q q 0 0 0 rg BT 527.57 646.25 Td (facilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.73 634.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 102.79 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 116.98 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 132.84 634.25 Td (current ) Tj ET Q q 0 0 0 rg BT 163.68 634.25 Td (level ) Tj ET Q q 0 0 0 rg BT 185.64 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.50 634.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 243.18 634.25 Td (Each ) Tj ET Q q 0 0 0 rg BT 265.69 634.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 288.20 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 297.40 634.25 Td (at ) Tj ET Q q 0 0 0 rg BT 307.14 634.25 Td (market ) Tj ET Q q 0 0 0 rg BT 337.43 634.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 354.95 634.25 Td (based ) Tj ET Q q 0 0 0 rg BT 380.24 634.25 Td (on ) Tj ET Q q 0 0 0 rg BT 392.77 634.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 423.07 634.25 Td (properties ) Tj ET Q q 0 0 0 rg BT 465.58 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 475.89 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.63 634.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 534.25 634.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (area. ) Tj ET Q q 0 0 0 rg BT 71.46 622.25 Td (W) Tj ET Q q 0 0 0 rg BT 80.10 622.25 Td (e ) Tj ET Q q 0 0 0 rg BT 87.04 622.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 118.41 622.25 Td (that ) Tj ET Q q 0 0 0 rg BT 135.91 622.25 Td (we ) Tj ET Q q 0 0 0 rg BT 150.07 622.25 Td (have ) Tj ET Q q 0 0 0 rg BT 171.45 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.16 622.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 227.53 622.25 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 283.89 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 294.17 622.25 Td (place ) Tj ET Q q 0 0 0 rg BT 317.76 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 328.04 622.25 Td (support ) Tj ET Q q 0 0 0 rg BT 360.54 622.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.37 622.25 Td (projected ) Tj ET Q q 0 0 0 rg BT 416.07 622.25 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 604.25 Td (During ) Tj ET Q q 0 0 0 rg BT 100.67 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 115.23 604.25 Td (second ) Tj ET Q q 0 0 0 rg BT 145.34 604.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 176.00 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.67 604.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 211.51 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.07 604.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 267.29 604.25 Td (opened ) Tj ET Q q 0 0 0 rg BT 298.51 604.25 Td (three ) Tj ET Q q 0 0 0 rg BT 320.84 604.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 363.17 604.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 392.72 604.25 Td (locations, ) Tj ET Q q 0 0 0 rg BT 433.66 604.25 Td (located ) Tj ET Q q 0 0 0 rg BT 464.88 604.25 Td (in ) Tj ET Q q 0 0 0 rg BT 475.00 604.25 Td (Darien, ) Tj ET Q q 0 0 0 rg BT 506.88 604.25 Td (W) Tj ET Q q 0 0 0 rg BT 515.51 604.25 Td (estport, ) Tj ET Q q 0 0 0 rg BT 547.57 604.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (Stamford, ) Tj ET Q q 0 0 0 rg BT 92.22 592.25 Td (Connecticut.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 574.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 86.05 574.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 115.76 574.25 Td (of) Tj ET Q q 0 0 0 rg BT 123.91 574.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 145.29 574.25 Td (are ) Tj ET Q q 0 0 0 rg BT 159.99 574.25 Td (located ) Tj ET Q q 0 0 0 rg BT 191.36 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 202.19 574.25 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 544.75 m 171.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 544.75 m 451.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 544.75 m 562.5 544.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 548.48 Td (Branch) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 178.00 548.48 Td (Addr) Tj ET Q q 0 0 0 rg BT 200.69 548.48 Td (ess) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.00 548.48 Td (Owned or) Tj ET Q q 0 0 0 rg BT 500.32 548.48 Td ( Leased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 534.42 Td (Elm Street) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 534.42 Td (208 Elm Street New Canaan, CT) Tj ET Q q 0 0 0 rg BT 309.55 534.42 Td ( 06840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 534.42 Td (Lease \(expires 2021\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 519.42 Td (Cherry Street) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 519.42 Td (156 Cherry Street New Canaan, CT) Tj ET Q q 0 0 0 rg BT 320.65 519.42 Td ( 06840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 519.42 Td (Lease \(expires 2021\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 504.42 Td (Bedford) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 504.42 Td (612 Bedford Street Stamford, CT) Tj ET Q q 0 0 0 rg BT 311.50 504.42 Td ( 06901) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 504.42 Td (Lease \(expires 2020\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 489.42 Td (High Ridge) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 489.42 Td (1095 High Ridge Road, Stamford, CT) Tj ET Q q 0 0 0 rg BT 330.40 489.42 Td ( 06905) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 489.42 Td (Lease \(expires 2028\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 474.42 Td (Black Rock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 474.42 Td (2220 Black Rock ) Tj ET Q q 0 0 0 rg BT 249.84 474.42 Td (T) Tj ET Q q 0 0 0 rg BT 255.69 474.42 Td (urnpike Fairfield, CT) Tj ET Q q 0 0 0 rg BT 340.68 474.42 Td ( 06825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 474.42 Td (Lease \(expires 2024\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 459.42 Td (Sasco Hill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 459.42 Td (One Sasco Hill Road Fairfield, CT) Tj ET Q q 0 0 0 rg BT 316.78 459.42 Td ( 06824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 459.42 Td (Lease \(expires 2024\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 444.42 Td (W) Tj ET Q q 0 0 0 rg BT 62.24 444.42 Td (ilton) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 444.42 Td (47 Old Ridgefield Road ) Tj ET Q q 0 0 0 rg BT 276.23 444.42 Td (W) Tj ET Q q 0 0 0 rg BT 285.38 444.42 Td (ilton, CT) Tj ET Q q 0 0 0 rg BT 321.20 444.42 Td ( 06897) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 444.42 Td (Own) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 429.42 Td (Norwalk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 429.42 Td (370 ) Tj ET Q q 0 0 0 rg BT 195.41 429.42 Td (W) Tj ET Q q 0 0 0 rg BT 204.36 429.42 Td (estport ) Tj ET Q q 0 0 0 rg BT 233.40 429.42 Td (A) Tj ET Q q 0 0 0 rg BT 239.97 429.42 Td (venue Norwalk, CT) Tj ET Q q 0 0 0 rg BT 318.66 429.42 Td ( 06851) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 429.42 Td (Lease \(expires 2030\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 414.42 Td (Hamden) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 414.42 Td (2704 Dixwell ) Tj ET Q q 0 0 0 rg BT 234.94 414.42 Td (A) Tj ET Q q 0 0 0 rg BT 241.52 414.42 Td (venue Hamden, CT) Tj ET Q q 0 0 0 rg BT 319.09 414.42 Td ( 06518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 414.42 Td (Own) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 399.42 Td (North Haven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 399.42 Td (24 ) Tj ET Q q 0 0 0 rg BT 190.41 399.42 Td (W) Tj ET Q q 0 0 0 rg BT 199.36 399.42 Td (ashington ) Tj ET Q q 0 0 0 rg BT 240.07 399.42 Td (A) Tj ET Q q 0 0 0 rg BT 246.64 399.42 Td (venue North Haven, CT) Tj ET Q q 0 0 0 rg BT 342.27 399.42 Td ( 06473) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 399.42 Td (Lease \(expires 2019\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 384.42 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 384.42 Td (estport) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 384.42 Td (100 Post Road East, ) Tj ET Q q 0 0 0 rg BT 260.97 384.42 Td (W) Tj ET Q q 0 0 0 rg BT 269.91 384.42 Td (estport, CT) Tj ET Q q 0 0 0 rg BT 314.42 384.42 Td ( 06880) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 384.42 Td (Lease \(expires 2028\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 369.42 Td (Darien) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 369.42 Td (1065 Post Road, Darien, CT) Tj ET Q q 0 0 0 rg BT 291.23 369.42 Td ( 06820) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 369.42 Td (Lease \(expires 2028\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 335.25 Td (Item3. ) Tj ET Q q 0 0 0 rg BT 104.00 335.25 Td (Legal Pr) Tj ET Q q 0 0 0 rg BT 140.75 335.25 Td (oceedings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 317.25 Td (From ) Tj ET Q q 0 0 0 rg BT 94.02 317.25 Td (time ) Tj ET Q q 0 0 0 rg BT 114.15 317.25 Td (to ) Tj ET Q q 0 0 0 rg BT 124.27 317.25 Td (time ) Tj ET Q q 0 0 0 rg BT 144.40 317.25 Td (we ) Tj ET Q q 0 0 0 rg BT 158.41 317.25 Td (are ) Tj ET Q q 0 0 0 rg BT 172.97 317.25 Td (a ) Tj ET Q q 0 0 0 rg BT 179.76 317.25 Td (party ) Tj ET Q q 0 0 0 rg BT 202.66 317.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.79 317.25 Td (various ) Tj ET Q q 0 0 0 rg BT 244.58 317.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 283.03 317.25 Td (matters ) Tj ET Q q 0 0 0 rg BT 314.82 317.25 Td (incidental ) Tj ET Q q 0 0 0 rg BT 356.60 317.25 Td (to ) Tj ET Q q 0 0 0 rg BT 366.73 317.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.30 317.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 415.30 317.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.98 317.25 Td (our ) Tj ET Q q 0 0 0 rg BT 441.67 317.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 480.24 317.25 Td (W) Tj ET Q q 0 0 0 rg BT 488.88 317.25 Td (e ) Tj ET Q q 0 0 0 rg BT 495.67 317.25 Td (are ) Tj ET Q q 0 0 0 rg BT 510.22 317.25 Td (not ) Tj ET Q q 0 0 0 rg BT 525.35 317.25 Td (presently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.25 Td (party ) Tj ET Q q 0 0 0 rg BT 73.46 305.25 Td (to ) Tj ET Q q 0 0 0 rg BT 84.15 305.25 Td (any ) Tj ET Q q 0 0 0 rg BT 101.49 305.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 123.84 305.25 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 175.06 305.25 Td (the ) Tj ET Q q 0 0 0 rg BT 190.19 305.25 Td (resolution ) Tj ET Q q 0 0 0 rg BT 233.10 305.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.34 305.25 Td (which ) Tj ET Q q 0 0 0 rg BT 271.68 305.25 Td (we ) Tj ET Q q 0 0 0 rg BT 286.25 305.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 318.04 305.25 Td (would ) Tj ET Q q 0 0 0 rg BT 345.95 305.25 Td (have ) Tj ET Q q 0 0 0 rg BT 367.73 305.25 Td (a ) Tj ET Q q 0 0 0 rg BT 375.08 305.25 Td (material ) Tj ET Q q 0 0 0 rg BT 410.75 305.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 444.20 305.25 Td (ef) Tj ET Q q 0 0 0 rg BT 451.79 305.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 469.68 305.25 Td (on ) Tj ET Q q 0 0 0 rg BT 482.59 305.25 Td (our ) Tj ET Q q 0 0 0 rg BT 498.83 305.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 538.13 305.25 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.25 Td (prospects, ) Tj ET Q q 0 0 0 rg BT 92.77 293.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 130.25 293.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 173.02 293.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 206.26 293.25 Td (, ) Tj ET Q q 0 0 0 rg BT 211.26 293.25 Td (results ) Tj ET Q q 0 0 0 rg BT 239.87 293.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.70 293.25 Td (operation, ) Tj ET Q q 0 0 0 rg BT 293.47 293.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 313.74 293.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 338.46 293.25 Td (or ) Tj ET Q q 0 0 0 rg BT 349.29 293.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 378.44 293.25 Td (levels.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 275.25 Td (Item4. ) Tj ET Q q 0 0 0 rg BT 104.00 275.25 Td (Mine Safety Disclosur) Tj ET Q q 0 0 0 rg BT 197.70 275.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 257.25 Td (Not ) Tj ET Q q 0 0 0 rg BT 87.50 257.25 Td (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 (28) 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Item5. ) Tj ET Q q 0 0 0 rg BT 104.00 718.25 Td (Market for) Tj ET Q q 0 0 0 rg BT 151.29 718.25 Td ( Registrant) Tj ET Q q 0 0 0 rg BT 201.74 718.25 Td (s Common Equity) Tj ET Q q 0 0 0 rg BT 278.43 718.25 Td (, Related Stockholder) Tj ET Q q 0 0 0 rg BT 370.19 718.25 Td ( Matters and Issuer) Tj ET Q q 0 0 0 rg BT 453.61 718.25 Td ( Pur) Tj ET Q q 0 0 0 rg BT 472.04 718.25 Td (chases of Equity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 706.25 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 688.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.37 688.25 Td (Company) Tj ET Q q 0 0 0 rg BT 129.03 688.25 Td (s ) Tj ET Q q 0 0 0 rg BT 134.75 688.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 173.80 688.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 198.40 688.25 Td (has ) Tj ET Q q 0 0 0 rg BT 213.55 688.25 Td (traded ) Tj ET Q q 0 0 0 rg BT 240.36 688.25 Td (on ) Tj ET Q q 0 0 0 rg BT 252.18 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 266.22 688.25 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 309.72 688.25 Td (Global ) Tj ET Q q 0 0 0 rg BT 338.75 688.25 Td (Market ) Tj ET Q q 0 0 0 rg BT 369.45 688.25 Td (under ) Tj ET Q q 0 0 0 rg BT 394.05 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.09 688.25 Td (Symbol ) Tj ET Q q 0 0 0 rg BT 441.03 688.25 Td (BWFG ) Tj ET Q q 0 0 0 rg BT 480.62 688.25 Td (since ) Tj ET Q q 0 0 0 rg BT 502.99 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.03 688.25 Td (completion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 676.25 Td (its ) Tj ET Q q 0 0 0 rg BT 72.78 676.25 Td (initial ) Tj ET Q q 0 0 0 rg BT 98.61 676.25 Td (public ) Tj ET Q q 0 0 0 rg BT 126.10 676.25 Td (of) Tj ET Q q 0 0 0 rg BT 134.25 676.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 160.63 676.25 Td (on ) Tj ET Q q 0 0 0 rg BT 173.13 676.25 Td (May15, ) Tj ET Q q 0 0 0 rg BT 208.96 676.25 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 658.25 Td (There ) Tj ET Q q 0 0 0 rg BT 95.26 658.25 Td (were ) Tj ET Q q 0 0 0 rg BT 116.64 658.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 176.35 658.25 Td (280 ) Tj ET Q q 0 0 0 rg BT 193.30 658.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 245.78 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.06 658.25 Td (record ) Tj ET Q q 0 0 0 rg BT 283.54 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.82 658.25 Td (BWFG ) Tj ET Q q 0 0 0 rg BT 324.66 658.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 363.84 658.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 388.56 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 398.84 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.12 658.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 467.15 658.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 491.46 658.25 Td (This ) Tj ET Q q 0 0 0 rg BT 511.19 658.25 Td (number ) Tj ET Q q 0 0 0 rg BT 543.68 658.25 Td (does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 646.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 93.31 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.03 646.25 Td (number ) Tj ET Q q 0 0 0 rg BT 141.07 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.90 646.25 Td (persons ) Tj ET Q q 0 0 0 rg BT 184.96 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 195.79 646.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 227.17 646.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 260.22 646.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 283.83 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 294.11 646.25 Td (nominee ) Tj ET Q q 0 0 0 rg BT 331.04 646.25 Td (name ) Tj ET Q q 0 0 0 rg BT 355.20 646.25 Td (through ) Tj ET Q q 0 0 0 rg BT 388.81 646.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 417.14 646.25 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 459.61 646.25 Td (firms ) Tj ET Q q 0 0 0 rg BT 483.22 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 494.05 646.25 Td (other ) Tj ET Q q 0 0 0 rg BT 517.10 646.25 Td (nominees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.19 628.25 Td (Company) Tj ET Q q 0 0 0 rg BT 129.85 628.25 Td (s ) Tj ET Q q 0 0 0 rg BT 136.39 628.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 189.57 628.25 Td (are ) Tj ET Q q 0 0 0 rg BT 204.41 628.25 Td (entitled ) Tj ET Q q 0 0 0 rg BT 237.05 628.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.47 628.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 288.99 628.25 Td (when ) Tj ET Q q 0 0 0 rg BT 313.30 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 330.38 628.25 Td (if ) Tj ET Q q 0 0 0 rg BT 339.13 628.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 375.63 628.25 Td (by ) Tj ET Q q 0 0 0 rg BT 388.27 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.13 628.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 430.21 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.18 628.25 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 483.53 628.25 Td (out ) Tj ET Q q 0 0 0 rg BT 498.95 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 509.92 628.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 534.79 628.25 Td (legally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (available. ) Tj ET Q q 0 0 0 rg BT 90.18 616.25 Td (The ) Tj ET Q q 0 0 0 rg BT 107.45 616.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 134.72 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 144.77 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.71 616.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 199.32 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 208.82 616.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 224.98 616.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 265.58 616.25 Td (depends, ) Tj ET Q q 0 0 0 rg BT 302.57 616.25 Td (in ) Tj ET Q q 0 0 0 rg BT 312.07 616.25 Td (part, ) Tj ET Q q 0 0 0 rg BT 331.84 616.25 Td (on ) Tj ET Q q 0 0 0 rg BT 343.56 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 357.49 616.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 384.77 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.82 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.75 616.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 431.58 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 441.08 616.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 457.24 616.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 497.85 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 507.34 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.28 616.25 Td (Company) Tj ET Q q 0 0 0 rg BT 559.52 616.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (In ) Tj ET Q q 0 0 0 rg BT 61.26 604.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 109.16 604.25 Td (with ) Tj ET Q q 0 0 0 rg BT 129.87 604.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 181.13 604.25 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 216.56 604.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 260.59 604.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 298.51 604.25 Td (is ) Tj ET Q q 0 0 0 rg BT 308.11 604.25 Td (required ) Tj ET Q q 0 0 0 rg BT 344.36 604.25 Td (for ) Tj ET Q q 0 0 0 rg BT 358.96 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 374.11 604.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 398.15 604.25 Td (to ) Tj ET Q q 0 0 0 rg BT 408.86 604.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 426.24 604.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 468.06 604.25 Td (in ) Tj ET Q q 0 0 0 rg BT 478.77 604.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 507.80 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 519.07 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.22 604.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 558.11 604.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (profits ) Tj ET Q q 0 0 0 rg BT 79.22 592.25 Td (retained ) Tj ET Q q 0 0 0 rg BT 114.52 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 125.41 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.73 592.25 Td (current ) Tj ET Q q 0 0 0 rg BT 172.16 592.25 Td (year ) Tj ET Q q 0 0 0 rg BT 192.47 592.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 212.25 592.25 Td (retained ) Tj ET Q q 0 0 0 rg BT 247.56 592.25 Td (profits ) Tj ET Q q 0 0 0 rg BT 276.77 592.25 Td (from ) Tj ET Q q 0 0 0 rg BT 299.32 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 314.64 592.25 Td (previous ) Tj ET Q q 0 0 0 rg BT 352.19 592.25 Td (twoyears. ) Tj ET Q q 0 0 0 rg BT 396.17 592.25 Td (The ) Tj ET Q q 0 0 0 rg BT 414.82 592.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 439.04 592.25 Td (is ) Tj ET Q q 0 0 0 rg BT 448.81 592.25 Td (also ) Tj ET Q q 0 0 0 rg BT 468.03 592.25 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 512.24 592.25 Td (from ) Tj ET Q q 0 0 0 rg BT 534.78 592.25 Td (paying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 91.39 580.25 Td (that ) Tj ET Q q 0 0 0 rg BT 108.88 580.25 Td (would ) Tj ET Q q 0 0 0 rg BT 136.38 580.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 165.53 580.25 Td (its ) Tj ET Q q 0 0 0 rg BT 177.48 580.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 206.63 580.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 231.34 580.25 Td (below ) Tj ET Q q 0 0 0 rg BT 258.28 580.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 299.67 580.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 343.27 580.25 Td (requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Issuer) Tj ET Q q 0 0 0 rg BT 75.93 562.25 Td ( Pur) Tj ET Q q 0 0 0 rg BT 94.36 562.25 Td (chases of Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 544.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.91 544.25 Td (December ) Tj ET Q q 0 0 0 rg BT 128.68 544.25 Td (19, ) Tj ET Q q 0 0 0 rg BT 143.87 544.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 169.06 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.97 544.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 231.24 544.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 258.37 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.39 544.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 309.28 544.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 354.17 544.25 Td (a ) Tj ET Q q 0 0 0 rg BT 361.30 544.25 Td (share ) Tj ET Q q 0 0 0 rg BT 385.09 544.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 431.09 544.25 Td (program ) Tj ET Q q 0 0 0 rg BT 467.65 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 478.67 544.25 Td (up ) Tj ET Q q 0 0 0 rg BT 491.36 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 501.83 544.25 Td (400,000 ) Tj ET Q q 0 0 0 rg BT 537.02 544.25 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.76 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.40 532.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 122.41 532.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 162.06 532.25 Td (Stock. ) Tj ET Q q 0 0 0 rg BT 189.59 532.25 Td (The ) Tj ET Q q 0 0 0 rg BT 207.56 532.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 248.88 532.25 Td (intends ) Tj ET Q q 0 0 0 rg BT 280.19 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 290.40 532.25 Td (accomplish ) Tj ET Q q 0 0 0 rg BT 338.36 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 353.01 532.25 Td (share ) Tj ET Q q 0 0 0 rg BT 376.53 532.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 426.16 532.25 Td (through ) Tj ET Q q 0 0 0 rg BT 459.69 532.25 Td (open ) Tj ET Q q 0 0 0 rg BT 481.56 532.25 Td (market ) Tj ET Q q 0 0 0 rg BT 511.75 532.25 Td (transactions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (though ) Tj ET Q q 0 0 0 rg BT 80.47 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 95.38 520.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 136.96 520.25 Td (could ) Tj ET Q q 0 0 0 rg BT 161.87 520.25 Td (accomplish ) Tj ET Q q 0 0 0 rg BT 210.10 520.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 259.99 520.25 Td (through ) Tj ET Q q 0 0 0 rg BT 293.79 520.25 Td (other ) Tj ET Q q 0 0 0 rg BT 317.03 520.25 Td (means, ) Tj ET Q q 0 0 0 rg BT 347.77 520.25 Td (such ) Tj ET Q q 0 0 0 rg BT 368.79 520.25 Td (as ) Tj ET Q q 0 0 0 rg BT 379.81 520.25 Td (privately ) Tj ET Q q 0 0 0 rg BT 418.04 520.25 Td (negotiated ) Tj ET Q q 0 0 0 rg BT 462.39 520.25 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 515.15 520.25 Td (The ) Tj ET Q q 0 0 0 rg BT 533.39 520.25 Td (timing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (price ) Tj ET Q q 0 0 0 rg BT 71.54 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 87.53 508.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 119.08 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.97 508.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 177.72 508.25 Td (will ) Tj ET Q q 0 0 0 rg BT 194.83 508.25 Td (be ) Tj ET Q q 0 0 0 rg BT 205.83 508.25 Td (based ) Tj ET Q q 0 0 0 rg BT 230.15 508.25 Td (on ) Tj ET Q q 0 0 0 rg BT 241.71 508.25 Td (market ) Tj ET Q q 0 0 0 rg BT 271.03 508.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 316.75 508.25 Td (relevant ) Tj ET Q q 0 0 0 rg BT 350.50 508.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 389.82 508.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 409.71 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 425.70 508.25 Td (other ) Tj ET Q q 0 0 0 rg BT 447.80 508.25 Td (factors. ) Tj ET Q q 0 0 0 rg BT 478.95 508.25 Td (The ) Tj ET Q q 0 0 0 rg BT 496.05 508.25 Td (share ) Tj ET Q q 0 0 0 rg BT 518.71 508.25 Td (repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 69.58 496.25 Td (does ) Tj ET Q q 0 0 0 rg BT 90.27 496.25 Td (not ) Tj ET Q q 0 0 0 rg BT 105.42 496.25 Td (obligate ) Tj ET Q q 0 0 0 rg BT 139.99 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.57 496.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 195.82 496.25 Td (to ) Tj ET Q q 0 0 0 rg BT 205.96 496.25 Td (acquire ) Tj ET Q q 0 0 0 rg BT 237.75 496.25 Td (any ) Tj ET Q q 0 0 0 rg BT 254.55 496.25 Td (particular ) Tj ET Q q 0 0 0 rg BT 295.22 496.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 327.58 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 338.28 496.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 377.87 496.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 405.51 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.31 496.25 Td (it ) Tj ET Q q 0 0 0 rg BT 430.23 496.25 Td (may ) Tj ET Q q 0 0 0 rg BT 449.81 496.25 Td (be ) Tj ET Q q 0 0 0 rg BT 461.61 496.25 Td (modified ) Tj ET Q q 0 0 0 rg BT 500.08 496.25 Td (or ) Tj ET Q q 0 0 0 rg BT 510.77 496.25 Td (suspended ) Tj ET Q q 0 0 0 rg BT 554.79 496.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (any ) Tj ET Q q 0 0 0 rg BT 66.94 484.25 Td (time ) Tj ET Q q 0 0 0 rg BT 87.21 484.25 Td (at ) Tj ET Q q 0 0 0 rg BT 96.93 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.65 484.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 158.73 484.25 Td (discretion. ) Tj ET Q q 0 0 0 rg BT 202.98 484.25 Td (The ) Tj ET Q q 0 0 0 rg BT 221.03 484.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 262.41 484.25 Td (did ) Tj ET Q q 0 0 0 rg BT 277.69 484.25 Td (not ) Tj ET Q q 0 0 0 rg BT 292.97 484.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 338.77 484.25 Td (any ) Tj ET Q q 0 0 0 rg BT 355.71 484.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.54 484.25 Td (its ) Tj ET Q q 0 0 0 rg BT 378.49 484.25 Td (common ) Tj ET Q q 0 0 0 rg BT 415.99 484.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 439.59 484.25 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.20 484.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.20 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 490.70 484.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.53 484.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.53 484.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Common Stock Performance Graph) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 448.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.10 448.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 141.17 448.25 Td (graph ) Tj ET Q q 0 0 0 rg BT 166.49 448.25 Td (below ) Tj ET Q q 0 0 0 rg BT 193.48 448.25 Td (compares ) Tj ET Q q 0 0 0 rg BT 234.34 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.11 448.25 Td (Company) Tj ET Q q 0 0 0 rg BT 290.78 448.25 Td (s ) Tj ET Q q 0 0 0 rg BT 297.22 448.25 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 344.20 448.25 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 393.39 448.25 Td (return ) Tj ET Q q 0 0 0 rg BT 419.82 448.25 Td (on ) Tj ET Q q 0 0 0 rg BT 432.37 448.25 Td (its ) Tj ET Q q 0 0 0 rg BT 444.37 448.25 Td (common ) Tj ET Q q 0 0 0 rg BT 481.91 448.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 505.57 448.25 Td (since ) Tj ET Q q 0 0 0 rg BT 528.67 448.25 Td (May15, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 74.75 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 89.21 436.25 Td (IPO ) Tj ET Q q 0 0 0 rg BT 107.57 436.25 Td (date ) Tj ET Q q 0 0 0 rg BT 126.47 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 136.49 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.95 436.25 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 197.63 436.25 Td (return ) Tj ET Q q 0 0 0 rg BT 223.75 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 234.32 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.78 436.25 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 292.70 436.25 Td (Composite ) Tj ET Q q 0 0 0 rg BT 338.28 436.25 Td (Index ) Tj ET Q q 0 0 0 rg BT 363.29 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.98 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.44 436.25 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 438.35 436.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 461.71 436.25 Td (Index. ) Tj ET Q q 0 0 0 rg BT 489.22 436.25 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 538.13 436.25 Td (return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (assumes ) Tj ET Q q 0 0 0 rg BT 85.83 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 100.55 424.25 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 154.70 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.53 424.25 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 209.41 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.35 424.25 Td (is ) Tj ET Q q 0 0 0 rg BT 235.52 424.25 Td (expressed ) Tj ET Q q 0 0 0 rg BT 277.45 424.25 Td (in ) Tj ET Q q 0 0 0 rg BT 287.73 424.25 Td (dollars ) Tj ET Q q 0 0 0 rg BT 317.45 424.25 Td (based ) Tj ET Q q 0 0 0 rg BT 342.71 424.25 Td (on ) Tj ET Q q 0 0 0 rg BT 355.21 424.25 Td (an ) Tj ET Q q 0 0 0 rg BT 367.15 424.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 404.09 424.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 450.47 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 461.30 424.25 Td ($100.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.25 Td (There ) Tj ET Q q 0 0 0 rg BT 95.88 406.25 Td (can ) Tj ET Q q 0 0 0 rg BT 112.32 406.25 Td (be ) Tj ET Q q 0 0 0 rg BT 124.33 406.25 Td (no ) Tj ET Q q 0 0 0 rg BT 136.89 406.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 178.32 406.25 Td (that ) Tj ET Q q 0 0 0 rg BT 195.88 406.25 Td (our ) Tj ET Q q 0 0 0 rg BT 211.78 406.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 235.45 406.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 288.54 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 298.88 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.66 406.25 Td (future ) Tj ET Q q 0 0 0 rg BT 340.11 406.25 Td (will ) Tj ET Q q 0 0 0 rg BT 358.23 406.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 395.23 406.25 Td (with ) Tj ET Q q 0 0 0 rg BT 415.57 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.35 406.25 Td (same ) Tj ET Q q 0 0 0 rg BT 453.46 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 464.36 406.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 494.70 406.25 Td (trend ) Tj ET Q q 0 0 0 rg BT 517.81 406.25 Td (depicted ) Tj ET Q q 0 0 0 rg BT 554.24 406.25 Td (in ) 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 (graph ) Tj ET Q q 0 0 0 rg BT 89.99 394.25 Td (below) Tj ET Q q 0 0 0 rg BT 113.77 394.25 Td (. ) Tj ET Q q 0 0 0 rg BT 118.59 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 127.23 394.25 Td (e ) Tj ET Q q 0 0 0 rg BT 134.17 394.25 Td (will ) Tj ET Q q 0 0 0 rg BT 152.23 394.25 Td (not ) Tj ET Q q 0 0 0 rg BT 167.50 394.25 Td (make ) Tj ET Q q 0 0 0 rg BT 191.66 394.25 Td (or ) Tj ET Q q 0 0 0 rg BT 202.49 394.25 Td (endorse ) Tj ET Q q 0 0 0 rg BT 236.09 394.25 Td (any ) Tj ET Q q 0 0 0 rg BT 253.03 394.25 Td (predictions ) Tj ET Q q 0 0 0 rg BT 299.96 394.25 Td (as ) Tj ET Q q 0 0 0 rg BT 310.79 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 321.07 394.25 Td (future ) Tj ET Q q 0 0 0 rg BT 347.45 394.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 371.05 394.25 Td (performance.) Tj ET Q endstream endobj 63 0 obj <> endobj 64 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (29) Tj ET Q /GS0 gs q 512.00 0 0 253.00 50.00 478.10 cm /I22 Do Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 459.6 m 203.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 459.6 m 264.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 459.6 m 324.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 459.6 m 384.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 459.6 m 444.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 459.6 m 504.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 459.6 m 564.5 459.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 463.33 Td (Index) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 215.70 463.33 Td (5/15/2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.20 463.33 Td (12/31/2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.20 463.33 Td (12/31/2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.20 463.33 Td (12/31/2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.20 463.33 Td (12/31/2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.20 463.33 Td (12/31/2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 450.17 Td (Bankwell Financial Group, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.00 450.17 Td (........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.25 450.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 450.17 Td (1) Tj ET Q q 0 0 0 rg BT 287.25 450.17 Td (16.67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.25 450.17 Td (1) Tj ET Q q 0 0 0 rg BT 347.25 450.17 Td (10.28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.25 450.17 Td (180.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 450.17 Td (190.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.25 450.17 Td (159.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 436.17 Td (Nasdaq Composite Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.00 436.17 Td (..................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.25 436.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 436.17 Td (1) Tj ET Q q 0 0 0 rg BT 287.25 436.17 Td (16.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.25 436.17 Td (123.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.25 436.17 Td (132.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 436.17 Td (169.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.25 436.17 Td (163.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 422.17 Td (Nasdaq Bank Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.50 422.17 Td (...........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.25 422.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 422.17 Td (109.89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.25 422.17 Td (1) Tj ET Q q 0 0 0 rg BT 347.25 422.17 Td (17.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.25 422.17 Td (158.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 422.17 Td (163.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.25 422.17 Td (134.44) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 400.10 Td (In ) Tj ET Q q 0 0 0 rg BT 79.84 400.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 126.31 400.10 Td (with ) Tj ET Q q 0 0 0 rg BT 145.60 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.32 400.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 180.27 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.11 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.83 400.10 Td (SEC, ) Tj ET Q q 0 0 0 rg BT 226.18 400.10 Td (this ) Tj ET Q q 0 0 0 rg BT 242.14 400.10 Td (section ) Tj ET Q q 0 0 0 rg BT 271.97 400.10 Td (captioned ) Tj ET Q q 0 0 0 rg BT 312.35 400.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 355.53 400.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 379.81 400.10 Td (Performance ) Tj ET Q q 0 0 0 rg BT 432.41 400.10 Td (Graph, ) Tj ET Q q 0 0 0 rg BT 465.84 400.10 Td (shall ) Tj ET Q q 0 0 0 rg BT 486.24 400.10 Td (not ) Tj ET Q q 0 0 0 rg BT 500.53 400.10 Td (be ) Tj ET Q q 0 0 0 rg BT 511.47 400.10 Td (incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.01 388.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 103.20 388.10 Td (into ) Tj ET Q q 0 0 0 rg BT 121.77 388.10 Td (any ) Tj ET Q q 0 0 0 rg BT 139.22 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.56 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 166.90 388.10 Td (future ) Tj ET Q q 0 0 0 rg BT 193.79 388.10 Td (filings ) Tj ET Q q 0 0 0 rg BT 222.35 388.10 Td (made ) Tj ET Q q 0 0 0 rg BT 247.02 388.10 Td (under ) Tj ET Q q 0 0 0 rg BT 272.80 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.02 388.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 330.47 388.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 372.24 388.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 389.69 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.03 388.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 424.04 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 435.38 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.60 388.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 492.38 388.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 509.83 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.17 388.10 Td (1933. ) Tj ET Q q 0 0 0 rg BT 546.47 388.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 89.47 376.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 114.50 376.10 Td (Performance ) Tj ET Q q 0 0 0 rg BT 167.83 376.10 Td (Graph, ) Tj ET Q q 0 0 0 rg BT 197.57 376.10 Td (including ) Tj ET Q q 0 0 0 rg BT 237.59 376.10 Td (its ) Tj ET Q q 0 0 0 rg BT 249.29 376.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 309.84 376.10 Td (table ) Tj ET Q q 0 0 0 rg BT 331.53 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.21 376.10 Td (footnotes, ) Tj ET Q q 0 0 0 rg BT 390.18 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 399.09 376.10 Td (not ) Tj ET Q q 0 0 0 rg BT 414.12 376.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 447.46 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.49 376.10 Td (be ) Tj ET Q q 0 0 0 rg BT 469.17 376.10 Td (soliciting ) Tj ET Q q 0 0 0 rg BT 508.64 376.10 Td (material ) Tj ET Q q 0 0 0 rg BT 543.65 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 554.23 376.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.94 364.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 82.76 364.10 Td (under ) Tj ET Q q 0 0 0 rg BT 108.03 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.75 364.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 164.12 364.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 181.06 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 191.89 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.61 364.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 247.99 364.10 Td (Act.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Item6. ) Tj ET Q q 0 0 0 rg BT 104.00 346.10 Td (Selected Financial Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 328.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.85 328.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.04 328.10 Td (table ) Tj ET Q q 0 0 0 rg BT 150.77 328.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 168.08 328.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 189.82 328.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 224.32 328.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 277.17 328.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 314.45 328.10 Td (data ) Tj ET Q q 0 0 0 rg BT 333.41 328.10 Td (as ) Tj ET Q q 0 0 0 rg BT 344.04 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.67 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.19 328.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 392.04 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.78 328.10 Td (for ) Tj ET Q q 0 0 0 rg BT 422.74 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.26 328.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 469.00 328.10 Td (presented. ) Tj ET Q q 0 0 0 rg BT 511.95 328.10 Td (The ) Tj ET Q q 0 0 0 rg BT 529.80 328.10 Td (selected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.02 316.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 143.82 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.63 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 192.09 316.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 232.35 316.10 Td (data ) Tj ET Q q 0 0 0 rg BT 251.48 316.10 Td (as ) Tj ET Q q 0 0 0 rg BT 262.29 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.11 316.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 331.67 316.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 354.15 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.07 316.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 393.55 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.47 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.17 316.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 459.85 316.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 512.87 316.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 553.67 316.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (income ) Tj ET Q q 0 0 0 rg BT 82.57 304.10 Td (data ) Tj ET Q q 0 0 0 rg BT 102.36 304.10 Td (for ) Tj ET Q q 0 0 0 rg BT 117.15 304.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 156.10 304.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 183.12 304.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 242.33 304.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 267.97 304.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 291.10 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.68 304.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 331.81 304.10 Td (have ) Tj ET Q q 0 0 0 rg BT 353.82 304.10 Td (been ) Tj ET Q q 0 0 0 rg BT 375.83 304.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 408.96 304.10 Td (mainly ) Tj ET Q q 0 0 0 rg BT 439.86 304.10 Td (from ) Tj ET Q q 0 0 0 rg BT 462.44 304.10 Td (our ) Tj ET Q q 0 0 0 rg BT 478.90 304.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 511.47 304.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.02 292.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 131.28 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.76 292.10 Td (related ) Tj ET Q q 0 0 0 rg BT 177.00 292.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 200.15 292.10 Td (that ) Tj ET Q q 0 0 0 rg BT 217.19 292.10 Td (we ) Tj ET Q q 0 0 0 rg BT 230.89 292.10 Td (have ) Tj ET Q q 0 0 0 rg BT 251.81 292.10 Td (included ) Tj ET Q q 0 0 0 rg BT 288.29 292.10 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 330.31 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.13 292.10 Td (this ) Tj ET Q q 0 0 0 rg BT 356.17 292.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 387.65 292.10 Td (Report. ) Tj ET Q q 0 0 0 rg BT 419.26 292.10 Td (The ) Tj ET Q q 0 0 0 rg BT 436.85 292.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 471.09 292.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 523.68 292.10 Td (statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.00 280.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 98.66 280.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 139.10 280.10 Td (data ) Tj ET Q q 0 0 0 rg BT 158.43 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 169.44 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 180.44 280.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 239.20 280.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 264.37 280.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 287.04 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.16 280.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 326.83 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.94 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.83 280.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 393.71 280.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 446.92 280.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 487.92 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.92 280.10 Td (income ) Tj ET Q q 0 0 0 rg BT 531.03 280.10 Td (data ) Tj ET Q q 0 0 0 rg BT 550.35 280.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 88.47 268.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 115.00 268.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 173.74 268.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 196.39 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.48 268.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 236.14 268.10 Td (have ) Tj ET Q q 0 0 0 rg BT 257.67 268.10 Td (been ) Tj ET Q q 0 0 0 rg BT 279.20 268.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 311.84 268.10 Td (mainly ) Tj ET Q q 0 0 0 rg BT 342.27 268.10 Td (from ) Tj ET Q q 0 0 0 rg BT 364.36 268.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 396.45 268.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 449.64 268.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 487.28 268.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 532.14 268.10 Td (that ) Tj ET Q q 0 0 0 rg BT 549.79 268.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 256.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 106.09 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 116.37 256.10 Td (this ) Tj ET Q q 0 0 0 rg BT 132.77 256.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 164.71 256.10 Td (Report.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.32 238.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 121.30 238.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 160.29 238.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 212.61 238.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 249.37 238.10 Td (data ) Tj ET Q q 0 0 0 rg BT 267.80 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 277.91 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.02 238.10 Td (any ) Tj ET Q q 0 0 0 rg BT 304.23 238.10 Td (date ) Tj ET Q q 0 0 0 rg BT 322.67 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.88 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 352.32 238.10 Td (any ) Tj ET Q q 0 0 0 rg BT 368.54 238.10 Td (period ) Tj ET Q q 0 0 0 rg BT 395.86 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 409.84 238.10 Td (not ) Tj ET Q q 0 0 0 rg BT 424.40 238.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 470.60 238.10 Td (indicative ) Tj ET Q q 0 0 0 rg BT 511.81 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.91 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.91 238.10 Td (results ) 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 67.11 226.10 Td (may ) Tj ET Q q 0 0 0 rg BT 86.45 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 98.00 226.10 Td (achieved ) Tj ET Q q 0 0 0 rg BT 135.65 226.10 Td (as ) Tj ET Q q 0 0 0 rg BT 146.10 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.54 226.10 Td (any ) Tj ET Q q 0 0 0 rg BT 173.10 226.10 Td (future ) Tj ET Q q 0 0 0 rg BT 199.09 226.10 Td (date ) Tj ET Q q 0 0 0 rg BT 217.86 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 228.31 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.09 226.10 Td (any ) Tj ET Q q 0 0 0 rg BT 258.64 226.10 Td (future ) Tj ET Q q 0 0 0 rg BT 284.64 226.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 314.49 226.10 Td (Y) Tj ET Q q 0 0 0 rg BT 320.71 226.10 Td (ou ) Tj ET Q q 0 0 0 rg BT 332.82 226.10 Td (should ) Tj ET Q q 0 0 0 rg BT 361.61 226.10 Td (read ) Tj ET Q q 0 0 0 rg BT 380.93 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.27 226.10 Td (following ) Tj ET Q q 0 0 0 rg BT 436.27 226.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 470.59 226.10 Td (statistical ) Tj ET Q q 0 0 0 rg BT 510.47 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.03 226.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (data ) Tj ET Q q 0 0 0 rg BT 68.06 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 77.24 214.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 125.85 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 145.03 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.65 214.10 Td (more ) Tj ET Q q 0 0 0 rg BT 180.60 214.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 213.65 214.10 Td (information ) Tj ET Q q 0 0 0 rg BT 262.26 214.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 302.53 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.71 214.10 Td (Management) Tj ET Q q 0 0 0 rg BT 371.13 214.10 Td (s ) Tj ET Q q 0 0 0 rg BT 376.43 214.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 421.72 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.25 214.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 473.65 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.38 214.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 522.00 214.10 Td (Condition ) 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 67.18 202.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 99.38 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.45 202.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 161.51 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.69 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 194.77 202.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 248.05 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 285.78 202.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 330.73 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.92 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.88 202.10 Td (related ) Tj ET Q q 0 0 0 rg BT 392.82 202.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 416.67 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 434.41 202.10 Td (we ) Tj ET Q q 0 0 0 rg BT 448.82 202.10 Td (have ) Tj ET Q q 0 0 0 rg BT 470.44 202.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 511.50 202.10 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 554.22 202.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.40 190.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 98.33 190.10 Td (Report.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 172.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 86.41 172.10 Td (income ) Tj ET Q q 0 0 0 rg BT 117.82 172.10 Td (for ) Tj ET Q q 0 0 0 rg BT 131.46 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.65 172.10 Td (year ) Tj ET Q q 0 0 0 rg BT 164.83 172.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 190.68 172.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 248.74 172.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 270.72 172.10 Td (was ) Tj ET Q q 0 0 0 rg BT 288.24 172.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 331.87 172.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 370.50 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 382.47 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.52 172.10 Td (T) Tj ET Q q 0 0 0 rg BT 401.93 172.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 413.34 172.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 433.66 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.07 172.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 469.39 172.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 485.81 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.11 172.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 518.09 172.10 Td (as ) Tj ET Q q 0 0 0 rg BT 528.39 172.10 Td (it ) Tj ET Q q 0 0 0 rg BT 535.93 172.10 Td (relates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.73 160.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 105.35 160.10 Td (that ) Tj ET Q q 0 0 0 rg BT 123.30 160.10 Td (required ) Tj ET Q q 0 0 0 rg BT 159.58 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.97 160.10 Td (re-measurement ) Tj ET Q q 0 0 0 rg BT 234.34 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.62 160.10 Td (our ) Tj ET Q q 0 0 0 rg BT 261.91 160.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 298.17 160.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 313.34 160.10 Td (asset, ) Tj ET Q q 0 0 0 rg BT 338.24 160.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.63 160.10 Td (required ) Tj ET Q q 0 0 0 rg BT 401.91 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 409.30 160.10 Td ($3.3million ) Tj ET Q q 0 0 0 rg BT 461.15 160.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 493.18 160.10 Td (f ) Tj ET Q q 0 0 0 rg BT 499.46 160.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 546.28 160.10 Td (as ) Tj ET Q q 0 0 0 rg BT 557.57 160.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 75.01 148.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 110.01 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.04 148.10 Td (income ) Tj ET Q q 0 0 0 rg BT 151.72 148.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 166.19 148.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 202.65 148.10 Td (As ) Tj ET Q q 0 0 0 rg BT 216.01 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 222.70 148.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 249.66 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.13 148.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 316.90 148.10 Td (metrics ) Tj ET Q q 0 0 0 rg BT 348.58 148.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 389.15 148.10 Td (below ) Tj ET Q q 0 0 0 rg BT 415.83 148.10 Td (have ) Tj ET Q q 0 0 0 rg BT 436.96 148.10 Td (been ) Tj ET Q q 0 0 0 rg BT 458.08 148.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 498.65 148.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 537.55 148.10 Td (due ) Tj ET Q q 0 0 0 rg BT 554.23 148.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 136.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 96.09 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.37 136.10 Td (net ) Tj ET Q q 0 0 0 rg BT 121.08 136.10 Td (income ) Tj ET Q q 0 0 0 rg BT 153.02 136.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 181.06 136.10 Td (by ) Tj ET Q q 0 0 0 rg BT 193.56 136.10 Td (this ) Tj ET Q q 0 0 0 rg BT 210.51 136.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 242.54 136.10 Td (f.) Tj ET Q endstream endobj 65 0 obj <> endobj 66 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 50.00 742.25 Td (Selected Financial Data) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 719.75 m 338.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 719.75 m 342.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 719.75 m 393.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 719.75 m 397.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 719.75 m 450.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 719.75 m 454.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 719.75 m 507.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 719.75 m 511.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 719.75 m 562.5 719.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 707.75 m 338.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 707.75 m 393.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 707.75 m 450.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 707.75 m 507.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 707.75 m 562.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 659.75 m 338.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 659.75 m 393.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 659.75 m 450.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 659.75 m 507.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 659.75 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 287.5 659.75 m 338.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 659.75 m 393.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 659.75 m 450.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 659.75 m 507.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 659.75 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 287.5 635.75 m 338.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 635.75 m 393.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 635.75 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 454.5 635.75 m 507.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 635.75 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 287.5 599.75 m 338.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 599.75 m 393.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 599.75 m 450.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 599.75 m 507.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 599.75 m 562.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 575.75 m 338.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 575.75 m 393.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 575.75 m 450.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 575.75 m 507.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 575.75 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 287.5 563.75 m 338.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 563.75 m 393.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 563.75 m 450.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 563.75 m 507.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 563.75 m 562.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 551.75 m 338.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 551.75 m 393.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 551.75 m 450.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 551.75 m 507.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 551.75 m 562.5 551.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.30 723.83 Td (At or) Tj ET Q q 0 0 0 rg BT 373.22 723.83 Td ( For) Tj ET Q q 0 0 0 rg BT 387.51 723.83 Td ( the ) Tj ET Q q 0 0 0 rg BT 401.96 723.83 Td (Y) Tj ET Q q 0 0 0 rg BT 407.14 723.83 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 481.72 723.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.50 711.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 359.50 711.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.50 711.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.50 711.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.50 711.83 Td (2014) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 350.35 699.83 Td (\(Dollars in thousands, except per share data\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 687.83 Td (Statements of Income:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 675.70 Td (Interest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 675.70 Td (........................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.00 675.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 675.70 Td (80,064) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 675.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 675.70 Td (71,201) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.00 675.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 675.70 Td (60,990) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 675.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 675.70 Td (50,754) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 675.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.65 675.70 Td (35,589) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 663.70 Td (Interest expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 106.00 663.70 Td (.......................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 663.70 Td (23,738) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 663.70 Td (16,837) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 663.70 Td (1) Tj ET Q q 0 0 0 rg BT 424.00 663.70 Td (1,898) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 663.70 Td (7,966) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 663.70 Td (3,929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 651.70 Td (Net interest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.00 651.70 Td (..................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 651.70 Td (56,326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 651.70 Td (54,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 651.70 Td (49,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 651.70 Td (42,788) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.65 651.70 Td (31,660) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 639.70 Td (Provision for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.00 639.70 Td (..........................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 639.70 Td (3,440) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 639.70 Td (1,341) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 639.70 Td (3,914) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 639.70 Td (3,230) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 639.70 Td (2,152) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 627.70 Td (Net interest income after provision for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.00 627.70 Td (.................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 627.70 Td (52,886) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 627.70 Td (53,023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 627.70 Td (45,178) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 627.70 Td (39,558) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.65 627.70 Td (29,508) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 615.70 Td (Noninterest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.00 615.70 Td (..................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 615.70 Td (3,900) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 615.70 Td (4,629) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 615.70 Td (2,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 615.70 Td (3,484) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 615.70 Td (3,041) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 603.70 Td (Noninterest expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.00 603.70 Td (................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 603.70 Td (35,633) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 603.70 Td (32,523) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 603.70 Td (29,544) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 603.70 Td (29,171) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.65 603.70 Td (25,812) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 591.70 Td (Income before income tax) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.00 591.70 Td (.......................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 591.70 Td (21,153) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 591.70 Td (25,129) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 591.70 Td (18,310) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 591.70 Td (13,871) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 591.70 Td (6,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 579.70 Td (Income tax expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 118.00 579.70 Td (.................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 579.70 Td (3,720) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 579.70 Td (1) Tj ET Q q 0 0 0 rg BT 367.00 579.70 Td (1,299) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 579.70 Td (5,960) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 579.70 Td (4,841) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 579.70 Td (2,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 567.70 Td (Net income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.00 567.70 Td (..............................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 567.70 Td (17,433) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 567.70 Td (13,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 567.70 Td (12,350) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 567.70 Td (9,030) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 567.70 Td (4,568) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 555.70 Td (Net income attributable to common shareholders) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.00 555.70 Td (...................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.00 555.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 555.70 Td (17,433) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 555.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 555.70 Td (13,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.00 555.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 555.70 Td (12,350) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 555.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 555.70 Td (8,905) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 555.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 555.70 Td (4,458) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 543.83 Td (Per) Tj ET Q q 0 0 0 rg BT 64.92 543.83 Td ( Shar) Tj ET Q q 0 0 0 rg BT 83.22 543.83 Td (e Data:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 531.70 Td (Basic earnings per share) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.00 531.70 Td (..........................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.00 531.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 531.70 Td (2.23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 531.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 531.70 Td (1.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.00 531.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 531.70 Td (1.64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 531.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 531.70 Td (1.23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 531.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 531.70 Td (0.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 519.70 Td (Diluted earnings per share) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.00 519.70 Td (.......................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.00 519.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 519.70 Td (2.21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 519.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 519.70 Td (1.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.00 519.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 519.70 Td (1.62) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 519.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 519.70 Td (1.21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 519.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 519.70 Td (0.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 507.70 Td (Book value per share \(end of period\)) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 170.73 511.33 Td (\(a\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 178.00 507.70 Td (...................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 507.70 Td (22.43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 507.70 Td (20.98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 507.70 Td (19.39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 507.70 Td (17.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 507.70 Td (16.84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 495.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.33 495.70 Td (angible book value per share \(end of period\)) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 199.27 499.33 Td (\(a\)\(b\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.00 495.70 Td (..................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 495.70 Td (22.06) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 495.70 Td (20.59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 495.70 Td (18.98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 495.70 Td (17.43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 495.70 Td (16.35) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 483.70 Td (Dividend payout ratio) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 123.21 487.33 Td (\(f\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 483.70 Td (21.56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 483.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 483.70 Td (15.54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 483.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 483.70 Td (13.45) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 483.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 483.70 Td (4.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 483.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.65 483.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 483.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 471.70 Td (Shares outstanding \(end of period\)) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 163.64 475.33 Td (\(a\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 170.00 471.70 Td (.......................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.00 471.70 Td (7,764,647) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 471.70 Td (7,676,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.00 471.70 Td (7,524,069) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.60 471.70 Td (7,372,968) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.60 471.70 Td (7,019,620) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 459.70 Td (W) Tj ET Q q 0 0 0 rg BT 60.23 459.70 Td (eighted average shares outstandingbasic) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.00 459.70 Td (...........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.00 459.70 Td (7,722,175) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 459.70 Td (7,572,409) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.00 459.70 Td (7,396,019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.60 459.70 Td (7,071,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.60 459.70 Td (5,577,942) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 447.70 Td (W) Tj ET Q q 0 0 0 rg BT 60.23 447.70 Td (eighted average shares outstandingdiluted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.00 447.70 Td (.........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.00 447.70 Td (7,775,480) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 447.70 Td (7,670,413) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.00 447.70 Td (7,491,052) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.60 447.70 Td (7,140,558) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.60 447.70 Td (5,605,512) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 435.83 Td (Performance Ratios:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 423.70 Td (Return on average assets) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 132.30 427.33 Td (\(c\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.00 423.70 Td (......................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 423.70 Td (0.94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 423.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 423.70 Td (0.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 423.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 423.70 Td (0.85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 423.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 423.70 Td (0.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 423.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 423.70 Td (0.52) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 423.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 411.70 Td (Return on average common shareholders) Tj ET Q q 0 0 0 rg BT 186.43 411.70 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.00 411.70 Td (...................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 411.70 Td (10.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 411.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 411.70 Td (8.93) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 411.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 411.70 Td (8.94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 411.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 411.70 Td (6.67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 411.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 411.70 Td (5.13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 411.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 399.70 Td (Return on average shareholders) Tj ET Q q 0 0 0 rg BT 156.14 399.70 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 178.14 403.33 Td (\(c\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 184.00 399.70 Td (................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 399.70 Td (10.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 399.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 399.70 Td (8.93) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 399.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 399.70 Td (8.94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 399.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 399.70 Td (6.76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 399.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 399.70 Td (4.66) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 399.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 387.70 Td (A) Tj ET Q q 0 0 0 rg BT 58.48 387.70 Td (verage shareholders) Tj ET Q q 0 0 0 rg BT 124.30 387.70 Td ( equity to average assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.00 387.70 Td (.......................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 387.70 Td (9.24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 387.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 387.70 Td (8.97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 387.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 387.70 Td (9.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 387.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 387.70 Td (1) Tj ET Q q 0 0 0 rg BT 483.65 387.70 Td (1.08) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 387.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 387.70 Td (1) Tj ET Q q 0 0 0 rg BT 538.65 387.70 Td (1.14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 387.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 375.70 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 104.46 375.70 Td (gin) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.00 375.70 Td (..................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 375.70 Td (3.18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 375.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 375.70 Td (3.30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 375.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 375.70 Td (3.54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 375.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 375.70 Td (3.77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 375.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 375.70 Td (3.84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 375.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 363.70 Td (Ef) Tj ET Q q 0 0 0 rg BT 60.41 363.70 Td (ficiency ratio) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 102.83 367.33 Td (\(b\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.00 363.70 Td (.....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 363.70 Td (59.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 363.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 363.70 Td (54.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 363.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 363.70 Td (56.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 363.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 363.70 Td (62.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 363.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 363.70 Td (68.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 363.70 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 351.83 Td (Asset Quality Ratios:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 339.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.33 339.70 Td (otal past due loans to total loans) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 159.98 343.33 Td (\(d\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.00 339.70 Td (........................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 339.70 Td (0.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 339.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 339.70 Td (1.67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 339.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 339.70 Td (0.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 339.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 339.70 Td (0.51) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 339.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 339.70 Td (0.86) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 339.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 327.70 Td (Nonperforming loans to total loans) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 164.98 331.33 Td (\(d\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.00 327.70 Td (......................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 327.70 Td (0.88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 327.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 327.70 Td (0.36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 327.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 327.70 Td (0.22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 327.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 327.70 Td (0.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 327.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 327.70 Td (0.36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 327.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 315.70 Td (Nonperforming assets to total assets) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 168.54 319.33 Td (\(e\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 176.00 315.70 Td (....................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 315.70 Td (0.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 315.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 315.70 Td (0.31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 315.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 315.70 Td (0.20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 315.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 315.70 Td (0.38) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 315.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 315.70 Td (0.39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 315.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 303.70 Td (Allowance for loan losses to nonperforming loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.00 303.70 Td (.................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 303.70 Td (109.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 303.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 303.70 Td (344.90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 303.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 303.70 Td (612.26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 303.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 303.70 Td (373.76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 303.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.65 303.70 Td (323.02) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 303.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 291.70 Td (Allowance for loan losses to total loans) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 179.20 295.33 Td (\(d\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.00 291.70 Td (...............................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 291.70 Td (0.96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 291.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 291.70 Td (1.23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 291.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 291.70 Td (1.32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 291.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 291.70 Td (1.23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 291.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.65 291.70 Td (1.17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 291.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 279.70 Td (Net char) Tj ET Q q 0 0 0 rg BT 80.17 279.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 96.91 279.70 Td (fs \(recoveries\) to average loans) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 196.86 283.33 Td (\(d\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 279.70 Td (......................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 279.70 Td (0.44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 279.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 279.70 Td (0.03) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 279.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 279.70 Td (0.01) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 279.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.95 279.70 Td (\(0.01) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.65 279.70 Td (\)%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.95 279.70 Td (\(0.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 552.65 279.70 Td (\)%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 267.83 Td (Statements of Financial Condition:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 255.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 255.70 Td (otal assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 255.70 Td (...............................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.00 255.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.00 255.70 Td (1,873,665) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 255.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 255.70 Td (1,796,607) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.00 255.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.00 255.70 Td (1,628,919) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 255.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.60 255.70 Td (1,330,372) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 255.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.60 255.70 Td (1,099,531) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 243.70 Td (Gross portfolio loans) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 120.55 247.33 Td (\(d\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.00 243.70 Td (............................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.00 243.70 Td (1,604,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 243.70 Td (1,543,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.00 243.70 Td (1,365,939) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.60 243.70 Td (1,147,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.60 243.70 Td (929,762) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 231.70 Td (Investment securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 122.00 231.70 Td (...............................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.00 231.70 Td (1) Tj ET Q q 0 0 0 rg BT 308.00 231.70 Td (16,584) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.00 231.70 Td (1) Tj ET Q q 0 0 0 rg BT 363.00 231.70 Td (13,767) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.00 231.70 Td (104,610) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 231.70 Td (50,807) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.65 231.70 Td (76,463) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 219.70 Td (Deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 82.00 219.70 Td (...................................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.00 219.70 Td (1,502,244) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 219.70 Td (1,398,405) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.00 219.70 Td (1,289,037) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.60 219.70 Td (1,046,942) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.60 219.70 Td (835,439) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 207.70 Td (FHLB borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.00 207.70 Td (....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.00 207.70 Td (160,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.00 207.70 Td (199,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.00 207.70 Td (160,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.65 207.70 Td (120,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.60 207.70 Td (129,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 195.70 Td (Subordinated debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.00 195.70 Td (....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 195.70 Td (25,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.00 195.70 Td (25,103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.00 195.70 Td (25,051) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.65 195.70 Td (25,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.65 195.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 183.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 183.70 Td (otal equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.00 183.70 Td (..............................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.00 183.70 Td (174,196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.00 183.70 Td (161,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.00 183.70 Td (145,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.65 183.70 Td (131,769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.60 183.70 Td (129,210) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 171.83 Td (Capital Ratios:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 159.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.75 159.70 Td (ier 1 capital to average assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 147.70 Td (Bankwell Bank) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.00 147.70 Td (.....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 147.70 Td (10.14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 147.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 147.70 Td (9.61) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 147.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 147.70 Td (10.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 147.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 147.70 Td (10.84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 147.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 147.70 Td (1) Tj ET Q q 0 0 0 rg BT 538.65 147.70 Td (1.12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 147.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 135.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.75 135.70 Td (ier 1 capital to risk-weighted assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 123.70 Td (Bankwell Bank) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.00 123.70 Td (.....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 123.70 Td (1) Tj ET Q q 0 0 0 rg BT 316.00 123.70 Td (1.56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 123.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 123.70 Td (10.99) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 123.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 123.70 Td (1) Tj ET Q q 0 0 0 rg BT 428.00 123.70 Td (1.59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 123.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 123.70 Td (12.18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 123.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 123.70 Td (12.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 123.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 111.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 111.70 Td (otal capital to risk-weighted assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 99.70 Td (Bankwell Bank) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.00 99.70 Td (.....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 99.70 Td (12.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 99.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.00 99.70 Td (12.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 99.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.00 99.70 Td (12.85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 99.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.65 99.70 Td (13.39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 99.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 99.70 Td (13.55) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 99.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 87.70 Td (T) Tj ET Q q 0 0 0 rg BT 57.33 87.70 Td (otal shareholders) Tj ET Q q 0 0 0 rg BT 113.82 87.70 Td ( equity to total assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 182.00 87.70 Td (.................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 87.70 Td (9.30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 87.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 87.70 Td (8.96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 87.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 87.70 Td (8.96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 87.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 87.70 Td (9.90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 87.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 87.70 Td (1) Tj ET Q q 0 0 0 rg BT 538.65 87.70 Td (1.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 87.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 74.00 Td (T) Tj ET Q q 0 0 0 rg BT 57.33 74.00 Td (angible common equity ratio) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 149.53 77.63 Td (\(b\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.00 73.70 Td (..............................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.00 74.00 Td (9.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 74.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 74.00 Td (8.81) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 74.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 74.00 Td (8.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 74.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.65 74.00 Td (9.68) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 74.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.65 74.00 Td (10.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 74.00 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 46.25 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 46.25 Td (Excludes preferred stock and unvested restricted stock awards.) 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 (31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.78 742.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 141.10 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 149.78 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 164.56 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 171.00 742.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 206.32 742.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 252.19 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 276.96 742.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 303.82 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 305.82 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.26 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 330.94 742.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 369.03 742.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 414.35 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.13 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 435.57 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 442.02 742.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 487.20 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.21 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 526.19 742.10 Td (measure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (See ) Tj ET Q q 0 0 0 rg BT 103.02 730.10 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 154.87 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.45 730.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 197.25 730.10 Td (Measures ) Tj ET Q q 0 0 0 rg BT 242.59 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 256.83 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 263.85 730.10 Td (description ) Tj ET Q q 0 0 0 rg BT 310.87 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.78 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 338.81 730.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 374.71 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.73 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.75 730.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 456.31 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.23 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 484.26 730.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 520.16 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.52 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 542.55 730.10 Td (most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 119.04 718.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 168.18 718.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 195.04 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.54 718.10 Td (measure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 700.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 700.10 Td (Calculated based on net income before preferred stock dividend.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 682.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 682.10 Td (Calculated using the principal amounts outstanding on loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 664.10 Td (\(e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 664.10 Td (Nonperforming assets consist of nonperforming loans and other real estate owned.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 646.10 Td (\(f\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td (The Company paid its first quarterly dividend to shareholders in the fourth quarter of 2015.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (NON-GAAP) Tj ET Q q 0 0 0 rg BT 103.33 628.10 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 161.95 628.10 Td ( MEASURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 610.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 610.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.34 610.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 118.71 610.10 Td (ef) Tj ET Q q 0 0 0 rg BT 130.74 610.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 165.21 610.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 192.74 610.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 231.66 610.10 Td (common ) Tj ET Q q 0 0 0 rg BT 268.92 610.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 296.18 610.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 323.71 610.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 362.63 610.10 Td (book ) Tj ET Q q 0 0 0 rg BT 384.90 610.10 Td (value ) Tj ET Q q 0 0 0 rg BT 408.82 610.10 Td (per ) Tj ET Q q 0 0 0 rg BT 423.86 610.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 454.16 610.10 Td (total ) Tj ET Q q 0 0 0 rg BT 478.64 610.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 516.99 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.70 610.10 Td (return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.32 598.10 Td (average ) Tj ET Q q 0 0 0 rg BT 95.72 598.10 Td (common ) Tj ET Q q 0 0 0 rg BT 133.03 598.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 186.16 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 188.48 598.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 220.23 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 230.88 598.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 280.50 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 282.82 598.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 320.12 598.10 Td (measures. ) Tj ET Q q 0 0 0 rg BT 366.58 598.10 Td (In ) Tj ET Q q 0 0 0 rg BT 377.23 598.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 424.51 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 444.61 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.14 598.10 Td (SEC) Tj ET Q q 0 0 0 rg BT 480.26 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 486.47 598.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 510.73 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 524.71 598.10 Td (classify ) Tj ET Q q 0 0 0 rg BT 557.57 598.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.73 586.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 123.79 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 134.87 586.10 Td (being ) Tj ET Q q 0 0 0 rg BT 159.84 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.03 586.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 212.21 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 214.96 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 252.69 586.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 288.75 586.10 Td (if ) Tj ET Q q 0 0 0 rg BT 297.61 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 315.36 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 353.09 586.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 389.15 586.10 Td (excludes ) Tj ET Q q 0 0 0 rg BT 426.88 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 437.96 586.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 474.04 586.10 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 513.17 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 524.25 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 533.67 586.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.60 574.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 111.19 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 129.01 574.10 Td (have ) Tj ET Q q 0 0 0 rg BT 150.71 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.75 574.10 Td (ef) Tj ET Q q 0 0 0 rg BT 173.33 574.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 191.14 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.29 574.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 244.55 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 255.70 574.10 Td (including ) Tj ET Q q 0 0 0 rg BT 296.29 574.10 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 335.50 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 353.32 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 368.35 574.10 Td (included ) Tj ET Q q 0 0 0 rg BT 405.60 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 416.75 574.10 Td (excluded, ) Tj ET Q q 0 0 0 rg BT 458.17 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 469.32 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.36 574.10 Td (case ) Tj ET Q q 0 0 0 rg BT 504.39 574.10 Td (may ) Tj ET Q q 0 0 0 rg BT 524.42 574.10 Td (be, ) Tj ET Q q 0 0 0 rg BT 539.18 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 574.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (most ) Tj ET Q q 0 0 0 rg BT 72.56 562.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 106.21 562.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 155.97 562.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 192.39 562.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 236.03 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.58 562.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 295.01 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 305.90 562.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 353.97 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 374.86 562.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 415.18 562.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 453.26 562.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 500.24 562.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 542.79 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 554.23 562.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 550.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.06 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 96.98 550.10 Td (time ) Tj ET Q q 0 0 0 rg BT 117.23 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 127.50 550.10 Td (time ) Tj ET Q q 0 0 0 rg BT 147.75 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 158.01 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.71 550.10 Td (United ) Tj ET Q q 0 0 0 rg BT 202.41 550.10 Td (States ) Tj ET Q q 0 0 0 rg BT 228.78 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.04 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 254.86 550.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 299.55 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.36 550.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 344.78 550.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 377.80 550.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 400.83 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 411.64 550.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 456.33 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.15 550.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 487.40 550.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 514.60 550.10 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 562.01 550.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.97 538.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 130.17 538.10 Td (do ) Tj ET Q q 0 0 0 rg BT 144.16 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 160.92 538.10 Td (include ) Tj ET Q q 0 0 0 rg BT 194.35 538.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 236.10 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.53 538.10 Td (other ) Tj ET Q q 0 0 0 rg BT 279.06 538.10 Td (statistical ) Tj ET Q q 0 0 0 rg BT 320.82 538.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 362.02 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 374.34 538.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 400.54 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.86 538.10 Td (statistical ) Tj ET Q q 0 0 0 rg BT 454.62 538.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 495.82 538.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 540.33 538.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (exclusively ) Tj ET Q q 0 0 0 rg BT 97.45 526.10 Td (either ) Tj ET Q q 0 0 0 rg BT 122.13 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 159.02 526.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 198.14 526.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 240.57 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.26 526.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 297.13 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.82 526.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 342.94 526.10 Td (, ) Tj ET Q q 0 0 0 rg BT 347.35 526.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 387.03 526.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 426.14 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 436.38 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 458.84 526.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 497.96 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 514.87 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 528.98 526.10 Td (not ) Tj ET Q q 0 0 0 rg BT 543.67 526.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 76.86 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.36 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 116.84 514.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 156.54 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 167.37 514.10 Td (both.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.39 496.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 132.58 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.42 496.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 171.25 496.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 210.30 496.10 Td (that ) Tj ET Q q 0 0 0 rg BT 227.14 496.10 Td (we ) Tj ET Q q 0 0 0 rg BT 240.65 496.10 Td (discuss ) Tj ET Q q 0 0 0 rg BT 271.39 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.01 496.10 Td (this ) Tj ET Q q 0 0 0 rg BT 297.30 496.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 325.81 496.10 Td (report ) Tj ET Q q 0 0 0 rg BT 351.53 496.10 Td (should ) Tj ET Q q 0 0 0 rg BT 380.04 496.10 Td (not ) Tj ET Q q 0 0 0 rg BT 394.67 496.10 Td (be ) Tj ET Q q 0 0 0 rg BT 405.95 496.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 451.11 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.74 496.10 Td (isolation ) Tj ET Q q 0 0 0 rg BT 497.03 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.20 496.10 Td (as ) Tj ET Q q 0 0 0 rg BT 517.38 496.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.66 496.10 Td (substitute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.60 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.75 484.10 Td (most ) Tj ET Q q 0 0 0 rg BT 99.13 484.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 131.61 484.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 180.18 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 190.45 484.10 Td (other ) Tj ET Q q 0 0 0 rg BT 212.93 484.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 249.85 484.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 288.99 484.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 331.45 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 341.16 484.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 388.06 484.10 Td (with ) Tj ET Q q 0 0 0 rg BT 407.77 484.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 433.89 484.10 Td (. ) Tj ET Q q 0 0 0 rg BT 438.33 484.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 477.35 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 481.79 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.94 484.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 527.86 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 537.58 484.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.90 472.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 103.67 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.13 472.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 164.32 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 167.56 472.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 205.78 472.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 246.23 472.10 Td (that ) Tj ET Q q 0 0 0 rg BT 264.47 472.10 Td (we ) Tj ET Q q 0 0 0 rg BT 279.37 472.10 Td (discuss ) Tj ET Q q 0 0 0 rg BT 311.50 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 322.52 472.10 Td (this ) Tj ET Q q 0 0 0 rg BT 340.21 472.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 370.11 472.10 Td (report ) Tj ET Q q 0 0 0 rg BT 397.23 472.10 Td (may ) Tj ET Q q 0 0 0 rg BT 417.69 472.10 Td (dif) Tj ET Q q 0 0 0 rg BT 428.62 472.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 442.96 472.10 Td (from ) Tj ET Q q 0 0 0 rg BT 465.64 472.10 Td (that ) Tj ET Q q 0 0 0 rg BT 483.88 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.45 472.10 Td (other ) Tj ET Q q 0 0 0 rg BT 519.24 472.10 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.82 460.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 130.18 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 151.12 460.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 182.06 460.10 Td (names. ) Tj ET Q q 0 0 0 rg BT 212.79 460.10 Td (Y) Tj ET Q q 0 0 0 rg BT 219.02 460.10 Td (ou ) Tj ET Q q 0 0 0 rg BT 232.18 460.10 Td (should ) Tj ET Q q 0 0 0 rg BT 262.01 460.10 Td (understand ) Tj ET Q q 0 0 0 rg BT 309.04 460.10 Td (how ) Tj ET Q q 0 0 0 rg BT 329.43 460.10 Td (such ) Tj ET Q q 0 0 0 rg BT 350.92 460.10 Td (other ) Tj ET Q q 0 0 0 rg BT 374.63 460.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 410.00 460.10 Td (or) Tj ET Q q 0 0 0 rg BT 418.15 460.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 466.85 460.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 505.54 460.10 Td (their ) Tj ET Q q 0 0 0 rg BT 527.03 460.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 90.93 448.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 122.42 448.10 Td (or ) Tj ET Q q 0 0 0 rg BT 134.47 448.10 Td (with ) Tj ET Q q 0 0 0 rg BT 155.97 448.10 Td (names ) Tj ET Q q 0 0 0 rg BT 185.23 448.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 216.73 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.23 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.16 448.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 289.35 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 293.07 448.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 331.77 448.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 372.69 448.10 Td (we ) Tj ET Q q 0 0 0 rg BT 388.07 448.10 Td (have ) Tj ET Q q 0 0 0 rg BT 410.67 448.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 452.72 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.22 448.10 Td (this ) Tj ET Q q 0 0 0 rg BT 482.39 448.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 512.76 448.10 Td (report ) Tj ET Q q 0 0 0 rg BT 540.36 448.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 95.26 436.10 Td (such ) Tj ET Q q 0 0 0 rg BT 116.09 436.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 161.28 436.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.78 436.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 201.26 436.10 Td (measures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 418.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 79.26 418.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 114.50 418.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 135.87 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 145.58 418.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 178.60 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 189.98 418.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 240.78 418.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 282.42 418.10 Td (less ) Tj ET Q q 0 0 0 rg BT 300.46 418.10 Td (mer) Tj ET Q q 0 0 0 rg BT 315.83 418.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 331.64 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 349.12 418.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 396.04 418.10 Td (related ) Tj ET Q q 0 0 0 rg BT 426.28 418.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 467.92 418.10 Td (other ) Tj ET Q q 0 0 0 rg BT 491.51 418.10 Td (real ) Tj ET Q q 0 0 0 rg BT 509.54 418.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 535.34 418.10 Td (owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 88.46 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.27 406.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 158.17 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.86 406.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 211.22 406.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 239.41 406.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 271.77 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 284.14 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 299.83 406.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 339.96 406.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 376.47 406.10 Td (which ) Tj ET Q q 0 0 0 rg BT 403.27 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 412.31 406.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 436.33 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.47 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 461.05 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 492.85 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 524.65 406.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 543.69 406.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.83 394.10 Td (income ) Tj ET Q q 0 0 0 rg BT 113.67 394.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 155.50 394.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 179.00 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.84 394.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 222.13 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 234.53 394.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 256.37 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.10 394.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 309.76 394.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 333.27 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.11 394.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 376.40 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 388.79 394.10 Td (other ) Tj ET Q q 0 0 0 rg BT 411.74 394.10 Td (real ) Tj ET Q q 0 0 0 rg BT 429.13 394.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 454.29 394.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 483.35 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.18 394.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 519.80 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 532.20 394.10 Td (bar) Tj ET Q q 0 0 0 rg BT 544.79 394.10 Td (gain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (purchase. ) Tj ET Q q 0 0 0 rg BT 90.38 382.10 Td (In ) Tj ET Q q 0 0 0 rg BT 101.05 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 116.72 382.10 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 159.34 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.89 382.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 224.01 382.10 Td (made ) Tj ET Q q 0 0 0 rg BT 248.01 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 258.13 382.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 298.23 382.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 332.22 382.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 356.77 382.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 395.22 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.00 382.10 Td (analysts ) Tj ET Q q 0 0 0 rg BT 446.56 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.68 382.10 Td (better ) Tj ET Q q 0 0 0 rg BT 481.79 382.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 508.57 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 524.24 382.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 88.93 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 99.54 370.10 Td (relation ) Tj ET Q q 0 0 0 rg BT 132.92 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 143.53 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 159.69 370.10 Td (core ) Tj ET Q q 0 0 0 rg BT 179.74 370.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 220.33 370.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 254.81 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 267.65 370.10 Td (removing ) Tj ET Q q 0 0 0 rg BT 308.80 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.85 370.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 362.80 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 380.62 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 390.13 370.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 434.06 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 454.67 370.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 484.70 370.10 Td (one-time ) Tj ET Q q 0 0 0 rg BT 523.08 370.10 Td (items ) Tj ET Q q 0 0 0 rg BT 547.58 370.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.05 358.10 Td (discrete ) Tj ET Q q 0 0 0 rg BT 106.64 358.10 Td (items ) Tj ET Q q 0 0 0 rg BT 130.81 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 148.30 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 163.01 358.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 202.71 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 212.99 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 228.82 358.10 Td (core ) Tj ET Q q 0 0 0 rg BT 248.53 358.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 340.10 Td (angible ) Tj ET Q q 0 0 0 rg BT 106.67 340.10 Td (common ) Tj ET Q q 0 0 0 rg BT 143.49 340.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 170.32 340.10 Td (is ) Tj ET Q q 0 0 0 rg BT 178.81 340.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 210.63 340.10 Td (as ) Tj ET Q q 0 0 0 rg BT 220.79 340.10 Td (total ) Tj ET Q q 0 0 0 rg BT 240.39 340.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 293.51 340.10 Td ( ) Tj ET Q q 0 0 0 rg BT 295.34 340.10 Td (equity) Tj ET Q q 0 0 0 rg BT 319.68 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 324.01 340.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 365.27 340.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 403.74 340.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 429.17 340.10 Td (less ) Tj ET Q q 0 0 0 rg BT 446.00 340.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 483.38 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.65 340.10 Td (other ) Tj ET Q q 0 0 0 rg BT 522.03 340.10 Td (intangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 78.05 328.10 Td (W) Tj ET Q q 0 0 0 rg BT 86.69 328.10 Td (e ) Tj ET Q q 0 0 0 rg BT 93.52 328.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 124.78 328.10 Td (that ) Tj ET Q q 0 0 0 rg BT 142.17 328.10 Td (this ) Tj ET Q q 0 0 0 rg BT 159.01 328.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 194.72 328.10 Td (is ) Tj ET Q q 0 0 0 rg BT 203.78 328.10 Td (important ) Tj ET Q q 0 0 0 rg BT 245.06 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 255.23 328.10 Td (many ) Tj ET Q q 0 0 0 rg BT 279.84 328.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 318.34 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 328.51 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.12 328.10 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 394.37 328.10 Td (who ) Tj ET Q q 0 0 0 rg BT 413.98 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 428.58 328.10 Td (interested ) Tj ET Q q 0 0 0 rg BT 469.85 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.02 328.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 514.62 328.10 Td (from ) Tj ET Q q 0 0 0 rg BT 536.45 328.10 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.01 316.10 Td (period ) Tj ET Q q 0 0 0 rg BT 87.78 316.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.79 316.10 Td (common ) Tj ET Q q 0 0 0 rg BT 135.01 316.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 188.14 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 190.36 316.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 217.59 316.10 Td (exclusive ) Tj ET Q q 0 0 0 rg BT 257.58 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.14 316.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 302.57 316.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.58 316.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 354.80 316.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 382.85 316.10 Td (Goodwill, ) Tj ET Q q 0 0 0 rg BT 425.36 316.10 Td (an ) Tj ET Q q 0 0 0 rg BT 437.03 316.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 479.25 316.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 500.91 316.10 Td (that ) Tj ET Q q 0 0 0 rg BT 518.14 316.10 Td (is ) Tj ET Q q 0 0 0 rg BT 527.03 316.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.05 304.10 Td (a ) Tj ET Q q 0 0 0 rg BT 66.76 304.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 104.57 304.10 Td (business ) Tj ET Q q 0 0 0 rg BT 140.73 304.10 Td (combination, ) Tj ET Q q 0 0 0 rg BT 195.50 304.10 Td (has ) Tj ET Q q 0 0 0 rg BT 211.10 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.59 304.10 Td (ef) Tj ET Q q 0 0 0 rg BT 233.17 304.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 250.43 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.03 304.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 304.40 304.10 Td (both ) Tj ET Q q 0 0 0 rg BT 324.45 304.10 Td (common ) Tj ET Q q 0 0 0 rg BT 361.72 304.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 388.98 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.69 304.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 431.30 304.10 Td (while ) Tj ET Q q 0 0 0 rg BT 455.79 304.10 Td (not ) Tj ET Q q 0 0 0 rg BT 470.84 304.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 514.20 304.10 Td (our ) Tj ET Q q 0 0 0 rg BT 529.80 304.10 Td (tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.50 292.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 114.99 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 125.82 292.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 160.53 292.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 274.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 274.10 Td (angible ) Tj ET Q q 0 0 0 rg BT 107.83 274.10 Td (common ) Tj ET Q q 0 0 0 rg BT 145.81 274.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 173.78 274.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 195.09 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 204.75 274.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 237.71 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 249.03 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.23 274.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 285.54 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.85 274.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 332.05 274.10 Td (common ) Tj ET Q q 0 0 0 rg BT 370.02 274.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 398.00 274.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 430.98 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 443.96 274.10 Td (total ) Tj ET Q q 0 0 0 rg BT 464.72 274.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 491.04 274.10 Td (less ) Tj ET Q q 0 0 0 rg BT 509.02 274.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 547.56 274.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (other ) Tj ET Q q 0 0 0 rg BT 72.27 262.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 113.99 262.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 141.42 262.10 Td (W) Tj ET Q q 0 0 0 rg BT 150.06 262.10 Td (e ) Tj ET Q q 0 0 0 rg BT 156.22 262.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 186.82 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 203.54 262.10 Td (this ) Tj ET Q q 0 0 0 rg BT 219.71 262.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 254.75 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 263.15 262.10 Td (important ) Tj ET Q q 0 0 0 rg BT 303.75 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.26 262.10 Td (many ) Tj ET Q q 0 0 0 rg BT 337.20 262.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 375.03 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 384.53 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.48 262.10 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 449.06 262.10 Td (who ) Tj ET Q q 0 0 0 rg BT 468.01 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 481.94 262.10 Td (interested ) Tj ET Q q 0 0 0 rg BT 522.53 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.04 262.10 Td (relative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.64 250.10 Td (from ) Tj ET Q q 0 0 0 rg BT 106.52 250.10 Td (period ) Tj ET Q q 0 0 0 rg BT 134.50 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.71 250.10 Td (period ) Tj ET Q q 0 0 0 rg BT 172.70 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 182.91 250.10 Td (common ) Tj ET Q q 0 0 0 rg BT 220.34 250.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 247.77 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.64 250.10 Td (total ) Tj ET Q q 0 0 0 rg BT 284.85 250.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 313.12 250.10 Td (each ) Tj ET Q q 0 0 0 rg BT 333.87 250.10 Td (exclusive ) Tj ET Q q 0 0 0 rg BT 374.07 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.83 250.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 419.48 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 429.69 250.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 472.12 250.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 500.21 250.10 Td (W) Tj ET Q q 0 0 0 rg BT 508.84 250.10 Td (e ) Tj ET Q q 0 0 0 rg BT 515.72 250.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 547.03 250.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 238.10 Td (most ) Tj ET Q q 0 0 0 rg BT 86.67 238.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 119.71 238.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 168.85 238.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 195.70 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 198.20 238.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 235.68 238.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 271.50 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 280.67 238.10 Td (total ) Tj ET Q q 0 0 0 rg BT 300.94 238.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 354.07 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 356.57 238.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 384.06 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.34 238.10 Td (total ) Tj ET Q q 0 0 0 rg BT 414.61 238.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 220.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 220.10 Td (angible ) Tj ET Q q 0 0 0 rg BT 107.17 220.10 Td (book ) Tj ET Q q 0 0 0 rg BT 129.50 220.10 Td (value ) Tj ET Q q 0 0 0 rg BT 153.48 220.10 Td (per ) Tj ET Q q 0 0 0 rg BT 168.58 220.10 Td (share ) Tj ET Q q 0 0 0 rg BT 192.01 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 201.00 220.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 233.32 220.10 Td (as ) Tj ET Q q 0 0 0 rg BT 243.98 220.10 Td (book ) Tj ET Q q 0 0 0 rg BT 266.30 220.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 292.79 220.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 334.55 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.09 220.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 378.63 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.29 220.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 427.18 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.94 220.10 Td (other ) Tj ET Q q 0 0 0 rg BT 466.82 220.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 509.14 220.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 537.30 220.10 Td (if ) Tj ET Q q 0 0 0 rg BT 545.73 220.10 Td (any) Tj ET Q q 0 0 0 rg BT 559.52 220.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 82.50 208.10 Td (by ) Tj ET Q q 0 0 0 rg BT 95.00 208.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 122.49 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.32 208.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.15 208.10 Td (common ) Tj ET Q q 0 0 0 rg BT 186.64 208.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 210.25 208.10 Td (outstanding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 190.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 190.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.91 190.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 127.05 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 136.22 190.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 168.71 190.10 Td (as ) Tj ET Q q 0 0 0 rg BT 179.54 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.25 190.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 213.42 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.25 190.10 Td (net ) Tj ET Q q 0 0 0 rg BT 238.97 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 270.90 190.10 Td (income ) Tj ET Q q 0 0 0 rg BT 302.84 190.10 Td (before ) Tj ET Q q 0 0 0 rg BT 330.87 190.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 371.15 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 381.98 190.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 401.70 190.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 428.09 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.03 190.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 491.96 190.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 172.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 100.04 172.10 Td (on ) Tj ET Q q 0 0 0 rg BT 112.86 172.10 Td (average ) Tj ET Q q 0 0 0 rg BT 146.76 172.10 Td (common ) Tj ET Q q 0 0 0 rg BT 184.58 172.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 237.70 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 240.52 172.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 268.33 172.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.82 172.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 310.63 172.10 Td (as ) Tj ET Q q 0 0 0 rg BT 321.78 172.10 Td (net ) Tj ET Q q 0 0 0 rg BT 336.82 172.10 Td (income ) Tj ET Q q 0 0 0 rg BT 369.07 172.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 417.43 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.02 172.10 Td (common ) Tj ET Q q 0 0 0 rg BT 465.84 172.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 519.20 172.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 552.01 172.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (total ) Tj ET Q q 0 0 0 rg BT 70.27 160.10 Td (average ) Tj ET Q q 0 0 0 rg BT 103.86 160.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 156.98 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.48 160.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 186.98 160.10 Td (less ) Tj ET Q q 0 0 0 rg BT 204.48 160.10 Td (average ) Tj ET Q q 0 0 0 rg BT 238.06 160.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 277.20 160.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 303.31 160.10 Td (if ) Tj ET Q q 0 0 0 rg BT 311.91 160.10 Td (any) Tj ET Q q 0 0 0 rg BT 325.70 160.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.98 142.10 Td (information ) Tj ET Q q 0 0 0 rg BT 137.63 142.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 175.62 142.10 Td (below ) Tj ET Q q 0 0 0 rg BT 202.49 142.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 237.70 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.57 142.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 301.98 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 312.75 142.10 Td (each ) Tj ET Q q 0 0 0 rg BT 333.50 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.27 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 360.03 142.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 405.22 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 407.66 142.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 445.07 142.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 484.72 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.93 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.58 142.10 Td (most ) Tj ET Q q 0 0 0 rg BT 531.47 142.10 Td (directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 99.14 130.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 126.00 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.50 130.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 165.98 130.10 Td (measure.) 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 (32) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 748.5 m 346.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 735.5 m 346.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 748.5 m 350.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 735.5 m 350.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 748.5 m 400.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 735.5 m 400.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 748.5 m 404.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 735.5 m 404.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 748.5 m 454.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 735.5 m 454.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 748.5 m 458.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 735.5 m 458.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 748.5 m 508.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 735.5 m 508.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 748.5 m 512.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 735.5 m 512.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 748.5 m 562.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 722.5 m 346.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 722.5 m 400.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 722.5 m 454.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 722.5 m 508.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 722.5 m 562.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 657.5 m 346.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 657.5 m 400.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 657.5 m 454.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 657.5 m 508.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 657.5 m 562.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 645.5 m 346.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 643.5 m 346.5 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 645.5 m 400.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 643.5 m 400.5 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 645.5 m 454.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 643.5 m 454.5 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 645.5 m 508.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 643.5 m 508.5 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 645.5 m 562.5 645.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i 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[] 0 d 0 J 0 j 3 M 296.5 273.5 m 346.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 271.5 m 346.5 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 285.5 m 400.5 285.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 273.5 m 400.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 271.5 m 400.5 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 285.5 m 454.5 285.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 273.5 m 454.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 271.5 m 454.5 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 285.5 m 508.5 285.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 273.5 m 508.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 271.5 m 508.5 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 285.5 m 562.5 285.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 273.5 m 562.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 271.5 m 562.5 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 233.5 m 346.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 233.5 m 400.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 233.5 m 454.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 233.5 m 508.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 233.5 m 562.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 221.5 m 346.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 219.5 m 346.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 233.5 m 400.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 221.5 m 400.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 219.5 m 400.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 233.5 m 454.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 221.5 m 454.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 219.5 m 454.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 233.5 m 508.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 221.5 m 508.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 219.5 m 508.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 233.5 m 562.5 233.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 221.5 m 562.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 219.5 m 562.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 208.5 m 346.5 208.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 206.5 m 346.5 206.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 208.5 m 400.5 208.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 206.5 m 400.5 206.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 219.5 m 454.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 221.5 m 454.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 208.5 m 454.5 208.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 206.5 m 454.5 206.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 219.5 m 508.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 221.5 m 508.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 208.5 m 508.5 208.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 206.5 m 508.5 206.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 219.5 m 562.5 219.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 221.5 m 562.5 221.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 208.5 m 562.5 208.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 206.5 m 562.5 206.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 182.5 m 346.5 182.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 180.5 m 346.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 182.5 m 400.5 182.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 180.5 m 400.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 182.5 m 454.5 182.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 180.5 m 454.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 182.5 m 508.5 182.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 180.5 m 508.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 182.5 m 562.5 182.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 180.5 m 562.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 155.5 m 346.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 155.5 m 400.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 155.5 m 454.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 155.5 m 508.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 155.5 m 562.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 143.5 m 346.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 141.5 m 346.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 155.5 m 400.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 143.5 m 400.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 141.5 m 400.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 155.5 m 454.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 143.5 m 454.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 141.5 m 454.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 155.5 m 508.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 143.5 m 508.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 141.5 m 508.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 155.5 m 562.5 155.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 143.5 m 562.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 141.5 m 562.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 130.5 m 346.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 128.5 m 346.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 141.5 m 400.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 143.5 m 400.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 130.5 m 400.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 128.5 m 400.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 141.5 m 454.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 143.5 m 454.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 130.5 m 454.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 128.5 m 454.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 141.5 m 508.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 143.5 m 508.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 130.5 m 508.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 128.5 m 508.5 128.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 141.5 m 562.5 141.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 143.5 m 562.5 143.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 130.5 m 562.5 130.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 128.5 m 562.5 128.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.05 739.73 Td (Y) Tj ET Q q 0 0 0 rg BT 388.38 739.73 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 462.96 739.73 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 726.73 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.00 726.73 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 726.73 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 726.73 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 726.73 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 713.73 Td (Efficiency Ratio) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 700.75 Td (Noninterest expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 119.00 700.45 Td (.......................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 700.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 700.75 Td (35,633) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 700.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 700.75 Td (32,523) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 700.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 700.75 Td (29,544) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 700.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 700.75 Td (29,171) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 700.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 700.75 Td (25,812) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 687.75 Td (Less: foreclosed real estate expenses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 687.45 Td (.............................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 687.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 687.75 Td (70) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 687.75 Td (157) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.30 687.75 Td (168) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 687.75 Td (36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 674.75 Td (Less: ) Tj ET Q q 0 0 0 rg BT 71.67 674.75 Td (Amortization of Intangibles) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.00 674.45 Td (..................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 674.75 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.30 674.75 Td (1) Tj ET Q q 0 0 0 rg BT 385.30 674.75 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 674.75 Td (151) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.30 674.75 Td (196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 674.75 Td (133) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 661.75 Td (Less: mer) Tj ET Q q 0 0 0 rg BT 84.25 661.75 Td (ger and acquisition expenses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.00 661.45 Td (..........................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 661.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 661.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 661.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 661.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 661.75 Td (1,801) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 648.75 Td (Adjusted noninter) Tj ET Q q 0 0 0 rg BT 109.96 648.75 Td (est expense \(numerator\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.00 648.45 Td (....................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 648.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 648.75 Td (35,541) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 648.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 648.75 Td (32,335) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 648.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 648.75 Td (29,236) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 648.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 648.75 Td (28,805) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 648.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 648.75 Td (23,842) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 635.75 Td (Net interest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.00 635.45 Td (........................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 635.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 635.75 Td (56,326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 635.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 635.75 Td (54,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 635.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 635.75 Td (49,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 635.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 635.75 Td (42,788) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 635.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 635.75 Td (31,660) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 622.75 Td (Noninterest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.00 622.45 Td (........................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 622.75 Td (3,900) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 622.75 Td (4,629) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 622.75 Td (2,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 622.75 Td (3,484) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 622.75 Td (3,041) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 609.75 Td (Adjustments for: gains/\(losses\) on sales of securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.00 609.45 Td (....................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.30 609.75 Td (222) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.30 609.75 Td (165) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.60 609.75 Td (\(1) Tj ET Q q 0 0 0 rg BT 439.26 609.75 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.30 609.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 609.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 609.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 596.75 Td (Adjustments for: \(losses\) gains on sale of foreclosed real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.00 596.45 Td (...................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 596.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.60 596.75 Td (\(78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 596.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 596.75 Td (128) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 596.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 596.75 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 583.75 Td (Adjusted operating r) Tj ET Q q 0 0 0 rg BT 119.07 583.75 Td (evenue \(denominator\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.00 583.45 Td (...................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 583.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 583.75 Td (60,004) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 583.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 583.75 Td (58,906) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 583.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 583.75 Td (51,755) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 583.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 583.75 Td (46,272) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 583.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 583.75 Td (34,701) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 570.75 Td (Efficiency ratio) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 570.45 Td (...............................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 570.75 Td (59.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.30 570.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 570.75 Td (54.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 570.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 570.75 Td (56.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.30 570.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 570.75 Td (62.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 570.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 570.75 Td (68.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 570.75 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 557.73 Td (T) Tj ET Q q 0 0 0 rg BT 57.60 557.73 Td (angible Common Equity and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 549.73 Td (T) Tj ET Q q 0 0 0 rg BT 57.60 549.73 Td (angible Common Equity/T) Tj ET Q q 0 0 0 rg BT 148.00 549.73 Td (angible ) Tj ET Q q 0 0 0 rg BT 174.45 549.73 Td (Assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 536.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 536.75 Td (otal shareholders) Tj ET Q q 0 0 0 rg BT 114.12 536.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 536.45 Td (..............................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 536.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 536.75 Td (174,196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 536.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 536.75 Td (161,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 536.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 536.75 Td (145,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 536.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 536.75 Td (131,769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 536.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 536.75 Td (129,210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 523.75 Td (Less: preferred stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 121.00 523.45 Td (......................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 523.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 523.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 523.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 523.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 523.75 Td (10,980) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 510.75 Td (Common shar) Tj ET Q q 0 0 0 rg BT 97.97 510.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 127.59 510.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.00 510.45 Td (........................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 510.75 Td (174,196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 510.75 Td (161,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 510.75 Td (145,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 510.75 Td (131,769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 510.75 Td (1) Tj ET Q q 0 0 0 rg BT 533.25 510.75 Td (18,230) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 497.75 Td (Less: Intangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.00 497.45 Td (....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 497.75 Td (2,879) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 497.75 Td (2,971) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 497.75 Td (3,090) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 497.75 Td (3,241) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 497.75 Td (3,437) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 484.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 484.75 Td (angible Common shar) Tj ET Q q 0 0 0 rg BT 127.68 484.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 157.30 484.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 179.00 484.45 Td (.........................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 484.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 484.75 Td (171,317) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 484.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 484.75 Td (158,056) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 484.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 484.75 Td (142,805) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 484.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 484.75 Td (128,528) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 484.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 484.75 Td (1) Tj ET Q q 0 0 0 rg BT 533.25 484.75 Td (14,793) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 471.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 471.75 Td (otal assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.00 471.45 Td (.....................................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 471.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.25 471.75 Td (1,873,665) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 471.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.25 471.75 Td (1,796,607) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 471.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.25 471.75 Td (1,628,919) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 471.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 471.75 Td (1,330,372) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 471.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 471.75 Td (1,099,531) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 458.75 Td (Less: Intangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.00 458.45 Td (....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 458.75 Td (2,879) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 458.75 Td (2,971) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 458.75 Td (3,090) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 458.75 Td (3,241) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 458.75 Td (3,437) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 445.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 445.75 Td (angible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 445.45 Td (...............................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 445.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.25 445.75 Td (1,870,786) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 445.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.25 445.75 Td (1,793,636) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 445.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.25 445.75 Td (1,625,829) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 445.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 445.75 Td (1,327,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 445.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 445.75 Td (1,096,094) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 432.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 432.75 Td (angible common shar) Tj ET Q q 0 0 0 rg BT 125.89 432.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 155.52 432.75 Td ( equity to tangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.00 432.45 Td (.............................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 432.75 Td (9.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.30 432.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 432.75 Td (8.81) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 432.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 432.75 Td (8.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.30 432.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 432.75 Td (9.68) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 432.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 432.75 Td (10.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 432.75 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 419.73 Td (T) Tj ET Q q 0 0 0 rg BT 57.97 419.73 Td (angible Book ) Tj ET Q q 0 0 0 rg BT 104.21 419.73 Td (V) Tj ET Q q 0 0 0 rg BT 109.55 419.73 Td (alue per) Tj ET Q q 0 0 0 rg BT 136.88 419.73 Td ( Shar) Tj ET Q q 0 0 0 rg BT 155.19 419.73 Td (e) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 406.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 406.75 Td (otal shar) Tj ET Q q 0 0 0 rg BT 85.24 406.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 114.86 406.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 406.45 Td (..............................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 406.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 406.75 Td (174,196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 406.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 406.75 Td (161,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 406.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 406.75 Td (145,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 406.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 406.75 Td (131,769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 406.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 406.75 Td (129,210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 393.75 Td (Less: preferred stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 121.00 393.45 Td (......................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 393.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 393.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 393.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 393.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 393.75 Td (10,980) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 380.75 Td (Common shar) Tj ET Q q 0 0 0 rg BT 97.97 380.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 127.59 380.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.00 380.45 Td (........................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 380.75 Td (174,196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 380.75 Td (161,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 380.75 Td (145,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 380.75 Td (131,769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 380.75 Td (1) Tj ET Q q 0 0 0 rg BT 533.25 380.75 Td (18,230) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 367.75 Td (Less: Intangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.00 367.45 Td (....................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 367.75 Td (2,879) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 367.75 Td (2,971) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 367.75 Td (3,090) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 367.75 Td (3,241) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 367.75 Td (3,437) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 354.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 354.75 Td (angible common shar) Tj ET Q q 0 0 0 rg BT 125.89 354.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 155.52 354.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.00 354.45 Td (..........................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 354.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 354.75 Td (171,317) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 354.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 354.75 Td (158,056) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 354.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 354.75 Td (142,805) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 354.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 354.75 Td (128,528) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 354.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 354.75 Td (1) Tj ET Q q 0 0 0 rg BT 533.25 354.75 Td (14,793) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 341.75 Td (Common shares issued) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.00 341.45 Td (...................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.25 341.75 Td (7,842,271) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.25 341.75 Td (7,751,424) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.25 341.75 Td (7,620,663) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 341.75 Td (7,516,291) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 341.75 Td (7,185,482) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 328.75 Td (Less: shares of unvested restricted stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.00 328.45 Td (.......................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 328.75 Td (77,624) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 328.75 Td (75,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 328.75 Td (96,594) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 328.75 Td (143,323) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 328.75 Td (165,862) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 315.75 Td (Common shar) Tj ET Q q 0 0 0 rg BT 97.97 315.75 Td (es outstanding) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.00 315.45 Td (..........................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.25 315.75 Td (7,764,647) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.25 315.75 Td (7,676,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.25 315.75 Td (7,524,069) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 315.75 Td (7,372,968) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 315.75 Td (7,019,620) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 302.75 Td (Book value per share) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 121.00 302.45 Td (......................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 302.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 302.75 Td (22.43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 302.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 302.75 Td (20.98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 302.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 302.75 Td (19.39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 302.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 302.75 Td (17.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 302.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 302.75 Td (16.84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 289.75 Td (Less: ef) Tj ET Q q 0 0 0 rg BT 78.03 289.75 Td (fects of intangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.00 289.45 Td (....................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 289.75 Td (0.37) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 289.75 Td (0.39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 289.75 Td (0.41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 289.75 Td (0.44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 289.75 Td (0.49) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 276.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 276.75 Td (angible Book V) Tj ET Q q 0 0 0 rg BT 105.59 276.75 Td (alue per Common Shar) Tj ET Q q 0 0 0 rg BT 179.44 276.75 Td (e) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.00 276.45 Td (.......................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 276.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 276.75 Td (22.06) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 276.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 276.75 Td (20.59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 276.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 276.75 Td (18.98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 276.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 276.75 Td (17.43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 276.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 276.75 Td (16.35) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 263.73 Td (T) Tj ET Q q 0 0 0 rg BT 57.97 263.73 Td (otal Revenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 250.75 Td (Net Interest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.00 250.45 Td (........................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 250.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 250.75 Td (56,326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 250.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 250.75 Td (54,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 250.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 250.75 Td (49,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 250.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 250.75 Td (42,788) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 250.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 250.75 Td (31,660) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 237.75 Td (Add: noninterest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 133.00 237.45 Td (................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 237.75 Td (3,900) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 237.75 Td (4,629) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 237.75 Td (2,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 237.75 Td (3,484) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 237.75 Td (3,041) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 224.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.08 224.75 Td (otal Revenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 99.00 224.45 Td (.................................................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 224.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 224.75 Td (60,226) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 224.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 224.75 Td (58,993) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 224.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 224.75 Td (51,768) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 224.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 224.75 Td (46,272) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 224.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 224.75 Td (34,701) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 211.75 Td (Noninter) Tj ET Q q 0 0 0 rg BT 81.30 211.75 Td (est income as aper) Tj ET Q q 0 0 0 rg BT 142.77 211.75 Td (centage of total r) Tj ET Q q 0 0 0 rg BT 197.35 211.75 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.00 211.45 Td (....................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 211.75 Td (6.48) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.30 211.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 211.75 Td (7.85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 211.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 211.75 Td (5.17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.30 211.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 211.75 Td (7.53) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 211.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 211.75 Td (8.76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 211.75 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 198.73 Td (Return on ) Tj ET Q q 0 0 0 rg BT 89.45 198.73 Td (A) Tj ET Q q 0 0 0 rg BT 94.63 198.73 Td (verage Common Shar) Tj ET Q q 0 0 0 rg BT 169.14 198.73 Td (eholders) Tj ET Q q 0 0 0 rg BT 200.10 198.73 Td ( Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 185.75 Td (Net Income ) Tj ET Q q 0 0 0 rg BT 92.32 185.75 Td (Attributable to Common Shareholders) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.00 185.45 Td (.......................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 185.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 185.75 Td (17,433) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 185.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 185.75 Td (13,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 185.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 185.75 Td (12,350) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 185.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 185.75 Td (8,905) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 185.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 185.75 Td (4,458) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 172.75 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 172.75 Td (otal average shareholders) Tj ET Q q 0 0 0 rg BT 140.99 172.75 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.00 172.45 Td (.................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 172.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 172.75 Td (171,024) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 172.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 172.75 Td (154,929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 172.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 172.75 Td (138,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 172.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 172.75 Td (133,553) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 172.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 172.75 Td (97,921) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 159.75 Td (Less: average preferred stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.00 159.45 Td (.........................................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 159.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 159.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 159.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 159.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 159.75 Td (10,980) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 146.75 Td (A) Tj ET Q q 0 0 0 rg BT 57.67 146.75 Td (verage Common Shar) Tj ET Q q 0 0 0 rg BT 127.07 146.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 156.69 146.75 Td ( Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.00 146.45 Td (........................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.25 146.75 Td (171,024) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 146.75 Td (154,929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 146.75 Td (138,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.25 146.75 Td (133,553) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 146.75 Td (86,941) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 133.75 Td (Return on ) Tj ET Q q 0 0 0 rg BT 86.63 133.75 Td (A) Tj ET Q q 0 0 0 rg BT 91.07 133.75 Td (verage Common Shar) Tj ET Q q 0 0 0 rg BT 160.55 133.75 Td (eholders) Tj ET Q q 0 0 0 rg BT 189.88 133.75 Td ( Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 133.45 Td (........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 133.75 Td (10.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.30 133.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 133.75 Td (8.93) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 133.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 133.75 Td (8.94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.30 133.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 133.75 Td (6.67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 133.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 133.75 Td (5.13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 133.75 Td (%) 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 (33) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item7. ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (Management) Tj ET Q q 0 0 0 rg BT 163.06 742.25 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 235.04 742.25 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 724.25 Td (This ) Tj ET Q q 0 0 0 rg BT 87.02 724.25 Td (section ) Tj ET Q q 0 0 0 rg BT 117.14 724.25 Td (pr) Tj ET Q q 0 0 0 rg BT 125.66 724.25 Td (esents ) Tj ET Q q 0 0 0 rg BT 151.90 724.25 Td (management) Tj ET Q q 0 0 0 rg BT 205.04 724.25 Td (s ) Tj ET Q q 0 0 0 rg BT 210.72 724.25 Td (perspective ) Tj ET Q q 0 0 0 rg BT 258.05 724.25 Td (on ) Tj ET Q q 0 0 0 rg BT 269.84 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 285.52 724.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 322.87 724.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 362.44 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.23 724.25 Td (r) Tj ET Q q 0 0 0 rg BT 382.75 724.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 407.32 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 416.89 724.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 463.97 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 480.76 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 520.34 724.25 Td (discussion ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.70 712.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 103.19 712.25 Td (should ) Tj ET Q q 0 0 0 rg BT 132.56 712.25 Td (be ) Tj ET Q q 0 0 0 rg BT 144.70 712.25 Td (r) Tj ET Q q 0 0 0 rg BT 148.22 712.25 Td (ead ) Tj ET Q q 0 0 0 rg BT 165.37 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 175.85 712.25 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 225.76 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 245.70 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.62 712.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 314.42 712.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 352.68 712.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 397.60 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 415.30 712.25 Td (r) Tj ET Q q 0 0 0 rg BT 418.83 712.25 Td (elated ) Tj ET Q q 0 0 0 rg BT 445.96 712.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 469.78 712.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 511.91 712.25 Td (elsewher) Tj ET Q q 0 0 0 rg BT 547.09 712.25 Td (e ) Tj ET Q q 0 0 0 rg BT 554.23 712.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (this ) Tj ET Q q 0 0 0 rg BT 66.44 700.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 96.21 700.25 Td (r) Tj ET Q q 0 0 0 rg BT 99.73 700.25 Td (eport. ) Tj ET Q q 0 0 0 rg BT 125.34 700.25 Td (T) Tj ET Q q 0 0 0 rg BT 129.98 700.25 Td (o ) Tj ET Q q 0 0 0 rg BT 136.97 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.18 700.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 177.05 700.25 Td (that ) Tj ET Q q 0 0 0 rg BT 194.60 700.25 Td (this ) Tj ET Q q 0 0 0 rg BT 211.04 700.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 254.71 700.25 Td (describes ) Tj ET Q q 0 0 0 rg BT 294.47 700.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 317.02 700.25 Td (performance, ) Tj ET Q q 0 0 0 rg BT 372.62 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.83 700.25 Td (descriptions ) Tj ET Q q 0 0 0 rg BT 437.71 700.25 Td (r) Tj ET Q q 0 0 0 rg BT 441.23 700.25 Td (elate ) Tj ET Q q 0 0 0 rg BT 462.65 700.25 Td (only ) Tj ET Q q 0 0 0 rg BT 481.86 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 491.64 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.85 700.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 537.84 700.25 Td (listed, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.44 688.25 Td (may ) Tj ET Q q 0 0 0 rg BT 95.64 688.25 Td (not ) Tj ET Q q 0 0 0 rg BT 110.97 688.25 Td (be ) Tj ET Q q 0 0 0 rg BT 122.96 688.25 Td (indicative ) Tj ET Q q 0 0 0 rg BT 164.94 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 175.26 688.25 Td (futur) Tj ET Q q 0 0 0 rg BT 194.34 688.25 Td (e ) Tj ET Q q 0 0 0 rg BT 201.33 688.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 239.43 688.25 Td (outcomes. ) Tj ET Q q 0 0 0 rg BT 282.25 688.25 Td (In ) Tj ET Q q 0 0 0 rg BT 293.13 688.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 329.01 688.25 Td (to ) Tj ET Q q 0 0 0 rg BT 339.34 688.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 380.22 688.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 432.50 688.25 Td (this ) Tj ET Q q 0 0 0 rg BT 449.49 688.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 493.71 688.25 Td (contains ) Tj ET Q q 0 0 0 rg BT 530.15 688.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 557.01 688.25 Td (d ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (looking ) Tj ET Q q 0 0 0 rg BT 81.52 676.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 125.26 676.25 Td (that ) Tj ET Q q 0 0 0 rg BT 142.34 676.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 172.73 676.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 195.65 676.25 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 249.38 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.91 676.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 316.88 676.25 Td (that ) Tj ET Q q 0 0 0 rg BT 333.96 676.25 Td (could ) Tj ET Q q 0 0 0 rg BT 357.71 676.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 382.00 676.25 Td (r) Tj ET Q q 0 0 0 rg BT 385.52 676.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 409.82 676.25 Td (to ) Tj ET Q q 0 0 0 rg BT 419.12 676.25 Td (differ ) Tj ET Q q 0 0 0 rg BT 442.31 676.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 484.94 676.25 Td (fr) Tj ET Q q 0 0 0 rg BT 491.24 676.25 Td (om ) Tj ET Q q 0 0 0 rg BT 504.98 676.25 Td (management) Tj ET Q q 0 0 0 rg BT 558.12 676.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 104.46 664.25 Td (Factors ) Tj ET Q q 0 0 0 rg BT 137.54 664.25 Td (that ) Tj ET Q q 0 0 0 rg BT 155.08 664.25 Td (could ) Tj ET Q q 0 0 0 rg BT 179.27 664.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 204.01 664.25 Td (such ) Tj ET Q q 0 0 0 rg BT 224.32 664.25 Td (differ) Tj ET Q q 0 0 0 rg BT 245.61 664.25 Td (ences ) Tj ET Q q 0 0 0 rg BT 269.80 664.25 Td (ar) Tj ET Q q 0 0 0 rg BT 278.32 664.25 Td (e ) Tj ET Q q 0 0 0 rg BT 284.73 664.25 Td (discussed ) Tj ET Q q 0 0 0 rg BT 325.04 664.25 Td (in ) Tj ET Q q 0 0 0 rg BT 334.79 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.99 664.25 Td (sections ) Tj ET Q q 0 0 0 rg BT 383.18 664.25 Td (titled ) Tj ET Q q 0 0 0 rg BT 405.71 664.25 Td (Cautionary ) Tj ET Q q 0 0 0 rg BT 458.80 664.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 479.67 664.25 Td (Regar) Tj ET Q q 0 0 0 rg BT 503.74 664.25 Td (ding ) Tj ET Q q 0 0 0 rg BT 523.49 664.25 Td (Forwar) Tj ET Q q 0 0 0 rg BT 553.68 664.25 Td (d-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Looking ) Tj ET Q q 0 0 0 rg BT 85.28 652.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 136.67 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.17 652.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 179.44 652.25 Td (Factors. ) Tj ET Q q 0 0 0 rg BT 221.11 652.25 Td (W) Tj ET Q q 0 0 0 rg BT 228.53 652.25 Td (e ) Tj ET Q q 0 0 0 rg BT 235.46 652.25 Td (assume ) Tj ET Q q 0 0 0 rg BT 267.41 652.25 Td (no ) Tj ET Q q 0 0 0 rg BT 279.91 652.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 323.52 652.25 Td (to ) Tj ET Q q 0 0 0 rg BT 333.80 652.25 Td (update ) Tj ET Q q 0 0 0 rg BT 363.52 652.25 Td (any ) Tj ET Q q 0 0 0 rg BT 380.45 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 390.73 652.25 Td (these ) Tj ET Q q 0 0 0 rg BT 413.78 652.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 440.64 652.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 481.46 652.25 Td (statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 616.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 110.41 616.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 149.71 616.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 179.85 616.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 197.21 616.25 Td (is ) Tj ET Q q 0 0 0 rg BT 205.96 616.25 Td (a ) Tj ET Q q 0 0 0 rg BT 212.49 616.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 234.02 616.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 266.66 616.25 Td (company ) Tj ET Q q 0 0 0 rg BT 305.40 616.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 364.12 616.25 Td (in ) Tj ET Q q 0 0 0 rg BT 373.99 616.25 Td (New ) Tj ET Q q 0 0 0 rg BT 394.96 616.25 Td (Canaan, ) Tj ET Q q 0 0 0 rg BT 429.53 616.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 482.29 616.25 Td (Through ) Tj ET Q q 0 0 0 rg BT 518.81 616.25 Td (our ) Tj ET Q q 0 0 0 rg BT 534.23 616.25 Td (wholly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 78.30 604.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 118.76 604.25 Td (, ) Tj ET Q q 0 0 0 rg BT 122.90 604.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 162.87 604.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 188.12 604.25 Td (we ) Tj ET Q q 0 0 0 rg BT 201.42 604.25 Td (serve ) Tj ET Q q 0 0 0 rg BT 224.16 604.25 Td (small ) Tj ET Q q 0 0 0 rg BT 247.47 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 263.55 604.25 Td (medium-sized ) Tj ET Q q 0 0 0 rg BT 321.84 604.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 365.71 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.79 604.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 403.97 604.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 446.16 604.25 Td (in ) Tj ET Q q 0 0 0 rg BT 455.58 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.44 604.25 Td (New ) Tj ET Q q 0 0 0 rg BT 489.72 604.25 Td (Y) Tj ET Q q 0 0 0 rg BT 495.94 604.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 510.91 604.25 Td (metropolitan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (area ) Tj ET Q q 0 0 0 rg BT 69.56 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 86.91 592.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 133.72 592.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 184.95 592.25 Td (with ) Tj ET Q q 0 0 0 rg BT 205.64 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 220.78 592.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 257.57 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.82 592.25 Td (our ) Tj ET Q q 0 0 0 rg BT 285.06 592.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 309.09 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 319.78 592.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 357.13 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.48 592.25 Td (New ) Tj ET Q q 0 0 0 rg BT 396.28 592.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 425.29 592.25 Td (Counties, ) Tj ET Q q 0 0 0 rg BT 466.26 592.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 519.79 592.25 Td (W) Tj ET Q q 0 0 0 rg BT 528.43 592.25 Td (e ) Tj ET Q q 0 0 0 rg BT 535.78 592.25 Td (have ) Tj ET Q q 0 0 0 rg BT 557.57 592.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (history ) Tj ET Q q 0 0 0 rg BT 79.73 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 90.02 580.25 Td (building ) Tj ET Q q 0 0 0 rg BT 125.31 580.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 166.70 580.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 205.31 580.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 258.36 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 274.76 580.25 Td (attracting ) Tj ET Q q 0 0 0 rg BT 314.47 580.25 Td (new ) Tj ET Q q 0 0 0 rg BT 333.08 580.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 375.59 580.25 Td (through ) Tj ET Q q 0 0 0 rg BT 408.65 580.25 Td (what ) Tj ET Q q 0 0 0 rg BT 430.04 580.25 Td (we ) Tj ET Q q 0 0 0 rg BT 443.66 580.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 474.48 580.25 Td (is ) Tj ET Q q 0 0 0 rg BT 483.11 580.25 Td (our ) Tj ET Q q 0 0 0 rg BT 498.39 580.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 525.35 580.25 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (service ) Tj ET Q q 0 0 0 rg BT 80.82 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 97.75 568.25 Td (our ) Tj ET Q q 0 0 0 rg BT 113.58 568.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 141.64 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 151.91 568.25 Td (deliver ) Tj ET Q q 0 0 0 rg BT 182.18 568.25 Td (a ) Tj ET Q q 0 0 0 rg BT 189.12 568.25 Td (diverse ) Tj ET Q q 0 0 0 rg BT 220.49 568.25 Td (product ) Tj ET Q q 0 0 0 rg BT 253.54 568.25 Td (of) Tj ET Q q 0 0 0 rg BT 261.69 568.25 Td (fering.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 550.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.82 550.25 Td (following ) Tj ET Q q 0 0 0 rg BT 130.98 550.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 175.93 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 193.64 550.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 229.13 550.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 265.17 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 281.77 550.25 Td (results ) Tj ET Q q 0 0 0 rg BT 311.16 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 322.76 550.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 367.69 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 385.40 550.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 423.66 550.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 464.70 550.25 Td (on ) Tj ET Q q 0 0 0 rg BT 477.98 550.25 Td (a ) Tj ET Q q 0 0 0 rg BT 485.69 550.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 539.51 550.25 Td (basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (However) Tj ET Q q 0 0 0 rg BT 86.25 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 91.92 538.25 Td (because ) Tj ET Q q 0 0 0 rg BT 126.73 538.25 Td (we ) Tj ET Q q 0 0 0 rg BT 141.55 538.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 176.37 538.25 Td (all ) Tj ET Q q 0 0 0 rg BT 189.53 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.03 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 217.52 538.25 Td (material ) Tj ET Q q 0 0 0 rg BT 253.45 538.25 Td (business ) Tj ET Q q 0 0 0 rg BT 290.51 538.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 335.33 538.25 Td (through ) Tj ET Q q 0 0 0 rg BT 369.60 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 384.98 538.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 411.76 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 427.14 538.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 471.98 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 489.58 538.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 524.96 538.25 Td (relates ) Tj ET Q q 0 0 0 rg BT 554.22 538.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 88.60 526.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 128.31 526.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 171.90 526.25 Td (at ) Tj ET Q q 0 0 0 rg BT 181.62 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.34 526.25 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 508.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 508.25 Td (e ) Tj ET Q q 0 0 0 rg BT 86.28 508.25 Td (generate ) Tj ET Q q 0 0 0 rg BT 123.35 508.25 Td (most ) Tj ET Q q 0 0 0 rg BT 146.00 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 157.54 508.25 Td (our ) Tj ET Q q 0 0 0 rg BT 174.07 508.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 208.93 508.25 Td (from ) Tj ET Q q 0 0 0 rg BT 231.57 508.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 264.21 508.25 Td (on ) Tj ET Q q 0 0 0 rg BT 277.41 508.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 301.73 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.37 508.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 370.35 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 388.00 508.25 Td (fee-based ) Tj ET Q q 0 0 0 rg BT 429.51 508.25 Td (revenues. ) Tj ET Q q 0 0 0 rg BT 470.75 508.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 489.51 508.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 524.37 508.25 Td (source ) Tj ET Q q 0 0 0 rg BT 553.67 508.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 83.78 496.25 Td (for ) Tj ET Q q 0 0 0 rg BT 98.10 496.25 Td (our ) Tj ET Q q 0 0 0 rg BT 114.10 496.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 137.88 496.25 Td (is ) Tj ET Q q 0 0 0 rg BT 147.21 496.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 185.16 496.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 203.38 496.25 Td (lar) Tj ET Q q 0 0 0 rg BT 213.75 496.25 Td (gest ) Tj ET Q q 0 0 0 rg BT 232.52 496.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 271.29 496.25 Td (are ) Tj ET Q q 0 0 0 rg BT 286.16 496.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 318.26 496.25 Td (on ) Tj ET Q q 0 0 0 rg BT 330.93 496.25 Td (these ) Tj ET Q q 0 0 0 rg BT 354.15 496.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 389.59 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.70 496.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 439.35 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 456.46 496.25 Td (related ) Tj ET Q q 0 0 0 rg BT 486.33 496.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 527.86 496.25 Td (benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 484.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.27 484.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 100.78 484.25 Td (our ) Tj ET Q q 0 0 0 rg BT 116.31 484.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 169.02 484.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 208.43 484.25 Td (through ) Tj ET Q q 0 0 0 rg BT 241.73 484.25 Td (our ) Tj ET Q q 0 0 0 rg BT 257.26 484.25 Td (net ) Tj ET Q q 0 0 0 rg BT 271.67 484.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 303.30 484.25 Td (mar) Tj ET Q q 0 0 0 rg BT 318.66 484.25 Td (gin, ) Tj ET Q q 0 0 0 rg BT 336.14 484.25 Td (ef) Tj ET Q q 0 0 0 rg BT 343.73 484.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 378.12 484.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 401.14 484.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 421.66 484.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.19 484.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 474.91 484.25 Td (for ) Tj ET Q q 0 0 0 rg BT 488.77 484.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 508.18 484.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 534.27 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 544.24 484.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 77.21 472.25 Td (return ) Tj ET Q q 0 0 0 rg BT 104.68 472.25 Td (on ) Tj ET Q q 0 0 0 rg BT 118.28 472.25 Td (average ) Tj ET Q q 0 0 0 rg BT 152.96 472.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 179.89 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 197.92 472.25 Td (return ) Tj ET Q q 0 0 0 rg BT 225.40 472.25 Td (on ) Tj ET Q q 0 0 0 rg BT 239.00 472.25 Td (average ) Tj ET Q q 0 0 0 rg BT 273.68 472.25 Td (equity) Tj ET Q q 0 0 0 rg BT 298.02 472.25 Td (, ) Tj ET Q q 0 0 0 rg BT 304.12 472.25 Td (among ) Tj ET Q q 0 0 0 rg BT 334.94 472.25 Td (other ) Tj ET Q q 0 0 0 rg BT 359.08 472.25 Td (metrics, ) Tj ET Q q 0 0 0 rg BT 394.61 472.25 Td (while ) Tj ET Q q 0 0 0 rg BT 420.43 472.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 471.79 472.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 520.92 472.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 86.36 460.25 Td (and ) Tj ET Q q 0 0 0 rg BT 103.30 460.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 146.90 460.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 176.05 460.25 Td (ratios.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (Executive Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 424.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 424.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.11 424.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.35 424.25 Td (focused ) Tj ET Q q 0 0 0 rg BT 132.49 424.25 Td (on ) Tj ET Q q 0 0 0 rg BT 144.52 424.25 Td (being ) Tj ET Q q 0 0 0 rg BT 168.77 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.03 424.25 Td (Hometown ) Tj ET Q q 0 0 0 rg BT 238.38 424.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 259.85 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 276.32 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.58 424.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 324.83 424.25 Td (provider ) Tj ET Q q 0 0 0 rg BT 360.74 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.11 424.25 Td (choice ) Tj ET Q q 0 0 0 rg BT 399.23 424.25 Td (in ) Tj ET Q q 0 0 0 rg BT 409.05 424.25 Td (our ) Tj ET Q q 0 0 0 rg BT 424.41 424.25 Td (attractive ) Tj ET Q q 0 0 0 rg BT 463.65 424.25 Td (market ) Tj ET Q q 0 0 0 rg BT 493.44 424.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 514.63 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 531.10 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 540.91 424.25 Td (serve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 412.25 Td (a ) Tj ET Q q 0 0 0 rg BT 67.77 412.25 Td (locally ) Tj ET Q q 0 0 0 rg BT 97.48 412.25 Td (based ) Tj ET Q q 0 0 0 rg BT 122.75 412.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 167.45 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.72 412.25 Td (our ) Tj ET Q q 0 0 0 rg BT 193.55 412.25 Td (lar) Tj ET Q q 0 0 0 rg BT 203.92 412.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 219.19 412.25 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 271.22 412.25 Td (W) Tj ET Q q 0 0 0 rg BT 279.86 412.25 Td (e ) Tj ET Q q 0 0 0 rg BT 286.80 412.25 Td (aim ) Tj ET Q q 0 0 0 rg BT 304.29 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 314.57 412.25 Td (do ) Tj ET Q q 0 0 0 rg BT 327.07 412.25 Td (this ) Tj ET Q q 0 0 0 rg BT 344.02 412.25 Td (through:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 394.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 394.25 Td (Responsive, customer) Tj ET Q q 0 0 0 rg BT 173.56 394.25 Td (-centric products and services and a community focus;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 376.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 376.25 Td (Strategic acquisitions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 358.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 358.25 Td (Utilization of ef) Tj ET Q q 0 0 0 rg BT 149.69 358.25 Td (ficient and scalable infrastructure; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 340.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.25 Td (Disciplined focus on risk management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 322.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.40 322.25 Td (August19, ) Tj ET Q q 0 0 0 rg BT 131.08 322.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 156.38 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 171.39 322.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.07 322.25 Td (completed ) Tj ET Q q 0 0 0 rg BT 257.51 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 264.74 322.25 Td (private ) Tj ET Q q 0 0 0 rg BT 295.30 322.25 Td (placement ) Tj ET Q q 0 0 0 rg BT 339.18 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.30 322.25 Td ($25.5million ) Tj ET Q q 0 0 0 rg BT 406.99 322.25 Td (in ) Tj ET Q q 0 0 0 rg BT 417.56 322.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 459.21 322.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 497.55 322.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 530.34 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 322.25 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.02 310.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 122.71 310.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 146.85 310.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 165.43 310.25 Td (Notes\) ) Tj ET Q q 0 0 0 rg BT 204.00 310.25 Td (to ) Tj ET Q q 0 0 0 rg BT 214.81 310.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 245.05 310.25 Td (institutional ) Tj ET Q q 0 0 0 rg BT 295.86 310.25 Td (investors. ) Tj ET Q q 0 0 0 rg BT 337.28 310.25 Td (The ) Tj ET Q q 0 0 0 rg BT 355.86 310.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 382.23 310.25 Td (are ) Tj ET Q q 0 0 0 rg BT 397.47 310.25 Td (non-callable ) Tj ET Q q 0 0 0 rg BT 449.92 310.25 Td (for ) Tj ET Q q 0 0 0 rg BT 464.62 310.25 Td (fiveyears, ) Tj ET Q q 0 0 0 rg BT 509.29 310.25 Td (have ) Tj ET Q q 0 0 0 rg BT 531.21 310.25 Td (a ) Tj ET Q q 0 0 0 rg BT 538.68 310.25 Td (stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 86.49 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.85 298.25 Td (August15, ) Tj ET Q q 0 0 0 rg BT 143.35 298.25 Td (2025, ) Tj ET Q q 0 0 0 rg BT 168.46 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.50 298.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 205.32 298.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.36 298.25 Td (at ) Tj ET Q q 0 0 0 rg BT 247.18 298.25 Td (a ) Tj ET Q q 0 0 0 rg BT 254.23 298.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 292.93 298.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 309.98 298.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 333.13 298.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 350.72 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.66 298.25 Td (5.75% ) Tj ET Q q 0 0 0 rg BT 390.10 298.25 Td (per ) Tj ET Q q 0 0 0 rg BT 405.47 298.25 Td (annum ) Tj ET Q q 0 0 0 rg BT 435.30 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 445.68 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.51 298.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 497.00 298.25 Td (date ) Tj ET Q q 0 0 0 rg BT 516.26 298.25 Td (or ) Tj ET Q q 0 0 0 rg BT 527.20 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 298.25 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 98.04 286.25 Td (date, ) Tj ET Q q 0 0 0 rg BT 119.15 286.25 Td (August ) Tj ET Q q 0 0 0 rg BT 150.54 286.25 Td (2020 ) Tj ET Q q 0 0 0 rg BT 173.04 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.98 286.25 Td (annually ) Tj ET Q q 0 0 0 rg BT 226.91 286.25 Td (thereafter) Tj ET Q q 0 0 0 rg BT 264.66 286.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 268.25 Td (On ) Tj ET Q q 0 0 0 rg BT 85.33 268.25 Td (November20, ) Tj ET Q q 0 0 0 rg BT 145.64 268.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 171.24 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.56 268.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 228.55 268.25 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 270.52 268.25 Td ($10.98million ) Tj ET Q q 0 0 0 rg BT 332.52 268.25 Td (\(10,980 ) Tj ET Q q 0 0 0 rg BT 366.45 268.25 Td (shares\) ) Tj ET Q q 0 0 0 rg BT 397.88 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.31 268.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 449.05 268.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 473.26 268.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 501.37 268.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 538.91 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 268.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (United ) Tj ET Q q 0 0 0 rg BT 79.91 256.25 Td (States ) Tj ET Q q 0 0 0 rg BT 106.50 256.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 156.40 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 167.23 256.25 Td (T) Tj ET Q q 0 0 0 rg BT 172.98 256.25 Td (reasury ) Tj ET Q q 0 0 0 rg BT 205.11 256.25 Td (\(T) Tj ET Q q 0 0 0 rg BT 218.64 256.25 Td (reasury\) ) Tj ET Q q 0 0 0 rg BT 258.53 256.25 Td (under ) Tj ET Q q 0 0 0 rg BT 283.99 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.91 256.25 Td (Small ) Tj ET Q q 0 0 0 rg BT 324.94 256.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 363.20 256.25 Td (Lending ) Tj ET Q q 0 0 0 rg BT 399.22 256.25 Td (FundProgram ) Tj ET Q q 0 0 0 rg BT 459.42 256.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 477.66 256.25 Td (SBLF\). ) Tj ET Q q 0 0 0 rg BT 518.77 256.25 Td (The ) Tj ET Q q 0 0 0 rg BT 537.01 256.25 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (were ) Tj ET Q q 0 0 0 rg BT 71.49 244.25 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 112.42 244.25 Td (at ) Tj ET Q q 0 0 0 rg BT 121.70 244.25 Td (their ) Tj ET Q q 0 0 0 rg BT 142.09 244.25 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 187.49 244.25 Td (value ) Tj ET Q q 0 0 0 rg BT 211.21 244.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.60 244.25 Td ($1,000 ) Tj ET Q q 0 0 0 rg BT 251.16 244.25 Td (per ) Tj ET Q q 0 0 0 rg BT 266.00 244.25 Td (share ) Tj ET Q q 0 0 0 rg BT 289.16 244.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 307.89 244.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 341.04 244.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 381.99 244.25 Td (through ) Tj ET Q q 0 0 0 rg BT 415.17 244.25 Td (November20, ) Tj ET Q q 0 0 0 rg BT 474.44 244.25 Td (2015. ) Tj ET Q q 0 0 0 rg BT 498.85 244.25 Td (The ) Tj ET Q q 0 0 0 rg BT 516.46 244.25 Td (redemption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (was ) Tj ET Q q 0 0 0 rg BT 66.81 232.25 Td (approved ) Tj ET Q q 0 0 0 rg BT 105.27 232.25 Td (by ) Tj ET Q q 0 0 0 rg BT 116.53 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.00 232.25 Td (Company) Tj ET Q q 0 0 0 rg BT 171.67 232.25 Td (s ) Tj ET Q q 0 0 0 rg BT 176.82 232.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 209.73 232.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 238.74 232.25 Td (regulator ) Tj ET Q q 0 0 0 rg BT 276.09 232.25 Td (and ) Tj ET Q q 0 0 0 rg BT 291.79 232.25 Td (was ) Tj ET Q q 0 0 0 rg BT 308.60 232.25 Td (funded ) Tj ET Q q 0 0 0 rg BT 337.62 232.25 Td (with ) Tj ET Q q 0 0 0 rg BT 356.66 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 370.13 232.25 Td (Company) Tj ET Q q 0 0 0 rg BT 411.80 232.25 Td (s ) Tj ET Q q 0 0 0 rg BT 416.95 232.25 Td (surplus ) Tj ET Q q 0 0 0 rg BT 447.10 232.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 477.41 232.25 Td (W) Tj ET Q q 0 0 0 rg BT 486.45 232.25 Td (ith ) Tj ET Q q 0 0 0 rg BT 498.27 232.25 Td (this ) Tj ET Q q 0 0 0 rg BT 513.97 232.25 Td (redemption, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 220.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.10 220.25 Td (has ) Tj ET Q q 0 0 0 rg BT 121.93 220.25 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 163.30 220.25 Td (all ) Tj ET Q q 0 0 0 rg BT 175.79 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.62 220.25 Td (its ) Tj ET Q q 0 0 0 rg BT 198.57 220.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 247.73 220.25 Td (SBLF ) Tj ET Q q 0 0 0 rg BT 274.14 220.25 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 202.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.95 202.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 133.77 202.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 158.99 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.94 202.25 Td (Company) Tj ET Q q 0 0 0 rg BT 215.60 202.25 Td (s ) Tj ET Q q 0 0 0 rg BT 222.22 202.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 249.38 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.43 202.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 300.37 202.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 336.95 202.25 Td (a ) Tj ET Q q 0 0 0 rg BT 344.12 202.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 369.34 202.25 Td (per ) Tj ET Q q 0 0 0 rg BT 384.83 202.25 Td (share ) Tj ET Q q 0 0 0 rg BT 408.66 202.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 429.15 202.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 469.37 202.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 503.19 202.25 Td (March8, ) Tj ET Q q 0 0 0 rg BT 542.01 202.25 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.20 190.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 113.16 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.91 190.25 Td (record ) Tj ET Q q 0 0 0 rg BT 151.87 190.25 Td (on ) Tj ET Q q 0 0 0 rg BT 164.29 190.25 Td (February26, ) Tj ET Q q 0 0 0 rg BT 217.81 190.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 242.73 190.25 Td (On ) Tj ET Q q 0 0 0 rg BT 256.84 190.25 Td (April25, ) Tj ET Q q 0 0 0 rg BT 295.37 190.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 317.80 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 332.43 190.25 Td (Company) Tj ET Q q 0 0 0 rg BT 374.10 190.25 Td (s ) Tj ET Q q 0 0 0 rg BT 380.41 190.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 407.27 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 418.02 190.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 457.65 190.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 493.94 190.25 Td (a ) Tj ET Q q 0 0 0 rg BT 500.80 190.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 525.72 190.25 Td (per ) Tj ET Q q 0 0 0 rg BT 540.91 190.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 71.10 178.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 111.92 178.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 146.34 178.25 Td (May25, ) Tj ET Q q 0 0 0 rg BT 182.99 178.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 206.32 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 217.43 178.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 271.29 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 282.95 178.25 Td (record ) Tj ET Q q 0 0 0 rg BT 311.81 178.25 Td (on ) Tj ET Q q 0 0 0 rg BT 325.14 178.25 Td (May15, ) Tj ET Q q 0 0 0 rg BT 361.79 178.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 387.62 178.25 Td (On ) Tj ET Q q 0 0 0 rg BT 403.17 178.25 Td (July26, ) Tj ET Q q 0 0 0 rg BT 438.17 178.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 461.49 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.04 178.25 Td (Company) Tj ET Q q 0 0 0 rg BT 518.70 178.25 Td (s ) Tj ET Q q 0 0 0 rg BT 525.92 178.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 553.68 178.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 90.00 166.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 126.66 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 133.89 166.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 159.19 166.25 Td (per ) Tj ET Q q 0 0 0 rg BT 174.75 166.25 Td (share ) Tj ET Q q 0 0 0 rg BT 198.65 166.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 219.21 166.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 259.50 166.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 292.77 166.25 Td (August27, ) Tj ET Q q 0 0 0 rg BT 339.46 166.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 362.26 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.83 166.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 426.16 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 437.29 166.25 Td (record ) Tj ET Q q 0 0 0 rg BT 465.62 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 477.80 166.25 Td (August17, ) Tj ET Q q 0 0 0 rg BT 524.49 166.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 549.78 166.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (October30, ) Tj ET Q q 0 0 0 rg BT 100.21 154.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 123.21 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.43 154.25 Td (Company) Tj ET Q q 0 0 0 rg BT 180.09 154.25 Td (s ) Tj ET Q q 0 0 0 rg BT 186.99 154.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 214.43 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 225.76 154.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 265.97 154.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 302.83 154.25 Td (a ) Tj ET Q q 0 0 0 rg BT 310.27 154.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 335.78 154.25 Td (per ) Tj ET Q q 0 0 0 rg BT 351.55 154.25 Td (share ) Tj ET Q q 0 0 0 rg BT 375.65 154.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 396.42 154.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 436.92 154.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 471.01 154.25 Td (November26, ) Tj ET Q q 0 0 0 rg BT 531.22 154.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 554.22 154.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 103.04 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.87 142.25 Td (record ) Tj ET Q q 0 0 0 rg BT 141.90 142.25 Td (on ) Tj ET Q q 0 0 0 rg BT 154.40 142.25 Td (November16, ) Tj ET Q q 0 0 0 rg BT 214.11 142.25 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 124.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.56 124.25 Td (June ) Tj ET Q q 0 0 0 rg BT 105.22 124.25 Td (9, ) Tj ET Q q 0 0 0 rg BT 115.05 124.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 139.89 124.25 Td (we ) Tj ET Q q 0 0 0 rg BT 153.88 124.25 Td (opened ) Tj ET Q q 0 0 0 rg BT 185.09 124.25 Td (three ) Tj ET Q q 0 0 0 rg BT 207.41 124.25 Td (de ) Tj ET Q q 0 0 0 rg BT 219.18 124.25 Td (novo ) Tj ET Q q 0 0 0 rg BT 241.52 124.25 Td (branches ) Tj ET Q q 0 0 0 rg BT 279.39 124.25 Td (located ) Tj ET Q q 0 0 0 rg BT 310.60 124.25 Td (in ) Tj ET Q q 0 0 0 rg BT 320.71 124.25 Td (Darien, ) Tj ET Q q 0 0 0 rg BT 352.58 124.25 Td (W) Tj ET Q q 0 0 0 rg BT 361.22 124.25 Td (estport, ) Tj ET Q q 0 0 0 rg BT 393.27 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 410.04 124.25 Td (Stamford, ) Tj ET Q q 0 0 0 rg BT 452.09 124.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 505.25 124.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 548.67 124.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (total ) Tj ET Q q 0 0 0 rg BT 70.27 112.25 Td (number ) Tj ET Q q 0 0 0 rg BT 103.32 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 114.15 112.25 Td (branches ) Tj ET Q q 0 0 0 rg BT 152.19 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 162.47 112.25 Td (twelve.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 94.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.76 94.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 123.64 94.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 164.06 94.25 Td (we ) Tj ET Q q 0 0 0 rg BT 178.94 94.25 Td (use ) Tj ET Q q 0 0 0 rg BT 195.49 94.25 Td (to ) Tj ET Q q 0 0 0 rg BT 206.48 94.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 243.01 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.67 94.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 294.98 94.25 Td (our ) Tj ET Q q 0 0 0 rg BT 311.53 94.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 349.73 94.25 Td (results ) Tj ET Q q 0 0 0 rg BT 379.05 94.25 Td (are ) Tj ET Q q 0 0 0 rg BT 394.48 94.25 Td (set ) Tj ET Q q 0 0 0 rg BT 408.80 94.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 431.46 94.25 Td (in ) Tj ET Q q 0 0 0 rg BT 442.46 94.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.89 94.25 Td (table ) Tj ET Q q 0 0 0 rg BT 480.54 94.25 Td (below) Tj ET Q q 0 0 0 rg BT 504.33 94.25 Td (. ) Tj ET Q q 0 0 0 rg BT 509.34 94.25 Td (Although ) Tj ET Q q 0 0 0 rg BT 550.33 94.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 81.51 82.25 Td (these ) Tj ET Q q 0 0 0 rg BT 104.69 82.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 144.54 82.25 Td (are ) Tj ET Q q 0 0 0 rg BT 159.38 82.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 207.56 82.25 Td (in ) Tj ET Q q 0 0 0 rg BT 217.97 82.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 262.26 82.25 Td (our ) Tj ET Q q 0 0 0 rg BT 278.23 82.25 Td (results ) Tj ET Q q 0 0 0 rg BT 306.97 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 324.05 82.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 361.67 82.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 404.58 82.25 Td (they ) Tj ET Q q 0 0 0 rg BT 424.43 82.25 Td (may ) Tj ET Q q 0 0 0 rg BT 444.28 82.25 Td (not ) Tj ET Q q 0 0 0 rg BT 459.70 82.25 Td (be ) Tj ET Q q 0 0 0 rg BT 471.77 82.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 504.95 82.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 554.23 82.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.31 70.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 120.06 70.25 Td (used ) Tj ET Q q 0 0 0 rg BT 140.93 70.25 Td (by ) Tj ET Q q 0 0 0 rg BT 153.47 70.25 Td (other ) Tj ET Q q 0 0 0 rg BT 176.56 70.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 214.08 70.25 Td (services ) Tj ET Q q 0 0 0 rg BT 248.83 70.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 294.13 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 311.11 70.25 Td (may ) Tj ET Q q 0 0 0 rg BT 330.87 70.25 Td (not ) Tj ET Q q 0 0 0 rg BT 346.19 70.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 379.28 70.25 Td (an ) Tj ET Q q 0 0 0 rg BT 391.25 70.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 439.33 70.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 461.87 70.25 Td (to ) Tj ET Q q 0 0 0 rg BT 472.19 70.25 Td (compare ) Tj ET Q q 0 0 0 rg BT 509.15 70.25 Td (our ) Tj ET Q q 0 0 0 rg BT 525.02 70.25 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 70.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.75 58.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 126.30 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 135.85 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.84 58.25 Td (results ) Tj ET Q q 0 0 0 rg BT 177.72 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 187.82 58.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 224.58 58.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 264.12 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 274.22 58.25 Td (our ) Tj ET Q q 0 0 0 rg BT 289.33 58.25 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 340.68 58.25 Td (The ) Tj ET Q q 0 0 0 rg BT 358.00 58.25 Td (following ) Tj ET Q q 0 0 0 rg BT 398.66 58.25 Td (table ) Tj ET Q q 0 0 0 rg BT 419.87 58.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 436.64 58.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 457.85 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 471.84 58.25 Td (key ) Tj ET Q q 0 0 0 rg BT 488.05 58.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.80 58.25 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (we ) Tj ET Q q 0 0 0 rg BT 64.16 46.25 Td (use ) Tj ET Q q 0 0 0 rg BT 79.99 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 90.27 46.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 126.08 46.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.80 46.25 Td (success ) Tj ET Q q 0 0 0 rg BT 173.29 46.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.12 46.25 Td (our ) Tj ET Q q 0 0 0 rg BT 199.95 46.25 Td (business ) Tj ET Q q 0 0 0 rg BT 236.34 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 253.28 46.25 Td (our ) Tj ET Q q 0 0 0 rg BT 269.11 46.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 306.59 46.25 Td (position ) Tj ET Q q 0 0 0 rg BT 341.31 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.25 46.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 398.52 46.25 Td (performance.) 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 (34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 86.41 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 117.82 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 131.46 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.65 742.10 Td (year ) Tj ET Q q 0 0 0 rg BT 164.83 742.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 190.68 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 248.74 742.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 270.72 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 288.24 742.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 331.87 742.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 370.50 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 382.47 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.52 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 401.93 742.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 413.34 742.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 433.66 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.07 742.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 469.39 742.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 485.81 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.11 742.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 518.09 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 528.39 742.10 Td (it ) Tj ET Q q 0 0 0 rg BT 535.93 742.10 Td (relates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.73 730.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 105.35 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 123.30 730.10 Td (required ) Tj ET Q q 0 0 0 rg BT 159.58 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.97 730.10 Td (re-measurement ) Tj ET Q q 0 0 0 rg BT 234.34 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.62 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 261.91 730.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 298.17 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 313.34 730.10 Td (asset, ) Tj ET Q q 0 0 0 rg BT 338.24 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.63 730.10 Td (required ) Tj ET Q q 0 0 0 rg BT 401.91 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 409.30 730.10 Td ($3.3million ) Tj ET Q q 0 0 0 rg BT 461.15 730.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 493.18 730.10 Td (f ) Tj ET Q q 0 0 0 rg BT 499.46 730.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 546.28 730.10 Td (as ) 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 (direct ) Tj ET Q q 0 0 0 rg BT 75.01 718.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 110.01 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.04 718.10 Td (income ) Tj ET Q q 0 0 0 rg BT 151.72 718.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 166.19 718.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 202.65 718.10 Td (As ) Tj ET Q q 0 0 0 rg BT 216.01 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 222.70 718.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 249.66 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.13 718.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 316.90 718.10 Td (metrics ) Tj ET Q q 0 0 0 rg BT 348.58 718.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 389.15 718.10 Td (below ) Tj ET Q q 0 0 0 rg BT 415.83 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 436.96 718.10 Td (been ) Tj ET Q q 0 0 0 rg BT 458.08 718.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 498.65 718.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 537.55 718.10 Td (due ) Tj ET Q q 0 0 0 rg BT 554.23 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 706.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 96.09 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.37 706.10 Td (net ) Tj ET Q q 0 0 0 rg BT 121.08 706.10 Td (income ) Tj ET Q q 0 0 0 rg BT 153.02 706.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 181.06 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 193.56 706.10 Td (this ) Tj ET Q q 0 0 0 rg BT 210.51 706.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 242.54 706.10 Td (f.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (Key Financial Measur) Tj ET Q q 0 0 0 rg BT 144.81 688.10 Td (es) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 657.6 m 424.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 657.6 m 428.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 657.6 m 493.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 657.6 m 497.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 657.6 m 562.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 645.6 m 424.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 645.6 m 493.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 645.6 m 562.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 633.6 m 424.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 645.6 m 428.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 645.6 m 493.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 633.6 m 493.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 645.6 m 497.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 645.6 m 562.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 633.6 m 562.5 633.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 416.20 661.83 Td (Key Financial Measur) Tj ET Q q 0 0 0 rg BT 492.05 661.83 Td (es) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 498.71 665.46 Td (\(a\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.30 649.68 Td (At or) Tj ET Q q 0 0 0 rg BT 409.22 649.68 Td ( For) Tj ET Q q 0 0 0 rg BT 423.51 649.68 Td ( the ) Tj ET Q q 0 0 0 rg BT 437.96 649.68 Td (Y) Tj ET Q q 0 0 0 rg BT 443.14 649.68 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 517.72 649.68 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.50 637.68 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.50 637.68 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 637.68 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 386.35 625.68 Td (\(Dollars in thousands, except per share data\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 612.33 Td (Selected balance sheet measur) Tj ET Q q 0 0 0 rg BT 181.49 612.33 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 599.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 599.17 Td (otal assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 599.17 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 599.17 Td (1,873,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 599.17 Td (1,796,607) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 599.17 Td (1,628,919) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 585.17 Td (Gross portfolio loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.50 585.17 Td (.......................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 585.17 Td (1,604,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 585.17 Td (1,543,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 585.17 Td (1,365,939) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 571.17 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 571.17 Td (...........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 571.17 Td (1,502,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 571.17 Td (1,398,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 571.17 Td (1,289,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 557.17 Td (FHLB borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.50 557.17 Td (...........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 557.17 Td (160,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 557.17 Td (199,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 557.17 Td (160,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 543.17 Td (Subordinated debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.50 543.17 Td (...........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 543.17 Td (25,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 543.17 Td (25,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 543.17 Td (25,051) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 529.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 529.17 Td (otal equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 529.17 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 529.17 Td (174,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 529.17 Td (161,027) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 529.17 Td (145,895) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 515.33 Td (Selected statement of income measur) Tj ET Q q 0 0 0 rg BT 209.99 515.33 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 502.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 502.17 Td (otal revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 107.55 506.70 Td (\(c\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.00 502.17 Td (................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 502.17 Td (60,226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 502.17 Td (58,993) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 502.17 Td (51,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 488.17 Td (Net interest income before provision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.00 488.17 Td (......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 488.17 Td (56,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 488.17 Td (54,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 488.17 Td (49,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 474.17 Td (Income before income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.50 474.17 Td (.................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 474.17 Td (21,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 474.17 Td (25,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 474.17 Td (18,310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 460.17 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 460.17 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 460.17 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 460.17 Td (12,350) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.17 Td (Basic earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 446.17 Td (..................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 446.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 446.17 Td (2.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 446.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 446.17 Td (1.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 446.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 446.17 Td (1.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 432.17 Td (Diluted earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.50 432.17 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 432.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 432.17 Td (2.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 432.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 432.17 Td (1.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 432.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 432.17 Td (1.62) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 404.6 m 424.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 404.6 m 428.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 404.6 m 493.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 404.6 m 497.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 404.6 m 562.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 391.6 m 424.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 391.6 m 493.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 391.6 m 562.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 378.6 m 424.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 391.6 m 428.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 391.6 m 493.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 378.6 m 493.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 391.6 m 497.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 391.6 m 562.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 378.6 m 562.5 378.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 416.20 408.83 Td (Key Financial Measur) Tj ET Q q 0 0 0 rg BT 492.05 408.83 Td (es) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 498.71 412.46 Td (\(a\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.30 395.83 Td (At or) Tj ET Q q 0 0 0 rg BT 409.22 395.83 Td ( For) Tj ET Q q 0 0 0 rg BT 423.51 395.83 Td ( the ) Tj ET Q q 0 0 0 rg BT 437.96 395.83 Td (Y) Tj ET Q q 0 0 0 rg BT 443.14 395.83 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 517.72 395.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.50 382.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.50 382.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 382.83 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 356.28 Td (Other) Tj ET Q q 0 0 0 rg BT 78.37 356.28 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 152.07 356.28 Td (es and ratios:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 341.27 Td (Return on average assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.50 341.17 Td (.................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 341.27 Td (0.94) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 341.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 341.27 Td (0.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 341.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 341.27 Td (0.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 341.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 326.27 Td (Return on average common shareholders) Tj ET Q q 0 0 0 rg BT 219.42 326.27 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 246.92 329.89 Td (\(c\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.00 327.55 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 326.27 Td (10.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 326.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 326.27 Td (8.93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 326.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 326.27 Td (8.94) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 326.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 311.27 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 117.33 311.27 Td (gin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.00 311.17 Td (..........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 311.27 Td (3.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 311.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 311.27 Td (3.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 311.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 311.27 Td (3.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 311.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 296.27 Td (Ef) Tj ET Q q 0 0 0 rg BT 62.26 296.27 Td (ficiency ratio) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 115.29 300.80 Td (\(c\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.50 296.17 Td (.............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 296.27 Td (59.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 296.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 296.27 Td (54.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 296.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 296.27 Td (56.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 296.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 281.27 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 281.27 Td (angible book value per share \(end of period\)) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 235.84 284.89 Td (\(c\)\(d\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.00 282.55 Td (......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 281.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 281.27 Td (22.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 281.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 281.27 Td (20.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 281.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 281.27 Td (18.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 266.27 Td (Net char) Tj ET Q q 0 0 0 rg BT 86.96 266.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 107.88 266.27 Td (fs to average loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 182.58 270.80 Td (\(b\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.00 266.17 Td (..................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 266.27 Td (0.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 266.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 266.27 Td (0.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 266.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 266.27 Td (0.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 266.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 251.27 Td (Nonperforming assets to total assets) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 197.42 255.80 Td (\(e\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.00 251.17 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 251.27 Td (0.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 251.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 251.27 Td (0.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 251.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 251.27 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 251.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 236.27 Td (Allowance for loan losses to nonperforming loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.50 236.17 Td (.........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 236.27 Td (109.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 236.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 236.27 Td (344.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 236.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 236.27 Td (612.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 236.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 221.27 Td (Allowance for loan losses to total loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 210.74 225.80 Td (\(b\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.50 221.17 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 221.27 Td (0.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 221.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 221.27 Td (1.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 221.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 221.27 Td (1.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 221.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 199.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 199.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 199.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.78 199.10 Td (have ) Tj ET Q q 0 0 0 rg BT 123.36 199.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 156.05 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.97 199.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 205.88 199.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 239.11 199.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 262.37 199.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 302.28 199.10 Td (as ) Tj ET Q q 0 0 0 rg BT 313.31 199.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.34 199.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 383.13 199.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 405.84 199.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.98 199.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 445.68 199.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.83 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.75 199.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 512.65 199.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 553.68 199.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 187.10 Td (income ) Tj ET Q q 0 0 0 rg BT 119.52 187.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 160.82 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 176.57 187.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 216.48 187.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 244.44 187.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 304.62 187.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 331.21 187.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 355.30 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.82 187.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 397.91 187.10 Td (from ) Tj ET Q q 0 0 0 rg BT 421.44 187.10 Td (our ) Tj ET Q q 0 0 0 rg BT 438.86 187.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 472.39 187.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 527.02 187.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 175.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 131.24 175.10 Td (included ) Tj ET Q q 0 0 0 rg BT 168.69 175.10 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 211.69 175.10 Td (in ) Tj ET Q q 0 0 0 rg BT 222.50 175.10 Td (this ) Tj ET Q q 0 0 0 rg BT 239.97 175.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 269.65 175.10 Td (report. ) Tj ET Q q 0 0 0 rg BT 298.38 175.10 Td (A) Tj ET Q q 0 0 0 rg BT 304.86 175.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 334.53 175.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 371.98 175.10 Td (have ) Tj ET Q q 0 0 0 rg BT 393.88 175.10 Td (been ) Tj ET Q q 0 0 0 rg BT 415.78 175.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 458.24 175.10 Td (using ) Tj ET Q q 0 0 0 rg BT 482.93 175.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 505.95 175.10 Td (averages. ) Tj ET Q q 0 0 0 rg BT 546.45 175.10 Td (Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 163.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 125.71 163.10 Td (results ) Tj ET Q q 0 0 0 rg BT 154.32 163.10 Td (may ) Tj ET Q q 0 0 0 rg BT 174.04 163.10 Td (not ) Tj ET Q q 0 0 0 rg BT 189.32 163.10 Td (be ) Tj ET Q q 0 0 0 rg BT 201.25 163.10 Td (indicative ) Tj ET Q q 0 0 0 rg BT 243.18 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.01 163.10 Td (our ) Tj ET Q q 0 0 0 rg BT 269.84 163.10 Td (results ) Tj ET Q q 0 0 0 rg BT 298.45 163.10 Td (for ) Tj ET Q q 0 0 0 rg BT 312.61 163.10 Td (any ) Tj ET Q q 0 0 0 rg BT 329.55 163.10 Td (future ) Tj ET Q q 0 0 0 rg BT 355.93 163.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 145.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 145.10 Td (Calculated ) Tj ET Q q 0 0 0 rg BT 131.26 145.10 Td (using ) Tj ET Q q 0 0 0 rg BT 155.43 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.15 145.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 208.19 145.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 244.57 145.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 293.74 145.10 Td (on ) Tj ET Q q 0 0 0 rg BT 306.24 145.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 127.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 127.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.78 127.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 141.10 127.10 Td (is ) Tj ET Q q 0 0 0 rg BT 149.78 127.10 Td (not ) Tj ET Q q 0 0 0 rg BT 164.56 127.10 Td (a ) Tj ET Q q 0 0 0 rg BT 171.00 127.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 206.32 127.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 252.19 127.10 Td (under ) Tj ET Q q 0 0 0 rg BT 276.96 127.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 303.82 127.10 Td ( ) Tj ET Q q 0 0 0 rg BT 305.82 127.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.26 127.10 Td (is ) Tj ET Q q 0 0 0 rg BT 330.94 127.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 369.03 127.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 414.35 127.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.13 127.10 Td (be ) Tj ET Q q 0 0 0 rg BT 435.57 127.10 Td (a ) Tj ET Q q 0 0 0 rg BT 442.02 127.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 487.20 127.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.21 127.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 526.19 127.10 Td (measure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 115.10 Td (See ) Tj ET Q q 0 0 0 rg BT 103.02 115.10 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 154.87 115.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.45 115.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 197.25 115.10 Td (Measures ) Tj ET Q q 0 0 0 rg BT 242.59 115.10 Td (for ) Tj ET Q q 0 0 0 rg BT 256.83 115.10 Td (a ) Tj ET Q q 0 0 0 rg BT 263.85 115.10 Td (description ) Tj ET Q q 0 0 0 rg BT 310.87 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.78 115.10 Td (this ) Tj ET Q q 0 0 0 rg BT 338.81 115.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 374.71 115.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.73 115.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.75 115.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 456.31 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.23 115.10 Td (this ) Tj ET Q q 0 0 0 rg BT 484.26 115.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 520.16 115.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.52 115.10 Td (its ) Tj ET Q q 0 0 0 rg BT 542.55 115.10 Td (most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 103.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 119.04 103.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 168.18 103.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 195.04 103.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.54 103.10 Td (measure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 85.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 85.10 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 125.16 85.10 Td (unvested ) Tj ET Q q 0 0 0 rg BT 163.20 85.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 202.90 85.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 226.51 85.10 Td (awards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 67.10 Td (\(e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 67.10 Td (Nonperforming ) Tj ET Q q 0 0 0 rg BT 150.71 67.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 176.54 67.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 206.82 67.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.65 67.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 280.13 67.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 303.74 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.68 67.10 Td (other ) Tj ET Q q 0 0 0 rg BT 343.72 67.10 Td (real ) Tj ET Q q 0 0 0 rg BT 361.21 67.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 386.47 67.10 Td (owned.) 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 (35) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Critical ) Tj ET Q q 0 0 0 rg BT 84.71 742.25 Td (Accounting Policies and Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 89.04 724.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 134.20 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 152.13 724.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 187.84 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.66 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 216.48 724.25 Td (results ) Tj ET Q q 0 0 0 rg BT 246.08 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.90 724.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 303.05 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 320.98 724.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 359.45 724.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 400.71 724.25 Td (are ) Tj ET Q q 0 0 0 rg BT 416.41 724.25 Td (based ) Tj ET Q q 0 0 0 rg BT 442.67 724.25 Td (on ) Tj ET Q q 0 0 0 rg BT 456.16 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 472.98 724.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 527.02 724.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 96.34 712.25 Td (which ) Tj ET Q q 0 0 0 rg BT 122.41 712.25 Td (have ) Tj ET Q q 0 0 0 rg BT 142.91 712.25 Td (been ) Tj ET Q q 0 0 0 rg BT 163.41 712.25 Td (prepared ) Tj ET Q q 0 0 0 rg BT 200.02 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 209.42 712.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 256.01 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 275.42 712.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 301.54 712.25 Td (. ) Tj ET Q q 0 0 0 rg BT 305.54 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 322.72 712.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 369.88 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.84 712.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 416.44 712.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 460.28 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 469.69 712.25 Td (conformity ) Tj ET Q q 0 0 0 rg BT 515.75 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 535.16 712.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 562.01 712.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 85.58 700.25 Td (us ) Tj ET Q q 0 0 0 rg BT 97.84 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 108.99 700.25 Td (make ) Tj ET Q q 0 0 0 rg BT 134.02 700.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 179.60 700.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 220.19 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 238.00 700.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 290.82 700.25 Td (that ) Tj ET Q q 0 0 0 rg BT 309.18 700.25 Td (af) Tj ET Q q 0 0 0 rg BT 316.77 700.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 335.13 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 350.72 700.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 387.40 700.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 424.66 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 436.36 700.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 465.56 700.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 508.65 700.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 547.56 700.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 90.55 688.25 Td (Actual ) Tj ET Q q 0 0 0 rg BT 119.70 688.25 Td (results ) Tj ET Q q 0 0 0 rg BT 148.31 688.25 Td (could ) Tj ET Q q 0 0 0 rg BT 173.03 688.25 Td (dif) Tj ET Q q 0 0 0 rg BT 183.96 688.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 197.55 688.25 Td (from ) Tj ET Q q 0 0 0 rg BT 219.49 688.25 Td (our ) Tj ET Q q 0 0 0 rg BT 235.32 688.25 Td (current ) Tj ET Q q 0 0 0 rg BT 266.14 688.25 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 308.35 688.25 Td (as ) Tj ET Q q 0 0 0 rg BT 319.18 688.25 Td (a ) Tj ET Q q 0 0 0 rg BT 326.12 688.25 Td (result ) Tj ET Q q 0 0 0 rg BT 350.83 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.67 688.25 Td (changing ) Tj ET Q q 0 0 0 rg BT 400.82 688.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 444.99 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 461.92 688.25 Td (future ) Tj ET Q q 0 0 0 rg BT 488.30 688.25 Td (events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 670.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 670.25 Td (e ) Tj ET Q q 0 0 0 rg BT 87.24 670.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 120.27 670.25 Td (that ) Tj ET Q q 0 0 0 rg BT 139.43 670.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 187.46 670.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 228.83 670.25 Td (related ) Tj ET Q q 0 0 0 rg BT 260.20 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 272.14 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.51 670.25 Td (initial ) Tj ET Q q 0 0 0 rg BT 316.00 670.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 373.48 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.97 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 402.35 670.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 447.04 670.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.86 670.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 484.24 670.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 514.79 670.25 Td (stock-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 110.28 658.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 152.50 658.25 Td (instrument ) Tj ET Q q 0 0 0 rg BT 197.51 658.25 Td (valuation, ) Tj ET Q q 0 0 0 rg BT 239.46 658.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 285.58 658.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 325.58 658.25 Td (valuation, ) Tj ET Q q 0 0 0 rg BT 367.53 658.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 411.42 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 421.99 658.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 468.11 658.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 508.11 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 522.00 658.25 Td (other ) Tj ET Q q 0 0 0 rg BT 544.79 658.25 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (temporary ) Tj ET Q q 0 0 0 rg BT 92.79 646.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 140.59 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.73 646.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 191.73 646.25 Td (income ) Tj ET Q q 0 0 0 rg BT 222.87 646.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 245.11 646.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 284.02 646.25 Td (are ) Tj ET Q q 0 0 0 rg BT 297.93 646.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 345.72 646.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 375.18 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.31 646.25 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 437.45 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.92 646.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 490.83 646.25 Td (near) Tj ET Q q 0 0 0 rg BT 507.84 646.25 Td (-term ) Tj ET Q q 0 0 0 rg BT 531.20 646.25 Td (change.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 109.53 628.25 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 610.25 Td (Determining ) Tj ET Q q 0 0 0 rg BT 122.80 610.25 Td (an ) Tj ET Q q 0 0 0 rg BT 134.49 610.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 182.28 610.25 Td (level ) Tj ET Q q 0 0 0 rg BT 203.97 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.55 610.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 257.34 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 271.25 610.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 290.72 610.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 316.87 610.25 Td (involves ) Tj ET Q q 0 0 0 rg BT 353.01 610.25 Td (a ) Tj ET Q q 0 0 0 rg BT 359.71 610.25 Td (high ) Tj ET Q q 0 0 0 rg BT 379.74 610.25 Td (degree ) Tj ET Q q 0 0 0 rg BT 408.64 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.22 610.25 Td (judgment. ) Tj ET Q q 0 0 0 rg BT 461.59 610.25 Td (W) Tj ET Q q 0 0 0 rg BT 470.23 610.25 Td (e ) Tj ET Q q 0 0 0 rg BT 476.92 610.25 Td (use ) Tj ET Q q 0 0 0 rg BT 492.51 610.25 Td (a ) Tj ET Q q 0 0 0 rg BT 499.20 610.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 554.23 610.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (systematically ) Tj ET Q q 0 0 0 rg BT 110.04 598.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 146.19 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.24 598.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 194.07 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.24 598.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 246.39 598.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 266.44 598.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 284.84 598.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 323.77 598.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 359.37 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 369.98 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 385.03 598.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 405.09 598.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 442.92 598.25 Td (for ) Tj ET Q q 0 0 0 rg BT 457.41 598.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 495.80 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.96 598.25 Td (establishing ) Tj ET Q q 0 0 0 rg BT 557.57 598.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (suf) Tj ET Q q 0 0 0 rg BT 62.04 586.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 89.12 586.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 131.18 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 144.38 586.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 163.13 586.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 190.94 586.25 Td (The ) Tj ET Q q 0 0 0 rg BT 208.02 586.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 262.33 586.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 297.18 586.25 Td (elements ) Tj ET Q q 0 0 0 rg BT 334.26 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 347.45 586.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 380.08 586.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 414.37 586.25 Td (on ) Tj ET Q q 0 0 0 rg BT 425.90 586.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 462.98 586.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 485.62 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.59 586.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 518.69 586.25 Td (allocations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 574.25 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 120.53 574.25 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 556.25 Td (Loss ) Tj ET Q q 0 0 0 rg BT 92.04 556.25 Td (allocations ) Tj ET Q q 0 0 0 rg BT 138.51 556.25 Td (are ) Tj ET Q q 0 0 0 rg BT 153.87 556.25 Td (identified ) Tj ET Q q 0 0 0 rg BT 195.34 556.25 Td (for ) Tj ET Q q 0 0 0 rg BT 210.15 556.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 253.85 556.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 278.11 556.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 312.35 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 323.28 556.25 Td (be ) Tj ET Q q 0 0 0 rg BT 335.86 556.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 374.56 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 385.48 556.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 433.59 556.25 Td (with ) Tj ET Q q 0 0 0 rg BT 454.52 556.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 480.64 556.25 Td (. ) Tj ET Q q 0 0 0 rg BT 486.29 556.25 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 525.53 556.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.79 556.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.84 544.25 Td (for ) Tj ET Q q 0 0 0 rg BT 88.23 544.25 Td (which ) Tj ET Q q 0 0 0 rg BT 115.39 544.25 Td (it ) Tj ET Q q 0 0 0 rg BT 123.68 544.25 Td (is ) Tj ET Q q 0 0 0 rg BT 133.08 544.25 Td (probable ) Tj ET Q q 0 0 0 rg BT 170.79 544.25 Td (that ) Tj ET Q q 0 0 0 rg BT 188.51 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 203.46 544.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 227.30 544.25 Td (will ) Tj ET Q q 0 0 0 rg BT 245.58 544.25 Td (not ) Tj ET Q q 0 0 0 rg BT 261.09 544.25 Td (be ) Tj ET Q q 0 0 0 rg BT 273.25 544.25 Td (able ) Tj ET Q q 0 0 0 rg BT 292.64 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 303.15 544.25 Td (collect ) Tj ET Q q 0 0 0 rg BT 332.52 544.25 Td (all ) Tj ET Q q 0 0 0 rg BT 345.25 544.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 381.86 544.25 Td (due ) Tj ET Q q 0 0 0 rg BT 399.03 544.25 Td (according ) Tj ET Q q 0 0 0 rg BT 441.18 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.69 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.63 544.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 513.78 544.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 538.73 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 544.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 70.22 532.25 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 121.25 532.25 Td (including ) Tj ET Q q 0 0 0 rg BT 162.03 532.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 212.23 532.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 236.34 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 253.78 532.25 Td (all ) Tj ET Q q 0 0 0 rg BT 266.78 532.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 290.89 532.25 Td (restructured ) Tj ET Q q 0 0 0 rg BT 341.65 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 352.43 532.25 Td (a ) Tj ET Q q 0 0 0 rg BT 359.87 532.25 Td (troubled ) Tj ET Q q 0 0 0 rg BT 396.20 532.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 416.42 532.25 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 473.01 532.25 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 512.11 532.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 536.22 532.25 Td (do ) Tj ET Q q 0 0 0 rg BT 549.22 532.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (include ) Tj ET Q q 0 0 0 rg BT 81.63 520.25 Td (lar) Tj ET Q q 0 0 0 rg BT 91.99 520.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 103.62 520.25 Td (groups ) Tj ET Q q 0 0 0 rg BT 133.03 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 143.56 520.25 Td (smaller) Tj ET Q q 0 0 0 rg BT 172.79 520.25 Td (-balance ) Tj ET Q q 0 0 0 rg BT 208.84 520.25 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 266.58 520.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 289.88 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 307.07 520.25 Td (are ) Tj ET Q q 0 0 0 rg BT 321.47 520.25 Td (collectively ) Tj ET Q q 0 0 0 rg BT 370.30 520.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 410.80 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 424.66 520.25 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 475.45 520.25 Td (which ) Tj ET Q q 0 0 0 rg BT 502.08 520.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 532.05 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 542.57 520.25 Td (most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 93.33 508.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 132.78 508.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 158.07 508.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 206.95 508.25 Td (real ) Tj ET Q q 0 0 0 rg BT 223.62 508.25 Td (estate, ) Tj ET Q q 0 0 0 rg BT 250.56 508.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 299.44 508.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 322.23 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 338.35 508.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 378.91 508.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 404.20 508.25 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 452.53 508.25 Td (is ) Tj ET Q q 0 0 0 rg BT 460.89 508.25 Td (measured ) Tj ET Q q 0 0 0 rg BT 500.88 508.25 Td (on ) Tj ET Q q 0 0 0 rg BT 512.57 508.25 Td (a ) Tj ET Q q 0 0 0 rg BT 518.69 508.25 Td (discounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.24 496.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 91.04 496.25 Td (method ) Tj ET Q q 0 0 0 rg BT 123.50 496.25 Td (based ) Tj ET Q q 0 0 0 rg BT 148.74 496.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 171.20 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.89 496.25 Td (loan) Tj ET Q q 0 0 0 rg BT 205.88 496.25 Td (s ) Tj ET Q q 0 0 0 rg BT 212.24 496.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 259.13 496.25 Td (ef) Tj ET Q q 0 0 0 rg BT 266.72 496.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 296.39 496.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 328.29 496.25 Td (rate, ) Tj ET Q q 0 0 0 rg BT 348.24 496.25 Td (or ) Tj ET Q q 0 0 0 rg BT 359.04 496.25 Td (at ) Tj ET Q q 0 0 0 rg BT 368.73 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.41 496.25 Td (loan) Tj ET Q q 0 0 0 rg BT 403.41 496.25 Td (s ) Tj ET Q q 0 0 0 rg BT 409.77 496.25 Td (observable ) Tj ET Q q 0 0 0 rg BT 455.55 496.25 Td (market ) Tj ET Q q 0 0 0 rg BT 485.78 496.25 Td (price, ) Tj ET Q q 0 0 0 rg BT 510.74 496.25 Td (or ) Tj ET Q q 0 0 0 rg BT 521.54 496.25 Td (if ) Tj ET Q q 0 0 0 rg BT 530.11 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 496.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (is ) Tj ET Q q 0 0 0 rg BT 58.90 484.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 98.33 484.25 Td (dependent, ) Tj ET Q q 0 0 0 rg BT 144.16 484.25 Td (at ) Tj ET Q q 0 0 0 rg BT 153.61 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.06 484.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 184.17 484.25 Td (value ) Tj ET Q q 0 0 0 rg BT 208.06 484.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.63 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 233.08 484.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 272.51 484.25 Td (less ) Tj ET Q q 0 0 0 rg BT 289.74 484.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 311.98 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 321.99 484.25 Td (sell. ) Tj ET Q q 0 0 0 rg BT 340.61 484.25 Td (For ) Tj ET Q q 0 0 0 rg BT 356.74 484.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 396.17 484.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 439.49 484.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 465.34 484.25 Td (management ) Tj ET Q q 0 0 0 rg BT 518.66 484.25 Td (may ) Tj ET Q q 0 0 0 rg BT 538.11 484.25 Td (adjust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (appraised ) Tj ET Q q 0 0 0 rg BT 90.76 472.25 Td (values ) Tj ET Q q 0 0 0 rg BT 118.76 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 128.99 472.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 156.97 472.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 197.74 472.25 Td (market ) Tj ET Q q 0 0 0 rg BT 227.95 472.25 Td (value ) Tj ET Q q 0 0 0 rg BT 252.05 472.25 Td (declines ) Tj ET Q q 0 0 0 rg BT 287.27 472.25 Td (or ) Tj ET Q q 0 0 0 rg BT 298.04 472.25 Td (apply ) Tj ET Q q 0 0 0 rg BT 322.71 472.25 Td (other ) Tj ET Q q 0 0 0 rg BT 345.71 472.25 Td (discounts ) Tj ET Q q 0 0 0 rg BT 385.93 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 396.16 472.25 Td (appraised ) Tj ET Q q 0 0 0 rg BT 436.92 472.25 Td (values ) Tj ET Q q 0 0 0 rg BT 464.92 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 479.03 472.25 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 534.79 472.25 Td (factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 87.50 460.25 Td (from ) Tj ET Q q 0 0 0 rg BT 109.43 460.25 Td (its ) Tj ET Q q 0 0 0 rg BT 121.38 460.25 Td (knowledge ) Tj ET Q q 0 0 0 rg BT 167.76 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.59 460.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 237.73 460.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 281.32 460.25 Td (with ) Tj ET Q q 0 0 0 rg BT 301.60 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.32 460.25 Td (property) Tj ET Q q 0 0 0 rg BT 349.55 460.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 442.25 Td (Loss ) Tj ET Q q 0 0 0 rg BT 91.71 442.25 Td (allocations ) Tj ET Q q 0 0 0 rg BT 137.84 442.25 Td (for ) Tj ET Q q 0 0 0 rg BT 152.32 442.25 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 209.00 442.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 232.93 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 247.95 442.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 295.74 442.25 Td (by ) Tj ET Q q 0 0 0 rg BT 308.56 442.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 346.37 442.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 382.51 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 399.76 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 414.79 442.25 Td (based ) Tj ET Q q 0 0 0 rg BT 440.37 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 453.18 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.22 442.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 492.10 442.25 Td (s ) Tj ET Q q 0 0 0 rg BT 498.81 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.06 442.25 Td (peer ) Tj ET Q q 0 0 0 rg BT 536.08 442.25 Td (banks) Tj ET Q q 0 0 0 rg BT 562.00 442.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 89.47 430.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 107.28 430.25 Td (experiences ) Tj ET Q q 0 0 0 rg BT 156.73 430.25 Td (over ) Tj ET Q q 0 0 0 rg BT 176.75 430.25 Td (an ) Tj ET Q q 0 0 0 rg BT 188.44 430.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 229.57 430.25 Td (cycle ) Tj ET Q q 0 0 0 rg BT 252.91 430.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 288.49 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 302.40 430.25 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 346.87 430.25 Td (factors. ) Tj ET Q q 0 0 0 rg BT 378.83 430.25 Td (Qualitative ) Tj ET Q q 0 0 0 rg BT 425.51 430.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 454.97 430.25 Td (include, ) Tj ET Q q 0 0 0 rg BT 489.16 430.25 Td (but ) Tj ET Q q 0 0 0 rg BT 504.19 430.25 Td (are ) Tj ET Q q 0 0 0 rg BT 518.65 430.25 Td (not ) Tj ET Q q 0 0 0 rg BT 533.68 430.25 Td (limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (to, ) Tj ET Q q 0 0 0 rg BT 62.92 418.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 95.55 418.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 129.29 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 146.37 418.25 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 195.37 418.25 Td (nature ) Tj ET Q q 0 0 0 rg BT 223.00 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 240.07 418.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 272.71 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.68 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.53 418.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 338.66 418.25 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 399.61 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 410.58 418.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 438.48 418.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 471.12 418.25 Td (management ) Tj ET Q q 0 0 0 rg BT 524.84 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.92 418.25 Td (staf) Tj ET Q q 0 0 0 rg BT 556.18 418.25 Td (f, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 83.24 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 100.93 406.25 Td (severity ) Tj ET Q q 0 0 0 rg BT 135.83 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.41 406.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 183.99 406.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 210.84 406.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 241.87 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 253.44 406.25 Td (review ) Tj ET Q q 0 0 0 rg BT 283.90 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 301.59 406.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 328.16 406.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 365.58 406.25 Td (value ) Tj ET Q q 0 0 0 rg BT 390.48 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 402.06 406.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 448.64 406.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 491.58 406.25 Td (current ) Tj ET Q q 0 0 0 rg BT 523.15 406.25 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 97.07 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 114.40 394.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 164.51 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 181.85 394.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 225.84 394.25 Td (issues. ) Tj ET Q q 0 0 0 rg BT 254.93 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 263.56 394.25 Td (e ) Tj ET Q q 0 0 0 rg BT 270.90 394.25 Td (analyze ) Tj ET Q q 0 0 0 rg BT 304.34 394.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 344.45 394.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 362.91 394.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 409.11 394.25 Td (over ) Tj ET Q q 0 0 0 rg BT 429.78 394.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 462.12 394.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 496.11 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 506.79 394.25 Td (be ) Tj ET Q q 0 0 0 rg BT 519.13 394.25 Td (relevant ) Tj ET Q q 0 0 0 rg BT 554.23 394.25 Td (to ) 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 64.59 382.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 99.73 382.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 117.11 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 127.82 382.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 145.76 382.25 Td (in ) Tj ET Q q 0 0 0 rg BT 155.91 382.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 175.51 382.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 216.77 382.25 Td (as ) Tj ET Q q 0 0 0 rg BT 227.48 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 238.18 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 252.78 382.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 285.69 382.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 308.61 382.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 330.14 382.25 Td (During ) Tj ET Q q 0 0 0 rg BT 360.85 382.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 385.73 382.25 Td (we ) Tj ET Q q 0 0 0 rg BT 399.76 382.25 Td (updated ) Tj ET Q q 0 0 0 rg BT 433.80 382.25 Td (our ) Tj ET Q q 0 0 0 rg BT 449.50 382.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 492.41 382.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 547.56 382.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 96.07 370.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 116.04 370.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 134.35 370.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 189.05 370.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 245.67 370.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 272.84 370.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 308.37 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 325.56 370.25 Td (product ) Tj ET Q q 0 0 0 rg BT 358.85 370.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 377.16 370.25 Td (trends. ) Tj ET Q q 0 0 0 rg BT 406.65 370.25 Td (This ) Tj ET Q q 0 0 0 rg BT 427.18 370.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 461.58 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 472.11 370.25 Td (a ) Tj ET Q q 0 0 0 rg BT 479.30 370.25 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 537.02 370.25 Td (pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td ($1.3million ) Tj ET Q q 0 0 0 rg BT 101.39 358.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 141.66 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 151.93 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.65 358.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 209.68 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.62 358.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 261.88 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 272.15 358.25 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.25 Td (Loss ) Tj ET Q q 0 0 0 rg BT 91.28 340.25 Td (allocations ) Tj ET Q q 0 0 0 rg BT 136.99 340.25 Td (for ) Tj ET Q q 0 0 0 rg BT 151.04 340.25 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 207.29 340.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 230.79 340.25 Td (are ) Tj ET Q q 0 0 0 rg BT 245.39 340.25 Td (based ) Tj ET Q q 0 0 0 rg BT 270.54 340.25 Td (on ) Tj ET Q q 0 0 0 rg BT 282.93 340.25 Td (an ) Tj ET Q q 0 0 0 rg BT 294.76 340.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 327.69 340.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 353.40 340.25 Td (system ) Tj ET Q q 0 0 0 rg BT 383.56 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 400.39 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.00 340.25 Td (application ) Tj ET Q q 0 0 0 rg BT 461.81 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 472.53 340.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 490.48 340.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 532.29 340.25 Td (factors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.74 328.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 87.14 328.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 112.66 328.25 Td (system ) Tj ET Q q 0 0 0 rg BT 142.63 328.25 Td (is ) Tj ET Q q 0 0 0 rg BT 151.49 328.25 Td (described ) Tj ET Q q 0 0 0 rg BT 191.99 328.25 Td (under ) Tj ET Q q 0 0 0 rg BT 216.95 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 231.36 328.25 Td (caption ) Tj ET Q q 0 0 0 rg BT 262.98 328.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 294.60 328.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 324.57 328.25 Td (indicators ) Tj ET Q q 0 0 0 rg BT 370.63 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 380.60 328.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 402.23 328.25 Td (5 ) Tj ET Q q 0 0 0 rg BT 409.42 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.94 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.34 328.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 459.86 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 469.83 328.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 524.79 328.25 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (Statements. ) Tj ET Q q 0 0 0 rg BT 97.59 316.25 Td (The ) Tj ET Q q 0 0 0 rg BT 114.44 316.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 132.96 316.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 157.59 316.25 Td (system ) Tj ET Q q 0 0 0 rg BT 186.67 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.42 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 215.94 316.25 Td (related ) Tj ET Q q 0 0 0 rg BT 244.44 316.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 261.31 316.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 302.04 316.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 330.55 316.25 Td (take ) Tj ET Q q 0 0 0 rg BT 348.51 316.25 Td (into ) Tj ET Q q 0 0 0 rg BT 365.37 316.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 420.55 316.25 Td (parameters ) Tj ET Q q 0 0 0 rg BT 465.71 316.25 Td (including ) Tj ET Q q 0 0 0 rg BT 504.79 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.31 316.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 555.33 316.25 Td () Tj ET Q q 0 0 0 rg BT 558.11 316.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.02 304.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 131.34 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 146.60 304.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 183.63 304.25 Td () Tj ET Q q 0 0 0 rg BT 186.40 304.25 Td (s ) Tj ET Q q 0 0 0 rg BT 193.34 304.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 246.91 304.25 Td (with ) Tj ET Q q 0 0 0 rg BT 267.73 304.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 299.09 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 309.91 304.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 330.17 304.25 Td (terms, ) Tj ET Q q 0 0 0 rg BT 357.93 304.25 Td (and ) Tj ET Q q 0 0 0 rg BT 375.42 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 390.68 304.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 431.48 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 442.85 304.25 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 485.37 304.25 Td (The ) Tj ET Q q 0 0 0 rg BT 503.96 304.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 522.57 304.25 Td (allocation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 79.18 292.25 Td (also ) Tj ET Q q 0 0 0 rg BT 97.26 292.25 Td (take ) Tj ET Q q 0 0 0 rg BT 115.89 292.25 Td (into ) Tj ET Q q 0 0 0 rg BT 133.42 292.25 Td (account ) Tj ET Q q 0 0 0 rg BT 166.49 292.25 Td (general ) Tj ET Q q 0 0 0 rg BT 197.89 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.30 292.25 Td (regional ) Tj ET Q q 0 0 0 rg BT 249.04 292.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 289.89 292.25 Td (statistics, ) Tj ET Q q 0 0 0 rg BT 328.80 292.25 Td (trends, ) Tj ET Q q 0 0 0 rg BT 357.72 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.13 292.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 411.10 292.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 470.26 292.25 Td (such ) Tj ET Q q 0 0 0 rg BT 490.56 292.25 Td (as ) Tj ET Q q 0 0 0 rg BT 500.87 292.25 Td (age ) Tj ET Q q 0 0 0 rg BT 516.72 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.02 292.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.16 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.11 280.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 105.99 280.25 Td (s ) Tj ET Q q 0 0 0 rg BT 112.61 280.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 158.64 280.25 Td (with ) Tj ET Q q 0 0 0 rg BT 179.14 280.25 Td (a ) Tj ET Q q 0 0 0 rg BT 186.31 280.25 Td (particular ) Tj ET Q q 0 0 0 rg BT 227.34 280.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 247.29 280.25 Td (product. ) Tj ET Q q 0 0 0 rg BT 282.86 280.25 Td (W) Tj ET Q q 0 0 0 rg BT 291.50 280.25 Td (e ) Tj ET Q q 0 0 0 rg BT 298.67 280.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 349.15 280.25 Td (reassess ) Tj ET Q q 0 0 0 rg BT 384.09 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.25 280.25 Td (adjust ) Tj ET Q q 0 0 0 rg BT 427.87 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.81 280.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 461.10 280.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 503.25 280.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 533.18 280.25 Td (used ) Tj ET Q q 0 0 0 rg BT 554.24 280.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.99 268.25 Td (assignment ) Tj ET Q q 0 0 0 rg BT 112.76 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.87 268.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 142.20 268.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 172.19 268.25 Td (that ) Tj ET Q q 0 0 0 rg BT 189.96 268.25 Td (we ) Tj ET Q q 0 0 0 rg BT 204.39 268.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 236.04 268.25 Td (are ) Tj ET Q q 0 0 0 rg BT 251.02 268.25 Td (not ) Tj ET Q q 0 0 0 rg BT 266.57 268.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 312.66 268.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 353.75 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.30 268.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 404.29 268.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 422.62 268.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 468.70 268.25 Td (including ) Tj ET Q q 0 0 0 rg BT 509.25 268.25 Td (trends ) Tj ET Q q 0 0 0 rg BT 536.46 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 547.02 268.25 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 74.35 256.25 Td (values, ) Tj ET Q q 0 0 0 rg BT 103.97 256.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 137.76 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 147.12 256.25 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 208.70 256.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 233.60 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 249.62 256.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 287.85 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.21 256.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 347.67 256.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 372.57 256.25 Td (to ) Tj ET Q q 0 0 0 rg BT 381.93 256.25 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 436.83 256.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 463.94 256.25 Td (our ) Tj ET Q q 0 0 0 rg BT 478.85 256.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 512.65 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 522.56 256.25 Td (migratory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.06 244.25 Td (experience.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 226.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 106.14 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.17 226.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 176.77 226.25 Td (is ) Tj ET Q q 0 0 0 rg BT 186.26 226.25 Td (partly ) Tj ET Q q 0 0 0 rg BT 212.41 226.25 Td (based ) Tj ET Q q 0 0 0 rg BT 238.00 226.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 260.82 226.25 Td (peer ) Tj ET Q q 0 0 0 rg BT 280.85 226.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 303.11 226.25 Td (data ) Tj ET Q q 0 0 0 rg BT 322.58 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 339.84 226.25 Td (trends, ) Tj ET Q q 0 0 0 rg BT 369.60 226.25 Td (current ) Tj ET Q q 0 0 0 rg BT 400.74 226.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 442.43 226.25 Td (data ) Tj ET Q q 0 0 0 rg BT 461.91 226.25 Td (as ) Tj ET Q q 0 0 0 rg BT 473.06 226.25 Td (well ) Tj ET Q q 0 0 0 rg BT 493.10 226.25 Td (as ) Tj ET Q q 0 0 0 rg BT 504.25 226.25 Td (management) Tj ET Q q 0 0 0 rg BT 558.12 226.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 91.65 214.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 120.23 214.25 Td (may ) Tj ET Q q 0 0 0 rg BT 138.82 214.25 Td (arise ) Tj ET Q q 0 0 0 rg BT 159.07 214.25 Td (that ) Tj ET Q q 0 0 0 rg BT 175.44 214.25 Td (result ) Tj ET Q q 0 0 0 rg BT 199.03 214.25 Td (in ) Tj ET Q q 0 0 0 rg BT 208.19 214.25 Td (dif) Tj ET Q q 0 0 0 rg BT 219.11 214.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 243.80 214.25 Td (estimations. ) Tj ET Q q 0 0 0 rg BT 292.93 214.25 Td (Adversely ) Tj ET Q q 0 0 0 rg BT 335.40 214.25 Td (dif) Tj ET Q q 0 0 0 rg BT 346.33 214.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 371.02 214.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 414.06 214.25 Td (or ) Tj ET Q q 0 0 0 rg BT 423.76 214.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 474.58 214.25 Td (could ) Tj ET Q q 0 0 0 rg BT 498.18 214.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 516.21 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 525.36 214.25 Td (increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.24 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.92 202.25 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 120.42 202.25 Td (In ) Tj ET Q q 0 0 0 rg BT 131.22 202.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 168.96 202.25 Td (various ) Tj ET Q q 0 0 0 rg BT 200.86 202.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 244.42 202.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 281.31 202.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 331.53 202.25 Td (review ) Tj ET Q q 0 0 0 rg BT 361.20 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.88 202.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 418.88 202.25 Td (for ) Tj ET Q q 0 0 0 rg BT 433.00 202.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 456.58 202.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 485.43 202.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 507.90 202.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 544.79 202.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (require ) Tj ET Q q 0 0 0 rg BT 80.67 190.25 Td (additions ) Tj ET Q q 0 0 0 rg BT 119.68 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 129.81 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.38 190.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 187.26 190.25 Td (based ) Tj ET Q q 0 0 0 rg BT 212.38 190.25 Td (on ) Tj ET Q q 0 0 0 rg BT 224.73 190.25 Td (their ) Tj ET Q q 0 0 0 rg BT 245.40 190.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 289.42 190.25 Td (about ) Tj ET Q q 0 0 0 rg BT 313.98 190.25 Td (information ) Tj ET Q q 0 0 0 rg BT 363.55 190.25 Td (available ) Tj ET Q q 0 0 0 rg BT 401.99 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 412.11 190.25 Td (them ) Tj ET Q q 0 0 0 rg BT 434.46 190.25 Td (at ) Tj ET Q q 0 0 0 rg BT 444.03 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 458.59 190.25 Td (time ) Tj ET Q q 0 0 0 rg BT 478.72 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.40 190.25 Td (their ) Tj ET Q q 0 0 0 rg BT 510.07 190.25 Td (examination. ) 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 63.32 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 73.85 178.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.13 178.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 156.84 178.25 Td (management ) Tj ET Q q 0 0 0 rg BT 210.13 178.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 245.09 178.25 Td (that ) Tj ET Q q 0 0 0 rg BT 262.29 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 276.71 178.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 319.44 178.25 Td (is ) Tj ET Q q 0 0 0 rg BT 328.32 178.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 366.05 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 382.69 178.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 424.89 178.25 Td (with ) Tj ET Q q 0 0 0 rg BT 444.87 178.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 466.51 178.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 496.48 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 513.13 178.25 Td (delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (indicators.) 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 (36) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Stock-based Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.88 724.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.09 724.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 168.63 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.40 724.25 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 230.48 724.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 288.35 724.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 306.79 724.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 339.66 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 349.77 724.25 Td (share-based ) Tj ET Q q 0 0 0 rg BT 399.29 724.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 436.05 724.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 486.15 724.25 Td (based ) Tj ET Q q 0 0 0 rg BT 511.25 724.25 Td (on ) Tj ET Q q 0 0 0 rg BT 523.57 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.12 724.25 Td (grant-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (date ) Tj ET Q q 0 0 0 rg BT 69.27 712.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 85.76 712.25 Td (value ) Tj ET Q q 0 0 0 rg BT 110.03 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.97 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.80 712.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 163.41 712.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 212.69 712.25 Td (issued. ) Tj ET Q q 0 0 0 rg BT 242.62 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 260.78 712.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 277.27 712.25 Td (value ) Tj ET Q q 0 0 0 rg BT 301.54 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 312.48 712.25 Td (time-based ) Tj ET Q q 0 0 0 rg BT 358.97 712.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 398.78 712.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 422.50 712.25 Td (is ) Tj ET Q q 0 0 0 rg BT 431.79 712.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 469.38 712.25 Td (based ) Tj ET Q q 0 0 0 rg BT 494.76 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 507.37 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 522.20 712.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 545.36 712.25 Td (date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.84 700.25 Td (value ) Tj ET Q q 0 0 0 rg BT 91.46 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 102.76 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 117.94 700.25 Td (Company) Tj ET Q q 0 0 0 rg BT 159.61 700.25 Td (s ) Tj ET Q q 0 0 0 rg BT 166.47 700.25 Td (common ) Tj ET Q q 0 0 0 rg BT 204.43 700.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 230.79 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 249.30 700.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 266.15 700.25 Td (value ) Tj ET Q q 0 0 0 rg BT 290.77 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.06 700.25 Td (market-based ) Tj ET Q q 0 0 0 rg BT 358.89 700.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 399.06 700.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 423.14 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 432.77 700.25 Td (based ) Tj ET Q q 0 0 0 rg BT 458.51 700.25 Td (on ) Tj ET Q q 0 0 0 rg BT 471.47 700.25 Td (values ) Tj ET Q q 0 0 0 rg BT 499.99 700.25 Td (derived ) Tj ET Q q 0 0 0 rg BT 532.94 700.25 Td (using ) Tj ET Q q 0 0 0 rg BT 557.57 700.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (Monte ) Tj ET Q q 0 0 0 rg BT 78.77 688.25 Td (Carlo ) Tj ET Q q 0 0 0 rg BT 103.64 688.25 Td (based ) Tj ET Q q 0 0 0 rg BT 129.07 688.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 160.05 688.25 Td (model. ) Tj ET Q q 0 0 0 rg BT 190.02 688.25 Td (The ) Tj ET Q q 0 0 0 rg BT 208.22 688.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 224.76 688.25 Td (value ) Tj ET Q q 0 0 0 rg BT 249.07 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.06 688.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 283.83 688.25 Td (options ) Tj ET Q q 0 0 0 rg BT 315.93 688.25 Td (is ) Tj ET Q q 0 0 0 rg BT 325.26 688.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 372.90 688.25 Td (using ) Tj ET Q q 0 0 0 rg BT 397.23 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.11 688.25 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 472.53 688.25 Td (Option ) Tj ET Q q 0 0 0 rg BT 502.96 688.25 Td (Pricing ) Tj ET Q q 0 0 0 rg BT 534.51 688.25 Td (model. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 101.49 676.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 159.64 676.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 182.25 676.25 Td (are ) Tj ET Q q 0 0 0 rg BT 197.06 676.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 243.53 676.25 Td (over ) Tj ET Q q 0 0 0 rg BT 263.91 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 278.74 676.25 Td (requisite ) Tj ET Q q 0 0 0 rg BT 315.78 676.25 Td (service ) Tj ET Q q 0 0 0 rg BT 346.70 676.25 Td (period ) Tj ET Q q 0 0 0 rg BT 374.86 676.25 Td (for ) Tj ET Q q 0 0 0 rg BT 389.13 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.95 676.25 Td (awards. ) Tj ET Q q 0 0 0 rg BT 437.38 676.25 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 497.76 676.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 532.58 676.25 Td (reflects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 664.25 Td (number ) Tj ET Q q 0 0 0 rg BT 97.76 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.59 664.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 139.41 664.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 177.45 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 187.72 664.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 206.33 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.27 664.25 Td (is ) Tj ET Q q 0 0 0 rg BT 232.44 664.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 268.27 664.25 Td (based ) Tj ET Q q 0 0 0 rg BT 293.54 664.25 Td (on ) Tj ET Q q 0 0 0 rg BT 306.04 664.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 336.86 664.25 Td (that ) Tj ET Q q 0 0 0 rg BT 354.35 664.25 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 397.40 664.25 Td (vest.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Derivative Instrument ) Tj ET Q q 0 0 0 rg BT 147.58 646.25 Td (V) Tj ET Q q 0 0 0 rg BT 153.88 646.25 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.70 628.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.75 628.25 Td (enters ) Tj ET Q q 0 0 0 rg BT 157.78 628.25 Td (into ) Tj ET Q q 0 0 0 rg BT 176.49 628.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 209.08 628.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 227.22 628.25 Td (swap ) Tj ET Q q 0 0 0 rg BT 250.93 628.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 299.62 628.25 Td (as ) Tj ET Q q 0 0 0 rg BT 311.10 628.25 Td (part ) Tj ET Q q 0 0 0 rg BT 329.80 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 341.29 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 356.66 628.25 Td (Company) Tj ET Q q 0 0 0 rg BT 398.33 628.25 Td (s ) Tj ET Q q 0 0 0 rg BT 405.38 628.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 437.96 628.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 456.11 628.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 474.26 628.25 Td (management ) Tj ET Q q 0 0 0 rg BT 528.51 628.25 Td (strategy) Tj ET Q q 0 0 0 rg BT 559.51 628.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.23 616.25 Td (applies ) Tj ET Q q 0 0 0 rg BT 136.58 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.82 616.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 178.72 616.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 225.61 616.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 270.31 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 280.99 616.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 330.67 616.25 Td (Standards ) Tj ET Q q 0 0 0 rg BT 373.13 616.25 Td (Codification ) Tj ET Q q 0 0 0 rg BT 426.15 616.25 Td (\(ASC\) ) Tj ET Q q 0 0 0 rg BT 463.94 616.25 Td (T) Tj ET Q q 0 0 0 rg BT 469.35 616.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 489.60 616.25 Td (815, ) Tj ET Q q 0 0 0 rg BT 510.12 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 527.58 616.25 Td (formally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (documents ) Tj ET Q q 0 0 0 rg BT 95.30 604.25 Td (at ) Tj ET Q q 0 0 0 rg BT 104.49 604.25 Td (inception ) Tj ET Q q 0 0 0 rg BT 143.67 604.25 Td (all ) Tj ET Q q 0 0 0 rg BT 155.64 604.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 208.71 604.25 Td (between ) Tj ET Q q 0 0 0 rg BT 244.00 604.25 Td (hedging ) Tj ET Q q 0 0 0 rg BT 278.19 604.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 326.82 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.23 604.25 Td (hedged ) Tj ET Q q 0 0 0 rg BT 374.08 604.25 Td (items, ) Tj ET Q q 0 0 0 rg BT 400.22 604.25 Td (as ) Tj ET Q q 0 0 0 rg BT 410.52 604.25 Td (well ) Tj ET Q q 0 0 0 rg BT 429.71 604.25 Td (as ) Tj ET Q q 0 0 0 rg BT 440.01 604.25 Td (its ) Tj ET Q q 0 0 0 rg BT 451.43 604.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 468.40 604.25 Td (management ) Tj ET Q q 0 0 0 rg BT 521.46 604.25 Td (objectives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.82 592.25 Td (strategies ) Tj ET Q q 0 0 0 rg BT 106.97 592.25 Td (for ) Tj ET Q q 0 0 0 rg BT 121.02 592.25 Td (undertaking ) Tj ET Q q 0 0 0 rg BT 171.16 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.76 592.25 Td (various ) Tj ET Q q 0 0 0 rg BT 217.59 592.25 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 249.71 592.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 299.62 592.25 Td (, ) Tj ET Q q 0 0 0 rg BT 304.50 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 319.10 592.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 360.37 592.25 Td (assesses ) Tj ET Q q 0 0 0 rg BT 395.53 592.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 430.12 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.72 592.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 487.09 592.25 Td (used ) Tj ET Q q 0 0 0 rg BT 507.80 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 517.96 592.25 Td (its ) Tj ET Q q 0 0 0 rg BT 529.80 592.25 Td (hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 96.05 580.25 Td (is ) Tj ET Q q 0 0 0 rg BT 104.90 580.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 142.60 580.25 Td (to ) Tj ET Q q 0 0 0 rg BT 152.56 580.25 Td (be ) Tj ET Q q 0 0 0 rg BT 164.17 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 180.79 580.25 Td (has ) Tj ET Q q 0 0 0 rg BT 196.30 580.25 Td (been ) Tj ET Q q 0 0 0 rg BT 217.35 580.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 245.08 580.25 Td (ef) Tj ET Q q 0 0 0 rg BT 252.67 580.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 282.05 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.01 580.25 Td (of) Tj ET Q q 0 0 0 rg BT 300.16 580.25 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 332.33 580.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 366.71 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 376.67 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.06 580.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 407.11 580.25 Td (value ) Tj ET Q q 0 0 0 rg BT 430.95 580.25 Td (or ) Tj ET Q q 0 0 0 rg BT 441.45 580.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 461.40 580.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 485.80 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.30 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.70 580.25 Td (hedged ) Tj ET Q q 0 0 0 rg BT 541.75 580.25 Td (item. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.59 568.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.51 568.25 Td (discontinues ) Tj ET Q q 0 0 0 rg BT 163.55 568.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 190.46 568.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 237.38 568.25 Td (when ) Tj ET Q q 0 0 0 rg BT 262.08 568.25 Td (it ) Tj ET Q q 0 0 0 rg BT 270.67 568.25 Td (is ) Tj ET Q q 0 0 0 rg BT 280.38 568.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 328.40 568.25 Td (that ) Tj ET Q q 0 0 0 rg BT 346.44 568.25 Td (a ) Tj ET Q q 0 0 0 rg BT 353.91 568.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 396.93 568.25 Td (is ) Tj ET Q q 0 0 0 rg BT 406.64 568.25 Td (not ) Tj ET Q q 0 0 0 rg BT 422.46 568.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 461.03 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.85 568.25 Td (be ) Tj ET Q q 0 0 0 rg BT 484.33 568.25 Td (or ) Tj ET Q q 0 0 0 rg BT 495.70 568.25 Td (has ) Tj ET Q q 0 0 0 rg BT 512.07 568.25 Td (ceased ) Tj ET Q q 0 0 0 rg BT 541.75 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 552.57 568.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 78.65 556.25 Td (ef) Tj ET Q q 0 0 0 rg BT 86.24 556.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 116.53 556.25 Td (as ) Tj ET Q q 0 0 0 rg BT 127.95 556.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.48 556.25 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 164.95 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 182.48 556.25 Td (then ) Tj ET Q q 0 0 0 rg BT 202.78 556.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 235.30 556.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 270.60 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 281.46 556.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 298.43 556.25 Td (value ) Tj ET Q q 0 0 0 rg BT 323.18 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 334.60 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.91 556.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 392.98 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 403.85 556.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 440.82 556.25 Td (after ) Tj ET Q q 0 0 0 rg BT 462.22 556.25 Td (termination ) Tj ET Q q 0 0 0 rg BT 511.41 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 522.83 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.14 556.25 Td (hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (relationship.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 526.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.52 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 128.39 526.25 Td (has ) Tj ET Q q 0 0 0 rg BT 143.70 526.25 Td (characterized ) Tj ET Q q 0 0 0 rg BT 198.96 526.25 Td (all ) Tj ET Q q 0 0 0 rg BT 210.93 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.24 526.25 Td (its ) Tj ET Q q 0 0 0 rg BT 232.67 526.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 264.08 526.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 281.04 526.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 307.46 526.25 Td (that ) Tj ET Q q 0 0 0 rg BT 324.43 526.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 354.74 526.25 Td (under ) Tj ET Q q 0 0 0 rg BT 379.05 526.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 400.33 526.25 Td (T) Tj ET Q q 0 0 0 rg BT 405.74 526.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 424.94 526.25 Td (815 ) Tj ET Q q 0 0 0 rg BT 441.92 526.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 467.77 526.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 513.62 526.25 Td (as ) Tj ET Q q 0 0 0 rg BT 523.93 526.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 543.67 526.25 Td (flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 83.51 514.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 106.75 514.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 128.32 514.25 Td (hedges ) Tj ET Q q 0 0 0 rg BT 159.33 514.25 Td (are ) Tj ET Q q 0 0 0 rg BT 174.78 514.25 Td (used ) Tj ET Q q 0 0 0 rg BT 196.35 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.37 514.25 Td (minimize ) Tj ET Q q 0 0 0 rg BT 248.38 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.84 514.25 Td (variability ) Tj ET Q q 0 0 0 rg BT 308.18 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 319.20 514.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 340.21 514.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 365.67 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.24 514.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 403.81 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 415.38 514.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 458.34 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 469.91 514.25 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 514.24 514.25 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (caused ) Tj ET Q q 0 0 0 rg BT 79.75 502.25 Td (by ) Tj ET Q q 0 0 0 rg BT 92.29 502.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 124.27 502.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 141.80 502.25 Td (fluctuations, ) Tj ET Q q 0 0 0 rg BT 194.05 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 211.03 502.25 Td (are ) Tj ET Q q 0 0 0 rg BT 225.78 502.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 263.30 502.25 Td (at ) Tj ET Q q 0 0 0 rg BT 273.06 502.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 289.48 502.25 Td (value ) Tj ET Q q 0 0 0 rg BT 313.68 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 324.00 502.25 Td (other ) Tj ET Q q 0 0 0 rg BT 347.09 502.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 372.96 502.25 Td (within ) Tj ET Q q 0 0 0 rg BT 401.06 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.82 502.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 468.91 502.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 501.98 502.25 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 527.57 502.25 Td (Changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.55 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 490.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 92.20 490.25 Td (value ) Tj ET Q q 0 0 0 rg BT 116.63 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 127.74 490.25 Td (these ) Tj ET Q q 0 0 0 rg BT 151.06 490.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 171.60 490.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 192.71 490.25 Td (hedges ) Tj ET Q q 0 0 0 rg BT 223.25 490.25 Td (are ) Tj ET Q q 0 0 0 rg BT 238.24 490.25 Td (initially ) Tj ET Q q 0 0 0 rg BT 272.12 490.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 309.87 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 320.43 490.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 373.73 490.25 Td (other ) Tj ET Q q 0 0 0 rg BT 397.05 490.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 460.36 490.25 Td (income ) Tj ET Q q 0 0 0 rg BT 492.57 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 509.79 490.25 Td (subsequently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 98.03 478.25 Td (into ) Tj ET Q q 0 0 0 rg BT 116.09 478.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 152.47 478.25 Td (when ) Tj ET Q q 0 0 0 rg BT 176.63 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.34 478.25 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 234.93 478.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 281.30 478.25 Td (af) Tj ET Q q 0 0 0 rg BT 288.89 478.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 310.26 478.25 Td (earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (Investment Securities ) Tj ET Q q 0 0 0 rg BT 144.25 460.25 Td (V) Tj ET Q q 0 0 0 rg BT 150.55 460.25 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 442.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 89.35 442.25 Td (values ) Tj ET Q q 0 0 0 rg BT 118.14 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.71 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.17 442.25 Td (Company) Tj ET Q q 0 0 0 rg BT 186.84 442.25 Td (s ) Tj ET Q q 0 0 0 rg BT 193.97 442.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 241.09 442.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 282.10 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 297.55 442.25 Td (based ) Tj ET Q q 0 0 0 rg BT 323.56 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 336.80 442.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 367.26 442.25 Td (market ) Tj ET Q q 0 0 0 rg BT 398.27 442.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 425.39 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.96 442.25 Td (dealer ) Tj ET Q q 0 0 0 rg BT 464.62 442.25 Td (quotes, ) Tj ET Q q 0 0 0 rg BT 496.47 442.25 Td (if ) Tj ET Q q 0 0 0 rg BT 505.83 442.25 Td (available. ) Tj ET Q q 0 0 0 rg BT 547.66 442.25 Td (If ) Tj ET Q q 0 0 0 rg BT 557.56 442.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 80.41 430.25 Td (market ) Tj ET Q q 0 0 0 rg BT 111.36 430.25 Td (price ) Tj ET Q q 0 0 0 rg BT 134.53 430.25 Td (is ) Tj ET Q q 0 0 0 rg BT 144.39 430.25 Td (not ) Tj ET Q q 0 0 0 rg BT 160.36 430.25 Td (available, ) Tj ET Q q 0 0 0 rg BT 202.13 430.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 219.20 430.25 Td (value ) Tj ET Q q 0 0 0 rg BT 244.04 430.25 Td (is ) Tj ET Q q 0 0 0 rg BT 253.90 430.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 295.41 430.25 Td (using ) Tj ET Q q 0 0 0 rg BT 320.27 430.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 350.67 430.25 Td (market ) Tj ET Q q 0 0 0 rg BT 381.63 430.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 408.69 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 423.54 430.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 454.50 430.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 497.72 430.25 Td (The ) Tj ET Q q 0 0 0 rg BT 516.46 430.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 430.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (private ) Tj ET Q q 0 0 0 rg BT 80.38 418.25 Td (placement ) Tj ET Q q 0 0 0 rg BT 124.08 418.25 Td (municipal ) Tj ET Q q 0 0 0 rg BT 166.68 418.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 200.96 418.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 239.67 418.25 Td (bonds, ) Tj ET Q q 0 0 0 rg BT 268.68 418.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 309.05 418.25 Td (as ) Tj ET Q q 0 0 0 rg BT 319.99 418.25 Td (held ) Tj ET Q q 0 0 0 rg BT 339.82 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 350.21 418.25 Td (maturity) Tj ET Q q 0 0 0 rg BT 383.44 418.25 Td (, ) Tj ET Q q 0 0 0 rg BT 388.55 418.25 Td (have ) Tj ET Q q 0 0 0 rg BT 410.04 418.25 Td (no ) Tj ET Q q 0 0 0 rg BT 422.65 418.25 Td (available ) Tj ET Q q 0 0 0 rg BT 461.35 418.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 491.18 418.25 Td (market ) Tj ET Q q 0 0 0 rg BT 521.56 418.25 Td (price. ) Tj ET Q q 0 0 0 rg BT 546.46 418.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.49 406.25 Td (value ) Tj ET Q q 0 0 0 rg BT 90.76 406.25 Td (for ) Tj ET Q q 0 0 0 rg BT 105.03 406.25 Td (these ) Tj ET Q q 0 0 0 rg BT 128.19 406.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 168.56 406.25 Td (is ) Tj ET Q q 0 0 0 rg BT 177.85 406.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 218.78 406.25 Td (using ) Tj ET Q q 0 0 0 rg BT 243.06 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 250.11 406.25 Td (discounted ) Tj ET Q q 0 0 0 rg BT 296.05 406.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 316.43 406.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 337.37 406.25 Td (model. ) Tj ET Q q 0 0 0 rg BT 367.48 406.25 Td (Due ) Tj ET Q q 0 0 0 rg BT 386.75 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.14 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.97 406.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 456.25 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.30 406.25 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 527.00 406.25 Td (involved ) 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 (estimation ) Tj ET Q q 0 0 0 rg BT 119.16 394.25 Td (process, ) Tj ET Q q 0 0 0 rg BT 154.15 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.86 394.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 208.57 394.25 Td (could ) Tj ET Q q 0 0 0 rg BT 233.29 394.25 Td (result ) Tj ET Q q 0 0 0 rg BT 258.01 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 268.29 394.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 311.32 394.25 Td (dif) Tj ET Q q 0 0 0 rg BT 322.25 394.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 348.07 394.25 Td (results ) Tj ET Q q 0 0 0 rg BT 376.67 394.25 Td (under ) Tj ET Q q 0 0 0 rg BT 401.94 394.25 Td (dif) Tj ET Q q 0 0 0 rg BT 412.87 394.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 438.69 394.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 490.63 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.57 394.25 Td (conditions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (Evaluation of Investment Securities for) Tj ET Q q 0 0 0 rg BT 217.03 376.25 Td ( Other) Tj ET Q q 0 0 0 rg BT 244.89 376.25 Td ( ) Tj ET Q q 0 0 0 rg BT 247.21 376.25 Td (Than ) Tj ET Q q 0 0 0 rg BT 272.32 376.25 Td (T) Tj ET Q q 0 0 0 rg BT 278.08 376.25 Td (emporary Impairment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 358.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.56 358.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.46 358.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 170.68 358.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 217.58 358.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 258.36 358.25 Td (within ) Tj ET Q q 0 0 0 rg BT 286.93 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.16 358.25 Td (Company) Tj ET Q q 0 0 0 rg BT 343.83 358.25 Td (s ) Tj ET Q q 0 0 0 rg BT 350.73 358.25 Td (available ) Tj ET Q q 0 0 0 rg BT 389.84 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 404.51 358.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 423.07 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.53 358.25 Td (held ) Tj ET Q q 0 0 0 rg BT 460.76 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.55 358.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 508.45 358.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 550.35 358.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (other) Tj ET Q q 0 0 0 rg BT 70.35 346.25 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 137.47 346.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 185.72 346.25 Td (\(OTTI\), ) Tj ET Q q 0 0 0 rg BT 228.67 346.25 Td (at ) Tj ET Q q 0 0 0 rg BT 238.04 346.25 Td (least ) Tj ET Q q 0 0 0 rg BT 258.51 346.25 Td (quarterly) Tj ET Q q 0 0 0 rg BT 293.96 346.25 Td (. ) Tj ET Q q 0 0 0 rg BT 298.61 346.25 Td (If ) Tj ET Q q 0 0 0 rg BT 307.42 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.78 346.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 337.81 346.25 Td (value ) Tj ET Q q 0 0 0 rg BT 361.62 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 372.10 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 378.68 346.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 398.05 346.25 Td (security ) Tj ET Q q 0 0 0 rg BT 431.86 346.25 Td (is ) Tj ET Q q 0 0 0 rg BT 440.68 346.25 Td (below ) Tj ET Q q 0 0 0 rg BT 467.26 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 481.63 346.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 523.76 346.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 542.02 346.25 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.13 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.16 334.25 Td (security) Tj ET Q q 0 0 0 rg BT 107.16 334.25 Td (, ) Tj ET Q q 0 0 0 rg BT 112.47 334.25 Td (OTTI ) Tj ET Q q 0 0 0 rg BT 138.04 334.25 Td (is ) Tj ET Q q 0 0 0 rg BT 147.51 334.25 Td (required ) Tj ET Q q 0 0 0 rg BT 183.63 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 194.21 334.25 Td (be ) Tj ET Q q 0 0 0 rg BT 206.46 334.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 253.12 334.25 Td (if ) Tj ET Q q 0 0 0 rg BT 262.04 334.25 Td (any ) Tj ET Q q 0 0 0 rg BT 279.28 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.41 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 305.43 334.25 Td (following ) Tj ET Q q 0 0 0 rg BT 347.13 334.25 Td (are ) Tj ET Q q 0 0 0 rg BT 362.14 334.25 Td (met: ) Tj ET Q q 0 0 0 rg BT 382.71 334.25 Td (\(1\)the ) Tj ET Q q 0 0 0 rg BT 411.90 334.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 453.59 334.25 Td (intends ) Tj ET Q q 0 0 0 rg BT 485.28 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.86 334.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 512.55 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.57 334.25 Td (security; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (\(2\)it ) Tj ET Q q 0 0 0 rg BT 72.28 322.25 Td (is ) Tj ET Q q 0 0 0 rg BT 81.51 322.25 Td (more ) Tj ET Q q 0 0 0 rg BT 109.05 322.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 134.39 322.25 Td (than ) Tj ET Q q 0 0 0 rg BT 154.16 322.25 Td (not ) Tj ET Q q 0 0 0 rg BT 173.94 322.25 Td (that ) Tj ET Q q 0 0 0 rg BT 191.49 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.27 322.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 247.72 322.25 Td (will ) Tj ET Q q 0 0 0 rg BT 265.83 322.25 Td (be ) Tj ET Q q 0 0 0 rg BT 277.83 322.25 Td (required ) Tj ET Q q 0 0 0 rg BT 313.71 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 324.05 322.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 340.49 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.27 322.25 Td (security ) Tj ET Q q 0 0 0 rg BT 389.49 322.25 Td (before ) Tj ET Q q 0 0 0 rg BT 417.58 322.25 Td (recovery ) Tj ET Q q 0 0 0 rg BT 455.12 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 466.01 322.25 Td (its ) Tj ET Q q 0 0 0 rg BT 478.02 322.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 520.56 322.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 539.23 322.25 Td (basis; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.78 310.25 Td (\(3\)for ) Tj ET Q q 0 0 0 rg BT 89.06 310.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 108.73 310.25 Td (securities, ) Tj ET Q q 0 0 0 rg BT 151.45 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.12 310.25 Td (present ) Tj ET Q q 0 0 0 rg BT 197.45 310.25 Td (value ) Tj ET Q q 0 0 0 rg BT 221.56 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 232.34 310.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 270.32 310.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 290.55 310.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 315.22 310.25 Td (is ) Tj ET Q q 0 0 0 rg BT 324.35 310.25 Td (not ) Tj ET Q q 0 0 0 rg BT 339.58 310.25 Td (suf) Tj ET Q q 0 0 0 rg BT 351.62 310.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 379.61 310.25 Td (to ) Tj ET Q q 0 0 0 rg BT 389.85 310.25 Td (recover ) Tj ET Q q 0 0 0 rg BT 422.28 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.95 310.25 Td (entire ) Tj ET Q q 0 0 0 rg BT 462.16 310.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 504.60 310.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 523.16 310.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 548.11 310.25 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (all ) Tj ET Q q 0 0 0 rg BT 62.65 298.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 100.85 298.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 120.73 298.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 161.15 298.25 Td (that ) Tj ET Q q 0 0 0 rg BT 178.81 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 193.67 298.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 230.76 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 245.08 298.25 Td (sale, ) Tj ET Q q 0 0 0 rg BT 265.79 298.25 Td (or ) Tj ET Q q 0 0 0 rg BT 276.78 298.25 Td (more ) Tj ET Q q 0 0 0 rg BT 299.98 298.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 325.42 298.25 Td (than ) Tj ET Q q 0 0 0 rg BT 345.29 298.25 Td (not ) Tj ET Q q 0 0 0 rg BT 360.73 298.25 Td (will ) Tj ET Q q 0 0 0 rg BT 378.94 298.25 Td (be ) Tj ET Q q 0 0 0 rg BT 391.04 298.25 Td (required ) Tj ET Q q 0 0 0 rg BT 427.01 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 437.45 298.25 Td (sell, ) Tj ET Q q 0 0 0 rg BT 456.50 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 471.37 298.25 Td (full ) Tj ET Q q 0 0 0 rg BT 487.92 298.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 520.57 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 531.56 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 546.44 298.25 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (is ) Tj ET Q q 0 0 0 rg BT 58.74 286.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 104.66 286.25 Td (as ) Tj ET Q q 0 0 0 rg BT 115.06 286.25 Td (OTTI ) Tj ET Q q 0 0 0 rg BT 139.89 286.25 Td (through ) Tj ET Q q 0 0 0 rg BT 173.07 286.25 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 211.51 286.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 238.57 286.25 Td (related ) Tj ET Q q 0 0 0 rg BT 267.84 286.25 Td (OTTI ) Tj ET Q q 0 0 0 rg BT 292.67 286.25 Td (for ) Tj ET Q q 0 0 0 rg BT 306.40 286.25 Td (all ) Tj ET Q q 0 0 0 rg BT 318.46 286.25 Td (other ) Tj ET Q q 0 0 0 rg BT 341.07 286.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 378.68 286.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 397.96 286.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 437.79 286.25 Td (is ) Tj ET Q q 0 0 0 rg BT 446.52 286.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 492.45 286.25 Td (through ) Tj ET Q q 0 0 0 rg BT 525.63 286.25 Td (earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (Non-credit ) Tj ET Q q 0 0 0 rg BT 96.22 274.25 Td (related ) Tj ET Q q 0 0 0 rg BT 126.33 274.25 Td (OTTI ) Tj ET Q q 0 0 0 rg BT 152.01 274.25 Td (for ) Tj ET Q q 0 0 0 rg BT 166.57 274.25 Td (such ) Tj ET Q q 0 0 0 rg BT 187.81 274.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 207.93 274.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 248.60 274.25 Td (is ) Tj ET Q q 0 0 0 rg BT 258.18 274.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 304.95 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 315.63 274.25 Td (other ) Tj ET Q q 0 0 0 rg BT 339.09 274.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 402.53 274.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 437.37 274.25 Td (net ) Tj ET Q q 0 0 0 rg BT 452.49 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.73 274.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 507.72 274.25 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 533.68 274.25 Td (Should ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 76.80 262.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 106.93 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 124.29 262.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 168.88 262.25 Td (dif) Tj ET Q q 0 0 0 rg BT 179.81 262.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 193.83 262.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 237.29 262.25 Td (from ) Tj ET Q q 0 0 0 rg BT 259.66 262.25 Td (those ) Tj ET Q q 0 0 0 rg BT 283.69 262.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 322.15 262.25 Td (by ) Tj ET Q q 0 0 0 rg BT 335.07 262.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 391.59 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.73 262.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 433.53 262.25 Td (realization ) Tj ET Q q 0 0 0 rg BT 478.65 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.90 262.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 513.94 262.25 Td (or ) Tj ET Q q 0 0 0 rg BT 525.19 262.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.01 262.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.38 250.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 136.65 250.25 Td (could ) Tj ET Q q 0 0 0 rg BT 161.36 250.25 Td (dif) Tj ET Q q 0 0 0 rg BT 172.29 250.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 185.89 250.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 228.93 250.25 Td (from ) Tj ET Q q 0 0 0 rg BT 250.86 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 265.58 250.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 301.97 250.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 339.44 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 349.72 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.44 250.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 401.92 250.25 Td (statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (Deferr) Tj ET Q q 0 0 0 rg BT 78.13 232.25 Td (ed Income ) Tj ET Q q 0 0 0 rg BT 124.60 232.25 Td (T) Tj ET Q q 0 0 0 rg BT 130.36 232.25 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 214.25 Td (In ) Tj ET Q q 0 0 0 rg BT 82.00 214.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 130.64 214.25 Td (with ) Tj ET Q q 0 0 0 rg BT 151.28 214.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 174.14 214.25 Td (T) Tj ET Q q 0 0 0 rg BT 179.55 214.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 200.44 214.25 Td (740, ) Tj ET Q q 0 0 0 rg BT 221.61 214.25 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 226.05 214.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 259.15 214.25 Td (T) Tj ET Q q 0 0 0 rg BT 263.80 214.25 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.57 214.25 Td (, ) Tj ET Q q 0 0 0 rg BT 292.18 214.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 323.05 214.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 355.60 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 367.61 214.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 415.15 214.25 Td (for ) Tj ET Q q 0 0 0 rg BT 430.49 214.25 Td (income ) Tj ET Q q 0 0 0 rg BT 463.59 214.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 487.81 214.25 Td (require ) Tj ET Q q 0 0 0 rg BT 519.80 214.25 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (management ) Tj ET Q q 0 0 0 rg BT 103.75 202.25 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 146.69 202.25 Td (including ) Tj ET Q q 0 0 0 rg BT 187.13 202.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 227.02 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 241.90 202.25 Td (realizability ) Tj ET Q q 0 0 0 rg BT 292.32 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 303.32 202.25 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 341.32 202.25 Td (T) Tj ET Q q 0 0 0 rg BT 346.73 202.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 358.25 202.25 Td (Assets ) Tj ET Q q 0 0 0 rg BT 387.03 202.25 Td (\(DT) Tj ET Q q 0 0 0 rg BT 402.89 202.25 Td (As\). ) Tj ET Q q 0 0 0 rg BT 422.50 202.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 445.16 202.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 489.49 202.25 Td (are ) Tj ET Q q 0 0 0 rg BT 504.37 202.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 547.57 202.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 81.48 190.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 120.17 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 136.10 190.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 187.03 190.25 Td (about ) Tj ET Q q 0 0 0 rg BT 210.73 190.25 Td (matters ) Tj ET Q q 0 0 0 rg BT 241.64 190.25 Td (that ) Tj ET Q q 0 0 0 rg BT 258.12 190.25 Td (are ) Tj ET Q q 0 0 0 rg BT 271.81 190.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 313.84 190.25 Td (uncertain. ) Tj ET Q q 0 0 0 rg BT 355.02 190.25 Td (Should ) Tj ET Q q 0 0 0 rg BT 384.85 190.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 410.20 190.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 438.89 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 454.82 190.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 497.96 190.25 Td (dif) Tj ET Q q 0 0 0 rg BT 508.89 190.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 521.47 190.25 Td (materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (from ) Tj ET Q q 0 0 0 rg BT 73.55 178.25 Td (those ) Tj ET Q q 0 0 0 rg BT 98.77 178.25 Td (used ) Tj ET Q q 0 0 0 rg BT 121.21 178.25 Td (by ) Tj ET Q q 0 0 0 rg BT 135.32 178.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 193.02 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 209.34 178.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 237.33 178.25 Td (realization ) Tj ET Q q 0 0 0 rg BT 283.63 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 296.08 178.25 Td (DT) Tj ET Q q 0 0 0 rg BT 308.60 178.25 Td (As ) Tj ET Q q 0 0 0 rg BT 323.83 178.25 Td (could ) Tj ET Q q 0 0 0 rg BT 350.16 178.25 Td (dif) Tj ET Q q 0 0 0 rg BT 361.08 178.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 376.29 178.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 420.94 178.25 Td (from ) Tj ET Q q 0 0 0 rg BT 444.49 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.82 178.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 498.81 178.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 537.90 178.25 Td (in ) 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 (Consolidated ) Tj ET Q q 0 0 0 rg BT 105.27 166.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 144.99 166.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 191.37 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 208.31 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.02 166.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 283.83 166.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 309.66 166.25 Td (thereto.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 148.25 Td (DT) Tj ET Q q 0 0 0 rg BT 82.53 148.25 Td (As ) Tj ET Q q 0 0 0 rg BT 96.66 148.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 136.88 148.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 176.55 148.25 Td (items ) Tj ET Q q 0 0 0 rg BT 201.23 148.25 Td (for ) Tj ET Q q 0 0 0 rg BT 215.91 148.25 Td (which ) Tj ET Q q 0 0 0 rg BT 243.37 148.25 Td (a ) Tj ET Q q 0 0 0 rg BT 250.83 148.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 281.61 148.25 Td (has ) Tj ET Q q 0 0 0 rg BT 297.96 148.25 Td (been ) Tj ET Q q 0 0 0 rg BT 319.85 148.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 366.73 148.25 Td (for ) Tj ET Q q 0 0 0 rg BT 381.41 148.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 419.41 148.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 466.30 148.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 504.88 148.25 Td (that ) Tj ET Q q 0 0 0 rg BT 522.89 148.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 552.56 148.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 83.89 136.25 Td (for ) Tj ET Q q 0 0 0 rg BT 97.80 136.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 112.27 136.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 150.07 136.25 Td (until ) Tj ET Q q 0 0 0 rg BT 170.65 136.25 Td (a ) Tj ET Q q 0 0 0 rg BT 177.34 136.25 Td (future ) Tj ET Q q 0 0 0 rg BT 203.47 136.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 233.60 136.25 Td (The ) Tj ET Q q 0 0 0 rg BT 251.40 136.25 Td (realization ) Tj ET Q q 0 0 0 rg BT 295.85 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 306.43 136.25 Td (DT) Tj ET Q q 0 0 0 rg BT 318.96 136.25 Td (As ) Tj ET Q q 0 0 0 rg BT 332.32 136.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 367.34 136.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 389.59 136.25 Td (future ) Tj ET Q q 0 0 0 rg BT 415.72 136.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 447.96 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.54 136.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 489.66 136.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 523.68 136.25 Td (V) Tj ET Q q 0 0 0 rg BT 529.79 136.25 Td (aluation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (allowances ) Tj ET Q q 0 0 0 rg BT 96.92 124.25 Td (are ) Tj ET Q q 0 0 0 rg BT 111.63 124.25 Td (established ) Tj ET Q q 0 0 0 rg BT 158.56 124.25 Td (for ) Tj ET Q q 0 0 0 rg BT 172.72 124.25 Td (those ) Tj ET Q q 0 0 0 rg BT 196.33 124.25 Td (DT) Tj ET Q q 0 0 0 rg BT 208.86 124.25 Td (As ) Tj ET Q q 0 0 0 rg BT 222.48 124.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 269.96 124.25 Td (not ) Tj ET Q q 0 0 0 rg BT 285.23 124.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 310.51 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 320.79 124.25 Td (be ) Tj ET Q q 0 0 0 rg BT 332.72 124.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 366.87 124.25 Td (based ) Tj ET Q q 0 0 0 rg BT 392.13 124.25 Td (on ) Tj ET Q q 0 0 0 rg BT 404.63 124.25 Td (management) Tj ET Q q 0 0 0 rg BT 458.50 124.25 Td (s ) Tj ET Q q 0 0 0 rg BT 464.89 124.25 Td (judgment.) 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 (37) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Emerging Gr) Tj ET Q q 0 0 0 rg BT 106.75 742.25 Td (owth Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.98 724.25 Td (JOBS ) Tj ET Q q 0 0 0 rg BT 113.22 724.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 130.09 724.25 Td (permits ) Tj ET Q q 0 0 0 rg BT 162.52 724.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 176.34 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 187.10 724.25 Td (an ) Tj ET Q q 0 0 0 rg BT 198.97 724.25 Td (emer) Tj ET Q q 0 0 0 rg BT 223.21 724.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 243.42 724.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 274.19 724.25 Td (company, ) Tj ET Q q 0 0 0 rg BT 320.21 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 330.42 724.25 Td (take ) Tj ET Q q 0 0 0 rg BT 349.51 724.25 Td (advantage ) Tj ET Q q 0 0 0 rg BT 392.47 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 403.23 724.25 Td (an ) Tj ET Q q 0 0 0 rg BT 415.10 724.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 453.63 724.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 493.83 724.25 Td (period ) Tj ET Q q 0 0 0 rg BT 521.81 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 532.02 724.25 Td (comply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.49 712.25 Td (new ) Tj ET Q q 0 0 0 rg BT 89.85 712.25 Td (or ) Tj ET Q q 0 0 0 rg BT 100.89 712.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 132.48 712.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 179.06 712.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 219.53 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.68 712.25 Td (not ) Tj ET Q q 0 0 0 rg BT 252.16 712.25 Td (commence ) Tj ET Q q 0 0 0 rg BT 298.18 712.25 Td (complying ) Tj ET Q q 0 0 0 rg BT 343.66 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 364.15 712.25 Td (new ) Tj ET Q q 0 0 0 rg BT 383.52 712.25 Td (or ) Tj ET Q q 0 0 0 rg BT 394.55 712.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 426.14 712.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 472.72 712.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 513.19 712.25 Td (until ) Tj ET Q q 0 0 0 rg BT 534.24 712.25 Td (private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 95.14 700.25 Td (must ) Tj ET Q q 0 0 0 rg BT 116.96 700.25 Td (do ) Tj ET Q q 0 0 0 rg BT 129.34 700.25 Td (so. ) Tj ET Q q 0 0 0 rg BT 143.11 700.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 170.47 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.06 700.25 Td (JOBS ) Tj ET Q q 0 0 0 rg BT 210.26 700.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 229.57 700.25 Td (we ) Tj ET Q q 0 0 0 rg BT 243.61 700.25 Td (may ) Tj ET Q q 0 0 0 rg BT 263.20 700.25 Td (make ) Tj ET Q q 0 0 0 rg BT 287.23 700.25 Td (an ) Tj ET Q q 0 0 0 rg BT 299.05 700.25 Td (irrevocable ) Tj ET Q q 0 0 0 rg BT 346.39 700.25 Td (election ) Tj ET Q q 0 0 0 rg BT 380.42 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 390.57 700.25 Td (opt ) Tj ET Q q 0 0 0 rg BT 410.16 700.25 Td (out ) Tj ET Q q 0 0 0 rg BT 429.76 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.46 700.25 Td (that ) Tj ET Q q 0 0 0 rg BT 457.83 700.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 496.30 700.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 536.45 700.25 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.78 688.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 101.11 688.25 Td (with ) Tj ET Q q 0 0 0 rg BT 122.23 688.25 Td (new ) Tj ET Q q 0 0 0 rg BT 142.23 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 153.90 688.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 186.11 688.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 233.32 688.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 274.43 688.25 Td (when ) Tj ET Q q 0 0 0 rg BT 299.43 688.25 Td (public ) Tj ET Q q 0 0 0 rg BT 327.76 688.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 373.87 688.25 Td (that ) Tj ET Q q 0 0 0 rg BT 392.20 688.25 Td (are ) Tj ET Q q 0 0 0 rg BT 407.75 688.25 Td (not ) Tj ET Q q 0 0 0 rg BT 423.86 688.25 Td (emer) Tj ET Q q 0 0 0 rg BT 443.67 688.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 464.79 688.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 496.45 688.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 542.56 688.25 Td (must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (commence ) Tj ET Q q 0 0 0 rg BT 95.81 676.25 Td (complying ) Tj ET Q q 0 0 0 rg BT 141.08 676.25 Td (with ) Tj ET Q q 0 0 0 rg BT 161.36 676.25 Td (those ) Tj ET Q q 0 0 0 rg BT 184.97 676.25 Td (standards. ) Tj ET Q q 0 0 0 rg BT 227.56 676.25 Td (W) Tj ET Q q 0 0 0 rg BT 236.20 676.25 Td (e ) Tj ET Q q 0 0 0 rg BT 243.13 676.25 Td (have ) Tj ET Q q 0 0 0 rg BT 264.51 676.25 Td (elected ) Tj ET Q q 0 0 0 rg BT 295.32 676.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.60 676.25 Td (opt ) Tj ET Q q 0 0 0 rg BT 325.32 676.25 Td (out ) Tj ET Q q 0 0 0 rg BT 345.03 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 355.86 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 370.58 676.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 409.17 676.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 449.45 676.25 Td (period.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (Earnings Overview) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (2018 Earnings Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 622.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.12 622.25 Td (net ) Tj ET Q q 0 0 0 rg BT 102.91 622.25 Td (income ) Tj ET Q q 0 0 0 rg BT 134.91 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 149.14 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 163.93 622.25 Td (year ) Tj ET Q q 0 0 0 rg BT 183.71 622.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 210.15 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 268.81 622.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 291.38 622.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.50 622.25 Td ($17.4 ) Tj ET Q q 0 0 0 rg BT 334.57 622.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.46 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 368.53 622.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.54 622.25 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.29 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 415.86 622.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.76 622.25 Td ($3.6 ) Tj ET Q q 0 0 0 rg BT 446.83 622.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.72 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 480.79 622.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.69 622.25 Td (26.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.52 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 522.59 622.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.14 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.71 610.25 Td (year ) Tj ET Q q 0 0 0 rg BT 94.28 610.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 120.52 610.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 178.96 610.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 203.82 610.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 220.62 610.25 Td (income ) Tj ET Q q 0 0 0 rg BT 252.41 610.25 Td (available ) Tj ET Q q 0 0 0 rg BT 290.86 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.00 610.25 Td (common ) Tj ET Q q 0 0 0 rg BT 338.36 610.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 391.25 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 405.27 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 419.85 610.25 Td (year ) Tj ET Q q 0 0 0 rg BT 439.42 610.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 465.65 610.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 524.10 610.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 546.46 610.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td ($17.4 ) Tj ET Q q 0 0 0 rg BT 75.24 598.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.13 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 109.37 598.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.44 598.25 Td ($2.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.94 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 145.68 598.25 Td (per ) Tj ET Q q 0 0 0 rg BT 161.19 598.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 191.71 598.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 218.05 598.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 260.21 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.73 598.25 Td (net ) Tj ET Q q 0 0 0 rg BT 285.69 598.25 Td (income ) Tj ET Q q 0 0 0 rg BT 317.86 598.25 Td (available ) Tj ET Q q 0 0 0 rg BT 356.69 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 367.21 598.25 Td (common ) Tj ET Q q 0 0 0 rg BT 404.95 598.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 458.23 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 469.30 598.25 Td ($13.8million, ) Tj ET Q q 0 0 0 rg BT 528.43 598.25 Td (or ) Tj ET Q q 0 0 0 rg BT 539.50 598.25 Td ($1.78 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (per ) Tj ET Q q 0 0 0 rg BT 65.52 586.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 96.05 586.25 Td (share ) Tj ET Q q 0 0 0 rg BT 119.91 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 134.32 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.29 586.25 Td (year ) Tj ET Q q 0 0 0 rg BT 169.26 586.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 195.89 586.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 254.73 586.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 279.98 586.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 298.29 586.25 Td (returns ) Tj ET Q q 0 0 0 rg BT 328.81 586.25 Td (on ) Tj ET Q q 0 0 0 rg BT 341.57 586.25 Td (average ) Tj ET Q q 0 0 0 rg BT 375.41 586.25 Td (shareholders' ) Tj ET Q q 0 0 0 rg BT 430.50 586.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 458.25 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.45 586.25 Td (average ) Tj ET Q q 0 0 0 rg BT 509.29 586.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 535.37 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 549.79 586.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (year ) Tj ET Q q 0 0 0 rg BT 69.79 574.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 96.25 574.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 154.92 574.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 180.01 574.25 Td (were ) Tj ET Q q 0 0 0 rg BT 202.02 574.25 Td (10.19% ) Tj ET Q q 0 0 0 rg BT 235.44 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 252.46 574.25 Td (0.94%, ) Tj ET Q q 0 0 0 rg BT 283.38 574.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 331.04 574.25 Td (, ) Tj ET Q q 0 0 0 rg BT 336.13 574.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 378.13 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 388.50 574.25 Td (8.93% ) Tj ET Q q 0 0 0 rg BT 416.91 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.94 574.25 Td (0.80%, ) Tj ET Q q 0 0 0 rg BT 464.85 574.25 Td (respectively ) Tj ET Q q 0 0 0 rg BT 515.75 574.25 Td (for ) Tj ET Q q 0 0 0 rg BT 530.00 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 574.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.38 562.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.96 562.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 544.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.16 544.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 123.53 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.93 544.25 Td (net ) Tj ET Q q 0 0 0 rg BT 148.76 544.25 Td (income ) Tj ET Q q 0 0 0 rg BT 180.81 544.25 Td (for ) Tj ET Q q 0 0 0 rg BT 195.09 544.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 217.70 544.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 259.74 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.14 544.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 292.75 544.25 Td (was ) Tj ET Q q 0 0 0 rg BT 310.92 544.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 350.75 544.25 Td (a ) Tj ET Q q 0 0 0 rg BT 357.80 544.25 Td (result ) Tj ET Q q 0 0 0 rg BT 382.64 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 393.58 544.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 421.75 544.25 Td (net ) Tj ET Q q 0 0 0 rg BT 436.58 544.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 468.63 544.25 Td (income ) Tj ET Q q 0 0 0 rg BT 500.68 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.73 544.25 Td (income ) Tj ET Q q 0 0 0 rg BT 549.78 544.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 85.00 532.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 117.79 532.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 155.57 532.25 Td (from ) Tj ET Q q 0 0 0 rg BT 177.80 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.81 532.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 207.82 532.25 Td (law ) Tj ET Q q 0 0 0 rg BT 225.05 532.25 Td (change ) Tj ET Q q 0 0 0 rg BT 256.15 532.25 Td (enacted ) Tj ET Q q 0 0 0 rg BT 289.48 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 300.04 532.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 325.33 532.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 342.56 532.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 374.79 532.25 Td (income ) Tj ET Q q 0 0 0 rg BT 407.01 532.25 Td (for ) Tj ET Q q 0 0 0 rg BT 421.46 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.47 532.25 Td (year ) Tj ET Q q 0 0 0 rg BT 456.47 532.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 483.13 532.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 532.25 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.75 520.25 Td ($56.3 ) Tj ET Q q 0 0 0 rg BT 92.45 520.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.34 520.25 Td (, ) Tj ET Q q 0 0 0 rg BT 126.04 520.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.68 520.25 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.43 520.25 Td ( ) Tj ET Q q 0 0 0 rg BT 172.63 520.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.16 520.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 202.86 520.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.76 520.25 Td ( ) Tj ET Q q 0 0 0 rg BT 233.96 520.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 275.58 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 285.56 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 299.97 520.25 Td (year ) Tj ET Q q 0 0 0 rg BT 319.38 520.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 345.46 520.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 403.74 520.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 428.44 520.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 446.19 520.25 Td (net ) Tj ET Q q 0 0 0 rg BT 460.61 520.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 492.24 520.25 Td (mar) Tj ET Q q 0 0 0 rg BT 507.61 520.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 522.59 520.25 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 62.24 508.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 84.47 508.25 Td (points ) Tj ET Q q 0 0 0 rg BT 111.15 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 121.17 508.25 Td (3.18% ) Tj ET Q q 0 0 0 rg BT 149.23 508.25 Td (for ) Tj ET Q q 0 0 0 rg BT 163.13 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.58 508.25 Td (year ) Tj ET Q q 0 0 0 rg BT 197.02 508.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 223.14 508.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 281.46 508.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 303.69 508.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 345.35 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 355.36 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.82 508.25 Td (year ) Tj ET Q q 0 0 0 rg BT 389.26 508.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 415.37 508.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 473.69 508.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 495.92 508.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 536.47 508.25 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.38 496.25 Td (on ) Tj ET Q q 0 0 0 rg BT 83.88 496.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 115.81 496.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 148.30 496.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 183.57 496.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 211.62 496.25 Td (by ) Tj ET Q q 0 0 0 rg BT 224.12 496.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 241.61 496.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 280.75 496.25 Td (in ) Tj ET Q q 0 0 0 rg BT 291.03 496.25 Td (our ) Tj ET Q q 0 0 0 rg BT 306.86 496.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 356.57 496.25 Td (marketplace.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 478.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.88 478.25 Td (ef) Tj ET Q q 0 0 0 rg BT 95.46 478.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 129.99 478.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 150.64 478.25 Td (was ) Tj ET Q q 0 0 0 rg BT 168.52 478.25 Td (59.2% ) Tj ET Q q 0 0 0 rg BT 196.67 478.25 Td (for ) Tj ET Q q 0 0 0 rg BT 210.65 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.20 478.25 Td (year ) Tj ET Q q 0 0 0 rg BT 244.73 478.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 270.93 478.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 329.34 478.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 351.66 478.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 393.41 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.51 478.25 Td (54.9% ) Tj ET Q q 0 0 0 rg BT 431.67 478.25 Td (for ) Tj ET Q q 0 0 0 rg BT 445.65 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.19 478.25 Td (year ) Tj ET Q q 0 0 0 rg BT 479.72 478.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.92 478.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 74.14 466.25 Td (The ) Tj ET Q q 0 0 0 rg BT 91.46 466.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 125.99 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 135.54 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.53 466.25 Td (ef) Tj ET Q q 0 0 0 rg BT 157.12 466.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 191.09 466.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 211.19 466.25 Td (was ) Tj ET Q q 0 0 0 rg BT 228.51 466.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 255.83 466.25 Td (by ) Tj ET Q q 0 0 0 rg BT 267.61 466.25 Td (slower ) Tj ET Q q 0 0 0 rg BT 296.04 466.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 326.14 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 335.69 466.25 Td (net ) Tj ET Q q 0 0 0 rg BT 349.68 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 380.89 466.25 Td (income ) Tj ET Q q 0 0 0 rg BT 412.09 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 428.30 466.25 Td (an ) Tj ET Q q 0 0 0 rg BT 439.52 466.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 474.04 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 483.59 466.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 529.80 466.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 92.75 454.25 Td (with ) Tj ET Q q 0 0 0 rg BT 112.18 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.04 454.25 Td (opening ) Tj ET Q q 0 0 0 rg BT 159.91 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 169.90 454.25 Td (three ) Tj ET Q q 0 0 0 rg BT 191.53 454.25 Td (new ) Tj ET Q q 0 0 0 rg BT 209.84 454.25 Td (branches ) Tj ET Q q 0 0 0 rg BT 247.03 454.25 Td (during ) Tj ET Q q 0 0 0 rg BT 274.79 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.66 454.25 Td (second ) Tj ET Q q 0 0 0 rg BT 318.08 454.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 348.05 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.03 454.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 382.18 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 392.17 454.25 Td (well ) Tj ET Q q 0 0 0 rg BT 411.03 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 421.02 454.25 Td (a ) Tj ET Q q 0 0 0 rg BT 427.11 454.25 Td (number ) Tj ET Q q 0 0 0 rg BT 459.31 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 469.29 454.25 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 525.91 454.25 Td (expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 106.64 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.36 442.25 Td (first ) Tj ET Q q 0 0 0 rg BT 139.97 442.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 170.78 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 181.61 442.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 204.11 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 221.61 442.25 Td (caused ) Tj ET Q q 0 0 0 rg BT 251.31 442.25 Td (our ) Tj ET Q q 0 0 0 rg BT 267.14 442.25 Td (ef) Tj ET Q q 0 0 0 rg BT 274.73 442.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 309.43 442.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 330.26 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 340.54 442.25 Td (temporarily ) Tj ET Q q 0 0 0 rg BT 389.69 442.25 Td (jump ) Tj ET Q q 0 0 0 rg BT 412.74 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 423.02 442.25 Td (62.0%.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (2017 Earnings Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.13 406.25 Td (net ) Tj ET Q q 0 0 0 rg BT 102.92 406.25 Td (income ) Tj ET Q q 0 0 0 rg BT 134.93 406.25 Td (for ) Tj ET Q q 0 0 0 rg BT 149.17 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 163.96 406.25 Td (year ) Tj ET Q q 0 0 0 rg BT 183.75 406.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 210.20 406.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 268.86 406.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 291.44 406.25 Td (was ) Tj ET Q q 0 0 0 rg BT 309.57 406.25 Td ($13.8million, ) Tj ET Q q 0 0 0 rg BT 368.54 406.25 Td (an ) Tj ET Q q 0 0 0 rg BT 380.55 406.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 415.89 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 426.79 406.25 Td ($1.5million, ) Tj ET Q q 0 0 0 rg BT 480.76 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 491.67 406.25 Td (12.0%, ) Tj ET Q q 0 0 0 rg BT 522.58 406.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.00 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.44 394.25 Td (year ) Tj ET Q q 0 0 0 rg BT 93.86 394.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 119.96 394.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 178.27 394.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 202.99 394.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 219.65 394.25 Td (income ) Tj ET Q q 0 0 0 rg BT 251.30 394.25 Td (available ) Tj ET Q q 0 0 0 rg BT 289.61 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 299.61 394.25 Td (common ) Tj ET Q q 0 0 0 rg BT 336.83 394.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 389.58 394.25 Td (for ) Tj ET Q q 0 0 0 rg BT 403.46 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 417.90 394.25 Td (year ) Tj ET Q q 0 0 0 rg BT 437.33 394.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 463.43 394.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 521.73 394.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 546.45 394.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td ($13.8million, ) Tj ET Q q 0 0 0 rg BT 109.15 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 120.23 382.25 Td ($1.78 ) Tj ET Q q 0 0 0 rg BT 145.49 382.25 Td (per ) Tj ET Q q 0 0 0 rg BT 161.01 382.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 191.54 382.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 217.89 382.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 260.07 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.61 382.25 Td (net ) Tj ET Q q 0 0 0 rg BT 285.58 382.25 Td (income ) Tj ET Q q 0 0 0 rg BT 317.77 382.25 Td (available ) Tj ET Q q 0 0 0 rg BT 356.61 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 367.15 382.25 Td (common ) Tj ET Q q 0 0 0 rg BT 404.90 382.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 458.19 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 469.27 382.25 Td ($12.4million, ) Tj ET Q q 0 0 0 rg BT 528.42 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 539.51 382.25 Td ($1.62 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (per ) Tj ET Q q 0 0 0 rg BT 65.39 370.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 95.79 370.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 122.01 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 136.29 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.14 370.25 Td (year ) Tj ET Q q 0 0 0 rg BT 170.97 370.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 197.47 370.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 256.17 370.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 281.30 370.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 299.47 370.25 Td (returns ) Tj ET Q q 0 0 0 rg BT 329.86 370.25 Td (on ) Tj ET Q q 0 0 0 rg BT 342.49 370.25 Td (average ) Tj ET Q q 0 0 0 rg BT 376.20 370.25 Td (shareholders' ) Tj ET Q q 0 0 0 rg BT 431.16 370.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 458.78 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.84 370.25 Td (average ) Tj ET Q q 0 0 0 rg BT 509.55 370.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 535.50 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 549.78 370.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (year ) Tj ET Q q 0 0 0 rg BT 70.09 358.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 96.84 358.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 155.81 358.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 181.19 358.25 Td (were ) Tj ET Q q 0 0 0 rg BT 203.50 358.25 Td (8.93% ) Tj ET Q q 0 0 0 rg BT 232.21 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 249.52 358.25 Td (0.80%, ) Tj ET Q q 0 0 0 rg BT 280.73 358.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 328.40 358.25 Td (, ) Tj ET Q q 0 0 0 rg BT 333.78 358.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 376.08 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 386.74 358.25 Td (8.94% ) Tj ET Q q 0 0 0 rg BT 415.45 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 432.77 358.25 Td (0.85%, ) Tj ET Q q 0 0 0 rg BT 463.98 358.25 Td (respectively ) Tj ET Q q 0 0 0 rg BT 515.17 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 529.71 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 358.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.50 346.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 135.20 346.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 160.13 346.25 Td (The ) Tj ET Q q 0 0 0 rg BT 178.29 346.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 215.33 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 225.72 346.25 Td (returns ) Tj ET Q q 0 0 0 rg BT 256.11 346.25 Td (was ) Tj ET Q q 0 0 0 rg BT 274.28 346.25 Td (entirely ) Tj ET Q q 0 0 0 rg BT 307.44 346.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 355.60 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.99 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.83 346.25 Td (write-of) Tj ET Q q 0 0 0 rg BT 412.86 346.25 Td (f ) Tj ET Q q 0 0 0 rg BT 418.80 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 429.75 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.59 346.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 480.51 346.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.35 346.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 517.41 346.25 Td (at ) Tj ET Q q 0 0 0 rg BT 527.24 346.25 Td (year) Tj ET Q q 0 0 0 rg BT 544.25 346.25 Td (-end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 72.50 334.25 Td (due ) Tj ET Q q 0 0 0 rg BT 89.44 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 99.72 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 114.25 334.25 Td (T) Tj ET Q q 0 0 0 rg BT 119.66 334.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 131.60 334.25 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 152.44 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 169.38 334.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 189.11 334.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 206.05 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.88 334.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 316.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.42 316.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 124.05 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 134.70 316.25 Td (net ) Tj ET Q q 0 0 0 rg BT 149.79 316.25 Td (income ) Tj ET Q q 0 0 0 rg BT 182.09 316.25 Td (for ) Tj ET Q q 0 0 0 rg BT 196.63 316.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 219.50 316.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 261.79 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 272.44 316.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 295.32 316.25 Td (was ) Tj ET Q q 0 0 0 rg BT 313.74 316.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 353.83 316.25 Td (due ) Tj ET Q q 0 0 0 rg BT 371.14 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 381.79 316.25 Td (an ) Tj ET Q q 0 0 0 rg BT 394.10 316.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 429.73 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.93 316.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 473.23 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 490.55 316.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 509.52 316.25 Td (on ) Tj ET Q q 0 0 0 rg BT 522.39 316.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 546.37 316.25 Td (as ) Tj ET Q q 0 0 0 rg BT 557.57 316.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (result ) Tj ET Q q 0 0 0 rg BT 74.70 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 85.51 304.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 112.99 304.25 Td (or) Tj ET Q q 0 0 0 rg BT 121.13 304.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 145.27 304.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 164.97 304.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 198.10 304.25 Td (This ) Tj ET Q q 0 0 0 rg BT 218.35 304.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 253.59 304.25 Td (was ) Tj ET Q q 0 0 0 rg BT 271.62 304.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 307.42 304.25 Td (of) Tj ET Q q 0 0 0 rg BT 315.57 304.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 332.49 304.25 Td (by ) Tj ET Q q 0 0 0 rg BT 344.97 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.66 304.25 Td ($3.3million ) Tj ET Q q 0 0 0 rg BT 411.03 304.25 Td (write-of) Tj ET Q q 0 0 0 rg BT 443.06 304.25 Td (f ) Tj ET Q q 0 0 0 rg BT 448.87 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 459.68 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.37 304.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 510.16 304.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 524.86 304.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 546.77 304.25 Td (as ) Tj ET Q q 0 0 0 rg BT 557.58 304.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (result ) Tj ET Q q 0 0 0 rg BT 74.31 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 84.74 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 99.05 292.25 Td (legislation ) Tj ET Q q 0 0 0 rg BT 142.81 292.25 Td (enacted ) Tj ET Q q 0 0 0 rg BT 175.44 292.25 Td (as ) Tj ET Q q 0 0 0 rg BT 185.86 292.25 Td (part ) Tj ET Q q 0 0 0 rg BT 203.51 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.93 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.09 292.25 Td (T) Tj ET Q q 0 0 0 rg BT 233.50 292.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 245.04 292.25 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 265.47 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 282.01 292.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 301.43 292.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 317.96 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 328.39 292.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 352.98 292.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 369.52 292.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 401.05 292.25 Td (income ) Tj ET Q q 0 0 0 rg BT 432.58 292.25 Td (for ) Tj ET Q q 0 0 0 rg BT 446.33 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.65 292.25 Td (year ) Tj ET Q q 0 0 0 rg BT 479.95 292.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.92 292.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 73.31 280.25 Td (was ) Tj ET Q q 0 0 0 rg BT 92.17 280.25 Td ($54.4million, ) Tj ET Q q 0 0 0 rg BT 151.86 280.25 Td (an ) Tj ET Q q 0 0 0 rg BT 164.61 280.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 200.67 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.31 280.25 Td ($5.3million ) Tj ET Q q 0 0 0 rg BT 264.51 280.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 307.24 280.25 Td (to ) Tj ET Q q 0 0 0 rg BT 318.32 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.85 280.25 Td (year ) Tj ET Q q 0 0 0 rg BT 354.36 280.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 381.55 280.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 440.94 280.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 466.74 280.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 485.60 280.25 Td (net ) Tj ET Q q 0 0 0 rg BT 501.13 280.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 533.87 280.25 Td (mar) Tj ET Q q 0 0 0 rg BT 549.23 280.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 90.92 268.25 Td (24 ) Tj ET Q q 0 0 0 rg BT 102.42 268.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 123.93 268.25 Td (points ) Tj ET Q q 0 0 0 rg BT 149.88 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 159.17 268.25 Td (3.30% ) Tj ET Q q 0 0 0 rg BT 186.50 268.25 Td (for ) Tj ET Q q 0 0 0 rg BT 199.67 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.39 268.25 Td (year ) Tj ET Q q 0 0 0 rg BT 232.10 268.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 257.49 268.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 315.07 268.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 336.58 268.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 377.51 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 386.79 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.52 268.25 Td (year ) Tj ET Q q 0 0 0 rg BT 419.23 268.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 444.61 268.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 502.20 268.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 523.70 268.25 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (an ) Tj ET Q q 0 0 0 rg BT 62.24 256.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 97.80 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 108.39 256.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 130.07 256.25 Td (on ) Tj ET Q q 0 0 0 rg BT 142.87 256.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 175.11 256.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 207.90 256.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 243.49 256.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 271.84 256.25 Td (by ) Tj ET Q q 0 0 0 rg BT 284.64 256.25 Td (promotional ) Tj ET Q q 0 0 0 rg BT 336.33 256.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 354.12 256.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 393.57 256.25 Td (to ) Tj ET Q q 0 0 0 rg BT 404.16 256.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 434.72 256.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 484.74 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 495.32 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.34 256.25 Td (market ) Tj ET Q q 0 0 0 rg BT 540.91 256.25 Td (place ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.22 244.25 Td (attract ) Tj ET Q q 0 0 0 rg BT 104.70 244.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 147.19 244.25 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 226.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.88 226.25 Td (ef) Tj ET Q q 0 0 0 rg BT 95.46 226.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 129.99 226.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 150.64 226.25 Td (was ) Tj ET Q q 0 0 0 rg BT 168.52 226.25 Td (54.9% ) Tj ET Q q 0 0 0 rg BT 196.67 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 210.65 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.20 226.25 Td (year ) Tj ET Q q 0 0 0 rg BT 244.73 226.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 270.93 226.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 329.34 226.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 351.66 226.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 393.41 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.51 226.25 Td (56.5% ) Tj ET Q q 0 0 0 rg BT 431.67 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 445.65 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.19 226.25 Td (year ) Tj ET Q q 0 0 0 rg BT 479.72 226.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.92 226.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 74.47 214.25 Td (The ) Tj ET Q q 0 0 0 rg BT 92.13 214.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 147.58 214.25 Td (in ) Tj ET Q q 0 0 0 rg BT 157.47 214.25 Td (our ) Tj ET Q q 0 0 0 rg BT 172.93 214.25 Td (ef) Tj ET Q q 0 0 0 rg BT 180.51 214.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 214.84 214.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 235.28 214.25 Td (was ) Tj ET Q q 0 0 0 rg BT 252.95 214.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 300.61 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 310.51 214.25 Td (our ) Tj ET Q q 0 0 0 rg BT 325.96 214.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 349.74 214.25 Td (on ) Tj ET Q q 0 0 0 rg BT 361.86 214.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 396.19 214.25 Td (control ) Tj ET Q q 0 0 0 rg BT 426.64 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 443.20 214.25 Td (achieving ) Tj ET Q q 0 0 0 rg BT 484.19 214.25 Td (economies ) Tj ET Q q 0 0 0 rg BT 529.07 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 539.52 214.25 Td (scale.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (Results of Operations) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (Net Interest Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 160.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 86.96 160.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 118.92 160.25 Td (income ) Tj ET Q q 0 0 0 rg BT 150.87 160.25 Td (is ) Tj ET Q q 0 0 0 rg BT 160.06 160.25 Td (the ) Tj ET Q q 0 0 0 rg BT 174.80 160.25 Td (dif) Tj ET Q q 0 0 0 rg BT 185.73 160.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 217.67 160.25 Td (between ) Tj ET Q q 0 0 0 rg BT 253.50 160.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 285.46 160.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 314.63 160.25 Td (on ) Tj ET Q q 0 0 0 rg BT 327.15 160.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 350.78 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.74 160.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 408.02 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 424.99 160.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 456.94 160.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 476.68 160.25 Td (on ) Tj ET Q q 0 0 0 rg BT 489.20 160.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 524.50 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 160.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 99.79 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 115.97 148.25 Td (is ) Tj ET Q q 0 0 0 rg BT 124.38 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.34 148.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 171.73 148.25 Td (source ) Tj ET Q q 0 0 0 rg BT 199.57 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.64 148.25 Td (our ) Tj ET Q q 0 0 0 rg BT 224.71 148.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 264.21 148.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 297.89 148.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 314.06 148.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.24 148.25 Td (income ) Tj ET Q q 0 0 0 rg BT 376.41 148.25 Td (is ) Tj ET Q q 0 0 0 rg BT 384.82 148.25 Td (af) Tj ET Q q 0 0 0 rg BT 392.41 148.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 418.57 148.25 Td (by ) Tj ET Q q 0 0 0 rg BT 430.31 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.27 148.25 Td (level ) Tj ET Q q 0 0 0 rg BT 465.44 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 475.51 148.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 506.68 148.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 529.80 148.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.21 136.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 92.07 136.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 113.38 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 130.25 136.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 164.89 136.25 Td (in ) Tj ET Q q 0 0 0 rg BT 175.10 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.74 136.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 222.17 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 239.04 136.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 290.91 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 301.67 136.25 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 366.85 136.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 392.61 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 409.48 136.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 474.66 136.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 516.81 136.25 Td (Included ) Tj ET Q q 0 0 0 rg BT 554.23 136.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.88 124.25 Td (income ) Tj ET Q q 0 0 0 rg BT 113.76 124.25 Td (are ) Tj ET Q q 0 0 0 rg BT 128.42 124.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 158.07 124.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 177.73 124.25 Td (fees, ) Tj ET Q q 0 0 0 rg BT 198.78 124.25 Td (such ) Tj ET Q q 0 0 0 rg BT 219.56 124.25 Td (as ) Tj ET Q q 0 0 0 rg BT 230.33 124.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 266.09 124.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 312.42 124.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 330.96 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 347.85 124.25 Td (late ) Tj ET Q q 0 0 0 rg BT 364.73 124.25 Td (char) Tj ET Q q 0 0 0 rg BT 381.76 124.25 Td (ges. ) Tj ET Q q 0 0 0 rg BT 399.86 124.25 Td (W) Tj ET Q q 0 0 0 rg BT 408.50 124.25 Td (e ) Tj ET Q q 0 0 0 rg BT 415.38 124.25 Td (convert ) Tj ET Q q 0 0 0 rg BT 447.81 124.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 495.24 124.25 Td (income ) Tj ET Q q 0 0 0 rg BT 527.12 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 537.35 124.25 Td (a ) Tj ET Q q 0 0 0 rg BT 544.24 124.25 Td (FTE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.71 112.25 Td (using ) Tj ET Q q 0 0 0 rg BT 97.08 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.01 112.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 149.71 112.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 180.17 112.25 Td (income ) Tj ET Q q 0 0 0 rg BT 212.31 112.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 227.24 112.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 244.93 112.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 280.96 112.25 Td (for ) Tj ET Q q 0 0 0 rg BT 295.33 112.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 339.13 112.25 Td (state ) Tj ET Q q 0 0 0 rg BT 360.16 112.25 Td (income ) Tj ET Q q 0 0 0 rg BT 392.30 112.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 415.56 112.25 Td (net ) Tj ET Q q 0 0 0 rg BT 430.48 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.52 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.44 112.25 Td (related ) Tj ET Q q 0 0 0 rg BT 486.35 112.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 516.81 112.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 531.74 112.25 Td (benefit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.17 100.25 Td (average ) Tj ET Q q 0 0 0 rg BT 101.88 100.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 138.94 100.25 Td (are ) Tj ET Q q 0 0 0 rg BT 153.77 100.25 Td (principally ) Tj ET Q q 0 0 0 rg BT 199.72 100.25 Td (daily ) Tj ET Q q 0 0 0 rg BT 222.34 100.25 Td (averages. ) Tj ET Q q 0 0 0 rg BT 262.44 100.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 295.05 100.25 Td (income ) Tj ET Q q 0 0 0 rg BT 327.11 100.25 Td (on ) Tj ET Q q 0 0 0 rg BT 339.74 100.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 363.48 100.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 399.43 100.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.27 100.25 Td (ef) Tj ET Q q 0 0 0 rg BT 421.86 100.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 439.47 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 450.43 100.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 486.36 100.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 506.21 100.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 524.93 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 542.00 100.25 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 93.22 88.25 Td (for ) Tj ET Q q 0 0 0 rg BT 107.57 88.25 Td (as ) Tj ET Q q 0 0 0 rg BT 118.59 88.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 141.27 88.25 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 194.23 88.25 Td (Premium ) Tj ET Q q 0 0 0 rg BT 233.58 88.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 286.81 88.25 Td (and ) Tj ET Q q 0 0 0 rg BT 303.94 88.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 340.51 88.25 Td (accretion ) Tj ET Q q 0 0 0 rg BT 379.84 88.25 Td (are ) Tj ET Q q 0 0 0 rg BT 394.73 88.25 Td (included ) Tj ET Q q 0 0 0 rg BT 431.86 88.25 Td (in ) Tj ET Q q 0 0 0 rg BT 442.32 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.23 88.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 500.45 88.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.57 88.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 76.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 98.87 76.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.58 76.25 Td (amounts.) 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 (38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Y) Tj ET Q q 0 0 0 rg BT 56.11 742.25 Td (ear) Tj ET Q q 0 0 0 rg BT 69.81 742.25 Td ( ended December) Tj ET Q q 0 0 0 rg BT 143.50 742.25 Td (31, 2018 compar) Tj ET Q q 0 0 0 rg BT 216.08 742.25 Td (ed to year) Tj ET Q q 0 0 0 rg BT 258.11 742.25 Td ( ended December) Tj ET Q q 0 0 0 rg BT 331.80 742.25 Td (31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 89.83 724.25 Td (net ) Tj ET Q q 0 0 0 rg BT 104.11 724.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.60 724.25 Td (income ) Tj ET Q q 0 0 0 rg BT 167.08 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 180.80 724.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 218.67 724.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 244.60 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 302.74 724.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 324.80 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 341.29 724.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 363.35 724.25 Td (was ) Tj ET Q q 0 0 0 rg BT 380.96 724.25 Td ($56.6million ) Tj ET Q q 0 0 0 rg BT 436.90 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.40 724.25 Td ($55.0million, ) Tj ET Q q 0 0 0 rg BT 511.85 724.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.51 724.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.85 712.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 98.70 712.25 Td (income ) Tj ET Q q 0 0 0 rg BT 130.55 712.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 170.72 712.25 Td (due ) Tj ET Q q 0 0 0 rg BT 187.57 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 197.76 712.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 225.73 712.25 Td (yields ) Tj ET Q q 0 0 0 rg BT 252.03 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 268.88 712.25 Td (an ) Tj ET Q q 0 0 0 rg BT 280.73 712.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 315.90 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 326.09 712.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 358.49 712.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 384.24 712.25 Td (of) Tj ET Q q 0 0 0 rg BT 392.39 712.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 409.24 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 421.66 712.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 449.62 712.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 470.91 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 487.76 712.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 520.17 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 532.59 712.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 82.49 700.25 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 682.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 89.24 682.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 110.71 682.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 141.61 682.25 Td (income ) Tj ET Q q 0 0 0 rg BT 172.51 682.25 Td (for ) Tj ET Q q 0 0 0 rg BT 185.64 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.32 682.25 Td (year ) Tj ET Q q 0 0 0 rg BT 217.99 682.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 243.34 682.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 300.89 682.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 322.35 682.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 361.57 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 373.04 682.25 Td ($8.5million ) Tj ET Q q 0 0 0 rg BT 423.40 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.64 682.25 Td ($80.3million, ) Tj ET Q q 0 0 0 rg BT 490.50 682.25 Td (or ) Tj ET Q q 0 0 0 rg BT 500.30 682.25 Td (12%, ) Tj ET Q q 0 0 0 rg BT 522.59 682.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.58 670.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 81.16 670.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 103.96 670.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 136.20 670.25 Td (income ) Tj ET Q q 0 0 0 rg BT 168.44 670.25 Td (for ) Tj ET Q q 0 0 0 rg BT 182.90 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.92 670.25 Td (year ) Tj ET Q q 0 0 0 rg BT 217.93 670.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 244.61 670.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 303.50 670.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 326.30 670.25 Td (due ) Tj ET Q q 0 0 0 rg BT 343.54 670.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 383.55 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 394.14 670.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 425.27 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 435.85 670.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 464.20 670.25 Td (yielding ) Tj ET Q q 0 0 0 rg BT 499.78 670.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.01 670.25 Td (earning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 78.71 658.25 Td (specifically) Tj ET Q q 0 0 0 rg BT 124.15 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 129.54 658.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 149.64 658.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 180.86 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 198.18 658.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 221.06 658.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 260.59 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 271.25 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 287.47 658.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 337.55 658.25 Td (real ) Tj ET Q q 0 0 0 rg BT 355.42 658.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 381.07 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 398.39 658.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 448.47 658.25 Td (business ) Tj ET Q q 0 0 0 rg BT 485.25 658.25 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 528.88 658.25 Td (A) Tj ET Q q 0 0 0 rg BT 535.36 658.25 Td (verage ) 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 81.38 646.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 113.31 646.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 138.59 646.25 Td (were ) Tj ET Q q 0 0 0 rg BT 159.96 646.25 Td ($1.8billion ) Tj ET Q q 0 0 0 rg BT 208.02 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 221.63 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.79 646.25 Td (year ) Tj ET Q q 0 0 0 rg BT 254.94 646.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 280.76 646.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 338.79 646.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 363.24 646.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 406.28 646.25 Td (by ) Tj ET Q q 0 0 0 rg BT 418.23 646.25 Td ($1) Tj ET Q q 0 0 0 rg BT 427.85 646.25 Td (15.5million, ) Tj ET Q q 0 0 0 rg BT 481.19 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 491.47 646.25 Td (7%, ) Tj ET Q q 0 0 0 rg BT 509.24 646.25 Td (from ) Tj ET Q q 0 0 0 rg BT 530.63 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.79 646.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.67 634.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 135.54 634.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 160.63 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 178.97 634.25 Td (average ) Tj ET Q q 0 0 0 rg BT 212.85 634.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 246.17 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.30 634.25 Td (total ) Tj ET Q q 0 0 0 rg BT 277.86 634.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 301.76 634.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 342.31 634.25 Td ($1) Tj ET Q q 0 0 0 rg BT 351.94 634.25 Td (12.6million, ) Tj ET Q q 0 0 0 rg BT 406.12 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 417.24 634.25 Td (8%, ) Tj ET Q q 0 0 0 rg BT 435.86 634.25 Td (contributing ) Tj ET Q q 0 0 0 rg BT 487.54 634.25 Td ($7.9million ) Tj ET Q q 0 0 0 rg BT 539.22 634.25 Td (to ) 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 (increase ) Tj ET Q q 0 0 0 rg BT 84.37 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 93.75 622.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 124.80 622.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 158.23 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 175.39 622.25 Td (total ) Tj ET Q q 0 0 0 rg BT 194.77 622.25 Td (average ) Tj ET Q q 0 0 0 rg BT 227.47 622.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 259.61 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.55 622.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 308.93 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 322.20 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.03 622.25 Td (year ) Tj ET Q q 0 0 0 rg BT 354.84 622.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 380.33 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 438.03 622.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 459.64 622.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 499.00 622.25 Td (by ) Tj ET Q q 0 0 0 rg BT 510.62 622.25 Td ($9.5million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.56 610.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 80.61 610.25 Td (from ) Tj ET Q q 0 0 0 rg BT 103.28 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.72 610.25 Td (year ) Tj ET Q q 0 0 0 rg BT 139.16 610.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 166.26 610.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 225.57 610.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 251.06 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 269.84 610.25 Td (total ) Tj ET Q q 0 0 0 rg BT 290.84 610.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 314.06 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 325.06 610.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 362.17 610.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 388.72 610.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 429.70 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 440.71 610.25 Td (4.45% ) Tj ET Q q 0 0 0 rg BT 469.76 610.25 Td (at ) Tj ET Q q 0 0 0 rg BT 480.21 610.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.52 610.25 Td (2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 92.53 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 103.41 598.25 Td (4.25% ) Tj ET Q q 0 0 0 rg BT 132.35 598.25 Td (at ) Tj ET Q q 0 0 0 rg BT 142.67 598.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 201.86 598.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 227.24 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 245.89 598.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 281.75 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.63 598.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 315.73 598.25 Td (was ) Tj ET Q q 0 0 0 rg BT 334.38 598.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 374.70 598.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 403.35 598.25 Td (by ) Tj ET Q q 0 0 0 rg BT 416.46 598.25 Td (an ) Tj ET Q q 0 0 0 rg BT 429.00 598.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 464.86 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 475.74 598.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 497.72 598.25 Td (on ) Tj ET Q q 0 0 0 rg BT 510.83 598.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 535.04 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 552.58 598.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.25 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 95.53 586.25 Td (income ) Tj ET Q q 0 0 0 rg BT 127.47 586.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 156.61 586.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 194.11 586.25 Td (from ) Tj ET Q q 0 0 0 rg BT 216.04 586.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 235.76 586.25 Td (prepayments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 568.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 102.21 568.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 136.63 568.25 Td (for ) Tj ET Q q 0 0 0 rg BT 150.51 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.95 568.25 Td (year ) Tj ET Q q 0 0 0 rg BT 184.38 568.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 210.48 568.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 268.78 568.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 293.50 568.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 333.48 568.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.70 568.25 Td ($6.9 ) Tj ET Q q 0 0 0 rg BT 365.42 568.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.31 568.25 Td (, ) Tj ET Q q 0 0 0 rg BT 399.03 568.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.58 568.25 Td (41%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.91 568.25 Td (, ) Tj ET Q q 0 0 0 rg BT 432.63 568.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 474.28 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 484.28 568.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.93 568.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 550.36 568.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 72.59 556.25 Td (due ) Tj ET Q q 0 0 0 rg BT 89.62 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 99.99 556.25 Td (an ) Tj ET Q q 0 0 0 rg BT 112.02 556.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 147.36 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 157.73 556.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 190.31 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.34 556.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 246.58 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 256.95 556.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 278.42 556.25 Td (on ) Tj ET Q q 0 0 0 rg BT 291.01 556.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 323.03 556.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 355.61 556.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 390.97 556.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 419.11 556.25 Td (by ) Tj ET Q q 0 0 0 rg BT 431.70 556.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 449.28 556.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 488.51 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 498.88 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 514.80 556.25 Td (competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (marketplace. ) Tj ET Q q 0 0 0 rg BT 103.47 544.25 Td (The ) Tj ET Q q 0 0 0 rg BT 121.30 544.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 160.24 544.25 Td (average ) Tj ET Q q 0 0 0 rg BT 193.61 544.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 212.00 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 222.61 544.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 257.67 544.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 297.70 544.25 Td (41 ) Tj ET Q q 0 0 0 rg BT 309.98 544.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 332.27 544.25 Td (points ) Tj ET Q q 0 0 0 rg BT 359.00 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 369.06 544.25 Td (1.47% ) Tj ET Q q 0 0 0 rg BT 397.17 544.25 Td (due ) Tj ET Q q 0 0 0 rg BT 413.89 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 423.95 544.25 Td (an ) Tj ET Q q 0 0 0 rg BT 435.67 544.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 470.70 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.76 544.25 Td (market ) Tj ET Q q 0 0 0 rg BT 510.81 544.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 531.97 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 548.69 544.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (desire ) Tj ET Q q 0 0 0 rg BT 75.79 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 85.48 532.25 Td (attract ) Tj ET Q q 0 0 0 rg BT 112.38 532.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 154.28 532.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 191.33 532.25 Td (The ) Tj ET Q q 0 0 0 rg BT 208.79 532.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 247.36 532.25 Td (average ) Tj ET Q q 0 0 0 rg BT 280.36 532.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 298.38 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 308.62 532.25 Td (borrowed ) Tj ET Q q 0 0 0 rg BT 348.85 532.25 Td (money ) Tj ET Q q 0 0 0 rg BT 377.98 532.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 417.65 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 429.56 532.25 Td (1) Tj ET Q q 0 0 0 rg BT 434.19 532.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 441.11 532.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 463.02 532.25 Td (points ) Tj ET Q q 0 0 0 rg BT 489.38 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 499.07 532.25 Td (2.21%. ) Tj ET Q q 0 0 0 rg BT 528.89 532.25 Td (A) Tj ET Q q 0 0 0 rg BT 535.37 532.25 Td (verage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 83.45 520.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 117.45 520.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 158.68 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 174.36 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 190.59 520.25 Td (year ) Tj ET Q q 0 0 0 rg BT 211.82 520.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 239.71 520.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 299.81 520.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 323.83 520.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 365.60 520.25 Td (by ) Tj ET Q q 0 0 0 rg BT 379.61 520.25 Td ($106.9million, ) Tj ET Q q 0 0 0 rg BT 445.02 520.25 Td (or ) Tj ET Q q 0 0 0 rg BT 457.37 520.25 Td (8%, ) Tj ET Q q 0 0 0 rg BT 477.21 520.25 Td (from ) Tj ET Q q 0 0 0 rg BT 500.67 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.90 520.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 520.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 508.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 133.58 508.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 173.30 508.25 Td (due ) Tj ET Q q 0 0 0 rg BT 190.23 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 200.51 508.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 228.56 508.25 Td (average ) Tj ET Q q 0 0 0 rg BT 262.14 508.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 299.07 508.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.35 508.25 Td (money ) Tj ET Q q 0 0 0 rg BT 339.06 508.25 Td (market ) Tj ET Q q 0 0 0 rg BT 369.33 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 386.26 508.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 418.76 508.25 Td (accounts.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (Y) Tj ET Q q 0 0 0 rg BT 56.11 490.25 Td (ear) Tj ET Q q 0 0 0 rg BT 69.81 490.25 Td ( ended December) Tj ET Q q 0 0 0 rg BT 143.50 490.25 Td (31, 2017 compar) Tj ET Q q 0 0 0 rg BT 216.08 490.25 Td (ed to year) Tj ET Q q 0 0 0 rg BT 258.11 490.25 Td ( ended December) Tj ET Q q 0 0 0 rg BT 331.80 490.25 Td (31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 89.83 472.25 Td (net ) Tj ET Q q 0 0 0 rg BT 104.11 472.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.60 472.25 Td (income ) Tj ET Q q 0 0 0 rg BT 167.08 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 180.80 472.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 218.67 472.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 244.60 472.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 302.74 472.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 324.80 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 341.29 472.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 363.35 472.25 Td (was ) Tj ET Q q 0 0 0 rg BT 380.96 472.25 Td ($55.0million ) Tj ET Q q 0 0 0 rg BT 436.90 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.40 472.25 Td ($49.7million, ) Tj ET Q q 0 0 0 rg BT 511.85 472.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.51 472.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 67.46 460.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 99.91 460.25 Td (income ) Tj ET Q q 0 0 0 rg BT 132.36 460.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 173.14 460.25 Td (due ) Tj ET Q q 0 0 0 rg BT 190.59 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 201.39 460.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 241.06 460.25 Td (in ) Tj ET Q q 0 0 0 rg BT 251.85 460.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 284.86 460.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 311.21 460.25 Td (of) Tj ET Q q 0 0 0 rg BT 319.36 460.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 336.81 460.25 Td (by ) Tj ET Q q 0 0 0 rg BT 349.83 460.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 378.40 460.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 400.29 460.25 Td (and ) Tj ET Q q 0 0 0 rg BT 417.75 460.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 450.77 460.25 Td (on ) Tj ET Q q 0 0 0 rg BT 463.78 460.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 496.24 460.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 529.24 460.25 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 78.05 448.25 Td (by ) Tj ET Q q 0 0 0 rg BT 90.55 448.25 Td (our ) Tj ET Q q 0 0 0 rg BT 106.38 448.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 148.31 448.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 180.80 448.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 202.73 448.25 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 430.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 91.49 430.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 115.20 430.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 148.34 430.25 Td (income ) Tj ET Q q 0 0 0 rg BT 181.48 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 196.85 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.77 430.25 Td (year ) Tj ET Q q 0 0 0 rg BT 233.69 430.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 261.27 430.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 321.07 430.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 344.78 430.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 386.24 430.25 Td (by ) Tj ET Q q 0 0 0 rg BT 399.95 430.25 Td ($10.2million ) Tj ET Q q 0 0 0 rg BT 457.55 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 469.03 430.25 Td ($71.8million, ) Tj ET Q q 0 0 0 rg BT 529.13 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 541.17 430.25 Td (17%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.86 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 102.08 418.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 122.29 418.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 144.73 418.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.60 418.25 Td (income ) Tj ET Q q 0 0 0 rg BT 208.48 418.25 Td (for ) Tj ET Q q 0 0 0 rg BT 222.57 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 237.23 418.25 Td (year ) Tj ET Q q 0 0 0 rg BT 256.87 418.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 283.19 418.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 341.71 418.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 364.15 418.25 Td (due ) Tj ET Q q 0 0 0 rg BT 381.02 418.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 420.67 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 430.89 418.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 461.66 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 471.88 418.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 503.75 418.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 536.17 418.25 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (specifically) Tj ET Q q 0 0 0 rg BT 95.44 406.25 Td (, ) Tj ET Q q 0 0 0 rg BT 100.49 406.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 120.26 406.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 151.14 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 161.47 406.25 Td (our ) Tj ET Q q 0 0 0 rg BT 177.35 406.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 227.09 406.25 Td (real ) Tj ET Q q 0 0 0 rg BT 244.63 406.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 269.94 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 286.93 406.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 336.68 406.25 Td (business ) Tj ET Q q 0 0 0 rg BT 373.12 406.25 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 416.50 406.25 Td (A) Tj ET Q q 0 0 0 rg BT 422.98 406.25 Td (verage ) Tj ET Q q 0 0 0 rg BT 452.17 406.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 484.15 406.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 516.69 406.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 542.57 406.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td ($1.7billion ) Tj ET Q q 0 0 0 rg BT 98.76 394.25 Td (for ) Tj ET Q q 0 0 0 rg BT 113.06 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.93 394.25 Td (year ) Tj ET Q q 0 0 0 rg BT 147.78 394.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 174.30 394.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 233.03 394.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 255.68 394.25 Td (up ) Tj ET Q q 0 0 0 rg BT 268.32 394.25 Td (by ) Tj ET Q q 0 0 0 rg BT 280.97 394.25 Td ($263.2million, ) Tj ET Q q 0 0 0 rg BT 345.00 394.25 Td (or ) Tj ET Q q 0 0 0 rg BT 355.98 394.25 Td (19%, ) Tj ET Q q 0 0 0 rg BT 379.46 394.25 Td (from ) Tj ET Q q 0 0 0 rg BT 401.54 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.40 394.25 Td (year ) Tj ET Q q 0 0 0 rg BT 436.25 394.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 462.78 394.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 521.51 394.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 546.46 394.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (average ) Tj ET Q q 0 0 0 rg BT 83.43 382.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 116.30 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 126.97 382.25 Td (total ) Tj ET Q q 0 0 0 rg BT 147.09 382.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 170.54 382.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 210.64 382.25 Td ($209.8million, ) Tj ET Q q 0 0 0 rg BT 274.37 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 285.05 382.25 Td (17%, ) Tj ET Q q 0 0 0 rg BT 308.22 382.25 Td (contributing ) Tj ET Q q 0 0 0 rg BT 359.44 382.25 Td ($8.8million ) Tj ET Q q 0 0 0 rg BT 410.68 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.80 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 435.36 382.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 470.46 382.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.58 382.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 512.35 382.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 546.46 382.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (total ) Tj ET Q q 0 0 0 rg BT 70.38 370.25 Td (average ) Tj ET Q q 0 0 0 rg BT 104.06 370.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 137.19 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.13 370.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 188.49 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 202.75 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.57 370.25 Td (year ) Tj ET Q q 0 0 0 rg BT 237.38 370.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 263.86 370.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 322.54 370.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 345.15 370.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 385.50 370.25 Td (by ) Tj ET Q q 0 0 0 rg BT 398.10 370.25 Td ($8.9million, ) Tj ET Q q 0 0 0 rg BT 452.10 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 463.03 370.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 481.46 370.25 Td (from ) Tj ET Q q 0 0 0 rg BT 503.50 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.32 370.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 370.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.34 358.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 131.00 358.25 Td (The ) Tj ET Q q 0 0 0 rg BT 147.80 358.25 Td (total ) Tj ET Q q 0 0 0 rg BT 166.83 358.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 188.08 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 197.11 358.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 232.24 358.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 256.83 358.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 297.49 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 306.53 358.25 Td (4.25% ) Tj ET Q q 0 0 0 rg BT 333.61 358.25 Td (at ) Tj ET Q q 0 0 0 rg BT 342.08 358.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 399.42 358.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 420.67 358.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 461.35 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 470.38 358.25 Td (4.31% ) Tj ET Q q 0 0 0 rg BT 497.47 358.25 Td (at ) Tj ET Q q 0 0 0 rg BT 505.94 358.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 74.43 346.25 Td (The ) Tj ET Q q 0 0 0 rg BT 92.05 346.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 128.54 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 138.39 346.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 160.46 346.25 Td (was ) Tj ET Q q 0 0 0 rg BT 178.09 346.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 217.37 346.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 245.00 346.25 Td (by ) Tj ET Q q 0 0 0 rg BT 257.07 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 263.59 346.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 300.07 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.93 346.25 Td (yields ) Tj ET Q q 0 0 0 rg BT 335.89 346.25 Td (on ) Tj ET Q q 0 0 0 rg BT 347.97 346.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 397.24 346.25 Td (real ) Tj ET Q q 0 0 0 rg BT 414.30 346.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 439.14 346.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 462.32 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 478.83 346.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 528.11 346.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 316.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 102.34 316.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 136.89 316.25 Td (for ) Tj ET Q q 0 0 0 rg BT 150.91 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 165.47 316.25 Td (year ) Tj ET Q q 0 0 0 rg BT 185.03 316.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 211.26 316.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 269.69 316.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 292.05 316.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 332.15 316.25 Td (by ) Tj ET Q q 0 0 0 rg BT 344.50 316.25 Td ($4.9million, ) Tj ET Q q 0 0 0 rg BT 398.24 316.25 Td (or ) Tj ET Q q 0 0 0 rg BT 408.93 316.25 Td (42%, ) Tj ET Q q 0 0 0 rg BT 432.11 316.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 473.88 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 484.01 316.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.80 316.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 550.35 316.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 71.82 304.25 Td (due ) Tj ET Q q 0 0 0 rg BT 88.09 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.69 304.25 Td (an ) Tj ET Q q 0 0 0 rg BT 108.95 304.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 143.53 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 153.13 304.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 184.95 304.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.21 304.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 239.68 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 249.28 304.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 269.98 304.25 Td (on ) Tj ET Q q 0 0 0 rg BT 281.81 304.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 313.06 304.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 344.87 304.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 379.48 304.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 406.85 304.25 Td (by ) Tj ET Q q 0 0 0 rg BT 418.67 304.25 Td (promotional ) Tj ET Q q 0 0 0 rg BT 469.38 304.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 486.18 304.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 524.65 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 534.26 304.25 Td (remain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 99.83 292.25 Td (in ) Tj ET Q q 0 0 0 rg BT 110.24 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 125.08 292.25 Td (market ) Tj ET Q q 0 0 0 rg BT 155.47 292.25 Td (place. ) Tj ET Q q 0 0 0 rg BT 181.50 292.25 Td (The ) Tj ET Q q 0 0 0 rg BT 199.67 292.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 238.95 292.25 Td (average ) Tj ET Q q 0 0 0 rg BT 272.66 292.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 291.40 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.35 292.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 337.76 292.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 378.14 292.25 Td (20 ) Tj ET Q q 0 0 0 rg BT 390.76 292.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 413.39 292.25 Td (points ) Tj ET Q q 0 0 0 rg BT 440.46 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 450.87 292.25 Td (1.06% ) Tj ET Q q 0 0 0 rg BT 479.32 292.25 Td (due ) Tj ET Q q 0 0 0 rg BT 496.39 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 506.79 292.25 Td (an ) Tj ET Q q 0 0 0 rg BT 518.86 292.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 554.24 292.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (market ) Tj ET Q q 0 0 0 rg BT 80.83 280.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 102.77 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.28 280.25 Td (our ) Tj ET Q q 0 0 0 rg BT 136.67 280.25 Td (desire ) Tj ET Q q 0 0 0 rg BT 163.61 280.25 Td (to ) Tj ET Q q 0 0 0 rg BT 174.46 280.25 Td (attract ) Tj ET Q q 0 0 0 rg BT 202.50 280.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 245.56 280.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 283.68 280.25 Td (The ) Tj ET Q q 0 0 0 rg BT 302.29 280.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 342.01 280.25 Td (average ) Tj ET Q q 0 0 0 rg BT 376.16 280.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 395.34 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 406.73 280.25 Td (borrowed ) Tj ET Q q 0 0 0 rg BT 448.12 280.25 Td (money ) Tj ET Q q 0 0 0 rg BT 478.40 280.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 520.88 280.25 Td (by ) Tj ET Q q 0 0 0 rg BT 533.95 280.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 542.01 280.25 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (points ) Tj ET Q q 0 0 0 rg BT 76.97 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 87.27 268.25 Td (2.10%. ) Tj ET Q q 0 0 0 rg BT 117.57 268.25 Td (A) Tj ET Q q 0 0 0 rg BT 124.05 268.25 Td (verage ) Tj ET Q q 0 0 0 rg BT 153.22 268.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 185.18 268.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 217.68 268.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 257.42 268.25 Td (for ) Tj ET Q q 0 0 0 rg BT 271.61 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.35 268.25 Td (year ) Tj ET Q q 0 0 0 rg BT 306.08 268.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 332.48 268.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 391.09 268.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 413.61 268.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 453.89 268.25 Td (by ) Tj ET Q q 0 0 0 rg BT 466.41 268.25 Td ($258.8million, ) Tj ET Q q 0 0 0 rg BT 530.33 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 541.18 268.25 Td (23%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.94 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 86.65 256.25 Td (year ) Tj ET Q q 0 0 0 rg BT 106.35 256.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 132.73 256.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 191.31 256.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 216.31 256.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 256.02 256.25 Td (due ) Tj ET Q q 0 0 0 rg BT 272.95 256.25 Td (to ) Tj ET Q q 0 0 0 rg BT 283.23 256.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 311.27 256.25 Td (average ) Tj ET Q q 0 0 0 rg BT 344.86 256.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 381.78 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 392.05 256.25 Td (time ) Tj ET Q q 0 0 0 rg BT 412.32 256.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 450.10 256.25 Td (money ) Tj ET Q q 0 0 0 rg BT 479.81 256.25 Td (market ) Tj ET Q q 0 0 0 rg BT 510.08 256.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 547.56 256.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (borrowed ) Tj ET Q q 0 0 0 rg BT 90.82 244.25 Td (money) Tj ET Q q 0 0 0 rg BT 117.39 244.25 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 (39) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Distribution of ) Tj ET Q q 0 0 0 rg BT 111.49 742.10 Td (Assets, Liabilities and Stockholders) Tj ET Q q 0 0 0 rg BT 255.93 742.10 Td ( Equity; Inter) Tj ET Q q 0 0 0 rg BT 309.43 742.10 Td (est Rates and Inter) Tj ET Q q 0 0 0 rg BT 384.33 742.10 Td (est Differ) Tj ET Q q 0 0 0 rg BT 421.45 742.10 Td (ential) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.19 724.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.71 724.10 Td (table ) Tj ET Q q 0 0 0 rg BT 151.78 724.10 Td (below ) Tj ET Q q 0 0 0 rg BT 178.86 724.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 214.27 724.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.12 724.10 Td (average ) Tj ET Q q 0 0 0 rg BT 262.84 724.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 299.90 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.98 724.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 343.51 724.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 372.79 724.10 Td (on ) Tj ET Q q 0 0 0 rg BT 385.43 724.10 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 450.81 724.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 476.78 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.86 724.10 Td (average ) Tj ET Q q 0 0 0 rg BT 527.58 724.10 Td (balances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 712.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 106.09 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 139.68 712.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 161.05 712.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 180.77 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 193.27 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 209.10 712.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 242.71 712.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 282.43 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 296.59 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.30 712.10 Td (years ) Tj ET Q q 0 0 0 rg BT 334.90 712.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 361.28 712.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 419.86 712.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 444.86 712.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 467.36 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.30 712.10 Td (2016.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 682.6 m 232.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 682.6 m 236.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 682.6 m 272.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 682.6 m 276.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 682.6 m 310.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 682.6 m 314.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 682.6 m 355.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 682.6 m 359.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 682.6 m 395.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 682.6 m 399.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 682.6 m 433.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 682.6 m 437.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 682.6 m 478.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 682.6 m 482.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 682.6 m 518.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 682.6 m 522.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 682.6 m 556.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 669.6 m 232.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 669.6 m 236.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 669.6 m 272.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 669.6 m 276.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 669.6 m 310.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 682.6 m 355.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 669.6 m 355.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 669.6 m 359.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 669.6 m 395.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 669.6 m 399.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 682.6 m 478.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 669.6 m 478.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 669.6 m 482.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 669.6 m 518.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 669.6 m 522.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 669.6 m 556.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 648.6 m 232.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 648.6 m 272.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 648.6 m 310.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 648.6 m 355.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 648.6 m 395.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 648.6 m 399.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 669.6 m 433.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 648.6 m 433.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 648.6 m 478.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 648.6 m 518.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 648.6 m 556.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 518.6 m 232.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 518.6 m 272.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 518.6 m 310.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 518.6 m 355.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 518.6 m 395.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 518.6 m 433.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 518.6 m 478.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 518.6 m 518.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 518.6 m 556.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 518.6 m 272.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 518.6 m 355.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 518.6 m 395.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 518.6 m 478.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 518.6 m 518.5 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 492.6 m 232.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 492.6 m 355.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 492.6 m 478.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 492.6 m 272.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 480.6 m 272.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 478.6 m 272.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 492.6 m 310.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 480.6 m 310.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 478.6 m 310.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 492.6 m 395.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 480.6 m 395.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 478.6 m 395.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 492.6 m 433.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 480.6 m 433.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 478.6 m 433.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 492.6 m 518.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 480.6 m 518.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 478.6 m 518.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 492.6 m 556.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 480.6 m 556.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 478.6 m 556.5 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 466.6 m 232.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 454.6 m 232.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 452.6 m 232.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 466.6 m 355.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 454.6 m 355.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 452.6 m 355.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 466.6 m 478.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 454.6 m 478.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 452.6 m 478.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 375.6 m 232.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 375.6 m 272.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 375.6 m 310.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 375.6 m 355.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 375.6 m 395.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 375.6 m 433.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 375.6 m 478.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 375.6 m 518.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 375.6 m 556.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 375.6 m 272.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 349.6 m 232.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 349.6 m 272.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 349.6 m 310.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 349.6 m 355.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 349.6 m 478.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 337.6 m 272.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 335.6 m 272.5 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 337.6 m 310.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 335.6 m 310.5 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 349.6 m 395.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 337.6 m 395.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 335.6 m 395.5 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 349.6 m 433.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 337.6 m 433.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 335.6 m 433.5 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 349.6 m 518.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 337.6 m 518.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 335.6 m 518.5 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 349.6 m 556.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 337.6 m 556.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 335.6 m 556.5 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 310.6 m 232.5 310.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 310.6 m 272.5 310.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 310.6 m 310.5 310.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 310.6 m 355.5 310.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 310.6 m 478.5 310.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 284.6 m 232.5 284.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 284.6 m 272.5 284.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 284.6 m 310.5 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 272.6 m 232.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 270.6 m 232.5 270.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 271.6 m 272.5 271.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 284.6 m 355.5 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 272.6 m 355.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 270.6 m 355.5 270.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 284.6 m 478.5 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 272.6 m 478.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 270.6 m 478.5 270.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 259.6 m 272.5 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 257.6 m 272.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 271.6 m 395.5 271.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 259.6 m 395.5 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 257.6 m 395.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 271.6 m 518.5 271.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 259.6 m 518.5 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 257.6 m 518.5 257.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.55 686.83 Td (Y) Tj ET Q q 0 0 0 rg BT 332.88 686.83 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 407.46 686.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 242.50 673.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.50 673.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 488.50 673.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.55 660.83 Td (A) Tj ET Q q 0 0 0 rg BT 202.73 660.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.90 652.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 240.70 652.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 257.96 652.83 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.90 660.83 Td (Y) Tj ET Q q 0 0 0 rg BT 288.38 660.83 Td (ield/) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.95 652.83 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 297.94 656.46 Td (\(5\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.55 660.83 Td (A) Tj ET Q q 0 0 0 rg BT 325.73 660.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.90 652.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 363.70 652.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 380.96 652.83 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 405.90 660.83 Td (Y) Tj ET Q q 0 0 0 rg BT 411.38 660.83 Td (ield/) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.95 652.83 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 420.94 656.46 Td (\(5\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 443.55 660.83 Td (A) Tj ET Q q 0 0 0 rg BT 448.73 660.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 443.90 652.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.70 652.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 503.88 652.83 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.90 660.83 Td (Y) Tj ET Q q 0 0 0 rg BT 534.38 660.83 Td (ield/) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.95 652.83 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 543.94 656.46 Td (\(5\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 336.35 639.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 626.85 Td (Assets:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 613.85 Td (Cash and fed funds sold) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 130.00 613.55 Td (.............................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.00 613.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.25 613.85 Td (77,923) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.00 613.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 613.85 Td (1,428) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 613.85 Td (1.84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 613.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 613.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.25 613.85 Td (85,308) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.00 613.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 613.85 Td (790) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 613.85 Td (0.93) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 613.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 613.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.25 613.85 Td (41,838) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 613.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 613.85 Td (173) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 613.85 Td (0.41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.30 613.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 600.85 Td (Securities) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 84.55 604.48 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.00 600.55 Td (................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 600.85 Td (1) Tj ET Q q 0 0 0 rg BT 207.25 600.85 Td (18,31) Tj ET Q q 0 0 0 rg BT 225.25 600.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 600.85 Td (3,686) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 600.85 Td (3.12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 600.85 Td (108,775) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 600.85 Td (3,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 600.85 Td (3.52) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.25 600.85 Td (99,905) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 600.85 Td (3,046) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 600.85 Td (3.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 587.85 Td (Loans:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 574.85 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 574.55 Td (...........................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 574.85 Td (1,014,255) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 574.85 Td (47,967) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 574.85 Td (4.66) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 574.85 Td (907,223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 574.85 Td (41,638) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 574.85 Td (4.53) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 574.85 Td (772,890) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 574.85 Td (36,572) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 574.85 Td (4.65) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 561.85 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 130.00 561.55 Td (.............................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 561.85 Td (189,121) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 561.85 Td (7,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 561.85 Td (3.71) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 561.85 Td (194,344) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 561.85 Td (6,983) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 561.85 Td (3.51) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 561.85 Td (194,047) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 561.85 Td (7,031) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 561.85 Td (3.62) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 548.85 Td (Construction\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.00 548.55 Td (.......................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.25 548.85 Td (90,773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 548.85 Td (4,667) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 548.85 Td (5.07) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 548.85 Td (107,752) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 548.85 Td (5,195) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 548.85 Td (4.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 548.85 Td (100,61) Tj ET Q q 0 0 0 rg BT 471.25 548.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 548.85 Td (4,602) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 548.85 Td (4.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 535.85 Td (Commercial business) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.00 535.55 Td (..............................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 535.85 Td (282,425) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 535.85 Td (15,037) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 535.85 Td (5.25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 535.85 Td (253,868) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 535.85 Td (12,981) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 535.85 Td (5.04) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 535.85 Td (185,523) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 535.85 Td (9,791) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 535.85 Td (5.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 522.85 Td (Consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.00 522.55 Td (................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.25 522.85 Td (481) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 522.85 Td (28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 522.85 Td (5.88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.25 522.85 Td (1,227) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 522.85 Td (44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 522.85 Td (3.62) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.25 522.85 Td (1,560) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.30 522.85 Td (81) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 522.85 Td (5.17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 509.85 Td (T) Tj ET Q q 0 0 0 rg BT 75.61 509.85 Td (otal loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 108.00 509.55 Td (........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 509.85 Td (1,577,055) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 509.85 Td (74,715) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 509.85 Td (4.67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 509.85 Td (1,464,414) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 509.85 Td (66,841) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 509.85 Td (4.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 509.85 Td (1,254,631) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 509.85 Td (58,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 509.85 Td (4.55) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 496.85 Td (Federal Home Loan Bank stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.00 496.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 211.25 496.85 Td (9,177) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.30 496.85 Td (517) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 496.85 Td (5.63) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.25 496.85 Td (8,486) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 496.85 Td (337) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 496.85 Td (3.97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.25 496.85 Td (7,366) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 496.85 Td (255) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 496.85 Td (3.46) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 483.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.61 483.85 Td (otal earning assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 122.00 483.55 Td (.................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 483.85 Td (1,782,466) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.00 483.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 483.85 Td (80,346) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 483.85 Td (4.45) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 483.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 483.85 Td (1,666,983) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.00 483.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 483.85 Td (71,798) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 483.85 Td (4.25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 483.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 483.85 Td (1,403,740) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 483.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 483.85 Td (61,551) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 483.85 Td (4.31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.30 483.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 470.85 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.00 470.55 Td (................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.25 470.85 Td (68,002) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.25 470.85 Td (60,904) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.25 470.85 Td (54,580) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 457.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.61 457.85 Td (otal assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 96.00 457.55 Td (..............................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.00 457.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 457.85 Td (1,850,468) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 457.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 457.85 Td (1,727,887) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 457.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 457.85 Td (1,458,320) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 444.85 Td (Liabilities and shareholders) Tj ET Q q 0 0 0 rg BT 143.79 444.85 Td ( equity:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 431.85 Td (Interest -bearing liabilities:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 418.85 Td (NOW) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.00 418.55 Td (.......................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.00 418.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.25 418.85 Td (60,410) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.00 418.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.30 418.85 Td (157) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 418.85 Td (0.26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 418.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 418.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.25 418.85 Td (57,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.00 418.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 418.85 Td (93) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 418.85 Td (0.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 418.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 418.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.25 418.85 Td (56,123) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 418.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 418.85 Td (109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 418.85 Td (0.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.30 418.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 405.85 Td (Money market) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 106.00 405.55 Td (.........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 405.85 Td (482,886) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 405.85 Td (6,431) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 405.85 Td (1.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 405.85 Td (404,848) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 405.85 Td (3,427) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 405.85 Td (0.85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 405.85 Td (317,210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 405.85 Td (1,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 405.85 Td (0.58) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 392.85 Td (Savings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.00 392.55 Td (...................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 392.85 Td (124,214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 392.85 Td (1,649) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 392.85 Td (1.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 392.85 Td (102,915) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 392.85 Td (763) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 392.85 Td (0.74) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.25 392.85 Td (72,800) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 392.85 Td (315) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 392.85 Td (0.43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 379.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.75 379.85 Td (ime) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 76.00 379.55 Td (........................................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 379.85 Td (619,448) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 379.85 Td (10,714) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 379.85 Td (1.73) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 379.85 Td (633,260) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 379.85 Td (8,41) Tj ET Q q 0 0 0 rg BT 388.30 379.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 379.85 Td (1.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 379.85 Td (524,237) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 379.85 Td (6,040) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 379.85 Td (1.15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 366.85 Td (T) Tj ET Q q 0 0 0 rg BT 75.33 366.85 Td (otal interest-bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 168.00 366.55 Td (..........) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 366.85 Td (1,286,958) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 366.85 Td (18,951) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 366.85 Td (1.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 366.85 Td (1,198,735) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 366.85 Td (12,694) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 366.85 Td (1.06) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 366.85 Td (970,370) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 366.85 Td (8,300) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 366.85 Td (0.86) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 353.85 Td (Borrowed money) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.00 353.55 Td (.......................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 353.85 Td (213,546) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.30 353.85 Td (4,787) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 353.85 Td (2.21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 353.85 Td (194,875) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 353.85 Td (4,143) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 353.85 Td (2.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 353.85 Td (164,450) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 353.85 Td (3,598) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 353.85 Td (2.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 340.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.61 340.85 Td (otal interest-bearing liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.00 340.55 Td (..............) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 340.85 Td (1,500,504) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.00 340.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 340.85 Td (23,738) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 340.85 Td (1.58) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 340.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 340.85 Td (1,393,610) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.00 340.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 340.85 Td (16,837) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 340.85 Td (1.21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 340.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 340.85 Td (1,134,820) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 340.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 340.85 Td (1) Tj ET Q q 0 0 0 rg BT 497.30 340.85 Td (1,898) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 340.85 Td (1.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.30 340.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 327.85 Td (Noninterest-bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.00 327.55 Td (.....................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 327.85 Td (166,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 327.85 Td (169,250) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 327.85 Td (172,098) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 314.85 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 314.55 Td (..........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.25 314.85 Td (12,374) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.25 314.85 Td (10,098) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.25 314.85 Td (13,271) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 301.85 Td (T) Tj ET Q q 0 0 0 rg BT 57.61 301.85 Td (otal liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.00 301.55 Td (...........................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 301.85 Td (1,679,444) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 301.85 Td (1,572,958) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 301.85 Td (1,320,189) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 288.85 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 97.13 288.85 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.00 288.55 Td (..................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.25 288.85 Td (171,024) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.25 288.85 Td (154,929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.25 288.85 Td (138,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 275.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.33 275.85 Td (otal liabilities and shareholders) Tj ET Q q 0 0 0 rg BT 165.15 275.85 Td ( equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.00 275.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.25 275.85 Td (1,850,468) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 275.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 275.85 Td (1,727,887) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 275.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 275.85 Td (1,458,320) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 262.85 Td (Net interest income) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 125.64 266.48 Td (\(3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.00 262.55 Td (............................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.00 262.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 262.85 Td (56,608) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.00 262.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 262.85 Td (54,961) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 262.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 262.85 Td (49,653) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 249.85 Td (Interest rate spread) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 114.00 249.55 Td (.....................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 249.85 Td (2.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 249.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 249.85 Td (3.04) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 249.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 249.85 Td (3.26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.30 249.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 236.85 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 104.39 236.85 Td (gin) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 114.61 240.48 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 122.00 236.55 Td (.................................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 236.85 Td (3.18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 236.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 236.85 Td (3.30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 236.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.30 236.85 Td (3.54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.30 236.85 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 217.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 217.50 Td (A) Tj ET Q q 0 0 0 rg BT 73.18 217.50 Td (verage balances and yields for securities are based on amortized cost.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 201.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 201.90 Td (Includes commercial and residential real estate construction loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 186.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 186.30 Td (The adjustment for securities and loans taxable equivalency was $282thousand, $597thousand and $561thousand, respectively) Tj ET Q q 0 0 0 rg BT 478.05 186.30 Td (, for theyears ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 176.70 Td (December31, 2018, 2017 and 2016. ) Tj ET Q q 0 0 0 rg BT 186.27 176.70 Td (T) Tj ET Q q 0 0 0 rg BT 190.60 176.70 Td (ax exempt income was converted to a fully taxable equivalent basis at a 20 percent tax rate for 2018 and a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 167.10 Td (30percent tax rate for 2017 and 2016.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 151.50 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 151.50 Td (Net interest income as apercentage of total earning assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 135.90 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 135.90 Td (Y) Tj ET Q q 0 0 0 rg BT 73.34 135.90 Td (ields are calculated using the contractual day count convention for each respective product type.) 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 (40) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Effect of changes in inter) Tj ET Q q 0 0 0 rg BT 150.16 742.10 Td (est rates and volume of average earning assets and average inter) Tj ET Q q 0 0 0 rg BT 410.85 742.10 Td (est-bearing liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.88 724.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.09 724.10 Td (table ) Tj ET Q q 0 0 0 rg BT 150.86 724.10 Td (shows ) Tj ET Q q 0 0 0 rg BT 178.19 724.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.74 724.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 219.51 724.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.61 724.10 Td (which ) Tj ET Q q 0 0 0 rg BT 256.38 724.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 290.92 724.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.03 724.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 332.79 724.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 354.00 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.77 724.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 405.31 724.10 Td (in ) Tj ET Q q 0 0 0 rg BT 415.42 724.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.96 724.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 462.29 724.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.95 724.10 Td (average ) Tj ET Q q 0 0 0 rg BT 506.37 724.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 538.68 724.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.73 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 100.10 712.10 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 165.13 712.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 204.63 712.10 Td (have ) Tj ET Q q 0 0 0 rg BT 225.80 712.10 Td (af) Tj ET Q q 0 0 0 rg BT 233.39 712.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 260.10 712.10 Td (net ) Tj ET Q q 0 0 0 rg BT 274.60 712.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 306.32 712.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 340.54 712.10 Td (For ) Tj ET Q q 0 0 0 rg BT 356.72 712.10 Td (each ) Tj ET Q q 0 0 0 rg BT 377.32 712.10 Td (category ) Tj ET Q q 0 0 0 rg BT 414.03 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.65 712.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 456.92 712.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 482.54 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.26 712.10 Td (interest-bearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 93.01 700.10 Td (information ) Tj ET Q q 0 0 0 rg BT 143.51 700.10 Td (is ) Tj ET Q q 0 0 0 rg BT 153.47 700.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.31 700.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 226.14 700.10 Td (to: ) Tj ET Q q 0 0 0 rg BT 239.99 700.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 275.49 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.56 700.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 319.84 700.10 Td (\(changes ) Tj ET Q q 0 0 0 rg BT 358.67 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 369.74 700.10 Td (average ) Tj ET Q q 0 0 0 rg BT 404.12 700.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 441.83 700.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 486.23 700.10 Td (by ) Tj ET Q q 0 0 0 rg BT 499.52 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.03 700.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 537.76 700.10 Td (year) Tj ET Q q 0 0 0 rg BT 555.34 700.10 Td () Tj ET Q q 0 0 0 rg BT 558.12 700.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (average ) Tj ET Q q 0 0 0 rg BT 83.96 688.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 116.28 688.10 Td (rates\); ) Tj ET Q q 0 0 0 rg BT 144.15 688.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 179.23 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.89 688.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 211.65 688.10 Td (\(changes ) Tj ET Q q 0 0 0 rg BT 250.07 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 260.73 688.10 Td (average ) Tj ET Q q 0 0 0 rg BT 294.69 688.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 327.01 688.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 348.76 688.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 392.75 688.10 Td (by ) Tj ET Q q 0 0 0 rg BT 405.63 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.73 688.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 443.05 688.10 Td (year) Tj ET Q q 0 0 0 rg BT 460.63 688.10 Td () Tj ET Q q 0 0 0 rg BT 463.41 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 470.18 688.10 Td (average ) Tj ET Q q 0 0 0 rg BT 504.15 688.10 Td (balances\); ) Tj ET Q q 0 0 0 rg BT 547.56 688.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.01 676.10 Td (total ) Tj ET Q q 0 0 0 rg BT 85.57 676.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 119.18 676.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 156.41 676.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 204.73 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.30 676.10 Td (both ) Tj ET Q q 0 0 0 rg BT 235.87 676.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 268.66 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.89 676.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 303.66 676.10 Td (have ) Tj ET Q q 0 0 0 rg BT 325.33 676.10 Td (been ) Tj ET Q q 0 0 0 rg BT 347.00 676.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 385.88 676.10 Td (proportionately ) Tj ET Q q 0 0 0 rg BT 450.32 676.10 Td (based ) Tj ET Q q 0 0 0 rg BT 475.88 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 488.67 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 676.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 553.68 676.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 664.10 Td (absolute ) Tj ET Q q 0 0 0 rg BT 100.54 664.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 126.37 664.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 158.86 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.69 664.10 Td (change ) Tj ET Q q 0 0 0 rg BT 200.51 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.79 664.10 Td (each.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.00 567.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.30 567.32 Td (\(74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 567.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 567.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 567.27 Td (712) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 567.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 567.27 Td (638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 567.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 567.27 Td (281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.00 567.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 567.27 Td (336) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 567.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 567.27 Td (617) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 552.27 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.00 552.17 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 552.27 Td (319) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.30 552.32 Td (\(463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.65 552.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 552.32 Td (\(144) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 552.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 552.27 Td (286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 552.27 Td (498) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 552.27 Td (784) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 537.27 Td (Loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 522.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 522.17 Td (..........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 522.27 Td (5,031) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 522.27 Td (1,298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 522.27 Td (6,329) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 522.27 Td (6,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.80 522.32 Td (\(1,140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 522.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 522.27 Td (5,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 507.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.00 507.17 Td (............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.30 507.32 Td (\(190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 507.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 507.27 Td (223) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 507.27 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 507.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 507.32 Td (\(52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 507.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 507.32 Td (\(48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 507.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 492.27 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.00 492.17 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.30 492.32 Td (\(857) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 492.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 492.27 Td (329) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 492.32 Td (\(528) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 492.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 492.27 Td (337) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 492.27 Td (256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 492.27 Td (593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 477.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.00 477.17 Td (............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 477.27 Td (1,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 477.27 Td (552) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 477.27 Td (2,056) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 477.27 Td (3,513) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.30 477.32 Td (\(323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 477.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 477.27 Td (3,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 462.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.00 462.17 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.30 462.32 Td (\(35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 462.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.65 462.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 462.32 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 462.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.30 462.32 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 462.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 462.32 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 462.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 462.32 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 462.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 447.27 Td (T) Tj ET Q q 0 0 0 rg BT 88.76 447.27 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.00 447.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 447.27 Td (5,453) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 447.27 Td (2,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 447.27 Td (7,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.10 447.27 Td (10,045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.80 447.32 Td (\(1,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 447.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 447.27 Td (8,764) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 432.27 Td (Federal Home Loan Bank stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.50 432.17 Td (.................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.65 432.27 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 432.27 Td (151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 432.27 Td (180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.65 432.27 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 432.27 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 432.27 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 417.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 417.27 Td (otal change in interest and dividend income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.50 417.17 Td (.......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 417.27 Td (5,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 417.27 Td (2,821) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 417.27 Td (8,548) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.10 417.27 Td (10,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.30 417.32 Td (\(407) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.10 417.27 Td (10,247) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 402.27 Td (Interest expense:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 387.27 Td (Deposits:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 372.27 Td (NOW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.50 372.17 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.00 372.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.65 372.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 372.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.65 372.27 Td (59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 372.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 372.27 Td (64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 372.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 372.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.00 372.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 372.32 Td (\(19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 372.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 372.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 372.32 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 372.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 357.27 Td (Money market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.50 357.17 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 357.27 Td (756) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 357.27 Td (2,248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 357.27 Td (3,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 357.27 Td (594) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 357.27 Td (997) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 357.27 Td (1,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 342.27 Td (Savings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 342.17 Td (..................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 342.27 Td (184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 342.27 Td (702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 342.27 Td (886) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 342.27 Td (164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 342.27 Td (284) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 342.27 Td (448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 327.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.93 327.27 Td (ime) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.00 327.17 Td (......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.30 327.32 Td (\(187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 327.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 327.27 Td (2,490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 327.27 Td (2,303) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 327.27 Td (1,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 327.27 Td (1,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 327.27 Td (2,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 312.27 Td (T) Tj ET Q q 0 0 0 rg BT 88.41 312.27 Td (otal deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 312.17 Td (....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 312.27 Td (758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 312.27 Td (5,499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 312.27 Td (6,257) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 312.27 Td (2,127) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 312.27 Td (2,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 312.27 Td (4,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 297.27 Td (Borrowed money) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.00 297.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 297.27 Td (41) Tj ET Q q 0 0 0 rg BT 308.65 297.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 297.27 Td (233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 297.27 Td (644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 297.27 Td (654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.30 297.32 Td (\(109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 297.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 297.27 Td (545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 282.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 282.27 Td (otal change in interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.50 282.17 Td (...........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 282.27 Td (1,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 282.27 Td (5,732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 282.27 Td (6,901) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 282.27 Td (2,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 282.27 Td (2,158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 282.27 Td (4,939) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 267.27 Td (Change in net interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.00 267.17 Td (....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.00 267.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 267.27 Td (4,558) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 267.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.80 267.32 Td (\(2,91) Tj ET Q q 0 0 0 rg BT 357.63 267.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.65 267.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 267.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 267.27 Td (1,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 267.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 267.27 Td (7,873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.00 267.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.80 267.32 Td (\(2,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 267.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 267.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 267.27 Td (5,308) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 245.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 245.10 Td (ovision for) Tj ET Q q 0 0 0 rg BT 105.46 245.10 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 227.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.56 227.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 127.35 227.10 Td (for ) Tj ET Q q 0 0 0 rg BT 141.02 227.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 160.25 227.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 186.16 227.10 Td (is ) Tj ET Q q 0 0 0 rg BT 194.84 227.10 Td (based ) Tj ET Q q 0 0 0 rg BT 219.62 227.10 Td (on ) Tj ET Q q 0 0 0 rg BT 231.64 227.10 Td (management) Tj ET Q q 0 0 0 rg BT 285.50 227.10 Td (s ) Tj ET Q q 0 0 0 rg BT 291.41 227.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 326.19 227.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 372.64 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.98 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.21 227.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 436.98 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.32 227.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.67 227.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 505.21 227.10 Td (for ) Tj ET Q q 0 0 0 rg BT 518.88 227.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 538.11 227.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 79.59 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 90.01 215.10 Td (turn, ) Tj ET Q q 0 0 0 rg BT 111.27 215.10 Td (is ) Tj ET Q q 0 0 0 rg BT 120.59 215.10 Td (based ) Tj ET Q q 0 0 0 rg BT 146.01 215.10 Td (on ) Tj ET Q q 0 0 0 rg BT 158.66 215.10 Td (such ) Tj ET Q q 0 0 0 rg BT 179.64 215.10 Td (interrelated ) Tj ET Q q 0 0 0 rg BT 227.81 215.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 257.67 215.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.65 215.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.51 215.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 335.61 215.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.58 215.10 Td (our ) Tj ET Q q 0 0 0 rg BT 362.56 215.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 382.43 215.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 420.07 215.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.16 215.10 Td (its ) Tj ET Q q 0 0 0 rg BT 449.26 215.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 484.67 215.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 502.32 215.10 Td (characteristics, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.23 203.10 Td (level ) Tj ET Q q 0 0 0 rg BT 85.67 203.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.01 203.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 158.00 203.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 181.12 203.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.56 203.10 Td (net ) Tj ET Q q 0 0 0 rg BT 211.79 203.10 Td (char) Tj ET Q q 0 0 0 rg BT 228.81 203.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 249.73 203.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 261.46 203.10 Td (both ) Tj ET Q q 0 0 0 rg BT 281.25 203.10 Td (current ) Tj ET Q q 0 0 0 rg BT 311.57 203.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.02 203.10 Td (historic, ) Tj ET Q q 0 0 0 rg BT 362.52 203.10 Td (local ) Tj ET Q q 0 0 0 rg BT 383.96 203.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 424.84 203.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.29 203.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 466.06 203.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 512.24 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.46 203.10 Td (direction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.71 191.10 Td (real ) Tj ET Q q 0 0 0 rg BT 78.07 191.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 103.21 191.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 133.63 191.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.44 191.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 193.91 191.10 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 239.72 191.10 Td (The ) Tj ET Q q 0 0 0 rg BT 257.64 191.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 297.79 191.10 Td (for ) Tj ET Q q 0 0 0 rg BT 311.83 191.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 331.42 191.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 357.69 191.10 Td (is ) Tj ET Q q 0 0 0 rg BT 366.73 191.10 Td (char) Tj ET Q q 0 0 0 rg BT 383.76 191.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 400.58 191.10 Td (against ) Tj ET Q q 0 0 0 rg BT 431.28 191.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 467.53 191.10 Td (in ) Tj ET Q q 0 0 0 rg BT 477.68 191.10 Td (order ) Tj ET Q q 0 0 0 rg BT 501.16 191.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.31 191.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 548.68 191.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 92.87 179.10 Td (for ) Tj ET Q q 0 0 0 rg BT 106.87 179.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 126.42 179.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 152.65 179.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.42 179.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 201.18 179.10 Td (management) Tj ET Q q 0 0 0 rg BT 255.05 179.10 Td (s ) Tj ET Q q 0 0 0 rg BT 261.28 179.10 Td (best ) Tj ET Q q 0 0 0 rg BT 279.72 179.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 315.38 179.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.04 179.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 363.37 179.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 389.59 179.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 424.69 179.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.81 179.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.48 179.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 470.03 179.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 507.36 179.10 Td (at ) Tj ET Q q 0 0 0 rg BT 516.91 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.47 179.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 73.05 167.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 149.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.02 149.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 128.28 149.10 Td (for ) Tj ET Q q 0 0 0 rg BT 142.42 149.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 162.11 149.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 188.48 149.10 Td (for ) Tj ET Q q 0 0 0 rg BT 202.62 149.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.32 149.10 Td (year ) Tj ET Q q 0 0 0 rg BT 237.00 149.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 263.36 149.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 321.92 149.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 344.40 149.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.43 149.10 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 382.40 149.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.30 149.10 Td ( ) Tj ET Q q 0 0 0 rg BT 413.77 149.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 455.68 149.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.93 149.10 Td (a ) Tj ET Q q 0 0 0 rg BT 472.85 149.10 Td ($1.3million ) Tj ET Q q 0 0 0 rg BT 524.22 149.10 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 137.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.76 137.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.08 137.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 109.07 137.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.83 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.14 137.10 Td (year ) Tj ET Q q 0 0 0 rg BT 156.45 137.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 182.43 137.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 240.61 137.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 265.06 137.10 Td (The ) Tj ET Q q 0 0 0 rg BT 282.70 137.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 317.56 137.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.44 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.75 137.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 381.63 137.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.39 137.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 414.71 137.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 440.70 137.10 Td (is ) Tj ET Q q 0 0 0 rg BT 449.47 137.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 497.10 137.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.98 137.10 Td (a ) Tj ET Q q 0 0 0 rg BT 513.52 137.10 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 533.12 137.10 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 125.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 125.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.94 125.10 Td (f ) Tj ET Q q 0 0 0 rg BT 93.31 125.10 Td (related ) Tj ET Q q 0 0 0 rg BT 122.56 125.10 Td (to ) Tj ET Q q 0 0 0 rg BT 132.38 125.10 Td (one ) Tj ET Q q 0 0 0 rg BT 148.85 125.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 180.89 125.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 230.14 125.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 276.04 125.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.86 125.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.12 125.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 326.60 125.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 356.95 125.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.32 125.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 391.86 125.10 Td (of) Tj ET Q q 0 0 0 rg BT 400.01 125.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 416.49 125.10 Td (by ) Tj ET Q q 0 0 0 rg BT 428.53 125.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.01 125.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 474.81 125.10 Td (in ) Tj ET Q q 0 0 0 rg BT 484.63 125.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 515.54 125.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 536.46 125.10 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 113.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 113.10 Td (improving ) Tj ET Q q 0 0 0 rg BT 106.67 113.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 146.38 113.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 164.44 113.10 Td (trends.) 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 (41) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Noninter) Tj ET Q q 0 0 0 rg BT 88.15 742.25 Td (est Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 120.20 724.25 Td (income ) Tj ET Q q 0 0 0 rg BT 153.18 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 163.40 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 171.38 724.25 Td (component ) Tj ET Q q 0 0 0 rg BT 219.36 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.24 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 248.12 724.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 283.31 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 301.29 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 311.51 724.25 Td (comprised ) Tj ET Q q 0 0 0 rg BT 356.71 724.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 397.47 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.35 724.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 428.99 724.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 471.40 724.25 Td (from ) Tj ET Q q 0 0 0 rg BT 494.38 724.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 515.15 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.13 724.25 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 103.81 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 124.30 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 140.34 712.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 186.10 712.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 204.91 712.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 246.48 712.25 Td (from ) Tj ET Q q 0 0 0 rg BT 268.63 712.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 290.78 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 307.92 712.25 Td (referrals ) Tj ET Q q 0 0 0 rg BT 343.94 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 354.98 712.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 381.30 712.25 Td (income ) Tj ET Q q 0 0 0 rg BT 413.44 712.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 442.80 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 455.51 712.25 Td (bank-owned ) Tj ET Q q 0 0 0 rg BT 507.65 712.25 Td (life ) Tj ET Q q 0 0 0 rg BT 523.68 712.25 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.02 700.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 90.70 700.25 Td (on ) Tj ET Q q 0 0 0 rg BT 103.28 700.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 125.30 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 136.21 700.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 182.67 700.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 225.32 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 243.45 700.25 Td (following ) Tj ET Q q 0 0 0 rg BT 284.91 700.25 Td (table ) Tj ET Q q 0 0 0 rg BT 306.92 700.25 Td (compares ) Tj ET Q q 0 0 0 rg BT 347.82 700.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 394.83 700.25 Td (income ) Tj ET Q q 0 0 0 rg BT 426.84 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 441.08 700.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 479.47 700.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.93 700.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 75.00 688.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 97.50 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 114.44 688.25 Td (2016.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 650.75 m 309.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 650.75 m 313.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 650.75 m 351.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 650.75 m 355.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 650.75 m 393.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 650.75 m 435.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 650.75 m 439.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 650.75 m 477.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 650.75 m 519.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 650.75 m 523.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 650.75 m 561.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 637.75 m 309.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 637.75 m 351.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 637.75 m 393.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 637.75 m 435.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 637.75 m 477.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 637.75 m 519.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 637.75 m 561.5 637.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.75 m 271.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 534.75 m 309.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 534.75 m 351.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 534.75 m 393.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 534.75 m 519.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 534.75 m 561.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 520.75 m 309.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 518.75 m 309.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 520.75 m 351.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 518.75 m 351.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 534.75 m 393.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 520.75 m 393.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 518.75 m 393.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 534.75 m 435.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 520.75 m 435.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 518.75 m 435.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 534.75 m 477.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 520.75 m 477.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 518.75 m 477.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 520.75 m 519.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 518.75 m 519.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 520.75 m 561.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 518.75 m 561.5 518.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.30 662.98 Td (Y) Tj ET Q q 0 0 0 rg BT 315.19 662.98 Td (ears Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.75 654.98 Td (December) Tj ET Q q 0 0 0 rg BT 343.25 654.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.85 662.98 Td (2018/2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.85 654.98 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 503.85 662.98 Td (2017/2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.85 654.98 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.00 641.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 324.00 641.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 366.00 641.98 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 641.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.00 641.98 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 498.00 641.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.00 641.98 Td (%) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 378.85 628.98 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 614.42 Td (Service char) Tj ET Q q 0 0 0 rg BT 102.60 614.42 Td (ges and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 614.32 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 614.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 614.42 Td (1,090) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.00 614.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.10 614.42 Td (1,007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.00 614.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 614.42 Td (963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.00 614.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 614.42 Td (83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.30 614.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 614.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 614.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.65 614.42 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 614.42 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 614.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 599.42 Td (Bank owned life insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 599.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 599.42 Td (1,057) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.10 599.42 Td (1,170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 599.42 Td (693) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 599.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 421.63 599.47 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 599.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.95 599.42 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 599.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 599.42 Td (477) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 599.42 Td (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 584.42 Td (Gains and fees from sales of loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.50 584.32 Td (...............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 584.42 Td (984) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.10 584.42 Td (1,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 584.42 Td (466) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 584.47 Td (\(443) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 584.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.95 584.42 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 584.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 584.42 Td (961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.60 584.42 Td (206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 569.42 Td (Net gain \(loss\) on sale of available for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.50 569.32 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 569.42 Td (222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.65 569.42 Td (165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.30 569.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 379.63 569.47 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 569.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 569.42 Td (57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 569.42 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 569.42 Td (280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.30 569.47 Td (\(243) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 569.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 554.42 Td (\(Loss\) gain on sale of foreclosed real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.00 554.32 Td (................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.65 554.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.30 554.47 Td (\(78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 554.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 554.42 Td (128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 554.42 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 554.42 Td (\(100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 554.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.30 554.47 Td (\(206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.65 554.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.30 554.47 Td (\(161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 554.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 539.42 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.00 539.32 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 539.42 Td (547) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.65 539.42 Td (938) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 539.42 Td (541) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 539.47 Td (\(391) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 539.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.95 539.42 Td (\(42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 539.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 539.42 Td (397) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 539.42 Td (73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 524.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 524.42 Td (otal noninterest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 524.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 524.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 524.42 Td (3,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.00 524.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.10 524.42 Td (4,629) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.00 524.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.10 524.42 Td (2,676) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.00 524.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 524.47 Td (\(729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 524.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.95 524.42 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 524.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 524.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.10 524.42 Td (1,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 524.42 Td (73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 524.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Y) Tj ET Q q 0 0 0 rg BT 54.64 502.25 Td (ear ended December31, 2018 compar) Tj ET Q q 0 0 0 rg BT 208.12 502.25 Td (ed to year ended December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 484.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 118.89 484.25 Td (income ) Tj ET Q q 0 0 0 rg BT 150.56 484.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.00 484.25 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 199.74 484.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.63 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 230.86 484.25 Td (for ) Tj ET Q q 0 0 0 rg BT 244.76 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 259.21 484.25 Td (year ) Tj ET Q q 0 0 0 rg BT 278.65 484.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 304.76 484.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 363.08 484.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 387.81 484.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 429.47 484.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.48 484.25 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 459.21 484.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.11 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 490.34 484.25 Td (for ) Tj ET Q q 0 0 0 rg BT 504.23 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.68 484.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 484.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.72 472.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 133.66 472.25 Td (The ) Tj ET Q q 0 0 0 rg BT 151.84 472.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 188.88 472.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.29 472.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 246.36 472.25 Td (income ) Tj ET Q q 0 0 0 rg BT 278.42 472.25 Td (was ) Tj ET Q q 0 0 0 rg BT 296.61 472.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 336.45 472.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 364.63 472.25 Td (by ) Tj ET Q q 0 0 0 rg BT 377.26 472.25 Td (a ) Tj ET Q q 0 0 0 rg BT 384.33 472.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 415.83 472.25 Td (in ) Tj ET Q q 0 0 0 rg BT 426.25 472.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 449.99 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 467.06 472.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 485.79 472.25 Td (from ) Tj ET Q q 0 0 0 rg BT 507.86 472.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 529.93 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 540.89 472.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 460.25 Td (other ) Tj ET Q q 0 0 0 rg BT 89.99 460.25 Td (income.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 442.25 Td (Gains ) Tj ET Q q 0 0 0 rg BT 96.52 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 114.15 442.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 132.32 442.25 Td (fr) Tj ET Q q 0 0 0 rg BT 138.62 442.25 Td (om ) Tj ET Q q 0 0 0 rg BT 153.47 442.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 176.09 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.50 442.25 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.67 442.25 Td () Tj ET Q q 0 0 0 rg BT 217.99 442.25 Td (The ) Tj ET Q q 0 0 0 rg BT 236.16 442.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 277.68 442.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.28 442.25 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 335.41 442.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.30 442.25 Td ( ) Tj ET Q q 0 0 0 rg BT 366.92 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 377.33 442.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 401.06 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 418.13 442.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 436.86 442.25 Td (from ) Tj ET Q q 0 0 0 rg BT 458.92 442.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 480.99 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 491.94 442.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 515.68 442.25 Td (for ) Tj ET Q q 0 0 0 rg BT 529.97 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.81 442.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.29 430.25 Td (December ) Tj ET Q q 0 0 0 rg BT 119.78 430.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 134.69 430.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 159.61 430.25 Td (a ) Tj ET Q q 0 0 0 rg BT 166.46 430.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 203.28 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.02 430.25 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 233.93 430.25 Td (million ) Tj ET Q q 0 0 0 rg BT 265.24 430.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 307.07 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 317.26 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 331.89 430.25 Td (year ) Tj ET Q q 0 0 0 rg BT 351.51 430.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 377.79 430.25 Td (December ) Tj ET Q q 0 0 0 rg BT 421.29 430.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 436.20 430.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 460.94 430.25 Td (The ) Tj ET Q q 0 0 0 rg BT 478.90 430.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 515.72 430.25 Td (is ) Tj ET Q q 0 0 0 rg BT 524.80 430.25 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.31 418.25 Td (by ) Tj ET Q q 0 0 0 rg BT 89.08 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 103.06 418.25 Td (absence ) Tj ET Q q 0 0 0 rg BT 136.47 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 146.56 418.25 Td (refining ) Tj ET Q q 0 0 0 rg BT 179.99 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.97 418.25 Td (model ) Tj ET Q q 0 0 0 rg BT 220.73 418.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 271.94 418.25 Td (used ) Tj ET Q q 0 0 0 rg BT 292.04 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 301.58 418.25 Td (calculating ) Tj ET Q q 0 0 0 rg BT 347.21 418.25 Td (a ) Tj ET Q q 0 0 0 rg BT 353.42 418.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 391.84 418.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 413.04 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 422.58 418.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 446.85 418.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 481.93 418.25 Td (of) Tj ET Q q 0 0 0 rg BT 490.08 418.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 506.29 418.25 Td (by ) Tj ET Q q 0 0 0 rg BT 518.05 418.25 Td (an ) Tj ET Q q 0 0 0 rg BT 529.26 418.25 Td (increase ) 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 60.28 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 406.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 98.60 406.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 132.74 406.25 Td (on ) Tj ET Q q 0 0 0 rg BT 145.24 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.96 406.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 178.01 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 188.84 406.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 212.45 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 222.72 406.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 245.22 406.25 Td (as ) Tj ET Q q 0 0 0 rg BT 256.05 406.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 297.98 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 308.26 406.25 Td (2017.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 388.25 Td (Other) Tj ET Q q 0 0 0 rg BT 92.22 388.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.72 388.25 Td () Tj ET Q q 0 0 0 rg BT 102.04 388.25 Td (W) Tj ET Q q 0 0 0 rg BT 110.68 388.25 Td (e ) Tj ET Q q 0 0 0 rg BT 116.82 388.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 153.50 388.25 Td (other ) Tj ET Q q 0 0 0 rg BT 175.75 388.25 Td (income ) Tj ET Q q 0 0 0 rg BT 206.89 388.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.92 388.25 Td ($0.5 ) Tj ET Q q 0 0 0 rg BT 236.13 388.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.02 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 266.72 388.25 Td (for ) Tj ET Q q 0 0 0 rg BT 280.09 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 294.01 388.25 Td (year ) Tj ET Q q 0 0 0 rg BT 312.92 388.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 338.50 388.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 396.29 388.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 420.49 388.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.64 388.25 Td (decrease) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.05 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 462.75 388.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.79 388.25 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 491.99 388.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.88 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 522.59 388.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.62 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 73.67 376.25 Td (year ) Tj ET Q q 0 0 0 rg BT 92.72 376.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 118.43 376.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 176.35 376.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 200.56 376.25 Td (The ) Tj ET Q q 0 0 0 rg BT 217.95 376.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 254.20 376.25 Td (is ) Tj ET Q q 0 0 0 rg BT 262.71 376.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 301.76 376.25 Td (related ) Tj ET Q q 0 0 0 rg BT 330.80 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 340.41 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 346.69 376.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 385.74 376.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 428.11 376.25 Td (on ) Tj ET Q q 0 0 0 rg BT 439.95 376.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 478.44 376.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 503.61 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.78 376.25 Td ($0.2 ) Tj ET Q q 0 0 0 rg BT 533.12 376.25 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 106.64 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.36 364.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 148.30 364.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 179.11 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 189.94 364.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 212.44 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 229.38 364.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 269.63 364.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 322.67 364.25 Td (on ) Tj ET Q q 0 0 0 rg BT 335.17 364.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 374.33 364.25 Td (assets. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (Y) Tj ET Q q 0 0 0 rg BT 54.64 346.25 Td (ear ended December31, 2017 compar) Tj ET Q q 0 0 0 rg BT 208.12 346.25 Td (ed to year ended December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 328.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 118.86 328.25 Td (income ) Tj ET Q q 0 0 0 rg BT 150.49 328.25 Td (totaled ) Tj ET Q q 0 0 0 rg BT 179.90 328.25 Td ($4.6million ) Tj ET Q q 0 0 0 rg BT 231.00 328.25 Td (for ) Tj ET Q q 0 0 0 rg BT 244.86 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 259.28 328.25 Td (year ) Tj ET Q q 0 0 0 rg BT 278.68 328.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 304.76 328.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 363.05 328.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 387.75 328.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 429.37 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 439.35 328.25 Td ($2.7million ) Tj ET Q q 0 0 0 rg BT 490.45 328.25 Td (for ) Tj ET Q q 0 0 0 rg BT 504.31 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.73 328.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 328.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.80 316.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 133.82 316.25 Td (The ) Tj ET Q q 0 0 0 rg BT 152.08 316.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 187.55 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 198.05 316.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 245.20 316.25 Td (income ) Tj ET Q q 0 0 0 rg BT 277.35 316.25 Td (was ) Tj ET Q q 0 0 0 rg BT 295.62 316.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 335.54 316.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 363.81 316.25 Td (by ) Tj ET Q q 0 0 0 rg BT 376.52 316.25 Td (an ) Tj ET Q q 0 0 0 rg BT 388.68 316.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 424.15 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 434.64 316.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 458.47 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.62 316.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 494.44 316.25 Td (from ) Tj ET Q q 0 0 0 rg BT 516.59 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 531.53 316.25 Td (sales ) 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 50.00 304.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 76.11 304.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 98.05 304.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 127.21 304.25 Td (life ) Tj ET Q q 0 0 0 rg BT 143.03 304.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 183.85 304.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.79 304.25 Td (other ) Tj ET Q q 0 0 0 rg BT 223.83 304.25 Td (income.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 286.25 Td (Gains ) Tj ET Q q 0 0 0 rg BT 96.13 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.36 286.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 131.15 286.25 Td (fr) Tj ET Q q 0 0 0 rg BT 137.45 286.25 Td (om ) Tj ET Q q 0 0 0 rg BT 151.90 286.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 174.14 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.16 286.25 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.33 286.25 Td (During ) Tj ET Q q 0 0 0 rg BT 243.89 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.34 286.25 Td (year ) Tj ET Q q 0 0 0 rg BT 277.79 286.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 303.90 286.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 362.22 286.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 386.96 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 401.41 286.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 442.53 286.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 479.75 286.25 Td ($0.4million ) Tj ET Q q 0 0 0 rg BT 530.87 286.25 Td (in ) Tj ET Q q 0 0 0 rg BT 540.89 286.25 Td (gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.03 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.28 274.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 97.75 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.11 274.25 Td ($18.0million ) Tj ET Q q 0 0 0 rg BT 164.03 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.39 274.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 197.53 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.00 274.25 Td ($1.0million ) Tj ET Q q 0 0 0 rg BT 264.93 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 275.29 274.25 Td (a ) Tj ET Q q 0 0 0 rg BT 281.76 274.25 Td (result ) Tj ET Q q 0 0 0 rg BT 306.01 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.37 274.25 Td (refining ) Tj ET Q q 0 0 0 rg BT 350.05 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.30 274.25 Td (model ) Tj ET Q q 0 0 0 rg BT 391.33 274.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 442.81 274.25 Td (used ) Tj ET Q q 0 0 0 rg BT 463.17 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 472.98 274.25 Td (calculating ) Tj ET Q q 0 0 0 rg BT 518.88 274.25 Td (a ) Tj ET Q q 0 0 0 rg BT 525.35 274.25 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (asset. ) Tj ET Q q 0 0 0 rg BT 74.41 262.25 Td (For ) Tj ET Q q 0 0 0 rg BT 90.76 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.45 262.25 Td (year ) Tj ET Q q 0 0 0 rg BT 125.12 262.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 151.47 262.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 210.02 262.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 234.99 262.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 258.56 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 275.47 262.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 294.03 262.25 Td (from ) Tj ET Q q 0 0 0 rg BT 315.94 262.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 337.84 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 348.64 262.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 372.22 262.25 Td (totaled ) Tj ET Q q 0 0 0 rg BT 401.90 262.25 Td ($0.5million ) Tj ET Q q 0 0 0 rg BT 453.26 262.25 Td (on ) Tj ET Q q 0 0 0 rg BT 465.72 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.41 262.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 502.31 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.11 262.25 Td ($7.4million ) 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 60.83 250.25 Td (loans.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 232.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 96.10 232.25 Td (Owned ) Tj ET Q q 0 0 0 rg BT 129.97 232.25 Td (Life ) Tj ET Q q 0 0 0 rg BT 151.08 232.25 Td (Insurance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.57 232.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 236.60 232.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 268.80 232.25 Td (on ) Tj ET Q q 0 0 0 rg BT 284.35 232.25 Td (bank-owned ) Tj ET Q q 0 0 0 rg BT 339.33 232.25 Td (life ) Tj ET Q q 0 0 0 rg BT 358.20 232.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 402.06 232.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 445.37 232.25 Td ($0.5million, ) Tj ET Q q 0 0 0 rg BT 502.31 232.25 Td (or ) Tj ET Q q 0 0 0 rg BT 516.19 232.25 Td (69%, ) Tj ET Q q 0 0 0 rg BT 542.56 232.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.34 220.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 132.61 220.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 175.29 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 186.33 220.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 245.67 220.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 268.93 220.25 Td (due ) Tj ET Q q 0 0 0 rg BT 286.63 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 297.67 220.25 Td (income ) Tj ET Q q 0 0 0 rg BT 330.37 220.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 360.27 220.25 Td (from ) Tj ET Q q 0 0 0 rg BT 382.97 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.45 220.25 Td (Company) Tj ET Q q 0 0 0 rg BT 440.12 220.25 Td (s ) Tj ET Q q 0 0 0 rg BT 447.27 220.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 490.52 220.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 529.32 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 540.91 220.25 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (Owned ) Tj ET Q q 0 0 0 rg BT 81.38 208.25 Td (Life ) Tj ET Q q 0 0 0 rg BT 100.54 208.25 Td (Insurance.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 190.25 Td (Other) Tj ET Q q 0 0 0 rg BT 92.22 190.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.72 190.25 Td () Tj ET Q q 0 0 0 rg BT 102.04 190.25 Td (W) Tj ET Q q 0 0 0 rg BT 110.68 190.25 Td (e ) Tj ET Q q 0 0 0 rg BT 118.27 190.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 156.40 190.25 Td (other ) Tj ET Q q 0 0 0 rg BT 180.10 190.25 Td (income ) Tj ET Q q 0 0 0 rg BT 212.69 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.17 190.25 Td ($0.9million ) Tj ET Q q 0 0 0 rg BT 276.21 190.25 Td (during ) Tj ET Q q 0 0 0 rg BT 305.48 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.85 190.25 Td (year ) Tj ET Q q 0 0 0 rg BT 341.21 190.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 368.24 190.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 427.47 190.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 453.13 190.25 Td (an ) Tj ET Q q 0 0 0 rg BT 465.72 190.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 501.63 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.11 190.25 Td ($0.4million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.89 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 102.13 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.81 178.25 Td (year ) Tj ET Q q 0 0 0 rg BT 136.48 178.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 162.82 178.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 221.37 178.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 246.15 178.25 Td (The ) Tj ET Q q 0 0 0 rg BT 264.16 178.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 299.38 178.25 Td (is ) Tj ET Q q 0 0 0 rg BT 308.51 178.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 348.19 178.25 Td (related ) Tj ET Q q 0 0 0 rg BT 377.85 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 388.10 178.25 Td (rental ) Tj ET Q q 0 0 0 rg BT 413.32 178.25 Td (income ) Tj ET Q q 0 0 0 rg BT 445.22 178.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 474.33 178.25 Td (from ) Tj ET Q q 0 0 0 rg BT 496.23 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.91 178.25 Td (headquarters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (building ) Tj ET Q q 0 0 0 rg BT 85.83 166.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 122.76 166.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.04 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 147.75 166.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 174.69 166.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 205.51 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.34 166.25 Td (2016.) 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 (42) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Noninter) Tj ET Q q 0 0 0 rg BT 88.15 742.25 Td (est Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 724.25 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 724.25 Td (compares ) Tj ET Q q 0 0 0 rg BT 192.18 724.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 239.12 724.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 273.82 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 287.98 724.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 326.30 724.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 352.68 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 411.26 724.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 436.26 724.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 458.76 724.25 Td (and2016.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 686.75 m 298.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 686.75 m 302.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 686.75 m 342.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 686.75 m 346.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 686.75 m 386.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 686.75 m 430.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 686.75 m 434.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 686.75 m 474.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 686.75 m 518.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 686.75 m 522.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 686.75 m 562.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 673.75 m 298.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 686.75 m 342.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 673.75 m 342.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 686.75 m 386.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 673.75 m 386.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 673.75 m 430.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 686.75 m 474.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 673.75 m 474.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 673.75 m 518.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 673.75 m 562.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 525.75 m 298.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 525.75 m 342.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 525.75 m 386.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 525.75 m 430.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 525.75 m 474.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 525.75 m 518.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 525.75 m 562.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 511.75 m 298.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 509.75 m 298.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 511.75 m 342.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 509.75 m 342.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 511.75 m 386.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 509.75 m 386.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 511.75 m 430.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 509.75 m 430.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 511.75 m 474.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 509.75 m 474.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 511.75 m 518.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 509.75 m 518.5 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 511.75 m 562.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 509.75 m 562.5 509.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.30 698.98 Td (Y) Tj ET Q q 0 0 0 rg BT 305.19 698.98 Td (ears Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.75 690.98 Td (December) Tj ET Q q 0 0 0 rg BT 333.25 690.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.85 698.98 Td (2018/2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 418.85 690.98 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.85 698.98 Td (2017/2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 506.85 690.98 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 270.00 677.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.00 677.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.00 677.98 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.00 677.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 677.98 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 677.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.00 677.98 Td (%) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 372.85 664.98 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 650.42 Td (Salaries and employee benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.50 650.32 Td (...............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.00 650.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 650.42 Td (18,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.00 650.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.10 650.42 Td (16,284) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 650.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.10 650.42 Td (15,655) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 650.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.10 650.42 Td (2,689) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 650.42 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 650.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.00 650.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 650.42 Td (629) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 650.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 650.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 635.42 Td (Occupancy and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.00 635.32 Td (......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.10 635.42 Td (6,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 635.42 Td (6,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.10 635.42 Td (5,81) Tj ET Q q 0 0 0 rg BT 377.60 635.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 635.42 Td (625) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 635.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 635.42 Td (354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 635.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 620.42 Td (Professional services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.50 620.32 Td (...............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.10 620.42 Td (2,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 620.42 Td (2,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.10 620.42 Td (1,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 620.42 Td (31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 620.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 620.42 Td (418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 620.42 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 605.42 Td (Data processing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.50 605.32 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.10 605.42 Td (2,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 605.42 Td (1,866) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.10 605.42 Td (1,603) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 605.42 Td (167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 605.42 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 605.42 Td (263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 605.42 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 590.42 Td (Marketing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 590.32 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.10 590.42 Td (1,587) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 590.42 Td (1,193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 590.42 Td (948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 590.42 Td (394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 590.42 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 590.42 Td (245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 590.42 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 575.42 Td (Director fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.00 575.32 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.10 575.42 Td (1,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 575.42 Td (912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 575.42 Td (859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 575.42 Td (132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 575.42 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 575.42 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 575.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 560.42 Td (FDIC insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.50 560.32 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.65 560.42 Td (779) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 560.42 Td (1,1) Tj ET Q q 0 0 0 rg BT 328.60 560.42 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 560.42 Td (660) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.30 560.47 Td (\(337) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 560.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.30 560.47 Td (\(30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 560.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 560.42 Td (456) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 560.42 Td (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 545.42 Td (Amortization of intangibles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.00 545.32 Td (....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.65 545.42 Td (92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 545.42 Td (1) Tj ET Q q 0 0 0 rg BT 328.65 545.42 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 545.42 Td (151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 545.47 Td (\(26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 545.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.30 545.47 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 545.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.30 545.47 Td (\(33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.65 545.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 545.47 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 545.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 530.42 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 530.32 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.10 530.42 Td (2,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 530.42 Td (2,797) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.10 530.42 Td (2,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.30 530.47 Td (\(565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 530.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.30 530.47 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 530.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 530.42 Td (594) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 530.42 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 515.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 515.42 Td (otal noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.50 515.32 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.00 515.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 515.42 Td (35,633) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.00 515.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.10 515.42 Td (32,523) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 515.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.10 515.42 Td (29,544) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 515.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.10 515.42 Td (3,1) Tj ET Q q 0 0 0 rg BT 416.60 515.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 515.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 515.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.00 515.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.10 515.42 Td (2,979) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 515.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 515.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (Y) Tj ET Q q 0 0 0 rg BT 54.64 493.25 Td (ear ended December31, 2018 compar) Tj ET Q q 0 0 0 rg BT 208.12 493.25 Td (ed to year ended December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 475.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 118.81 475.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 153.17 475.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.87 475.25 Td ($35.6 ) Tj ET Q q 0 0 0 rg BT 195.53 475.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.42 475.25 Td ( ) Tj ET Q q 0 0 0 rg BT 226.57 475.25 Td (for ) Tj ET Q q 0 0 0 rg BT 240.39 475.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.76 475.25 Td (year ) Tj ET Q q 0 0 0 rg BT 274.12 475.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 300.15 475.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 358.38 475.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 383.04 475.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 424.61 475.25 Td (to ) Tj ET Q q 0 0 0 rg BT 434.55 475.25 Td ($32.5million ) Tj ET Q q 0 0 0 rg BT 490.59 475.25 Td (for ) Tj ET Q q 0 0 0 rg BT 504.40 475.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.77 475.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 475.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.49 463.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 133.22 463.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.17 463.25 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.93 463.25 Td ( ) Tj ET Q q 0 0 0 rg BT 186.33 463.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.06 463.25 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 216.97 463.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.86 463.25 Td (, ) Tj ET Q q 0 0 0 rg BT 250.77 463.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.50 463.25 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.83 463.25 Td (, ) Tj ET Q q 0 0 0 rg BT 284.74 463.25 Td (was ) Tj ET Q q 0 0 0 rg BT 302.69 463.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 342.31 463.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 370.26 463.25 Td (by ) Tj ET Q q 0 0 0 rg BT 382.67 463.25 Td (an ) Tj ET Q q 0 0 0 rg BT 394.51 463.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 429.67 463.25 Td (in ) Tj ET Q q 0 0 0 rg BT 439.85 463.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 472.24 463.25 Td (and ) Tj ET Q q 0 0 0 rg BT 489.08 463.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 530.36 463.25 Td (benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 451.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 112.19 451.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.13 451.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 173.84 451.25 Td (expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 433.25 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 105.31 433.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.83 433.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 163.11 433.25 Td (benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.22 433.25 Td (.Salaries ) Tj ET Q q 0 0 0 rg BT 238.40 433.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.36 433.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 296.76 433.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 327.05 433.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 349.58 433.25 Td (are ) Tj ET Q q 0 0 0 rg BT 364.31 433.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.06 433.25 Td (lar) Tj ET Q q 0 0 0 rg BT 389.42 433.25 Td (gest ) Tj ET Q q 0 0 0 rg BT 408.06 433.25 Td (component ) Tj ET Q q 0 0 0 rg BT 455.02 433.25 Td (of ) Tj ET Q q 0 0 0 rg BT 465.88 433.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 512.84 433.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 547.57 433.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (include ) Tj ET Q q 0 0 0 rg BT 82.74 421.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 124.92 421.25 Td (payroll ) Tj ET Q q 0 0 0 rg BT 156.56 421.25 Td (expense, ) Tj ET Q q 0 0 0 rg BT 194.58 421.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 222.88 421.25 Td (and ) Tj ET Q q 0 0 0 rg BT 240.63 421.25 Td (non-equity ) Tj ET Q q 0 0 0 rg BT 287.26 421.25 Td (incentive ) Tj ET Q q 0 0 0 rg BT 327.22 421.25 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 388.58 421.25 Td (health ) Tj ET Q q 0 0 0 rg BT 416.32 421.25 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 460.44 421.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 491.52 421.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 515.93 421.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.68 421.25 Td (payroll ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 75.47 409.25 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 109.55 409.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.41 409.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 167.71 409.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 201.79 409.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 241.97 409.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.39 409.25 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 274.32 409.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.21 409.25 Td (, ) Tj ET Q q 0 0 0 rg BT 308.13 409.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.89 409.25 Td (17%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.22 409.25 Td (, ) Tj ET Q q 0 0 0 rg BT 342.14 409.25 Td (for ) Tj ET Q q 0 0 0 rg BT 356.23 409.25 Td (the ) Tj ET Q q 0 0 0 rg BT 370.87 409.25 Td (year ) Tj ET Q q 0 0 0 rg BT 390.50 409.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 416.80 409.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 475.31 409.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 497.73 409.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 539.58 409.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 409.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (year ) Tj ET Q q 0 0 0 rg BT 69.73 397.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 96.14 397.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 154.75 397.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 179.77 397.25 Td (lar) Tj ET Q q 0 0 0 rg BT 190.14 397.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 209.88 397.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 250.72 397.25 Td (an ) Tj ET Q q 0 0 0 rg BT 262.68 397.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 297.96 397.25 Td (in ) Tj ET Q q 0 0 0 rg BT 308.27 397.25 Td (full ) Tj ET Q q 0 0 0 rg BT 324.68 397.25 Td (time ) Tj ET Q q 0 0 0 rg BT 344.98 397.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 389.15 397.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 434.44 397.25 Td (and ) Tj ET Q q 0 0 0 rg BT 451.41 397.25 Td (a ) Tj ET Q q 0 0 0 rg BT 458.37 397.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 498.66 397.25 Td (in ) Tj ET Q q 0 0 0 rg BT 508.97 397.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 544.80 397.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 96.65 385.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 119.42 385.25 Td (as ) Tj ET Q q 0 0 0 rg BT 130.52 385.25 Td (a ) Tj ET Q q 0 0 0 rg BT 137.73 385.25 Td (result ) Tj ET Q q 0 0 0 rg BT 162.72 385.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.82 385.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 199.36 385.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 219.35 385.25 Td (volume. ) Tj ET Q q 0 0 0 rg BT 254.42 385.25 Td (The ) Tj ET Q q 0 0 0 rg BT 272.73 385.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 308.26 385.25 Td (in ) Tj ET Q q 0 0 0 rg BT 318.81 385.25 Td (full ) Tj ET Q q 0 0 0 rg BT 335.47 385.25 Td (time ) Tj ET Q q 0 0 0 rg BT 356.01 385.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 400.43 385.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 445.97 385.25 Td (is ) Tj ET Q q 0 0 0 rg BT 455.41 385.25 Td (in ) Tj ET Q q 0 0 0 rg BT 465.96 385.25 Td (line ) Tj ET Q q 0 0 0 rg BT 483.72 385.25 Td (with ) Tj ET Q q 0 0 0 rg BT 504.27 385.25 Td (year ) Tj ET Q q 0 0 0 rg BT 524.25 385.25 Td (over ) Tj ET Q q 0 0 0 rg BT 544.79 385.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.25 Td (business ) Tj ET Q q 0 0 0 rg BT 86.26 373.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 116.96 373.25 Td (and ) Tj ET Q q 0 0 0 rg BT 133.76 373.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 161.68 373.25 Td (by ) Tj ET Q q 0 0 0 rg BT 174.05 373.25 Td (staf) Tj ET Q q 0 0 0 rg BT 188.31 373.25 Td (fing ) Tj ET Q q 0 0 0 rg BT 206.78 373.25 Td (for ) Tj ET Q q 0 0 0 rg BT 220.81 373.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.40 373.25 Td (three ) Tj ET Q q 0 0 0 rg BT 257.75 373.25 Td (new ) Tj ET Q q 0 0 0 rg BT 276.78 373.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 306.35 373.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 346.80 373.25 Td (A) Tj ET Q q 0 0 0 rg BT 353.28 373.25 Td (verage ) Tj ET Q q 0 0 0 rg BT 382.29 373.25 Td (full ) Tj ET Q q 0 0 0 rg BT 398.55 373.25 Td (time ) Tj ET Q q 0 0 0 rg BT 418.69 373.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 462.71 373.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 507.84 373.25 Td (totaled ) Tj ET Q q 0 0 0 rg BT 537.42 373.25 Td (144 ) Tj ET Q q 0 0 0 rg BT 554.79 373.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 361.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 131.08 361.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.01 361.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.29 361.25 Td (134 ) Tj ET Q q 0 0 0 rg BT 200.79 361.25 Td (at ) Tj ET Q q 0 0 0 rg BT 210.50 361.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 269.09 361.25 Td (2017.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 343.25 Td (Occupancy ) Tj ET Q q 0 0 0 rg BT 117.60 343.25 Td (and ) Tj ET Q q 0 0 0 rg BT 135.22 343.25 Td (equipment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.38 343.25 Td (Rent, ) Tj ET Q q 0 0 0 rg BT 210.89 343.25 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 262.93 343.25 Td (and ) Tj ET Q q 0 0 0 rg BT 280.00 343.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 333.15 343.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 355.77 343.25 Td (comprise ) Tj ET Q q 0 0 0 rg BT 395.05 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.90 343.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 446.40 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 457.36 343.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 502.73 343.25 Td (and ) Tj ET Q q 0 0 0 rg BT 519.80 343.25 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 89.94 331.25 Td (which ) Tj ET Q q 0 0 0 rg BT 115.73 331.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 154.82 331.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.17 331.25 Td ($0.6 ) Tj ET Q q 0 0 0 rg BT 185.01 331.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.90 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 217.75 331.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.42 331.25 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.75 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 249.60 331.25 Td (for ) Tj ET Q q 0 0 0 rg BT 262.60 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 276.16 331.25 Td (year ) Tj ET Q q 0 0 0 rg BT 294.71 331.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 319.93 331.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 377.36 331.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 398.71 331.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 439.48 331.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.60 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.16 331.25 Td (year ) Tj ET Q q 0 0 0 rg BT 480.71 331.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.93 331.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 74.50 319.25 Td (The ) Tj ET Q q 0 0 0 rg BT 92.19 319.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 127.10 319.25 Td (in ) Tj ET Q q 0 0 0 rg BT 137.03 319.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 181.93 319.25 Td (and ) Tj ET Q q 0 0 0 rg BT 198.52 319.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 242.88 319.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 277.24 319.25 Td (was ) Tj ET Q q 0 0 0 rg BT 294.94 319.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 334.31 319.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 362.01 319.25 Td (by ) Tj ET Q q 0 0 0 rg BT 374.16 319.25 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 427.40 319.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 470.65 319.25 Td (with ) Tj ET Q q 0 0 0 rg BT 490.57 319.25 Td (the ) Tj ET Q q 0 0 0 rg BT 504.94 319.25 Td (opening ) Tj ET Q q 0 0 0 rg BT 539.31 319.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 319.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (new ) Tj ET Q q 0 0 0 rg BT 69.16 307.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 98.87 307.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 137.47 307.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.41 307.25 Td (improvements ) Tj ET Q q 0 0 0 rg BT 214.12 307.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.95 307.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 259.12 307.25 Td (infrastructure. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (Y) Tj ET Q q 0 0 0 rg BT 54.64 289.25 Td (ear ended December31, 2017 compar) Tj ET Q q 0 0 0 rg BT 208.12 289.25 Td (ed to year ended December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 271.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 118.79 271.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 153.13 271.25 Td (was ) Tj ET Q q 0 0 0 rg BT 170.81 271.25 Td ($32.5million ) Tj ET Q q 0 0 0 rg BT 226.83 271.25 Td (for ) Tj ET Q q 0 0 0 rg BT 240.62 271.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.97 271.25 Td (year ) Tj ET Q q 0 0 0 rg BT 274.31 271.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 300.32 271.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 358.53 271.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 383.16 271.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 424.72 271.25 Td (to ) Tj ET Q q 0 0 0 rg BT 434.63 271.25 Td ($29.5million ) Tj ET Q q 0 0 0 rg BT 490.65 271.25 Td (for ) Tj ET Q q 0 0 0 rg BT 504.44 271.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.79 271.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 271.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.34 259.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 132.94 259.25 Td (The ) Tj ET Q q 0 0 0 rg BT 150.75 259.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 185.76 259.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.35 259.25 Td ($3.0million, ) Tj ET Q q 0 0 0 rg BT 250.00 259.25 Td (or ) Tj ET Q q 0 0 0 rg BT 260.59 259.25 Td (10%, ) Tj ET Q q 0 0 0 rg BT 283.68 259.25 Td (was ) Tj ET Q q 0 0 0 rg BT 301.49 259.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 340.96 259.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 368.77 259.25 Td (by ) Tj ET Q q 0 0 0 rg BT 381.03 259.25 Td (an ) Tj ET Q q 0 0 0 rg BT 392.73 259.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 427.74 259.25 Td (in ) Tj ET Q q 0 0 0 rg BT 437.78 259.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 470.03 259.25 Td (and ) Tj ET Q q 0 0 0 rg BT 486.72 259.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 527.86 259.25 Td (benefits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 95.25 247.25 Td (and ) Tj ET Q q 0 0 0 rg BT 112.19 247.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 156.90 247.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 198.00 247.25 Td (professional ) Tj ET Q q 0 0 0 rg BT 249.38 247.25 Td (services ) Tj ET Q q 0 0 0 rg BT 284.09 247.25 Td (and ) Tj ET Q q 0 0 0 rg BT 301.03 247.25 Td (other ) Tj ET Q q 0 0 0 rg BT 324.07 247.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 362.67 247.25 Td (related ) Tj ET Q q 0 0 0 rg BT 392.37 247.25 Td (to ) Tj ET Q q 0 0 0 rg BT 402.65 247.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 433.48 247.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.42 247.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 486.79 247.25 Td (initiatives.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 229.25 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 107.03 229.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.28 229.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 168.28 229.25 Td (benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.38 229.25 Td (. ) Tj ET Q q 0 0 0 rg BT 206.13 229.25 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 242.03 229.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.72 229.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 303.84 229.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 339.75 229.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 381.75 229.25 Td (by ) Tj ET Q q 0 0 0 rg BT 396.00 229.25 Td ($0.6million, ) Tj ET Q q 0 0 0 rg BT 451.64 229.25 Td (or ) Tj ET Q q 0 0 0 rg BT 464.21 229.25 Td (4%, ) Tj ET Q q 0 0 0 rg BT 484.29 229.25 Td (for ) Tj ET Q q 0 0 0 rg BT 500.20 229.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.67 229.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 229.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.40 217.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 128.72 217.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 169.46 217.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.56 217.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.09 217.25 Td (year ) Tj ET Q q 0 0 0 rg BT 210.61 217.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 235.81 217.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 293.21 217.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 317.03 217.25 Td (lar) Tj ET Q q 0 0 0 rg BT 327.39 217.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 345.93 217.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 385.56 217.25 Td (an ) Tj ET Q q 0 0 0 rg BT 396.31 217.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 430.38 217.25 Td (in ) Tj ET Q q 0 0 0 rg BT 439.48 217.25 Td (full ) Tj ET Q q 0 0 0 rg BT 454.68 217.25 Td (time ) Tj ET Q q 0 0 0 rg BT 473.77 217.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 516.74 217.25 Td (employees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 205.25 Td (verage ) Tj ET Q q 0 0 0 rg BT 85.63 205.25 Td (full ) Tj ET Q q 0 0 0 rg BT 102.01 205.25 Td (time ) Tj ET Q q 0 0 0 rg BT 122.29 205.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 166.44 205.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 211.70 205.25 Td (totaled ) Tj ET Q q 0 0 0 rg BT 241.41 205.25 Td (134 ) Tj ET Q q 0 0 0 rg BT 258.91 205.25 Td (at ) Tj ET Q q 0 0 0 rg BT 268.63 205.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 327.21 205.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 349.71 205.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 391.64 205.25 Td (to ) Tj ET Q q 0 0 0 rg BT 401.91 205.25 Td (124 ) Tj ET Q q 0 0 0 rg BT 419.41 205.25 Td (at ) Tj ET Q q 0 0 0 rg BT 429.13 205.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 487.71 205.25 Td (2016.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 187.25 Td (Occupancy ) Tj ET Q q 0 0 0 rg BT 119.14 187.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.30 187.25 Td (equipment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.46 187.25 Td (Occupancy ) Tj ET Q q 0 0 0 rg BT 239.09 187.25 Td (and ) Tj ET Q q 0 0 0 rg BT 257.69 187.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 304.07 187.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 340.44 187.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 382.35 187.25 Td (by ) Tj ET Q q 0 0 0 rg BT 396.51 187.25 Td ($0.4million, ) Tj ET Q q 0 0 0 rg BT 452.07 187.25 Td (or ) Tj ET Q q 0 0 0 rg BT 464.56 187.25 Td (6%, ) Tj ET Q q 0 0 0 rg BT 484.55 187.25 Td (for ) Tj ET Q q 0 0 0 rg BT 500.38 187.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.75 187.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 187.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.06 175.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 132.54 175.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.94 175.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.70 175.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.89 175.25 Td (year ) Tj ET Q q 0 0 0 rg BT 217.08 175.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 242.93 175.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 300.99 175.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 325.33 175.25 Td (The ) Tj ET Q q 0 0 0 rg BT 342.85 175.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 377.58 175.25 Td (was ) Tj ET Q q 0 0 0 rg BT 395.11 175.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 422.64 175.25 Td (by ) Tj ET Q q 0 0 0 rg BT 434.61 175.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 473.24 175.25 Td (in ) Tj ET Q q 0 0 0 rg BT 482.99 175.25 Td (IT) Tj ET Q q 0 0 0 rg BT 492.25 175.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.23 175.25 Td (related ) Tj ET Q q 0 0 0 rg BT 523.41 175.25 Td (expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.25 Td (one ) Tj ET Q q 0 0 0 rg BT 67.30 163.25 Td (time ) Tj ET Q q 0 0 0 rg BT 87.94 163.25 Td (char) Tj ET Q q 0 0 0 rg BT 104.96 163.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 121.16 163.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 154.56 163.25 Td (to ) Tj ET Q q 0 0 0 rg BT 165.20 163.25 Td (back ) Tj ET Q q 0 0 0 rg BT 186.94 163.25 Td (of) Tj ET Q q 0 0 0 rg BT 195.09 163.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 212.94 163.25 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 269.68 163.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 302.54 163.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.84 163.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 373.23 163.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 396.09 163.25 Td (for ) Tj ET Q q 0 0 0 rg BT 410.61 163.25 Td (our ) Tj ET Q q 0 0 0 rg BT 426.81 163.25 Td (headquarters ) Tj ET Q q 0 0 0 rg BT 480.75 163.25 Td (building ) Tj ET Q q 0 0 0 rg BT 516.95 163.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 554.24 163.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 151.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 91.66 151.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 122.47 151.25 Td (of ) Tj ET Q q 0 0 0 rg BT 133.30 151.25 Td (2016.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 133.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 79.63 133.25 Td (ofessional ) Tj ET Q q 0 0 0 rg BT 122.69 133.25 Td (services.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.39 133.25 Td (Professional ) Tj ET Q q 0 0 0 rg BT 216.83 133.25 Td (services ) Tj ET Q q 0 0 0 rg BT 251.54 133.25 Td (include ) Tj ET Q q 0 0 0 rg BT 283.48 133.25 Td (legal, ) Tj ET Q q 0 0 0 rg BT 307.91 133.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 330.41 133.25 Td (and ) Tj ET Q q 0 0 0 rg BT 347.35 133.25 Td (professional ) Tj ET Q q 0 0 0 rg BT 398.73 133.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 417.33 133.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 437.05 133.25 Td (to ) Tj ET Q q 0 0 0 rg BT 447.33 133.25 Td (external ) Tj ET Q q 0 0 0 rg BT 482.03 133.25 Td (parties. ) Tj ET Q q 0 0 0 rg BT 513.69 133.25 Td (For ) Tj ET Q q 0 0 0 rg BT 530.08 133.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 133.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.95 121.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 136.10 121.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 159.17 121.25 Td (professional ) Tj ET Q q 0 0 0 rg BT 211.12 121.25 Td (services ) Tj ET Q q 0 0 0 rg BT 246.40 121.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 287.23 121.25 Td (by ) Tj ET Q q 0 0 0 rg BT 300.30 121.25 Td ($0.4million, ) Tj ET Q q 0 0 0 rg BT 354.76 121.25 Td (or ) Tj ET Q q 0 0 0 rg BT 366.16 121.25 Td (25%, ) Tj ET Q q 0 0 0 rg BT 390.06 121.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 432.56 121.25 Td (to ) Tj ET Q q 0 0 0 rg BT 443.41 121.25 Td (the ) Tj ET Q q 0 0 0 rg BT 458.70 121.25 Td (year ) Tj ET Q q 0 0 0 rg BT 478.97 121.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.92 121.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 74.88 109.25 Td (The ) Tj ET Q q 0 0 0 rg BT 92.99 109.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 128.30 109.25 Td (in ) Tj ET Q q 0 0 0 rg BT 138.64 109.25 Td (the ) Tj ET Q q 0 0 0 rg BT 153.42 109.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 175.99 109.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 210.75 109.25 Td (is ) Tj ET Q q 0 0 0 rg BT 219.99 109.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 259.76 109.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 287.87 109.25 Td (by ) Tj ET Q q 0 0 0 rg BT 300.43 109.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 340.75 109.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 359.41 109.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 379.19 109.25 Td (for ) Tj ET Q q 0 0 0 rg BT 393.41 109.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 426.52 109.25 Td (and ) Tj ET Q q 0 0 0 rg BT 443.52 109.25 Td (external ) Tj ET Q q 0 0 0 rg BT 478.28 109.25 Td (audit, ) Tj ET Q q 0 0 0 rg BT 503.34 109.25 Td (and ) Tj ET Q q 0 0 0 rg BT 520.34 109.25 Td (consulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (services ) Tj ET Q q 0 0 0 rg BT 84.71 97.25 Td (to ) Tj ET Q q 0 0 0 rg BT 94.99 97.25 Td (support ) Tj ET Q q 0 0 0 rg BT 127.49 97.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.20 97.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 172.47 97.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 203.30 97.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.13 97.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.84 97.25 Td (business.) Tj ET Q endstream endobj 91 0 obj <> endobj 92 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 50.00 742.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.98 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 89.73 742.25 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 104.60 724.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 121.42 724.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 158.24 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 174.51 724.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 214.94 724.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 243.42 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 304.12 724.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 331.23 724.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 355.84 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.89 724.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 399.50 724.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.32 724.25 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 453.43 724.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.32 724.25 Td (, ) Tj ET Q q 0 0 0 rg BT 489.43 724.25 Td ($1) Tj ET Q q 0 0 0 rg BT 499.06 724.25 Td (1.3million ) Tj ET Q q 0 0 0 rg BT 547.56 724.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td ($6.0million, ) Tj ET Q q 0 0 0 rg BT 103.41 712.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 151.07 712.25 Td (. ) Tj ET Q q 0 0 0 rg BT 155.44 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 173.00 712.25 Td (ef) Tj ET Q q 0 0 0 rg BT 180.59 712.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 209.81 712.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 224.04 712.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 244.93 712.25 Td (for ) Tj ET Q q 0 0 0 rg BT 258.61 712.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 296.44 712.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 322.33 712.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 380.43 712.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 404.95 712.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 426.96 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 443.42 712.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 467.93 712.25 Td (were ) Tj ET Q q 0 0 0 rg BT 489.38 712.25 Td (17.6%, ) Tj ET Q q 0 0 0 rg BT 519.72 712.25 Td (45.0% ) Tj ET Q q 0 0 0 rg BT 547.57 712.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (32.6%, ) Tj ET Q q 0 0 0 rg BT 80.99 700.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 128.65 700.25 Td (. ) Tj ET Q q 0 0 0 rg BT 133.61 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 151.81 700.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 188.88 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.31 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.19 700.25 Td (ef) Tj ET Q q 0 0 0 rg BT 221.77 700.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 251.63 700.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 266.50 700.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 284.15 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 298.46 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.33 700.25 Td (year ) Tj ET Q q 0 0 0 rg BT 333.19 700.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 359.73 700.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 418.47 700.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 441.12 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 450.45 700.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 490.31 700.25 Td (due ) Tj ET Q q 0 0 0 rg BT 507.41 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 517.84 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.71 700.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 547.59 700.25 Td (law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (change ) Tj ET Q q 0 0 0 rg BT 80.82 688.25 Td (enacted ) Tj ET Q q 0 0 0 rg BT 113.85 688.25 Td (in ) Tj ET Q q 0 0 0 rg BT 124.13 688.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 670.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.45 670.25 Td (net ) Tj ET Q q 0 0 0 rg BT 103.57 670.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 139.78 670.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 154.89 670.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 177.23 670.25 Td (at ) Tj ET Q q 0 0 0 rg BT 187.35 670.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 246.33 670.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 271.73 670.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.19 670.25 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 310.59 670.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.48 670.25 Td (, ) Tj ET Q q 0 0 0 rg BT 344.88 670.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 387.20 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.88 670.25 Td ($4.9million, ) Tj ET Q q 0 0 0 rg BT 452.17 670.25 Td (at ) Tj ET Q q 0 0 0 rg BT 462.29 670.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 521.27 670.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 546.47 670.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 86.91 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 97.19 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.91 658.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 147.71 658.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 162.43 658.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 184.37 658.25 Td (at ) Tj ET Q q 0 0 0 rg BT 194.09 658.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 252.67 658.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 275.17 658.25 Td (is ) Tj ET Q q 0 0 0 rg BT 284.34 658.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 324.05 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 330.99 658.25 Td (result ) Tj ET Q q 0 0 0 rg BT 355.71 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.54 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 373.48 658.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 413.74 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 424.02 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.74 658.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 481.77 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 495.93 658.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 515.64 658.25 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 640.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.55 640.25 Td (October8, ) Tj ET Q q 0 0 0 rg BT 129.08 640.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 153.91 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.45 640.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 191.88 640.25 Td (established ) Tj ET Q q 0 0 0 rg BT 238.64 640.25 Td (a ) Tj ET Q q 0 0 0 rg BT 245.41 640.25 Td (new ) Tj ET Q q 0 0 0 rg BT 264.39 640.25 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 324.49 640.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 364.94 640.25 Td (, ) Tj ET Q q 0 0 0 rg BT 369.77 640.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 410.42 640.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 433.29 640.25 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 473.94 640.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 504.32 640.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 521.92 640.25 Td (\(a ) Tj ET Q q 0 0 0 rg BT 532.01 640.25 Td (Passive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 97.05 628.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 138.55 628.25 Td (PIC\). ) Tj ET Q q 0 0 0 rg BT 171.25 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 189.41 628.25 Td (PIC ) Tj ET Q q 0 0 0 rg BT 207.59 628.25 Td (was ) Tj ET Q q 0 0 0 rg BT 225.76 628.25 Td (or) Tj ET Q q 0 0 0 rg BT 233.91 628.25 Td (ganized ) Tj ET Q q 0 0 0 rg BT 267.62 628.25 Td (in ) Tj ET Q q 0 0 0 rg BT 278.01 628.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 325.59 628.25 Td (with ) Tj ET Q q 0 0 0 rg BT 345.98 628.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 396.92 628.25 Td (statutes ) Tj ET Q q 0 0 0 rg BT 429.53 628.25 Td (to ) Tj ET Q q 0 0 0 rg BT 439.92 628.25 Td (hold ) Tj ET Q q 0 0 0 rg BT 460.32 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 477.37 628.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 511.08 628.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 540.90 628.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.79 616.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.78 616.25 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 139.43 616.25 Td (by ) Tj ET Q q 0 0 0 rg BT 152.22 616.25 Td (real ) Tj ET Q q 0 0 0 rg BT 169.99 616.25 Td (estate. ) Tj ET Q q 0 0 0 rg BT 198.05 616.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 230.82 616.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 260.26 616.25 Td (by ) Tj ET Q q 0 0 0 rg BT 273.05 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.06 616.25 Td (PIC ) Tj ET Q q 0 0 0 rg BT 306.41 616.25 Td (is ) Tj ET Q q 0 0 0 rg BT 315.87 616.25 Td (exempt ) Tj ET Q q 0 0 0 rg BT 348.09 616.25 Td (from ) Tj ET Q q 0 0 0 rg BT 370.32 616.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 421.43 616.25 Td (income ) Tj ET Q q 0 0 0 rg BT 453.66 616.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 468.66 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 485.89 616.25 Td (any ) Tj ET Q q 0 0 0 rg BT 503.12 616.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 544.80 616.25 Td (paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.63 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.47 604.25 Td (PIC ) Tj ET Q q 0 0 0 rg BT 95.66 604.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.07 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.92 604.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 144.65 604.25 Td (are ) Tj ET Q q 0 0 0 rg BT 159.49 604.25 Td (not ) Tj ET Q q 0 0 0 rg BT 174.89 604.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 206.40 604.25 Td (income ) Tj ET Q q 0 0 0 rg BT 238.46 604.25 Td (for ) Tj ET Q q 0 0 0 rg BT 252.75 604.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 303.69 604.25 Td (income ) Tj ET Q q 0 0 0 rg BT 335.76 604.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 350.60 604.25 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 391.28 604.25 Td (See ) Tj ET Q q 0 0 0 rg BT 408.35 604.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 430.42 604.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 443.04 604.25 Td (to ) Tj ET Q q 0 0 0 rg BT 453.45 604.25 Td (our ) Tj ET Q q 0 0 0 rg BT 469.41 604.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 524.81 604.25 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 96.38 592.25 Td (for ) Tj ET Q q 0 0 0 rg BT 110.54 592.25 Td (further ) Tj ET Q q 0 0 0 rg BT 140.25 592.25 Td (information ) Tj ET Q q 0 0 0 rg BT 189.96 592.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 230.78 592.25 Td (income ) Tj ET Q q 0 0 0 rg BT 262.71 592.25 Td (taxes.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Financial Condition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (Summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 538.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.12 538.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 117.17 538.25 Td (at ) Tj ET Q q 0 0 0 rg BT 126.10 538.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 183.90 538.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 205.61 538.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.76 538.25 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 245.97 538.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.09 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 276.30 538.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.45 538.25 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.21 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 321.92 538.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.97 538.25 Td ($77.1 ) Tj ET Q q 0 0 0 rg BT 356.18 538.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.08 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 389.29 538.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.34 538.25 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.67 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 416.88 538.25 Td (from ) Tj ET Q q 0 0 0 rg BT 438.04 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.97 538.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 509.77 538.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 531.48 538.25 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.64 526.25 Td ($1.8billion. ) Tj ET Q q 0 0 0 rg BT 111.40 526.25 Td (This ) Tj ET Q q 0 0 0 rg BT 131.49 526.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 166.56 526.25 Td (was ) Tj ET Q q 0 0 0 rg BT 184.43 526.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 223.95 526.25 Td (due ) Tj ET Q q 0 0 0 rg BT 240.70 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 250.80 526.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 292.54 526.25 Td (or) Tj ET Q q 0 0 0 rg BT 300.69 526.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 324.66 526.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 344.19 526.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 377.34 526.25 Td (Gross ) Tj ET Q q 0 0 0 rg BT 402.98 526.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 426.41 526.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.15 526.25 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 467.96 526.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.07 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 496.39 526.25 Td (at ) Tj ET Q q 0 0 0 rg BT 505.92 526.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 75.00 514.25 Td (up ) Tj ET Q q 0 0 0 rg BT 87.50 514.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.00 514.25 Td ($61.7 ) Tj ET Q q 0 0 0 rg BT 125.00 514.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.89 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 156.39 514.25 Td (from ) Tj ET Q q 0 0 0 rg BT 178.33 514.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 236.91 514.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 496.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 93.07 496.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 132.96 496.25 Td (at ) Tj ET Q q 0 0 0 rg BT 142.84 496.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 201.60 496.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 224.27 496.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.36 496.25 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 266.53 496.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.64 496.25 Td (, ) Tj ET Q q 0 0 0 rg BT 297.81 496.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.92 496.25 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.67 496.25 Td ( ) Tj ET Q q 0 0 0 rg BT 345.34 496.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.34 496.25 Td ($63.9 ) Tj ET Q q 0 0 0 rg BT 381.51 496.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 496.25 Td ( ) Tj ET Q q 0 0 0 rg BT 413.07 496.25 Td (from ) Tj ET Q q 0 0 0 rg BT 435.18 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.06 496.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 508.81 496.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 531.48 496.25 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.58 484.25 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 84.33 484.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.44 484.25 Td (. ) Tj ET Q q 0 0 0 rg BT 116.88 484.25 Td (This ) Tj ET Q q 0 0 0 rg BT 138.91 484.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 175.92 484.25 Td (was ) Tj ET Q q 0 0 0 rg BT 195.72 484.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 237.18 484.25 Td (due ) Tj ET Q q 0 0 0 rg BT 255.87 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 267.89 484.25 Td (an ) Tj ET Q q 0 0 0 rg BT 281.58 484.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 318.59 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 330.61 484.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 370.14 484.25 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 424.94 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 429.19 484.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 458.43 484.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.89 484.25 Td ($174.2 ) Tj ET Q q 0 0 0 rg BT 521.64 484.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.53 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 554.78 484.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.98 472.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 132.37 472.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.71 472.25 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.46 472.25 Td ( ) Tj ET Q q 0 0 0 rg BT 178.35 472.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.58 472.25 Td ($13.2 ) Tj ET Q q 0 0 0 rg BT 212.97 472.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.87 472.25 Td ( ) Tj ET Q q 0 0 0 rg BT 243.76 472.25 Td (from ) Tj ET Q q 0 0 0 rg BT 265.09 472.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 323.07 472.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 347.47 472.25 Td (lar) Tj ET Q q 0 0 0 rg BT 357.83 472.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 376.94 472.25 Td (due ) Tj ET Q q 0 0 0 rg BT 393.28 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 402.95 472.25 Td (net ) Tj ET Q q 0 0 0 rg BT 417.06 472.25 Td (income ) Tj ET Q q 0 0 0 rg BT 448.39 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 461.94 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 476.05 472.25 Td (year ) Tj ET Q q 0 0 0 rg BT 495.16 472.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 520.93 472.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 64.60 460.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 86.70 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 97.13 460.25 Td ($17.4 ) Tj ET Q q 0 0 0 rg BT 121.73 460.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 155.23 460.25 Td (of) Tj ET Q q 0 0 0 rg BT 163.38 460.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 179.92 460.25 Td (by ) Tj ET Q q 0 0 0 rg BT 192.02 460.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 233.00 460.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 252.32 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 262.75 460.25 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 282.35 460.25 Td (million ) Tj ET Q q 0 0 0 rg BT 313.35 460.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.89 460.25 Td (a ) Tj ET Q q 0 0 0 rg BT 336.43 460.25 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 356.03 460.25 Td (million ) Tj ET Q q 0 0 0 rg BT 387.02 460.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 416.33 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 426.21 460.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 478.84 460.25 Td (other ) Tj ET Q q 0 0 0 rg BT 501.49 460.25 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (income ) Tj ET Q q 0 0 0 rg BT 82.51 448.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 111.14 448.25 Td (by ) Tj ET Q q 0 0 0 rg BT 124.22 448.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 141.18 448.25 Td (value ) Tj ET Q q 0 0 0 rg BT 165.91 448.25 Td (marks ) Tj ET Q q 0 0 0 rg BT 193.43 448.25 Td (related ) Tj ET Q q 0 0 0 rg BT 223.71 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 234.57 448.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 261.53 448.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 300.73 448.25 Td (involving ) Tj ET Q q 0 0 0 rg BT 342.14 448.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 374.66 448.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 392.72 448.25 Td (swaps. ) Tj ET Q q 0 0 0 rg BT 422.52 448.25 Td (The ) Tj ET Q q 0 0 0 rg BT 441.15 448.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 465.34 448.25 Td (exceeded ) Tj ET Q q 0 0 0 rg BT 505.61 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.91 448.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 90.50 436.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 118.76 436.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 143.69 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 153.08 436.25 Td (be ) Tj ET Q q 0 0 0 rg BT 164.12 436.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 209.05 436.25 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 274.51 436.25 Td (with ) Tj ET Q q 0 0 0 rg BT 293.89 436.25 Td (total ) Tj ET Q q 0 0 0 rg BT 313.27 436.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 355.98 436.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 384.24 436.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.18 436.25 Td (12.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.01 436.25 Td (, ) Tj ET Q q 0 0 0 rg BT 429.12 436.25 Td (tier ) Tj ET Q q 0 0 0 rg BT 444.05 436.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 450.66 436.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 493.36 436.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 521.62 436.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.56 436.25 Td (1) Tj ET Q q 0 0 0 rg BT 536.19 436.25 Td (1.56%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 424.25 Td (tier ) Tj ET Q q 0 0 0 rg BT 82.76 424.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 90.26 424.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 119.41 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 129.69 424.25 Td (average ) Tj ET Q q 0 0 0 rg BT 163.28 424.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 189.11 424.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 209.93 424.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.76 424.25 Td (10.14%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.59 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 254.09 424.25 Td (at ) Tj ET Q q 0 0 0 rg BT 263.81 424.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 322.39 424.25 Td (2018.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (Loan Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 388.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 388.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 388.25 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 388.25 Td (compares ) Tj ET Q q 0 0 0 rg BT 192.18 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.90 388.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 258.84 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.67 388.25 Td (our ) Tj ET Q q 0 0 0 rg BT 285.50 388.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 305.22 388.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 342.71 388.25 Td (for ) Tj ET Q q 0 0 0 rg BT 356.88 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.59 388.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 394.64 388.25 Td (indicated:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 358.75 m 306.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 358.75 m 310.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 358.75 m 370.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 358.75 m 434.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 358.75 m 438.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 358.75 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 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 246.5 345.75 m 306.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 358.75 m 370.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 345.75 m 370.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 345.75 m 434.5 345.75 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 438.5 345.75 m 498.5 345.75 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 502.5 345.75 m 562.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 272.75 m 306.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 272.75 m 370.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 272.75 m 434.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 272.75 m 498.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 272.75 m 562.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 227.75 m 306.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 227.75 m 370.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 227.75 m 434.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 227.75 m 498.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 227.75 m 562.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 213.75 m 306.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 211.75 m 306.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 213.75 m 370.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 211.75 m 370.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 213.75 m 434.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 211.75 m 434.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 213.75 m 498.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 211.75 m 498.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 213.75 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 502.5 211.75 m 562.5 211.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 362.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 428.00 362.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.85 362.98 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 267.25 349.98 Td (T) Tj ET Q q 0 0 0 rg BT 272.22 349.98 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.00 349.98 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 395.25 349.98 Td (T) Tj ET Q q 0 0 0 rg BT 400.22 349.98 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.00 349.98 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.25 349.98 Td (T) Tj ET Q q 0 0 0 rg BT 527.85 349.98 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 379.65 336.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 322.42 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 307.42 Td (Residential) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.50 307.32 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 307.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.15 307.42 Td (178,079) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 307.42 Td (1) Tj ET Q q 0 0 0 rg BT 344.15 307.42 Td (1.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.65 307.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 307.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 307.42 Td (193,524) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 307.42 Td (12.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 307.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 307.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 307.47 Td (\(15,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 307.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 292.42 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.50 292.32 Td (.....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.60 292.42 Td (1,094,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 292.42 Td (68.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 292.42 Td (987,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 292.42 Td (63.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 292.42 Td (106,824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 277.42 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.00 277.32 Td (....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.15 277.42 Td (73,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 277.42 Td (4.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 277.42 Td (101,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 277.42 Td (6.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 277.47 Td (\(28,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.60 262.42 Td (1,345,336) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 262.42 Td (83.84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.60 262.42 Td (1,282,402) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 262.42 Td (83.1) Tj ET Q q 0 0 0 rg BT 484.65 262.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 262.42 Td (62,934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 247.42 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 247.32 Td (.........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.15 247.42 Td (258,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 247.42 Td (16.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 247.42 Td (259,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 247.42 Td (16.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 247.47 Td (\(1,017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 247.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 232.42 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.50 232.32 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 232.42 Td (412) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 232.42 Td (0.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 232.42 Td (619) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 232.42 Td (0.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 232.47 Td (\(207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 232.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 217.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 217.42 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.50 217.32 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 217.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.60 217.42 Td (1,604,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 217.42 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.65 217.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 217.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.60 217.42 Td (1,543,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 217.42 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 217.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 217.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 217.42 Td (61,710) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 195.25 Td (Primary loan categories) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 177.25 Td (Residential ) Tj ET Q q 0 0 0 rg BT 117.42 177.25 Td (r) Tj ET Q q 0 0 0 rg BT 120.94 177.25 Td (eal ) Tj ET Q q 0 0 0 rg BT 135.58 177.25 Td (estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.91 177.25 Td (.Residential ) Tj ET Q q 0 0 0 rg BT 216.33 177.25 Td (real ) Tj ET Q q 0 0 0 rg BT 233.74 177.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 258.93 177.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 282.47 177.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 324.31 177.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.74 177.25 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 361.67 177.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.56 177.25 Td (, ) Tj ET Q q 0 0 0 rg BT 395.49 177.25 Td (or ) Tj ET Q q 0 0 0 rg BT 406.25 177.25 Td (8.0%, ) Tj ET Q q 0 0 0 rg BT 432.00 177.25 Td (at ) Tj ET Q q 0 0 0 rg BT 441.65 177.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 500.16 177.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 522.59 177.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.56 165.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 117.43 165.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 139.22 165.25 Td (and ) Tj ET Q q 0 0 0 rg BT 155.44 165.25 Td (amounted ) Tj ET Q q 0 0 0 rg BT 196.66 165.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.22 165.25 Td ($178.1 ) Tj ET Q q 0 0 0 rg BT 235.51 165.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.40 165.25 Td (, ) Tj ET Q q 0 0 0 rg BT 268.68 165.25 Td (representing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.89 165.25 Td (1) Tj ET Q q 0 0 0 rg BT 324.52 165.25 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.85 165.25 Td ( ) Tj ET Q q 0 0 0 rg BT 339.63 165.25 Td (of ) Tj ET Q q 0 0 0 rg BT 349.75 165.25 Td (total ) Tj ET Q q 0 0 0 rg BT 369.31 165.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 392.20 165.25 Td (at ) Tj ET Q q 0 0 0 rg BT 401.20 165.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 459.07 165.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 483.35 165.25 Td (In ) Tj ET Q q 0 0 0 rg BT 493.47 165.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.47 165.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 533.69 165.25 Td (quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 153.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 153.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 85.83 153.25 Td (management ) Tj ET Q q 0 0 0 rg BT 139.42 153.25 Td (made ) Tj ET Q q 0 0 0 rg BT 163.57 153.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.29 153.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 214.66 153.25 Td (decision ) Tj ET Q q 0 0 0 rg BT 250.49 153.25 Td (to ) Tj ET Q q 0 0 0 rg BT 260.77 153.25 Td (no ) Tj ET Q q 0 0 0 rg BT 273.27 153.25 Td (longer ) Tj ET Q q 0 0 0 rg BT 301.31 153.25 Td (originate ) Tj ET Q q 0 0 0 rg BT 339.36 153.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 383.51 153.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 423.77 153.25 Td (loans.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 135.25 Td (Commer) Tj ET Q q 0 0 0 rg BT 104.07 135.25 Td (cial ) Tj ET Q q 0 0 0 rg BT 121.71 135.25 Td (r) Tj ET Q q 0 0 0 rg BT 125.23 135.25 Td (eal ) Tj ET Q q 0 0 0 rg BT 140.10 135.25 Td (estate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.92 135.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 225.50 135.25 Td (real ) Tj ET Q q 0 0 0 rg BT 243.13 135.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 268.54 135.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 292.29 135.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.36 135.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 334.51 135.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.62 135.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.21 135.25 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.94 135.25 Td (68%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.27 135.25 Td ( ) Tj ET Q q 0 0 0 rg BT 449.91 135.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.89 135.25 Td (our ) Tj ET Q q 0 0 0 rg BT 476.86 135.25 Td (total ) Tj ET Q q 0 0 0 rg BT 497.28 135.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.14 135.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 554.78 135.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.81 123.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 132.04 123.25 Td (a ) Tj ET Q q 0 0 0 rg BT 138.21 123.25 Td (net ) Tj ET Q q 0 0 0 rg BT 152.16 123.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 186.64 123.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.70 123.25 Td ($106.8 ) Tj ET Q q 0 0 0 rg BT 225.93 123.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.82 123.25 Td (, ) Tj ET Q q 0 0 0 rg BT 259.05 123.25 Td (or ) Tj ET Q q 0 0 0 rg BT 269.11 123.25 Td (1) Tj ET Q q 0 0 0 rg BT 273.74 123.25 Td (1%, ) Tj ET Q q 0 0 0 rg BT 291.30 123.25 Td (from ) Tj ET Q q 0 0 0 rg BT 312.47 123.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 370.29 123.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 394.52 123.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 445.67 123.25 Td (real ) Tj ET Q q 0 0 0 rg BT 462.39 123.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 486.88 123.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 505.83 123.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 535.89 123.25 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 111.25 Td (these ) Tj ET Q q 0 0 0 rg BT 73.58 111.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 106.04 111.25 Td (lar) Tj ET Q q 0 0 0 rg BT 116.41 111.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 136.66 111.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 169.11 111.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 197.14 111.25 Td (production ) Tj ET Q q 0 0 0 rg BT 243.50 111.25 Td (from ) Tj ET Q q 0 0 0 rg BT 265.96 111.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 317.29 111.25 Td (relationship ) Tj ET Q q 0 0 0 rg BT 367.54 111.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 408.88 111.25 Td (in ) Tj ET Q q 0 0 0 rg BT 419.69 111.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.94 111.25 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 486.82 111.25 Td (and ) Tj ET Q q 0 0 0 rg BT 504.29 111.25 Td (their ) Tj ET Q q 0 0 0 rg BT 525.65 111.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.23 111.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 99.25 Td (source ) Tj ET Q q 0 0 0 rg BT 78.74 99.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 109.16 99.25 Td (opportunities, ) Tj ET Q q 0 0 0 rg BT 167.08 99.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.16 99.25 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 224.56 99.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 257.20 99.25 Td (to ) Tj ET Q q 0 0 0 rg BT 267.62 99.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 301.93 99.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 347.62 99.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 399.69 99.25 Td (real ) Tj ET Q q 0 0 0 rg BT 417.32 99.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 442.73 99.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.48 99.25 Td (are ) Tj ET Q q 0 0 0 rg BT 481.33 99.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 514.51 99.25 Td (by ) Tj ET Q q 0 0 0 rg BT 527.16 99.25 Td (a ) Tj ET Q q 0 0 0 rg BT 534.24 99.25 Td (variety ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 87.25 Td (property ) Tj ET Q q 0 0 0 rg BT 97.21 87.25 Td (types, ) Tj ET Q q 0 0 0 rg BT 123.32 87.25 Td (including ) Tj ET Q q 0 0 0 rg BT 163.59 87.25 Td (of) Tj ET Q q 0 0 0 rg BT 171.74 87.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 189.22 87.25 Td (buildings, ) Tj ET Q q 0 0 0 rg BT 231.45 87.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 254.49 87.25 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 293.92 87.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 343.62 87.25 Td (mixed ) Tj ET Q q 0 0 0 rg BT 371.11 87.25 Td (use ) Tj ET Q q 0 0 0 rg BT 386.94 87.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.88 87.25 Td (multi-family ) Tj ET Q q 0 0 0 rg BT 456.93 87.25 Td (dwellings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 69.25 Td (Construction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.73 69.25 Td (Construction ) Tj ET Q q 0 0 0 rg BT 187.33 69.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 211.88 69.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.74 69.25 Td ($73.2 ) Tj ET Q q 0 0 0 rg BT 260.68 69.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.57 69.25 Td (at ) Tj ET Q q 0 0 0 rg BT 302.72 69.25 Td (December31 ) Tj ET Q q 0 0 0 rg BT 359.75 69.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 385.68 69.25 Td (down ) Tj ET Q q 0 0 0 rg BT 411.34 69.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.78 69.25 Td ($28.4 ) Tj ET Q q 0 0 0 rg BT 450.72 69.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.61 69.25 Td ( ) Tj ET Q q 0 0 0 rg BT 483.05 69.25 Td (from ) Tj ET Q q 0 0 0 rg BT 505.92 69.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 75.48 57.25 Td (The ) Tj ET Q q 0 0 0 rg BT 94.24 57.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 127.99 57.25 Td (contains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.52 57.25 Td ($40.3 ) Tj ET Q q 0 0 0 rg BT 190.24 57.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.13 57.25 Td ( ) Tj ET Q q 0 0 0 rg BT 222.34 57.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 271.09 57.25 Td (to ) Tj ET Q q 0 0 0 rg BT 282.08 57.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 332.49 57.25 Td (construction ) Tj ET Q q 0 0 0 rg BT 385.14 57.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.79 57.25 Td ($32.9 ) Tj ET Q q 0 0 0 rg BT 428.50 57.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.39 57.25 Td ( ) Tj ET Q q 0 0 0 rg BT 460.61 57.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 509.36 57.25 Td (to ) Tj ET Q q 0 0 0 rg BT 520.35 57.25 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.25 Td (construction. ) Tj ET Q q 0 0 0 rg BT 106.90 45.25 Td (Construction ) Tj ET Q q 0 0 0 rg BT 163.54 45.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 189.61 45.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.80 45.25 Td ($101.6 ) Tj ET Q q 0 0 0 rg BT 254.27 45.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.16 45.25 Td ( ) Tj ET Q q 0 0 0 rg BT 288.13 45.25 Td (at ) Tj ET Q q 0 0 0 rg BT 300.31 45.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 361.37 45.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 388.83 45.25 Td (of ) Tj ET Q q 0 0 0 rg BT 402.13 45.25 Td (which ) Tj ET Q q 0 0 0 rg BT 431.54 45.25 Td ($92.7million ) Tj ET Q q 0 0 0 rg BT 490.40 45.25 Td (were ) Tj ET Q q 0 0 0 rg BT 514.80 45.25 Td (commercial ) 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 (44) 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 102.04 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.09 742.10 Td ($8.9million ) Tj ET Q q 0 0 0 rg BT 170.59 742.10 Td (were ) Tj ET Q q 0 0 0 rg BT 192.63 742.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 236.89 742.10 Td (construction. ) Tj ET Q q 0 0 0 rg BT 291.43 742.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 343.47 742.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 395.51 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 419.23 742.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 449.61 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.55 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 510.36 742.10 Td (development ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (projects, ) Tj ET Q q 0 0 0 rg BT 87.02 730.10 Td (such ) Tj ET Q q 0 0 0 rg BT 108.22 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 119.42 730.10 Td (condominiums, ) Tj ET Q q 0 0 0 rg BT 184.23 730.10 Td (apartment ) Tj ET Q q 0 0 0 rg BT 227.08 730.10 Td (building ) Tj ET Q q 0 0 0 rg BT 263.29 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.59 730.10 Td (single-family ) Tj ET Q q 0 0 0 rg BT 336.78 730.10 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 389.66 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 400.86 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 420.94 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 432.14 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 440.29 730.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 458.15 730.10 Td (buildings, ) Tj ET Q q 0 0 0 rg BT 500.74 730.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 524.15 730.10 Td (and ) 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 83.27 718.10 Td (producing ) Tj ET Q q 0 0 0 rg BT 127.64 718.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 171.46 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.73 718.10 Td (land ) Tj ET Q q 0 0 0 rg BT 210.78 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 238.22 718.10 Td (while ) Tj ET Q q 0 0 0 rg BT 264.27 718.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 309.75 718.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 363.01 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 387.95 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 403.99 718.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 445.04 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.65 718.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 504.92 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.53 718.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 549.79 718.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 101.93 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.76 706.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 156.91 706.10 Td (dwellings ) Tj ET Q q 0 0 0 rg BT 198.30 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 212.46 706.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 248.84 706.10 Td (use.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 688.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 104.07 688.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 121.81 688.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.20 688.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 217.87 688.10 Td (business ) Tj ET Q q 0 0 0 rg BT 254.50 688.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 278.34 688.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.51 688.10 Td ($259.0 ) Tj ET Q q 0 0 0 rg BT 330.75 688.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.64 688.10 Td ( ) Tj ET Q q 0 0 0 rg BT 362.38 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.56 688.10 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.38 688.10 Td (16%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.71 688.10 Td ( ) Tj ET Q q 0 0 0 rg BT 449.45 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.52 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.59 688.10 Td (total ) Tj ET Q q 0 0 0 rg BT 497.10 688.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.06 688.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 554.79 688.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.51 676.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 133.44 676.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 175.29 676.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.49 676.10 Td ($260.0 ) Tj ET Q q 0 0 0 rg BT 215.42 676.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.31 676.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.67 676.10 Td (17%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 676.10 Td ( ) Tj ET Q q 0 0 0 rg BT 284.43 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.18 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.83 676.10 Td (total ) Tj ET Q q 0 0 0 rg BT 330.02 676.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 367.45 676.10 Td (at ) Tj ET Q q 0 0 0 rg BT 377.09 676.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 435.60 676.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 460.52 676.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 478.50 676.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 528.12 676.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.33 664.10 Td (lar) Tj ET Q q 0 0 0 rg BT 84.70 664.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 105.14 664.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 133.90 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.46 664.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 204.23 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.24 664.10 Td (this ) Tj ET Q q 0 0 0 rg BT 232.91 664.10 Td (segment, ) Tj ET Q q 0 0 0 rg BT 271.96 664.10 Td (including ) Tj ET Q q 0 0 0 rg BT 312.96 664.10 Td (small ) Tj ET Q q 0 0 0 rg BT 337.86 664.10 Td (business ) Tj ET Q q 0 0 0 rg BT 374.97 664.10 Td (lending. ) Tj ET Q q 0 0 0 rg BT 410.70 664.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 463.35 664.10 Td (business ) Tj ET Q q 0 0 0 rg BT 500.47 664.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 524.80 664.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 82.14 652.10 Td (working ) Tj ET Q q 0 0 0 rg BT 117.06 652.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 147.80 652.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 191.60 652.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 233.45 652.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 272.80 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 286.05 652.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 325.41 652.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 384.21 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.23 652.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 439.59 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 452.84 652.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 494.97 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.00 652.10 Td (are ) Tj ET Q q 0 0 0 rg BT 524.80 652.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 83.04 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 95.54 640.10 Td (assignments ) Tj ET Q q 0 0 0 rg BT 146.92 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.75 640.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 198.01 640.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 226.34 640.10 Td (real ) Tj ET Q q 0 0 0 rg BT 243.82 640.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 269.09 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 286.03 640.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 322.40 640.10 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 367.66 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.49 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.20 640.10 Td (business ) Tj ET Q q 0 0 0 rg BT 429.59 640.10 Td (owners.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 86.25 622.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 122.73 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.12 622.10 Td (appropriateness ) Tj ET Q q 0 0 0 rg BT 204.04 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.54 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 232.05 622.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 286.87 622.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 327.81 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.76 622.10 Td (response ) Tj ET Q q 0 0 0 rg BT 376.92 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.87 622.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 423.25 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.20 622.10 Td (national ) Tj ET Q q 0 0 0 rg BT 469.58 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.19 622.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 523.13 622.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 97.33 610.10 Td (including ) Tj ET Q q 0 0 0 rg BT 138.26 610.10 Td (such ) Tj ET Q q 0 0 0 rg BT 159.75 610.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 192.34 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 203.84 610.10 Td (market ) Tj ET Q q 0 0 0 rg BT 234.76 610.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 267.35 610.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 291.89 610.10 Td (ener) Tj ET Q q 0 0 0 rg BT 308.92 610.10 Td (gy ) Tj ET Q q 0 0 0 rg BT 322.08 610.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 351.62 610.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 379.22 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.15 610.10 Td (real ) Tj ET Q q 0 0 0 rg BT 408.30 610.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 434.22 610.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 465.43 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.03 610.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 536.18 610.10 Td (levels. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 76.61 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.78 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 104.28 598.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 150.89 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.40 598.10 Td (these ) Tj ET Q q 0 0 0 rg BT 184.12 598.10 Td (matters, ) Tj ET Q q 0 0 0 rg BT 218.22 598.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 272.05 598.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 311.99 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.60 598.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 353.53 598.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 400.15 598.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 438.42 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 452.80 598.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 492.72 598.10 Td (from ) Tj ET Q q 0 0 0 rg BT 514.33 598.10 Td (time ) Tj ET Q q 0 0 0 rg BT 534.28 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 544.23 598.10 Td (time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 586.10 Td (response ) Tj ET Q q 0 0 0 rg BT 97.77 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.05 586.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 142.75 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 153.03 586.10 Td (these ) Tj ET Q q 0 0 0 rg BT 176.08 586.10 Td (conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 568.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.84 568.10 Td (following ) Tj ET Q q 0 0 0 rg BT 127.01 568.10 Td (table ) Tj ET Q q 0 0 0 rg BT 147.73 568.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 181.79 568.10 Td (an ) Tj ET Q q 0 0 0 rg BT 192.52 568.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 226.03 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.64 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.15 568.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 284.32 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.94 568.10 Td (our ) Tj ET Q q 0 0 0 rg BT 308.56 568.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 357.05 568.10 Td (real ) Tj ET Q q 0 0 0 rg BT 373.32 568.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 399.87 568.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 448.36 568.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 499.08 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.81 568.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (business ) Tj ET Q q 0 0 0 rg BT 86.39 556.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 106.11 556.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 147.50 556.10 Td (as ) Tj ET Q q 0 0 0 rg BT 158.33 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.16 556.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 227.74 556.10 Td (2018.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 526.6 m 385.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 526.6 m 389.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 526.6 m 444.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 526.6 m 448.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 526.6 m 503.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 526.6 m 507.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 526.6 m 562.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 505.6 m 385.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 505.6 m 444.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 505.6 m 503.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 505.6 m 562.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 462.6 m 385.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 462.6 m 444.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 462.6 m 503.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 462.6 m 562.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 417.6 m 385.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 417.6 m 444.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 417.6 m 503.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 417.6 m 562.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 402.6 m 385.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 402.6 m 444.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 402.6 m 503.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 402.6 m 562.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 388.6 m 385.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 386.6 m 385.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 388.6 m 444.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 386.6 m 444.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 388.6 m 503.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 386.6 m 503.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 388.6 m 562.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 386.6 m 562.5 386.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.75 530.83 Td (December) Tj ET Q q 0 0 0 rg BT 448.32 530.83 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.45 517.83 Td (Commer) Tj ET Q q 0 0 0 rg BT 366.51 517.83 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.05 509.83 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 395.45 517.83 Td (Commer) Tj ET Q q 0 0 0 rg BT 425.51 517.83 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 394.05 509.83 Td (Construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.45 517.83 Td (Commer) Tj ET Q q 0 0 0 rg BT 484.51 517.83 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.80 509.83 Td (Business) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 525.75 509.83 Td (T) Tj ET Q q 0 0 0 rg BT 530.35 509.83 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 421.65 496.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 482.27 Td (Amounts due:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 467.27 Td (One year or less) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.50 467.17 Td (.................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 467.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 467.27 Td (44,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 467.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 467.27 Td (1) Tj ET Q q 0 0 0 rg BT 418.15 467.27 Td (1,816) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 467.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 467.27 Td (15,1) Tj ET Q q 0 0 0 rg BT 489.65 467.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 467.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 467.27 Td (71,185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 452.27 Td (After one year:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 437.27 Td (One to fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.00 437.17 Td (......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 437.27 Td (384,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 437.27 Td (10,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 437.27 Td (130,020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 437.27 Td (525,249) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 422.27 Td (Over fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 422.17 Td (........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 422.27 Td (665,494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 422.27 Td (17,567) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 422.27 Td (1) Tj ET Q q 0 0 0 rg BT 472.15 422.27 Td (13,841) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 422.27 Td (796,902) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 407.27 Td (T) Tj ET Q q 0 0 0 rg BT 88.41 407.27 Td (otal due after one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.50 407.17 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.60 407.27 Td (1,049,814) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 407.27 Td (28,476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 407.27 Td (243,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 407.27 Td (1,322,151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 392.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 392.27 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.00 392.17 Td (..............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 392.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.60 392.27 Td (1,094,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 392.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 392.27 Td (40,292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 392.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 392.27 Td (258,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 392.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 392.27 Td (1,393,336) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.38 370.10 Td (following ) Tj ET Q q 0 0 0 rg BT 128.11 370.10 Td (table ) Tj ET Q q 0 0 0 rg BT 149.38 370.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 183.99 370.10 Td (an ) Tj ET Q q 0 0 0 rg BT 195.26 370.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 229.32 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.48 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.54 370.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 284.81 370.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 301.63 370.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 344.58 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.75 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 369.92 370.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 418.95 370.10 Td (real ) Tj ET Q q 0 0 0 rg BT 435.77 370.10 Td (estate,commercial ) Tj ET Q q 0 0 0 rg BT 512.57 370.10 Td (construction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 358.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 116.64 358.10 Td (business ) Tj ET Q q 0 0 0 rg BT 153.03 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 172.74 358.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 214.13 358.10 Td (due ) Tj ET Q q 0 0 0 rg BT 231.07 358.10 Td (after ) Tj ET Q q 0 0 0 rg BT 251.88 358.10 Td (one ) Tj ET Q q 0 0 0 rg BT 268.82 358.10 Td (year ) Tj ET Q q 0 0 0 rg BT 288.53 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 299.36 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.19 358.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 368.77 358.10 Td (2018.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 329.6 m 444.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 329.6 m 448.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 329.6 m 503.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 329.6 m 507.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 329.6 m 562.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 305.6 m 444.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 305.6 m 503.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 305.6 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 389.5 251.60000000000002 m 444.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 251.60000000000002 m 503.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 251.60000000000002 m 562.5 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 238.60000000000002 m 444.5 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 236.60000000000002 m 444.5 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 238.60000000000002 m 503.5 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 236.60000000000002 m 503.5 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 238.60000000000002 m 562.5 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 236.60000000000002 m 562.5 236.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 443.25 333.68 Td (December) Tj ET Q q 0 0 0 rg BT 477.82 333.68 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.80 317.83 Td (Adjustable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 394.20 309.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 411.38 309.83 Td (est Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.65 317.83 Td (Fixed Inter) Tj ET Q q 0 0 0 rg BT 489.94 317.83 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 309.83 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 525.75 309.83 Td (T) Tj ET Q q 0 0 0 rg BT 530.35 309.83 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 451.15 297.68 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 284.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.00 284.17 Td (................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 284.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 284.17 Td (310,382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 284.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 284.17 Td (739,432) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 284.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 284.17 Td (1,049,814) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 270.17 Td (Commercial construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 270.17 Td (............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 270.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 270.17 Td (28,476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 270.17 Td (28,476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 256.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.00 256.17 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 256.17 Td (150,392) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 256.17 Td (93,469) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 256.17 Td (243,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 242.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 242.17 Td (otal loans due after one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 242.17 Td (...................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 242.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 242.17 Td (460,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 242.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 242.17 Td (861,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 242.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 242.17 Td (1,322,151) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Asset Quality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 202.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 202.10 Td (e ) Tj ET Q q 0 0 0 rg BT 86.66 202.10 Td (actively ) Tj ET Q q 0 0 0 rg BT 121.90 202.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 156.58 202.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 179.60 202.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 210.96 202.10 Td (through ) Tj ET Q q 0 0 0 rg BT 245.66 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 262.58 202.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 317.82 202.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 356.94 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.96 202.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 417.98 202.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 465.72 202.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 484.86 202.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 512.88 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.80 202.10 Td (Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 88.63 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 114.48 190.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 132.55 190.10 Td (management ) Tj ET Q q 0 0 0 rg BT 186.72 190.10 Td (through ) Tj ET Q q 0 0 0 rg BT 220.91 190.10 Td (two ) Tj ET Q q 0 0 0 rg BT 238.98 190.10 Td (committees, ) Tj ET Q q 0 0 0 rg BT 290.66 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.95 190.10 Td (Directors' ) Tj ET Q q 0 0 0 rg BT 348.04 190.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 371.67 190.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 419.18 190.10 Td (\("DLC"\) ) Tj ET Q q 0 0 0 rg BT 457.08 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.60 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.21 190.10 Td (Audit ) Tj ET Q q 0 0 0 rg BT 515.07 190.10 Td (Committee. ) 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 68.67 178.10 Td (DLC ) Tj ET Q q 0 0 0 rg BT 91.79 178.10 Td (has ) Tj ET Q q 0 0 0 rg BT 108.23 178.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 143.01 178.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 183.34 178.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 240.91 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 255.69 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.02 178.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 296.91 178.10 Td (granting ) Tj ET Q q 0 0 0 rg BT 333.35 178.10 Td (function ) Tj ET Q q 0 0 0 rg BT 369.79 178.10 Td (including ) Tj ET Q q 0 0 0 rg BT 410.69 178.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 448.79 178.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 488.01 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.79 178.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 528.68 178.10 Td (granting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 86.05 166.10 Td (review ) Tj ET Q q 0 0 0 rg BT 115.71 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.49 166.10 Td (management) Tj ET Q q 0 0 0 rg BT 180.35 166.10 Td (s ) Tj ET Q q 0 0 0 rg BT 186.69 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 211.91 166.10 Td (granting ) Tj ET Q q 0 0 0 rg BT 247.68 166.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 286.23 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.12 166.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 340.55 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.33 166.10 Td (lar) Tj ET Q q 0 0 0 rg BT 361.69 166.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 373.58 166.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 412.13 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 437.34 166.10 Td (requests. ) Tj ET Q q 0 0 0 rg BT 474.88 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 492.34 166.10 Td (Audit ) Tj ET Q q 0 0 0 rg BT 517.56 166.10 Td (Committee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (oversees ) Tj ET Q q 0 0 0 rg BT 85.68 154.10 Td (management) Tj ET Q q 0 0 0 rg BT 139.55 154.10 Td (s ) Tj ET Q q 0 0 0 rg BT 144.69 154.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 189.81 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.84 154.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 231.76 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.23 154.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.25 154.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 298.27 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.85 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 322.44 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 340.91 154.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 377.15 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.84 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.31 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 424.78 154.10 Td (review ) Tj ET Q q 0 0 0 rg BT 453.24 154.10 Td (program. ) Tj ET Q q 0 0 0 rg BT 490.78 154.10 Td (These ) Tj ET Q q 0 0 0 rg BT 515.91 154.10 Td (committees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (report ) Tj ET Q q 0 0 0 rg BT 76.77 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.88 142.10 Td (results ) Tj ET Q q 0 0 0 rg BT 120.88 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.10 142.10 Td (their ) Tj ET Q q 0 0 0 rg BT 153.32 142.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 196.74 142.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 236.85 142.10 Td (functions ) Tj ET Q q 0 0 0 rg BT 276.96 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.63 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 303.85 142.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 331.18 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.41 142.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 385.00 142.10 Td (In ) Tj ET Q q 0 0 0 rg BT 396.23 142.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 434.39 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.61 142.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 477.94 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.17 142.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 529.27 142.10 Td (receives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (information ) Tj ET Q q 0 0 0 rg BT 100.96 130.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 149.14 130.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 172.33 130.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 203.86 130.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 264.81 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.00 130.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 311.19 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 324.95 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 333.14 130.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 370.22 130.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 396.21 130.10 Td (While ) Tj ET Q q 0 0 0 rg BT 424.39 130.10 Td (we ) Tj ET Q q 0 0 0 rg BT 439.80 130.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 477.99 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.52 130.10 Td (adhere ) Tj ET Q q 0 0 0 rg BT 519.92 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.45 130.10 Td (prudent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 105.13 118.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 148.88 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 165.68 118.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 186.37 118.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 224.84 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 234.99 118.10 Td (not ) Tj ET Q q 0 0 0 rg BT 251.24 118.10 Td (immune ) Tj ET Q q 0 0 0 rg BT 287.49 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.75 118.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 337.21 118.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 374.56 118.10 Td (consequences ) Tj ET Q q 0 0 0 rg BT 433.01 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 444.82 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 452.73 118.10 Td (result ) Tj ET Q q 0 0 0 rg BT 478.42 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.23 118.10 Td (general ) Tj ET Q q 0 0 0 rg BT 523.13 118.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (weakness, ) Tj ET Q q 0 0 0 rg BT 93.82 106.10 Td (such ) Tj ET Q q 0 0 0 rg BT 115.15 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 126.47 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.91 106.10 Td (prolonged ) Tj ET Q q 0 0 0 rg BT 177.46 106.10 Td (downturn ) Tj ET Q q 0 0 0 rg BT 218.78 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.56 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.78 106.10 Td (housing ) Tj ET Q q 0 0 0 rg BT 279.44 106.10 Td (market ) Tj ET Q q 0 0 0 rg BT 310.21 106.10 Td (on ) Tj ET Q q 0 0 0 rg BT 323.20 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.64 106.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 366.40 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 377.73 106.10 Td (national ) Tj ET Q q 0 0 0 rg BT 412.94 106.10 Td (scale. ) Tj ET Q q 0 0 0 rg BT 438.42 106.10 Td (Decreases ) Tj ET Q q 0 0 0 rg BT 481.95 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 492.72 106.10 Td (real ) Tj ET Q q 0 0 0 rg BT 510.71 106.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 536.47 106.10 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.70 94.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 115.49 94.10 Td (af) Tj ET Q q 0 0 0 rg BT 123.08 94.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 140.55 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.24 94.10 Td (value ) Tj ET Q q 0 0 0 rg BT 179.38 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.19 94.10 Td (property ) Tj ET Q q 0 0 0 rg BT 226.55 94.10 Td (used ) Tj ET Q q 0 0 0 rg BT 247.36 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.17 94.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 297.85 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 311.99 94.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 338.08 94.10 Td (In ) Tj ET Q q 0 0 0 rg BT 348.89 94.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 386.64 94.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 419.66 94.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 454.35 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.60 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.30 94.10 Td (economy ) Tj ET Q q 0 0 0 rg BT 518.44 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 94.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.38 82.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 94.18 82.10 Td (ef) Tj ET Q q 0 0 0 rg BT 101.77 82.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 119.69 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 132.63 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.79 82.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 176.27 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.54 82.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 231.02 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.74 82.10 Td (make ) Tj ET Q q 0 0 0 rg BT 266.33 82.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 309.25 82.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 329.40 82.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 373.17 82.10 Td (which ) Tj ET Q q 0 0 0 rg BT 400.54 82.10 Td (would ) Tj ET Q q 0 0 0 rg BT 428.48 82.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 454.19 82.10 Td (have ) Tj ET Q q 0 0 0 rg BT 476.00 82.10 Td (an ) Tj ET Q q 0 0 0 rg BT 488.38 82.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 521.85 82.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 552.00 82.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (earnings.) 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 (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.13 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.60 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 145.51 742.10 Td (established ) Tj ET Q q 0 0 0 rg BT 192.53 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 217.88 742.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 251.56 742.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 295.23 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.60 742.10 Td (each ) Tj ET Q q 0 0 0 rg BT 326.49 742.10 Td (type ) Tj ET Q q 0 0 0 rg BT 346.29 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.21 742.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 389.79 742.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 422.36 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 432.72 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 459.74 742.10 Td (it ) Tj ET Q q 0 0 0 rg BT 467.88 742.10 Td (engages. ) Tj ET Q q 0 0 0 rg BT 504.98 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.11 742.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 89.66 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.33 730.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 172.89 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.67 730.10 Td (each ) Tj ET Q q 0 0 0 rg BT 204.45 730.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 243.56 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.45 730.10 Td (extends ) Tj ET Q q 0 0 0 rg BT 293.46 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 318.68 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.47 730.10 Td (up ) Tj ET Q q 0 0 0 rg BT 341.93 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.16 730.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 372.95 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.74 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.41 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 428.63 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 452.74 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.53 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.21 730.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 520.36 730.10 Td (depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.96 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.15 718.10 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 120.45 718.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 188.51 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.91 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.10 718.10 Td (type ) Tj ET Q q 0 0 0 rg BT 238.28 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.57 718.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 290.09 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 307.60 718.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 344.62 718.10 Td () Tj ET Q q 0 0 0 rg BT 347.40 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 353.26 718.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 380.77 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 390.52 718.10 Td (service ) Tj ET Q q 0 0 0 rg BT 420.80 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.98 718.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 454.16 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 462.79 718.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 505.86 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 517.83 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 529.23 718.10 Td (ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 75.82 706.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 97.46 706.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 123.54 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 133.52 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.05 706.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 184.02 706.10 Td (form ) Tj ET Q q 0 0 0 rg BT 206.78 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.42 706.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 261.44 706.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 287.52 706.10 Td (important ) Tj ET Q q 0 0 0 rg BT 329.72 706.10 Td (forms ) Tj ET Q q 0 0 0 rg BT 356.36 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.01 706.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 408.52 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 424.04 706.10 Td (business ) Tj ET Q q 0 0 0 rg BT 461.25 706.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 490.40 706.10 Td (time ) Tj ET Q q 0 0 0 rg BT 511.48 706.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 547.58 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 96.91 694.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 139.49 694.10 Td (While ) Tj ET Q q 0 0 0 rg BT 166.41 694.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 206.10 694.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 243.04 694.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 284.40 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 295.22 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 302.15 694.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 345.18 694.10 Td (source ) Tj ET Q q 0 0 0 rg BT 373.77 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.59 694.10 Td (repayment, ) Tj ET Q q 0 0 0 rg BT 431.79 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.50 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 487.88 694.10 Td (ordinarily ) Tj ET Q q 0 0 0 rg BT 529.80 694.10 Td (requires ) 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 64.46 682.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 98.36 682.10 Td (source ) Tj ET Q q 0 0 0 rg BT 126.70 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.27 682.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 181.72 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 195.62 682.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 245.06 682.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 268.41 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.43 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 290.11 682.10 Td (based ) Tj ET Q q 0 0 0 rg BT 315.12 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.37 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.83 682.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 378.85 682.10 Td () Tj ET Q q 0 0 0 rg BT 381.63 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 387.76 682.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 415.55 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.58 682.10 Td (generate ) Tj ET Q q 0 0 0 rg BT 461.68 682.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 506.70 682.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 526.71 682.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 553.67 682.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.24 670.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 92.69 670.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 124.03 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.38 670.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 158.40 670.10 Td (management ) Tj ET Q q 0 0 0 rg BT 212.50 670.10 Td (made ) Tj ET Q q 0 0 0 rg BT 237.18 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.41 670.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 289.31 670.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 325.65 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.45 670.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 361.11 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.35 670.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 423.25 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.60 670.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 479.27 670.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 520.05 670.10 Td (loans. ) 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 50.00 658.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 658.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.84 658.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 127.12 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 142.07 658.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 187.01 658.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 220.29 658.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 260.78 658.10 Td (required ) Tj ET Q q 0 0 0 rg BT 297.38 658.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 318.16 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.66 658.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 366.94 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.56 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.06 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 414.57 658.10 Td (may ) Tj ET Q q 0 0 0 rg BT 435.07 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 451.13 658.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 482.17 658.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 503.79 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.41 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 658.10 Td (original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (appraised ) Tj ET Q q 0 0 0 rg BT 91.71 646.10 Td (value ) Tj ET Q q 0 0 0 rg BT 116.77 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.49 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.11 646.10 Td (property) Tj ET Q q 0 0 0 rg BT 177.33 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 183.23 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 194.96 646.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 225.56 646.10 Td (situations, ) Tj ET Q q 0 0 0 rg BT 269.79 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.41 646.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 318.80 646.10 Td (may ) Tj ET Q q 0 0 0 rg BT 339.41 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 361.69 646.10 Td (exceeded ) Tj ET Q q 0 0 0 rg BT 402.28 646.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 424.00 646.10 Td (L) Tj ET Q q 0 0 0 rg BT 429.20 646.10 Td (TV) Tj ET Q q 0 0 0 rg BT 442.34 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 445.74 646.10 Td (either ) Tj ET Q q 0 0 0 rg BT 471.90 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 493.08 646.10 Td (private ) Tj ET Q q 0 0 0 rg BT 524.24 646.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.81 634.10 Td (being ) Tj ET Q q 0 0 0 rg BT 115.53 634.10 Td (required ) Tj ET Q q 0 0 0 rg BT 151.34 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 165.50 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 183.00 634.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 214.38 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.21 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.93 634.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 284.08 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 303.79 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 314.07 634.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 342.67 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.50 634.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 374.33 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.16 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.87 634.10 Td (appraised ) Tj ET Q q 0 0 0 rg BT 440.69 634.10 Td (value ) Tj ET Q q 0 0 0 rg BT 464.84 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.67 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.39 634.10 Td (property ) Tj ET Q q 0 0 0 rg BT 526.76 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 537.59 634.10 Td (where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 92.85 622.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 132.92 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 141.90 622.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 179.75 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 192.06 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 198.81 622.10 Td (housing ) Tj ET Q q 0 0 0 rg BT 232.79 622.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 271.20 622.10 Td (program ) Tj ET Q q 0 0 0 rg BT 307.38 622.10 Td (second ) Tj ET Q q 0 0 0 rg BT 337.46 622.10 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 380.03 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.78 622.10 Td (community) Tj ET Q q 0 0 0 rg BT 435.11 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 441.31 622.10 Td (low/moderate ) Tj ET Q q 0 0 0 rg BT 498.60 622.10 Td (income ) Tj ET Q q 0 0 0 rg BT 530.34 622.10 Td (housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 88.88 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 99.71 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.65 610.10 Td (religious ) Tj ET Q q 0 0 0 rg BT 144.14 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 154.97 610.10 Td (civic ) Tj ET Q q 0 0 0 rg BT 176.90 610.10 Td (or) Tj ET Q q 0 0 0 rg BT 185.05 610.10 Td (ganization.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 592.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 99.45 592.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 118.91 592.10 Td (management ) Tj ET Q q 0 0 0 rg BT 174.46 592.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 212.80 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 221.70 592.10 Td (partnership ) Tj ET Q q 0 0 0 rg BT 271.15 592.10 Td (between ) Tj ET Q q 0 0 0 rg BT 308.92 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 326.71 592.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 378.38 592.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 421.15 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.05 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 457.84 592.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 485.06 592.10 Td (approval, ) Tj ET Q q 0 0 0 rg BT 527.00 592.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 106.20 580.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 131.57 580.10 Td (administration ) Tj ET Q q 0 0 0 rg BT 191.95 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.00 580.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 254.92 580.10 Td (personnel. ) Tj ET Q q 0 0 0 rg BT 298.91 580.10 Td (Disciplined ) Tj ET Q q 0 0 0 rg BT 347.62 580.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 404.39 580.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 441.99 580.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 489.04 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.09 580.10 Td (early ) Tj ET Q q 0 0 0 rg BT 528.68 580.10 Td (problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 98.25 568.10 Td (are ) Tj ET Q q 0 0 0 rg BT 113.16 568.10 Td (important ) Tj ET Q q 0 0 0 rg BT 154.75 568.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 186.34 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.38 568.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 247.85 568.10 Td (our ) Tj ET Q q 0 0 0 rg BT 263.89 568.10 Td (high ) Tj ET Q q 0 0 0 rg BT 284.38 568.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 309.85 568.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 340.33 568.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 380.80 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.95 568.10 Td (low ) Tj ET Q q 0 0 0 rg BT 415.66 568.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 441.69 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.73 568.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 515.42 568.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 541.46 568.10 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 556.10 Td (inception ) Tj ET Q q 0 0 0 rg BT 105.54 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.82 556.10 Td (2002.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 538.10 Td (Acquir) Tj ET Q q 0 0 0 rg BT 96.85 538.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 108.13 538.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.59 538.10 Td (.Loans ) Tj ET Q q 0 0 0 rg BT 168.88 538.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 205.15 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 214.78 538.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 264.40 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 278.46 538.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 311.41 538.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 348.24 538.10 Td (at ) Tj ET Q q 0 0 0 rg BT 357.31 538.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 373.03 538.10 Td (value ) Tj ET Q q 0 0 0 rg BT 396.54 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 416.17 538.10 Td (no ) Tj ET Q q 0 0 0 rg BT 428.01 538.10 Td (carryover ) Tj ET Q q 0 0 0 rg BT 468.17 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.35 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.42 538.10 Td (related ) Tj ET Q q 0 0 0 rg BT 521.47 538.10 Td (allowance ) 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 63.74 526.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 88.58 526.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 116.59 526.10 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 155.87 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 179.06 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 196.13 526.10 Td (have ) Tj ET Q q 0 0 0 rg BT 217.08 526.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 254.69 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.10 526.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 318.26 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 328.12 526.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 352.96 526.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 382.81 526.10 Td (since ) Tj ET Q q 0 0 0 rg BT 405.43 526.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 451.39 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.90 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 481.64 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 508.16 526.10 Td (it ) Tj ET Q q 0 0 0 rg BT 515.79 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 524.54 526.10 Td (probable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.76 514.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 108.69 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 126.23 514.10 Td (all ) Tj ET Q q 0 0 0 rg BT 138.77 514.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 193.51 514.10 Td (required ) Tj ET Q q 0 0 0 rg BT 229.37 514.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 270.24 514.10 Td (will ) Tj ET Q q 0 0 0 rg BT 288.35 514.10 Td (not ) Tj ET Q q 0 0 0 rg BT 303.67 514.10 Td (be ) Tj ET Q q 0 0 0 rg BT 315.65 514.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 354.29 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 369.04 514.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 402.69 514.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 440.22 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 449.98 514.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 466.40 514.10 Td (value ) Tj ET Q q 0 0 0 rg BT 490.60 514.10 Td (without ) Tj ET Q q 0 0 0 rg BT 523.70 514.10 Td (recording ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (an ) Tj ET Q q 0 0 0 rg BT 63.09 502.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 107.28 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.59 502.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.46 502.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 173.50 502.10 Td (Determining ) Tj ET Q q 0 0 0 rg BT 227.70 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.56 502.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 261.09 502.10 Td (value ) Tj ET Q q 0 0 0 rg BT 286.40 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.38 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.25 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 339.01 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 349.34 502.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 397.97 502.10 Td (using ) Tj ET Q q 0 0 0 rg BT 423.29 502.10 Td (market ) Tj ET Q q 0 0 0 rg BT 454.71 502.10 Td (participant ) Tj ET Q q 0 0 0 rg BT 501.12 502.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 554.22 502.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 93.43 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.42 490.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 139.19 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.41 490.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 183.29 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.40 490.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 230.71 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.93 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 278.13 490.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 297.68 490.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 321.67 490.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 354.55 490.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 391.86 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.41 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 412.62 490.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 450.49 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.26 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.25 490.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 499.13 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.35 490.10 Td (discounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (those ) Tj ET Q q 0 0 0 rg BT 73.61 478.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 93.88 478.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 118.60 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 128.32 478.10 Td (an ) Tj ET Q q 0 0 0 rg BT 140.25 478.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 188.29 478.10 Td (market ) Tj ET Q q 0 0 0 rg BT 218.55 478.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 236.04 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.87 478.10 Td (interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 460.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 97.49 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.21 460.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 158.58 460.10 Td (model ) Tj ET Q q 0 0 0 rg BT 186.07 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 200.23 460.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 237.15 460.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 263.26 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.98 460.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 306.57 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.40 460.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 337.67 460.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 362.39 460.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 400.42 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.70 460.10 Td (be ) Tj ET Q q 0 0 0 rg BT 422.64 460.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 461.22 460.10 Td (over ) Tj ET Q q 0 0 0 rg BT 481.49 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.21 460.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 532.02 460.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.63 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.16 448.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 101.07 448.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 135.01 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.09 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 155.73 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.25 448.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 217.51 448.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 246.75 448.10 Td (is ) Tj ET Q q 0 0 0 rg BT 255.72 448.10 Td (accreted ) Tj ET Q q 0 0 0 rg BT 291.33 448.10 Td (into ) Tj ET Q q 0 0 0 rg BT 309.19 448.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 340.93 448.10 Td (income ) Tj ET Q q 0 0 0 rg BT 372.67 448.10 Td (over ) Tj ET Q q 0 0 0 rg BT 392.74 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.26 448.10 Td (life ) Tj ET Q q 0 0 0 rg BT 422.89 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.53 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.05 448.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 473.45 448.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 522.79 448.10 Td (, ) Tj ET Q q 0 0 0 rg BT 527.59 448.10 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.32 436.10 Td (are ) Tj ET Q q 0 0 0 rg BT 87.74 436.10 Td (not ) Tj ET Q q 0 0 0 rg BT 102.73 436.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 133.27 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 143.26 436.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 198.24 436.10 Td (as ) Tj ET Q q 0 0 0 rg BT 208.78 436.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 254.86 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 264.85 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.28 436.10 Td (same ) Tj ET Q q 0 0 0 rg BT 302.04 436.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 334.24 436.10 Td (as ) Tj ET Q q 0 0 0 rg BT 344.78 436.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 387.54 436.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 413.36 436.10 Td (Rather) Tj ET Q q 0 0 0 rg BT 439.61 436.10 Td (, ) Tj ET Q q 0 0 0 rg BT 444.33 436.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 480.96 436.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 504.28 436.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.70 436.10 Td (considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.37 424.10 Td (be ) Tj ET Q q 0 0 0 rg BT 70.41 424.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 106.42 424.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 129.13 424.10 Td (because ) Tj ET Q q 0 0 0 rg BT 162.37 424.10 Td (their ) Tj ET Q q 0 0 0 rg BT 182.29 424.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 213.31 424.10 Td (income ) Tj ET Q q 0 0 0 rg BT 244.34 424.10 Td (relates ) Tj ET Q q 0 0 0 rg BT 272.03 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.40 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.21 424.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 337.32 424.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 358.91 424.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 404.37 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.40 424.10 Td (not ) Tj ET Q q 0 0 0 rg BT 434.78 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 444.15 424.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 490.16 424.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 521.19 424.10 Td (payments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.97 412.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 94.49 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.24 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.88 412.10 Td (loans' ) Tj ET Q q 0 0 0 rg BT 142.21 412.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 195.83 412.10 Td (required ) Tj ET Q q 0 0 0 rg BT 230.56 412.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 270.31 412.10 Td (over ) Tj ET Q q 0 0 0 rg BT 289.50 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.13 412.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 322.32 412.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 345.97 412.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 382.92 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.12 412.10 Td (be ) Tj ET Q q 0 0 0 rg BT 402.98 412.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 440.49 412.10 Td (is ) Tj ET Q q 0 0 0 rg BT 448.58 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.22 412.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 519.16 412.10 Td (dif) Tj ET Q q 0 0 0 rg BT 530.08 412.10 Td (ference. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.54 400.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 86.80 400.10 Td (char) Tj ET Q q 0 0 0 rg BT 103.83 400.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 124.75 400.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 134.40 400.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.83 400.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 183.68 400.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 207.22 400.10 Td (are ) Tj ET Q q 0 0 0 rg BT 221.85 400.10 Td (first ) Tj ET Q q 0 0 0 rg BT 240.39 400.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 272.25 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.46 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.11 400.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 355.05 400.10 Td (dif) Tj ET Q q 0 0 0 rg BT 365.98 400.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 397.82 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.69 400.10 Td (then ) Tj ET Q q 0 0 0 rg BT 434.34 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 444.55 400.10 Td (any ) Tj ET Q q 0 0 0 rg BT 461.41 400.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 504.38 400.10 Td (for ) Tj ET Q q 0 0 0 rg BT 518.46 400.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 538.11 400.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.00 388.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 142.58 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.50 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.86 388.10 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 214.91 388.10 Td (A) Tj ET Q q 0 0 0 rg BT 221.58 388.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.72 388.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 260.28 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 270.20 388.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 307.87 388.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 327.78 388.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 352.14 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.06 388.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 408.64 388.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 440.22 388.10 Td (may ) Tj ET Q q 0 0 0 rg BT 459.58 388.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 493.37 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 510.51 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.86 388.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 544.22 388.10 Td (pool ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 376.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 99.71 376.10 Td (which ) Tj ET Q q 0 0 0 rg BT 126.65 376.10 Td (would ) Tj ET Q q 0 0 0 rg BT 154.15 376.10 Td (require ) Tj ET Q q 0 0 0 rg BT 184.97 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.68 376.10 Td (establishment ) Tj ET Q q 0 0 0 rg BT 257.17 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.00 376.10 Td (an ) Tj ET Q q 0 0 0 rg BT 279.94 376.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 322.97 376.10 Td (for ) Tj ET Q q 0 0 0 rg BT 337.13 376.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 356.85 376.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 383.24 376.10 Td (by ) Tj ET Q q 0 0 0 rg BT 395.74 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 402.68 376.10 Td (char) Tj ET Q q 0 0 0 rg BT 419.71 376.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 431.65 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.92 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.64 376.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 496.92 376.10 Td (for ) Tj ET Q q 0 0 0 rg BT 511.08 376.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 530.80 376.10 Td (losses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 358.10 Td (Nonperforming ) Tj ET Q q 0 0 0 rg BT 135.43 358.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.43 358.10 Td (.Nonperforming ) Tj ET Q q 0 0 0 rg BT 236.70 358.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 264.09 358.10 Td (include ) Tj ET Q q 0 0 0 rg BT 297.58 358.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 345.50 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 370.67 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.16 358.10 Td (property ) Tj ET Q q 0 0 0 rg BT 427.10 358.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 465.58 358.10 Td (through ) Tj ET Q q 0 0 0 rg BT 500.75 358.10 Td (foreclosures ) Tj ET Q q 0 0 0 rg BT 553.67 358.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (repossession. ) Tj ET Q q 0 0 0 rg BT 105.37 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 123.42 346.10 Td (following ) Tj ET Q q 0 0 0 rg BT 164.80 346.10 Td (table ) Tj ET Q q 0 0 0 rg BT 186.74 346.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 222.01 346.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 284.49 346.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 310.32 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.26 346.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 369.75 346.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 391.69 346.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 421.96 346.10 Td (data ) Tj ET Q q 0 0 0 rg BT 441.12 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 455.28 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.00 346.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 493.04 346.10 Td (indicated:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 316.6 m 346.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 316.6 m 350.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 316.6 m 400.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 316.6 m 404.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 316.6 m 454.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 316.6 m 458.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 316.6 m 508.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 316.6 m 512.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 316.6 m 562.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 303.6 m 346.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 316.6 m 400.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 303.6 m 400.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 316.6 m 454.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 303.6 m 454.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 316.6 m 508.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 303.6 m 508.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 316.6 m 562.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 303.6 m 562.5 303.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 200.60000000000002 m 296.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 200.60000000000002 m 346.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 200.60000000000002 m 400.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 200.60000000000002 m 454.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 200.60000000000002 m 508.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 200.60000000000002 m 562.5 200.60000000000002 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 170.60000000000002 m 296.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 170.60000000000002 m 346.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 170.60000000000002 m 400.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 170.60000000000002 m 454.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 170.60000000000002 m 508.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 170.60000000000002 m 562.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 156.60000000000002 m 346.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 154.60000000000002 m 346.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 170.60000000000002 m 400.5 170.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 156.60000000000002 m 400.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 154.60000000000002 m 400.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 156.60000000000002 m 454.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 154.60000000000002 m 454.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 156.60000000000002 m 508.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 154.60000000000002 m 508.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 156.60000000000002 m 562.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 154.60000000000002 m 562.5 154.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.50 320.83 Td (At December) Tj ET Q q 0 0 0 rg BT 445.51 320.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 307.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.00 307.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 307.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 307.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 307.83 Td (2014) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 404.65 294.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 280.27 Td (Nonaccrual loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 265.27 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 250.27 Td (Residential) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.50 250.17 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 250.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 250.27 Td (3,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 250.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 250.27 Td (1,590) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 250.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 250.27 Td (1,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 250.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 250.27 Td (1,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 250.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 250.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 235.27 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.50 235.17 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 235.27 Td (5,950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 235.27 Td (3,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 235.27 Td (446) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 235.27 Td (1,264) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 235.27 Td (3,220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 220.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 220.17 Td (.............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 220.27 Td (4,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.65 220.27 Td (520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 220.27 Td (538) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 220.27 Td (1,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 220.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 205.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.50 205.17 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 205.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 205.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 205.27 Td (341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 205.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 205.27 Td (142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 190.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 190.27 Td (otal non accrual loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 190.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 190.27 Td (14,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 190.27 Td (5,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 190.27 Td (2,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 190.27 Td (3,791) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 190.27 Td (3,362) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 175.27 Td (Property acquired through foreclosure or repossession, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.00 175.17 Td (..) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 175.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 175.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 175.27 Td (272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 175.27 Td (1,248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 175.27 Td (950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 160.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 160.27 Td (otal nonperforming assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.00 160.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 160.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 160.27 Td (14,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 160.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 160.27 Td (5,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 160.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 160.27 Td (3,209) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 160.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 160.27 Td (5,039) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 160.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 160.27 Td (4,312) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 145.27 Td (Nonperforming assets to total assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 145.17 Td (......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 145.27 Td (0.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 145.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 145.27 Td (0.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 145.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 145.27 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 145.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 145.27 Td (0.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 145.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 145.27 Td (0.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 145.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 130.27 Td (Nonperforming loans to total loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 130.17 Td (........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 130.27 Td (0.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 130.27 Td (0.36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 130.27 Td (0.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 130.27 Td (0.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 130.27 Td (0.36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 115.27 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 115.27 Td (otal past due loans to total loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.00 115.17 Td (..........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 115.27 Td (0.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 115.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 115.27 Td (1.67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 115.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 115.27 Td (0.47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 115.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 115.27 Td (0.51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 115.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 115.27 Td (0.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 115.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 93.10 Td (Nonperforming ) Tj ET Q q 0 0 0 rg BT 136.25 93.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 163.62 93.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.87 93.10 Td ($14.1 ) Tj ET Q q 0 0 0 rg BT 221.41 93.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.30 93.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.28 93.10 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.41 93.10 Td (0.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.24 93.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.28 93.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.65 93.10 Td (total ) Tj ET Q q 0 0 0 rg BT 385.46 93.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 412.83 93.10 Td (at ) Tj ET Q q 0 0 0 rg BT 424.09 93.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 484.21 93.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 510.75 93.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.22 93.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 81.10 Td ($5.5million ) Tj ET Q q 0 0 0 rg BT 101.39 81.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.33 81.10 Td (0.31% ) Tj ET Q q 0 0 0 rg BT 146.66 81.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.49 81.10 Td (total ) Tj ET Q q 0 0 0 rg BT 177.76 81.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 203.59 81.10 Td (at ) Tj ET Q q 0 0 0 rg BT 213.31 81.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 271.89 81.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 63.10 Td (Nonperforming ) Tj ET Q q 0 0 0 rg BT 135.62 63.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 160.14 63.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.76 63.10 Td ($14.1 ) Tj ET Q q 0 0 0 rg BT 216.68 63.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.57 63.10 Td (at ) Tj ET Q q 0 0 0 rg BT 258.70 63.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 318.19 63.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 344.10 63.10 Td (an ) Tj ET Q q 0 0 0 rg BT 356.96 63.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 393.12 63.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.86 63.10 Td ($8.6million ) Tj ET Q q 0 0 0 rg BT 457.17 63.10 Td (from ) Tj ET Q q 0 0 0 rg BT 480.02 63.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.51 63.10 Td (2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 51.10 Td (There ) Tj ET Q q 0 0 0 rg BT 75.82 51.10 Td (was ) Tj ET Q q 0 0 0 rg BT 93.87 51.10 Td (no ) Tj ET Q q 0 0 0 rg BT 106.37 51.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 150.51 51.10 Td (real ) Tj ET Q q 0 0 0 rg BT 168.00 51.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 193.26 51.10 Td (on ) Tj ET Q q 0 0 0 rg BT 205.76 51.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.48 51.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 253.51 51.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 276.56 51.10 Td (at ) Tj ET Q q 0 0 0 rg BT 286.27 51.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 344.86 51.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 367.36 51.10 Td (or ) Tj ET Q q 0 0 0 rg BT 378.19 51.10 Td (2017.) 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 (46) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 120.60 742.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.06 742.10 Td (.Loans ) Tj ET Q q 0 0 0 rg BT 182.88 742.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 214.02 742.10 Td (than ) Tj ET Q q 0 0 0 rg BT 234.62 742.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 268.84 742.10 Td (past ) Tj ET Q q 0 0 0 rg BT 288.33 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 306.15 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 321.75 742.10 Td (put ) Tj ET Q q 0 0 0 rg BT 337.91 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 351.29 742.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 398.54 742.10 Td (status ) Tj ET Q q 0 0 0 rg BT 424.71 742.10 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 470.85 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 501.44 742.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 539.25 742.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.95 730.10 Td (loans\). ) Tj ET Q q 0 0 0 rg BT 117.30 730.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 144.15 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 158.76 730.10 Td (also ) Tj ET Q q 0 0 0 rg BT 177.28 730.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 205.79 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 218.20 730.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 264.47 730.10 Td (status ) Tj ET Q q 0 0 0 rg BT 289.66 730.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 316.23 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 326.41 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.04 730.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 374.01 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.75 730.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 440.74 730.10 Td (full ) Tj ET Q q 0 0 0 rg BT 457.04 730.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 498.88 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.62 730.10 Td (principal ) 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 (interest ) Tj ET Q q 0 0 0 rg BT 81.65 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 90.54 718.10 Td (doubtful. ) Tj ET Q q 0 0 0 rg BT 129.15 718.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 161.35 718.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 205.78 718.10 Td (accrued, ) Tj ET Q q 0 0 0 rg BT 241.59 718.10 Td (but ) Tj ET Q q 0 0 0 rg BT 256.58 718.10 Td (uncollected, ) Tj ET Q q 0 0 0 rg BT 307.39 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 316.28 718.10 Td (reversed ) Tj ET Q q 0 0 0 rg BT 352.36 718.10 Td (against ) Tj ET Q q 0 0 0 rg BT 382.91 718.10 Td (current ) Tj ET Q q 0 0 0 rg BT 413.44 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 441.21 718.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 475.36 718.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 523.68 718.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.90 706.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 111.45 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.13 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.26 706.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 151.72 706.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 174.40 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.42 706.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 223.65 706.10 Td (recapture ) Tj ET Q q 0 0 0 rg BT 263.53 706.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 286.22 706.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 330.56 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 343.25 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.38 706.10 Td (number ) Tj ET Q q 0 0 0 rg BT 383.61 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.63 706.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 424.53 706.10 Td (including ) Tj ET Q q 0 0 0 rg BT 464.99 706.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 511.56 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.58 706.10 Td (collection ) 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 67.15 694.10 Td (if ) Tj ET Q q 0 0 0 rg BT 75.96 694.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 124.77 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 134.14 694.10 Td (identified. ) Tj ET Q q 0 0 0 rg BT 177.07 694.10 Td (A) Tj ET Q q 0 0 0 rg BT 183.74 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 186.45 694.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 233.02 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 252.94 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 262.32 694.10 Td (restored ) Tj ET Q q 0 0 0 rg BT 297.23 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 307.71 694.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 339.28 694.10 Td (status ) Tj ET Q q 0 0 0 rg BT 364.77 694.10 Td (when ) Tj ET Q q 0 0 0 rg BT 389.13 694.10 Td (it ) Tj ET Q q 0 0 0 rg BT 397.40 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 406.77 694.10 Td (no ) Tj ET Q q 0 0 0 rg BT 419.48 694.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 447.73 694.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 492.65 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.80 694.10 Td (collectability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.22 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 93.54 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.87 682.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 149.30 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 158.85 682.10 Td (no ) Tj ET Q q 0 0 0 rg BT 171.74 682.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 200.18 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.84 682.10 Td (doubt. ) Tj ET Q q 0 0 0 rg BT 238.37 682.10 Td (At ) Tj ET Q q 0 0 0 rg BT 251.26 682.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 310.23 682.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 333.12 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.45 682.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 375.84 682.10 Td (there ) Tj ET Q q 0 0 0 rg BT 398.71 682.10 Td (were ) Tj ET Q q 0 0 0 rg BT 421.03 682.10 Td (no ) Tj ET Q q 0 0 0 rg BT 433.92 682.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 491.24 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.91 682.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 522.01 682.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.72 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.00 670.10 Td (any ) Tj ET Q q 0 0 0 rg BT 101.94 670.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 141.09 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 153.59 670.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 199.95 670.10 Td (status.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 652.10 Td (Past ) Tj ET Q q 0 0 0 rg BT 89.56 652.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 108.00 652.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.46 652.10 Td (.) Tj ET Q q 0 0 0 rg BT 142.28 652.10 Td (When ) Tj ET Q q 0 0 0 rg BT 167.93 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.16 652.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 193.15 652.10 Td (is ) Tj ET Q q 0 0 0 rg BT 201.61 652.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 213.39 652.10 Td (days ) Tj ET Q q 0 0 0 rg BT 233.50 652.10 Td (past ) Tj ET Q q 0 0 0 rg BT 251.39 652.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 270.11 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.11 652.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 324.78 652.10 Td (sends ) Tj ET Q q 0 0 0 rg BT 348.78 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.78 652.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 401.22 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 407.44 652.10 Td (late ) Tj ET Q q 0 0 0 rg BT 423.65 652.10 Td (notice. ) Tj ET Q q 0 0 0 rg BT 452.24 652.10 Td (The ) Tj ET Q q 0 0 0 rg BT 469.57 652.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 510.24 652.10 Td (also ) Tj ET Q q 0 0 0 rg BT 528.13 652.10 Td (attempts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.21 640.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 91.52 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.17 640.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 145.25 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 157.68 640.10 Td (phone ) Tj ET Q q 0 0 0 rg BT 184.55 640.10 Td (if ) Tj ET Q q 0 0 0 rg BT 193.10 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.75 640.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 259.05 640.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.15 640.10 Td (not ) Tj ET Q q 0 0 0 rg BT 283.37 640.10 Td (corrected ) Tj ET Q q 0 0 0 rg BT 322.99 640.10 Td (promptly ) Tj ET Q q 0 0 0 rg BT 362.09 640.10 Td (after ) Tj ET Q q 0 0 0 rg BT 382.84 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.49 640.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 424.35 640.10 Td (has ) Tj ET Q q 0 0 0 rg BT 440.12 640.10 Td (been ) Tj ET Q q 0 0 0 rg BT 461.43 640.10 Td (sent. ) Tj ET Q q 0 0 0 rg BT 482.29 640.10 Td (When ) Tj ET Q q 0 0 0 rg BT 508.60 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.25 640.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 542.90 640.10 Td (is ) Tj ET Q q 0 0 0 rg BT 552.01 640.10 Td (30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (days ) Tj ET Q q 0 0 0 rg BT 71.11 628.10 Td (past ) Tj ET Q q 0 0 0 rg BT 90.00 628.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 109.72 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.71 628.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 166.38 628.10 Td (mails ) Tj ET Q q 0 0 0 rg BT 190.82 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.82 628.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 245.25 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 252.47 628.10 Td (letter ) Tj ET Q q 0 0 0 rg BT 275.79 628.10 Td (reminding ) Tj ET Q q 0 0 0 rg BT 319.67 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.67 628.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 374.10 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.21 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.21 628.10 Td (delinquency) Tj ET Q q 0 0 0 rg BT 448.43 628.10 Td (, ) Tj ET Q q 0 0 0 rg BT 453.71 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.93 628.10 Td (attempts ) Tj ET Q q 0 0 0 rg BT 507.59 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.15 628.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 549.80 628.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 89.62 616.10 Td (personally ) Tj ET Q q 0 0 0 rg BT 134.24 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.98 616.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 187.93 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.11 616.10 Td (reason ) Tj ET Q q 0 0 0 rg BT 232.17 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 246.80 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.98 616.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 313.82 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.22 616.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 360.28 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.47 616.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 415.08 616.10 Td (understands ) Tj ET Q q 0 0 0 rg BT 465.82 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.00 616.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 506.18 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.48 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.66 616.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 555.34 616.10 Td (If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 88.22 604.10 Td (, ) Tj ET Q q 0 0 0 rg BT 92.96 604.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 125.19 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 137.43 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.89 604.10 Td (90th ) Tj ET Q q 0 0 0 rg BT 171.91 604.10 Td (day ) Tj ET Q q 0 0 0 rg BT 188.59 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.16 604.10 Td (delinquency) Tj ET Q q 0 0 0 rg BT 247.38 604.10 Td (, ) Tj ET Q q 0 0 0 rg BT 252.12 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.58 604.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 307.71 604.10 Td (may ) Tj ET Q q 0 0 0 rg BT 327.16 604.10 Td (take ) Tj ET Q q 0 0 0 rg BT 346.06 604.10 Td (other ) Tj ET Q q 0 0 0 rg BT 368.84 604.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 416.62 604.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 438.29 604.10 Td (action. ) Tj ET Q q 0 0 0 rg BT 466.97 604.10 Td (A) Tj ET Q q 0 0 0 rg BT 473.64 604.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.88 604.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 515.34 604.10 Td (report ) Tj ET Q q 0 0 0 rg BT 541.45 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 552.02 604.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.20 592.10 Td (30 ) Tj ET Q q 0 0 0 rg BT 85.29 592.10 Td (days ) Tj ET Q q 0 0 0 rg BT 105.71 592.10 Td (or ) Tj ET Q q 0 0 0 rg BT 116.13 592.10 Td (more ) Tj ET Q q 0 0 0 rg BT 138.76 592.10 Td (past ) Tj ET Q q 0 0 0 rg BT 156.96 592.10 Td (due ) Tj ET Q q 0 0 0 rg BT 173.49 592.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.25 592.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 219.89 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.76 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.06 592.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 270.59 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.01 592.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 320.31 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.73 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.03 592.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 386.01 592.10 Td (periodically) Tj ET Q q 0 0 0 rg BT 433.12 592.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.71 592.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 464.24 592.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 494.08 592.10 Td (than ) Tj ET Q q 0 0 0 rg BT 513.39 592.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 525.48 592.10 Td (days ) Tj ET Q q 0 0 0 rg BT 545.90 592.10 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (due ) Tj ET Q q 0 0 0 rg BT 67.52 580.10 Td (are ) Tj ET Q q 0 0 0 rg BT 82.82 580.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 123.10 580.10 Td (put ) Tj ET Q q 0 0 0 rg BT 138.97 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 152.05 580.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 199.00 580.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 226.68 580.10 Td (A) Tj ET Q q 0 0 0 rg BT 233.35 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 236.44 580.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 283.38 580.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 303.68 580.10 Td (is ) Tj ET Q q 0 0 0 rg BT 313.44 580.10 Td (restored ) Tj ET Q q 0 0 0 rg BT 348.73 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.59 580.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 391.54 580.10 Td (status ) Tj ET Q q 0 0 0 rg BT 417.40 580.10 Td (when ) Tj ET Q q 0 0 0 rg BT 442.15 580.10 Td (it ) Tj ET Q q 0 0 0 rg BT 450.79 580.10 Td (is ) Tj ET Q q 0 0 0 rg BT 460.55 580.10 Td (no ) Tj ET Q q 0 0 0 rg BT 473.63 580.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 502.26 580.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 547.56 580.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 104.24 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.61 568.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 146.09 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.57 568.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 200.15 568.10 Td (is ) Tj ET Q q 0 0 0 rg BT 208.86 568.10 Td (no ) Tj ET Q q 0 0 0 rg BT 220.90 568.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 248.49 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.31 568.10 Td (doubt. ) Tj ET Q q 0 0 0 rg BT 285.18 568.10 Td (A) Tj ET Q q 0 0 0 rg BT 291.85 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 293.89 568.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 313.15 568.10 Td (is ) Tj ET Q q 0 0 0 rg BT 321.86 568.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 367.22 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.03 568.10 Td (be ) Tj ET Q q 0 0 0 rg BT 388.51 568.10 Td (no ) Tj ET Q q 0 0 0 rg BT 400.56 568.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 428.14 568.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 472.40 568.10 Td (when ) Tj ET Q q 0 0 0 rg BT 496.10 568.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 523.69 568.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.45 556.10 Td (made ) Tj ET Q q 0 0 0 rg BT 88.35 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.26 556.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.94 556.10 Td (period ) Tj ET Q q 0 0 0 rg BT 136.73 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.31 556.10 Td (at ) Tj ET Q q 0 0 0 rg BT 156.77 556.10 Td (least ) Tj ET Q q 0 0 0 rg BT 177.34 556.10 Td (six ) Tj ET Q q 0 0 0 rg BT 191.26 556.10 Td (months ) Tj ET Q q 0 0 0 rg BT 222.95 556.10 Td (\(one ) Tj ET Q q 0 0 0 rg BT 242.96 556.10 Td (year ) Tj ET Q q 0 0 0 rg BT 262.42 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.32 556.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 299.67 556.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 340.81 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 354.71 556.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 393.05 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 403.63 556.10 Td (semi-annual ) Tj ET Q q 0 0 0 rg BT 454.74 556.10 Td (payments\) ) Tj ET Q q 0 0 0 rg BT 498.64 556.10 Td (by ) Tj ET Q q 0 0 0 rg BT 510.89 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.35 556.10 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 544.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 107.74 544.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.02 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.73 544.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 189.65 544.10 Td (terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 526.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 526.10 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 526.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 186.64 526.10 Td (past ) Tj ET Q q 0 0 0 rg BT 205.24 526.10 Td (due ) Tj ET Q q 0 0 0 rg BT 222.18 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 245.79 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 256.62 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.45 526.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 326.04 526.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 348.54 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.47 526.10 Td (2017:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 480.6 m 370.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 480.6 m 434.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 480.6 m 498.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 480.6 m 562.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 408.6 m 370.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 394.6 m 370.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 392.6 m 370.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 408.6 m 434.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 394.6 m 434.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 392.6 m 434.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 408.6 m 498.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 394.6 m 498.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 392.6 m 498.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 408.6 m 562.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 394.6 m 562.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 392.6 m 562.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 319.6 m 370.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 305.6 m 370.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 303.6 m 370.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 319.6 m 434.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 305.6 m 434.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 303.6 m 434.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 319.6 m 498.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 305.6 m 498.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 303.6 m 498.5 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 319.6 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 502.5 305.6 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 502.5 303.6 m 562.5 303.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.55 492.83 Td (3059 Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 324.75 484.83 Td (Past Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.55 492.83 Td (6089 Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 388.75 484.83 Td (Past Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 449.85 500.83 Td (90 Days or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.25 492.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 455.88 492.83 Td (eater) Tj ET Q q 0 0 0 rg BT 473.05 492.83 Td ( Past) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.10 484.83 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.90 492.83 Td (T) Tj ET Q q 0 0 0 rg BT 519.50 492.83 Td (otal Past) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 525.10 484.83 Td (Due) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 411.65 471.83 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 458.28 Td (As of December) Tj ET Q q 0 0 0 rg BT 120.66 458.28 Td (31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 443.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 443.17 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 443.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 443.27 Td (994) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 443.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 443.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 443.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 443.27 Td (2,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 443.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 443.27 Td (3,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 428.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.00 428.17 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 428.27 Td (668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 428.27 Td (133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 428.27 Td (4,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 428.27 Td (5,187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 413.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 413.17 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 413.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 413.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 413.27 Td (4,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 413.27 Td (4,077) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 398.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 398.27 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.00 398.17 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 398.27 Td (1,662) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 398.27 Td (134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 398.27 Td (10,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 398.27 Td (12,461) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 384.28 Td (As of December) Tj ET Q q 0 0 0 rg BT 120.57 384.28 Td (31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 369.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 369.17 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 369.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 369.27 Td (1,248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 369.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 369.27 Td (2,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 369.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 369.27 Td (1,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 369.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 369.27 Td (4,653) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 354.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.00 354.17 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 354.27 Td (10,028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 354.27 Td (4,1) Tj ET Q q 0 0 0 rg BT 420.65 354.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 354.27 Td (2,074) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 354.27 Td (16,218) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 339.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 339.17 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 339.27 Td (4,318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 339.27 Td (162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 339.27 Td (481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 339.27 Td (4,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 324.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.00 324.17 Td (..................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.65 324.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 324.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 324.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 324.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 309.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 309.27 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.00 309.17 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 309.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 309.27 Td (15,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 309.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 309.27 Td (6,522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 309.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 309.27 Td (3,718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 309.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 309.27 Td (25,837) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 287.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 287.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.63 287.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 149.83 287.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 191.46 287.10 Td ($13.4million ) Tj ET Q q 0 0 0 rg BT 247.57 287.10 Td (from ) Tj ET Q q 0 0 0 rg BT 269.23 287.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 327.54 287.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 349.76 287.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.76 287.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 418.06 287.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 442.62 287.10 Td (The ) Tj ET Q q 0 0 0 rg BT 460.39 287.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 497.02 287.10 Td (in ) Tj ET Q q 0 0 0 rg BT 507.02 287.10 Td (delinquencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.70 275.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 99.95 275.10 Td (related ) Tj ET Q q 0 0 0 rg BT 130.19 275.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.00 275.10 Td (a ) Tj ET Q q 0 0 0 rg BT 148.47 275.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 193.72 275.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 213.97 275.10 Td (payof) Tj ET Q q 0 0 0 rg BT 236.56 275.10 Td (f ) Tj ET Q q 0 0 0 rg BT 242.92 275.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 276.51 275.10 Td ($4.1 ) Tj ET Q q 0 0 0 rg BT 297.05 275.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 331.47 275.10 Td (which ) Tj ET Q q 0 0 0 rg BT 358.95 275.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 396.96 275.10 Td (in ) Tj ET Q q 0 0 0 rg BT 407.77 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.02 275.10 Td (second ) Tj ET Q q 0 0 0 rg BT 453.82 275.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 485.17 275.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.54 275.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 519.57 275.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.05 275.10 Td (a ) Tj ET Q q 0 0 0 rg BT 544.52 275.10 Td ($6.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.10 Td (million ) Tj ET Q q 0 0 0 rg BT 81.39 263.10 Td (char) Tj ET Q q 0 0 0 rg BT 98.42 263.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 119.34 263.10 Td (f ) Tj ET Q q 0 0 0 rg BT 125.17 263.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 171.53 263.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.81 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.52 263.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 223.46 263.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 254.28 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.11 263.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 287.61 263.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 335.64 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.92 263.10 Td (one ) Tj ET Q q 0 0 0 rg BT 362.86 263.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 395.36 263.10 Td (relationship. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 245.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.01 245.10 Td (r) Tj ET Q q 0 0 0 rg BT 78.53 245.10 Td (oubled ) Tj ET Q q 0 0 0 rg BT 107.91 245.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 129.51 245.10 Td (Restructurings ) Tj ET Q q 0 0 0 rg BT 190.56 245.10 Td (\(TDR\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.11 245.10 Td (.Loans ) Tj ET Q q 0 0 0 rg BT 252.71 245.10 Td (are ) Tj ET Q q 0 0 0 rg BT 267.08 245.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 312.56 245.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 362.48 245.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.42 245.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.02 245.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 414.51 245.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 433.89 245.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 487.15 245.10 Td (when ) Tj ET Q q 0 0 0 rg BT 510.97 245.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.35 245.10 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.72 233.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 112.42 233.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 149.46 233.10 Td (dif) Tj ET Q q 0 0 0 rg BT 160.38 233.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 194.65 233.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.14 233.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.41 233.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 248.58 233.10 Td (has ) Tj ET Q q 0 0 0 rg BT 263.96 233.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 296.00 233.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 345.83 233.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.66 233.10 Td (a ) Tj ET Q q 0 0 0 rg BT 362.15 233.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 400.86 233.10 Td (due ) Tj ET Q q 0 0 0 rg BT 417.35 233.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.18 233.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.45 233.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 478.48 233.10 Td () Tj ET Q q 0 0 0 rg BT 481.25 233.10 Td (s ) Tj ET Q q 0 0 0 rg BT 487.20 233.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.24 233.10 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 221.10 Td (that ) Tj ET Q q 0 0 0 rg BT 68.35 221.10 Td (we ) Tj ET Q q 0 0 0 rg BT 83.37 221.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 125.60 221.10 Td (would ) Tj ET Q q 0 0 0 rg BT 153.96 221.10 Td (not ) Tj ET Q q 0 0 0 rg BT 170.10 221.10 Td (have ) Tj ET Q q 0 0 0 rg BT 192.33 221.10 Td (considered. ) Tj ET Q q 0 0 0 rg BT 241.26 221.10 Td (These ) Tj ET Q q 0 0 0 rg BT 268.49 221.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 319.62 221.10 Td (may ) Tj ET Q q 0 0 0 rg BT 340.19 221.10 Td (include ) Tj ET Q q 0 0 0 rg BT 372.98 221.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 431.33 221.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.02 221.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.59 221.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 484.16 221.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.85 221.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.42 221.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 532.00 221.10 Td (such ) Tj ET Q q 0 0 0 rg BT 553.69 221.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 209.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 89.52 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.60 209.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.57 209.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 138.64 209.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 169.83 209.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 186.57 209.10 Td (other ) Tj ET Q q 0 0 0 rg BT 208.87 209.10 Td (than ) Tj ET Q q 0 0 0 rg BT 227.83 209.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 257.91 209.10 Td (market ) Tj ET Q q 0 0 0 rg BT 287.43 209.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 304.16 209.10 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 356.19 209.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 396.27 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.35 209.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 441.98 209.10 Td (dates, ) Tj ET Q q 0 0 0 rg BT 466.78 209.10 Td (or ) Tj ET Q q 0 0 0 rg BT 476.86 209.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 516.38 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.46 209.10 Td (principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 83.10 197.10 Td (or ) Tj ET Q q 0 0 0 rg BT 94.00 197.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 127.65 197.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 161.97 197.10 Td (The ) Tj ET Q q 0 0 0 rg BT 180.08 197.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 215.98 197.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.32 197.10 Td (restructure ) Tj ET Q q 0 0 0 rg BT 271.65 197.10 Td (a ) Tj ET Q q 0 0 0 rg BT 278.65 197.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 300.94 197.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 326.82 197.10 Td (than ) Tj ET Q q 0 0 0 rg BT 346.61 197.10 Td (aggressively ) Tj ET Q q 0 0 0 rg BT 399.16 197.10 Td (enforcing ) Tj ET Q q 0 0 0 rg BT 440.04 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.83 197.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 496.83 197.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.72 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.51 197.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 544.79 197.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 80.26 185.10 Td (us ) Tj ET Q q 0 0 0 rg BT 91.66 185.10 Td (by ) Tj ET Q q 0 0 0 rg BT 104.16 185.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 147.75 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.47 185.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 197.73 185.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 244.12 185.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.95 185.10 Td (collection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 167.10 Td (Restructured ) Tj ET Q q 0 0 0 rg BT 123.45 167.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.92 167.10 Td (are ) Tj ET Q q 0 0 0 rg BT 161.48 167.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 201.61 167.10 Td (as ) Tj ET Q q 0 0 0 rg BT 212.29 167.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 249.08 167.10 Td (or ) Tj ET Q q 0 0 0 rg BT 259.77 167.10 Td (non-accruing ) Tj ET Q q 0 0 0 rg BT 314.88 167.10 Td (based ) Tj ET Q q 0 0 0 rg BT 340.00 167.10 Td (on ) Tj ET Q q 0 0 0 rg BT 352.36 167.10 Td (management) Tj ET Q q 0 0 0 rg BT 406.23 167.10 Td (s ) Tj ET Q q 0 0 0 rg BT 412.48 167.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 459.28 167.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.97 167.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.54 167.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 539.10 167.10 Td (of ) 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 (loan. ) Tj ET Q q 0 0 0 rg BT 73.03 155.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 100.79 155.10 Td (which ) Tj ET Q q 0 0 0 rg BT 128.54 155.10 Td (are ) Tj ET Q q 0 0 0 rg BT 144.07 155.10 Td (already ) Tj ET Q q 0 0 0 rg BT 176.81 155.10 Td (on ) Tj ET Q q 0 0 0 rg BT 190.13 155.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 237.31 155.10 Td (status ) Tj ET Q q 0 0 0 rg BT 263.40 155.10 Td (at ) Tj ET Q q 0 0 0 rg BT 273.93 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.47 155.10 Td (time ) Tj ET Q q 0 0 0 rg BT 310.56 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.21 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.74 155.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 392.15 155.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 432.67 155.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 463.75 155.10 Td (on ) Tj ET Q q 0 0 0 rg BT 477.07 155.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 524.25 155.10 Td (status ) Tj ET Q q 0 0 0 rg BT 550.34 155.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 110.16 143.10 Td (sixmonths ) Tj ET Q q 0 0 0 rg BT 156.18 143.10 Td (before ) Tj ET Q q 0 0 0 rg BT 184.12 143.10 Td (management ) Tj ET Q q 0 0 0 rg BT 237.61 143.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 277.78 143.10 Td (such ) Tj ET Q q 0 0 0 rg BT 298.52 143.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 322.03 143.10 Td (for ) Tj ET Q q 0 0 0 rg BT 336.09 143.10 Td (return ) Tj ET Q q 0 0 0 rg BT 362.37 143.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.55 143.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 409.38 143.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 436.53 143.10 Td (Accruing ) Tj ET Q q 0 0 0 rg BT 476.13 143.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 526.29 143.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.80 143.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 131.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 79.31 131.10 Td (into ) Tj ET Q q 0 0 0 rg BT 98.08 131.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 145.15 131.10 Td (status ) Tj ET Q q 0 0 0 rg BT 171.14 131.10 Td (if ) Tj ET Q q 0 0 0 rg BT 180.46 131.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.12 131.10 Td (when ) Tj ET Q q 0 0 0 rg BT 222.99 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.42 131.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 278.28 131.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 298.71 131.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.70 131.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 342.91 131.10 Td (with ) Tj ET Q q 0 0 0 rg BT 363.90 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.33 131.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 430.30 131.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 455.73 131.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.38 131.10 Td (management ) Tj ET Q q 0 0 0 rg BT 527.68 131.10 Td (deems ) Tj ET Q q 0 0 0 rg BT 556.44 131.10 Td (it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.10 Td (unlikely ) Tj ET Q q 0 0 0 rg BT 85.40 119.10 Td (that ) Tj ET Q q 0 0 0 rg BT 103.02 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.86 119.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 157.13 119.10 Td (will ) Tj ET Q q 0 0 0 rg BT 175.31 119.10 Td (return ) Tj ET Q q 0 0 0 rg BT 201.81 119.10 Td (to ) Tj ET Q q 0 0 0 rg BT 212.21 119.10 Td (a ) Tj ET Q q 0 0 0 rg BT 219.27 119.10 Td (status ) Tj ET Q q 0 0 0 rg BT 244.68 119.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.63 119.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 304.34 119.10 Td (in ) Tj ET Q q 0 0 0 rg BT 314.74 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.58 119.10 Td (near ) Tj ET Q q 0 0 0 rg BT 349.42 119.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 372.28 119.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.91 119.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 443.62 119.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.62 119.10 Td ( ) Tj ET Q q 0 0 0 rg BT 466.24 119.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.30 119.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 119.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.10 Td (there ) Tj ET Q q 0 0 0 rg BT 72.49 107.10 Td (were ) Tj ET Q q 0 0 0 rg BT 94.41 107.10 Td (six ) Tj ET Q q 0 0 0 rg BT 108.58 107.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 158.28 107.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 181.88 107.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 222.71 107.10 Td (as ) Tj ET Q q 0 0 0 rg BT 233.35 107.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 259.75 107.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.80 107.10 Td ($3.6 ) Tj ET Q q 0 0 0 rg BT 312.80 107.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.69 107.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.19 107.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.13 107.10 Td (four ) Tj ET Q q 0 0 0 rg BT 380.29 107.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 429.98 107.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 453.59 107.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 494.41 107.10 Td (as ) Tj ET Q q 0 0 0 rg BT 505.06 107.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 531.45 107.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.10 Td ($0.6 ) Tj ET Q q 0 0 0 rg BT 70.00 95.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 95.10 Td (, ) Tj ET Q q 0 0 0 rg BT 103.89 95.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 151.55 95.10 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 (47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 127.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 149.37 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 184.64 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 234.35 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 246.85 742.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 282.67 742.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 302.39 742.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 352.64 742.10 Td (loans:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 712.6 m 346.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 712.6 m 350.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 712.6 m 400.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 712.6 m 404.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 712.6 m 454.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 712.6 m 458.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 712.6 m 508.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 712.6 m 512.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 712.6 m 562.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 699.6 m 346.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 699.6 m 400.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 699.6 m 454.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 699.6 m 508.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 699.6 m 562.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 626.6 m 346.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 626.6 m 400.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 626.6 m 454.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 626.6 m 508.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 611.6 m 346.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 626.6 m 400.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 611.6 m 400.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 626.6 m 454.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 611.6 m 454.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 626.6 m 508.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 611.6 m 508.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 611.6 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 296.5 551.6 m 346.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 551.6 m 400.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 551.6 m 454.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 551.6 m 508.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 551.6 m 562.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 551.6 m 346.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 536.6 m 346.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 551.6 m 400.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 536.6 m 400.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 551.6 m 454.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 536.6 m 454.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 551.6 m 508.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 536.6 m 508.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 551.6 m 562.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 536.6 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 296.5 522.6 m 346.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 520.6 m 346.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 536.6 m 400.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 522.6 m 400.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 520.6 m 400.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 536.6 m 454.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 522.6 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 404.5 520.6 m 454.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 536.6 m 508.5 536.6 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 458.5 520.6 m 508.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 536.6 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 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 512.5 520.6 m 562.5 520.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.50 716.83 Td (At December) Tj ET Q q 0 0 0 rg BT 445.51 716.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 703.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.00 703.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 703.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 703.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 703.83 Td (2014) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 404.65 690.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 676.27 Td (Accruing troubled debt restructured loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 661.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 661.17 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 661.27 Td (2,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 661.27 Td (2,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 661.27 Td (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 661.27 Td (944) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 661.27 Td (2,057) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 646.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 646.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.65 646.27 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.65 646.27 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 646.27 Td (402) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 646.27 Td (4,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 646.27 Td (216) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 631.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 631.17 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 631.27 Td (923) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 631.27 Td (1,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 631.27 Td (893) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 631.27 Td (779) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 631.27 Td (1,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 616.27 Td (Accruing troubled debt restructured loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.00 616.17 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 616.27 Td (3,682) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 616.27 Td (4,354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 616.27 Td (1,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 616.27 Td (6,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 616.27 Td (3,61) Tj ET Q q 0 0 0 rg BT 553.65 616.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 601.27 Td (Nonaccrual troubled debt restructured loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 586.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 586.17 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 586.27 Td (3,008) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.65 586.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 586.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 586.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 586.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 571.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 571.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 571.27 Td (334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 571.27 Td (334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 571.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 571.27 Td (970) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 571.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 556.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 556.17 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 556.27 Td (217) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 556.27 Td (219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 556.27 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 556.27 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 556.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 541.27 Td (Nonaccrual troubled debt restructured loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.00 541.17 Td (..................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 541.27 Td (3,559) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 541.27 Td (553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 541.27 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 541.27 Td (1,060) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 541.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 526.27 Td (T) Tj ET Q q 0 0 0 rg BT 88.41 526.27 Td (otal troubled debt restructured loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 526.17 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 526.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 526.27 Td (7,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 526.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 526.27 Td (4,907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 526.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 526.27 Td (1,430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 526.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 526.27 Td (7,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 526.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 526.27 Td (3,61) Tj ET Q q 0 0 0 rg BT 553.65 526.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 504.10 Td (As ) Tj ET Q q 0 0 0 rg BT 84.07 504.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.37 504.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 154.41 504.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 177.37 504.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.77 504.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 220.23 504.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 244.30 504.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 285.03 504.10 Td (as ) Tj ET Q q 0 0 0 rg BT 296.32 504.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 332.61 504.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 352.79 504.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 410.73 504.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 440.91 504.10 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 461.37 504.10 Td (million ) Tj ET Q q 0 0 0 rg BT 493.22 504.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.62 504.10 Td ($4.9million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 492.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 492.10 Td (. ) Tj ET Q q 0 0 0 rg BT 103.01 492.10 Td (The ) Tj ET Q q 0 0 0 rg BT 121.62 492.10 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 142.19 492.10 Td (million ) Tj ET Q q 0 0 0 rg BT 174.15 492.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 207.75 492.10 Td (at ) Tj ET Q q 0 0 0 rg BT 218.03 492.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 277.19 492.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 300.25 492.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 340.54 492.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.94 492.10 Td (14 ) Tj ET Q q 0 0 0 rg BT 365.00 492.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 391.46 492.10 Td (The ) Tj ET Q q 0 0 0 rg BT 410.07 492.10 Td ($4.9million ) Tj ET Q q 0 0 0 rg BT 462.03 492.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 495.63 492.10 Td (at ) Tj ET Q q 0 0 0 rg BT 505.92 492.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 72.50 480.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 112.22 480.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.05 480.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 135.55 480.10 Td (loans.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 462.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 109.59 462.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 119.22 462.10 Td (oblem ) Tj ET Q q 0 0 0 rg BT 146.59 462.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.04 462.10 Td (.) Tj ET Q q 0 0 0 rg BT 180.86 462.10 Td (W) Tj ET Q q 0 0 0 rg BT 189.50 462.10 Td (e ) Tj ET Q q 0 0 0 rg BT 196.87 462.10 Td (classify ) Tj ET Q q 0 0 0 rg BT 230.34 462.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 260.47 462.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 284.51 462.10 Td (as ) Tj ET Q q 0 0 0 rg BT 295.77 462.10 Td (special ) Tj ET Q q 0 0 0 rg BT 330.90 462.10 Td (mention, ) Tj ET Q q 0 0 0 rg BT 373.54 462.10 Td (substandard, ) Tj ET Q q 0 0 0 rg BT 435.62 462.10 Td (or ) Tj ET Q q 0 0 0 rg BT 446.88 462.10 Td (doubtful, ) Tj ET Q q 0 0 0 rg BT 495.07 462.10 Td (based ) Tj ET Q q 0 0 0 rg BT 520.77 462.10 Td (on ) Tj ET Q q 0 0 0 rg BT 533.70 462.10 Td (criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 91.31 450.10 Td (with ) Tj ET Q q 0 0 0 rg BT 110.40 450.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 152.82 450.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 189.68 450.10 Td (by ) Tj ET Q q 0 0 0 rg BT 201.00 450.10 Td (our ) Tj ET Q q 0 0 0 rg BT 215.64 450.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 249.18 450.10 Td (regulators. ) Tj ET Q q 0 0 0 rg BT 292.98 450.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 329.84 450.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 364.48 450.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 386.91 450.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 424.87 450.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 447.29 450.10 Td (that ) Tj ET Q q 0 0 0 rg BT 463.60 450.10 Td (are ) Tj ET Q q 0 0 0 rg BT 477.12 450.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 514.53 450.10 Td (performing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 438.10 Td (but ) Tj ET Q q 0 0 0 rg BT 65.37 438.10 Td (for ) Tj ET Q q 0 0 0 rg BT 79.61 438.10 Td (which ) Tj ET Q q 0 0 0 rg BT 106.64 438.10 Td (known ) Tj ET Q q 0 0 0 rg BT 136.45 438.10 Td (information ) Tj ET Q q 0 0 0 rg BT 186.25 438.10 Td (about ) Tj ET Q q 0 0 0 rg BT 211.05 438.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 246.42 438.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 271.77 438.10 Td (problems ) Tj ET Q q 0 0 0 rg BT 311.58 438.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.50 438.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.30 438.10 Td (related ) Tj ET Q q 0 0 0 rg BT 367.09 438.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 410.22 438.10 Td (causes ) Tj ET Q q 0 0 0 rg BT 438.91 438.10 Td (management ) Tj ET Q q 0 0 0 rg BT 492.58 438.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.95 438.10 Td (have ) Tj ET Q q 0 0 0 rg BT 524.41 438.10 Td (doubts ) Tj ET Q q 0 0 0 rg BT 553.67 438.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 426.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.90 426.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.23 426.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 101.90 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.34 426.10 Td (such ) Tj ET Q q 0 0 0 rg BT 132.79 426.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 175.45 426.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.34 426.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 217.46 426.10 Td (with ) Tj ET Q q 0 0 0 rg BT 237.35 426.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.68 426.10 Td (present ) Tj ET Q q 0 0 0 rg BT 282.68 426.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 302.01 426.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 346.33 426.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 370.66 426.10 Td (and ) Tj ET Q q 0 0 0 rg BT 387.22 426.10 Td (which ) Tj ET Q q 0 0 0 rg BT 413.77 426.10 Td (may ) Tj ET Q q 0 0 0 rg BT 433.11 426.10 Td (result ) Tj ET Q q 0 0 0 rg BT 457.44 426.10 Td (in ) Tj ET Q q 0 0 0 rg BT 467.34 426.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 510.00 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.45 426.10 Td (such ) Tj ET Q q 0 0 0 rg BT 540.89 426.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 414.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.52 414.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 124.69 414.10 Td (at ) Tj ET Q q 0 0 0 rg BT 135.10 414.10 Td (some ) Tj ET Q q 0 0 0 rg BT 159.39 414.10 Td (time ) Tj ET Q q 0 0 0 rg BT 180.36 414.10 Td (in ) Tj ET Q q 0 0 0 rg BT 191.32 414.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.73 414.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 236.06 414.10 Td (These ) Tj ET Q q 0 0 0 rg BT 263.13 414.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 287.43 414.10 Td (are ) Tj ET Q q 0 0 0 rg BT 302.82 414.10 Td (not ) Tj ET Q q 0 0 0 rg BT 318.79 414.10 Td (included ) Tj ET Q q 0 0 0 rg BT 356.41 414.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.38 414.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.78 414.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 419.86 414.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.38 414.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 478.43 414.10 Td (or ) Tj ET Q q 0 0 0 rg BT 489.95 414.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 540.89 414.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 402.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 91.81 402.10 Td (above. ) Tj ET Q q 0 0 0 rg BT 121.43 402.10 Td (W) Tj ET Q q 0 0 0 rg BT 130.07 402.10 Td (e ) Tj ET Q q 0 0 0 rg BT 138.01 402.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 168.16 402.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 199.42 402.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.14 402.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 243.07 402.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.34 402.10 Td (which ) Tj ET Q q 0 0 0 rg BT 282.28 402.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 324.65 402.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 369.81 402.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.64 402.10 Td (other ) Tj ET Q q 0 0 0 rg BT 405.68 402.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 436.39 402.10 Td (may ) Tj ET Q q 0 0 0 rg BT 457.10 402.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 487.81 402.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 531.85 402.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 402.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 390.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.91 390.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 124.16 390.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 150.05 390.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 199.38 390.10 Td (, ) Tj ET Q q 0 0 0 rg BT 204.80 390.10 Td (there ) Tj ET Q q 0 0 0 rg BT 227.71 390.10 Td (can ) Tj ET Q q 0 0 0 rg BT 244.51 390.10 Td (be ) Tj ET Q q 0 0 0 rg BT 256.87 390.10 Td (no ) Tj ET Q q 0 0 0 rg BT 269.79 390.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 311.58 390.10 Td (that ) Tj ET Q q 0 0 0 rg BT 329.50 390.10 Td (other ) Tj ET Q q 0 0 0 rg BT 352.97 390.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 377.00 390.10 Td (will ) Tj ET Q q 0 0 0 rg BT 395.48 390.10 Td (not ) Tj ET Q q 0 0 0 rg BT 411.18 390.10 Td (become ) Tj ET Q q 0 0 0 rg BT 445.20 390.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 478.95 390.10 Td (or ) Tj ET Q q 0 0 0 rg BT 490.20 390.10 Td (more ) Tj ET Q q 0 0 0 rg BT 513.67 390.10 Td (past ) Tj ET Q q 0 0 0 rg BT 532.70 390.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 552.56 390.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 378.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 79.70 378.10 Td (on ) Tj ET Q q 0 0 0 rg BT 93.31 378.10 Td (nonaccrual, ) Tj ET Q q 0 0 0 rg BT 143.29 378.10 Td (become ) Tj ET Q q 0 0 0 rg BT 177.99 378.10 Td (restructured, ) Tj ET Q q 0 0 0 rg BT 231.85 378.10 Td (or ) Tj ET Q q 0 0 0 rg BT 243.79 378.10 Td (require ) Tj ET Q q 0 0 0 rg BT 275.72 378.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 317.08 378.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 361.22 378.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 400.92 378.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.97 378.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 460.35 378.10 Td (for ) Tj ET Q q 0 0 0 rg BT 475.62 378.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 496.45 378.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 526.45 378.10 Td (Potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 366.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 86.37 366.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.53 366.10 Td (are ) Tj ET Q q 0 0 0 rg BT 125.79 366.10 Td (assessed ) Tj ET Q q 0 0 0 rg BT 162.72 366.10 Td (for ) Tj ET Q q 0 0 0 rg BT 177.43 366.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 196.04 366.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 235.19 366.10 Td (using ) Tj ET Q q 0 0 0 rg BT 259.91 366.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.17 366.10 Td (methods ) Tj ET Q q 0 0 0 rg BT 312.11 366.10 Td (described ) Tj ET Q q 0 0 0 rg BT 353.47 366.10 Td (in ) Tj ET Q q 0 0 0 rg BT 364.30 366.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 386.79 366.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 394.84 366.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.67 366.10 Td (our ) Tj ET Q q 0 0 0 rg BT 422.05 366.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 477.87 366.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 518.13 366.10 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 354.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.27 354.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.99 354.10 Td (caption ) Tj ET Q q 0 0 0 rg BT 121.92 354.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 153.85 354.10 Td (Quality ) Tj ET Q q 0 0 0 rg BT 186.35 354.10 Td (Indicators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 336.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 336.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.22 336.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 113.45 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.81 336.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 153.27 336.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.74 336.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 225.87 336.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 251.34 336.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.92 336.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 305.05 336.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 340.51 336.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 363.76 336.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.68 336.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 410.80 336.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.72 336.10 Td (response ) Tj ET Q q 0 0 0 rg BT 457.85 336.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.77 336.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 506.56 336.10 Td (economic ) 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 50.00 324.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.27 324.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 126.95 324.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.90 324.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.63 324.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 191.12 324.10 Td (sizes ) Tj ET Q q 0 0 0 rg BT 213.07 324.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.91 324.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.64 324.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 281.68 324.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 301.41 324.10 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 345.31 324.10 Td (along ) Tj ET Q q 0 0 0 rg BT 370.04 324.10 Td (with ) Tj ET Q q 0 0 0 rg BT 390.33 324.10 Td (our ) Tj ET Q q 0 0 0 rg BT 406.17 324.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 435.32 324.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.17 324.10 Td (success ) Tj ET Q q 0 0 0 rg BT 478.67 324.10 Td (in ) Tj ET Q q 0 0 0 rg BT 488.96 324.10 Td (resolving ) Tj ET Q q 0 0 0 rg BT 528.69 324.10 Td (problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 312.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 78.15 312.10 Td (W) Tj ET Q q 0 0 0 rg BT 86.79 312.10 Td (e ) Tj ET Q q 0 0 0 rg BT 93.73 312.10 Td (take ) Tj ET Q q 0 0 0 rg BT 112.88 312.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.82 312.10 Td (proactive ) Tj ET Q q 0 0 0 rg BT 159.52 312.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 198.67 312.10 Td (with ) Tj ET Q q 0 0 0 rg BT 218.95 312.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 249.76 312.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.04 312.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.76 312.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 330.57 312.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.51 312.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 390.00 312.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.83 312.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 436.66 312.10 Td (loans.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 294.10 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 109.53 294.10 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 276.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 276.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.52 276.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 121.27 276.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.94 276.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 176.13 276.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.91 276.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.57 276.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 244.54 276.10 Td (at ) Tj ET Q q 0 0 0 rg BT 254.20 276.10 Td (least ) Tj ET Q q 0 0 0 rg BT 274.97 276.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 310.42 276.10 Td (, ) Tj ET Q q 0 0 0 rg BT 315.36 276.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.24 276.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.47 276.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 393.23 276.10 Td (our ) Tj ET Q q 0 0 0 rg BT 409.00 276.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 451.98 276.10 Td (for ) Tj ET Q q 0 0 0 rg BT 466.08 276.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 485.74 276.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 514.58 276.10 Td (we ) Tj ET Q q 0 0 0 rg BT 528.68 276.10 Td (estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 264.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.27 264.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.66 264.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 122.13 264.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 148.12 264.10 Td (or ) Tj ET Q q 0 0 0 rg BT 158.83 264.10 Td (groups ) Tj ET Q q 0 0 0 rg BT 188.44 264.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.15 264.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 225.14 264.10 Td (where ) Tj ET Q q 0 0 0 rg BT 251.95 264.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.55 264.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 303.92 264.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 321.86 264.10 Td (can ) Tj ET Q q 0 0 0 rg BT 338.12 264.10 Td (be ) Tj ET Q q 0 0 0 rg BT 349.94 264.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 390.64 264.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.46 264.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 453.16 264.10 Td (determined. ) Tj ET Q q 0 0 0 rg BT 502.85 264.10 Td (The ) Tj ET Q q 0 0 0 rg BT 520.78 264.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 553.69 264.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 252.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.22 252.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 109.63 252.10 Td (for ) Tj ET Q q 0 0 0 rg BT 124.18 252.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 144.28 252.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.06 252.10 Td (is ) Tj ET Q q 0 0 0 rg BT 180.62 252.10 Td (based ) Tj ET Q q 0 0 0 rg BT 206.27 252.10 Td (on ) Tj ET Q q 0 0 0 rg BT 219.16 252.10 Td (internally ) Tj ET Q q 0 0 0 rg BT 260.36 252.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 297.69 252.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 315.57 252.10 Td (classifications ) Tj ET Q q 0 0 0 rg BT 375.11 252.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.32 252.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 412.82 252.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.92 252.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 451.81 252.10 Td (s ) Tj ET Q q 0 0 0 rg BT 458.58 252.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.91 252.10 Td (peer ) Tj ET Q q 0 0 0 rg BT 496.00 252.10 Td (banks) Tj ET Q q 0 0 0 rg BT 521.92 252.10 Td ( ) Tj ET Q q 0 0 0 rg BT 524.80 252.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 240.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 67.84 240.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 115.91 240.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 150.40 240.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.45 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.94 240.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 202.20 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.81 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.30 240.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 246.79 240.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 286.56 240.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 316.60 240.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 353.87 240.10 Td (quality) Tj ET Q q 0 0 0 rg BT 381.00 240.10 Td (, ) Tj ET Q q 0 0 0 rg BT 385.77 240.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 420.83 240.10 Td (concentrations, ) Tj ET Q q 0 0 0 rg BT 483.91 240.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 535.06 240.10 Td (trends, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 228.10 Td (current ) Tj ET Q q 0 0 0 rg BT 79.72 228.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 119.99 228.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 148.60 228.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.44 228.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.06 228.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 217.79 228.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 246.40 228.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.13 228.10 Td (current ) Tj ET Q q 0 0 0 rg BT 285.85 228.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 326.13 228.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 369.20 228.10 Td (on ) Tj ET Q q 0 0 0 rg BT 380.60 228.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 409.20 228.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 447.82 228.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 466.44 228.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 483.40 228.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 506.18 228.10 Td (See ) Tj ET Q q 0 0 0 rg BT 522.02 228.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 94.17 216.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 134.99 216.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.82 216.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 193.85 216.10 Td (for ) Tj ET Q q 0 0 0 rg BT 208.01 216.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 227.72 216.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 254.12 216.10 Td (under ) Tj ET Q q 0 0 0 rg BT 279.38 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.10 216.10 Td (caption ) Tj ET Q q 0 0 0 rg BT 326.04 216.10 Td (Critical ) Tj ET Q q 0 0 0 rg BT 362.41 216.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 411.57 216.10 Td (Policies ) Tj ET Q q 0 0 0 rg BT 445.73 216.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.67 216.10 Td (Estimates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 198.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.13 198.10 Td (general ) Tj ET Q q 0 0 0 rg BT 120.14 198.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 154.36 198.10 Td (is ) Tj ET Q q 0 0 0 rg BT 163.61 198.10 Td (to ) Tj ET Q q 0 0 0 rg BT 173.97 198.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 207.66 198.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 243.57 198.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 272.80 198.10 Td (early ) Tj ET Q q 0 0 0 rg BT 295.37 198.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.39 198.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 353.84 198.10 Td (full ) Tj ET Q q 0 0 0 rg BT 370.31 198.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.22 198.10 Td (partial ) Tj ET Q q 0 0 0 rg BT 409.34 198.10 Td (char) Tj ET Q q 0 0 0 rg BT 426.37 198.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 447.29 198.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 457.09 198.10 Td (as ) Tj ET Q q 0 0 0 rg BT 468.00 198.10 Td (promptly ) Tj ET Q q 0 0 0 rg BT 507.25 198.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.16 198.10 Td (practicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 186.10 Td (when ) Tj ET Q q 0 0 0 rg BT 74.95 186.10 Td (it ) Tj ET Q q 0 0 0 rg BT 83.80 186.10 Td (is ) Tj ET Q q 0 0 0 rg BT 93.76 186.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 142.03 186.10 Td (that ) Tj ET Q q 0 0 0 rg BT 160.31 186.10 Td (it ) Tj ET Q q 0 0 0 rg BT 169.16 186.10 Td (is ) Tj ET Q q 0 0 0 rg BT 179.12 186.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 217.39 186.10 Td (that ) Tj ET Q q 0 0 0 rg BT 235.68 186.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.19 186.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 271.69 186.10 Td (will ) Tj ET Q q 0 0 0 rg BT 290.54 186.10 Td (not ) Tj ET Q q 0 0 0 rg BT 306.61 186.10 Td (be ) Tj ET Q q 0 0 0 rg BT 319.34 186.10 Td (repaid ) Tj ET Q q 0 0 0 rg BT 347.61 186.10 Td (according ) Tj ET Q q 0 0 0 rg BT 390.33 186.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.39 186.10 Td (its ) Tj ET Q q 0 0 0 rg BT 414.13 186.10 Td (original ) Tj ET Q q 0 0 0 rg BT 448.53 186.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 496.24 186.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 524.24 186.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 174.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.85 174.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.59 174.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 141.83 174.10 Td (Full ) Tj ET Q q 0 0 0 rg BT 161.25 174.10 Td (or ) Tj ET Q q 0 0 0 rg BT 172.89 174.10 Td (partial ) Tj ET Q q 0 0 0 rg BT 201.73 174.10 Td (char) Tj ET Q q 0 0 0 rg BT 218.76 174.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 239.68 174.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 250.20 174.10 Td (on ) Tj ET Q q 0 0 0 rg BT 263.51 174.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 304.01 174.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 348.41 174.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 387.25 174.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 411.67 174.10 Td (are ) Tj ET Q q 0 0 0 rg BT 427.18 174.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 474.35 174.10 Td (when ) Tj ET Q q 0 0 0 rg BT 499.31 174.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.83 174.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 555.33 174.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 162.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 83.97 162.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.62 162.10 Td (be ) Tj ET Q q 0 0 0 rg BT 106.93 162.10 Td (insuf) Tj ET Q q 0 0 0 rg BT 126.75 162.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 155.17 162.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.82 162.10 Td (support ) Tj ET Q q 0 0 0 rg BT 198.69 162.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.78 162.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 249.97 162.10 Td (value ) Tj ET Q q 0 0 0 rg BT 274.50 162.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.70 162.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.79 162.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 323.18 162.10 Td (W) Tj ET Q q 0 0 0 rg BT 331.81 162.10 Td (e ) Tj ET Q q 0 0 0 rg BT 339.13 162.10 Td (do ) Tj ET Q q 0 0 0 rg BT 352.00 162.10 Td (not ) Tj ET Q q 0 0 0 rg BT 367.65 162.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 409.39 162.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.70 162.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 454.55 162.10 Td (when ) Tj ET Q q 0 0 0 rg BT 479.08 162.10 Td (an ) Tj ET Q q 0 0 0 rg BT 491.39 162.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 525.92 162.10 Td (appraisal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.10 Td (indicates ) Tj ET Q q 0 0 0 rg BT 88.04 150.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.98 150.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 141.92 150.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 177.17 150.10 Td (in ) Tj ET Q q 0 0 0 rg BT 187.45 150.10 Td (value ) Tj ET Q q 0 0 0 rg BT 211.61 150.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.44 150.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.15 150.10 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 132.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.24 132.10 Td (char) Tj ET Q q 0 0 0 rg BT 105.26 132.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 126.18 132.10 Td (f ) Tj ET Q q 0 0 0 rg BT 132.20 132.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 168.49 132.10 Td (which ) Tj ET Q q 0 0 0 rg BT 195.61 132.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 228.29 132.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.75 132.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 289.21 132.10 Td (established ) Tj ET Q q 0 0 0 rg BT 336.33 132.10 Td (by ) Tj ET Q q 0 0 0 rg BT 349.01 132.10 Td (our ) Tj ET Q q 0 0 0 rg BT 365.03 132.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 399.93 132.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 445.10 132.10 Td (are ) Tj ET Q q 0 0 0 rg BT 460.00 132.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 510.45 132.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 542.57 132.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.10 Td (period ) Tj ET Q q 0 0 0 rg BT 78.35 120.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.93 120.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 119.77 120.10 Td (Char) Tj ET Q q 0 0 0 rg BT 139.03 120.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 159.95 120.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 169.97 120.10 Td (are ) Tj ET Q q 0 0 0 rg BT 184.98 120.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 222.75 120.10 Td (on ) Tj ET Q q 0 0 0 rg BT 235.55 120.10 Td (a ) Tj ET Q q 0 0 0 rg BT 242.79 120.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 278.93 120.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 304.23 120.10 Td (as ) Tj ET Q q 0 0 0 rg BT 315.36 120.10 Td (incurred. ) Tj ET Q q 0 0 0 rg BT 353.97 120.10 Td (Partially ) Tj ET Q q 0 0 0 rg BT 390.66 120.10 Td (char) Tj ET Q q 0 0 0 rg BT 407.68 120.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 433.60 120.10 Td (f ) Tj ET Q q 0 0 0 rg BT 439.73 120.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 463.64 120.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 500.87 120.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.45 120.10 Td (be ) Tj ET Q q 0 0 0 rg BT 523.69 120.10 Td (evaluated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.85 108.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.13 108.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 106.32 108.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 129.17 108.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.45 108.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 189.29 108.10 Td (char) Tj ET Q q 0 0 0 rg BT 206.32 108.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 227.24 108.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 237.31 108.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.48 108.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 268.55 108.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 286.96 108.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 331.48 108.10 Td (may ) Tj ET Q q 0 0 0 rg BT 351.54 108.10 Td (be ) Tj ET Q q 0 0 0 rg BT 363.83 108.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 401.65 108.10 Td (on ) Tj ET Q q 0 0 0 rg BT 414.50 108.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.56 108.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 472.95 108.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 493.02 108.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 526.40 108.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.02 108.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 96.10 Td (same ) Tj ET Q q 0 0 0 rg BT 87.76 96.10 Td (criteria.) 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 (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 127.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 149.37 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 184.64 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.35 742.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 231.84 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 242.12 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 257.95 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 300.98 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 315.14 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 334.86 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 361.25 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 378.19 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 407.89 742.10 Td (ratios:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 712.6 m 346.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 712.6 m 350.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 712.6 m 400.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 712.6 m 404.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 712.6 m 454.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 712.6 m 458.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 712.6 m 508.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 712.6 m 512.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 712.6 m 562.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 699.6 m 346.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 699.6 m 400.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 699.6 m 454.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 699.6 m 508.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 699.6 m 562.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 581.6 m 346.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 581.6 m 400.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 581.6 m 454.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 581.6 m 508.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 581.6 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 296.5 566.6 m 346.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 581.6 m 400.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 566.6 m 400.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 566.6 m 454.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 581.6 m 508.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 566.6 m 508.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 581.6 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 512.5 566.6 m 562.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 491.6 m 346.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 491.6 m 400.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 491.6 m 454.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 491.6 m 508.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 491.6 m 562.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 491.6 m 346.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 476.6 m 346.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 491.6 m 400.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 476.6 m 400.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 491.6 m 454.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 476.6 m 454.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 491.6 m 508.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 476.6 m 508.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 491.6 m 562.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 476.6 m 562.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 476.6 m 400.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 476.6 m 454.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 476.6 m 508.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 476.6 m 562.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 446.6 m 346.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 446.6 m 400.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 446.6 m 454.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 446.6 m 508.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 446.6 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 296.5 432.6 m 346.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 430.6 m 346.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 446.6 m 400.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 432.6 m 400.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 430.6 m 400.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 446.6 m 454.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 432.6 m 454.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 430.6 m 454.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 446.6 m 508.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 432.6 m 508.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 430.6 m 508.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 446.6 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 512.5 432.6 m 562.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 430.6 m 562.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 417.6 m 346.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 415.6 m 346.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 417.6 m 400.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 415.6 m 400.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 417.6 m 454.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 415.6 m 454.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 417.6 m 508.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 415.6 m 508.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 417.6 m 562.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 415.6 m 562.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 402.6 m 346.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 400.6 m 346.5 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 402.6 m 400.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 400.6 m 400.5 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 402.6 m 454.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 400.6 m 454.5 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 402.6 m 508.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 400.6 m 508.5 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 402.6 m 562.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 400.6 m 562.5 400.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.50 716.83 Td (At December) Tj ET Q q 0 0 0 rg BT 445.51 716.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 703.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.00 703.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 703.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 703.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 703.83 Td (2014) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 391.85 690.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 676.27 Td (Balance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 676.17 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 676.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 676.27 Td (18,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 676.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 676.27 Td (17,982) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 676.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 676.27 Td (14,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 676.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.75 676.27 Td (10,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 676.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.75 676.27 Td (8,382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 661.27 Td (Char) Tj ET Q q 0 0 0 rg BT 72.35 661.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 93.27 661.27 Td (fs:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 646.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 646.17 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.30 646.32 Td (\(420) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 646.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 646.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 646.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 646.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 646.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 631.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 631.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.80 631.32 Td (\(5,614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 631.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 631.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 631.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 631.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 631.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 616.27 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.00 616.17 Td (........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 616.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 616.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.30 616.32 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 616.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 616.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.95 616.27 Td (\(100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 616.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 601.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 601.17 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.30 601.32 Td (\(815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 601.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.30 601.32 Td (\(521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 601.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.30 601.32 Td (\(69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 601.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.95 601.27 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 601.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 601.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 586.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.50 586.17 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.30 586.32 Td (\(77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 586.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.30 586.32 Td (\(51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 586.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.30 586.32 Td (\(35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 586.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.95 586.27 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 586.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.95 586.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 586.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 571.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 571.27 Td (otal char) Tj ET Q q 0 0 0 rg BT 111.02 571.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 131.94 571.27 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 571.17 Td (.............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.80 571.32 Td (\(6,926) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 571.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.30 571.32 Td (\(572) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 571.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 571.32 Td (\(1) Tj ET Q q 0 0 0 rg BT 435.63 571.32 Td (1) Tj ET Q q 0 0 0 rg BT 440.63 571.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 571.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.95 571.27 Td (\(30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 571.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.95 571.27 Td (\(103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 571.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 556.27 Td (Recoveries:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 541.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 541.17 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 541.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.65 541.27 Td (146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 541.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 541.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 541.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 526.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 526.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 526.27 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 526.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 526.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 526.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 526.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 511.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.50 511.17 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.65 511.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.65 511.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 511.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.30 511.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.25 511.27 Td (425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 496.27 Td (Commercial Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 496.17 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 496.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.65 496.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 496.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.25 496.27 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 496.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 481.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 481.27 Td (otal recoveries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.50 481.17 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.65 481.27 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.65 481.27 Td (153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 481.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.25 481.27 Td (109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.25 481.27 Td (429) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 466.27 Td (Net \(char) Tj ET Q q 0 0 0 rg BT 90.39 466.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 111.30 466.27 Td (fs\) recoveries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 466.17 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.80 466.32 Td (\(6,882) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 466.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.30 466.32 Td (\(419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 466.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 466.32 Td (\(101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 466.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 466.27 Td (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.25 466.27 Td (326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 451.27 Td (Provision char) Tj ET Q q 0 0 0 rg BT 110.96 451.27 Td (ged to earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.00 451.17 Td (................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 451.27 Td (3,440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 451.27 Td (1,341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 451.27 Td (3,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.75 451.27 Td (3,230) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.75 451.27 Td (2,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 436.27 Td (Balance at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.00 436.17 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 436.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 436.27 Td (15,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 436.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 436.27 Td (18,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 436.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 436.27 Td (17,982) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 436.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.75 436.27 Td (14,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 436.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.75 436.27 Td (10,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 421.27 Td (Net char) Tj ET Q q 0 0 0 rg BT 87.06 421.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 107.97 421.27 Td (fs \(recoveries\) to average loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 421.17 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 421.27 Td (0.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 421.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 421.27 Td (0.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 421.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 421.27 Td (0.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 421.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.45 421.27 Td (\(0.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 421.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.45 421.27 Td (\(0.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 421.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 406.27 Td (Allowance for loan losses to total loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.00 406.17 Td (................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 406.27 Td (0.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 406.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 406.27 Td (1.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 406.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 406.27 Td (1.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 406.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.75 406.27 Td (1.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 406.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.75 406.27 Td (1.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 406.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 384.10 Td (At ) Tj ET Q q 0 0 0 rg BT 82.59 384.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 141.27 384.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 166.36 384.10 Td (our ) Tj ET Q q 0 0 0 rg BT 182.29 384.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 225.41 384.10 Td (for ) Tj ET Q q 0 0 0 rg BT 239.66 384.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 259.47 384.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 285.96 384.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 384.10 Td ($15.5 ) Tj ET Q q 0 0 0 rg BT 329.19 384.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.09 384.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.62 384.10 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.29 384.10 Td (0.96%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.12 384.10 Td ( ) Tj ET Q q 0 0 0 rg BT 454.72 384.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.64 384.10 Td (total ) Tj ET Q q 0 0 0 rg BT 486.01 384.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 512.21 384.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.22 384.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.10 Td ($18.9million ) Tj ET Q q 0 0 0 rg BT 106.20 372.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.94 372.10 Td (1.23% ) Tj ET Q q 0 0 0 rg BT 151.08 372.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.71 372.10 Td (total ) Tj ET Q q 0 0 0 rg BT 181.79 372.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 205.21 372.10 Td (at ) Tj ET Q q 0 0 0 rg BT 214.73 372.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 273.12 372.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 297.76 372.10 Td (The ) Tj ET Q q 0 0 0 rg BT 315.61 372.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 352.33 372.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.42 372.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.94 372.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 397.57 372.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.21 372.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 451.05 372.10 Td (for ) Tj ET Q q 0 0 0 rg BT 465.01 372.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 484.54 372.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 510.73 372.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.82 372.10 Td (total ) Tj ET Q q 0 0 0 rg BT 540.90 372.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.95 360.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 86.77 360.10 Td (by ) Tj ET Q q 0 0 0 rg BT 99.04 360.10 Td (improving ) Tj ET Q q 0 0 0 rg BT 142.98 360.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 182.47 360.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 200.31 360.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 227.02 360.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.74 360.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.45 360.10 Td (char) Tj ET Q q 0 0 0 rg BT 267.48 360.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 288.39 360.10 Td (f ) Tj ET Q q 0 0 0 rg BT 294.00 360.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.05 360.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.54 360.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 345.26 360.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 375.85 360.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.46 360.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 408.73 360.10 Td (of ) Tj ET Q q 0 0 0 rg BT 419.34 360.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.05 360.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 470.54 360.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 506.14 360.10 Td (reserved ) Tj ET Q q 0 0 0 rg BT 542.28 360.10 Td (loan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.72 348.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 105.36 348.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 132.07 348.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 190.98 348.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 216.31 348.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 239.14 348.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.41 348.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 281.74 348.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.78 348.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 337.39 348.10 Td (for ) Tj ET Q q 0 0 0 rg BT 351.88 348.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 371.92 348.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 398.64 348.10 Td (char) Tj ET Q q 0 0 0 rg BT 415.67 348.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 432.94 348.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.54 348.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 480.25 348.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.29 348.10 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 530.62 348.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 348.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 336.10 Td ($1.3million ) Tj ET Q q 0 0 0 rg BT 100.15 336.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.85 336.10 Td ($3.9million, ) Tj ET Q q 0 0 0 rg BT 168.50 336.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 216.16 336.10 Td (. ) Tj ET Q q 0 0 0 rg BT 219.92 336.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 235.62 336.10 Td (char) Tj ET Q q 0 0 0 rg BT 252.64 336.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 273.56 336.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 282.04 336.10 Td (for ) Tj ET Q q 0 0 0 rg BT 294.96 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.43 336.10 Td (year ) Tj ET Q q 0 0 0 rg BT 326.90 336.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 352.04 336.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 409.38 336.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 430.64 336.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.33 336.10 Td ($6.9 ) Tj ET Q q 0 0 0 rg BT 470.08 336.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.98 336.10 Td ( ) Tj ET Q q 0 0 0 rg BT 500.23 336.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.93 336.10 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 324.10 Td (0.44%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 324.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.54 324.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.58 324.10 Td (average ) Tj ET Q q 0 0 0 rg BT 123.37 324.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 149.68 324.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 189.60 324.10 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.62 324.10 Td ($5.6 ) Tj ET Q q 0 0 0 rg BT 250.83 324.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.72 324.10 Td ( ) Tj ET Q q 0 0 0 rg BT 282.43 324.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.46 324.10 Td (net ) Tj ET Q q 0 0 0 rg BT 308.39 324.10 Td (char) Tj ET Q q 0 0 0 rg BT 325.42 324.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 346.33 324.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 356.26 324.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.30 324.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 417.20 324.10 Td (real ) Tj ET Q q 0 0 0 rg BT 434.90 324.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 460.37 324.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 486.68 324.10 Td (For ) Tj ET Q q 0 0 0 rg BT 503.28 324.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.21 324.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 324.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 312.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.51 312.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 133.43 312.10 Td (net ) Tj ET Q q 0 0 0 rg BT 148.07 312.10 Td (char) Tj ET Q q 0 0 0 rg BT 165.10 312.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 186.02 312.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 195.66 312.10 Td (were ) Tj ET Q q 0 0 0 rg BT 217.51 312.10 Td ($0.4million ) Tj ET Q q 0 0 0 rg BT 268.83 312.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.69 312.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 334.20 312.10 Td (0.03% ) Tj ET Q q 0 0 0 rg BT 362.45 312.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.20 312.10 Td (average ) Tj ET Q q 0 0 0 rg BT 406.71 312.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 432.74 312.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 472.38 312.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 513.11 312.10 Td ($0.5million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 300.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 300.10 Td (char) Tj ET Q q 0 0 0 rg BT 77.86 300.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 98.77 300.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 108.50 300.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.33 300.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 169.02 300.10 Td (business ) Tj ET Q q 0 0 0 rg BT 205.42 300.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 282.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.11 282.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 124.00 282.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 156.56 282.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.46 282.10 Td (total ) Tj ET Q q 0 0 0 rg BT 187.80 282.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 225.91 282.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 249.58 282.10 Td (at ) Tj ET Q q 0 0 0 rg BT 259.37 282.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 318.02 282.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 340.59 282.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.71 282.10 Td ($19.1 ) Tj ET Q q 0 0 0 rg BT 383.77 282.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.66 282.10 Td (. ) Tj ET Q q 0 0 0 rg BT 417.55 282.10 Td (This ) Tj ET Q q 0 0 0 rg BT 437.89 282.10 Td (compares ) Tj ET Q q 0 0 0 rg BT 478.77 282.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.12 282.10 Td (a ) Tj ET Q q 0 0 0 rg BT 496.13 282.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 532.01 282.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 270.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.40 270.10 Td ($14.9million ) Tj ET Q q 0 0 0 rg BT 116.35 270.10 Td (for ) Tj ET Q q 0 0 0 rg BT 130.08 270.10 Td (total ) Tj ET Q q 0 0 0 rg BT 149.92 270.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 187.52 270.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 210.70 270.10 Td (at ) Tj ET Q q 0 0 0 rg BT 219.98 270.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 278.13 270.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 302.55 270.10 Td (The ) Tj ET Q q 0 0 0 rg BT 320.16 270.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 352.22 270.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.61 270.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 405.21 270.10 Td (for ) Tj ET Q q 0 0 0 rg BT 418.94 270.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 438.22 270.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 464.18 270.10 Td (related ) Tj ET Q q 0 0 0 rg BT 493.44 270.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.29 270.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 540.90 270.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 258.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.05 258.10 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 88.05 258.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.94 258.10 Td ( ) Tj ET Q q 0 0 0 rg BT 119.44 258.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.38 258.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 156.38 258.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.27 258.10 Td (, ) Tj ET Q q 0 0 0 rg BT 190.27 258.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 237.93 258.10 Td (, ) Tj ET Q q 0 0 0 rg BT 242.93 258.10 Td (at ) Tj ET Q q 0 0 0 rg BT 252.65 258.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 311.24 258.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 333.74 258.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.67 258.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 240.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.06 240.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.46 240.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 155.30 240.10 Td (present ) Tj ET Q q 0 0 0 rg BT 186.69 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.42 240.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 243.36 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.21 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.94 240.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 311.98 240.10 Td (for ) Tj ET Q q 0 0 0 rg BT 326.16 240.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 345.89 240.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 372.29 240.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.25 240.10 Td (thepercentage ) Tj ET Q q 0 0 0 rg BT 449.78 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.62 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.35 240.10 Td (related ) Tj ET Q q 0 0 0 rg BT 505.07 240.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 524.80 240.10 Td (segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 228.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 228.10 Td (total ) Tj ET Q q 0 0 0 rg BT 80.55 228.10 Td (loans:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 199.60000000000002 m 292.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 199.60000000000002 m 296.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 199.60000000000002 m 346.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 199.60000000000002 m 350.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 199.60000000000002 m 400.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 199.60000000000002 m 404.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 199.60000000000002 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 454.5 199.60000000000002 m 458.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 199.60000000000002 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 508.5 199.60000000000002 m 512.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 199.60000000000002 m 562.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 187.60000000000002 m 292.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 187.60000000000002 m 296.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 187.60000000000002 m 346.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 187.60000000000002 m 400.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 187.60000000000002 m 404.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 187.60000000000002 m 454.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 187.60000000000002 m 508.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 187.60000000000002 m 512.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 187.60000000000002 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 242.5 158.60000000000002 m 292.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 158.60000000000002 m 346.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 158.60000000000002 m 400.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 158.60000000000002 m 454.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 158.60000000000002 m 508.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 158.60000000000002 m 562.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 86.60000000000002 m 292.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 86.60000000000002 m 346.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 86.60000000000002 m 400.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 86.60000000000002 m 454.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 86.60000000000002 m 508.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 86.60000000000002 m 562.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 73.60000000000002 m 292.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 71.60000000000002 m 292.5 71.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 73.60000000000002 m 346.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 71.60000000000002 m 346.5 71.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 73.60000000000002 m 400.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 71.60000000000002 m 400.5 71.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 73.60000000000002 m 454.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 71.60000000000002 m 454.5 71.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 86.60000000000002 m 508.5 86.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 73.60000000000002 m 508.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 71.60000000000002 m 508.5 71.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 73.60000000000002 m 562.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 71.60000000000002 m 562.5 71.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.50 203.68 Td (At December) Tj ET Q q 0 0 0 rg BT 418.51 203.68 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.00 191.68 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 394.00 191.68 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.00 191.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.95 162.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.60 178.83 Td (Per) Tj ET Q q 0 0 0 rg BT 315.44 178.83 Td (cent of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.10 170.83 Td (Loan) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 305.85 162.83 Td (Portfolio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 162.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.60 178.83 Td (Per) Tj ET Q q 0 0 0 rg BT 423.44 178.83 Td (cent of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.10 170.83 Td (Loan) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.85 162.83 Td (Portfolio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.95 162.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.60 178.83 Td (Per) Tj ET Q q 0 0 0 rg BT 531.44 178.83 Td (cent of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.10 170.83 Td (Loan) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.85 162.83 Td (Portfolio) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 364.85 150.68 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 137.22 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.50 137.22 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 137.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.65 137.22 Td (857) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 137.22 Td (1) Tj ET Q q 0 0 0 rg BT 320.15 137.22 Td (1.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 137.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 137.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 137.22 Td (1,721) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 137.22 Td (12.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 137.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 137.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 137.22 Td (1,802) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 137.22 Td (14.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 137.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 125.22 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 125.22 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 125.22 Td (1) Tj ET Q q 0 0 0 rg BT 266.15 125.22 Td (1,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 125.22 Td (68.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 125.22 Td (12,777) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 125.22 Td (63.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 125.22 Td (9,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 125.22 Td (61.89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 113.22 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.50 113.22 Td (.....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.65 113.22 Td (140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 113.22 Td (4.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 113.22 Td (907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 113.22 Td (6.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 113.22 Td (2,105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 113.22 Td (7.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 101.22 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 101.22 Td (........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.15 101.22 Td (2,902) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 101.22 Td (16.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 101.22 Td (3,498) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 101.22 Td (16.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 101.22 Td (4,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 101.22 Td (15.81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 89.22 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.50 89.22 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.65 89.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 89.22 Td (0.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 89.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 89.22 Td (0.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 89.22 Td (377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 89.22 Td (0.1) Tj ET Q q 0 0 0 rg BT 548.65 89.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 77.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 77.17 Td (otal allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.00 77.17 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 77.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 77.17 Td (15,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 77.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 77.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 77.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 77.17 Td (18,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 77.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 77.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 77.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 77.17 Td (17,982) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.10 77.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 77.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET 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 (49) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 735.5 m 400.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 735.5 m 404.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 735.5 m 454.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 735.5 m 458.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 735.5 m 508.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 735.5 m 512.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 722.5 m 400.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 722.5 m 404.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 722.5 m 454.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 735.5 m 508.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 722.5 m 508.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 722.5 m 512.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 722.5 m 562.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 693.5 m 400.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 693.5 m 454.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 693.5 m 508.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 693.5 m 562.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 605.5 m 400.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 605.5 m 454.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 605.5 m 508.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 605.5 m 562.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 591.5 m 400.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 589.5 m 400.5 589.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 591.5 m 454.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 589.5 m 454.5 589.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 605.5 m 508.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 591.5 m 508.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 589.5 m 508.5 589.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 591.5 m 562.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 589.5 m 562.5 589.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.50 739.73 Td (At December) Tj ET Q q 0 0 0 rg BT 472.51 739.73 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 394.00 726.73 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.00 726.73 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 697.73 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.60 713.73 Td (Per) Tj ET Q q 0 0 0 rg BT 423.44 713.73 Td (cent of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.10 705.73 Td (Loan) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.85 697.73 Td (Portfolio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.95 697.73 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.60 713.73 Td (Per) Tj ET Q q 0 0 0 rg BT 531.44 713.73 Td (cent of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.10 705.73 Td (Loan) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.85 697.73 Td (Portfolio) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 418.85 684.73 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 670.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.00 670.07 Td (..................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 670.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 670.17 Td (1,618) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 670.17 Td (16.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 670.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 670.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 670.17 Td (1,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 670.17 Td (20.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 670.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 655.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 655.07 Td (................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 655.17 Td (7,705) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 655.17 Td (60.79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 655.17 Td (5,480) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 655.17 Td (56.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 640.17 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.00 640.07 Td (................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 640.17 Td (1,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 640.17 Td (7.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 640.17 Td (1,102) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 640.17 Td (6.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 625.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 625.07 Td (...................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 625.17 Td (3,334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 625.17 Td (15.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 625.17 Td (2,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 625.17 Td (16.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 610.07 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 610.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 610.17 Td (0.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 610.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 610.17 Td (0.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 595.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 595.17 Td (otal allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.50 595.07 Td (.................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 595.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 595.17 Td (14,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 595.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 595.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 595.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 595.17 Td (10,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.10 595.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 595.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 573.00 Td (The ) Tj ET Q q 0 0 0 rg BT 87.74 573.00 Td (allocation ) Tj ET Q q 0 0 0 rg BT 129.36 573.00 Td (of ) Tj ET Q q 0 0 0 rg BT 139.88 573.00 Td (the ) Tj ET Q q 0 0 0 rg BT 154.28 573.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 197.00 573.00 Td (for ) Tj ET Q q 0 0 0 rg BT 210.85 573.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 230.26 573.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 256.34 573.00 Td (at ) Tj ET Q q 0 0 0 rg BT 265.75 573.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 324.02 573.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 346.21 573.00 Td (reflects ) Tj ET Q q 0 0 0 rg BT 377.83 573.00 Td (our ) Tj ET Q q 0 0 0 rg BT 393.35 573.00 Td (assessment ) Tj ET Q q 0 0 0 rg BT 439.98 573.00 Td (of ) Tj ET Q q 0 0 0 rg BT 450.50 573.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 475.45 573.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 492.64 573.00 Td (and ) Tj ET Q q 0 0 0 rg BT 509.27 573.00 Td (probable ) Tj ET Q q 0 0 0 rg BT 546.44 573.00 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 561.00 Td (within ) Tj ET Q q 0 0 0 rg BT 78.70 561.00 Td (each ) Tj ET Q q 0 0 0 rg BT 100.17 561.00 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 140.58 561.00 Td (W) Tj ET Q q 0 0 0 rg BT 149.22 561.00 Td (e ) Tj ET Q q 0 0 0 rg BT 156.80 561.00 Td (believe ) Tj ET Q q 0 0 0 rg BT 188.82 561.00 Td (that ) Tj ET Q q 0 0 0 rg BT 206.96 561.00 Td (the ) Tj ET Q q 0 0 0 rg BT 222.33 561.00 Td (level ) Tj ET Q q 0 0 0 rg BT 244.91 561.00 Td (of ) Tj ET Q q 0 0 0 rg BT 256.39 561.00 Td (the ) Tj ET Q q 0 0 0 rg BT 271.75 561.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 315.43 561.00 Td (for ) Tj ET Q q 0 0 0 rg BT 330.24 561.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 350.60 561.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 377.64 561.00 Td (at ) Tj ET Q q 0 0 0 rg BT 388.00 561.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 447.23 561.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 470.38 561.00 Td (is ) Tj ET Q q 0 0 0 rg BT 480.20 561.00 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 528.88 561.00 Td (to ) Tj ET Q q 0 0 0 rg BT 539.80 561.00 Td (cover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.00 Td (probable ) Tj ET Q q 0 0 0 rg BT 87.49 549.00 Td (losses.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 531.00 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 513.00 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 513.00 Td (e ) Tj ET Q q 0 0 0 rg BT 84.64 513.00 Td (manage ) Tj ET Q q 0 0 0 rg BT 117.30 513.00 Td (our ) Tj ET Q q 0 0 0 rg BT 132.19 513.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 177.64 513.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 216.97 513.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 253.53 513.00 Td (to ) Tj ET Q q 0 0 0 rg BT 262.87 513.00 Td (provide ) Tj ET Q q 0 0 0 rg BT 294.99 513.00 Td (a ) Tj ET Q q 0 0 0 rg BT 300.99 513.00 Td (readily ) Tj ET Q q 0 0 0 rg BT 330.32 513.00 Td (available ) Tj ET Q q 0 0 0 rg BT 367.97 513.00 Td (source ) Tj ET Q q 0 0 0 rg BT 395.63 513.00 Td (of ) Tj ET Q q 0 0 0 rg BT 405.53 513.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 440.99 513.00 Td (for ) Tj ET Q q 0 0 0 rg BT 454.21 513.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 486.31 513.00 Td (sheet ) Tj ET Q q 0 0 0 rg BT 508.42 513.00 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 501.00 Td (to ) Tj ET Q q 0 0 0 rg BT 61.61 501.00 Td (generate ) Tj ET Q q 0 0 0 rg BT 99.31 501.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 132.58 501.00 Td (income ) Tj ET Q q 0 0 0 rg BT 165.84 501.00 Td (and ) Tj ET Q q 0 0 0 rg BT 184.12 501.00 Td (to ) Tj ET Q q 0 0 0 rg BT 195.73 501.00 Td (implement ) Tj ET Q q 0 0 0 rg BT 242.33 501.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 275.60 501.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 294.42 501.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 313.25 501.00 Td (management ) Tj ET Q q 0 0 0 rg BT 368.17 501.00 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 412.27 501.00 Td (Investments ) Tj ET Q q 0 0 0 rg BT 464.43 501.00 Td (are ) Tj ET Q q 0 0 0 rg BT 480.47 501.00 Td (designated ) Tj ET Q q 0 0 0 rg BT 527.07 501.00 Td (as ) Tj ET Q q 0 0 0 rg BT 539.23 501.00 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 489.00 Td (marketable ) Tj ET Q q 0 0 0 rg BT 96.98 489.00 Td (equity) Tj ET Q q 0 0 0 rg BT 121.33 489.00 Td (, ) Tj ET Q q 0 0 0 rg BT 126.40 489.00 Td (available ) Tj ET Q q 0 0 0 rg BT 165.05 489.00 Td (for ) Tj ET Q q 0 0 0 rg BT 179.28 489.00 Td (sale, ) Tj ET Q q 0 0 0 rg BT 199.89 489.00 Td (held ) Tj ET Q q 0 0 0 rg BT 219.67 489.00 Td (to ) Tj ET Q q 0 0 0 rg BT 230.02 489.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 266.46 489.00 Td (or ) Tj ET Q q 0 0 0 rg BT 277.36 489.00 Td (trading ) Tj ET Q q 0 0 0 rg BT 308.25 489.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 348.58 489.00 Td (at ) Tj ET Q q 0 0 0 rg BT 358.36 489.00 Td (the ) Tj ET Q q 0 0 0 rg BT 373.15 489.00 Td (time ) Tj ET Q q 0 0 0 rg BT 393.49 489.00 Td (of ) Tj ET Q q 0 0 0 rg BT 404.38 489.00 Td (purchase. ) Tj ET Q q 0 0 0 rg BT 444.80 489.00 Td (W) Tj ET Q q 0 0 0 rg BT 453.44 489.00 Td (e ) Tj ET Q q 0 0 0 rg BT 460.44 489.00 Td (do ) Tj ET Q q 0 0 0 rg BT 473.01 489.00 Td (not ) Tj ET Q q 0 0 0 rg BT 488.35 489.00 Td (currently ) Tj ET Q q 0 0 0 rg BT 527.01 489.00 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 477.00 Td (a ) Tj ET Q q 0 0 0 rg BT 56.77 477.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 94.10 477.00 Td (of ) Tj ET Q q 0 0 0 rg BT 104.77 477.00 Td (trading ) Tj ET Q q 0 0 0 rg BT 135.43 477.00 Td (securities. ) Tj ET Q q 0 0 0 rg BT 178.03 477.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 224.80 477.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 264.90 477.00 Td (available ) Tj ET Q q 0 0 0 rg BT 303.32 477.00 Td (for ) Tj ET Q q 0 0 0 rg BT 317.32 477.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 335.20 477.00 Td (may ) Tj ET Q q 0 0 0 rg BT 354.75 477.00 Td (be ) Tj ET Q q 0 0 0 rg BT 366.53 477.00 Td (sold ) Tj ET Q q 0 0 0 rg BT 385.53 477.00 Td (in ) Tj ET Q q 0 0 0 rg BT 395.65 477.00 Td (response ) Tj ET Q q 0 0 0 rg BT 432.97 477.00 Td (to ) Tj ET Q q 0 0 0 rg BT 443.08 477.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 477.63 477.00 Td (in ) Tj ET Q q 0 0 0 rg BT 487.74 477.00 Td (market ) Tj ET Q q 0 0 0 rg BT 517.84 477.00 Td (conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.00 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 100.02 465.00 Td (risk, ) Tj ET Q q 0 0 0 rg BT 120.34 465.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 138.14 465.00 Td (fluctuations, ) Tj ET Q q 0 0 0 rg BT 190.67 465.00 Td (liquidity) Tj ET Q q 0 0 0 rg BT 223.91 465.00 Td (, ) Tj ET Q q 0 0 0 rg BT 229.23 465.00 Td (or ) Tj ET Q q 0 0 0 rg BT 240.38 465.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 269.84 465.00 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 327.36 465.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 374.61 465.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 415.20 465.00 Td (available ) Tj ET Q q 0 0 0 rg BT 454.10 465.00 Td (for ) Tj ET Q q 0 0 0 rg BT 468.58 465.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 486.94 465.00 Td (are ) Tj ET Q q 0 0 0 rg BT 501.97 465.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 538.10 465.00 Td (at ) Tj ET Q q 0 0 0 rg BT 548.13 465.00 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 453.00 Td (value, ) Tj ET Q q 0 0 0 rg BT 76.33 453.00 Td (with ) Tj ET Q q 0 0 0 rg BT 96.28 453.00 Td (any ) Tj ET Q q 0 0 0 rg BT 112.90 453.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 156.71 453.00 Td (gains ) Tj ET Q q 0 0 0 rg BT 179.99 453.00 Td (and ) Tj ET Q q 0 0 0 rg BT 196.61 453.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 222.67 453.00 Td (excluded ) Tj ET Q q 0 0 0 rg BT 260.94 453.00 Td (from ) Tj ET Q q 0 0 0 rg BT 282.55 453.00 Td (earnings ) Tj ET Q q 0 0 0 rg BT 318.60 453.00 Td (and ) Tj ET Q q 0 0 0 rg BT 335.22 453.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 370.71 453.00 Td (as ) Tj ET Q q 0 0 0 rg BT 381.21 453.00 Td (a ) Tj ET Q q 0 0 0 rg BT 387.82 453.00 Td (separate ) Tj ET Q q 0 0 0 rg BT 422.75 453.00 Td (component ) Tj ET Q q 0 0 0 rg BT 469.36 453.00 Td (of ) Tj ET Q q 0 0 0 rg BT 479.86 453.00 Td (shareholders) Tj ET Q q 0 0 0 rg BT 532.99 453.00 Td ( ) Tj ET Q q 0 0 0 rg BT 535.16 453.00 Td (equity) Tj ET Q q 0 0 0 rg BT 559.51 453.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 441.00 Td (net ) Tj ET Q q 0 0 0 rg BT 65.07 441.00 Td (of ) Tj ET Q q 0 0 0 rg BT 76.25 441.00 Td (tax, ) Tj ET Q q 0 0 0 rg BT 93.83 441.00 Td (until ) Tj ET Q q 0 0 0 rg BT 115.01 441.00 Td (realized. ) Tj ET Q q 0 0 0 rg BT 152.01 441.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 199.30 441.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 239.91 441.00 Td (held ) Tj ET Q q 0 0 0 rg BT 259.99 441.00 Td (to ) Tj ET Q q 0 0 0 rg BT 270.62 441.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 307.35 441.00 Td (are ) Tj ET Q q 0 0 0 rg BT 322.41 441.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 358.58 441.00 Td (at ) Tj ET Q q 0 0 0 rg BT 368.65 441.00 Td (amortized ) Tj ET Q q 0 0 0 rg BT 411.49 441.00 Td (cost. ) Tj ET Q q 0 0 0 rg BT 432.95 441.00 Td (Marketable ) Tj ET Q q 0 0 0 rg BT 481.34 441.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 509.19 441.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 549.80 441.00 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 429.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.82 429.00 Td (at ) Tj ET Q q 0 0 0 rg BT 95.53 429.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 111.91 429.00 Td (value, ) Tj ET Q q 0 0 0 rg BT 138.56 429.00 Td (with ) Tj ET Q q 0 0 0 rg BT 158.84 429.00 Td (any ) Tj ET Q q 0 0 0 rg BT 175.78 429.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 210.49 429.00 Td (in ) Tj ET Q q 0 0 0 rg BT 220.77 429.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 237.14 429.00 Td (value ) Tj ET Q q 0 0 0 rg BT 261.30 429.00 Td (recognized ) Tj ET Q q 0 0 0 rg BT 307.66 429.00 Td (in ) Tj ET Q q 0 0 0 rg BT 317.94 429.00 Td (earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 411.00 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 411.00 Td (amortized ) Tj ET Q q 0 0 0 rg BT 130.53 411.00 Td (cost ) Tj ET Q q 0 0 0 rg BT 149.14 411.00 Td (and ) Tj ET Q q 0 0 0 rg BT 166.07 411.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 182.45 411.00 Td (value ) Tj ET Q q 0 0 0 rg BT 206.61 411.00 Td (of ) Tj ET Q q 0 0 0 rg BT 217.44 411.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 263.82 411.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 304.08 411.00 Td (as ) Tj ET Q q 0 0 0 rg BT 314.91 411.00 Td (of ) Tj ET Q q 0 0 0 rg BT 325.74 411.00 Td (the ) Tj ET Q q 0 0 0 rg BT 340.46 411.00 Td (dates ) Tj ET Q q 0 0 0 rg BT 363.51 411.00 Td (indicated ) Tj ET Q q 0 0 0 rg BT 402.66 411.00 Td (are ) Tj ET Q q 0 0 0 rg BT 417.36 411.00 Td (presented ) Tj ET Q q 0 0 0 rg BT 458.18 411.00 Td (in ) Tj ET Q q 0 0 0 rg BT 468.46 411.00 Td (the ) Tj ET Q q 0 0 0 rg BT 483.17 411.00 Td (following ) Tj ET Q q 0 0 0 rg BT 524.56 411.00 Td (table:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 381.5 m 292.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 381.5 m 296.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 381.5 m 346.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 381.5 m 350.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 381.5 m 400.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 381.5 m 404.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 381.5 m 454.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 381.5 m 458.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 381.5 m 508.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 381.5 m 512.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 381.5 m 562.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 368.5 m 292.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 368.5 m 296.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 368.5 m 346.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 381.5 m 400.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 368.5 m 400.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 368.5 m 404.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 368.5 m 454.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 381.5 m 508.5 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 368.5 m 508.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 368.5 m 512.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 368.5 m 562.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 347.5 m 292.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 347.5 m 346.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 347.5 m 400.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 347.5 m 454.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 347.5 m 508.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 347.5 m 562.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 259.5 m 292.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 245.5 m 292.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 243.5 m 292.5 243.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 259.5 m 346.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 245.5 m 346.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 243.5 m 346.5 243.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 259.5 m 400.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 245.5 m 400.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 243.5 m 400.5 243.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 259.5 m 454.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 245.5 m 454.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 243.5 m 454.5 243.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 259.5 m 508.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 245.5 m 508.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 243.5 m 508.5 243.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 259.5 m 562.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 245.5 m 562.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 243.5 m 562.5 243.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 184.5 m 292.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 184.5 m 346.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 184.5 m 400.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 184.5 m 454.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 184.5 m 508.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 184.5 m 562.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 170.5 m 292.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 168.5 m 292.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 170.5 m 346.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 168.5 m 346.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 170.5 m 400.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 168.5 m 400.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 184.5 m 454.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 170.5 m 454.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 168.5 m 454.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 184.5 m 508.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 170.5 m 508.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 168.5 m 508.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 184.5 m 562.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 170.5 m 562.5 170.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 168.5 m 562.5 168.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.50 385.73 Td (At December) Tj ET Q q 0 0 0 rg BT 418.51 385.73 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.00 372.73 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 394.00 372.73 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.00 372.73 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.75 359.73 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.20 351.73 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.70 359.73 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.35 351.73 Td (V) Tj ET Q q 0 0 0 rg BT 316.39 351.73 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.75 359.73 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.20 351.73 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.70 359.73 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.35 351.73 Td (V) Tj ET Q q 0 0 0 rg BT 424.39 351.73 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.75 359.73 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.20 351.73 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.70 359.73 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.35 351.73 Td (V) Tj ET Q q 0 0 0 rg BT 532.39 351.73 Td (alue) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 377.65 338.73 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 324.17 Td (Marketable equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.50 324.07 Td (.............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 324.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.15 324.17 Td (2,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 324.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 324.17 Td (2,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 324.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.65 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 324.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 324.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 324.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 309.17 Td (Securities available for sale:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 294.17 Td (U.S. Government and agency obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.00 294.07 Td (......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 294.17 Td (83,815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 294.17 Td (82,136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 294.17 Td (73,024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 294.17 Td (72,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 294.17 Td (62,457) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 294.17 Td (62,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 279.17 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.50 279.07 Td (.........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.15 279.17 Td (4,023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 279.17 Td (4,007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 279.17 Td (1) Tj ET Q q 0 0 0 rg BT 374.15 279.17 Td (1,959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 279.17 Td (12,277) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 279.17 Td (14,495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 279.17 Td (14,763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 264.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 264.07 Td (.............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.15 264.17 Td (7,061) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 264.17 Td (7,01) Tj ET Q q 0 0 0 rg BT 337.65 264.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 264.17 Td (7,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 264.17 Td (7,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 264.17 Td (10,167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 264.17 Td (10,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 249.17 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 249.17 Td (otal securities available for sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.00 249.07 Td (..............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 249.17 Td (94,899) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 249.17 Td (93,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 249.17 Td (92,079) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 249.17 Td (92,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 249.17 Td (87,1) Tj ET Q q 0 0 0 rg BT 494.65 249.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 249.17 Td (87,751) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 234.17 Td (Securities held to maturity:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 219.17 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.50 219.07 Td (.........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 219.17 Td (20,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 219.17 Td (20,890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 219.17 Td (20,465) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 219.17 Td (21,717) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 219.17 Td (15,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 219.17 Td (15,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 204.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 204.07 Td (.............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.15 204.17 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 204.17 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 204.17 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 204.17 Td (995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 204.17 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 204.17 Td (977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 189.17 Td (Government mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.50 189.07 Td (.......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.65 189.17 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.65 189.17 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 189.17 Td (1) Tj ET Q q 0 0 0 rg BT 386.65 189.17 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 189.17 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 189.17 Td (149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 189.17 Td (164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 174.17 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 174.17 Td (otal securities held to maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.00 174.07 Td (................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 174.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 174.17 Td (21,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 174.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 174.17 Td (21,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 174.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 174.17 Td (21,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 174.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 174.17 Td (22,836) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 174.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 174.17 Td (16,859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 174.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 174.17 Td (16,851) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 152.00 Td (At ) Tj ET Q q 0 0 0 rg BT 82.55 152.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 141.19 152.00 Td (2018, ) Tj ET Q q 0 0 0 rg BT 166.24 152.00 Td (the ) Tj ET Q q 0 0 0 rg BT 181.01 152.00 Td (carrying ) Tj ET Q q 0 0 0 rg BT 216.88 152.00 Td (value ) Tj ET Q q 0 0 0 rg BT 241.09 152.00 Td (of ) Tj ET Q q 0 0 0 rg BT 251.97 152.00 Td (our ) Tj ET Q q 0 0 0 rg BT 267.85 152.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 314.29 152.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 354.60 152.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 392.15 152.00 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.92 152.00 Td ($1) Tj ET Q q 0 0 0 rg BT 431.55 152.00 Td (16.6 ) Tj ET Q q 0 0 0 rg BT 451.60 152.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.49 152.00 Td ( ) Tj ET Q q 0 0 0 rg BT 483.04 152.00 Td (and ) Tj ET Q q 0 0 0 rg BT 500.03 152.00 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.67 152.00 Td (6%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 140.00 Td (total ) Tj ET Q q 0 0 0 rg BT 81.28 140.00 Td (assets, ) Tj ET Q q 0 0 0 rg BT 109.69 140.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 151.71 140.00 Td (to ) Tj ET Q q 0 0 0 rg BT 162.07 140.00 Td ($1) Tj ET Q q 0 0 0 rg BT 171.70 140.00 Td (13.8million ) Tj ET Q q 0 0 0 rg BT 223.18 140.00 Td (and ) Tj ET Q q 0 0 0 rg BT 240.20 140.00 Td (6% ) Tj ET Q q 0 0 0 rg BT 256.12 140.00 Td (of ) Tj ET Q q 0 0 0 rg BT 267.04 140.00 Td (total ) Tj ET Q q 0 0 0 rg BT 287.40 140.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 313.31 140.00 Td (at ) Tj ET Q q 0 0 0 rg BT 323.12 140.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 381.79 140.00 Td (2017. ) Tj ET Q q 0 0 0 rg BT 406.69 140.00 Td (This ) Tj ET Q q 0 0 0 rg BT 427.05 140.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 462.40 140.00 Td (of ) Tj ET Q q 0 0 0 rg BT 473.31 140.00 Td ($2.8million ) Tj ET Q q 0 0 0 rg BT 524.79 140.00 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.00 Td (reflects ) Tj ET Q q 0 0 0 rg BT 81.92 128.00 Td (additional ) Tj ET Q q 0 0 0 rg BT 124.41 128.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 174.69 128.00 Td (in ) Tj ET Q q 0 0 0 rg BT 184.97 128.00 Td (line ) Tj ET Q q 0 0 0 rg BT 202.46 128.00 Td (with ) Tj ET Q q 0 0 0 rg BT 222.74 128.00 Td (our ) Tj ET Q q 0 0 0 rg BT 238.57 128.00 Td (overall ) Tj ET Q q 0 0 0 rg BT 268.83 128.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 301.87 128.00 Td (sheet ) Tj ET Q q 0 0 0 rg BT 324.91 128.00 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 110.00 Td (The ) Tj ET Q q 0 0 0 rg BT 88.98 110.00 Td (net ) Tj ET Q q 0 0 0 rg BT 104.62 110.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 149.69 110.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 168.69 110.00 Td (position ) Tj ET Q q 0 0 0 rg BT 204.34 110.00 Td (on ) Tj ET Q q 0 0 0 rg BT 217.77 110.00 Td (our ) Tj ET Q q 0 0 0 rg BT 234.53 110.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 281.85 110.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 320.27 110.00 Td (at ) Tj ET Q q 0 0 0 rg BT 330.92 110.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 390.43 110.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 413.86 110.00 Td (was ) Tj ET Q q 0 0 0 rg BT 432.84 110.00 Td ($1.2million ) Tj ET Q q 0 0 0 rg BT 485.17 110.00 Td (and ) Tj ET Q q 0 0 0 rg BT 503.03 110.00 Td (included ) Tj ET Q q 0 0 0 rg BT 540.90 110.00 Td (gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 95.65 98.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 123.55 98.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.88 98.00 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 157.39 98.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.28 98.00 Td (. ) Tj ET Q q 0 0 0 rg BT 192.50 98.00 Td (The ) Tj ET Q q 0 0 0 rg BT 212.06 98.00 Td (net ) Tj ET Q q 0 0 0 rg BT 228.28 98.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 273.93 98.00 Td (gain ) Tj ET Q q 0 0 0 rg BT 295.15 98.00 Td (position ) Tj ET Q q 0 0 0 rg BT 331.39 98.00 Td (on ) Tj ET Q q 0 0 0 rg BT 345.39 98.00 Td (our ) Tj ET Q q 0 0 0 rg BT 362.73 98.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 410.62 98.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 449.62 98.00 Td (at ) Tj ET Q q 0 0 0 rg BT 460.85 98.00 Td (December ) Tj ET Q q 0 0 0 rg BT 505.94 98.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 522.44 98.00 Td (2017 ) Tj ET Q q 0 0 0 rg BT 546.45 98.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.00 Td ($1.4million ) Tj ET Q q 0 0 0 rg BT 101.22 86.00 Td (and ) Tj ET Q q 0 0 0 rg BT 117.98 86.00 Td (included ) Tj ET Q q 0 0 0 rg BT 154.74 86.00 Td (gross ) Tj ET Q q 0 0 0 rg BT 178.17 86.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 222.14 86.00 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.35 86.00 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 268.18 86.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.07 86.00 Td (. ) Tj ET Q q 0 0 0 rg BT 301.73 86.00 Td (The ) Tj ET Q q 0 0 0 rg BT 319.60 86.00 Td (gross ) Tj ET Q q 0 0 0 rg BT 343.04 86.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 387.00 86.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 413.22 86.00 Td (at ) Tj ET Q q 0 0 0 rg BT 422.76 86.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 481.17 86.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 503.49 86.00 Td (and ) Tj ET Q q 0 0 0 rg BT 520.25 86.00 Td (2017 ) Tj ET Q q 0 0 0 rg BT 542.58 86.00 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.00 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 103.33 74.00 Td (in ) Tj ET Q q 0 0 0 rg BT 113.35 74.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 133.39 74.00 Td (Government ) Tj ET Q q 0 0 0 rg BT 185.62 74.00 Td (and ) Tj ET Q q 0 0 0 rg BT 202.31 74.00 Td (agency ) Tj ET Q q 0 0 0 rg BT 232.87 74.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 279.56 74.00 Td (and ) Tj ET Q q 0 0 0 rg BT 296.25 74.00 Td (state ) Tj ET Q q 0 0 0 rg BT 316.82 74.00 Td (agency ) Tj ET Q q 0 0 0 rg BT 347.39 74.00 Td (and ) Tj ET Q q 0 0 0 rg BT 364.07 74.00 Td (municipal ) Tj ET Q q 0 0 0 rg BT 406.31 74.00 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 455.01 74.00 Td (At ) Tj ET Q q 0 0 0 rg BT 467.26 74.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 525.59 74.00 Td (2018, ) Tj ET Q q 0 0 0 rg BT 550.34 74.00 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.00 Td (determined ) Tj ET Q q 0 0 0 rg BT 97.38 62.00 Td (that ) Tj ET Q q 0 0 0 rg BT 114.77 62.00 Td (there ) Tj ET Q q 0 0 0 rg BT 137.15 62.00 Td (had ) Tj ET Q q 0 0 0 rg BT 153.99 62.00 Td (been ) Tj ET Q q 0 0 0 rg BT 175.26 62.00 Td (no ) Tj ET Q q 0 0 0 rg BT 187.66 62.00 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 241.14 62.00 Td (in ) Tj ET Q q 0 0 0 rg BT 251.32 62.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 276.48 62.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 306.65 62.00 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 353.48 62.00 Td (to ) Tj ET Q q 0 0 0 rg BT 363.66 62.00 Td (purchase ) Tj ET Q q 0 0 0 rg BT 401.59 62.00 Td (and ) Tj ET Q q 0 0 0 rg BT 418.42 62.00 Td (believe ) Tj ET Q q 0 0 0 rg BT 449.69 62.00 Td (that ) Tj ET Q q 0 0 0 rg BT 467.08 62.00 Td (all ) Tj ET Q q 0 0 0 rg BT 479.48 62.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 523.51 62.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 549.80 62.00 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 50.00 Td (temporary) Tj ET Q q 0 0 0 rg BT 90.44 50.00 Td (. ) Tj ET Q q 0 0 0 rg BT 94.89 50.00 Td (All ) Tj ET Q q 0 0 0 rg BT 110.17 50.00 Td (of ) Tj ET Q q 0 0 0 rg BT 121.00 50.00 Td (our ) Tj ET Q q 0 0 0 rg BT 136.83 50.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 183.21 50.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 223.48 50.00 Td (are ) Tj ET Q q 0 0 0 rg BT 238.18 50.00 Td (rated ) Tj ET Q q 0 0 0 rg BT 260.67 50.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 307.05 50.00 Td (grade ) Tj ET Q q 0 0 0 rg BT 331.76 50.00 Td (or ) Tj ET Q q 0 0 0 rg BT 342.59 50.00 Td (deemed ) Tj ET Q q 0 0 0 rg BT 376.18 50.00 Td (to ) Tj ET Q q 0 0 0 rg BT 386.46 50.00 Td (be ) Tj ET Q q 0 0 0 rg BT 398.40 50.00 Td (of ) Tj ET Q q 0 0 0 rg BT 409.23 50.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 455.61 50.00 Td (grade ) Tj ET Q q 0 0 0 rg BT 480.32 50.00 Td (quality) Tj ET Q q 0 0 0 rg BT 507.44 50.00 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 (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.74 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 130.82 742.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 157.33 742.10 Td (summarize ) Tj ET Q q 0 0 0 rg BT 204.39 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.80 742.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 262.97 742.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 282.27 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.90 742.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 339.75 742.10 Td (average ) Tj ET Q q 0 0 0 rg BT 374.02 742.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 397.21 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.73 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 449.69 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.65 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 477.18 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 524.25 742.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 86.98 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 97.29 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.60 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 165.67 730.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 187.65 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.07 730.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 228.55 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 253.30 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.28 730.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 307.80 730.10 Td (period ) Tj ET Q q 0 0 0 rg BT 335.33 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.09 730.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 391.49 730.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 424.72 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 429.21 730.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 478.95 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.59 730.10 Td (mortgage-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.26 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 99.43 718.10 Td (based ) Tj ET Q q 0 0 0 rg BT 124.70 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 137.20 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.92 718.10 Td (final ) Tj ET Q q 0 0 0 rg BT 172.74 718.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 219.66 718.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 256.04 718.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 279.09 718.10 Td (without ) Tj ET Q q 0 0 0 rg BT 312.15 718.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 361.30 718.10 Td (repayments ) Tj ET Q q 0 0 0 rg BT 409.90 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.84 718.10 Td (prepayments.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 688.6 m 219.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 688.6 m 223.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 688.6 m 268.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 688.6 m 317.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 688.6 m 321.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 688.6 m 366.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 688.6 m 415.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 688.6 m 419.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 688.6 m 464.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 688.6 m 513.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 688.6 m 517.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 688.6 m 562.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 667.6 m 219.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 667.6 m 268.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 667.6 m 317.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 667.6 m 366.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 667.6 m 415.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 667.6 m 464.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 667.6 m 513.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 667.6 m 562.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 566.6 m 268.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 566.6 m 366.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 566.6 m 464.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 566.6 m 513.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 566.6 m 562.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 566.6 m 219.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 544.6 m 219.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 542.6 m 219.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 544.6 m 268.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 542.6 m 268.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 566.6 m 317.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 544.6 m 317.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 542.6 m 317.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 544.6 m 366.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 542.6 m 366.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 566.6 m 415.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 544.6 m 415.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 542.6 m 415.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 544.6 m 464.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 542.6 m 464.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 544.6 m 513.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 542.6 m 513.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 544.6 m 562.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 542.6 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 174.5 469.6 m 219.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 469.6 m 268.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 469.6 m 317.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 469.6 m 366.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 469.6 m 415.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 469.6 m 464.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 469.6 m 513.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 469.6 m 562.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 447.6 m 219.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 445.6 m 219.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 447.6 m 268.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 445.6 m 268.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 469.6 m 317.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 447.6 m 317.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 445.6 m 317.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 447.6 m 366.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 445.6 m 366.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 469.6 m 415.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 447.6 m 415.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 445.6 m 415.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 447.6 m 464.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 445.6 m 464.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 447.6 m 513.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 445.6 m 513.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 447.6 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 517.5 445.6 m 562.5 445.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 189.45 692.83 Td (Due ) Tj ET Q q 0 0 0 rg BT 205.16 692.83 Td (W) Tj ET Q q 0 0 0 rg BT 213.01 692.83 Td (ithin 1 ) Tj ET Q q 0 0 0 rg BT 236.80 692.83 Td (Y) Tj ET Q q 0 0 0 rg BT 241.98 692.83 Td (ear) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.70 692.83 Td (Due 15 ) Tj ET Q q 0 0 0 rg BT 324.33 692.83 Td (Y) Tj ET Q q 0 0 0 rg BT 329.51 692.83 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 390.70 692.83 Td (Due 510 ) Tj ET Q q 0 0 0 rg BT 424.33 692.83 Td (Y) Tj ET Q q 0 0 0 rg BT 429.51 692.83 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.85 692.83 Td (Due ) Tj ET Q q 0 0 0 rg BT 498.41 692.83 Td (After) Tj ET Q q 0 0 0 rg BT 516.32 692.83 Td ( 10 ) Tj ET Q q 0 0 0 rg BT 528.10 692.83 Td (Y) Tj ET Q q 0 0 0 rg BT 533.29 692.83 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 671.83 Td (At December) Tj ET Q q 0 0 0 rg BT 97.94 671.83 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.25 679.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 188.70 671.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.50 671.83 Td (Y) Tj ET Q q 0 0 0 rg BT 242.13 671.83 Td (ield) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.25 679.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.70 671.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.50 671.83 Td (Y) Tj ET Q q 0 0 0 rg BT 340.13 671.83 Td (ield) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.25 679.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.70 671.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.50 671.83 Td (Y) Tj ET Q q 0 0 0 rg BT 438.13 671.83 Td (ield) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 679.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.70 671.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 530.50 671.83 Td (Y) Tj ET Q q 0 0 0 rg BT 535.98 671.83 Td (ield) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 330.40 658.83 Td (\(Dollars In thousands\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 645.06 Td (Marketable equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 155.25 644.86 Td (.......) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 645.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 645.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 645.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 645.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 645.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 645.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 645.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 645.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 645.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 645.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 645.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 645.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 645.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 645.06 Td (2,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 645.06 Td (2.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 645.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 631.06 Td (Securities available for sale:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 617.06 Td (U.S. Government and agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 608.06 Td (obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 607.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.75 608.06 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 608.06 Td (1.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 608.06 Td (12,025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 608.06 Td (1.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.50 608.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 608.06 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 608.06 Td (70,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 608.06 Td (2.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 594.06 Td (State agency and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 585.06 Td (obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 584.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 585.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 585.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 585.06 Td (2,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 585.06 Td (2.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 585.06 Td (1,261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 585.06 Td (3.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 585.06 Td (528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 585.06 Td (2.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 571.06 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 119.25 570.86 Td (.......................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 571.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 571.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 571.06 Td (7,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 571.06 Td (2.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 571.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 571.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 571.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 571.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 557.06 Td (T) Tj ET Q q 0 0 0 rg BT 76.18 557.06 Td (otal securities available) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 548.06 Td (for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 547.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 548.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.75 548.06 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 548.06 Td (1.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 548.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 548.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 548.06 Td (21,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 548.06 Td (2.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 548.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 548.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 548.06 Td (1,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 548.06 Td (3.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 548.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 548.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 548.06 Td (71,218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 548.06 Td (2.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 548.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 534.06 Td (Securities held to maturity:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 520.06 Td (State agency and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 511.06 Td (obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 510.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.75 511.06 Td (3,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 511.06 Td (4.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 511.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 511.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 511.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 511.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 511.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 511.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 511.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 511.06 Td (16,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 511.06 Td (5.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 511.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 497.06 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 119.25 496.86 Td (.......................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.75 497.06 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 497.06 Td (2.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 483.06 Td (Government mortgage-backed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 474.06 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 94.50 473.86 Td (..................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 474.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 474.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 474.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 474.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 474.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 474.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 474.06 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 474.06 Td (5.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 460.06 Td (T) Tj ET Q q 0 0 0 rg BT 75.87 460.06 Td (otal securities held to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 451.06 Td (maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 450.86 Td (..............................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 451.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.75 451.06 Td (4,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 451.06 Td (3.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 451.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 451.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 451.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 451.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 451.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 451.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 451.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 451.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 451.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 451.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 451.06 Td (16,527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 451.06 Td (5.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 451.06 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 417.6 m 219.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 417.6 m 223.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 417.6 m 268.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 417.6 m 272.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 417.6 m 317.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 417.6 m 321.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 417.6 m 366.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 417.6 m 370.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 417.6 m 415.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 417.6 m 419.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 417.6 m 464.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 417.6 m 468.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 417.6 m 513.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 417.6 m 517.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 417.6 m 562.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 396.6 m 219.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 396.6 m 223.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 417.6 m 268.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 396.6 m 268.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 396.6 m 272.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 396.6 m 317.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 396.6 m 321.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 417.6 m 366.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 396.6 m 366.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 396.6 m 370.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 396.6 m 415.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 396.6 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 419.5 417.6 m 464.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 396.6 m 464.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 396.6 m 468.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 396.6 m 513.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 396.6 m 517.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 417.6 m 562.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 396.6 m 562.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 309.6 m 219.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 287.6 m 219.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 285.6 m 219.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 309.6 m 268.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 287.6 m 268.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 285.6 m 268.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 309.6 m 317.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 287.6 m 317.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 285.6 m 317.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 309.6 m 366.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 287.6 m 366.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 285.6 m 366.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 309.6 m 415.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 287.6 m 415.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 285.6 m 415.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 309.6 m 464.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 287.6 m 464.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 285.6 m 464.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 309.6 m 513.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 287.6 m 513.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 285.6 m 513.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 309.6 m 562.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 287.6 m 562.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 285.6 m 562.5 285.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 212.60000000000002 m 219.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 212.60000000000002 m 268.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 212.60000000000002 m 317.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 212.60000000000002 m 366.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 212.60000000000002 m 415.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 212.60000000000002 m 464.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 212.60000000000002 m 513.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 212.60000000000002 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 174.5 190.60000000000002 m 219.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 188.60000000000002 m 219.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 190.60000000000002 m 268.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 188.60000000000002 m 268.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 190.60000000000002 m 317.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 188.60000000000002 m 317.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 190.60000000000002 m 366.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 188.60000000000002 m 366.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 190.60000000000002 m 415.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 188.60000000000002 m 415.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 190.60000000000002 m 464.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 188.60000000000002 m 464.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 190.60000000000002 m 513.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 188.60000000000002 m 513.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 190.60000000000002 m 562.5 190.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 188.60000000000002 m 562.5 188.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 189.45 421.83 Td (Due ) Tj ET Q q 0 0 0 rg BT 205.16 421.83 Td (W) Tj ET Q q 0 0 0 rg BT 213.01 421.83 Td (ithin 1 ) Tj ET Q q 0 0 0 rg BT 236.80 421.83 Td (Y) Tj ET Q q 0 0 0 rg BT 241.98 421.83 Td (ear) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.70 421.83 Td (Due 15 ) Tj ET Q q 0 0 0 rg BT 324.33 421.83 Td (Y) Tj ET Q q 0 0 0 rg BT 329.51 421.83 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 390.70 421.83 Td (Due 510 ) Tj ET Q q 0 0 0 rg BT 424.33 421.83 Td (Y) Tj ET Q q 0 0 0 rg BT 429.51 421.83 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.85 421.83 Td (Due ) Tj ET Q q 0 0 0 rg BT 498.41 421.83 Td (After) Tj ET Q q 0 0 0 rg BT 516.32 421.83 Td ( 10 ) Tj ET Q q 0 0 0 rg BT 528.10 421.83 Td (Y) Tj ET Q q 0 0 0 rg BT 533.29 421.83 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 400.83 Td (At December) Tj ET Q q 0 0 0 rg BT 97.94 400.83 Td (31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.25 408.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 188.70 400.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.50 400.83 Td (Y) Tj ET Q q 0 0 0 rg BT 242.13 400.83 Td (ield) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.25 408.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.70 400.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.50 400.83 Td (Y) Tj ET Q q 0 0 0 rg BT 340.13 400.83 Td (ield) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.25 408.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.70 400.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.50 400.83 Td (Y) Tj ET Q q 0 0 0 rg BT 438.13 400.83 Td (ield) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 408.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.70 400.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 530.50 400.83 Td (Y) Tj ET Q q 0 0 0 rg BT 535.98 400.83 Td (ield) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 330.40 387.83 Td (\(Dollars In thousands\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 374.06 Td (Securities available for sale:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 360.06 Td (U.S. Government and agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 351.06 Td (obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 350.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 351.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 351.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.50 351.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 351.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 351.06 Td (13,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 351.06 Td (1.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 351.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 351.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.50 351.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 351.06 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 351.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 351.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 351.06 Td (59,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 351.06 Td (2.48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 351.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 337.06 Td (State agency and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 328.06 Td (obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 327.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 328.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 328.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 328.06 Td (2,873) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 328.06 Td (2.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 328.06 Td (7,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 328.06 Td (3.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 328.06 Td (1,700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 328.06 Td (3.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 314.06 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 119.25 313.86 Td (.......................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 314.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 314.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 314.06 Td (7,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 314.06 Td (2.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 314.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 314.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 314.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 314.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 300.06 Td (T) Tj ET Q q 0 0 0 rg BT 76.18 300.06 Td (otal securities available) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 291.06 Td (for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 290.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 291.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 291.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.50 291.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 291.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 291.06 Td (22,969) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 291.06 Td (2.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 291.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 291.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 291.06 Td (7,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 291.06 Td (3.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 291.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 291.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 291.06 Td (61,624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 291.06 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 291.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 277.06 Td (Securities held to maturity:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 263.06 Td (State agency and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 254.06 Td (obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 99.00 253.86 Td (................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 202.50 254.06 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 254.06 Td (4.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 254.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 254.06 Td (3,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 254.06 Td (4.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 254.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 254.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 254.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 254.06 Td (16,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 254.06 Td (5.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 254.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 240.06 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 119.25 239.86 Td (.......................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 240.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 240.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 240.06 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 240.06 Td (2.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 240.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 240.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 240.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 240.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 226.06 Td (Government mortgage-backed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 217.06 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 94.50 216.86 Td (..................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 217.06 Td (1) Tj ET Q q 0 0 0 rg BT 501.00 217.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 217.06 Td (5.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 203.06 Td (T) Tj ET Q q 0 0 0 rg BT 75.87 203.06 Td (otal securities held to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 194.06 Td (maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 193.86 Td (..............................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 194.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 202.50 194.06 Td (198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 194.06 Td (4.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 194.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 194.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 194.06 Td (4,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 194.06 Td (3.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 194.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 194.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 194.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 194.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 194.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 194.06 Td (16,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 194.06 Td (5.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 194.06 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (Bank Owned Life Insurance or) Tj ET Q q 0 0 0 rg BT 182.61 172.10 Td ( BOLI) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 154.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 96.52 154.10 Td (amounted ) Tj ET Q q 0 0 0 rg BT 139.15 154.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.13 154.10 Td ($40.7 ) Tj ET Q q 0 0 0 rg BT 175.82 154.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.71 154.10 Td (as ) Tj ET Q q 0 0 0 rg BT 218.74 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.26 154.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 289.54 154.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 315.01 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 333.75 154.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 372.48 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.00 154.10 Td (life ) Tj ET Q q 0 0 0 rg BT 400.52 154.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 442.03 154.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 476.33 154.10 Td (results ) Tj ET Q q 0 0 0 rg BT 505.64 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.61 154.10 Td (an ) Tj ET Q q 0 0 0 rg BT 529.24 154.10 Td (income-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 82.27 142.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 103.99 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 116.27 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 131.88 142.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 184.71 142.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 217.52 142.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 240.35 142.10 Td (that ) Tj ET Q q 0 0 0 rg BT 257.63 142.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 294.35 142.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 329.97 142.10 Td (tax-free ) Tj ET Q q 0 0 0 rg BT 363.34 142.10 Td (income ) Tj ET Q q 0 0 0 rg BT 395.05 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.11 142.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 418.62 142.10 Td (W) Tj ET Q q 0 0 0 rg BT 427.26 142.10 Td (e ) Tj ET Q q 0 0 0 rg BT 433.98 142.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 462.36 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 472.42 142.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 502.47 142.10 Td (from ) Tj ET Q q 0 0 0 rg BT 524.19 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.69 142.10 Td (BOLI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 88.43 130.10 Td (as ) Tj ET Q q 0 0 0 rg BT 99.10 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 105.87 130.10 Td (result ) Tj ET Q q 0 0 0 rg BT 130.42 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.09 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.64 130.10 Td (tax-free ) Tj ET Q q 0 0 0 rg BT 189.06 130.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 219.73 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.85 130.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 249.95 130.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 290.05 130.10 Td (value ) Tj ET Q q 0 0 0 rg BT 314.04 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.81 130.10 Td (death ) Tj ET Q q 0 0 0 rg BT 354.80 130.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 388.80 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 406.13 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 420.67 130.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 458.54 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.65 130.10 Td (be ) Tj ET Q q 0 0 0 rg BT 480.43 130.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 521.63 130.10 Td (over ) Tj ET Q q 0 0 0 rg BT 541.73 130.10 Td (time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 75.29 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 83.91 118.10 Td (included ) Tj ET Q q 0 0 0 rg BT 120.30 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.04 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 145.33 118.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 200.06 118.10 Td (Balance ) Tj ET Q q 0 0 0 rg BT 234.22 118.10 Td (Sheets ) Tj ET Q q 0 0 0 rg BT 262.28 118.10 Td (at ) Tj ET Q q 0 0 0 rg BT 271.46 118.10 Td (its ) Tj ET Q q 0 0 0 rg BT 282.86 118.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 302.59 118.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 342.30 118.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 368.42 118.10 Td (Increases ) Tj ET Q q 0 0 0 rg BT 407.57 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.30 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.48 118.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 451.20 118.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 490.92 118.10 Td (value ) Tj ET Q q 0 0 0 rg BT 514.53 118.10 Td (are ) Tj ET Q q 0 0 0 rg BT 528.70 118.10 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.77 106.10 Td (component ) Tj ET Q q 0 0 0 rg BT 114.70 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.53 106.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 172.47 106.10 Td (income ) Tj ET Q q 0 0 0 rg BT 204.40 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 214.68 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 230.51 106.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 285.78 106.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 332.16 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.99 106.10 Td (Income.) 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 (51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 84.17 742.25 Td (Activities and Other) Tj ET Q q 0 0 0 rg BT 170.64 742.25 Td ( Sour) Tj ET Q q 0 0 0 rg BT 193.53 742.25 Td (ces of Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 88.19 724.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 120.83 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 131.80 724.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 156.66 724.25 Td (include ) Tj ET Q q 0 0 0 rg BT 188.74 724.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 226.66 724.25 Td (brokered ) Tj ET Q q 0 0 0 rg BT 264.83 724.25 Td (certificates ) Tj ET Q q 0 0 0 rg BT 311.33 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 322.30 724.25 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 356.33 724.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 384.54 724.25 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 435.23 724.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 489.53 724.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 509.38 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 526.46 724.25 Td (proceeds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.94 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 86.66 712.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 111.09 712.25 Td (maturities ) Tj ET Q q 0 0 0 rg BT 153.58 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 170.52 712.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 211.35 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 222.18 712.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 245.79 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.72 712.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 309.11 712.25 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 694.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 93.29 694.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 128.95 694.25 Td (represented ) Tj ET Q q 0 0 0 rg BT 177.91 694.25 Td (80% ) Tj ET Q q 0 0 0 rg BT 199.13 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.34 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 226.55 694.25 Td (total ) Tj ET Q q 0 0 0 rg BT 247.21 694.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 273.42 694.25 Td (at ) Tj ET Q q 0 0 0 rg BT 283.52 694.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 342.49 694.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 367.66 694.25 Td (While ) Tj ET Q q 0 0 0 rg BT 394.98 694.25 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 437.84 694.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 457.94 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.26 694.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 515.91 694.25 Td (repayments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.35 682.25 Td (a ) Tj ET Q q 0 0 0 rg BT 70.93 682.25 Td (relatively ) Tj ET Q q 0 0 0 rg BT 110.83 682.25 Td (stable ) Tj ET Q q 0 0 0 rg BT 136.30 682.25 Td (source ) Tj ET Q q 0 0 0 rg BT 164.54 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 175.01 682.25 Td (funds, ) Tj ET Q q 0 0 0 rg BT 201.88 682.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 221.24 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.82 682.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 283.84 682.25 Td (security ) Tj ET Q q 0 0 0 rg BT 317.64 682.25 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 370.88 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 387.46 682.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 418.49 682.25 Td (inflows ) Tj ET Q q 0 0 0 rg BT 450.63 682.25 Td (are ) Tj ET Q q 0 0 0 rg BT 464.98 682.25 Td (influenced ) Tj ET Q q 0 0 0 rg BT 509.32 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 521.47 682.25 Td (prevailing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 670.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 103.31 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.25 670.25 Td (local ) Tj ET Q q 0 0 0 rg BT 142.18 670.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 183.55 670.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 227.72 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.66 670.25 Td (are ) Tj ET Q q 0 0 0 rg BT 259.37 670.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 302.41 670.25 Td (uncertain.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 634.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 634.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.30 634.25 Td (of) Tj ET Q q 0 0 0 rg BT 93.45 634.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 106.78 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 113.44 634.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 135.10 634.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 165.09 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 175.65 634.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 206.76 634.25 Td (products ) Tj ET Q q 0 0 0 rg BT 243.42 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.09 634.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 281.19 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 291.20 634.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 332.30 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 348.96 634.25 Td (business ) Tj ET Q q 0 0 0 rg BT 385.08 634.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 427.85 634.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 470.07 634.25 Td (with ) Tj ET Q q 0 0 0 rg BT 490.08 634.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 515.08 634.25 Td (regulations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.76 622.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 98.28 622.25 Td (committee ) Tj ET Q q 0 0 0 rg BT 142.69 622.25 Td (meets ) Tj ET Q q 0 0 0 rg BT 168.22 622.25 Td (regularly ) Tj ET Q q 0 0 0 rg BT 206.52 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 216.50 622.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 258.69 622.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 289.22 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.86 622.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 348.60 622.25 Td (initiatives. ) Tj ET Q q 0 0 0 rg BT 392.75 622.25 Td (In ) Tj ET Q q 0 0 0 rg BT 403.28 622.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 438.26 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.24 622.25 Td (being ) Tj ET Q q 0 0 0 rg BT 472.66 622.25 Td (an ) Tj ET Q q 0 0 0 rg BT 484.30 622.25 Td (important ) Tj ET Q q 0 0 0 rg BT 525.39 622.25 Td (source ) Tj ET Q q 0 0 0 rg BT 553.69 622.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 83.61 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 97.77 610.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 111.66 610.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 146.94 610.25 Td (also ) Tj ET Q q 0 0 0 rg BT 165.55 610.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 198.59 610.25 Td (an ) Tj ET Q q 0 0 0 rg BT 210.53 610.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 245.81 610.25 Td (stream ) Tj ET Q q 0 0 0 rg BT 274.97 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 285.80 610.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 300.50 610.25 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 592.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 592.25 Td (e ) Tj ET Q q 0 0 0 rg BT 84.72 592.25 Td (participate ) Tj ET Q q 0 0 0 rg BT 128.55 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 137.97 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.83 592.25 Td (Certificate ) Tj ET Q q 0 0 0 rg BT 195.66 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.63 592.25 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 238.02 592.25 Td (Account ) Tj ET Q q 0 0 0 rg BT 273.54 592.25 Td (Registry ) Tj ET Q q 0 0 0 rg BT 309.06 592.25 Td (Service, ) Tj ET Q q 0 0 0 rg BT 343.19 592.25 Td (or ) Tj ET Q q 0 0 0 rg BT 353.16 592.25 Td (CDARS, ) Tj ET Q q 0 0 0 rg BT 390.64 592.25 Td (program. ) Tj ET Q q 0 0 0 rg BT 428.54 592.25 Td (W) Tj ET Q q 0 0 0 rg BT 437.18 592.25 Td (e ) Tj ET Q q 0 0 0 rg BT 443.26 592.25 Td (use ) Tj ET Q q 0 0 0 rg BT 458.23 592.25 Td (CDARS ) Tj ET Q q 0 0 0 rg BT 493.21 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 502.63 592.25 Td (place ) Tj ET Q q 0 0 0 rg BT 525.36 592.25 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 75.15 580.25 Td (into ) Tj ET Q q 0 0 0 rg BT 93.63 580.25 Td (certificate ) Tj ET Q q 0 0 0 rg BT 136.52 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.77 580.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 179.58 580.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 217.50 580.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 245.42 580.25 Td (by ) Tj ET Q q 0 0 0 rg BT 258.34 580.25 Td (other ) Tj ET Q q 0 0 0 rg BT 281.82 580.25 Td (participating ) Tj ET Q q 0 0 0 rg BT 335.28 580.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 363.82 580.25 Td (These ) Tj ET Q q 0 0 0 rg BT 390.62 580.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 441.31 580.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 466.44 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 477.15 580.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 513.96 580.25 Td (that ) Tj ET Q q 0 0 0 rg BT 531.88 580.25 Td (are ) Tj ET Q q 0 0 0 rg BT 547.01 580.25 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (than ) Tj ET Q q 0 0 0 rg BT 69.70 568.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 94.96 568.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 135.76 568.25 Td (limits ) Tj ET Q q 0 0 0 rg BT 161.02 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 171.28 568.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 199.86 568.25 Td (that ) Tj ET Q q 0 0 0 rg BT 217.33 568.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 248.70 568.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 291.73 568.25 Td (are ) Tj ET Q q 0 0 0 rg BT 306.42 568.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 338.89 568.25 Td (for ) Tj ET Q q 0 0 0 rg BT 353.03 568.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 378.29 568.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 419.09 568.25 Td (on ) Tj ET Q q 0 0 0 rg BT 431.57 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 446.26 568.25 Td (full ) Tj ET Q q 0 0 0 rg BT 462.63 568.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 495.11 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 505.92 568.25 Td (their ) Tj ET Q q 0 0 0 rg BT 526.72 568.25 Td (deposits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (Reciprocal ) Tj ET Q q 0 0 0 rg BT 96.15 556.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 132.87 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 144.04 556.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 179.65 556.25 Td (are ) Tj ET Q q 0 0 0 rg BT 194.69 556.25 Td (received ) Tj ET Q q 0 0 0 rg BT 231.39 556.25 Td (from ) Tj ET Q q 0 0 0 rg BT 253.67 556.25 Td (other ) Tj ET Q q 0 0 0 rg BT 277.05 556.25 Td (participating ) Tj ET Q q 0 0 0 rg BT 330.42 556.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 356.59 556.25 Td (that ) Tj ET Q q 0 0 0 rg BT 374.42 556.25 Td (do ) Tj ET Q q 0 0 0 rg BT 387.25 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 402.31 556.25 Td (same ) Tj ET Q q 0 0 0 rg BT 425.69 556.25 Td (with ) Tj ET Q q 0 0 0 rg BT 446.30 556.25 Td (their ) Tj ET Q q 0 0 0 rg BT 467.46 556.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 506.96 556.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 545.07 556.25 Td (and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (we ) Tj ET Q q 0 0 0 rg BT 63.81 544.25 Td (also ) Tj ET Q q 0 0 0 rg BT 82.07 544.25 Td (execute ) Tj ET Q q 0 0 0 rg BT 114.76 544.25 Td (one-way ) Tj ET Q q 0 0 0 rg BT 151.34 544.25 Td (buy ) Tj ET Q q 0 0 0 rg BT 168.49 544.25 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 220.91 544.25 Td (CDARS ) Tj ET Q q 0 0 0 rg BT 256.40 544.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 291.33 544.25 Td (are ) Tj ET Q q 0 0 0 rg BT 305.69 544.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 351.16 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 361.09 544.25 Td (be ) Tj ET Q q 0 0 0 rg BT 372.68 544.25 Td (brokered ) Tj ET Q q 0 0 0 rg BT 410.37 544.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 445.30 544.25 Td (for ) Tj ET Q q 0 0 0 rg BT 459.12 544.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 480.71 544.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 523.95 544.25 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 526.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 526.25 Td (ime ) Tj ET Q q 0 0 0 rg BT 93.98 526.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 130.00 526.25 Td (may ) Tj ET Q q 0 0 0 rg BT 150.44 526.25 Td (also ) Tj ET Q q 0 0 0 rg BT 169.79 526.25 Td (be ) Tj ET Q q 0 0 0 rg BT 182.46 526.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 224.55 526.25 Td (through ) Tj ET Q q 0 0 0 rg BT 258.89 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.34 526.25 Td (use ) Tj ET Q q 0 0 0 rg BT 290.90 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.47 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 310.14 526.25 Td (listing ) Tj ET Q q 0 0 0 rg BT 338.37 526.25 Td (service. ) Tj ET Q q 0 0 0 rg BT 372.19 526.25 Td (W) Tj ET Q q 0 0 0 rg BT 380.83 526.25 Td (e ) Tj ET Q q 0 0 0 rg BT 388.50 526.25 Td (subscribe ) Tj ET Q q 0 0 0 rg BT 429.50 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 440.51 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 448.18 526.25 Td (listing ) Tj ET Q q 0 0 0 rg BT 476.42 526.25 Td (service, ) Tj ET Q q 0 0 0 rg BT 510.46 526.25 Td (accessible ) 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 (financial ) Tj ET Q q 0 0 0 rg BT 87.26 514.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 136.49 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 146.55 514.25 Td (which ) Tj ET Q q 0 0 0 rg BT 173.26 514.25 Td (we ) Tj ET Q q 0 0 0 rg BT 187.20 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 206.69 514.25 Td (advertise ) Tj ET Q q 0 0 0 rg BT 245.07 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 260.67 514.25 Td (time ) Tj ET Q q 0 0 0 rg BT 280.73 514.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 311.89 514.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 333.04 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 343.10 514.25 Td (exchange ) Tj ET Q q 0 0 0 rg BT 383.13 514.25 Td (for ) Tj ET Q q 0 0 0 rg BT 397.07 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 403.79 514.25 Td (set ) Tj ET Q q 0 0 0 rg BT 417.17 514.25 Td (subscription ) Tj ET Q q 0 0 0 rg BT 468.34 514.25 Td (fee. ) Tj ET Q q 0 0 0 rg BT 485.32 514.25 Td (Interested ) Tj ET Q q 0 0 0 rg BT 527.02 514.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 97.08 502.25 Td (then ) Tj ET Q q 0 0 0 rg BT 116.93 502.25 Td (contact ) Tj ET Q q 0 0 0 rg BT 148.44 502.25 Td (us ) Tj ET Q q 0 0 0 rg BT 159.96 502.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 193.13 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 203.54 502.25 Td (acquire ) Tj ET Q q 0 0 0 rg BT 235.60 502.25 Td (a ) Tj ET Q q 0 0 0 rg BT 242.67 502.25 Td (time ) Tj ET Q q 0 0 0 rg BT 263.08 502.25 Td (certificate ) Tj ET Q q 0 0 0 rg BT 305.67 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.64 502.25 Td (deposit. ) Tj ET Q q 0 0 0 rg BT 350.46 502.25 Td (There ) Tj ET Q q 0 0 0 rg BT 376.41 502.25 Td (is ) Tj ET Q q 0 0 0 rg BT 385.71 502.25 Td (no ) Tj ET Q q 0 0 0 rg BT 398.34 502.25 Td (third ) Tj ET Q q 0 0 0 rg BT 419.86 502.25 Td (party ) Tj ET Q q 0 0 0 rg BT 443.04 502.25 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 485.65 502.25 Td (service ) Tj ET Q q 0 0 0 rg BT 516.60 502.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 554.22 502.25 Td (in ) 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 66.95 490.25 Td (transaction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 472.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 472.25 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 472.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 168.87 472.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 190.81 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 205.52 472.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 257.47 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.30 472.25 Td (our ) Tj ET Q q 0 0 0 rg BT 284.13 472.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 319.40 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 333.56 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.28 472.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 371.33 472.25 Td (indicated:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 442.75 m 292.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 442.75 m 296.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 442.75 m 346.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 442.75 m 350.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 442.75 m 400.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 442.75 m 404.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 442.75 m 454.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 442.75 m 458.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 442.75 m 508.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 442.75 m 512.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 442.75 m 562.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 429.75 m 292.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 429.75 m 296.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 429.75 m 346.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 429.75 m 350.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 429.75 m 400.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 442.75 m 454.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 429.75 m 454.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 429.75 m 458.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 429.75 m 508.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 429.75 m 512.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 429.75 m 562.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 400.75 m 292.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 400.75 m 346.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 400.75 m 400.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 400.75 m 454.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 400.75 m 508.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 400.75 m 562.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 312.75 m 292.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 312.75 m 346.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 312.75 m 400.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 312.75 m 454.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 312.75 m 508.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 312.75 m 562.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 298.75 m 292.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 296.75 m 292.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 298.75 m 346.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 296.75 m 346.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 312.75 m 400.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 298.75 m 400.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 296.75 m 400.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 298.75 m 454.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 296.75 m 454.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 298.75 m 508.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 296.75 m 508.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 298.75 m 562.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 296.75 m 562.5 296.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.50 446.98 Td (At December) Tj ET Q q 0 0 0 rg BT 418.51 446.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 433.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 433.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.95 404.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.95 404.98 Td (Per) Tj ET Q q 0 0 0 rg BT 319.87 404.98 Td (cent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.75 420.98 Td (W) Tj ET Q q 0 0 0 rg BT 366.31 420.98 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 361.05 412.98 Td (A) Tj ET Q q 0 0 0 rg BT 366.23 412.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.00 404.98 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.95 404.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.95 404.98 Td (Per) Tj ET Q q 0 0 0 rg BT 481.79 404.98 Td (cent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.75 420.98 Td (W) Tj ET Q q 0 0 0 rg BT 528.31 420.98 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.05 412.98 Td (A) Tj ET Q q 0 0 0 rg BT 528.23 412.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 404.98 Td (Rate) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 364.85 391.98 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 377.42 Td (Noninterest-bearing demand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.00 377.32 Td (............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 377.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 377.42 Td (173,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 377.42 Td (1) Tj ET Q q 0 0 0 rg BT 320.15 377.42 Td (1.53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 377.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 377.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 377.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 377.42 Td (172,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 377.42 Td (12.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 377.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 377.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 362.42 Td (NOW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.00 362.32 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 362.42 Td (61,869) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 362.42 Td (4.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 362.42 Td (0.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 362.42 Td (58,942) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 362.42 Td (4.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 362.42 Td (0.16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 347.42 Td (Money market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.00 347.32 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 347.42 Td (471,968) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 347.42 Td (31.42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 347.42 Td (1.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 347.42 Td (451,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 347.42 Td (32.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 347.42 Td (0.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 332.42 Td (Savings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.50 332.32 Td (.............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 332.42 Td (180,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 332.42 Td (12.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 332.42 Td (1.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 332.42 Td (83,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 332.42 Td (5.99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 332.42 Td (0.74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 317.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 317.42 Td (ime) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 317.32 Td (..................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 317.42 Td (614,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 317.42 Td (40.92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 317.42 Td (1.73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 317.42 Td (631,263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 317.42 Td (45.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 317.42 Td (1.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 302.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 302.42 Td (otal deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.50 302.32 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 302.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.60 302.42 Td (1,502,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 302.42 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 302.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 302.42 Td (1.47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 302.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 302.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.60 302.42 Td (1,398,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 302.42 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 302.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 302.42 Td (1.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 302.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 280.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 280.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.91 280.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 128.18 280.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.11 280.25 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 170.11 280.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.23 280.25 Td (at ) Tj ET Q q 0 0 0 rg BT 208.44 280.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 267.03 280.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 292.03 280.25 Td (an ) Tj ET Q q 0 0 0 rg BT 303.96 280.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 339.22 280.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.05 280.25 Td ($103.8 ) Tj ET Q q 0 0 0 rg BT 380.05 280.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.94 280.25 Td (, ) Tj ET Q q 0 0 0 rg BT 413.94 280.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.77 280.25 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.10 280.25 Td (, ) Tj ET Q q 0 0 0 rg BT 443.10 280.25 Td (from ) Tj ET Q q 0 0 0 rg BT 465.04 280.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 523.62 280.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 262.25 Td (During ) Tj ET Q q 0 0 0 rg BT 99.65 262.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 123.47 262.25 Td (money ) Tj ET Q q 0 0 0 rg BT 152.01 262.25 Td (market ) Tj ET Q q 0 0 0 rg BT 181.09 262.25 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 262.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 262.25 Td ( ) Tj ET Q q 0 0 0 rg BT 256.47 262.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.79 262.25 Td ($20.2 ) Tj ET Q q 0 0 0 rg BT 291.61 262.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.50 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 324.32 262.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.97 262.25 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.30 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 351.12 262.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 390.75 262.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 407.06 262.25 Td (promotions ) Tj ET Q q 0 0 0 rg BT 453.93 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 466.91 262.25 Td (money ) Tj ET Q q 0 0 0 rg BT 495.45 262.25 Td (market ) Tj ET Q q 0 0 0 rg BT 524.53 262.25 Td (accounts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 100.11 250.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 133.54 250.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 168.65 250.25 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.88 250.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.64 250.25 Td ( ) Tj ET Q q 0 0 0 rg BT 246.09 250.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.54 250.25 Td ($0.6 ) Tj ET Q q 0 0 0 rg BT 280.49 250.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.38 250.25 Td (, ) Tj ET Q q 0 0 0 rg BT 315.34 250.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.12 250.25 Td (0.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.95 250.25 Td (, ) Tj ET Q q 0 0 0 rg BT 353.90 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 371.79 250.25 Td (NOW) Tj ET Q q 0 0 0 rg BT 395.49 250.25 Td ( ) Tj ET Q q 0 0 0 rg BT 398.95 250.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 437.38 250.25 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.59 250.25 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 499.54 250.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.43 250.25 Td (, ) Tj ET Q q 0 0 0 rg BT 534.38 250.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.17 250.25 Td (5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 250.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (Savings ) Tj ET Q q 0 0 0 rg BT 85.05 238.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 123.42 238.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.24 238.25 Td ($180.5 ) Tj ET Q q 0 0 0 rg BT 177.12 238.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.01 238.25 Td ( ) Tj ET Q q 0 0 0 rg BT 209.39 238.25 Td (at ) Tj ET Q q 0 0 0 rg BT 220.00 238.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 279.46 238.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 305.35 238.25 Td (up ) Tj ET Q q 0 0 0 rg BT 318.73 238.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.11 238.25 Td ($96.7 ) Tj ET Q q 0 0 0 rg BT 358.00 238.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.89 238.25 Td (, ) Tj ET Q q 0 0 0 rg BT 392.77 238.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.49 238.25 Td (1) Tj ET Q q 0 0 0 rg BT 409.12 238.25 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.45 238.25 Td (, ) Tj ET Q q 0 0 0 rg BT 433.33 238.25 Td (from ) Tj ET Q q 0 0 0 rg BT 456.15 238.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 515.62 238.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 541.26 238.25 Td (T) Tj ET Q q 0 0 0 rg BT 547.02 238.25 Td (ime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.46 226.25 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.88 226.25 Td ( ) Tj ET Q q 0 0 0 rg BT 129.57 226.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.25 226.25 Td ($16.5 ) Tj ET Q q 0 0 0 rg BT 169.44 226.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.33 226.25 Td (, ) Tj ET Q q 0 0 0 rg BT 204.52 226.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.53 226.25 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.86 226.25 Td (, ) Tj ET Q q 0 0 0 rg BT 236.05 226.25 Td (from ) Tj ET Q q 0 0 0 rg BT 259.17 226.25 Td (year) Tj ET Q q 0 0 0 rg BT 276.18 226.25 Td (-end ) Tj ET Q q 0 0 0 rg BT 297.64 226.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 323.56 226.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.31 226.25 Td (ime ) Tj ET Q q 0 0 0 rg BT 348.00 226.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 384.46 226.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.58 226.25 Td ($614.7 ) Tj ET Q q 0 0 0 rg BT 438.76 226.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 226.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.34 226.25 Td (at ) Tj ET Q q 0 0 0 rg BT 482.24 226.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 226.25 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.92 214.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.20 214.25 Td ($631.3 ) Tj ET Q q 0 0 0 rg BT 132.20 214.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.09 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 163.59 214.25 Td (at ) Tj ET Q q 0 0 0 rg BT 173.31 214.25 Td (December ) Tj ET Q q 0 0 0 rg BT 216.89 214.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 231.89 214.25 Td (2017.) 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 (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (At ) Tj ET Q q 0 0 0 rg BT 84.93 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 145.95 742.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 170.89 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.26 742.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 217.70 742.10 Td (time ) Tj ET Q q 0 0 0 rg BT 240.40 742.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 280.62 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 323.32 742.10 Td (CDARS ) Tj ET Q q 0 0 0 rg BT 361.60 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 380.98 742.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 421.45 742.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 461.66 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 484.37 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 493.75 742.10 Td (denomination ) Tj ET Q q 0 0 0 rg BT 553.67 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td ($100thousand ) Tj ET Q q 0 0 0 rg BT 110.77 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 121.27 730.10 Td (more ) Tj ET Q q 0 0 0 rg BT 143.98 730.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 173.36 730.10 Td ($493.8million ) Tj ET Q q 0 0 0 rg BT 234.42 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.02 730.10 Td ($507.5million, ) Tj ET Q q 0 0 0 rg BT 314.58 730.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 362.24 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 366.90 730.10 Td (maturing ) Tj ET Q q 0 0 0 rg BT 405.17 730.10 Td (during ) Tj ET Q q 0 0 0 rg BT 433.45 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.83 730.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 479.43 730.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 518.25 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 528.19 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.58 730.10 Td (table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (below:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 688.6 m 508.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 688.6 m 512.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 688.6 m 562.5 688.6 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 458.5 587.6 m 508.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 587.6 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 458.5 573.6 m 508.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 571.6 m 508.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 573.6 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 512.5 571.6 m 562.5 571.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.50 692.83 Td (At December) Tj ET Q q 0 0 0 rg BT 526.51 692.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 679.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 679.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 472.85 666.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 652.27 Td (Maturing:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 637.27 Td (W) Tj ET Q q 0 0 0 rg BT 68.24 637.27 Td (ithin 3months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.50 637.17 Td (...................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 637.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 637.27 Td (107,516) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 637.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 637.27 Td (63,575) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 622.27 Td (After 3 but within 6months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.50 622.17 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 622.27 Td (136,494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.10 622.27 Td (1) Tj ET Q q 0 0 0 rg BT 531.10 622.27 Td (14,51) Tj ET Q q 0 0 0 rg BT 553.60 622.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 607.27 Td (After 6months but within 1 year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.50 607.17 Td (.........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 607.27 Td (102,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.10 607.27 Td (149,782) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 592.27 Td (After 1 year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.50 592.17 Td (...........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 592.27 Td (147,062) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.10 592.27 Td (179,655) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 577.27 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 577.27 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 577.17 Td (........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 577.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 577.27 Td (493,794) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 577.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.10 577.27 Td (507,523) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 555.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.26 555.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 110.08 555.10 Td (is ) Tj ET Q q 0 0 0 rg BT 118.47 555.10 Td (a ) Tj ET Q q 0 0 0 rg BT 124.62 555.10 Td (member ) Tj ET Q q 0 0 0 rg BT 159.10 555.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.14 555.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.07 555.10 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 212.85 555.10 Td (which ) Tj ET Q q 0 0 0 rg BT 239.00 555.10 Td (is ) Tj ET Q q 0 0 0 rg BT 247.38 555.10 Td (part ) Tj ET Q q 0 0 0 rg BT 264.64 555.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.69 555.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.84 555.10 Td (twelve ) Tj ET Q q 0 0 0 rg BT 309.21 555.10 Td (district ) Tj ET Q q 0 0 0 rg BT 338.70 555.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 370.40 555.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 396.55 555.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 418.81 555.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 441.63 555.10 Td (System. ) Tj ET Q q 0 0 0 rg BT 475.29 555.10 Td (Members ) Tj ET Q q 0 0 0 rg BT 514.78 555.10 Td (are ) Tj ET Q q 0 0 0 rg BT 528.70 555.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 543.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.61 543.10 Td (own ) Tj ET Q q 0 0 0 rg BT 78.67 543.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 107.15 543.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 130.09 543.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.25 543.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.30 543.10 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 184.19 543.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.47 543.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 247.85 543.10 Td (are ) Tj ET Q q 0 0 0 rg BT 261.89 543.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 317.57 543.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.41 543.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 372.34 543.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 397.51 543.10 Td (not ) Tj ET Q q 0 0 0 rg BT 412.12 543.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 452.83 543.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 486.31 543.10 Td (\(principally ) Tj ET Q q 0 0 0 rg BT 534.80 543.10 Td (single-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 531.10 Td (family ) Tj ET Q q 0 0 0 rg BT 78.55 531.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 122.65 531.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 162.86 531.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 186.41 531.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.30 531.10 Td (securities\). ) Tj ET Q q 0 0 0 rg BT 249.16 531.10 Td (The ) Tj ET Q q 0 0 0 rg BT 267.15 531.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 310.15 531.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 342.59 531.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.37 531.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 378.58 531.10 Td (that ) Tj ET Q q 0 0 0 rg BT 396.02 531.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.68 531.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 438.69 531.10 Td (will ) Tj ET Q q 0 0 0 rg BT 456.69 531.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 485.79 531.10 Td (varies ) Tj ET Q q 0 0 0 rg BT 512.12 531.10 Td (from ) Tj ET Q q 0 0 0 rg BT 534.00 531.10 Td (time ) Tj ET Q q 0 0 0 rg BT 554.22 531.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 519.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 72.14 519.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 115.66 519.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.52 519.10 Td (its ) Tj ET Q q 0 0 0 rg BT 138.84 519.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 171.81 519.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.11 519.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.19 519.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 234.05 519.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.25 519.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 287.22 519.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 326.28 519.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.36 519.10 Td (member ) Tj ET Q q 0 0 0 rg BT 374.99 519.10 Td (can ) Tj ET Q q 0 0 0 rg BT 390.73 519.10 Td (pledge. ) Tj ET Q q 0 0 0 rg BT 421.62 519.10 Td (The ) Tj ET Q q 0 0 0 rg BT 439.03 519.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 462.00 519.10 Td (had ) Tj ET Q q 0 0 0 rg BT 478.31 519.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 513.50 519.10 Td (its ) Tj ET Q q 0 0 0 rg BT 524.81 519.10 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 507.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 100.81 507.10 Td (at ) Tj ET Q q 0 0 0 rg BT 110.53 507.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 169.11 507.10 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 489.10 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 489.10 Td (e ) Tj ET Q q 0 0 0 rg BT 85.32 489.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 112.56 489.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 151.46 489.10 Td (from ) Tj ET Q q 0 0 0 rg BT 173.14 489.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.61 489.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 215.42 489.10 Td (as ) Tj ET Q q 0 0 0 rg BT 226.00 489.10 Td (part ) Tj ET Q q 0 0 0 rg BT 243.79 489.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.37 489.10 Td (our ) Tj ET Q q 0 0 0 rg BT 269.95 489.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 299.96 489.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 333.32 489.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 364.33 489.10 Td (, ) Tj ET Q q 0 0 0 rg BT 369.07 489.10 Td (to ) Tj ET Q q 0 0 0 rg BT 379.10 489.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 400.78 489.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 444.69 489.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 480.83 489.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 505.84 489.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.53 489.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.56 489.10 Td (a ) Tj ET Q q 0 0 0 rg BT 539.25 489.10 Td (lesser ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 477.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 79.48 477.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 113.41 477.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 145.68 477.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 163.50 477.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 181.34 477.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 211.39 477.10 Td (from ) Tj ET Q q 0 0 0 rg BT 233.67 477.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.72 477.10 Td (dif) Tj ET Q q 0 0 0 rg BT 259.65 477.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 291.90 477.10 Td (in ) Tj ET Q q 0 0 0 rg BT 302.51 477.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 324.78 477.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.06 477.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 376.00 477.10 Td (maturities. ) Tj ET Q q 0 0 0 rg BT 421.12 477.10 Td (T) Tj ET Q q 0 0 0 rg BT 426.53 477.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 444.37 477.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 472.76 477.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 512.24 477.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.51 477.10 Td ($160.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 465.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.44 465.10 Td (at ) Tj ET Q q 0 0 0 rg BT 91.20 465.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 149.83 465.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 172.37 465.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 214.34 465.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.67 465.10 Td ($199.0million ) Tj ET Q q 0 0 0 rg BT 286.10 465.10 Td (at ) Tj ET Q q 0 0 0 rg BT 295.87 465.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 354.50 465.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 379.36 465.10 Td (The ) Tj ET Q q 0 0 0 rg BT 397.45 465.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 434.41 465.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.28 465.10 Td ($39.0million ) Tj ET Q q 0 0 0 rg BT 501.72 465.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 533.69 465.10 Td (normal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 453.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 99.71 453.10 Td (in ) Tj ET Q q 0 0 0 rg BT 109.99 453.10 Td (our ) Tj ET Q q 0 0 0 rg BT 125.82 453.10 Td (borrowings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 435.10 Td (Advances ) Tj ET Q q 0 0 0 rg BT 111.92 435.10 Td (from ) Tj ET Q q 0 0 0 rg BT 133.85 435.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.55 435.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 176.61 435.10 Td (include ) Tj ET Q q 0 0 0 rg BT 208.53 435.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 252.68 435.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 291.81 435.10 Td (with ) Tj ET Q q 0 0 0 rg BT 312.08 435.10 Td (original ) Tj ET Q q 0 0 0 rg BT 345.67 435.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 382.05 435.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 405.08 435.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.90 435.10 Td (one ) Tj ET Q q 0 0 0 rg BT 432.83 435.10 Td (year ) Tj ET Q q 0 0 0 rg BT 452.53 435.10 Td (or ) Tj ET Q q 0 0 0 rg BT 463.35 435.10 Td (less. ) Tj ET Q q 0 0 0 rg BT 483.16 435.10 Td (The ) Tj ET Q q 0 0 0 rg BT 501.20 435.10 Td (following ) Tj ET Q q 0 0 0 rg BT 542.57 435.10 Td (table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 67.50 423.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 89.44 423.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 119.14 423.10 Td (information ) Tj ET Q q 0 0 0 rg BT 168.85 423.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 215.78 423.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 259.93 423.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 287.99 423.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 327.14 423.10 Td (as ) Tj ET Q q 0 0 0 rg BT 337.97 423.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.80 423.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.74 423.10 Td (for ) Tj ET Q q 0 0 0 rg BT 379.90 423.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.61 423.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 426.55 423.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 465.70 423.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.98 423.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.70 423.10 Td (following ) Tj ET Q q 0 0 0 rg BT 532.08 423.10 Td (table:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 393.6 m 454.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 393.6 m 458.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 393.6 m 508.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 393.6 m 512.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 393.6 m 562.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 380.6 m 454.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 380.6 m 508.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 380.6 m 562.5 380.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.70 397.83 Td (Y) Tj ET Q q 0 0 0 rg BT 444.03 397.83 Td (ear) Tj ET Q q 0 0 0 rg BT 454.62 397.83 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 515.35 397.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 384.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 384.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 384.83 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 445.85 371.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 358.28 Td (As of and for) Tj ET Q q 0 0 0 rg BT 108.65 358.28 Td ( the period ending:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 343.27 Td (A) Tj ET Q q 0 0 0 rg BT 65.85 343.27 Td (verage amount outstanding during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.00 343.17 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 343.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.10 343.27 Td (163,419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 343.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.10 343.27 Td (144,800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 343.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 343.27 Td (1) Tj ET Q q 0 0 0 rg BT 526.10 343.27 Td (14,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 328.27 Td (Amount outstanding at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.50 328.17 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.10 328.27 Td (135,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.10 328.27 Td (174,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 328.27 Td (135,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 313.27 Td (Highest month end balance during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.00 313.17 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.10 313.27 Td (174,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.10 313.27 Td (175,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 313.27 Td (150,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 298.27 Td (W) Tj ET Q q 0 0 0 rg BT 68.04 298.27 Td (eighted average interest rate at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.00 298.17 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.15 298.27 Td (2.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 298.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 298.27 Td (1.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.65 298.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 298.27 Td (0.73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 298.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 283.27 Td (W) Tj ET Q q 0 0 0 rg BT 67.64 283.27 Td (eighted average interest rate during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.50 283.17 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.15 283.27 Td (1.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 283.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 283.27 Td (1.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.65 283.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 283.27 Td (0.69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 283.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 261.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.75 261.10 Td (table ) Tj ET Q q 0 0 0 rg BT 111.39 261.10 Td (above ) Tj ET Q q 0 0 0 rg BT 138.47 261.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 175.00 261.10 Td (short ) Tj ET Q q 0 0 0 rg BT 198.21 261.10 Td (term ) Tj ET Q q 0 0 0 rg BT 219.74 261.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 268.49 261.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.47 261.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.12 261.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 322.54 261.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 372.96 261.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.60 261.10 Td (excludes ) Tj ET Q q 0 0 0 rg BT 428.79 261.10 Td (one ) Tj ET Q q 0 0 0 rg BT 446.43 261.10 Td (long ) Tj ET Q q 0 0 0 rg BT 467.41 261.10 Td (term ) Tj ET Q q 0 0 0 rg BT 488.94 261.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 517.71 261.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 553.67 261.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 249.10 Td ($25million ) Tj ET Q q 0 0 0 rg BT 98.89 249.10 Td (maturing ) Tj ET Q q 0 0 0 rg BT 137.50 249.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.77 249.10 Td (2020.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 231.10 Td (On ) Tj ET Q q 0 0 0 rg BT 84.40 231.10 Td (August19, ) Tj ET Q q 0 0 0 rg BT 131.08 231.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 156.38 231.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.39 231.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.07 231.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 257.51 231.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.74 231.10 Td (private ) Tj ET Q q 0 0 0 rg BT 295.30 231.10 Td (placement ) Tj ET Q q 0 0 0 rg BT 339.18 231.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.30 231.10 Td ($25.5million ) Tj ET Q q 0 0 0 rg BT 406.99 231.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.56 231.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 459.21 231.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 497.55 231.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 530.34 231.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 231.10 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 219.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.02 219.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 122.71 219.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 146.85 219.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 165.43 219.10 Td (Notes\) ) Tj ET Q q 0 0 0 rg BT 204.00 219.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.81 219.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 245.05 219.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 295.86 219.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 337.28 219.10 Td (The ) Tj ET Q q 0 0 0 rg BT 355.86 219.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 382.23 219.10 Td (are ) Tj ET Q q 0 0 0 rg BT 397.47 219.10 Td (non-callable ) Tj ET Q q 0 0 0 rg BT 449.92 219.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.62 219.10 Td (fiveyears, ) Tj ET Q q 0 0 0 rg BT 509.29 219.10 Td (have ) Tj ET Q q 0 0 0 rg BT 531.21 219.10 Td (a ) Tj ET Q q 0 0 0 rg BT 538.68 219.10 Td (stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 86.49 207.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.85 207.10 Td (August15, ) Tj ET Q q 0 0 0 rg BT 143.35 207.10 Td (2025, ) Tj ET Q q 0 0 0 rg BT 168.46 207.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.50 207.10 Td (bear ) Tj ET Q q 0 0 0 rg BT 205.32 207.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.36 207.10 Td (at ) Tj ET Q q 0 0 0 rg BT 247.18 207.10 Td (a ) Tj ET Q q 0 0 0 rg BT 254.23 207.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 292.93 207.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 309.98 207.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 333.13 207.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 350.72 207.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.66 207.10 Td (5.75% ) Tj ET Q q 0 0 0 rg BT 390.10 207.10 Td (per ) Tj ET Q q 0 0 0 rg BT 405.47 207.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 435.30 207.10 Td (to ) Tj ET Q q 0 0 0 rg BT 445.68 207.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.51 207.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 497.00 207.10 Td (date ) Tj ET Q q 0 0 0 rg BT 516.26 207.10 Td (or ) Tj ET Q q 0 0 0 rg BT 527.20 207.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 207.10 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 98.04 195.10 Td (date ) Tj ET Q q 0 0 0 rg BT 117.20 195.10 Td (\(August ) Tj ET Q q 0 0 0 rg BT 151.92 195.10 Td (2020 ) Tj ET Q q 0 0 0 rg BT 174.42 195.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.36 195.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 228.29 195.10 Td (thereafter\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 177.10 Td (Derivative Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 159.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.07 159.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.48 159.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 149.23 159.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 181.18 159.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 198.69 159.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 221.77 159.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 270.96 159.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.26 159.10 Td (fix ) Tj ET Q q 0 0 0 rg BT 294.89 159.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.63 159.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 341.59 159.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 359.09 159.10 Td (on ) Tj ET Q q 0 0 0 rg BT 371.62 159.10 Td (short ) Tj ET Q q 0 0 0 rg BT 394.14 159.10 Td (term ) Tj ET Q q 0 0 0 rg BT 414.99 159.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 443.08 159.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 491.15 159.10 Td (or ) Tj ET Q q 0 0 0 rg BT 502.00 159.10 Td (Brokered ) Tj ET Q q 0 0 0 rg BT 541.73 159.10 Td (CDs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 147.10 Td (all ) Tj ET Q q 0 0 0 rg BT 63.30 147.10 Td (of ) Tj ET Q q 0 0 0 rg BT 74.93 147.10 Td (which ) Tj ET Q q 0 0 0 rg BT 102.67 147.10 Td (are ) Tj ET Q q 0 0 0 rg BT 118.18 147.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 164.25 147.10 Td (as ) Tj ET Q q 0 0 0 rg BT 175.88 147.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 196.95 147.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 218.58 147.10 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 251.91 147.10 Td (The ) Tj ET Q q 0 0 0 rg BT 270.76 147.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 297.94 147.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 332.90 147.10 Td (converts ) Tj ET Q q 0 0 0 rg BT 370.08 147.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.60 147.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 403.88 147.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.52 147.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 448.25 147.10 Td (on ) Tj ET Q q 0 0 0 rg BT 461.56 147.10 Td (short ) Tj ET Q q 0 0 0 rg BT 484.86 147.10 Td (term ) Tj ET Q q 0 0 0 rg BT 506.48 147.10 Td (rolling ) Tj ET Q q 0 0 0 rg BT 536.45 147.10 Td (FHLB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 135.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 90.93 135.10 Td (or ) Tj ET Q q 0 0 0 rg BT 103.54 135.10 Td (Brokered ) Tj ET Q q 0 0 0 rg BT 145.03 135.10 Td (CDs ) Tj ET Q q 0 0 0 rg BT 167.09 135.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.16 135.10 Td (long ) Tj ET Q q 0 0 0 rg BT 201.22 135.10 Td (term ) Tj ET Q q 0 0 0 rg BT 223.82 135.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 248.65 135.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 282.37 135.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 308.03 135.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 342.29 135.10 Td (protecting ) Tj ET Q q 0 0 0 rg BT 387.12 135.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.62 135.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 429.01 135.10 Td (from ) Tj ET Q q 0 0 0 rg BT 452.73 135.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 486.45 135.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 505.71 135.10 Td (variability) Tj ET Q q 0 0 0 rg BT 546.16 135.10 Td (. ) Tj ET Q q 0 0 0 rg BT 552.00 135.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 123.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 133.58 123.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.30 123.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 189.69 123.10 Td (held ) Tj ET Q q 0 0 0 rg BT 209.40 123.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 251.88 123.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 289.37 123.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 338.53 123.10 Td (with ) Tj ET Q q 0 0 0 rg BT 358.81 123.10 Td (a ) Tj ET Q q 0 0 0 rg BT 365.75 123.10 Td (total ) Tj ET Q q 0 0 0 rg BT 386.02 123.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 421.29 123.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 453.79 123.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.62 123.10 Td ($225.0 ) Tj ET Q q 0 0 0 rg BT 494.62 123.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.51 123.10 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 (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 120.26 742.10 Td (about ) Tj ET Q q 0 0 0 rg BT 144.98 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 187.46 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 236.63 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 246.34 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 304.93 742.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 327.43 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.37 742.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 366.87 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 384.92 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 395.75 742.10 Td (follows:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 724.10 Td (December) Tj ET Q q 0 0 0 rg BT 93.13 724.10 Td (31, 2018:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 678.6 m 346.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 678.6 m 400.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 678.6 m 454.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 678.6 m 508.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 678.6 m 562.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 426.6 m 346.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 426.6 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 296.5 412.6 m 346.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 410.6 m 346.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 412.6 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 512.5 410.6 m 562.5 410.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.30 690.83 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.95 682.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.55 690.83 Td (Original) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 359.40 682.83 Td (Maturity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.65 682.83 Td (Received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.20 682.83 Td (Paid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.15 698.83 Td (Fair) Tj ET Q q 0 0 0 rg BT 533.67 698.83 Td ( ) Tj ET Q q 0 0 0 rg BT 535.52 698.83 Td (V) Tj ET Q q 0 0 0 rg BT 540.56 698.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.85 690.83 Td (Asset) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.65 682.83 Td (\(Liability\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 391.85 669.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 656.28 Td (Cash flow hedge:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 631.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 631.17 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 631.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 631.27 Td (4.7years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 641.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 631.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 631.27 Td (1.62%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 631.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 606.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 606.17 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 606.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 606.27 Td (5.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 616.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 606.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 606.27 Td (1.83%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 606.27 Td (220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 581.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 581.17 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 581.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 581.27 Td (5.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 591.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 581.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 581.27 Td (1.48%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 581.27 Td (475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 556.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 556.17 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 556.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 556.27 Td (5.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 566.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 556.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 556.27 Td (1.22%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 556.27 Td (828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 531.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 531.17 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 531.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 531.27 Td (7.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 541.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 531.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 531.27 Td (2.04%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 531.27 Td (675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 506.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 506.17 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 506.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 506.27 Td (7.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 516.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 506.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 506.27 Td (2.04%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 506.27 Td (668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 481.27 Td (Forward-starting interest rate swap) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 192.68 485.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.50 481.17 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 481.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.45 481.27 Td (15.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 491.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 481.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 481.27 Td (3.01%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 481.32 Td (\(807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 481.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 456.27 Td (Forward-starting interest rate swap) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 192.68 460.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.50 456.17 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 456.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.45 456.27 Td (15.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 466.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 456.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 456.27 Td (3.03%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 456.32 Td (\(819) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 456.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 431.27 Td (Forward-starting interest rate swap) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 192.68 435.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.50 431.17 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 431.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.45 431.27 Td (15.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 441.27 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 431.27 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 431.27 Td (3.05%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 431.32 Td (\(81) Tj ET Q q 0 0 0 rg BT 553.63 431.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 431.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 416.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 416.27 Td (225,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 416.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 416.27 Td (430) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 395.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 62.58 395.30 Td (The ef) Tj ET Q q 0 0 0 rg BT 85.65 395.30 Td (fective date of the forward-starting interest rate swaps listed above are January 2, 2019, January 2, 2020 and ) Tj ET Q q 0 0 0 rg BT 476.77 395.30 Td (August 26, 2020, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 384.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.90 384.50 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.70 Td (December) Tj ET Q q 0 0 0 rg BT 93.13 361.70 Td (31, 2017:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 311.20000000000005 m 346.5 311.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 311.20000000000005 m 400.5 311.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 311.20000000000005 m 454.5 311.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 311.20000000000005 m 508.5 311.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 311.20000000000005 m 562.5 311.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 142.20000000000005 m 346.5 142.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 142.20000000000005 m 562.5 142.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 129.20000000000005 m 346.5 129.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 127.20000000000005 m 346.5 127.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 129.20000000000005 m 562.5 129.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 127.20000000000005 m 562.5 127.20000000000005 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.30 323.43 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.95 315.43 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.55 323.43 Td (Original) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 359.40 315.43 Td (Maturity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.65 315.43 Td (Received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.20 315.43 Td (Paid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.15 331.43 Td (Fair) Tj ET Q q 0 0 0 rg BT 533.67 331.43 Td ( ) Tj ET Q q 0 0 0 rg BT 535.52 331.43 Td (V) Tj ET Q q 0 0 0 rg BT 540.56 331.43 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.85 323.43 Td (Asset) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.65 315.43 Td (\(Liability\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 391.85 303.28 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 289.93 Td (Cash flow hedge:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 266.87 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 266.77 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 266.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 266.87 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 266.87 Td (4.7years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 276.77 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 266.77 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 266.87 Td (1.62%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 266.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 266.87 Td (62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 242.87 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 242.77 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 242.87 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 242.87 Td (5.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 252.77 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 242.77 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 242.87 Td (1.83%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 242.87 Td (105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 218.87 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 218.77 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 218.87 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 218.87 Td (5.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 228.77 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 218.77 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 218.87 Td (1.48%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 218.87 Td (398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 194.87 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 194.77 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 194.87 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 194.87 Td (5.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 204.77 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 194.77 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 194.87 Td (1.22%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 194.87 Td (793) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 170.87 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 170.77 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 170.87 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 170.87 Td (7.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 180.77 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 170.77 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 170.87 Td (2.04%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 170.87 Td (342) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 146.87 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 146.77 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 146.87 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.95 146.87 Td (7.0years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 156.77 Td (3-month) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 146.77 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 146.87 Td (2.04%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 146.87 Td (334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 132.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 132.77 Td (150,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 132.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 132.77 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET 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 (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Liquidity and Capital Resour) Tj ET Q q 0 0 0 rg BT 175.68 742.25 Td (ces) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Liquidity Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 706.25 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 110.27 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 119.99 706.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 153.02 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 164.39 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.66 706.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 208.26 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 219.08 706.25 Td (generate ) Tj ET Q q 0 0 0 rg BT 255.99 706.25 Td (suf) Tj ET Q q 0 0 0 rg BT 268.03 706.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 296.62 706.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 317.44 706.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 342.71 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 353.53 706.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 376.01 706.25 Td (all ) Tj ET Q q 0 0 0 rg BT 389.05 706.25 Td (present ) Tj ET Q q 0 0 0 rg BT 420.98 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 438.46 706.25 Td (future ) Tj ET Q q 0 0 0 rg BT 465.39 706.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 499.54 706.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 554.79 706.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 94.78 694.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 119.30 694.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 136.87 694.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 170.55 694.25 Td (source ) Tj ET Q q 0 0 0 rg BT 198.67 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.03 694.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 244.94 694.25 Td (is ) Tj ET Q q 0 0 0 rg BT 253.63 694.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 290.79 694.25 Td (While ) Tj ET Q q 0 0 0 rg BT 317.25 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 332.60 694.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 371.82 694.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 410.48 694.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 443.61 694.25 Td (strategy ) Tj ET Q q 0 0 0 rg BT 477.29 694.25 Td (is ) Tj ET Q q 0 0 0 rg BT 485.99 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.79 694.25 Td (attract ) Tj ET Q q 0 0 0 rg BT 522.79 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.25 694.25 Td (retain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (low ) Tj ET Q q 0 0 0 rg BT 68.18 682.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 87.47 682.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 125.93 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 142.44 682.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 171.17 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 182.13 682.25 Td (do ) Tj ET Q q 0 0 0 rg BT 195.31 682.25 Td (so ) Tj ET Q q 0 0 0 rg BT 207.38 682.25 Td (is ) Tj ET Q q 0 0 0 rg BT 217.23 682.25 Td (af) Tj ET Q q 0 0 0 rg BT 224.82 682.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 252.42 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 265.60 682.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 315.99 682.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 348.60 682.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 370.66 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 388.28 682.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 413.68 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 424.63 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.03 682.25 Td (marketplace. ) Tj ET Q q 0 0 0 rg BT 494.57 682.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 520.52 682.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 553.69 682.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 83.46 670.25 Td (include ) Tj ET Q q 0 0 0 rg BT 115.24 670.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 169.79 670.25 Td (use ) Tj ET Q q 0 0 0 rg BT 185.47 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.15 670.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 239.03 670.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 278.60 670.25 Td (\(e.g., ) Tj ET Q q 0 0 0 rg BT 301.22 670.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 329.13 670.25 Td (term ) Tj ET Q q 0 0 0 rg BT 349.80 670.25 Td (advances ) Tj ET Q q 0 0 0 rg BT 388.79 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 405.58 670.25 Td (other ) Tj ET Q q 0 0 0 rg BT 428.48 670.25 Td (borrowings\), ) Tj ET Q q 0 0 0 rg BT 482.21 670.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 502.32 670.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 526.89 670.25 Td (from ) Tj ET Q q 0 0 0 rg BT 548.68 670.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.49 658.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 136.86 658.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 180.85 658.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 200.68 658.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 225.22 658.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 245.05 658.25 Td (repayments ) Tj ET Q q 0 0 0 rg BT 293.75 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.80 658.25 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 349.78 658.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 396.82 658.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 437.19 658.25 Td (designated ) Tj ET Q q 0 0 0 rg BT 482.56 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 493.50 658.25 Td (available ) Tj ET Q q 0 0 0 rg BT 532.20 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 546.46 658.25 Td (sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (may ) Tj ET Q q 0 0 0 rg BT 69.72 646.25 Td (also ) Tj ET Q q 0 0 0 rg BT 88.33 646.25 Td (be ) Tj ET Q q 0 0 0 rg BT 100.26 646.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 119.43 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 129.71 646.25 Td (response ) Tj ET Q q 0 0 0 rg BT 167.20 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.48 646.25 Td (short-term ) Tj ET Q q 0 0 0 rg BT 221.64 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 232.47 646.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 274.40 646.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 310.79 646.25 Td (needs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.82 628.25 Td (Company) Tj ET Q q 0 0 0 rg BT 129.48 628.25 Td (s ) Tj ET Q q 0 0 0 rg BT 135.65 628.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 171.81 628.25 Td (position ) Tj ET Q q 0 0 0 rg BT 206.31 628.25 Td (is ) Tj ET Q q 0 0 0 rg BT 215.25 628.25 Td (monitored ) Tj ET Q q 0 0 0 rg BT 258.63 628.25 Td (daily ) Tj ET Q q 0 0 0 rg BT 280.89 628.25 Td (by ) Tj ET Q q 0 0 0 rg BT 293.17 628.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 348.86 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 366.18 628.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 390.67 628.25 Td (Liability ) Tj ET Q q 0 0 0 rg BT 427.38 628.25 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 476.59 628.25 Td (or ) Tj ET Q q 0 0 0 rg BT 486.69 628.25 Td (ALCO, ) Tj ET Q q 0 0 0 rg BT 518.69 628.25 Td (establishes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 93.60 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 103.88 616.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 132.48 616.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 185.51 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.34 616.25 Td (prudent ) Tj ET Q q 0 0 0 rg BT 229.38 616.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 255.21 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 266.04 616.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 299.28 616.25 Td (. ) Tj ET Q q 0 0 0 rg BT 303.73 616.25 Td (ALCO ) Tj ET Q q 0 0 0 rg BT 333.45 616.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 363.72 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 374.00 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 388.72 616.25 Td (Company) Tj ET Q q 0 0 0 rg BT 430.38 616.25 Td (s ) Tj ET Q q 0 0 0 rg BT 436.77 616.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 463.71 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.54 616.25 Td (Directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.95 598.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 109.45 598.25 Td (has ) Tj ET Q q 0 0 0 rg BT 124.18 598.25 Td (a ) Tj ET Q q 0 0 0 rg BT 130.02 598.25 Td (detailed ) Tj ET Q q 0 0 0 rg BT 163.07 598.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 198.36 598.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 230.87 598.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 257.26 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 273.10 598.25 Td (a ) Tj ET Q q 0 0 0 rg BT 278.94 598.25 Td (contingency ) Tj ET Q q 0 0 0 rg BT 329.21 598.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 361.71 598.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 380.33 598.25 Td (that ) Tj ET Q q 0 0 0 rg BT 396.72 598.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 428.67 598.25 Td (for ) Tj ET Q q 0 0 0 rg BT 441.73 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 455.34 598.25 Td (prompt ) Tj ET Q q 0 0 0 rg BT 485.63 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.47 598.25 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (response ) Tj ET Q q 0 0 0 rg BT 87.51 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.82 586.25 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 145.87 586.25 Td (demands ) Tj ET Q q 0 0 0 rg BT 183.95 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 198.13 586.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 231.37 586.25 Td (. ) Tj ET Q q 0 0 0 rg BT 236.21 586.25 Td (W) Tj ET Q q 0 0 0 rg BT 244.85 586.25 Td (e ) Tj ET Q q 0 0 0 rg BT 251.81 586.25 Td (employ ) Tj ET Q q 0 0 0 rg BT 284.33 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 291.30 586.25 Td (stress ) Tj ET Q q 0 0 0 rg BT 316.04 586.25 Td (testing ) Tj ET Q q 0 0 0 rg BT 345.23 586.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 400.53 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 410.83 586.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 446.68 586.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 471.97 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 486.16 586.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 530.89 586.25 Td (funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (that ) Tj ET Q q 0 0 0 rg BT 66.51 574.25 Td (could ) Tj ET Q q 0 0 0 rg BT 90.24 574.25 Td (result ) Tj ET Q q 0 0 0 rg BT 113.97 574.25 Td (from ) Tj ET Q q 0 0 0 rg BT 134.93 574.25 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 181.98 574.25 Td (outflows ) Tj ET Q q 0 0 0 rg BT 218.49 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 228.34 574.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 252.07 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.37 574.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 288.98 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.82 574.25 Td (business ) Tj ET Q q 0 0 0 rg BT 338.67 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 348.52 574.25 Td (usual ) Tj ET Q q 0 0 0 rg BT 375.58 574.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 394.86 574.25 Td (flows. ) Tj ET Q q 0 0 0 rg BT 420.99 574.25 Td (The ) Tj ET Q q 0 0 0 rg BT 438.05 574.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 460.67 574.25 Td (has ) Tj ET Q q 0 0 0 rg BT 475.52 574.25 Td (established ) Tj ET Q q 0 0 0 rg BT 521.47 574.25 Td (unsecured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 94.28 562.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 130.21 562.25 Td (with ) Tj ET Q q 0 0 0 rg BT 150.60 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.86 562.25 Td (Atlantic ) Tj ET Q q 0 0 0 rg BT 199.69 562.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 250.09 562.25 Td (Bankers ) Tj ET Q q 0 0 0 rg BT 285.47 562.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 309.20 562.25 Td (\(ACBB\) ) Tj ET Q q 0 0 0 rg BT 345.71 562.25 Td (\(formerly ) Tj ET Q q 0 0 0 rg BT 386.64 562.25 Td (Bankers) Tj ET Q q 0 0 0 rg BT 422.00 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 424.61 562.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 448.34 562.25 Td (Northeast\), ) Tj ET Q q 0 0 0 rg BT 495.66 562.25 Td (Zion) Tj ET Q q 0 0 0 rg BT 517.33 562.25 Td (s ) Tj ET Q q 0 0 0 rg BT 523.84 562.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 547.56 562.25 Td (and ) 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 (exas ) Tj ET Q q 0 0 0 rg BT 75.35 550.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 106.40 550.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 129.67 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 146.28 550.25 Td (also ) Tj ET Q q 0 0 0 rg BT 164.56 550.25 Td (maintains ) Tj ET Q q 0 0 0 rg BT 205.61 550.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 247.76 550.25 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 303.78 550.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 347.61 550.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 383.09 550.25 Td (with ) Tj ET Q q 0 0 0 rg BT 403.04 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 417.42 550.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 445.15 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 455.10 550.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 483.36 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 493.86 550.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 519.36 550.25 Td (used ) Tj ET Q q 0 0 0 rg BT 539.85 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 550.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 85.67 538.25 Td (course ) Tj ET Q q 0 0 0 rg BT 113.55 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.67 538.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 161.46 538.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 206.02 538.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 237.80 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 247.92 538.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 283.60 538.25 Td (include ) Tj ET Q q 0 0 0 rg BT 314.83 538.25 Td (cash, ) Tj ET Q q 0 0 0 rg BT 336.89 538.25 Td (unpledged ) Tj ET Q q 0 0 0 rg BT 380.33 538.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 426.00 538.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 465.55 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.78 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.79 538.25 Td (brokered ) Tj ET Q q 0 0 0 rg BT 533.12 538.25 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (market.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (Capital Resour) Tj ET Q q 0 0 0 rg BT 110.46 508.25 Td (ces) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 490.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.34 490.25 Td (shareholders) Tj ET Q q 0 0 0 rg BT 145.46 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.40 490.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 174.33 490.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.81 490.25 Td ($174.2 ) Tj ET Q q 0 0 0 rg BT 221.25 490.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.14 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 252.07 490.25 Td (at ) Tj ET Q q 0 0 0 rg BT 261.22 490.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 319.24 490.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 343.67 490.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 385.03 490.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.74 490.25 Td ($161.0 ) Tj ET Q q 0 0 0 rg BT 424.17 490.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.07 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 455.00 490.25 Td (at ) Tj ET Q q 0 0 0 rg BT 464.15 490.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 522.17 490.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 546.46 490.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td ($13.2 ) Tj ET Q q 0 0 0 rg BT 75.11 478.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 478.25 Td (, ) Tj ET Q q 0 0 0 rg BT 109.11 478.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.06 478.25 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.39 478.25 Td ( ) Tj ET Q q 0 0 0 rg BT 136.00 478.25 Td (increase, ) Tj ET Q q 0 0 0 rg BT 173.86 478.25 Td (is ) Tj ET Q q 0 0 0 rg BT 183.14 478.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 222.97 478.25 Td (a ) Tj ET Q q 0 0 0 rg BT 230.02 478.25 Td (result ) Tj ET Q q 0 0 0 rg BT 254.84 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 265.79 478.25 Td (net ) Tj ET Q q 0 0 0 rg BT 280.61 478.25 Td (income ) Tj ET Q q 0 0 0 rg BT 312.66 478.25 Td (for ) Tj ET Q q 0 0 0 rg BT 326.93 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.76 478.25 Td (year ) Tj ET Q q 0 0 0 rg BT 361.58 478.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 388.07 478.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 446.76 478.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 469.37 478.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.31 478.25 Td ($17.4 ) Tj ET Q q 0 0 0 rg BT 505.42 478.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.32 478.25 Td (, ) Tj ET Q q 0 0 0 rg BT 539.43 478.25 Td (of) Tj ET Q q 0 0 0 rg BT 547.58 478.25 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (by ) Tj ET Q q 0 0 0 rg BT 63.09 466.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 105.08 466.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 125.39 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 136.81 466.25 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 157.41 466.25 Td (million ) Tj ET Q q 0 0 0 rg BT 189.39 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.93 466.25 Td (a ) Tj ET Q q 0 0 0 rg BT 214.46 466.25 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 235.05 466.25 Td (million ) Tj ET Q q 0 0 0 rg BT 267.04 466.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 297.35 466.25 Td (to ) Tj ET Q q 0 0 0 rg BT 308.22 466.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 361.84 466.25 Td (other ) Tj ET Q q 0 0 0 rg BT 385.48 466.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 449.11 466.25 Td (income ) Tj ET Q q 0 0 0 rg BT 481.64 466.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 510.28 466.25 Td (by ) Tj ET Q q 0 0 0 rg BT 523.38 466.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 466.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (marks ) Tj ET Q q 0 0 0 rg BT 76.85 454.25 Td (related ) Tj ET Q q 0 0 0 rg BT 106.47 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 116.66 454.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 142.95 454.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 181.49 454.25 Td (involving ) Tj ET Q q 0 0 0 rg BT 222.24 454.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 254.08 454.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 271.48 454.25 Td (swaps. ) Tj ET Q q 0 0 0 rg BT 300.67 454.25 Td (The ) Tj ET Q q 0 0 0 rg BT 318.63 454.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 339.37 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.11 454.25 Td (total ) Tj ET Q q 0 0 0 rg BT 370.30 454.25 Td (shareholders' ) Tj ET Q q 0 0 0 rg BT 425.06 454.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 452.46 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 462.66 454.25 Td (total ) Tj ET Q q 0 0 0 rg BT 482.85 454.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 508.59 454.25 Td (was ) Tj ET Q q 0 0 0 rg BT 526.56 454.25 Td (9.30% ) Tj ET Q q 0 0 0 rg BT 554.80 454.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.76 442.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 133.93 442.25 Td (which ) Tj ET Q q 0 0 0 rg BT 161.05 442.25 Td (compares ) Tj ET Q q 0 0 0 rg BT 202.04 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.49 442.25 Td (8.96% ) Tj ET Q q 0 0 0 rg BT 241.00 442.25 Td (at ) Tj ET Q q 0 0 0 rg BT 250.89 442.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 309.65 442.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 334.63 442.25 Td (T) Tj ET Q q 0 0 0 rg BT 340.04 442.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 372.15 442.25 Td (book ) Tj ET Q q 0 0 0 rg BT 394.82 442.25 Td (value ) Tj ET Q q 0 0 0 rg BT 419.15 442.25 Td (per ) Tj ET Q q 0 0 0 rg BT 434.59 442.25 Td (common ) Tj ET Q q 0 0 0 rg BT 472.26 442.25 Td (share ) Tj ET Q q 0 0 0 rg BT 496.04 442.25 Td (at ) Tj ET Q q 0 0 0 rg BT 505.93 442.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 72.50 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 89.44 430.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 111.94 430.25 Td (was ) Tj ET Q q 0 0 0 rg BT 129.99 430.25 Td ($22.06 ) Tj ET Q q 0 0 0 rg BT 159.99 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 176.93 430.25 Td ($20.59, ) Tj ET Q q 0 0 0 rg BT 209.43 430.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 257.09 430.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 412.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.72 412.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.00 412.25 Td (is ) Tj ET Q q 0 0 0 rg BT 119.84 412.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 150.33 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 160.28 412.25 Td (various ) Tj ET Q q 0 0 0 rg BT 191.89 412.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 235.15 412.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 263.97 412.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 318.35 412.25 Td (administered ) Tj ET Q q 0 0 0 rg BT 372.17 412.25 Td (by ) Tj ET Q q 0 0 0 rg BT 384.34 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.73 412.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 428.65 412.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 463.04 412.25 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 502.13 412.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 532.63 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 542.58 412.25 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 91.61 400.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 120.98 400.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 175.90 400.25 Td (can ) Tj ET Q q 0 0 0 rg BT 192.49 400.25 Td (initiate ) Tj ET Q q 0 0 0 rg BT 222.98 400.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 252.90 400.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 298.38 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.53 400.25 Td (possibly ) Tj ET Q q 0 0 0 rg BT 351.59 400.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 394.30 400.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 449.22 400.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 480.26 400.25 Td (by ) Tj ET Q q 0 0 0 rg BT 492.98 400.25 Td (regulators ) Tj ET Q q 0 0 0 rg BT 535.68 400.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 555.89 400.25 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 99.57 388.25 Td (could ) Tj ET Q q 0 0 0 rg BT 124.44 388.25 Td (have ) Tj ET Q q 0 0 0 rg BT 145.96 388.25 Td (a ) Tj ET Q q 0 0 0 rg BT 153.05 388.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 178.46 388.25 Td (material ) Tj ET Q q 0 0 0 rg BT 213.87 388.25 Td (ef) Tj ET Q q 0 0 0 rg BT 221.46 388.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 239.09 388.25 Td (on ) Tj ET Q q 0 0 0 rg BT 251.74 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 266.61 388.25 Td (Company) Tj ET Q q 0 0 0 rg BT 308.27 388.25 Td (s ) Tj ET Q q 0 0 0 rg BT 314.81 388.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 352.44 388.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 399.22 388.25 Td (At ) Tj ET Q q 0 0 0 rg BT 411.87 388.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 470.60 388.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 495.75 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.62 388.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 534.37 388.25 Td (met ) Tj ET Q q 0 0 0 rg BT 552.02 388.25 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.81 376.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 118.72 376.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 173.09 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.02 376.25 Td (which ) Tj ET Q q 0 0 0 rg BT 209.62 376.25 Td (it ) Tj ET Q q 0 0 0 rg BT 217.34 376.25 Td (was ) Tj ET Q q 0 0 0 rg BT 235.05 376.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 265.53 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 282.13 376.25 Td (exceeded ) Tj ET Q q 0 0 0 rg BT 321.48 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.86 376.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 379.11 376.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 420.17 376.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 448.98 376.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 474.46 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 484.40 376.25 Td (be ) Tj ET Q q 0 0 0 rg BT 496.00 376.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 541.47 376.25 Td (well-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 95.55 364.25 Td (under ) Tj ET Q q 0 0 0 rg BT 120.57 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.03 364.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 178.37 364.25 Td (framework. ) Tj ET Q q 0 0 0 rg BT 226.49 364.25 Td (At ) Tj ET Q q 0 0 0 rg BT 238.73 364.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 297.06 364.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 321.81 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.27 364.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 360.16 364.25 Td (s ) Tj ET Q q 0 0 0 rg BT 366.30 364.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 386.87 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 397.44 364.25 Td (total ) Tj ET Q q 0 0 0 rg BT 417.46 364.25 Td (common ) Tj ET Q q 0 0 0 rg BT 454.70 364.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 481.95 364.25 Td (tier ) Tj ET Q q 0 0 0 rg BT 497.52 364.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 504.76 364.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 533.66 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 543.68 364.25 Td (risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 89.11 352.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.90 352.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.91 352.25 Td (1) Tj ET Q q 0 0 0 rg BT 137.54 352.25 Td (1.56%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.37 352.25 Td (, ) Tj ET Q q 0 0 0 rg BT 168.33 352.25 Td (total ) Tj ET Q q 0 0 0 rg BT 188.56 352.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 217.67 352.25 Td (to ) Tj ET Q q 0 0 0 rg BT 227.90 352.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 285.34 352.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 311.13 352.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.14 352.25 Td (12.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.97 352.25 Td (, ) Tj ET Q q 0 0 0 rg BT 364.75 352.25 Td (T) Tj ET Q q 0 0 0 rg BT 370.51 352.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 383.51 352.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 390.97 352.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 420.08 352.25 Td (to ) Tj ET Q q 0 0 0 rg BT 430.31 352.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 487.76 352.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 513.54 352.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.55 352.25 Td (1) Tj ET Q q 0 0 0 rg BT 536.18 352.25 Td (1.56%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 340.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.51 340.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 85.56 340.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 93.06 340.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 122.21 340.25 Td (to ) Tj ET Q q 0 0 0 rg BT 132.49 340.25 Td (average ) Tj ET Q q 0 0 0 rg BT 166.07 340.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 191.90 340.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.96 340.25 Td (10.14%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.79 340.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 322.25 Td (In ) Tj ET Q q 0 0 0 rg BT 81.52 322.25 Td (July2013, ) Tj ET Q q 0 0 0 rg BT 126.38 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.79 322.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 174.96 322.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 210.36 322.25 Td (published ) Tj ET Q q 0 0 0 rg BT 252.44 322.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 277.84 322.25 Td (III ) Tj ET Q q 0 0 0 rg BT 291.02 322.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 313.65 322.25 Td (establishing ) Tj ET Q q 0 0 0 rg BT 364.61 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 372.24 322.25 Td (new ) Tj ET Q q 0 0 0 rg BT 392.09 322.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 455.81 322.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 485.66 322.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 532.71 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 544.23 322.25 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.41 310.25 Td (or) Tj ET Q q 0 0 0 rg BT 92.56 310.25 Td (ganizations. ) Tj ET Q q 0 0 0 rg BT 142.79 310.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 169.97 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 184.38 310.25 Td (rules, ) Tj ET Q q 0 0 0 rg BT 208.51 310.25 Td (ef) Tj ET Q q 0 0 0 rg BT 216.10 310.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 245.49 310.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 288.78 310.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 310.97 310.25 Td (for ) Tj ET Q q 0 0 0 rg BT 324.83 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 339.23 310.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 380.31 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 396.94 310.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 422.74 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.15 310.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 478.23 310.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 507.07 310.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 531.48 310.25 Td (became ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (a\) ) Tj ET Q q 0 0 0 rg BT 60.21 298.25 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 83.49 298.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 127.60 298.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 156.53 298.25 Td (T) Tj ET Q q 0 0 0 rg BT 162.28 298.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 175.27 298.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 187.16 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 197.38 298.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 254.81 298.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 283.08 298.25 Td (b\) ) Tj ET Q q 0 0 0 rg BT 293.86 298.25 Td (6.0% ) Tj ET Q q 0 0 0 rg BT 316.95 298.25 Td (T) Tj ET Q q 0 0 0 rg BT 322.71 298.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 335.70 298.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 343.15 298.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 372.24 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 382.46 298.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 399.91 298.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 439.00 298.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 464.78 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.66 298.25 Td (c\) ) Tj ET Q q 0 0 0 rg BT 491.87 298.25 Td (8.0% ) Tj ET Q q 0 0 0 rg BT 515.15 298.25 Td (total ) Tj ET Q q 0 0 0 rg BT 535.36 298.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.07 286.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 117.34 286.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 145.46 286.25 Td (In ) Tj ET Q q 0 0 0 rg BT 156.08 286.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 193.65 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.15 286.25 Td (new ) Tj ET Q q 0 0 0 rg BT 227.10 286.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 273.83 286.25 Td (imposed ) Tj ET Q q 0 0 0 rg BT 310.00 286.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 339.50 286.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 384.57 286.25 Td (on ) Tj ET Q q 0 0 0 rg BT 396.86 286.25 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 440.53 286.25 Td (share ) Tj ET Q q 0 0 0 rg BT 463.92 286.25 Td (buy-backs, ) Tj ET Q q 0 0 0 rg BT 509.81 286.25 Td (discretionary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 91.40 274.25 Td (on ) Tj ET Q q 0 0 0 rg BT 104.25 274.25 Td (T) Tj ET Q q 0 0 0 rg BT 110.01 274.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 123.63 274.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 131.70 274.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 181.44 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 198.95 274.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 254.22 274.25 Td (bonuses ) Tj ET Q q 0 0 0 rg BT 289.52 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 300.37 274.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 341.75 274.25 Td (of) Tj ET Q q 0 0 0 rg BT 349.90 274.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 375.18 274.25 Td (if ) Tj ET Q q 0 0 0 rg BT 384.36 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.65 274.25 Td (or) Tj ET Q q 0 0 0 rg BT 407.80 274.25 Td (ganization ) Tj ET Q q 0 0 0 rg BT 452.52 274.25 Td (does ) Tj ET Q q 0 0 0 rg BT 473.93 274.25 Td (not ) Tj ET Q q 0 0 0 rg BT 489.78 274.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 527.84 274.25 Td (a ) Tj ET Q q 0 0 0 rg BT 535.35 274.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 103.47 262.25 Td (buf) Tj ET Q q 0 0 0 rg BT 116.62 262.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 130.09 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 144.13 262.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 187.59 262.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 204.97 262.25 Td (based ) Tj ET Q q 0 0 0 rg BT 230.11 262.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 259.14 262.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 283.73 262.25 Td (in ) Tj ET Q q 0 0 0 rg BT 293.88 262.25 Td (an ) Tj ET Q q 0 0 0 rg BT 305.69 262.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 338.06 262.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 368.19 262.25 Td (than ) Tj ET Q q 0 0 0 rg BT 387.78 262.25 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 410.99 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 421.69 262.25 Td (its ) Tj ET Q q 0 0 0 rg BT 433.51 262.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 490.87 262.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 519.08 262.25 Td (in ) Tj ET Q q 0 0 0 rg BT 529.23 262.25 Td (addition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.19 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.82 250.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 107.23 250.25 Td (needed ) Tj ET Q q 0 0 0 rg BT 137.96 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 148.15 250.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 170.00 250.25 Td (its ) Tj ET Q q 0 0 0 rg BT 181.86 250.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 223.17 250.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 266.68 250.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 295.74 250.25 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 352.86 250.25 Td (phased ) Tj ET Q q 0 0 0 rg BT 383.04 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.23 250.25 Td (over ) Tj ET Q q 0 0 0 rg BT 413.41 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 420.27 250.25 Td (5 ) Tj ET Q q 0 0 0 rg BT 427.68 250.25 Td (year ) Tj ET Q q 0 0 0 rg BT 447.30 250.25 Td (period ) Tj ET Q q 0 0 0 rg BT 475.26 250.25 Td (until ) Tj ET Q q 0 0 0 rg BT 496.01 250.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 539.52 250.25 Td (2019. ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 50.00 245.18 514.51 -9.09 re f /GS0 gs q 0 0 0 rg BT 50.00 238.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.20 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 73.62 238.25 Td (December ) Tj ET Q q 0 0 0 rg BT 116.79 238.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 131.38 238.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 155.97 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.28 238.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 223.46 238.25 Td (buf) Tj ET Q q 0 0 0 rg BT 236.61 238.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 249.80 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.66 238.25 Td (be ) Tj ET Q q 0 0 0 rg BT 271.19 238.25 Td (added ) Tj ET Q q 0 0 0 rg BT 297.16 238.25 Td (was ) Tj ET Q q 0 0 0 rg BT 314.80 238.25 Td (1.875%, ) Tj ET Q q 0 0 0 rg BT 350.22 238.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 393.40 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.27 238.25 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 426.19 238.25 Td (on ) Tj ET Q q 0 0 0 rg BT 438.27 238.25 Td (January ) Tj ET Q q 0 0 0 rg BT 471.46 238.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 481.05 238.25 Td (2019. ) Tj ET Q q 0 0 0 rg BT 505.49 238.25 Td (The ) Tj ET Q q 0 0 0 rg BT 523.12 238.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 50.00 233.18 514.51 -9.09 re f /GS0 gs q 0 0 0 rg BT 50.00 226.25 Td (has ) Tj ET Q q 0 0 0 rg BT 65.61 226.25 Td (met ) Tj ET Q q 0 0 0 rg BT 82.88 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 97.37 226.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 137.40 226.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 166.32 226.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 220.80 226.25 Td (at ) Tj ET Q q 0 0 0 rg BT 230.29 226.25 Td (December ) Tj ET Q q 0 0 0 rg BT 273.65 226.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 288.43 226.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 310.70 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 327.42 226.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 362.46 226.25 Td (it ) Tj ET Q q 0 0 0 rg BT 370.29 226.25 Td (is ) Tj ET Q q 0 0 0 rg BT 379.23 226.25 Td (well ) Tj ET Q q 0 0 0 rg BT 398.73 226.25 Td (positioned ) Tj ET Q q 0 0 0 rg BT 442.67 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 452.72 226.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 474.43 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 488.92 226.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 511.20 226.25 Td (requirement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 208.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.95 208.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 133.77 208.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 158.99 208.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.94 208.25 Td (Company) Tj ET Q q 0 0 0 rg BT 215.60 208.25 Td (s ) Tj ET Q q 0 0 0 rg BT 222.22 208.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 249.38 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.43 208.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 300.37 208.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 336.95 208.25 Td (a ) Tj ET Q q 0 0 0 rg BT 344.12 208.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 369.34 208.25 Td (per ) Tj ET Q q 0 0 0 rg BT 384.83 208.25 Td (share ) Tj ET Q q 0 0 0 rg BT 408.66 208.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 429.15 208.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 469.37 208.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 503.19 208.25 Td (March8, ) Tj ET Q q 0 0 0 rg BT 542.01 208.25 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.07 196.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 112.89 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.51 196.25 Td (record ) Tj ET Q q 0 0 0 rg BT 151.34 196.25 Td (on ) Tj ET Q q 0 0 0 rg BT 163.63 196.25 Td (February26, ) Tj ET Q q 0 0 0 rg BT 217.02 196.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 241.80 196.25 Td (On ) Tj ET Q q 0 0 0 rg BT 255.81 196.25 Td (April25, ) Tj ET Q q 0 0 0 rg BT 294.21 196.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 319.00 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.50 196.25 Td (Company) Tj ET Q q 0 0 0 rg BT 375.17 196.25 Td (s ) Tj ET Q q 0 0 0 rg BT 381.35 196.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 408.08 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 418.69 196.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 458.19 196.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 494.34 196.25 Td (a ) Tj ET Q q 0 0 0 rg BT 501.07 196.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 525.86 196.25 Td (per ) Tj ET Q q 0 0 0 rg BT 540.92 196.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.96 184.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 111.64 184.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 145.92 184.25 Td (May25, ) Tj ET Q q 0 0 0 rg BT 182.44 184.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 205.63 184.25 Td (to ) Tj ET Q q 0 0 0 rg BT 216.59 184.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 270.32 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 281.83 184.25 Td (record ) Tj ET Q q 0 0 0 rg BT 310.56 184.25 Td (on ) Tj ET Q q 0 0 0 rg BT 323.75 184.25 Td (May15, ) Tj ET Q q 0 0 0 rg BT 360.26 184.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 385.95 184.25 Td (On ) Tj ET Q q 0 0 0 rg BT 401.36 184.25 Td (July26, ) Tj ET Q q 0 0 0 rg BT 436.22 184.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 461.90 184.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.31 184.25 Td (Company) Tj ET Q q 0 0 0 rg BT 518.97 184.25 Td (s ) Tj ET Q q 0 0 0 rg BT 526.05 184.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 553.68 184.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 90.00 172.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 126.66 172.25 Td (a ) Tj ET Q q 0 0 0 rg BT 133.89 172.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 159.19 172.25 Td (per ) Tj ET Q q 0 0 0 rg BT 174.75 172.25 Td (share ) Tj ET Q q 0 0 0 rg BT 198.65 172.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 219.21 172.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 259.50 172.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 292.77 172.25 Td (August27, ) Tj ET Q q 0 0 0 rg BT 339.46 172.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 362.26 172.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.83 172.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 426.16 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 437.29 172.25 Td (record ) Tj ET Q q 0 0 0 rg BT 465.62 172.25 Td (on ) Tj ET Q q 0 0 0 rg BT 477.80 172.25 Td (August17, ) Tj ET Q q 0 0 0 rg BT 524.49 172.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 549.78 172.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (October ) Tj ET Q q 0 0 0 rg BT 85.04 160.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 100.38 160.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 125.71 160.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.77 160.25 Td (Company) Tj ET Q q 0 0 0 rg BT 182.43 160.25 Td (s ) Tj ET Q q 0 0 0 rg BT 189.16 160.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 216.43 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.60 160.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 267.64 160.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 304.34 160.25 Td (a ) Tj ET Q q 0 0 0 rg BT 311.62 160.25 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 336.95 160.25 Td (per ) Tj ET Q q 0 0 0 rg BT 352.56 160.25 Td (share ) Tj ET Q q 0 0 0 rg BT 376.49 160.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 397.10 160.25 Td (dividend, ) Tj ET Q q 0 0 0 rg BT 437.43 160.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 471.36 160.25 Td (November26, ) Tj ET Q q 0 0 0 rg BT 531.40 160.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 554.24 160.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 105.14 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.08 148.25 Td (record ) Tj ET Q q 0 0 0 rg BT 148.22 148.25 Td (on ) Tj ET Q q 0 0 0 rg BT 162.82 148.25 Td (November16, ) Tj ET Q q 0 0 0 rg BT 224.63 148.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 251.41 148.25 Td (W) Tj ET Q q 0 0 0 rg BT 260.04 148.25 Td (e ) Tj ET Q q 0 0 0 rg BT 269.09 148.25 Td (did ) Tj ET Q q 0 0 0 rg BT 286.47 148.25 Td (not ) Tj ET Q q 0 0 0 rg BT 303.85 148.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 351.76 148.25 Td (any ) Tj ET Q q 0 0 0 rg BT 370.81 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.74 148.25 Td (our ) Tj ET Q q 0 0 0 rg BT 401.67 148.25 Td (common ) Tj ET Q q 0 0 0 rg BT 441.27 148.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 466.99 148.25 Td (during ) Tj ET Q q 0 0 0 rg BT 497.70 148.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 538.12 148.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 136.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 133.58 136.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 158.58 136.25 Td (or ) Tj ET Q q 0 0 0 rg BT 169.41 136.25 Td (2016.) 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 (55) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Contractual Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.37 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 130.09 724.25 Td (table ) Tj ET Q q 0 0 0 rg BT 152.35 724.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 202.94 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 219.10 724.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 266.34 724.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 313.61 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 324.22 724.25 Td (make ) Tj ET Q q 0 0 0 rg BT 348.70 724.25 Td (future ) Tj ET Q q 0 0 0 rg BT 375.41 724.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 416.56 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 427.71 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 438.87 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 497.78 724.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 523.11 724.25 Td (Payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.12 712.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 110.13 712.25 Td (do ) Tj ET Q q 0 0 0 rg BT 121.59 712.25 Td (not ) Tj ET Q q 0 0 0 rg BT 135.83 712.25 Td (include ) Tj ET Q q 0 0 0 rg BT 166.72 712.25 Td (interest. ) Tj ET Q q 0 0 0 rg BT 200.11 712.25 Td (Payments ) Tj ET Q q 0 0 0 rg BT 240.46 712.25 Td (related ) Tj ET Q q 0 0 0 rg BT 269.12 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 278.36 712.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 303.69 712.25 Td (are ) Tj ET Q q 0 0 0 rg BT 317.36 712.25 Td (based ) Tj ET Q q 0 0 0 rg BT 341.58 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 353.04 712.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 378.38 712.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 418.16 712.25 Td (specified ) Tj ET Q q 0 0 0 rg BT 455.71 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 464.95 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 478.63 712.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 523.41 712.25 Td (contracts.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 682.75 m 346.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 682.75 m 350.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 682.75 m 400.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 682.75 m 404.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 682.75 m 454.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 682.75 m 458.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 682.75 m 508.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 682.75 m 512.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 682.75 m 562.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 661.75 m 346.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 661.75 m 400.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 661.75 m 454.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 661.75 m 508.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 661.75 m 562.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 574.75 m 400.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 574.75 m 454.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 574.75 m 508.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 574.75 m 562.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 574.75 m 346.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 560.75 m 346.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 558.75 m 346.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 574.75 m 400.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 560.75 m 400.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 558.75 m 400.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 574.75 m 454.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 560.75 m 454.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 558.75 m 454.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 574.75 m 508.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 560.75 m 508.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 558.75 m 508.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 574.75 m 562.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 560.75 m 562.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 558.75 m 562.5 558.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.85 686.98 Td (Payments Due by Period) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.25 665.98 Td (T) Tj ET Q q 0 0 0 rg BT 316.85 665.98 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 357.35 673.98 Td (Less ) Tj ET Q q 0 0 0 rg BT 374.32 673.98 Td (Than) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.20 665.98 Td (1 ) Tj ET Q q 0 0 0 rg BT 369.90 665.98 Td (Y) Tj ET Q q 0 0 0 rg BT 374.79 665.98 Td (ear) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 673.98 Td (13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.40 665.98 Td (Y) Tj ET Q q 0 0 0 rg BT 424.29 665.98 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.00 673.98 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 473.40 665.98 Td (Y) Tj ET Q q 0 0 0 rg BT 478.29 665.98 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.95 673.98 Td (After) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.55 665.98 Td (5 ) Tj ET Q q 0 0 0 rg BT 530.25 665.98 Td (Y) Tj ET Q q 0 0 0 rg BT 535.14 665.98 Td (ears) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 405.10 652.98 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 639.43 Td (Contractual Obligations:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 624.42 Td (FHLB advances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 624.32 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 624.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 624.42 Td (160,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 624.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 624.42 Td (135,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 624.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 624.42 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 624.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 624.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 624.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 624.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 609.42 Td (Subordinated Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.50 609.32 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 609.42 Td (25,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.65 609.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 609.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 609.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 609.42 Td (25,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 594.42 Td (Operating lease agreements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.50 594.32 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 594.42 Td (23,703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 594.42 Td (1,972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 594.42 Td (3,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 594.42 Td (2,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 594.42 Td (15,898) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 579.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 579.42 Td (ime deposits with stated maturity dates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 579.32 Td (............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 579.42 Td (614,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 579.42 Td (41) Tj ET Q q 0 0 0 rg BT 374.10 579.42 Td (1,818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 579.42 Td (202,067) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 579.42 Td (837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 579.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 564.42 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 564.42 Td (otal contractual obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.50 564.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 564.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 564.42 Td (823,925) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 564.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 564.42 Td (548,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 564.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.10 564.42 Td (230,648) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 564.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 564.42 Td (3,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 564.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 564.42 Td (41,398) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 542.25 Td (Off-Balance Sheet Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 524.25 Td (In ) Tj ET Q q 0 0 0 rg BT 81.24 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 96.37 524.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 127.60 524.25 Td (course ) Tj ET Q q 0 0 0 rg BT 156.61 524.25 Td (of ) Tj ET Q q 0 0 0 rg BT 167.85 524.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 207.15 524.25 Td (we ) Tj ET Q q 0 0 0 rg BT 221.72 524.25 Td (are ) Tj ET Q q 0 0 0 rg BT 236.83 524.25 Td (a ) Tj ET Q q 0 0 0 rg BT 244.18 524.25 Td (party ) Tj ET Q q 0 0 0 rg BT 267.64 524.25 Td (to ) Tj ET Q q 0 0 0 rg BT 278.32 524.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 316.21 524.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 365.79 524.25 Td (with ) Tj ET Q q 0 0 0 rg BT 386.48 524.25 Td (of) Tj ET Q q 0 0 0 rg BT 394.63 524.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 434.73 524.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 458.18 524.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 476.09 524.25 Td (to ) Tj ET Q q 0 0 0 rg BT 486.78 524.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 509.12 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 524.25 Td (financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 74.19 512.25 Td (of ) Tj ET Q q 0 0 0 rg BT 83.95 512.25 Td (our ) Tj ET Q q 0 0 0 rg BT 98.70 512.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 143.07 512.25 Td (These ) Tj ET Q q 0 0 0 rg BT 168.37 512.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 204.77 512.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 252.86 512.25 Td (include ) Tj ET Q q 0 0 0 rg BT 283.72 512.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 339.58 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 348.78 512.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 376.86 512.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.04 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 416.91 512.25 Td (involve, ) Tj ET Q q 0 0 0 rg BT 450.82 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 460.03 512.25 Td (varying ) Tj ET Q q 0 0 0 rg BT 492.00 512.25 Td (degrees, ) Tj ET Q q 0 0 0 rg BT 526.46 512.25 Td (elements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.96 500.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 86.36 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 103.43 500.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.50 500.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 153.12 500.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 170.75 500.25 Td (in ) Tj ET Q q 0 0 0 rg BT 181.16 500.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 209.89 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.86 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.71 500.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 272.23 500.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 318.72 500.25 Td (in ) Tj ET Q q 0 0 0 rg BT 329.14 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.99 500.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 381.60 500.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 428.75 500.25 Td (The ) Tj ET Q q 0 0 0 rg BT 446.93 500.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 493.99 500.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 530.51 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 541.47 500.25 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 99.17 488.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 127.20 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.91 488.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 168.85 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 179.68 488.25 Td (involvement ) Tj ET Q q 0 0 0 rg BT 232.17 488.25 Td (we ) Tj ET Q q 0 0 0 rg BT 246.33 488.25 Td (have ) Tj ET Q q 0 0 0 rg BT 267.71 488.25 Td (in ) Tj ET Q q 0 0 0 rg BT 277.98 488.25 Td (particular ) Tj ET Q q 0 0 0 rg BT 318.79 488.25 Td (classes ) Tj ET Q q 0 0 0 rg BT 349.06 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.89 488.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 397.37 488.25 Td (instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 470.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 470.25 Td (e ) Tj ET Q q 0 0 0 rg BT 86.59 470.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 110.10 470.25 Td (into ) Tj ET Q q 0 0 0 rg BT 129.17 470.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 177.11 470.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 235.07 470.25 Td (to ) Tj ET Q q 0 0 0 rg BT 246.36 470.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 276.54 470.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 305.32 470.25 Td (normally ) Tj ET Q q 0 0 0 rg BT 344.94 470.25 Td (with ) Tj ET Q q 0 0 0 rg BT 366.24 470.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 390.30 470.25 Td (expiration ) Tj ET Q q 0 0 0 rg BT 434.36 470.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 458.43 470.25 Td (or ) Tj ET Q q 0 0 0 rg BT 470.27 470.25 Td (termination ) Tj ET Q q 0 0 0 rg BT 519.89 470.25 Td (clauses, ) Tj ET Q q 0 0 0 rg BT 554.79 470.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.25 Td (specified ) Tj ET Q q 0 0 0 rg BT 87.46 458.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 107.71 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 123.52 458.25 Td (for ) Tj ET Q q 0 0 0 rg BT 136.55 458.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 169.01 458.25 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 208.43 458.25 Td (Substantially ) Tj ET Q q 0 0 0 rg BT 262.02 458.25 Td (all ) Tj ET Q q 0 0 0 rg BT 273.39 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.09 458.25 Td (the ) Tj ET Q q 0 0 0 rg BT 296.67 458.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 320.56 458.25 Td (s ) Tj ET Q q 0 0 0 rg BT 325.82 458.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 381.63 458.25 Td (to ) Tj ET Q q 0 0 0 rg BT 390.78 458.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 418.80 458.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 442.94 458.25 Td (are ) Tj ET Q q 0 0 0 rg BT 456.51 458.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 500.10 458.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 521.46 458.25 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 99.42 446.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 132.17 446.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 156.58 446.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 196.01 446.25 Td (at ) Tj ET Q q 0 0 0 rg BT 204.88 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 218.75 446.25 Td (time ) Tj ET Q q 0 0 0 rg BT 238.17 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.15 446.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 267.02 446.25 Td (funding. ) Tj ET Q q 0 0 0 rg BT 302.17 446.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.37 446.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 342.13 446.25 Td (minimizes ) Tj ET Q q 0 0 0 rg BT 385.44 446.25 Td (its ) Tj ET Q q 0 0 0 rg BT 396.54 446.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 434.29 446.25 Td (to ) Tj ET Q q 0 0 0 rg BT 443.72 446.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 460.94 446.25 Td (under ) Tj ET Q q 0 0 0 rg BT 485.36 446.25 Td (these ) Tj ET Q q 0 0 0 rg BT 507.56 446.25 Td (commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 434.25 Td (subjecting ) Tj ET Q q 0 0 0 rg BT 106.10 434.25 Td (them ) Tj ET Q q 0 0 0 rg BT 128.60 434.25 Td (to ) Tj ET Q q 0 0 0 rg BT 138.88 434.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 164.14 434.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 201.63 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 218.56 434.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 265.51 434.25 Td (procedures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 416.25 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 128.99 416.25 Td (to ) Tj ET Q q 0 0 0 rg BT 139.08 416.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 168.06 416.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.14 416.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.67 416.25 Td ($266.3 ) Tj ET Q q 0 0 0 rg BT 252.49 416.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.38 416.25 Td ( ) Tj ET Q q 0 0 0 rg BT 283.70 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 300.46 416.25 Td ($200.3million, ) Tj ET Q q 0 0 0 rg BT 364.17 416.25 Td (respectively ) Tj ET Q q 0 0 0 rg BT 414.79 416.25 Td (at ) Tj ET Q q 0 0 0 rg BT 424.33 416.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 482.73 416.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 505.05 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 521.81 416.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 546.46 416.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.25 Td (following ) Tj ET Q q 0 0 0 rg BT 90.79 404.25 Td (table ) Tj ET Q q 0 0 0 rg BT 112.13 404.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 161.80 404.25 Td (our ) Tj ET Q q 0 0 0 rg BT 177.04 404.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 233.39 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.07 404.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 271.63 404.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 296.30 404.25 Td (as ) Tj ET Q q 0 0 0 rg BT 306.54 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.78 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.90 404.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 353.35 404.25 Td (indicated. ) Tj ET Q q 0 0 0 rg BT 394.41 404.25 Td (Since ) Tj ET Q q 0 0 0 rg BT 418.54 404.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 474.88 404.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 517.88 404.25 Td (with ) Tj ET Q q 0 0 0 rg BT 537.57 404.25 Td (letters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.32 392.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 87.08 392.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.52 392.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 161.95 392.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.72 392.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 202.37 392.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 228.13 392.25 Td (may ) Tj ET Q q 0 0 0 rg BT 248.34 392.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 276.32 392.25 Td (unused, ) Tj ET Q q 0 0 0 rg BT 310.15 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 325.36 392.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 362.24 392.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 391.35 392.25 Td (do ) Tj ET Q q 0 0 0 rg BT 404.34 392.25 Td (not ) Tj ET Q q 0 0 0 rg BT 420.11 392.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 467.53 392.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 496.06 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.27 392.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 538.14 392.25 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.96 380.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 103.25 380.25 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 160.14 380.25 Td (In ) Tj ET Q q 0 0 0 rg BT 170.66 380.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 208.12 380.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 250.85 380.25 Td (may ) Tj ET Q q 0 0 0 rg BT 270.25 380.25 Td (be ) Tj ET Q q 0 0 0 rg BT 281.88 380.25 Td (required ) Tj ET Q q 0 0 0 rg BT 317.38 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 327.35 380.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 348.97 380.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 378.36 380.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 431.07 380.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 485.46 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.42 380.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 532.05 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 542.01 380.25 Td (draw ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.25 Td (on ) Tj ET Q q 0 0 0 rg BT 61.73 368.25 Td (these ) Tj ET Q q 0 0 0 rg BT 84.00 368.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 142.54 368.25 Td (W) Tj ET Q q 0 0 0 rg BT 151.17 368.25 Td (e ) Tj ET Q q 0 0 0 rg BT 157.34 368.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 190.16 368.25 Td (our ) Tj ET Q q 0 0 0 rg BT 205.21 368.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 240.83 368.25 Td (in ) Tj ET Q q 0 0 0 rg BT 250.33 368.25 Td (light ) Tj ET Q q 0 0 0 rg BT 270.39 368.25 Td (of ) Tj ET Q q 0 0 0 rg BT 280.45 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 294.39 368.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 334.98 368.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 370.59 368.25 Td (of ) Tj ET Q q 0 0 0 rg BT 380.64 368.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 436.81 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.31 368.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 474.69 368.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.18 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.34 368.25 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.25 Td (standby ) Tj ET Q q 0 0 0 rg BT 82.44 356.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 108.21 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 117.87 356.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 141.97 356.25 Td (in ) Tj ET Q q 0 0 0 rg BT 151.08 356.25 Td (ef) Tj ET Q q 0 0 0 rg BT 158.67 356.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 174.99 356.25 Td (from ) Tj ET Q q 0 0 0 rg BT 195.76 356.25 Td (time ) Tj ET Q q 0 0 0 rg BT 214.86 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 223.97 356.25 Td (time ) Tj ET Q q 0 0 0 rg BT 243.08 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 252.19 356.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 279.62 356.25 Td (that ) Tj ET Q q 0 0 0 rg BT 295.95 356.25 Td (we ) Tj ET Q q 0 0 0 rg BT 308.95 356.25 Td (will ) Tj ET Q q 0 0 0 rg BT 325.83 356.25 Td (have ) Tj ET Q q 0 0 0 rg BT 346.04 356.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 382.91 356.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 414.23 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.90 356.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 459.12 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.23 356.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 487.90 356.25 Td (such ) Tj ET Q q 0 0 0 rg BT 507.56 356.25 Td (commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 344.25 Td (honor ) Tj ET Q q 0 0 0 rg BT 92.77 344.25 Td (drafts ) Tj ET Q q 0 0 0 rg BT 118.04 344.25 Td (under ) Tj ET Q q 0 0 0 rg BT 143.31 344.25 Td (such ) Tj ET Q q 0 0 0 rg BT 164.14 344.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 191.07 344.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.90 344.25 Td (credit.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 326.25 Td (As of December) Tj ET Q q 0 0 0 rg BT 117.57 326.25 Td (31, 2018) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 297.75 m 346.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 297.75 m 350.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 297.75 m 400.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 297.75 m 404.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 297.75 m 454.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 297.75 m 458.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 297.75 m 508.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 297.75 m 512.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 297.75 m 562.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 273.75 m 346.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 273.75 m 400.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 273.75 m 454.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 273.75 m 508.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 273.75 m 562.5 273.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 206.75 m 296.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 206.75 m 400.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 206.75 m 454.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 206.75 m 508.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 206.75 m 562.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 206.75 m 346.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 193.75 m 346.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 191.75 m 346.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 206.75 m 400.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 193.75 m 400.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 191.75 m 400.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 206.75 m 454.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 193.75 m 454.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 191.75 m 454.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 206.75 m 508.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 193.75 m 508.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 191.75 m 508.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 206.75 m 562.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 193.75 m 562.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 191.75 m 562.5 191.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.50 301.83 Td (Amount of Commitment Expiration per) Tj ET Q q 0 0 0 rg BT 484.86 301.83 Td ( Period) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.25 277.98 Td (T) Tj ET Q q 0 0 0 rg BT 316.85 277.98 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 357.35 285.98 Td (Less ) Tj ET Q q 0 0 0 rg BT 374.32 285.98 Td (Than) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.20 277.98 Td (1 ) Tj ET Q q 0 0 0 rg BT 369.90 277.98 Td (Y) Tj ET Q q 0 0 0 rg BT 374.79 277.98 Td (ear) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 285.98 Td (13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.40 277.98 Td (Y) Tj ET Q q 0 0 0 rg BT 424.29 277.98 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.00 285.98 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 473.40 277.98 Td (Y) Tj ET Q q 0 0 0 rg BT 478.29 277.98 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.95 285.98 Td (After) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.55 277.98 Td (5 ) Tj ET Q q 0 0 0 rg BT 530.25 277.98 Td (Y) Tj ET Q q 0 0 0 rg BT 535.14 277.98 Td (ears) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 405.10 265.83 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 252.48 Td (Other) Tj ET Q q 0 0 0 rg BT 78.37 252.48 Td ( Commitments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 239.32 Td (Loan commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.00 239.32 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 239.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 239.32 Td (190,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 239.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 239.32 Td (100,1) Tj ET Q q 0 0 0 rg BT 386.60 239.32 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 239.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 239.32 Td (37,167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 239.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 239.32 Td (23,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 239.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 239.32 Td (29,644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 225.32 Td (Undisbursed construction loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.50 225.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 225.32 Td (68,151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 225.32 Td (6,906) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 225.32 Td (17,652) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 225.32 Td (23,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 225.32 Td (20,265) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 211.32 Td (Unused home equity lines of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.50 211.32 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 211.32 Td (7,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 211.32 Td (519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 211.32 Td (578) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 211.32 Td (210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 211.32 Td (6,138) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 197.32 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 197.32 Td (otal other commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.00 197.32 Td (................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 197.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 197.32 Td (266,257) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 197.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 197.32 Td (107,544) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 197.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 197.32 Td (55,397) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 197.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 197.32 Td (47,269) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 197.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 197.32 Td (56,047) 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 (56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (As of December) Tj ET Q q 0 0 0 rg BT 117.57 742.25 Td (31, 2017) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 718.75 m 346.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 718.75 m 350.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 718.75 m 400.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 718.75 m 404.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 718.75 m 454.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 718.75 m 458.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 718.75 m 508.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 718.75 m 512.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 718.75 m 562.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 697.75 m 346.5 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 697.75 m 400.5 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 697.75 m 454.5 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 697.75 m 508.5 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 697.75 m 562.5 697.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 625.75 m 296.5 625.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 625.75 m 346.5 625.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 625.75 m 400.5 625.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 625.75 m 454.5 625.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 625.75 m 508.5 625.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 625.75 m 562.5 625.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 611.75 m 346.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 609.75 m 346.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 611.75 m 400.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 609.75 m 400.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 611.75 m 454.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 609.75 m 454.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 611.75 m 508.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 609.75 m 508.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 611.75 m 562.5 611.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 609.75 m 562.5 609.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.50 722.98 Td (Amount of Commitment Expiration per) Tj ET Q q 0 0 0 rg BT 484.86 722.98 Td ( Period) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.25 701.98 Td (T) Tj ET Q q 0 0 0 rg BT 316.85 701.98 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 357.35 709.98 Td (Less ) Tj ET Q q 0 0 0 rg BT 374.32 709.98 Td (Than) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.20 701.98 Td (1 ) Tj ET Q q 0 0 0 rg BT 369.90 701.98 Td (Y) Tj ET Q q 0 0 0 rg BT 374.79 701.98 Td (ear) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 709.98 Td (13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.40 701.98 Td (Y) Tj ET Q q 0 0 0 rg BT 424.29 701.98 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.00 709.98 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 473.40 701.98 Td (Y) Tj ET Q q 0 0 0 rg BT 478.29 701.98 Td (ears) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.95 709.98 Td (After) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.55 701.98 Td (5 ) Tj ET Q q 0 0 0 rg BT 530.25 701.98 Td (Y) Tj ET Q q 0 0 0 rg BT 535.14 701.98 Td (ears) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 405.10 688.98 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 675.43 Td (Other) Tj ET Q q 0 0 0 rg BT 78.37 675.43 Td ( Commitments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 660.42 Td (Loan commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.00 660.32 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 660.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 660.42 Td (1) Tj ET Q q 0 0 0 rg BT 315.10 660.42 Td (12,649) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 660.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 660.42 Td (39,298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 660.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 660.42 Td (35,372) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 660.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 660.42 Td (3,708) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 660.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 660.42 Td (34,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 645.42 Td (Undisbursed construction loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.50 645.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 645.42 Td (80,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 645.42 Td (17,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 645.42 Td (6,441) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 645.42 Td (24,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 645.42 Td (31,178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 630.42 Td (Unused home equity lines of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.50 630.32 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 630.42 Td (7,573) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 630.42 Td (365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 630.42 Td (295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 630.42 Td (343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 630.42 Td (6,570) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 615.42 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 615.42 Td (otal other commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.00 615.32 Td (................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.00 615.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.10 615.42 Td (200,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 615.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 615.42 Td (57,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 615.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 615.42 Td (42,108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 615.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 615.42 Td (28,927) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.00 615.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 615.42 Td (72,019) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 587.25 Td (Recently Issued ) Tj ET Q q 0 0 0 rg BT 118.89 587.25 Td (Accounting Pr) Tj ET Q q 0 0 0 rg BT 180.65 587.25 Td (onouncements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 563.25 Td (See ) Tj ET Q q 0 0 0 rg BT 87.70 563.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 110.39 563.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 118.65 563.25 Td (to ) Tj ET Q q 0 0 0 rg BT 129.69 563.25 Td (our ) Tj ET Q q 0 0 0 rg BT 146.28 563.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 202.31 563.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 242.78 563.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 289.92 563.25 Td (for ) Tj ET Q q 0 0 0 rg BT 304.84 563.25 Td (details ) Tj ET Q q 0 0 0 rg BT 334.20 563.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.79 563.25 Td (recently ) Tj ET Q q 0 0 0 rg BT 381.25 563.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 409.51 563.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 456.64 563.25 Td (pronouncements ) Tj ET Q q 0 0 0 rg BT 525.99 563.25 Td (and ) Tj ET Q q 0 0 0 rg BT 543.69 563.25 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 551.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.03 551.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 117.74 551.25 Td (on ) Tj ET Q q 0 0 0 rg BT 130.24 551.25 Td (our ) Tj ET Q q 0 0 0 rg BT 146.07 551.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 183.55 551.25 Td (statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 527.25 Td (Item7A. ) Tj ET Q q 0 0 0 rg BT 104.00 527.25 Td (Quantitative and Qualitative Disclosur) Tj ET Q q 0 0 0 rg BT 269.10 527.25 Td (es ) Tj ET Q q 0 0 0 rg BT 279.38 527.25 Td (About Market Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 509.25 Td (Asset/Liability Management and Inter) Tj ET Q q 0 0 0 rg BT 213.43 509.25 Td (est Rate Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 491.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 491.25 Td (e ) Tj ET Q q 0 0 0 rg BT 84.56 491.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 121.36 491.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 154.28 491.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 172.75 491.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 191.23 491.25 Td (using ) Tj ET Q q 0 0 0 rg BT 216.38 491.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 262.09 491.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 297.79 491.25 Td (to ) Tj ET Q q 0 0 0 rg BT 309.05 491.25 Td (calculate ) Tj ET Q q 0 0 0 rg BT 348.06 491.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 385.42 491.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.35 491.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 431.83 491.25 Td (at ) Tj ET Q q 0 0 0 rg BT 442.53 491.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 463.26 491.25 Td (These ) Tj ET Q q 0 0 0 rg BT 490.62 491.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 509.10 491.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 549.79 491.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 479.25 Td (quantified ) Tj ET Q q 0 0 0 rg BT 92.74 479.25 Td (using ) Tj ET Q q 0 0 0 rg BT 116.61 479.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 161.04 479.25 Td (software ) Tj ET Q q 0 0 0 rg BT 197.67 479.25 Td (from ) Tj ET Q q 0 0 0 rg BT 219.31 479.25 Td (one ) Tj ET Q q 0 0 0 rg BT 235.95 479.25 Td (of ) Tj ET Q q 0 0 0 rg BT 246.48 479.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.90 479.25 Td (leading ) Tj ET Q q 0 0 0 rg BT 292.53 479.25 Td (firms ) Tj ET Q q 0 0 0 rg BT 315.84 479.25 Td (in ) Tj ET Q q 0 0 0 rg BT 325.82 479.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.24 479.25 Td (field ) Tj ET Q q 0 0 0 rg BT 360.76 479.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.29 479.25 Td (asset/liability ) Tj ET Q q 0 0 0 rg BT 426.82 479.25 Td (modeling. ) Tj ET Q q 0 0 0 rg BT 469.30 479.25 Td (Key ) Tj ET Q q 0 0 0 rg BT 488.16 479.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 539.81 479.25 Td (relate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 467.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.31 467.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.06 467.25 Td (behavior ) Tj ET Q q 0 0 0 rg BT 112.58 467.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.45 467.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 155.42 467.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 176.83 467.25 Td (and ) Tj ET Q q 0 0 0 rg BT 193.80 467.25 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 228.82 467.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 278.56 467.25 Td (speeds ) Tj ET Q q 0 0 0 rg BT 307.75 467.25 Td (and ) Tj ET Q q 0 0 0 rg BT 324.73 467.25 Td (the ) Tj ET Q q 0 0 0 rg BT 339.48 467.25 Td (run-of) Tj ET Q q 0 0 0 rg BT 364.29 467.25 Td (f ) Tj ET Q q 0 0 0 rg BT 370.15 467.25 Td (of ) Tj ET Q q 0 0 0 rg BT 381.02 467.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 418.83 467.25 Td (From ) Tj ET Q q 0 0 0 rg BT 443.03 467.25 Td (such ) Tj ET Q q 0 0 0 rg BT 463.90 467.25 Td (simulations, ) Tj ET Q q 0 0 0 rg BT 515.04 467.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.01 467.25 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 455.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 70.08 455.25 Td (or ) Tj ET Q q 0 0 0 rg BT 80.98 455.25 Td (IRR, ) Tj ET Q q 0 0 0 rg BT 102.73 455.25 Td (is ) Tj ET Q q 0 0 0 rg BT 111.98 455.25 Td (quantified ) Tj ET Q q 0 0 0 rg BT 155.10 455.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.11 455.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 220.22 455.25 Td (strategies ) Tj ET Q q 0 0 0 rg BT 260.56 455.25 Td (are ) Tj ET Q q 0 0 0 rg BT 275.35 455.25 Td (formulated ) Tj ET Q q 0 0 0 rg BT 321.80 455.25 Td (and ) Tj ET Q q 0 0 0 rg BT 338.81 455.25 Td (implemented. ) Tj ET Q q 0 0 0 rg BT 395.91 455.25 Td (W) Tj ET Q q 0 0 0 rg BT 404.55 455.25 Td (e ) Tj ET Q q 0 0 0 rg BT 411.56 455.25 Td (model ) Tj ET Q q 0 0 0 rg BT 439.14 455.25 Td (IRR ) Tj ET Q q 0 0 0 rg BT 458.38 455.25 Td (by ) Tj ET Q q 0 0 0 rg BT 470.96 455.25 Td (using ) Tj ET Q q 0 0 0 rg BT 495.21 455.25 Td (two ) Tj ET Q q 0 0 0 rg BT 512.78 455.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 547.02 455.25 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 443.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 105.49 443.25 Td (techniques: ) Tj ET Q q 0 0 0 rg BT 153.22 443.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 197.62 443.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.13 443.25 Td (net ) Tj ET Q q 0 0 0 rg BT 222.53 443.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 254.14 443.25 Td (income ) Tj ET Q q 0 0 0 rg BT 285.76 443.25 Td (and ) Tj ET Q q 0 0 0 rg BT 302.38 443.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 346.78 443.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.29 443.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 398.35 443.25 Td (value ) Tj ET Q q 0 0 0 rg BT 422.19 443.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.70 443.25 Td (equity) Tj ET Q q 0 0 0 rg BT 457.04 443.25 Td (. ) Tj ET Q q 0 0 0 rg BT 461.57 443.25 Td (These ) Tj ET Q q 0 0 0 rg BT 487.63 443.25 Td (two ) Tj ET Q q 0 0 0 rg BT 504.81 443.25 Td (measurements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 431.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.66 431.25 Td (complementary ) Tj ET Q q 0 0 0 rg BT 129.30 431.25 Td (and ) Tj ET Q q 0 0 0 rg BT 146.19 431.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 179.18 431.25 Td (both ) Tj ET Q q 0 0 0 rg BT 199.41 431.25 Td (short-term ) Tj ET Q q 0 0 0 rg BT 243.52 431.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.40 431.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 302.29 431.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 319.73 431.25 Td (profiles ) Tj ET Q q 0 0 0 rg BT 352.73 431.25 Td (for ) Tj ET Q q 0 0 0 rg BT 366.84 431.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.50 431.25 Td (Company) Tj ET Q q 0 0 0 rg BT 419.74 431.25 Td (. ) Tj ET Q q 0 0 0 rg BT 424.69 431.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 460.45 431.25 Td (both ) Tj ET Q q 0 0 0 rg BT 480.68 431.25 Td (baseline ) Tj ET Q q 0 0 0 rg BT 515.89 431.25 Td (simulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 419.25 Td (assume ) Tj ET Q q 0 0 0 rg BT 81.67 419.25 Td (that ) Tj ET Q q 0 0 0 rg BT 98.90 419.25 Td (our ) Tj ET Q q 0 0 0 rg BT 114.46 419.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 147.23 419.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 170.01 419.25 Td (will ) Tj ET Q q 0 0 0 rg BT 187.80 419.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 217.79 419.25 Td (static ) Tj ET Q q 0 0 0 rg BT 241.13 419.25 Td (over ) Tj ET Q q 0 0 0 rg BT 261.13 419.25 Td (the ) Tj ET Q q 0 0 0 rg BT 275.58 419.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 320.04 419.25 Td (horizon, ) Tj ET Q q 0 0 0 rg BT 355.32 419.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.77 419.25 Td (results ) Tj ET Q q 0 0 0 rg BT 398.11 419.25 Td (do ) Tj ET Q q 0 0 0 rg BT 410.34 419.25 Td (not ) Tj ET Q q 0 0 0 rg BT 425.35 419.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 453.12 419.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 503.12 419.25 Td (in ) Tj ET Q q 0 0 0 rg BT 513.13 419.25 Td (strategy ) Tj ET Q q 0 0 0 rg BT 547.02 419.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 407.25 Td (ALCO ) Tj ET Q q 0 0 0 rg BT 79.72 407.25 Td (could ) Tj ET Q q 0 0 0 rg BT 104.44 407.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 149.71 407.25 Td (in ) Tj ET Q q 0 0 0 rg BT 159.99 407.25 Td (response ) Tj ET Q q 0 0 0 rg BT 197.48 407.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.75 407.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 225.24 407.25 Td (shifts. ) Tj ET Q q 0 0 0 rg BT 251.73 407.25 Td (The ) Tj ET Q q 0 0 0 rg BT 269.78 407.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 314.50 407.25 Td (analyses ) Tj ET Q q 0 0 0 rg BT 350.87 407.25 Td (are ) Tj ET Q q 0 0 0 rg BT 365.58 407.25 Td (updated ) Tj ET Q q 0 0 0 rg BT 399.74 407.25 Td (quarterly) Tj ET Q q 0 0 0 rg BT 435.18 407.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 383.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 383.25 Td (e ) Tj ET Q q 0 0 0 rg BT 83.16 383.25 Td (use ) Tj ET Q q 0 0 0 rg BT 98.57 383.25 Td (net ) Tj ET Q q 0 0 0 rg BT 112.87 383.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 144.38 383.25 Td (income ) Tj ET Q q 0 0 0 rg BT 175.90 383.25 Td (at ) Tj ET Q q 0 0 0 rg BT 185.20 383.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 202.28 383.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 246.58 383.25 Td (to ) Tj ET Q q 0 0 0 rg BT 256.44 383.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 291.84 383.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.14 383.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 349.33 383.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.74 383.25 Td (net ) Tj ET Q q 0 0 0 rg BT 374.04 383.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 405.56 383.25 Td (income ) Tj ET Q q 0 0 0 rg BT 437.07 383.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.93 383.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 481.22 383.25 Td (in ) Tj ET Q q 0 0 0 rg BT 491.08 383.25 Td (market ) Tj ET Q q 0 0 0 rg BT 520.92 383.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 544.23 383.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 95.01 371.25 Td (captures ) Tj ET Q q 0 0 0 rg BT 131.12 371.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 177.23 371.25 Td (product ) Tj ET Q q 0 0 0 rg BT 210.57 371.25 Td (behaviors, ) Tj ET Q q 0 0 0 rg BT 254.74 371.25 Td (such ) Tj ET Q q 0 0 0 rg BT 275.86 371.25 Td (as ) Tj ET Q q 0 0 0 rg BT 286.98 371.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 309.21 371.25 Td (and ) Tj ET Q q 0 0 0 rg BT 326.44 371.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 360.34 371.25 Td (repricing ) Tj ET Q q 0 0 0 rg BT 399.22 371.25 Td (dates, ) Tj ET Q q 0 0 0 rg BT 425.06 371.25 Td (balloon ) Tj ET Q q 0 0 0 rg BT 457.84 371.25 Td (dates, ) Tj ET Q q 0 0 0 rg BT 483.68 371.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.91 371.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 533.68 371.25 Td (indices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.74 359.25 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 103.53 359.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 121.82 359.25 Td (caps ) Tj ET Q q 0 0 0 rg BT 142.89 359.25 Td (and ) Tj ET Q q 0 0 0 rg BT 160.63 359.25 Td (floors, ) Tj ET Q q 0 0 0 rg BT 189.76 359.25 Td (as ) Tj ET Q q 0 0 0 rg BT 201.39 359.25 Td (well ) Tj ET Q q 0 0 0 rg BT 221.90 359.25 Td (as ) Tj ET Q q 0 0 0 rg BT 233.54 359.25 Td (other ) Tj ET Q q 0 0 0 rg BT 257.38 359.25 Td (behavioral ) Tj ET Q q 0 0 0 rg BT 302.89 359.25 Td (attributes. ) Tj ET Q q 0 0 0 rg BT 345.66 359.25 Td (The ) Tj ET Q q 0 0 0 rg BT 364.51 359.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 410.03 359.25 Td (of ) Tj ET Q q 0 0 0 rg BT 421.66 359.25 Td (net ) Tj ET Q q 0 0 0 rg BT 437.18 359.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 469.91 359.25 Td (income ) Tj ET Q q 0 0 0 rg BT 502.65 359.25 Td (also ) Tj ET Q q 0 0 0 rg BT 522.06 359.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 557.56 359.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.25 Td (number ) Tj ET Q q 0 0 0 rg BT 82.86 347.25 Td (of ) Tj ET Q q 0 0 0 rg BT 93.49 347.25 Td (key ) Tj ET Q q 0 0 0 rg BT 110.24 347.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 162.00 347.25 Td (such ) Tj ET Q q 0 0 0 rg BT 182.64 347.25 Td (as: ) Tj ET Q q 0 0 0 rg BT 196.05 347.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 207.80 347.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 257.31 347.25 Td (projections ) Tj ET Q q 0 0 0 rg BT 304.05 347.25 Td (for ) Tj ET Q q 0 0 0 rg BT 318.02 347.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 341.44 347.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.19 347.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 398.26 347.25 Td (that ) Tj ET Q q 0 0 0 rg BT 415.56 347.25 Td (are ) Tj ET Q q 0 0 0 rg BT 430.08 347.25 Td (projected ) Tj ET Q q 0 0 0 rg BT 469.59 347.25 Td (under ) Tj ET Q q 0 0 0 rg BT 494.67 347.25 Td (each ) Tj ET Q q 0 0 0 rg BT 515.29 347.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.03 347.25 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.25 Td (scenario ) Tj ET Q q 0 0 0 rg BT 84.69 335.25 Td (using ) Tj ET Q q 0 0 0 rg BT 107.73 335.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 139.64 335.25 Td (and ) Tj ET Q q 0 0 0 rg BT 155.45 335.25 Td (external ) Tj ET Q q 0 0 0 rg BT 189.03 335.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 228.16 335.25 Td (analytics; ) Tj ET Q q 0 0 0 rg BT 267.86 335.25 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 281.45 335.25 Td (new ) Tj ET Q q 0 0 0 rg BT 299.48 335.25 Td (business ) Tj ET Q q 0 0 0 rg BT 334.74 335.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 353.33 335.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 373.58 335.25 Td (that ) Tj ET Q q 0 0 0 rg BT 389.95 335.25 Td (are ) Tj ET Q q 0 0 0 rg BT 403.53 335.25 Td (based ) Tj ET Q q 0 0 0 rg BT 427.67 335.25 Td (on ) Tj ET Q q 0 0 0 rg BT 439.04 335.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 464.83 335.25 Td (new ) Tj ET Q q 0 0 0 rg BT 482.87 335.25 Td (business ) Tj ET Q q 0 0 0 rg BT 518.13 335.25 Td (origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.25 Td (experience; ) Tj ET Q q 0 0 0 rg BT 99.35 323.25 Td (and ) Tj ET Q q 0 0 0 rg BT 117.07 323.25 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 135.33 323.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 167.50 323.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 199.09 323.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 251.82 323.25 Td (for ) Tj ET Q q 0 0 0 rg BT 266.75 323.25 Td (non-maturity ) Tj ET Q q 0 0 0 rg BT 322.24 323.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 358.29 323.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 399.87 323.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.36 323.25 Td (Bank) Tj ET Q q 0 0 0 rg BT 439.25 323.25 Td (s ) Tj ET Q q 0 0 0 rg BT 446.42 323.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 478.02 323.25 Td (history) Tj ET Q q 0 0 0 rg BT 505.15 323.25 Td (, ) Tj ET Q q 0 0 0 rg BT 510.92 323.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.25 Td (judgment ) Tj ET Q q 0 0 0 rg BT 90.36 311.25 Td (and ) Tj ET Q q 0 0 0 rg BT 107.39 311.25 Td (core ) Tj ET Q q 0 0 0 rg BT 127.18 311.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 158.66 311.25 Td (studies. ) Tj ET Q q 0 0 0 rg BT 191.52 311.25 Td (Combined, ) Tj ET Q q 0 0 0 rg BT 238.28 311.25 Td (these ) Tj ET Q q 0 0 0 rg BT 261.41 311.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 313.45 311.25 Td (can ) Tj ET Q q 0 0 0 rg BT 329.91 311.25 Td (be ) Tj ET Q q 0 0 0 rg BT 341.94 311.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 385.07 311.25 Td (uncertain, ) Tj ET Q q 0 0 0 rg BT 427.36 311.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.38 311.25 Td (as ) Tj ET Q q 0 0 0 rg BT 455.30 311.25 Td (a ) Tj ET Q q 0 0 0 rg BT 462.33 311.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 489.63 311.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 516.09 311.25 Td (results ) Tj ET Q q 0 0 0 rg BT 544.79 311.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 299.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 74.60 299.25 Td (from ) Tj ET Q q 0 0 0 rg BT 96.61 299.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 141.40 299.25 Td (forecasts ) Tj ET Q q 0 0 0 rg BT 179.51 299.25 Td (due ) Tj ET Q q 0 0 0 rg BT 196.52 299.25 Td (to ) Tj ET Q q 0 0 0 rg BT 206.87 299.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.66 299.25 Td (timing, ) Tj ET Q q 0 0 0 rg BT 252.85 299.25 Td (magnitude ) Tj ET Q q 0 0 0 rg BT 297.63 299.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.64 299.25 Td (frequency ) Tj ET Q q 0 0 0 rg BT 357.19 299.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.09 299.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 400.10 299.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 417.66 299.25 Td (changes, ) Tj ET Q q 0 0 0 rg BT 454.94 299.25 Td (future ) Tj ET Q q 0 0 0 rg BT 481.39 299.25 Td (business ) Tj ET Q q 0 0 0 rg BT 517.85 299.25 Td (conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 287.25 Td (well ) Tj ET Q q 0 0 0 rg BT 80.55 287.25 Td (as ) Tj ET Q q 0 0 0 rg BT 91.38 287.25 Td (unanticipated ) Tj ET Q q 0 0 0 rg BT 147.74 287.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 182.45 287.25 Td (in ) Tj ET Q q 0 0 0 rg BT 192.73 287.25 Td (management ) Tj ET Q q 0 0 0 rg BT 246.32 287.25 Td (strategies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 263.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 263.25 Td (e ) Tj ET Q q 0 0 0 rg BT 83.69 263.25 Td (use ) Tj ET Q q 0 0 0 rg BT 99.62 263.25 Td (two ) Tj ET Q q 0 0 0 rg BT 117.23 263.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 134.84 263.25 Td (of ) Tj ET Q q 0 0 0 rg BT 145.78 263.25 Td (standard ) Tj ET Q q 0 0 0 rg BT 182.27 263.25 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 222.08 263.25 Td (to ) Tj ET Q q 0 0 0 rg BT 232.47 263.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 268.39 263.25 Td (net ) Tj ET Q q 0 0 0 rg BT 283.22 263.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 315.26 263.25 Td (income ) Tj ET Q q 0 0 0 rg BT 347.30 263.25 Td (at ) Tj ET Q q 0 0 0 rg BT 357.13 263.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 377.24 263.25 Td (For ) Tj ET Q q 0 0 0 rg BT 393.74 263.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.57 263.25 Td (Parallel ) Tj ET Q q 0 0 0 rg BT 441.72 263.25 Td (Ramp ) Tj ET Q q 0 0 0 rg BT 468.21 263.25 Td (Scenarios, ) Tj ET Q q 0 0 0 rg BT 512.20 263.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 529.79 263.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.25 Td (are ) Tj ET Q q 0 0 0 rg BT 65.54 251.25 Td (ramped ) Tj ET Q q 0 0 0 rg BT 98.86 251.25 Td (over ) Tj ET Q q 0 0 0 rg BT 119.96 251.25 Td (a ) Tj ET Q q 0 0 0 rg BT 127.73 251.25 Td (twelve-month ) Tj ET Q q 0 0 0 rg BT 186.60 251.25 Td (horizon ) Tj ET Q q 0 0 0 rg BT 220.48 251.25 Td (based ) Tj ET Q q 0 0 0 rg BT 246.58 251.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 269.91 251.25 Td (a ) Tj ET Q q 0 0 0 rg BT 277.68 251.25 Td (parallel ) Tj ET Q q 0 0 0 rg BT 310.99 251.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 334.32 251.25 Td (curve ) Tj ET Q q 0 0 0 rg BT 359.86 251.25 Td (shift ) Tj ET Q q 0 0 0 rg BT 380.97 251.25 Td (and ) Tj ET Q q 0 0 0 rg BT 398.74 251.25 Td (then ) Tj ET Q q 0 0 0 rg BT 419.28 251.25 Td (maintained ) Tj ET Q q 0 0 0 rg BT 467.04 251.25 Td (at ) Tj ET Q q 0 0 0 rg BT 477.59 251.25 Td (those ) Tj ET Q q 0 0 0 rg BT 502.03 251.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 528.69 251.25 Td (over ) Tj ET Q q 0 0 0 rg BT 549.79 251.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.25 Td (remainder ) Tj ET Q q 0 0 0 rg BT 94.47 239.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.74 239.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.89 239.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 169.05 239.25 Td (horizon. ) Tj ET Q q 0 0 0 rg BT 206.04 239.25 Td (Parallel ) Tj ET Q q 0 0 0 rg BT 240.52 239.25 Td (Shock ) Tj ET Q q 0 0 0 rg BT 269.46 239.25 Td (Scenarios ) Tj ET Q q 0 0 0 rg BT 312.27 239.25 Td (assume ) Tj ET Q q 0 0 0 rg BT 345.65 239.25 Td (instantaneous ) Tj ET Q q 0 0 0 rg BT 404.02 239.25 Td (parallel ) Tj ET Q q 0 0 0 rg BT 437.94 239.25 Td (movements ) Tj ET Q q 0 0 0 rg BT 487.98 239.25 Td (in ) Tj ET Q q 0 0 0 rg BT 499.70 239.25 Td (the ) Tj ET Q q 0 0 0 rg BT 515.86 239.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 539.79 239.25 Td (curve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.14 227.25 Td (to ) Tj ET Q q 0 0 0 rg BT 100.63 227.25 Td (a ) Tj ET Q q 0 0 0 rg BT 106.77 227.25 Td (flat ) Tj ET Q q 0 0 0 rg BT 121.81 227.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 143.52 227.25 Td (curve ) Tj ET Q q 0 0 0 rg BT 167.44 227.25 Td (scenario. ) Tj ET Q q 0 0 0 rg BT 204.96 227.25 Td (Simulation ) Tj ET Q q 0 0 0 rg BT 250.57 227.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 284.49 227.25 Td (involves ) Tj ET Q q 0 0 0 rg BT 320.09 227.25 Td (projecting ) Tj ET Q q 0 0 0 rg BT 362.35 227.25 Td (a ) Tj ET Q q 0 0 0 rg BT 368.50 227.25 Td (future ) Tj ET Q q 0 0 0 rg BT 394.08 227.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 426.33 227.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 448.59 227.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 485.28 227.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.43 227.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 227.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.23 215.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.23 215.25 Td (under ) Tj ET Q q 0 0 0 rg BT 127.79 215.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.80 215.25 Td (various ) Tj ET Q q 0 0 0 rg BT 175.03 215.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 192.81 215.25 Td (scenarios. ) Tj ET Q q 0 0 0 rg BT 235.31 215.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 269.19 215.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 296.98 215.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 338.09 215.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 371.42 215.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 389.20 215.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 406.99 215.25 Td (simulations ) Tj ET Q q 0 0 0 rg BT 455.89 215.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 494.78 215.25 Td (specifies ) Tj ET Q q 0 0 0 rg BT 532.56 215.25 Td (that ) Tj ET Q q 0 0 0 rg BT 550.34 215.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.25 Td (instantaneous ) Tj ET Q q 0 0 0 rg BT 106.58 203.25 Td (parallel ) Tj ET Q q 0 0 0 rg BT 138.71 203.25 Td (shifts ) Tj ET Q q 0 0 0 rg BT 162.52 203.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.00 203.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.36 203.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 209.50 203.25 Td (curve, ) Tj ET Q q 0 0 0 rg BT 236.35 203.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 276.82 203.25 Td (net ) Tj ET Q q 0 0 0 rg BT 291.18 203.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 322.76 203.25 Td (income ) Tj ET Q q 0 0 0 rg BT 354.34 203.25 Td (at ) Tj ET Q q 0 0 0 rg BT 363.71 203.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 380.85 203.25 Td (for ) Tj ET Q q 0 0 0 rg BT 394.66 203.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.02 203.25 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 455.61 203.25 Td (one-year ) Tj ET Q q 0 0 0 rg BT 492.73 203.25 Td (period ) Tj ET Q q 0 0 0 rg BT 520.42 203.25 Td (should ) Tj ET Q q 0 0 0 rg BT 549.24 203.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 81.89 191.25 Td (by ) Tj ET Q q 0 0 0 rg BT 94.91 191.25 Td (more ) Tj ET Q q 0 0 0 rg BT 118.48 191.25 Td (than: ) Tj ET Q q 0 0 0 rg BT 141.49 191.25 Td (6% ) Tj ET Q q 0 0 0 rg BT 157.84 191.25 Td (for ) Tj ET Q q 0 0 0 rg BT 172.52 191.25 Td (a ) Tj ET Q q 0 0 0 rg BT 179.98 191.25 Td (100 ) Tj ET Q q 0 0 0 rg BT 198.00 191.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 221.01 191.25 Td (point ) Tj ET Q q 0 0 0 rg BT 244.59 191.25 Td (shift; ) Tj ET Q q 0 0 0 rg BT 268.17 191.25 Td (12% ) Tj ET Q q 0 0 0 rg BT 289.51 191.25 Td (for ) Tj ET Q q 0 0 0 rg BT 304.19 191.25 Td (a ) Tj ET Q q 0 0 0 rg BT 311.65 191.25 Td (200 ) Tj ET Q q 0 0 0 rg BT 329.67 191.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 352.69 191.25 Td (point ) Tj ET Q q 0 0 0 rg BT 376.27 191.25 Td (shift; ) Tj ET Q q 0 0 0 rg BT 399.84 191.25 Td (and ) Tj ET Q q 0 0 0 rg BT 417.30 191.25 Td (18% ) Tj ET Q q 0 0 0 rg BT 438.65 191.25 Td (for ) Tj ET Q q 0 0 0 rg BT 453.33 191.25 Td (a ) Tj ET Q q 0 0 0 rg BT 460.78 191.25 Td (300 ) Tj ET Q q 0 0 0 rg BT 478.80 191.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 501.82 191.25 Td (point ) Tj ET Q q 0 0 0 rg BT 525.40 191.25 Td (shift. ) Tj ET Q q 0 0 0 rg BT 548.70 191.25 Td (Per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.49 179.25 Td (policy) Tj ET Q q 0 0 0 rg BT 115.84 179.25 Td (, ) Tj ET Q q 0 0 0 rg BT 120.95 179.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.77 179.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 159.49 179.25 Td (should ) Tj ET Q q 0 0 0 rg BT 188.76 179.25 Td (not ) Tj ET Q q 0 0 0 rg BT 204.15 179.25 Td (be ) Tj ET Q q 0 0 0 rg BT 216.20 179.25 Td (outside ) Tj ET Q q 0 0 0 rg BT 247.69 179.25 Td (these ) Tj ET Q q 0 0 0 rg BT 270.84 179.25 Td (limits ) Tj ET Q q 0 0 0 rg BT 296.24 179.25 Td (for ) Tj ET Q q 0 0 0 rg BT 310.50 179.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 339.77 179.25 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 389.58 179.25 Td (months ) Tj ET Q q 0 0 0 rg BT 421.63 179.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 449.24 179.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.06 179.25 Td (Banks ) Tj ET Q q 0 0 0 rg BT 491.67 179.25 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 535.36 179.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 76.05 167.25 Td (are ) Tj ET Q q 0 0 0 rg BT 92.10 167.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 139.25 167.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.86 167.25 Td (be ) Tj ET Q q 0 0 0 rg BT 164.14 167.25 Td ("well ) Tj ET Q q 0 0 0 rg BT 189.27 167.25 Td (capitalized". ) Tj ET Q q 0 0 0 rg BT 242.15 167.25 Td (As ) Tj ET Q q 0 0 0 rg BT 257.10 167.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.27 167.25 Td (December ) Tj ET Q q 0 0 0 rg BT 314.19 167.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 330.52 167.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 356.86 167.25 Td (the ) Tj ET Q q 0 0 0 rg BT 372.91 167.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 397.86 167.25 Td (has ) Tj ET Q q 0 0 0 rg BT 415.02 167.25 Td (met ) Tj ET Q q 0 0 0 rg BT 433.86 167.25 Td (all ) Tj ET Q q 0 0 0 rg BT 447.69 167.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 490.42 167.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 535.35 167.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.70 155.25 Td (to ) Tj ET Q q 0 0 0 rg BT 114.98 155.25 Td (be ) Tj ET Q q 0 0 0 rg BT 126.92 155.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 172.73 155.25 Td ("well ) Tj ET Q q 0 0 0 rg BT 196.53 155.25 Td (capitalized".) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 131.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.47 131.25 Td (following ) Tj ET Q q 0 0 0 rg BT 130.28 131.25 Td (tables ) Tj ET Q q 0 0 0 rg BT 156.53 131.25 Td (set ) Tj ET Q q 0 0 0 rg BT 170.56 131.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 192.92 131.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.06 131.25 Td (estimatedpercentage ) Tj ET Q q 0 0 0 rg BT 295.10 131.25 Td (change ) Tj ET Q q 0 0 0 rg BT 326.34 131.25 Td (in ) Tj ET Q q 0 0 0 rg BT 337.04 131.25 Td (our ) Tj ET Q q 0 0 0 rg BT 353.29 131.25 Td (net ) Tj ET Q q 0 0 0 rg BT 368.43 131.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 400.79 131.25 Td (income ) Tj ET Q q 0 0 0 rg BT 433.14 131.25 Td (at ) Tj ET Q q 0 0 0 rg BT 443.28 131.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 461.20 131.25 Td (over ) Tj ET Q q 0 0 0 rg BT 481.89 131.25 Td (one-year ) Tj ET Q q 0 0 0 rg BT 519.79 131.25 Td (simulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 81.94 119.25 Td (beginning ) Tj ET Q q 0 0 0 rg BT 124.43 119.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 183.02 119.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 205.52 119.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.46 119.25 Td (2017:) 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 (57) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Parallel Ramp) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 704.75 m 508.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 704.75 m 512.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 704.75 m 562.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 691.75 m 508.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 691.75 m 512.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 691.75 m 562.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 678.75 m 454.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 678.75 m 508.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 691.75 m 562.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 678.75 m 562.5 678.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.50 716.98 Td (Estimated Per) Tj ET Q q 0 0 0 rg BT 513.01 716.98 Td (cent Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.70 708.98 Td (in Net Inter) Tj ET Q q 0 0 0 rg BT 511.55 708.98 Td (est Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.50 695.98 Td (At December) Tj ET Q q 0 0 0 rg BT 526.51 695.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 682.98 Td (Rate Changes \(basis points\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 682.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 682.98 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 668.42 Td (\(100\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.00 668.32 Td (......................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 668.42 Td (3.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 668.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.50 668.42 Td (\(2.00\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 653.42 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 653.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.80 653.47 Td (\(8.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 653.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.80 653.47 Td (\(4.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 653.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (Parallel Shock) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 593.75 m 508.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 593.75 m 512.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 593.75 m 562.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 580.75 m 508.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 580.75 m 512.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 580.75 m 562.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 567.75 m 454.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 567.75 m 508.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 580.75 m 562.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 567.75 m 562.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 567.75 m 562.5 567.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.50 605.98 Td (Estimated Per) Tj ET Q q 0 0 0 rg BT 513.01 605.98 Td (cent Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.70 597.98 Td (in Net Inter) Tj ET Q q 0 0 0 rg BT 511.55 597.98 Td (est Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.50 584.98 Td (At December) Tj ET Q q 0 0 0 rg BT 526.51 584.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 571.98 Td (Rate Changes \(basis points\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 571.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 571.98 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 557.42 Td (\(100\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.00 557.32 Td (......................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 557.42 Td (5.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 557.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.50 557.42 Td (\(4.70\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 542.42 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 542.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.80 542.47 Td (\(7.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 542.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.80 542.47 Td (\(3.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 542.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 527.42 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 527.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 527.47 Td (\(15.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 527.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.80 527.47 Td (\(7.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 527.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 512.42 Td (300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 512.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 512.47 Td (\(22.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 512.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 512.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 541.13 512.47 Td (1.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 512.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 490.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.30 490.25 Td (net ) Tj ET Q q 0 0 0 rg BT 103.27 490.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.46 490.25 Td (income ) Tj ET Q q 0 0 0 rg BT 167.65 490.25 Td (at ) Tj ET Q q 0 0 0 rg BT 177.62 490.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 195.37 490.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 240.35 490.25 Td (results ) Tj ET Q q 0 0 0 rg BT 269.21 490.25 Td (indicate ) Tj ET Q q 0 0 0 rg BT 303.61 490.25 Td (that ) Tj ET Q q 0 0 0 rg BT 321.36 490.25 Td (as ) Tj ET Q q 0 0 0 rg BT 332.45 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 343.53 490.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 402.37 490.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 427.62 490.25 Td (we ) Tj ET Q q 0 0 0 rg BT 442.04 490.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 472.55 490.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 506.42 490.25 Td (sensitive. ) Tj ET Q q 0 0 0 rg BT 546.47 490.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 83.61 478.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 127.22 478.25 Td (is ) Tj ET Q q 0 0 0 rg BT 136.39 478.25 Td (due ) Tj ET Q q 0 0 0 rg BT 153.33 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 163.61 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.33 478.25 Td (fact ) Tj ET Q q 0 0 0 rg BT 195.81 478.25 Td (that ) Tj ET Q q 0 0 0 rg BT 213.31 478.25 Td (there ) Tj ET Q q 0 0 0 rg BT 235.79 478.25 Td (are ) Tj ET Q q 0 0 0 rg BT 250.50 478.25 Td (more ) Tj ET Q q 0 0 0 rg BT 273.54 478.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 313.26 478.25 Td (than ) Tj ET Q q 0 0 0 rg BT 332.98 478.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 358.81 478.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 389.63 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 399.91 478.25 Td (repricing ) Tj ET Q q 0 0 0 rg BT 438.51 478.25 Td (as ) Tj ET Q q 0 0 0 rg BT 449.34 478.25 Td (market ) Tj ET Q q 0 0 0 rg BT 479.60 478.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 500.98 478.25 Td (change.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 460.25 Td (W) Tj ET Q q 0 0 0 rg BT 78.64 460.25 Td (e ) Tj ET Q q 0 0 0 rg BT 85.23 460.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 119.05 460.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 160.08 460.25 Td (value ) Tj ET Q q 0 0 0 rg BT 183.89 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.38 460.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 221.53 460.25 Td (at ) Tj ET Q q 0 0 0 rg BT 230.91 460.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 248.07 460.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 292.45 460.25 Td (in ) Tj ET Q q 0 0 0 rg BT 302.38 460.25 Td (tandem ) Tj ET Q q 0 0 0 rg BT 333.97 460.25 Td (with ) Tj ET Q q 0 0 0 rg BT 353.91 460.25 Td (net ) Tj ET Q q 0 0 0 rg BT 368.29 460.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 399.88 460.25 Td (income ) Tj ET Q q 0 0 0 rg BT 431.47 460.25 Td (simulations, ) Tj ET Q q 0 0 0 rg BT 482.24 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 492.18 460.25 Td (ascertain ) Tj ET Q q 0 0 0 rg BT 529.87 460.25 Td (a ) Tj ET Q q 0 0 0 rg BT 536.46 460.25 Td (longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (term ) Tj ET Q q 0 0 0 rg BT 70.23 448.25 Td (view ) Tj ET Q q 0 0 0 rg BT 91.58 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.82 448.25 Td (our ) Tj ET Q q 0 0 0 rg BT 117.06 448.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 148.40 448.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 165.30 448.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 182.21 448.25 Td (position ) Tj ET Q q 0 0 0 rg BT 216.34 448.25 Td (by ) Tj ET Q q 0 0 0 rg BT 228.25 448.25 Td (capturing ) Tj ET Q q 0 0 0 rg BT 267.92 448.25 Td (longer) Tj ET Q q 0 0 0 rg BT 293.27 448.25 Td (-term ) Tj ET Q q 0 0 0 rg BT 316.84 448.25 Td (re-pricing ) Tj ET Q q 0 0 0 rg BT 358.17 448.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 375.08 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.43 448.25 Td (options ) Tj ET Q q 0 0 0 rg BT 422.78 448.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 439.69 448.25 Td (embedded ) Tj ET Q q 0 0 0 rg BT 482.70 448.25 Td (in ) Tj ET Q q 0 0 0 rg BT 492.38 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 506.51 448.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 538.95 448.25 Td (sheet. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (It ) Tj ET Q q 0 0 0 rg BT 58.84 436.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 98.78 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 113.73 436.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 157.57 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.64 436.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 210.24 436.25 Td (value ) Tj ET Q q 0 0 0 rg BT 234.63 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 245.69 436.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 273.42 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 283.93 436.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 318.86 436.25 Td (in ) Tj ET Q q 0 0 0 rg BT 329.38 436.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 361.54 436.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 385.65 436.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 428.92 436.25 Td (value ) Tj ET Q q 0 0 0 rg BT 453.31 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 464.37 436.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 492.10 436.25 Td (at ) Tj ET Q q 0 0 0 rg BT 502.05 436.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 519.78 436.25 Td (simulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (values ) Tj ET Q q 0 0 0 rg BT 77.86 424.25 Td (only ) Tj ET Q q 0 0 0 rg BT 97.95 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.48 424.25 Td (current ) Tj ET Q q 0 0 0 rg BT 143.11 424.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 175.95 424.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 198.81 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 215.56 424.25 Td (does ) Tj ET Q q 0 0 0 rg BT 236.20 424.25 Td (not ) Tj ET Q q 0 0 0 rg BT 251.29 424.25 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 299.14 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.66 424.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 344.31 424.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 396.07 424.25 Td (used ) Tj ET Q q 0 0 0 rg BT 416.71 424.25 Td (in ) Tj ET Q q 0 0 0 rg BT 426.80 424.25 Td (one ) Tj ET Q q 0 0 0 rg BT 443.55 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.19 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.72 424.25 Td (income ) Tj ET Q q 0 0 0 rg BT 500.47 424.25 Td (simulations. ) Tj ET Q q 0 0 0 rg BT 550.88 424.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.23 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.90 412.25 Td (net ) Tj ET Q q 0 0 0 rg BT 96.56 412.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 127.45 412.25 Td (income ) Tj ET Q q 0 0 0 rg BT 158.33 412.25 Td (simulation, ) Tj ET Q q 0 0 0 rg BT 204.50 412.25 Td (this ) Tj ET Q q 0 0 0 rg BT 220.40 412.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 264.07 412.25 Td (captures ) Tj ET Q q 0 0 0 rg BT 298.84 412.25 Td (product ) Tj ET Q q 0 0 0 rg BT 330.83 412.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 389.47 412.25 Td (such ) Tj ET Q q 0 0 0 rg BT 409.25 412.25 Td (as ) Tj ET Q q 0 0 0 rg BT 419.03 412.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 437.70 412.25 Td (resets, ) Tj ET Q q 0 0 0 rg BT 464.42 412.25 Td (repricing ) Tj ET Q q 0 0 0 rg BT 501.96 412.25 Td (terms, ) Tj ET Q q 0 0 0 rg BT 528.13 412.25 Td (maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (dates, ) Tj ET Q q 0 0 0 rg BT 75.42 400.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 92.78 400.25 Td (caps ) Tj ET Q q 0 0 0 rg BT 112.92 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.73 400.25 Td (floors. ) Tj ET Q q 0 0 0 rg BT 157.93 400.25 Td (Key ) Tj ET Q q 0 0 0 rg BT 176.97 400.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 228.79 400.25 Td (include ) Tj ET Q q 0 0 0 rg BT 260.60 400.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 280.19 400.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 329.76 400.25 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 361.29 400.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 392.55 400.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 423.25 400.25 Td (elasticity ) Tj ET Q q 0 0 0 rg BT 461.72 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 478.54 400.25 Td (non-maturity ) Tj ET Q q 0 0 0 rg BT 533.12 400.25 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (attrition ) Tj ET Q q 0 0 0 rg BT 84.69 388.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 108.87 388.25 Td (These ) Tj ET Q q 0 0 0 rg BT 135.78 388.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 188.25 388.25 Td (can ) Tj ET Q q 0 0 0 rg BT 205.16 388.25 Td (have ) Tj ET Q q 0 0 0 rg BT 227.06 388.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 272.30 388.25 Td (impacts ) Tj ET Q q 0 0 0 rg BT 306.43 388.25 Td (on ) Tj ET Q q 0 0 0 rg BT 319.46 388.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 359.70 388.25 Td (results ) Tj ET Q q 0 0 0 rg BT 388.83 388.25 Td (as ) Tj ET Q q 0 0 0 rg BT 400.19 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.44 388.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 467.91 388.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 498.70 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 509.51 388.25 Td (ef) Tj ET Q q 0 0 0 rg BT 517.10 388.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 535.11 388.25 Td (for ) Tj ET Q q 0 0 0 rg BT 549.80 388.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (entire ) Tj ET Q q 0 0 0 rg BT 75.26 376.25 Td (life ) Tj ET Q q 0 0 0 rg BT 91.09 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.92 376.25 Td (each ) Tj ET Q q 0 0 0 rg BT 122.73 376.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 144.67 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.61 376.25 Td (liability) Tj ET Q q 0 0 0 rg BT 192.07 376.25 Td (. ) Tj ET Q q 0 0 0 rg BT 196.52 376.25 Td (All ) Tj ET Q q 0 0 0 rg BT 211.80 376.25 Td (key ) Tj ET Q q 0 0 0 rg BT 228.74 376.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 280.68 376.25 Td (are ) Tj ET Q q 0 0 0 rg BT 295.39 376.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 326.22 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 336.49 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 343.43 376.25 Td (periodic ) Tj ET Q q 0 0 0 rg BT 378.70 376.25 Td (review) Tj ET Q q 0 0 0 rg BT 405.25 376.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 358.25 Td (Base ) Tj ET Q q 0 0 0 rg BT 92.48 358.25 Td (case ) Tj ET Q q 0 0 0 rg BT 112.72 358.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 154.64 358.25 Td (value ) Tj ET Q q 0 0 0 rg BT 179.33 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.70 358.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 218.74 358.25 Td (at ) Tj ET Q q 0 0 0 rg BT 228.99 358.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 247.03 358.25 Td (is ) Tj ET Q q 0 0 0 rg BT 256.74 358.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 300.31 358.25 Td (by ) Tj ET Q q 0 0 0 rg BT 313.35 358.25 Td (estimating ) Tj ET Q q 0 0 0 rg BT 358.05 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 373.30 358.25 Td (net ) Tj ET Q q 0 0 0 rg BT 388.56 358.25 Td (present ) Tj ET Q q 0 0 0 rg BT 420.48 358.25 Td (value ) Tj ET Q q 0 0 0 rg BT 445.17 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 456.54 358.25 Td (all ) Tj ET Q q 0 0 0 rg BT 469.58 358.25 Td (future ) Tj ET Q q 0 0 0 rg BT 496.49 358.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 517.30 358.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 542.56 358.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 83.15 346.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 107.97 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 123.89 346.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 162.59 346.25 Td (using ) Tj ET Q q 0 0 0 rg BT 185.75 346.25 Td (current ) Tj ET Q q 0 0 0 rg BT 215.55 346.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 246.47 346.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 269.23 346.25 Td (The ) Tj ET Q q 0 0 0 rg BT 286.26 346.25 Td (base ) Tj ET Q q 0 0 0 rg BT 305.51 346.25 Td (case ) Tj ET Q q 0 0 0 rg BT 324.21 346.25 Td (scenario ) Tj ET Q q 0 0 0 rg BT 359.01 346.25 Td (assumes ) Tj ET Q q 0 0 0 rg BT 393.82 346.25 Td (that ) Tj ET Q q 0 0 0 rg BT 410.30 346.25 Td (future ) Tj ET Q q 0 0 0 rg BT 435.67 346.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 466.59 346.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 486.95 346.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 516.20 346.25 Td (unchanged. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 83.24 334.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 110.37 334.25 Td (for ) Tj ET Q q 0 0 0 rg BT 124.18 334.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 165.19 334.25 Td (value ) Tj ET Q q 0 0 0 rg BT 188.99 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.46 334.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 226.60 334.25 Td (at ) Tj ET Q q 0 0 0 rg BT 235.96 334.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 253.10 334.25 Td (simulations ) Tj ET Q q 0 0 0 rg BT 301.36 334.25 Td (should ) Tj ET Q q 0 0 0 rg BT 330.17 334.25 Td (not ) Tj ET Q q 0 0 0 rg BT 345.09 334.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 376.11 334.25 Td (more ) Tj ET Q q 0 0 0 rg BT 398.79 334.25 Td (than ) Tj ET Q q 0 0 0 rg BT 418.15 334.25 Td (10% ) Tj ET Q q 0 0 0 rg BT 438.63 334.25 Td (for ) Tj ET Q q 0 0 0 rg BT 452.43 334.25 Td (a ) Tj ET Q q 0 0 0 rg BT 459.01 334.25 Td (100 ) Tj ET Q q 0 0 0 rg BT 476.15 334.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 498.30 334.25 Td (point ) Tj ET Q q 0 0 0 rg BT 521.00 334.25 Td (shift; ) Tj ET Q q 0 0 0 rg BT 543.69 334.25 Td (20% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.23 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 71.23 322.25 Td (200 ) Tj ET Q q 0 0 0 rg BT 88.80 322.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 111.37 322.25 Td (point ) Tj ET Q q 0 0 0 rg BT 134.49 322.25 Td (shift; ) Tj ET Q q 0 0 0 rg BT 157.62 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.62 322.25 Td (30% ) Tj ET Q q 0 0 0 rg BT 195.52 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 209.75 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 216.75 322.25 Td (300 ) Tj ET Q q 0 0 0 rg BT 234.32 322.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 256.89 322.25 Td (point ) Tj ET Q q 0 0 0 rg BT 280.01 322.25 Td (shift. ) Tj ET Q q 0 0 0 rg BT 302.86 322.25 Td (Per ) Tj ET Q q 0 0 0 rg BT 318.75 322.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 360.21 322.25 Td (policy) Tj ET Q q 0 0 0 rg BT 384.55 322.25 Td (, ) Tj ET Q q 0 0 0 rg BT 389.62 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.41 322.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 428.08 322.25 Td (should ) Tj ET Q q 0 0 0 rg BT 457.32 322.25 Td (not ) Tj ET Q q 0 0 0 rg BT 472.67 322.25 Td (be ) Tj ET Q q 0 0 0 rg BT 484.67 322.25 Td (outside ) Tj ET Q q 0 0 0 rg BT 516.13 322.25 Td (these ) Tj ET Q q 0 0 0 rg BT 539.24 322.25 Td (limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 77.50 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.22 310.25 Td (Banks ) Tj ET Q q 0 0 0 rg BT 119.72 310.25 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 163.30 310.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 192.45 310.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 217.17 310.25 Td (are ) Tj ET Q q 0 0 0 rg BT 231.88 310.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 277.69 310.25 Td (to ) Tj ET Q q 0 0 0 rg BT 287.97 310.25 Td (be ) Tj ET Q q 0 0 0 rg BT 299.91 310.25 Td ("well ) Tj ET Q q 0 0 0 rg BT 323.71 310.25 Td (capitalized".) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 292.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.61 292.25 Td (following ) Tj ET Q q 0 0 0 rg BT 130.57 292.25 Td (table ) Tj ET Q q 0 0 0 rg BT 153.07 292.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 171.14 292.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 193.65 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.93 292.25 Td (estimatedpercentage ) Tj ET Q q 0 0 0 rg BT 296.12 292.25 Td (change ) Tj ET Q q 0 0 0 rg BT 327.50 292.25 Td (in ) Tj ET Q q 0 0 0 rg BT 338.35 292.25 Td (our ) Tj ET Q q 0 0 0 rg BT 354.75 292.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 396.69 292.25 Td (value ) Tj ET Q q 0 0 0 rg BT 421.41 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.81 292.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 460.87 292.25 Td (at ) Tj ET Q q 0 0 0 rg BT 471.15 292.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 491.72 292.25 Td (assuming ) Tj ET Q q 0 0 0 rg BT 532.57 292.25 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (shifts ) Tj ET Q q 0 0 0 rg BT 74.17 280.25 Td (in ) Tj ET Q q 0 0 0 rg BT 84.45 280.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 116.38 280.25 Td (rates:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Parallel Shock) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 224.75 m 508.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 224.75 m 512.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 224.75 m 562.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 211.75 m 508.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 211.75 m 512.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 211.75 m 562.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 198.75 m 454.5 198.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 198.75 m 508.5 198.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 211.75 m 562.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 198.75 m 562.5 198.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 198.75 m 562.5 198.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.50 236.98 Td (Estimated Per) Tj ET Q q 0 0 0 rg BT 513.01 236.98 Td (cent Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.30 228.98 Td (in Economic ) Tj ET Q q 0 0 0 rg BT 505.60 228.98 Td (V) Tj ET Q q 0 0 0 rg BT 510.64 228.98 Td (alue of Equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.50 215.98 Td (At December) Tj ET Q q 0 0 0 rg BT 526.51 215.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 202.98 Td (Rate Changes \(basis points\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 202.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 202.98 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 188.42 Td (\(100\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.00 188.32 Td (......................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 188.42 Td (2.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.50 188.42 Td (\(1.60\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 173.42 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 173.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.80 173.47 Td (\(7.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 173.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 173.47 Td (\(10.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 173.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 158.42 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 158.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.80 158.47 Td (\(18.60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 158.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 158.47 Td (\(22.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 158.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 143.42 Td (300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.50 143.32 Td (.........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.80 143.47 Td (\(27.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 143.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 143.47 Td (\(32.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 143.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 121.25 Td (While ) Tj ET Q q 0 0 0 rg BT 96.54 121.25 Td (ALCO ) Tj ET Q q 0 0 0 rg BT 126.46 121.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 160.26 121.25 Td (and ) Tj ET Q q 0 0 0 rg BT 177.39 121.25 Td (updates ) Tj ET Q q 0 0 0 rg BT 210.64 121.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 255.56 121.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 307.71 121.25 Td (and ) Tj ET Q q 0 0 0 rg BT 324.85 121.25 Td (also ) Tj ET Q q 0 0 0 rg BT 343.65 121.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 394.11 121.25 Td (back-tests ) Tj ET Q q 0 0 0 rg BT 436.80 121.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.71 121.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 496.63 121.25 Td (results ) Tj ET Q q 0 0 0 rg BT 525.44 121.25 Td (to ) Tj ET Q q 0 0 0 rg BT 535.92 121.25 Td (ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.61 109.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.44 109.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 134.50 109.25 Td (are ) Tj ET Q q 0 0 0 rg BT 149.33 109.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 194.69 109.25 Td (and ) Tj ET Q q 0 0 0 rg BT 211.75 109.25 Td (current, ) Tj ET Q q 0 0 0 rg BT 245.18 109.25 Td (income ) Tj ET Q q 0 0 0 rg BT 277.23 109.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 322.06 109.25 Td (may ) Tj ET Q q 0 0 0 rg BT 341.89 109.25 Td (not ) Tj ET Q q 0 0 0 rg BT 357.29 109.25 Td (always ) Tj ET Q q 0 0 0 rg BT 387.67 109.25 Td (prove ) Tj ET Q q 0 0 0 rg BT 413.05 109.25 Td (to ) Tj ET Q q 0 0 0 rg BT 423.45 109.25 Td (be ) Tj ET Q q 0 0 0 rg BT 435.50 109.25 Td (an ) Tj ET Q q 0 0 0 rg BT 447.55 109.25 Td (accurate ) Tj ET Q q 0 0 0 rg BT 483.47 109.25 Td (indicator ) Tj ET Q q 0 0 0 rg BT 521.63 109.25 Td (of ) Tj ET Q q 0 0 0 rg BT 532.57 109.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.56 97.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 85.13 97.25 Td (or ) Tj ET Q q 0 0 0 rg BT 96.04 97.25 Td (future ) Tj ET Q q 0 0 0 rg BT 122.49 97.25 Td (net ) Tj ET Q q 0 0 0 rg BT 137.28 97.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 169.29 97.25 Td (mar) Tj ET Q q 0 0 0 rg BT 184.66 97.25 Td (gin. ) Tj ET Q q 0 0 0 rg BT 202.51 97.25 Td (Over ) Tj ET Q q 0 0 0 rg BT 225.08 97.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 247.92 97.25 Td (the ) Tj ET Q q 0 0 0 rg BT 262.71 97.25 Td (repricing, ) Tj ET Q q 0 0 0 rg BT 303.88 97.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 340.34 97.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.35 97.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 407.13 97.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 466.89 97.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.80 97.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 515.35 97.25 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 85.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.29 85.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 133.05 85.25 Td (of ) Tj ET Q q 0 0 0 rg BT 143.70 85.25 Td (our ) Tj ET Q q 0 0 0 rg BT 159.35 85.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 192.20 85.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 215.07 85.25 Td (may ) Tj ET Q q 0 0 0 rg BT 234.60 85.25 Td (change ) Tj ET Q q 0 0 0 rg BT 265.24 85.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.33 85.25 Td (a ) Tj ET Q q 0 0 0 rg BT 282.09 85.25 Td (dif) Tj ET Q q 0 0 0 rg BT 293.02 85.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 318.65 85.25 Td (degree ) Tj ET Q q 0 0 0 rg BT 347.61 85.25 Td (than ) Tj ET Q q 0 0 0 rg BT 367.15 85.25 Td (estimated. ) Tj ET Q q 0 0 0 rg BT 410.29 85.25 Td (Due ) Tj ET Q q 0 0 0 rg BT 429.27 85.25 Td (to ) Tj ET Q q 0 0 0 rg BT 439.36 85.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.90 85.25 Td (low ) Tj ET Q q 0 0 0 rg BT 471.22 85.25 Td (current ) Tj ET Q q 0 0 0 rg BT 501.85 85.25 Td (level ) Tj ET Q q 0 0 0 rg BT 523.60 85.25 Td (of ) Tj ET Q q 0 0 0 rg BT 534.25 85.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.70 73.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 105.34 73.25 Td (the ) Tj ET Q q 0 0 0 rg BT 119.82 73.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 154.30 73.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 189.34 73.25 Td (has ) Tj ET Q q 0 0 0 rg BT 204.93 73.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 255.50 73.25 Td (relatively ) Tj ET Q q 0 0 0 rg BT 295.52 73.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 322.78 73.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 353.37 73.25 Td (in ) Tj ET Q q 0 0 0 rg BT 363.42 73.25 Td (low-cost ) Tj ET Q q 0 0 0 rg BT 400.12 73.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 425.16 73.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 456.87 73.25 Td (core ) Tj ET Q q 0 0 0 rg BT 476.34 73.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 511.38 73.25 Td (over ) Tj ET Q q 0 0 0 rg BT 531.41 73.25 Td (the ) Tj ET Q q 0 0 0 rg BT 545.89 73.25 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.25 Td (severalyears. ) Tj ET Q q 0 0 0 rg BT 107.12 61.25 Td (ALCO ) Tj ET Q q 0 0 0 rg BT 137.82 61.25 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 184.04 61.25 Td (that ) Tj ET Q q 0 0 0 rg BT 202.51 61.25 Td (a ) Tj ET Q q 0 0 0 rg BT 210.42 61.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 242.78 61.25 Td (of ) Tj ET Q q 0 0 0 rg BT 254.59 61.25 Td (these ) Tj ET Q q 0 0 0 rg BT 278.61 61.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 319.83 61.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 346.63 61.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.43 61.25 Td (low-cost ) Tj ET Q q 0 0 0 rg BT 396.35 61.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 434.24 61.25 Td (could ) Tj ET Q q 0 0 0 rg BT 459.93 61.25 Td (shift ) Tj ET Q q 0 0 0 rg BT 481.18 61.25 Td (into ) Tj ET Q q 0 0 0 rg BT 500.21 61.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 529.23 61.25 Td (yielding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 49.25 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 99.05 49.25 Td (in ) Tj ET Q q 0 0 0 rg BT 109.79 49.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.97 49.25 Td (future, ) Tj ET Q q 0 0 0 rg BT 154.31 49.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 203.36 49.25 Td (if ) Tj ET Q q 0 0 0 rg BT 212.43 49.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 244.82 49.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 266.66 49.25 Td (rise ) Tj ET Q q 0 0 0 rg BT 284.06 49.25 Td (and ) Tj ET Q q 0 0 0 rg BT 301.46 49.25 Td (as ) Tj ET Q q 0 0 0 rg BT 312.75 49.25 Td (confidence ) Tj ET Q q 0 0 0 rg BT 359.58 49.25 Td (in ) Tj ET Q q 0 0 0 rg BT 370.31 49.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 408.26 49.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 442.87 49.25 Td (strengthens, ) Tj ET Q q 0 0 0 rg BT 493.88 49.25 Td (and ) Tj ET Q q 0 0 0 rg BT 511.28 49.25 Td (has ) Tj ET Q q 0 0 0 rg BT 527.57 49.25 Td (modeled ) 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 (58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 91.19 742.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 128.52 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.28 742.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 172.61 742.10 Td (shifts ) Tj ET Q q 0 0 0 rg BT 197.71 742.10 Td (out ) Tj ET Q q 0 0 0 rg BT 213.93 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.70 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 249.68 742.10 Td (low-cost ) Tj ET Q q 0 0 0 rg BT 287.56 742.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 331.53 742.10 Td (into ) Tj ET Q q 0 0 0 rg BT 350.52 742.10 Td (higher) Tj ET Q q 0 0 0 rg BT 375.87 742.10 Td (-cost ) Tj ET Q q 0 0 0 rg BT 398.75 742.10 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 448.27 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.49 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.14 742.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 501.36 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 519.78 742.10 Td (simulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 89.71 730.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 130.52 730.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.10 Td (It ) Tj ET Q q 0 0 0 rg BT 79.22 712.10 Td (should ) Tj ET Q q 0 0 0 rg BT 109.01 712.10 Td (be ) Tj ET Q q 0 0 0 rg BT 121.56 712.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 146.89 712.10 Td (that ) Tj ET Q q 0 0 0 rg BT 165.00 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.34 712.10 Td (static ) Tj ET Q q 0 0 0 rg BT 204.56 712.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 238.20 712.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 261.87 712.10 Td (assumption ) Tj ET Q q 0 0 0 rg BT 310.54 712.10 Td (does ) Tj ET Q q 0 0 0 rg BT 331.98 712.10 Td (not ) Tj ET Q q 0 0 0 rg BT 347.88 712.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 395.42 712.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 424.06 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.51 712.10 Td (expectation ) Tj ET Q q 0 0 0 rg BT 489.71 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 504.49 712.10 Td (future ) Tj ET Q q 0 0 0 rg BT 531.48 712.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 72.83 700.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 105.94 700.10 Td (which ) Tj ET Q q 0 0 0 rg BT 132.66 700.10 Td (is ) Tj ET Q q 0 0 0 rg BT 141.61 700.10 Td (a ) Tj ET Q q 0 0 0 rg BT 148.33 700.10 Td (function ) Tj ET Q q 0 0 0 rg BT 183.93 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.54 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.04 700.10 Td (business ) Tj ET Q q 0 0 0 rg BT 245.21 700.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 298.03 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.75 700.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 353.69 700.10 Td (behavior) Tj ET Q q 0 0 0 rg BT 388.12 700.10 Td (. ) Tj ET Q q 0 0 0 rg BT 392.40 700.10 Td (Another ) Tj ET Q q 0 0 0 rg BT 427.45 700.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 471.94 700.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 516.44 700.10 Td (assumption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.95 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.45 688.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 119.85 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.46 688.10 Td (core ) Tj ET Q q 0 0 0 rg BT 151.96 688.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 188.02 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.08 688.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 249.58 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 260.64 688.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 293.35 688.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 318.02 688.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 351.28 688.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 396.79 688.10 Td (results ) Tj ET Q q 0 0 0 rg BT 426.18 688.10 Td (assume ) Tj ET Q q 0 0 0 rg BT 458.90 688.10 Td (that ) Tj ET Q q 0 0 0 rg BT 477.18 688.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 512.67 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 523.74 688.10 Td (both ) Tj ET Q q 0 0 0 rg BT 544.80 688.10 Td (core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 83.58 676.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 116.05 676.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 138.51 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.52 676.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 194.53 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 210.32 676.10 Td (related ) Tj ET Q q 0 0 0 rg BT 241.10 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.46 676.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 288.25 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 299.60 676.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 344.84 676.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 377.85 676.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 402.81 676.10 Td (Lastly) Tj ET Q q 0 0 0 rg BT 427.16 676.10 Td (, ) Tj ET Q q 0 0 0 rg BT 433.24 676.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 506.23 676.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 547.57 676.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 91.50 664.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 116.35 664.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 150.09 664.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.27 664.10 Td (level ) Tj ET Q q 0 0 0 rg BT 181.44 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.51 664.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 212.25 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 230.99 664.10 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 278.59 664.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 314.54 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 326.06 664.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 377.00 664.10 Td (speeds ) Tj ET Q q 0 0 0 rg BT 407.40 664.10 Td (may ) Tj ET Q q 0 0 0 rg BT 428.36 664.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 454.31 664.10 Td (related ) Tj ET Q q 0 0 0 rg BT 485.25 664.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 506.76 664.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 532.72 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 544.24 664.10 Td (vary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 102.87 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 113.52 652.10 Td (dif) Tj ET Q q 0 0 0 rg BT 124.45 652.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 151.21 652.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 169.07 652.10 Td (environments. ) Tj ET Q q 0 0 0 rg BT 228.88 652.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 251.76 652.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 286.84 652.10 Td (could ) Tj ET Q q 0 0 0 rg BT 311.94 652.10 Td (af) Tj ET Q q 0 0 0 rg BT 319.52 652.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 337.39 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.48 652.10 Td (level ) Tj ET Q q 0 0 0 rg BT 374.79 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.00 652.10 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 440.53 652.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 458.40 652.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 502.38 652.10 Td (with ) Tj ET Q q 0 0 0 rg BT 523.03 652.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 543.68 652.10 Td (flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (from ) Tj ET Q q 0 0 0 rg BT 70.81 640.10 Td (these ) Tj ET Q q 0 0 0 rg BT 92.73 640.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 143.27 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 152.97 640.10 Td (well ) Tj ET Q q 0 0 0 rg BT 171.56 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 181.26 640.10 Td (their ) Tj ET Q q 0 0 0 rg BT 200.96 640.10 Td (market ) Tj ET Q q 0 0 0 rg BT 230.09 640.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 255.62 640.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 291.43 640.10 Td (in ) Tj ET Q q 0 0 0 rg BT 300.58 640.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 349.16 640.10 Td (speeds ) Tj ET Q q 0 0 0 rg BT 377.19 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 400.78 640.10 Td (also ) Tj ET Q q 0 0 0 rg BT 418.26 640.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 452.38 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 462.08 640.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 497.87 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.46 640.10 Td (amortization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 628.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 99.43 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 110.26 628.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 149.40 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.23 628.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 200.51 628.10 Td (related ) Tj ET Q q 0 0 0 rg BT 230.21 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.49 628.10 Td (such ) Tj ET Q q 0 0 0 rg BT 261.32 628.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 312.99 628.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 345.47 628.10 Td (af) Tj ET Q q 0 0 0 rg BT 353.06 628.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 383.33 628.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 415.26 628.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.85 610.10 Td (Alternative ) Tj ET Q q 0 0 0 rg BT 135.79 610.10 Td (Reference ) Tj ET Q q 0 0 0 rg BT 179.28 610.10 Td (Rates ) Tj ET Q q 0 0 0 rg BT 204.45 610.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 251.85 610.10 Td (\("ARRC"\) ) Tj ET Q q 0 0 0 rg BT 296.87 610.10 Td (has ) Tj ET Q q 0 0 0 rg BT 313.16 610.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 352.78 610.10 Td (that ) Tj ET Q q 0 0 0 rg BT 370.74 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.91 610.10 Td (Secured ) Tj ET Q q 0 0 0 rg BT 421.08 610.10 Td (Overnight ) Tj ET Q q 0 0 0 rg BT 464.59 610.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 500.89 610.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 522.17 610.10 Td (\("SOFR"\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (replace ) Tj ET Q q 0 0 0 rg BT 81.05 598.10 Td (USD-LIBOR. ) Tj ET Q q 0 0 0 rg BT 138.60 598.10 Td (ARRC ) Tj ET Q q 0 0 0 rg BT 168.02 598.10 Td (has ) Tj ET Q q 0 0 0 rg BT 183.54 598.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 222.40 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 239.58 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.99 598.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 293.96 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.93 598.10 Td (SOFR ) Tj ET Q q 0 0 0 rg BT 331.14 598.10 Td (from ) Tj ET Q q 0 0 0 rg BT 352.77 598.10 Td (USD-LIBOR ) Tj ET Q q 0 0 0 rg BT 408.30 598.10 Td (will ) Tj ET Q q 0 0 0 rg BT 426.04 598.10 Td (take ) Tj ET Q q 0 0 0 rg BT 444.89 598.10 Td (place ) Tj ET Q q 0 0 0 rg BT 468.18 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 480.37 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.78 598.10 Td (end ) Tj ET Q q 0 0 0 rg BT 511.41 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.93 598.10 Td (2021. ) Tj ET Q q 0 0 0 rg BT 546.47 598.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.38 586.10 Td (has ) Tj ET Q q 0 0 0 rg BT 107.20 586.10 Td (material ) Tj ET Q q 0 0 0 rg BT 142.44 586.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 181.03 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 198.51 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 213.21 586.10 Td (indexed ) Tj ET Q q 0 0 0 rg BT 247.35 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.62 586.10 Td (USD-LIBOR. ) Tj ET Q q 0 0 0 rg BT 315.94 586.10 Td (Industry ) Tj ET Q q 0 0 0 rg BT 351.76 586.10 Td (or) Tj ET Q q 0 0 0 rg BT 359.91 586.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 407.94 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 422.64 586.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 461.22 586.10 Td (working ) Tj ET Q q 0 0 0 rg BT 497.04 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 509.53 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.24 586.10 Td (transition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (plan. ) Tj ET Q q 0 0 0 rg BT 72.04 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 90.08 574.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 131.47 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.64 574.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 179.23 574.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 226.18 574.10 Td (this ) Tj ET Q q 0 0 0 rg BT 243.13 574.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 275.62 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.55 574.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 336.70 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.42 574.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 372.81 574.10 Td (involved.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Impact of Inflation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.39 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 124.20 538.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 168.25 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.52 538.10 Td (related ) Tj ET Q q 0 0 0 rg BT 213.56 538.10 Td (data ) Tj ET Q q 0 0 0 rg BT 232.05 538.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 272.76 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 282.37 538.10 Td (this ) Tj ET Q q 0 0 0 rg BT 298.65 538.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 327.14 538.10 Td (report ) Tj ET Q q 0 0 0 rg BT 352.86 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 373.57 538.10 Td (been ) Tj ET Q q 0 0 0 rg BT 394.28 538.10 Td (prepared ) Tj ET Q q 0 0 0 rg BT 431.09 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 440.70 538.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 487.50 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 507.11 538.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 533.23 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 537.57 538.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (require ) Tj ET Q q 0 0 0 rg BT 81.47 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.85 526.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 133.33 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.81 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 182.95 526.10 Td (position ) Tj ET Q q 0 0 0 rg BT 218.34 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.94 526.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 276.86 526.10 Td (results ) Tj ET Q q 0 0 0 rg BT 306.13 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.07 526.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 342.44 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.93 526.10 Td (historic ) Tj ET Q q 0 0 0 rg BT 387.08 526.10 Td (dollars, ) Tj ET Q q 0 0 0 rg BT 419.96 526.10 Td (without ) Tj ET Q q 0 0 0 rg BT 453.68 526.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 503.49 526.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 538.86 526.10 Td (in ) 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 (relative ) Tj ET Q q 0 0 0 rg BT 82.48 514.10 Td (purchasing ) Tj ET Q q 0 0 0 rg BT 128.86 514.10 Td (power ) Tj ET Q q 0 0 0 rg BT 156.35 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.18 514.10 Td (money ) Tj ET Q q 0 0 0 rg BT 196.89 514.10 Td (over ) Tj ET Q q 0 0 0 rg BT 217.16 514.10 Td (time ) Tj ET Q q 0 0 0 rg BT 237.44 514.10 Td (due ) Tj ET Q q 0 0 0 rg BT 254.38 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.65 514.10 Td (inflation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.10 Td (Inflation ) Tj ET Q q 0 0 0 rg BT 106.64 496.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 146.05 496.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 184.90 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.32 496.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 221.53 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.06 496.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 256.49 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.14 496.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 313.11 496.10 Td (overhead, ) Tj ET Q q 0 0 0 rg BT 354.46 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.10 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.09 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.51 496.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 422.15 496.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 445.46 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.11 496.10 Td (other ) Tj ET Q q 0 0 0 rg BT 484.86 496.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 510.40 496.10 Td (bear ) Tj ET Q q 0 0 0 rg BT 529.81 496.10 Td (variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 73.52 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 87.89 484.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 113.92 484.10 Td (on ) Tj ET Q q 0 0 0 rg BT 126.07 484.10 Td (such ) Tj ET Q q 0 0 0 rg BT 146.55 484.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 174.53 484.10 Td (Unlike ) Tj ET Q q 0 0 0 rg BT 203.89 484.10 Td (most ) Tj ET Q q 0 0 0 rg BT 225.49 484.10 Td (industrial ) Tj ET Q q 0 0 0 rg BT 265.41 484.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 312.82 484.10 Td (virtually ) Tj ET Q q 0 0 0 rg BT 348.85 484.10 Td (all ) Tj ET Q q 0 0 0 rg BT 360.99 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.47 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.83 484.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 411.31 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.89 484.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 467.26 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.74 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.32 484.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.45 484.10 Td (institution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 63.71 472.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 102.98 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.27 472.10 Td (nature. ) Tj ET Q q 0 0 0 rg BT 140.93 472.10 Td (As ) Tj ET Q q 0 0 0 rg BT 153.55 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.49 472.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 185.71 472.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 216.65 472.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 237.04 472.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 275.75 472.10 Td (have ) Tj ET Q q 0 0 0 rg BT 296.13 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 302.07 472.10 Td (more ) Tj ET Q q 0 0 0 rg BT 324.13 472.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 367.85 472.10 Td (ef) Tj ET Q q 0 0 0 rg BT 375.43 472.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 391.93 472.10 Td (on ) Tj ET Q q 0 0 0 rg BT 403.43 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.16 472.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 469.18 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.02 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.97 472.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.45 472.10 Td (institution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (than ) Tj ET Q q 0 0 0 rg BT 70.62 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.25 460.10 Td (ef) Tj ET Q q 0 0 0 rg BT 93.84 460.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 116.12 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.86 460.10 Td (general ) Tj ET Q q 0 0 0 rg BT 160.69 460.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 187.42 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.16 460.10 Td (inflation. ) Tj ET Q q 0 0 0 rg BT 238.95 460.10 Td (In ) Tj ET Q q 0 0 0 rg BT 250.68 460.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 289.37 460.10 Td (inflation ) Tj ET Q q 0 0 0 rg BT 326.65 460.10 Td (af) Tj ET Q q 0 0 0 rg BT 334.24 460.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 356.53 460.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.37 460.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 402.76 460.10 Td (institution) Tj ET Q q 0 0 0 rg BT 446.10 460.10 Td (s ) Tj ET Q q 0 0 0 rg BT 453.40 460.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 472.91 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.65 460.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 511.95 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.80 460.10 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 95.46 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.10 448.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 128.63 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.38 448.10 Td (salaries ) Tj ET Q q 0 0 0 rg BT 171.79 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.65 448.10 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 225.22 448.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 270.40 448.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 305.03 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.89 448.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 352.08 448.10 Td (items. ) Tj ET Q q 0 0 0 rg BT 378.67 448.10 Td (Inflation ) Tj ET Q q 0 0 0 rg BT 415.53 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.39 448.10 Td (related ) Tj ET Q q 0 0 0 rg BT 462.01 448.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 501.08 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.28 448.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 543.13 448.10 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.56 436.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 126.34 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.92 436.10 Td (market ) Tj ET Q q 0 0 0 rg BT 171.05 436.10 Td (value ) Tj ET Q q 0 0 0 rg BT 195.06 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.76 436.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 255.89 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.69 436.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 296.16 436.10 Td (held ) Tj ET Q q 0 0 0 rg BT 315.74 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.54 436.10 Td (may ) Tj ET Q q 0 0 0 rg BT 352.12 436.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 392.80 436.10 Td (af) Tj ET Q q 0 0 0 rg BT 400.39 436.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 417.74 436.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 450.98 436.10 Td (, ) Tj ET Q q 0 0 0 rg BT 455.84 436.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 492.08 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.88 436.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 562.00 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (equity) Tj ET Q q 0 0 0 rg BT 74.35 424.10 Td (.) 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 (59) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item8. ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (Financial Statements and Supplementary Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 718.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 125.53 718.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 170.24 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 187.18 718.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 248.55 718.25 Td (data ) Tj ET Q q 0 0 0 rg BT 267.71 718.25 Td (required ) Tj ET Q q 0 0 0 rg BT 303.52 718.25 Td (by ) Tj ET Q q 0 0 0 rg BT 316.02 718.25 Td (this ) Tj ET Q q 0 0 0 rg BT 332.97 718.25 Td (item ) Tj ET Q q 0 0 0 rg BT 353.24 718.25 Td (are ) Tj ET Q q 0 0 0 rg BT 367.95 718.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 408.76 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 419.04 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.76 718.25 Td (order ) Tj ET Q q 0 0 0 rg BT 457.36 718.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 485.97 718.25 Td (below:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (Report of Independent Registered Public ) Tj ET Q q 0 0 0 rg BT 215.24 700.25 Td (Accounting Firm ) Tj ET Q q 0 0 0 rg BT 298.29 700.25 Td (As of and for the ) Tj ET Q q 0 0 0 rg BT 368.18 700.25 Td (Y) Tj ET Q q 0 0 0 rg BT 374.40 700.25 Td (ears Ended December 31, 2018 and 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (Report of Independent Registered Public ) Tj ET Q q 0 0 0 rg BT 215.24 688.25 Td (Accounting Firm For the ) Tj ET Q q 0 0 0 rg BT 329.58 688.25 Td (Y) Tj ET Q q 0 0 0 rg BT 335.80 688.25 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (Consolidated Balance Sheets as of December31, 2018 and 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (Consolidated Statements of Income for theyears ended December31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Consolidated Statements of Comprehensive Income for theyears ended December31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (Consolidated Statements of Shareholders) Tj ET Q q 0 0 0 rg BT 217.28 640.25 Td ( Equity for theyears ended December31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Consolidated Statements of Cash Flows for theyears ended December31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (Notes to Consolidated Financial Statements) Tj ET Q BT /F1 10.00 Tf ET 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 (60) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.05 742.25 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 316.13 742.25 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 357.81 742.25 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 712.25 Td (o the Shareholders and the Board of Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (Bankwell Financial Group, Inc. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (Opinion on the Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 652.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 652.25 Td (e ) Tj ET Q q 0 0 0 rg BT 83.75 652.25 Td (have ) Tj ET Q q 0 0 0 rg BT 105.29 652.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 137.40 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.29 652.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 213.27 652.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 266.48 652.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 299.68 652.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 326.79 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.79 652.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 378.79 652.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 418.67 652.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 449.40 652.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 467.34 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.45 652.25 Td (its ) Tj ET Q q 0 0 0 rg BT 496.56 652.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 546.45 652.25 Td (\(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (Company\) ) Tj ET Q q 0 0 0 rg BT 93.75 640.25 Td (as ) Tj ET Q q 0 0 0 rg BT 103.62 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.48 640.25 Td (December ) Tj ET Q q 0 0 0 rg BT 156.10 640.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 170.14 640.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 191.67 640.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.65 640.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 231.68 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 245.44 640.25 Td (related ) Tj ET Q q 0 0 0 rg BT 274.17 640.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 326.25 640.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 370.00 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.87 640.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 413.33 640.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 475.40 640.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 508.87 640.25 Td (shareholders) Tj ET Q q 0 0 0 rg BT 562.00 640.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.38 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 94.21 628.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 114.37 628.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 138.98 628.25 Td (for ) Tj ET Q q 0 0 0 rg BT 153.03 628.25 Td (each ) Tj ET Q q 0 0 0 rg BT 173.73 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.45 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.06 628.25 Td (two ) Tj ET Q q 0 0 0 rg BT 216.45 628.25 Td (years ) Tj ET Q q 0 0 0 rg BT 239.94 628.25 Td (in ) Tj ET Q q 0 0 0 rg BT 250.10 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.71 628.25 Td (period ) Tj ET Q q 0 0 0 rg BT 292.65 628.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 318.91 628.25 Td (December ) Tj ET Q q 0 0 0 rg BT 362.39 628.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 377.27 628.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 402.16 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 418.99 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.60 628.25 Td (related ) Tj ET Q q 0 0 0 rg BT 463.19 628.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 486.69 628.25 Td (to ) Tj ET Q q 0 0 0 rg BT 496.85 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.46 628.25 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.52 616.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 132.28 616.25 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 181.61 616.25 Td (, ) Tj ET Q q 0 0 0 rg BT 186.65 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 201.41 616.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 238.94 616.25 Td (statements\). ) Tj ET Q q 0 0 0 rg BT 289.52 616.25 Td (In ) Tj ET Q q 0 0 0 rg BT 300.40 616.25 Td (our ) Tj ET Q q 0 0 0 rg BT 316.27 616.25 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 351.87 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.63 616.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 404.16 616.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 448.91 616.25 Td (present ) Tj ET Q q 0 0 0 rg BT 480.33 616.25 Td (fairly) Tj ET Q q 0 0 0 rg BT 501.34 616.25 Td (, ) Tj ET Q q 0 0 0 rg BT 506.38 616.25 Td (in ) Tj ET Q q 0 0 0 rg BT 516.70 616.25 Td (all ) Tj ET Q q 0 0 0 rg BT 529.24 616.25 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (respects, ) Tj ET Q q 0 0 0 rg BT 87.32 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 102.14 604.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 139.73 604.25 Td (position ) Tj ET Q q 0 0 0 rg BT 174.57 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.51 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 200.34 604.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 241.83 604.25 Td (as ) Tj ET Q q 0 0 0 rg BT 252.77 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.71 604.25 Td (December ) Tj ET Q q 0 0 0 rg BT 307.41 604.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 322.52 604.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 345.13 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 362.18 604.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 387.29 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 404.33 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 419.16 604.25 Td (results ) Tj ET Q q 0 0 0 rg BT 447.88 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.82 604.25 Td (its ) Tj ET Q q 0 0 0 rg BT 470.88 604.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 515.14 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.19 604.25 Td (its ) Tj ET Q q 0 0 0 rg BT 544.25 604.25 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 73.83 592.25 Td (for ) Tj ET Q q 0 0 0 rg BT 87.10 592.25 Td (each ) Tj ET Q q 0 0 0 rg BT 107.03 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.97 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.80 592.25 Td (two ) Tj ET Q q 0 0 0 rg BT 147.41 592.25 Td (years ) Tj ET Q q 0 0 0 rg BT 170.12 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 179.50 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.33 592.25 Td (period ) Tj ET Q q 0 0 0 rg BT 220.49 592.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 245.98 592.25 Td (December ) Tj ET Q q 0 0 0 rg BT 288.67 592.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 302.78 592.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 326.89 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 336.28 592.25 Td (conformity ) Tj ET Q q 0 0 0 rg BT 382.32 592.25 Td (with ) Tj ET Q q 0 0 0 rg BT 401.71 592.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 447.19 592.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 488.24 592.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 527.05 592.25 Td (accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 580.25 Td (United ) Tj ET Q q 0 0 0 rg BT 104.71 580.25 Td (States ) Tj ET Q q 0 0 0 rg BT 131.10 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.38 580.25 Td (America. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (Basis for) Tj ET Q q 0 0 0 rg BT 87.32 556.25 Td ( Opinion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 532.25 Td (These ) Tj ET Q q 0 0 0 rg BT 94.37 532.25 Td (financial ) Tj ET Q q 0 0 0 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ET Q q 0 0 0 rg BT 171.98 508.25 Td (\(United ) Tj ET Q q 0 0 0 rg BT 206.35 508.25 Td (States\) ) Tj ET Q q 0 0 0 rg BT 237.38 508.25 Td (\(PCAOB\) ) Tj ET Q q 0 0 0 rg BT 281.21 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 299.46 508.25 Td (are ) Tj ET Q q 0 0 0 rg BT 315.49 508.25 Td (required ) Tj ET Q q 0 0 0 rg BT 352.62 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 364.21 508.25 Td (be ) Tj ET Q q 0 0 0 rg BT 377.47 508.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 430.16 508.25 Td (with ) Tj ET Q q 0 0 0 rg BT 451.75 508.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 483.89 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.48 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.52 508.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 554.22 508.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 97.15 496.25 Td (with ) Tj ET Q q 0 0 0 rg BT 117.11 496.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 137.08 496.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 167.02 496.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 206.97 496.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 227.49 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.11 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.52 496.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 301.79 496.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 323.42 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 340.04 496.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 386.66 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 397.18 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.58 496.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 453.20 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.83 496.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 511.44 496.25 Td (Commission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 484.25 Td (PCAOB. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 460.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 460.25 Td (e ) Tj ET Q q 0 0 0 rg BT 83.44 460.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 126.89 460.25 Td (our ) Tj ET Q q 0 0 0 rg BT 142.58 460.25 Td (audits ) Tj ET Q q 0 0 0 rg BT 168.83 460.25 Td (in ) Tj ET Q q 0 0 0 rg BT 178.97 460.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 226.29 460.25 Td (with ) Tj ET Q q 0 0 0 rg BT 246.43 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 261.01 460.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 301.14 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 311.83 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.41 460.25 Td (PCAOB. ) Tj ET Q q 0 0 0 rg BT 364.44 460.25 Td (Those ) Tj ET Q q 0 0 0 rg BT 391.24 460.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 431.37 460.25 Td (require ) Tj ET Q q 0 0 0 rg BT 462.05 460.25 Td (that ) Tj ET Q q 0 0 0 rg BT 479.40 460.25 Td (we ) Tj ET Q q 0 0 0 rg BT 493.42 460.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 513.00 460.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.80 460.25 Td (perform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.61 448.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 87.00 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.17 448.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 124.55 448.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 169.70 448.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 210.96 448.25 Td (about ) Tj ET Q q 0 0 0 rg BT 235.56 448.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 270.16 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 284.77 448.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 322.14 448.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 366.75 448.25 Td (are ) Tj ET Q q 0 0 0 rg BT 381.35 448.25 Td (free ) Tj ET Q q 0 0 0 rg BT 399.27 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 410.00 448.25 Td (material ) Tj ET Q q 0 0 0 rg BT 445.15 448.25 Td (misstatement, ) Tj ET Q q 0 0 0 rg BT 502.81 448.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 537.41 448.25 Td (due ) Tj ET Q q 0 0 0 rg BT 554.24 448.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (error ) Tj ET Q q 0 0 0 rg BT 71.40 436.25 Td (or ) Tj ET Q q 0 0 0 rg BT 81.71 436.25 Td (fraud. ) Tj ET Q q 0 0 0 rg BT 107.14 436.25 Td (The ) Tj ET Q q 0 0 0 rg BT 124.66 436.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 165.52 436.25 Td (is ) Tj ET Q q 0 0 0 rg BT 174.16 436.25 Td (not ) Tj ET Q q 0 0 0 rg BT 188.92 436.25 Td (required ) Tj ET Q q 0 0 0 rg BT 224.20 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 233.96 436.25 Td (have, ) Tj ET Q q 0 0 0 rg BT 257.31 436.25 Td (nor ) Tj ET Q q 0 0 0 rg BT 272.61 436.25 Td (were ) Tj ET Q q 0 0 0 rg BT 294.02 436.25 Td (we ) Tj ET Q q 0 0 0 rg BT 307.65 436.25 Td (engaged ) Tj ET Q q 0 0 0 rg BT 342.94 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.69 436.25 Td (perform, ) Tj ET Q q 0 0 0 rg BT 389.37 436.25 Td (an ) Tj ET Q q 0 0 0 rg BT 400.79 436.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 422.75 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 433.06 436.25 Td (its ) Tj ET Q q 0 0 0 rg BT 444.48 436.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 477.00 436.25 Td (control ) Tj ET Q q 0 0 0 rg BT 507.30 436.25 Td (over ) Tj ET Q q 0 0 0 rg BT 527.04 436.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 90.97 424.25 Td (As ) Tj ET Q q 0 0 0 rg BT 104.40 424.25 Td (part ) Tj ET Q q 0 0 0 rg BT 122.27 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.93 424.25 Td (our ) Tj ET Q q 0 0 0 rg BT 148.58 424.25 Td (audits, ) Tj ET Q q 0 0 0 rg BT 177.29 424.25 Td (we ) Tj ET Q q 0 0 0 rg BT 191.27 424.25 Td (are ) Tj ET Q q 0 0 0 rg BT 205.80 424.25 Td (required ) Tj ET Q q 0 0 0 rg BT 241.44 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.54 424.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 278.86 424.25 Td (an ) Tj ET Q q 0 0 0 rg BT 290.62 424.25 Td (understanding ) Tj ET Q q 0 0 0 rg BT 349.60 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.25 424.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 393.12 424.25 Td (control ) Tj ET Q q 0 0 0 rg BT 423.77 424.25 Td (over ) Tj ET Q q 0 0 0 rg BT 443.86 424.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 481.16 424.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 520.14 424.25 Td (but ) Tj ET Q q 0 0 0 rg BT 535.24 424.25 Td (not ) Tj ET Q q 0 0 0 rg BT 550.35 424.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (expressing ) Tj ET Q q 0 0 0 rg BT 95.60 412.25 Td (an ) Tj ET Q q 0 0 0 rg BT 107.87 412.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 141.25 412.25 Td (on ) Tj ET Q q 0 0 0 rg BT 154.08 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.13 412.25 Td (ef) Tj ET Q q 0 0 0 rg BT 176.72 412.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 223.97 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 235.13 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.18 412.25 Td (Company) Tj ET Q q 0 0 0 rg BT 291.84 412.25 Td (s ) Tj ET Q q 0 0 0 rg BT 298.56 412.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 331.93 412.25 Td (control ) Tj ET Q q 0 0 0 rg BT 363.09 412.25 Td (over ) Tj ET Q q 0 0 0 rg BT 383.69 412.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 421.50 412.25 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 462.86 412.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 512.19 412.25 Td (, ) Tj ET Q q 0 0 0 rg BT 517.52 412.25 Td (we ) Tj ET Q q 0 0 0 rg BT 532.01 412.25 Td (express ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (no ) Tj ET Q q 0 0 0 rg BT 62.50 400.25 Td (such ) Tj ET Q q 0 0 0 rg BT 83.33 400.25 Td (opinion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 376.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 86.15 376.25 Td (audits ) Tj ET Q q 0 0 0 rg BT 112.64 376.25 Td (included ) Tj ET Q q 0 0 0 rg BT 149.68 376.25 Td (performing ) Tj ET Q q 0 0 0 rg BT 197.27 376.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 243.74 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 254.12 376.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 281.16 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 295.98 376.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 317.48 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 328.41 376.25 Td (material ) Tj ET Q q 0 0 0 rg BT 363.77 376.25 Td (misstatement ) Tj ET Q q 0 0 0 rg BT 419.14 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 430.08 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.89 376.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 482.48 376.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 529.79 376.25 Td (whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (due ) Tj ET Q q 0 0 0 rg BT 66.66 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 76.65 364.25 Td (error ) Tj ET Q q 0 0 0 rg BT 98.30 364.25 Td (or ) Tj ET Q q 0 0 0 rg BT 108.85 364.25 Td (fraud, ) Tj ET Q q 0 0 0 rg BT 134.67 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.32 364.25 Td (performing ) Tj ET Q q 0 0 0 rg BT 198.53 364.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 244.61 364.25 Td (that ) Tj ET Q q 0 0 0 rg BT 261.82 364.25 Td (respond ) Tj ET Q q 0 0 0 rg BT 295.70 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.70 364.25 Td (those ) Tj ET Q q 0 0 0 rg BT 329.03 364.25 Td (risks. ) Tj ET Q q 0 0 0 rg BT 352.64 364.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 374.85 364.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 420.94 364.25 Td (included ) Tj ET Q q 0 0 0 rg BT 457.59 364.25 Td (examining, ) Tj ET Q q 0 0 0 rg BT 504.52 364.25 Td (on ) Tj ET Q q 0 0 0 rg BT 516.74 364.25 Td (a ) Tj ET Q q 0 0 0 rg BT 523.40 364.25 Td (test ) Tj ET Q q 0 0 0 rg BT 539.50 364.25 Td (basis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (evidence ) Tj ET Q q 0 0 0 rg BT 88.39 352.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 129.57 352.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.65 352.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 181.39 352.25 Td (and ) Tj ET Q q 0 0 0 rg BT 198.69 352.25 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 245.99 352.25 Td (in ) Tj ET Q q 0 0 0 rg BT 256.63 352.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.71 352.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 309.55 352.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 357.12 352.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 375.53 352.25 Td (audits ) Tj ET Q q 0 0 0 rg BT 402.28 352.25 Td (also ) Tj ET Q q 0 0 0 rg BT 421.25 352.25 Td (included ) Tj ET Q q 0 0 0 rg BT 458.54 352.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 503.05 352.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.13 352.25 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 92.68 340.25 Td (used ) Tj ET Q q 0 0 0 rg BT 114.26 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 131.95 340.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 177.41 340.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 217.87 340.25 Td (made ) Tj ET Q q 0 0 0 rg BT 242.77 340.25 Td (by ) Tj ET Q q 0 0 0 rg BT 256.02 340.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 312.86 340.25 Td (as ) Tj ET Q q 0 0 0 rg BT 324.44 340.25 Td (well ) Tj ET Q q 0 0 0 rg BT 344.90 340.25 Td (as ) Tj ET Q q 0 0 0 rg BT 356.48 340.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 401.38 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.85 340.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 447.86 340.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 499.98 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 511.56 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 340.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 97.03 328.25 Td (W) Tj ET Q q 0 0 0 rg BT 105.67 328.25 Td (e ) Tj ET Q q 0 0 0 rg BT 112.61 328.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 143.98 328.25 Td (that ) Tj ET Q q 0 0 0 rg BT 161.47 328.25 Td (our ) Tj ET Q q 0 0 0 rg BT 177.30 328.25 Td (audits ) Tj ET Q q 0 0 0 rg BT 203.69 328.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 236.74 328.25 Td (a ) Tj ET Q q 0 0 0 rg BT 243.68 328.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 288.93 328.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 311.43 328.25 Td (for ) Tj ET Q q 0 0 0 rg BT 325.59 328.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.42 328.25 Td (opinion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (/s/ RSM US LLP) Tj ET Q q 0 0 0 rg BT 118.26 304.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 280.25 Td (e have served as the Company's auditor since 2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (New Haven, Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (March 4, 2019) 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 (61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.05 742.25 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 316.13 742.25 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 357.81 742.25 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 706.25 Td (o the Board of Directors and Shareholders of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (Bankwell Financial Group, Inc. and Subsidiary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 670.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 670.25 Td (e ) Tj ET Q q 0 0 0 rg BT 84.42 670.25 Td (have ) Tj ET Q q 0 0 0 rg BT 106.65 670.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 139.43 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.99 670.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 216.65 670.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 270.53 670.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 316.09 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 327.77 670.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 363.05 670.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 426.93 670.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 462.21 670.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 497.76 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 508.88 670.25 Td (shareholders) Tj ET Q q 0 0 0 rg BT 562.01 670.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (equity) Tj ET Q q 0 0 0 rg BT 74.35 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 78.97 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 95.53 658.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 115.42 658.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 139.76 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 150.21 658.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 190.66 658.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 229.99 658.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 260.17 658.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 277.56 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 294.12 658.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 337.35 658.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 355.01 658.25 Td (Company\) ) Tj ET Q q 0 0 0 rg BT 408.23 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 422.01 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.35 658.25 Td (year ) Tj ET Q q 0 0 0 rg BT 455.68 658.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 481.68 658.25 Td (December ) Tj ET Q q 0 0 0 rg BT 524.88 658.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 539.50 658.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 564.50 658.25 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 67.47 646.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.13 646.25 Td (s ) Tj ET Q q 0 0 0 rg BT 114.94 646.25 Td (management ) Tj ET Q q 0 0 0 rg BT 167.95 646.25 Td (is ) Tj ET Q q 0 0 0 rg BT 176.54 646.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 224.01 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 237.59 646.25 Td (these ) Tj ET Q q 0 0 0 rg BT 260.06 646.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 312.52 646.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 349.42 646.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 396.05 646.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 413.53 646.25 Td (responsibility ) Tj ET Q 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 622.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 610.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.64 610.25 Td (e ) Tj ET Q q 0 0 0 rg BT 82.88 610.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 125.77 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 140.90 610.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 162.70 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 172.28 610.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 219.04 610.25 Td (with ) Tj ET Q q 0 0 0 rg BT 238.62 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 252.64 610.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 292.21 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.34 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.35 610.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 343.71 610.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 384.00 610.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 432.46 610.25 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 473.70 610.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 499.94 610.25 Td (\(United ) Tj ET Q q 0 0 0 rg BT 532.28 610.25 Td (States\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (Those ) Tj ET Q q 0 0 0 rg BT 76.69 598.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 116.71 598.25 Td (require ) Tj ET Q q 0 0 0 rg BT 147.28 598.25 Td (that ) Tj ET Q q 0 0 0 rg BT 164.52 598.25 Td (we ) Tj ET Q q 0 0 0 rg BT 178.43 598.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 197.90 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.59 598.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 249.05 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.52 598.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 285.76 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.79 598.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 323.04 598.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 368.04 598.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 409.16 598.25 Td (about ) Tj ET Q q 0 0 0 rg BT 433.63 598.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 468.09 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 482.55 598.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 519.79 598.25 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td 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) Tj ET Q q 0 0 0 rg BT 531.47 586.25 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (control ) Tj ET Q q 0 0 0 rg BT 79.88 574.25 Td (over ) Tj ET Q q 0 0 0 rg BT 99.21 574.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 135.74 574.25 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 176.46 574.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 193.56 574.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 215.12 574.25 Td (included ) Tj ET Q q 0 0 0 rg BT 251.11 574.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 306.54 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.42 574.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 348.52 574.25 Td (control ) Tj ET Q q 0 0 0 rg BT 378.40 574.25 Td (over ) Tj ET Q q 0 0 0 rg BT 397.73 574.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 434.26 574.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 472.48 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 482.36 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 488.36 574.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 509.92 574.25 Td (for ) Tj ET Q q 0 0 0 rg BT 523.13 574.25 Td (designing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 72.62 562.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 119.11 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 136.73 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 151.56 562.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 199.72 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 210.12 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 224.96 562.25 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 286.73 562.25 Td (but ) Tj ET Q q 0 0 0 rg BT 302.13 562.25 Td (not ) Tj ET Q q 0 0 0 rg BT 317.53 562.25 Td (for ) Tj ET Q q 0 0 0 rg BT 331.82 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.66 562.25 Td (purpose ) Tj ET Q q 0 0 0 rg BT 380.94 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 391.90 562.25 Td (expressing ) Tj ET Q q 0 0 0 rg BT 437.29 562.25 Td (an ) Tj ET Q q 0 0 0 rg BT 449.36 562.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 482.54 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 495.16 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.00 562.25 Td (ef) Tj ET Q q 0 0 0 rg BT 517.59 562.25 Td (fectiveness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.87 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.63 550.25 Td (Company) Tj ET Q q 0 0 0 rg BT 119.29 550.25 Td (s ) Tj ET Q q 0 0 0 rg BT 126.72 550.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 160.80 550.25 Td (control ) Tj ET Q q 0 0 0 rg BT 192.67 550.25 Td (over ) Tj ET Q q 0 0 0 rg BT 213.97 550.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 252.49 550.25 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 294.41 550.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 343.74 550.25 Td (, ) Tj ET Q q 0 0 0 rg BT 349.78 550.25 Td (we ) Tj ET Q q 0 0 0 rg BT 364.98 550.25 Td (express ) Tj ET Q q 0 0 0 rg BT 398.51 550.25 Td (no ) Tj ET Q q 0 0 0 rg BT 412.05 550.25 Td (such ) Tj ET Q q 0 0 0 rg BT 433.92 550.25 Td (opinion. ) Tj ET Q q 0 0 0 rg BT 469.73 550.25 Td (An ) Tj ET Q q 0 0 0 rg BT 485.49 550.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 509.03 550.25 Td (also ) Tj ET Q q 0 0 0 rg BT 528.67 550.25 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (examining, ) Tj ET Q q 0 0 0 rg BT 97.57 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 110.43 538.25 Td (a ) Tj ET Q q 0 0 0 rg BT 117.72 538.25 Td (test ) Tj ET Q q 0 0 0 rg BT 134.47 538.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 159.83 538.25 Td (evidence ) Tj ET Q q 0 0 0 rg BT 198.22 538.25 Td (supporting ) Tj ET Q q 0 0 0 rg BT 243.85 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.93 538.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 295.67 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 312.97 538.25 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 360.27 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 370.90 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 385.98 538.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 439.38 538.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 477.21 538.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 524.78 538.25 Td (assessing ) 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 64.00 526.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 109.65 526.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 150.86 526.25 Td (used ) Tj ET Q q 0 0 0 rg BT 170.97 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 187.19 526.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 231.18 526.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 270.17 526.25 Td (made ) Tj ET Q q 0 0 0 rg BT 293.60 526.25 Td (by ) Tj ET Q q 0 0 0 rg BT 305.38 526.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 360.75 526.25 Td (as ) Tj ET Q q 0 0 0 rg BT 370.86 526.25 Td (well ) Tj ET Q q 0 0 0 rg BT 389.85 526.25 Td (as ) Tj ET Q q 0 0 0 rg BT 399.96 526.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 443.39 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.39 526.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 486.93 526.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 523.69 526.25 Td (statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 103.87 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 106.19 514.25 Td (W) Tj ET Q q 0 0 0 rg BT 114.83 514.25 Td (e ) Tj ET Q q 0 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 502.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 490.25 Td (In ) Tj ET Q q 0 0 0 rg BT 79.21 490.25 Td (our ) Tj ET Q q 0 0 0 rg BT 95.41 490.25 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 131.34 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 146.44 490.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 199.86 490.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 237.71 490.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 282.80 490.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 317.31 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 327.97 490.25 Td (above ) Tj ET Q q 0 0 0 rg BT 354.72 490.25 Td (present ) Tj ET Q q 0 0 0 rg BT 386.47 490.25 Td (fairly) Tj ET Q q 0 0 0 rg BT 407.48 490.25 Td (, ) Tj ET Q q 0 0 0 rg BT 412.85 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 423.51 490.25 Td (all ) Tj ET Q q 0 0 0 rg BT 436.38 490.25 Td (material ) Tj ET Q q 0 0 0 rg BT 472.01 490.25 Td (respects, ) Tj ET Q q 0 0 0 rg BT 509.60 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.69 490.25 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 490.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 93.76 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.30 478.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 130.17 478.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 154.49 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 164.92 478.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 205.35 478.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 244.67 478.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 274.82 478.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 292.19 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 308.73 478.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 351.94 478.25 Td (for ) Tj ET Q q 0 0 0 rg BT 365.70 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.02 478.25 Td (year ) Tj ET Q q 0 0 0 rg BT 399.33 478.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 425.31 478.25 Td (December ) Tj ET Q q 0 0 0 rg BT 468.50 478.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 483.10 478.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 507.70 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 517.58 478.25 Td (conformity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 466.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 116.65 466.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 158.58 466.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 198.29 466.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 235.76 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 246.04 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.75 466.25 Td (United ) Tj ET Q q 0 0 0 rg BT 290.47 466.25 Td (States ) Tj ET Q q 0 0 0 rg BT 316.86 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 327.13 466.25 Td (America.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 61.77 430.25 Td (Whittlesey ) Tj ET Q q 0 0 0 rg BT 107.59 430.25 Td (PC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (Hartford, ) Tj ET Q q 0 0 0 rg BT 89.43 406.25 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (March ) Tj ET Q q 0 0 0 rg BT 78.60 394.25 Td (9, ) Tj ET Q q 0 0 0 rg BT 88.60 394.25 Td (2017) 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 (62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 742.25 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 742.25 Td (oup, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.85 721.25 Td (Consolidated Balance Sheets) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 239.35 709.25 Td (\(In thousands, except shar) Tj ET Q q 0 0 0 rg BT 344.52 709.25 Td (e data\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 685.75 m 493.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 685.75 m 497.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 685.75 m 562.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 685.75 m 493.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 672.75 m 493.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 685.75 m 562.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 672.75 m 562.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 628.75 m 493.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 628.75 m 562.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 539.75 m 493.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 539.75 m 562.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 375.75 m 493.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 375.75 m 562.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 361.75 m 493.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 359.75 m 493.5 359.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 361.75 m 562.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 359.75 m 562.5 359.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 286.75 m 493.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 286.75 m 562.5 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 212.75 m 493.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 212.75 m 562.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 197.75 m 493.5 197.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 197.75 m 562.5 197.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 112.75 m 493.5 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 97.75 m 493.5 97.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 112.75 m 562.5 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 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 428.5 93.75 m 493.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 79.75 m 493.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 77.75 m 493.5 77.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 93.75 m 562.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 79.75 m 562.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 77.75 m 562.5 77.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.75 689.98 Td (December) Tj ET Q q 0 0 0 rg BT 506.32 689.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.50 676.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 676.98 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 663.43 Td (ASSETS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 648.42 Td (Cash and due from banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.50 648.32 Td (.........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 648.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 648.42 Td (75,41) Tj ET Q q 0 0 0 rg BT 484.65 648.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 648.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 648.42 Td (70,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 633.42 Td (Federal funds sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.00 633.32 Td (....................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 633.42 Td (2,701) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 633.42 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 618.42 Td (Cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.50 618.32 Td (.................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 618.42 Td (78,1) Tj ET Q q 0 0 0 rg BT 479.65 618.42 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 618.42 Td (70,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 599.42 Td (Investment securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 584.42 Td (Marketable equity securities, at fair value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.50 584.32 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 584.42 Td (2,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 584.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 569.42 Td (A) Tj ET Q q 0 0 0 rg BT 77.85 569.42 Td (vailable for sale investment securities, at fair value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 569.32 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 569.42 Td (93,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 569.42 Td (92,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 554.42 Td (Held to maturity investment securities, at amortized cost \(fair values of $21,988 and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 544.42 Td ($22,836 at December 31, 2018 and 2017, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 544.32 Td (.....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 544.42 Td (21,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 544.42 Td (21,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 529.42 Td (T) Tj ET Q q 0 0 0 rg BT 82.76 529.42 Td (otal investment securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 529.32 Td (................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 529.42 Td (1) Tj ET Q q 0 0 0 rg BT 462.15 529.42 Td (16,584) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 529.42 Td (1) Tj ET Q q 0 0 0 rg BT 531.15 529.42 Td (13,767) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 510.42 Td (Loans receivable \(net of allowance for loan losses of $15,462 and $18,904 at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 500.42 Td (December31, 2018 and 2017, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.00 500.32 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 500.42 Td (1,586,775) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 500.42 Td (1,520,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 485.42 Td (Accrued interest receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 485.32 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 485.42 Td (6,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 485.42 Td (5,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 470.42 Td (Federal Home Loan Bank stock, at cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.50 470.32 Td (...................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 470.42 Td (8,1) Tj ET Q q 0 0 0 rg BT 479.65 470.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 470.42 Td (9,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 455.42 Td (Premises and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.00 455.32 Td (....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 455.42 Td (19,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 455.42 Td (18,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 440.42 Td (Bank-owned life insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.50 440.32 Td (.......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 440.42 Td (40,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 440.42 Td (39,618) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 425.42 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.50 425.32 Td (...................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 425.42 Td (2,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 425.42 Td (2,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 410.42 Td (Other intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.50 410.32 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 410.42 Td (290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 410.42 Td (382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 395.42 Td (Deferred income taxes, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.50 395.32 Td (.......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 395.42 Td (4,347) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 395.42 Td (4,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 380.42 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 380.32 Td (..............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 380.42 Td (10,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 380.42 Td (10,448) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 365.43 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 365.43 Td (otal assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.00 365.32 Td (..........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 365.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 365.42 Td (1,873,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 365.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 365.42 Td (1,796,607) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 351.43 Td (LIABILITIES ) Tj ET Q q 0 0 0 rg BT 116.65 351.43 Td (AND SHAREHOLDERS) Tj ET Q q 0 0 0 rg BT 226.75 351.43 Td ( EQUITY) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 336.42 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 321.42 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 306.42 Td (Noninterest bearing deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.50 306.32 Td (...............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 306.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 306.42 Td (173,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 306.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 306.42 Td (172,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 291.42 Td (Interest bearing deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 291.32 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 291.42 Td (1,329,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 291.42 Td (1,225,767) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 276.42 Td (T) Tj ET Q q 0 0 0 rg BT 82.41 276.42 Td (otal deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.00 276.32 Td (....................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 276.42 Td (1,502,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 276.42 Td (1,398,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 257.42 Td (Advances from the Federal Home Loan Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.50 257.32 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 257.42 Td (160,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 257.42 Td (199,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 242.42 Td (Subordinated debentures \($25,500 face, less unamortized debt issuance costs of $345 and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 232.42 Td ($397 at December 31, 2018 and 2017, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.50 232.32 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 232.42 Td (25,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 232.42 Td (25,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 217.42 Td (Accrued expenses and other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.50 217.32 Td (.....................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 217.42 Td (12,070) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 217.42 Td (13,072) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 202.43 Td (T) Tj ET Q q 0 0 0 rg BT 89.21 202.43 Td (otal liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 202.32 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 202.42 Td (1,699,469) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 202.42 Td (1,635,580) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 187.42 Td (Commitments and contingencies \(Note 1) Tj ET Q q 0 0 0 rg BT 216.67 187.42 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 172.42 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 107.79 172.42 Td ( equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 157.42 Td (Common stock, no par value; 10,000,000 shares authorized, 7,842,271 and 7,751,424) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 147.42 Td (shares issued and outstanding at December31, 2018 and 2017, respectively) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.00 147.32 Td (....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 147.42 Td (120,527) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 147.42 Td (1) Tj ET Q q 0 0 0 rg BT 531.15 147.42 Td (18,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 132.42 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 132.32 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 132.42 Td (54,706) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 132.42 Td (41,032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 117.42 Td (Accumulated other comprehensive \(loss\) income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.50 117.32 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 117.47 Td (\(1,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 117.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 117.42 Td (1,694) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 102.43 Td (T) Tj ET Q q 0 0 0 rg BT 89.21 102.43 Td (otal shar) Tj ET Q q 0 0 0 rg BT 126.16 102.43 Td (eholders) Tj ET Q q 0 0 0 rg BT 165.14 102.43 Td ( equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.00 102.32 Td (............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 102.42 Td (174,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 102.42 Td (161,027) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 83.43 Td (T) Tj ET Q q 0 0 0 rg BT 88.75 83.43 Td (otal liabilities and shar) Tj ET Q q 0 0 0 rg BT 186.09 83.43 Td (eholders) Tj ET Q q 0 0 0 rg BT 224.78 83.43 Td ( equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.00 83.32 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 83.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 83.42 Td (1,873,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 83.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 83.42 Td (1,796,607) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 67.25 Td (See Notes to Consolidated Financial Statements) 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 (63) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 742.25 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 742.25 Td (oup, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.55 721.25 Td (Consolidated Statements of Income) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 202.45 709.25 Td (\(In thousands, except shar) Tj ET Q q 0 0 0 rg BT 307.62 709.25 Td (e and per shar) Tj ET Q q 0 0 0 rg BT 365.30 709.25 Td (e amounts\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 685.75 m 423.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 685.75 m 492.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 685.75 m 561.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 672.75 m 423.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 685.75 m 492.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 672.75 m 492.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 685.75 m 561.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 672.75 m 561.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 620.75 m 423.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 620.75 m 492.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 620.75 m 561.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 607.75 m 423.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 607.75 m 492.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 607.75 m 561.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 568.75 m 423.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 568.75 m 492.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 568.75 m 561.5 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 555.75 m 423.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 555.75 m 492.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 555.75 m 561.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 529.75 m 423.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 529.75 m 492.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 529.75 m 561.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 516.75 m 423.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 516.75 m 492.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 516.75 m 561.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 425.75 m 423.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 425.75 m 492.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 425.75 m 561.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 412.75 m 423.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 412.75 m 492.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 412.75 m 561.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 282.75 m 423.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 282.75 m 492.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 282.75 m 561.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 269.75 m 423.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 269.75 m 492.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 269.75 m 561.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 243.75 m 423.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 243.75 m 492.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 243.75 m 561.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 231.75 m 423.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 229.75 m 423.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 231.75 m 492.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 229.75 m 492.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 231.75 m 561.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 229.75 m 561.5 229.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.20 689.98 Td (Y) Tj ET Q q 0 0 0 rg BT 420.53 689.98 Td (ear) Tj ET Q q 0 0 0 rg BT 431.12 689.98 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 491.85 689.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 382.50 676.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.50 676.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.50 676.98 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 663.48 Td (Inter) Tj ET Q q 0 0 0 rg BT 73.57 663.48 Td (est and dividend income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 650.32 Td (Interest and fees on loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.00 650.32 Td (................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.00 650.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 650.32 Td (74,715) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 650.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 650.32 Td (66,841) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 650.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 650.32 Td (58,077) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 637.32 Td (Interest and dividends on securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.00 637.32 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 637.32 Td (3,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 637.32 Td (3,570) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 637.32 Td (2,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 624.32 Td (Interest on cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 624.32 Td (.............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 624.32 Td (1,428) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 624.32 Td (790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 624.32 Td (173) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 611.32 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 611.32 Td (otal interest and dividend income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 611.32 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 611.32 Td (80,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 611.32 Td (71,201) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 611.32 Td (60,990) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 598.48 Td (Inter) Tj ET Q q 0 0 0 rg BT 73.57 598.48 Td (est expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 585.32 Td (Interest expense on deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.00 585.32 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 585.32 Td (18,951) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 585.32 Td (12,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 585.32 Td (8,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 572.32 Td (Interest expense on borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.50 572.32 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 572.32 Td (4,787) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 572.32 Td (4,143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 572.32 Td (3,598) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 559.32 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 559.32 Td (otal interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 559.32 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 559.32 Td (23,738) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 559.32 Td (16,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 559.32 Td (1) Tj ET Q q 0 0 0 rg BT 535.15 559.32 Td (1,898) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 546.48 Td (Net inter) Tj ET Q q 0 0 0 rg BT 89.95 546.48 Td (est income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.00 546.32 Td (........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 546.32 Td (56,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 546.32 Td (54,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 546.32 Td (49,092) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 533.48 Td (Pr) Tj ET Q q 0 0 0 rg BT 62.46 533.48 Td (ovision for) Tj ET Q q 0 0 0 rg BT 107.55 533.48 Td ( loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.00 533.32 Td (................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 533.32 Td (3,440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 533.32 Td (1,341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 533.32 Td (3,914) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 520.48 Td (Net inter) Tj ET Q q 0 0 0 rg BT 89.95 520.48 Td (est income after) Tj ET Q q 0 0 0 rg BT 157.51 520.48 Td ( pr) Tj ET Q q 0 0 0 rg BT 169.83 520.48 Td (ovision for) Tj ET Q q 0 0 0 rg BT 214.93 520.48 Td ( loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.50 520.32 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 520.32 Td (52,886) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 520.32 Td (53,023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 520.32 Td (45,178) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 507.48 Td (Noninter) Tj ET Q q 0 0 0 rg BT 90.24 507.48 Td (est income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 494.32 Td (Service char) Tj ET Q q 0 0 0 rg BT 101.60 494.32 Td (ges and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.50 494.32 Td (.................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 494.32 Td (1,090) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 494.32 Td (1,007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 494.32 Td (963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 481.32 Td (Bank owned life insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.00 481.32 Td (..............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 481.32 Td (1,057) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 481.32 Td (1,170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 481.32 Td (693) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 468.32 Td (Gains and fees from sales of loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.00 468.32 Td (..................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 468.32 Td (984) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 468.32 Td (1,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 468.32 Td (466) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 455.32 Td (Net gain \(loss\) on sale of available for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.00 455.32 Td (....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 455.32 Td (222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 455.32 Td (165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 455.37 Td (\(1) Tj ET Q q 0 0 0 rg BT 547.63 455.37 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 455.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 442.32 Td (\(Loss\) gain on sale of foreclosed real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.50 442.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 442.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.30 442.37 Td (\(78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 442.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 442.32 Td (128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 429.32 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 429.32 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 429.32 Td (547) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 429.32 Td (938) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 429.32 Td (541) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 416.32 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 416.32 Td (otal noninterest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 416.32 Td (..........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 416.32 Td (3,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 416.32 Td (4,629) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 416.32 Td (2,676) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 403.48 Td (Noninter) Tj ET Q q 0 0 0 rg BT 90.24 403.48 Td (est expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 390.32 Td (Salaries and employee benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.50 390.32 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 390.32 Td (18,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 390.32 Td (16,284) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 390.32 Td (15,655) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 377.32 Td (Occupancy and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.00 377.32 Td (..............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 377.32 Td (6,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 377.32 Td (6,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 377.32 Td (5,81) Tj ET Q q 0 0 0 rg BT 552.65 377.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 364.32 Td (Professional services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.50 364.32 Td (.......................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 364.32 Td (2,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 364.32 Td (2,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 364.32 Td (1,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 351.32 Td (Data processing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.50 351.32 Td (...............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 351.32 Td (2,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 351.32 Td (1,866) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 351.32 Td (1,603) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 338.32 Td (Marketing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 338.32 Td (........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 338.32 Td (1,587) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 338.32 Td (1,193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 338.32 Td (948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 325.32 Td (Director fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.00 325.32 Td (....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 325.32 Td (1,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 325.32 Td (912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 325.32 Td (859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 312.32 Td (FDIC insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.50 312.32 Td (...............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 312.32 Td (779) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 312.32 Td (1,1) Tj ET Q q 0 0 0 rg BT 478.65 312.32 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 312.32 Td (660) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 299.32 Td (Amortization of intangibles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.00 299.32 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 299.32 Td (92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 299.32 Td (1) Tj ET Q q 0 0 0 rg BT 478.65 299.32 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 299.32 Td (151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 286.32 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 286.32 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 286.32 Td (2,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 286.32 Td (2,797) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 286.32 Td (2,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 273.32 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 273.32 Td (otal noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.50 273.32 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 273.32 Td (35,633) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 273.32 Td (32,523) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 273.32 Td (29,544) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 260.48 Td (Income befor) Tj ET Q q 0 0 0 rg BT 108.84 260.48 Td (e income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.00 260.32 Td (..............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 260.32 Td (21,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 260.32 Td (25,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 260.32 Td (18,310) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 247.48 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.50 247.32 Td (.......................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 247.32 Td (3,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 247.32 Td (1) Tj ET Q q 0 0 0 rg BT 466.15 247.32 Td (1,299) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 247.32 Td (5,960) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 234.48 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.50 234.32 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.00 234.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 234.32 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 234.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 234.32 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 234.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 234.32 Td (12,350) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 221.48 Td (Earnings Per) Tj ET Q q 0 0 0 rg BT 108.21 221.48 Td ( Common Shar) Tj ET Q q 0 0 0 rg BT 173.03 221.48 Td (e:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 208.32 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 208.32 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.00 208.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 208.32 Td (2.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 208.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 208.32 Td (1.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 208.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.15 208.32 Td (1.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 195.32 Td (Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 195.32 Td (..........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.00 195.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 195.32 Td (2.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 195.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 195.32 Td (1.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 195.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.15 195.32 Td (1.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 182.32 Td (W) Tj ET Q q 0 0 0 rg BT 61.04 182.32 Td (eighted ) Tj ET Q q 0 0 0 rg BT 92.30 182.32 Td (A) Tj ET Q q 0 0 0 rg BT 98.87 182.32 Td (verage Common Shares Outstanding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 169.32 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 169.32 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.65 169.32 Td (7,722,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 169.32 Td (7,572,409) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.65 169.32 Td (7,396,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 156.32 Td (Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 156.32 Td (..........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.65 156.32 Td (7,775,480) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 156.32 Td (7,670,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.65 156.32 Td (7,491,052) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 143.32 Td (Dividends per common share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 143.32 Td (..........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.00 143.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 143.32 Td (0.48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 143.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 143.32 Td (0.28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 143.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.15 143.32 Td (0.22) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 116.25 Td (See Notes to Consolidated Financial Statements) 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 (64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 742.25 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 742.25 Td (oup, Inc.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 662.42 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 662.42 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 662.42 Td (12,350) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 648.43 Td (Other) Tj ET Q q 0 0 0 rg BT 78.37 648.43 Td ( compr) Tj ET Q q 0 0 0 rg BT 108.45 648.43 Td (ehensive \(loss\) income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 633.42 Td (Unrealized \(losses\) gains on securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 618.42 Td (Unrealized holding losses on available for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 618.32 Td (.......................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 588.47 Td (\(1,854) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 588.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 588.47 Td (\(522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 588.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 588.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.00 573.42 Td (Income tax ef) Tj ET Q q 0 0 0 rg BT 127.88 573.42 Td (fectbenefit \(expense\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.50 573.32 Td (.......................................................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 503.42 Td (337) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 503.47 Td (\(454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 503.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 503.47 Td (\(354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 503.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.00 488.42 Td (Unrealized \(losses\) gains on interest rate swaps, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.00 488.32 Td (................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 488.47 Td (\(1,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 488.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 488.42 Td (843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 488.42 Td (659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 473.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 473.42 Td (otal other comprehensive \(loss\) income, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.00 473.32 Td (....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 473.47 Td (\(2,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 473.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 473.42 Td (503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 473.42 Td (663) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 458.43 Td (Compr) Tj ET Q q 0 0 0 rg BT 113.37 458.43 Td (ehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.50 458.32 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 458.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 458.42 Td (14,702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 458.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 458.42 Td (14,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 458.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 458.42 Td (13,013) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 418.25 Td (See Notes to Consolidated Financial Statements) Tj ET Q endstream endobj 135 0 obj <> endobj 136 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 /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 742.25 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 742.25 Td (oup, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 201.15 721.25 Td (Consolidated Statements of Shar) Tj ET Q q 0 0 0 rg BT 340.70 721.25 Td (eholders) Tj ET Q q 0 0 0 rg BT 379.39 721.25 Td ( Equity) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 237.20 709.25 Td (\(In thousands, except share data\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 661.75 m 295.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 661.75 m 362.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 661.75 m 429.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 661.75 m 496.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 661.75 m 563.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 661.75 m 295.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 661.75 m 362.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 661.75 m 429.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 661.75 m 496.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 661.75 m 563.5 661.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 510.75 m 295.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 510.75 m 362.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 510.75 m 429.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 510.75 m 496.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 510.75 m 563.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 360.75 m 295.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 360.75 m 362.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 360.75 m 429.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 360.75 m 496.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 360.75 m 563.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 360.75 m 295.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 360.75 m 362.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 360.75 m 429.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 360.75 m 496.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 360.75 m 563.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 234.75 m 295.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 221.75 m 295.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 219.75 m 295.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 234.75 m 362.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 221.75 m 362.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 219.75 m 362.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 234.75 m 429.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 221.75 m 429.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 219.75 m 429.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 234.75 m 496.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 221.75 m 496.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 219.75 m 496.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 234.75 m 563.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 221.75 m 563.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 219.75 m 563.5 219.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.00 681.98 Td (Number) Tj ET Q q 0 0 0 rg BT 273.30 681.98 Td ( of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 242.15 673.98 Td (Outstanding) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.00 665.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 268.30 665.98 Td (es) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.70 673.98 Td (Common) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.90 665.98 Td (Stock) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 382.15 673.98 Td (Retained) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.90 665.98 Td (Earnings) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.80 689.98 Td (Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.35 681.98 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.90 673.98 Td (Compr) Tj ET Q q 0 0 0 rg BT 462.20 673.98 Td (ehensive) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.35 665.98 Td (Income \(Loss\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.75 665.98 Td (T) Tj ET Q q 0 0 0 rg BT 527.35 665.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 652.32 Td (Balance at January 1, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.50 652.32 Td (...........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.65 652.32 Td (7,516,291) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.00 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 652.32 Td (1) Tj ET Q q 0 0 0 rg BT 331.15 652.32 Td (12,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 652.32 Td (18,963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.00 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 652.32 Td (227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.00 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 652.32 Td (131,769) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 638.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.50 638.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 638.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 638.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 638.32 Td (12,350) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 638.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.15 638.32 Td (12,350) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 624.32 Td (Other comprehensive income, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 624.32 Td (......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 624.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 624.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 624.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 624.32 Td (663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 624.32 Td (663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.32 Td (Cash dividends declared \($0.22 per share\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.50 610.32 Td (...) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 610.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 610.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.80 610.37 Td (\(1,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 610.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 610.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.80 610.37 Td (\(1,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.65 610.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 596.32 Td (Stock-based compensation expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.50 596.32 Td (.............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 596.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 596.32 Td (1,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 596.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 596.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.15 596.32 Td (1,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 582.32 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 582.32 Td (arrants exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.50 582.32 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 582.32 Td (1) Tj ET Q q 0 0 0 rg BT 269.15 582.32 Td (1,200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 582.32 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 582.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 582.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 582.32 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 568.32 Td (Issuance of restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 568.32 Td (..........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 568.32 Td (29,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 568.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 568.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 568.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 568.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 554.32 Td (Forfeitures of restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.50 554.32 Td (.......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.30 554.32 Td (\(883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 554.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 554.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 554.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 554.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 554.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 540.32 Td (Stock options exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.00 540.32 Td (................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 540.32 Td (64,120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 540.32 Td (1,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.15 540.32 Td (1,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 525.42 Td (Net tax benefit related to stock-based) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 515.42 Td (compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 515.32 Td (................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 515.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 515.42 Td (280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 515.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 515.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 515.42 Td (280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 501.32 Td (Balance at December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.50 501.32 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.65 501.32 Td (7,620,663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 501.32 Td (1) Tj ET Q q 0 0 0 rg BT 331.15 501.32 Td (15,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 501.32 Td (29,652) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 501.32 Td (890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 501.32 Td (145,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 487.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.50 487.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 487.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 487.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 487.32 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 487.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.15 487.32 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 473.32 Td (Other comprehensive income, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 473.32 Td (......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 473.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 473.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 473.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 473.32 Td (503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 473.32 Td (503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 459.32 Td (Cash dividends declared \($0.28 per share\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.50 459.32 Td (...) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 459.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 459.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.80 459.37 Td (\(2,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 459.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 459.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.80 459.37 Td (\(2,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.65 459.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 445.32 Td (Stock-based compensation expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.50 445.32 Td (.............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 445.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 445.32 Td (917) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 445.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 445.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 445.32 Td (917) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 431.32 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 431.32 Td (arrants exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.50 431.32 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 431.32 Td (35,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 431.32 Td (663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 431.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 431.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 431.32 Td (663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 417.32 Td (Issuance of restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 417.32 Td (..........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 417.32 Td (40,250) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 417.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 417.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 417.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 417.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 403.32 Td (Forfeitures of restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.50 403.32 Td (.......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.80 403.32 Td (\(18,227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 403.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 403.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 403.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 403.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 403.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 389.32 Td (Stock options exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.00 389.32 Td (................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 389.32 Td (73,738) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 389.32 Td (1,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 389.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 389.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.15 389.32 Td (1,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 375.32 Td (Reclass adjustment resulting from tax law) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 365.32 Td (change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.50 365.32 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 365.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 365.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.30 365.47 Td (\(301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 365.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 365.42 Td (301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 365.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 351.32 Td (Balance at December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.50 351.32 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.65 351.32 Td (7,751,424) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 351.32 Td (1) Tj ET Q q 0 0 0 rg BT 331.15 351.32 Td (18,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 351.32 Td (41,032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 351.32 Td (1,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 351.32 Td (161,027) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 337.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.50 337.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 337.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 337.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 337.32 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 337.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.15 337.32 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 323.32 Td (Other comprehensive loss, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.50 323.32 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 323.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 323.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 323.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 323.37 Td (\(2,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.65 323.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.80 323.37 Td (\(2,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.65 323.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 309.32 Td (Cash dividends declared \($0.48 per share\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.50 309.32 Td (...) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 309.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 309.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.80 309.37 Td (\(3,759) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 309.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 309.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.80 309.37 Td (\(3,759) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.65 309.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 295.32 Td (Stock-based compensation expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.50 295.32 Td (.............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 295.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 295.32 Td (1,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 295.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 295.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.15 295.32 Td (1,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 281.32 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 281.32 Td (arrants exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.50 281.32 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 281.32 Td (22,400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 281.32 Td (400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 281.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 281.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 281.32 Td (400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 267.32 Td (Issuance of restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 267.32 Td (..........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 267.32 Td (44,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 267.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 267.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 267.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 267.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 253.32 Td (Forfeitures of restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.50 253.32 Td (.......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.80 253.32 Td (\(3,873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 253.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 253.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 253.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 253.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.65 253.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 239.32 Td (Stock options exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.00 239.32 Td (................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 239.32 Td (28,020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 239.32 Td (536) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 239.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 239.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 239.32 Td (536) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 225.32 Td (Balance at December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.50 225.32 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.65 225.32 Td (7,842,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.00 225.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 225.32 Td (120,527) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 225.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 225.32 Td (54,706) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.00 225.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 225.37 Td (\(1,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.65 225.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.00 225.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 225.32 Td (174,196) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 185.25 Td (See Notes to Consolidated Financial Statements) Tj ET Q endstream endobj 137 0 obj <> endobj 138 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 /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 742.25 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 742.25 Td (oup, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 221.80 721.25 Td (Consolidated Statements of Cash Flows) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 276.95 709.25 Td (\(In thousands\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 685.75 m 444.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 685.75 m 448.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 685.75 m 503.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 685.75 m 507.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 685.75 m 562.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 685.75 m 444.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 672.75 m 444.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 685.75 m 448.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 685.75 m 503.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 672.75 m 503.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 685.75 m 507.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 685.75 m 562.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 672.75 m 562.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 350.75 m 444.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 350.75 m 503.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 350.75 m 562.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 336.75 m 444.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 336.75 m 503.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 336.75 m 562.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 126.75 m 444.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 126.75 m 503.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 126.75 m 562.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 112.75 m 444.5 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 112.75 m 503.5 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 112.75 m 562.5 112.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.20 689.98 Td (Y) Tj ET Q q 0 0 0 rg BT 436.53 689.98 Td (ear) Tj ET Q q 0 0 0 rg BT 447.12 689.98 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 507.85 689.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 676.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 676.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 676.98 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 663.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.92 663.20 Td (om operating activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 649.21 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 649.01 Td (..............................................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 649.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 649.21 Td (17,433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 649.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 649.21 Td (13,830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 649.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 649.21 Td (12,350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 635.21 Td (Adjustments to reconcile net income to net cash provided by operating activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 621.21 Td (Net \(accretion\) amortization of premiums and discounts on investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 621.01 Td (..........) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.65 621.21 Td (\(54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 621.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.65 621.21 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 621.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 621.21 Td (1,737) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 607.21 Td (Provision for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 161.00 607.01 Td (....................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 607.21 Td (3,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 607.21 Td (1,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 607.21 Td (3,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 593.21 Td (Provision \(benefit\) for deferred taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 593.01 Td (................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 593.21 Td (1,284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 593.21 Td (3,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 593.21 Td (\(1,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 593.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 579.21 Td (Net \(gain\) loss on sales of available for sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 579.01 Td (.....................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 579.21 Td (\(222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 579.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 579.21 Td (\(165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 579.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 579.21 Td (1) Tj ET Q q 0 0 0 rg BT 549.65 579.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 565.21 Td (Depreciation and amortization) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.25 565.01 Td (...........................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 565.21 Td (1,732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 565.21 Td (1,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 565.21 Td (1,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 551.21 Td (Amortization of debt issuance costs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.50 551.01 Td (..................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 551.21 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.65 551.21 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.65 551.21 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 537.21 Td (Increase in cash surrender value of bank-owned life insurance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.00 537.01 Td (........................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 537.21 Td (\(1,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 537.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 537.21 Td (\(1,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 537.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 537.21 Td (\(693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 537.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 523.21 Td (Loan principal sold from loans originated for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 523.01 Td (............................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 523.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 523.21 Td (\(3,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 523.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 523.21 Td (\(3,313) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 523.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 509.21 Td (Proceeds from sales of loans originated for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 509.01 Td (................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 509.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 509.21 Td (4,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 509.21 Td (3,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 495.21 Td (Originations of loans held for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.75 495.01 Td (.....................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 495.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.65 495.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 495.21 Td (\(254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 495.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 481.21 Td (Net gain on sales of loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 165.50 481.01 Td (..................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 481.21 Td (\(984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 481.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 481.21 Td (\(1,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 481.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 481.21 Td (\(466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 481.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 467.21 Td (Stock-based compensation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 167.75 467.01 Td (.................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 467.21 Td (1,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.15 467.21 Td (917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 467.21 Td (1,188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 453.21 Td (Net amortization \(accretion\) of purchase accounting adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 453.01 Td (....................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.15 453.21 Td (239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.65 453.21 Td (\(80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 453.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 453.21 Td (\(136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 453.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 439.21 Td (Loss on sale of premises and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 439.01 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 439.32 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 439.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 439.32 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 425.21 Td (Loss on sale and write-downs of foreclosed real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 425.01 Td (.....................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 425.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.15 425.21 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.65 425.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 411.21 Td (Net change in:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 397.21 Td (Deferred loan fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 149.75 397.01 Td (.........................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 397.21 Td (\(745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 397.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 397.21 Td (\(829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 397.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 397.21 Td (466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 383.21 Td (Accrued interest receivable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 183.50 383.01 Td (..........................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 383.21 Td (\(465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 383.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 383.21 Td (\(952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 383.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 383.21 Td (\(887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 383.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 369.21 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.25 369.01 Td (...................................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 369.21 Td (\(1,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 369.21 Td (\(1,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 369.21 Td (\(3,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 355.21 Td (Accrued expenses and other liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.75 355.01 Td (.........................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 355.21 Td (\(1,002) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 355.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 355.21 Td (4,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 355.21 Td (2,275) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 89.00 341.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 132.91 341.20 Td (ovided by operating activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.50 341.01 Td (..............................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 341.21 Td (19,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 341.21 Td (20,572) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 341.21 Td (17,372) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 327.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.92 327.20 Td (om investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 313.21 Td (Proceeds from principal repayments on available for sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 313.01 Td (......................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 313.21 Td (9,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 313.21 Td (5,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 313.21 Td (770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 299.21 Td (Proceeds from principal repayments on held to maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 299.01 Td (.......................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.15 299.21 Td (180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.15 299.21 Td (212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 299.21 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 285.21 Td (Net proceeds from sales and calls of available for sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 285.01 Td (..........................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 285.21 Td (12,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 285.21 Td (54,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 285.21 Td (60,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 271.21 Td (Net proceeds from sales and calls of held to maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 271.01 Td (............................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 271.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 271.21 Td (5,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.65 271.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 257.21 Td (Purchases of available for sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 206.00 257.01 Td (................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.90 257.21 Td (\(24,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 257.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.90 257.21 Td (\(64,700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 257.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.40 257.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 533.90 257.21 Td (10,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 257.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 243.21 Td (Purchases of marketable equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.25 243.01 Td (...............................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 243.21 Td (\(2,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 243.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.65 243.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.65 243.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 229.21 Td (Purchase of held to maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 229.01 Td (...................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 229.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.90 229.21 Td (\(10,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 229.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 229.21 Td (\(6,835) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 229.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 215.21 Td (Purchase of bank-owned life insurance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 215.01 Td (...................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 215.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 215.21 Td (\(5,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 215.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 215.21 Td (\(9,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 215.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 201.21 Td (Net increase in loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 136.25 201.01 Td (...............................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.90 201.21 Td (\(68,923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 201.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.40 201.21 Td (\(177,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 201.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.40 201.21 Td (\(218,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 201.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 187.21 Td (Loan principal sold from loans not originated for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 187.01 Td (...........................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 187.21 Td (\(8,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 187.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.90 187.21 Td (\(14,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 187.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 187.21 Td (\(4,069) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 187.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 173.21 Td (Proceeds from sales of loans not originated for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 173.01 Td (...............................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 173.21 Td (9,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 173.21 Td (14,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 173.21 Td (4,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 159.21 Td (Purchases of premises and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.75 159.01 Td (.....................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 159.21 Td (\(3,351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 159.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 159.21 Td (\(1,874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 159.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 159.21 Td (\(8,401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 159.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 145.21 Td (Net redemption \(purchase\) of Federal Home Loan Bank stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 145.01 Td (..............................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 145.21 Td (1,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 145.21 Td (\(1,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 145.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 145.21 Td (\(1,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 145.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 131.21 Td (Proceeds from sale of foreclosed real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.25 131.01 Td (...........................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 131.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.15 131.21 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 131.21 Td (951) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 89.00 117.20 Td (Net cash used in investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.25 117.01 Td (.......................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.90 117.21 Td (\(74,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 117.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.40 117.21 Td (\(194,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 117.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.40 117.21 Td (\(291,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 117.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 103.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.84 103.20 Td (om financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 89.21 Td (Net change in time certificates of deposit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.25 89.01 Td (...............................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.90 89.21 Td (\(16,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 89.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 89.21 Td (29,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 89.21 Td (165,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 75.21 Td (Net change in other deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.25 75.01 Td (...................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 75.21 Td (120,380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 75.21 Td (79,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 75.21 Td (76,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 61.21 Td (Net change in FHLB advances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 61.01 Td (................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.90 61.21 Td (\(39,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 61.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 61.21 Td (39,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 61.21 Td (40,000) Tj ET Q endstream endobj 139 0 obj <> endobj 140 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (67) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 691.5 m 444.5 691.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 691.5 m 503.5 691.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 691.5 m 562.5 691.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 677.5 m 444.5 677.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 677.5 m 503.5 677.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 677.5 m 562.5 677.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 635.5 m 444.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 635.5 m 503.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 635.5 m 562.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 622.5 m 444.5 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 620.5 m 444.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 622.5 m 503.5 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 620.5 m 503.5 620.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 622.5 m 562.5 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 620.5 m 562.5 620.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 737.96 Td (Proceeds from exercise of warrants) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.00 737.76 Td (........................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.15 737.96 Td (400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.15 737.96 Td (663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 737.96 Td (200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 723.96 Td (Proceeds from exercise of options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 183.50 723.76 Td (..........................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.15 723.96 Td (536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 723.96 Td (1,368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 723.96 Td (1,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 709.96 Td (Dividends paid on common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.25 709.76 Td (...........................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 709.96 Td (\(3,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 709.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.40 709.96 Td (\(2,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 709.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 709.96 Td (\(1,661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.65 709.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 695.96 Td (Net tax benefit related to stock-based compensation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.50 695.76 Td (..............................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 695.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.65 695.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 695.96 Td (280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 89.00 681.95 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 132.91 681.95 Td (ovided by financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.50 681.76 Td (..............................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 681.96 Td (62,016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.40 681.96 Td (148,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 681.96 Td (282,079) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 89.00 667.95 Td (Net incr) Tj ET Q q 0 0 0 rg BT 120.07 667.95 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 158.14 667.95 Td (ease\) in cash and cash equivalents) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 667.76 Td (...........................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 667.96 Td (7,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.90 667.96 Td (\(25,624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 667.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 667.96 Td (7,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 653.96 Td (Cash and cash equivalents:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 639.96 Td (Beginning of year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.00 639.76 Td (....................................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 639.96 Td (70,731) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 639.96 Td (96,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 639.96 Td (88,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 625.96 Td (End of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 109.25 625.76 Td (...........................................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 625.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 625.96 Td (78,1) Tj ET Q q 0 0 0 rg BT 431.65 625.96 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 625.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 625.96 Td (70,731) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 625.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 625.96 Td (96,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 611.96 Td (Supplemental disclosures of cash flows information:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 597.96 Td (Cash paid for:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 583.96 Td (Interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 98.00 583.76 Td (................................................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 583.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.90 583.96 Td (18,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 583.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.90 583.96 Td (16,582) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 583.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 583.96 Td (1) Tj ET Q q 0 0 0 rg BT 538.40 583.96 Td (1,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 569.96 Td (Income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.50 569.76 Td (......................................................................................................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.40 569.96 Td (3,685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.40 569.96 Td (8,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 569.96 Td (8,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 555.96 Td (Noncash investing and financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 541.96 Td (Net change in unrealized losses or gains on available-for) Tj ET Q q 0 0 0 rg BT 274.83 541.96 Td (-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.75 541.76 Td (.........................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 541.96 Td (\(1,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 541.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 541.96 Td (\(522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.65 541.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.15 541.96 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 527.96 Td (Net change in unrealized losses or gains on interest rate swaps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.00 527.76 Td (........................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.40 527.96 Td (\(1,267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.65 527.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.15 527.96 Td (843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.15 527.96 Td (659) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 488.00 Td (See Notes to Consolidated Financial Statements) Tj ET Q 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 (68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.70 742.25 Td (Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 335.75 742.25 Td (oup, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 730.25 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 730.25 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 730.25 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 730.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 730.25 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 68.00 718.25 Td (Natur) Tj ET Q q 0 0 0 rg BT 93.37 718.25 Td (e of Operations and Summary of Significant ) Tj ET Q q 0 0 0 rg BT 283.66 718.25 Td (Accounting Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 700.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 110.29 700.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 149.46 700.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 179.47 700.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 196.70 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 205.33 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 211.73 700.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 233.13 700.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 265.64 700.25 Td (company ) Tj ET Q q 0 0 0 rg BT 304.26 700.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 362.85 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 372.59 700.25 Td (New ) Tj ET Q q 0 0 0 rg BT 393.43 700.25 Td (Canaan, ) Tj ET Q q 0 0 0 rg BT 427.88 700.25 Td (Connecticut. ) Tj ET Q q 0 0 0 rg BT 480.52 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 498.02 700.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 538.87 700.25 Td (of) Tj ET Q q 0 0 0 rg BT 547.02 700.25 Td (fers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (a ) Tj ET Q q 0 0 0 rg BT 57.50 688.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 83.32 688.25 Td (range ) Tj ET Q q 0 0 0 rg BT 108.58 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.97 688.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 158.01 688.25 Td (services ) Tj ET Q q 0 0 0 rg BT 193.27 688.25 Td (through ) Tj ET Q q 0 0 0 rg BT 227.44 688.25 Td (its ) Tj ET Q q 0 0 0 rg BT 239.94 688.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 275.21 688.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 315.67 688.25 Td (, ) Tj ET Q q 0 0 0 rg BT 321.23 688.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 362.61 688.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 386.78 688.25 Td (\(collectively ) Tj ET Q q 0 0 0 rg BT 439.81 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 455.08 688.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 497.03 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 508.41 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.69 688.25 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 553.68 688.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (November2013, ) Tj ET Q q 0 0 0 rg BT 120.13 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.26 676.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 159.29 676.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 196.42 676.25 Td (The ) Tj ET Q q 0 0 0 rg BT 214.68 676.25 Td (W) Tj ET Q q 0 0 0 rg BT 223.71 676.25 Td (ilton ) Tj ET Q q 0 0 0 rg BT 244.97 676.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 269.00 676.25 Td (\(W) Tj ET Q q 0 0 0 rg BT 285.80 676.25 Td (ilton\), ) Tj ET Q q 0 0 0 rg BT 317.32 676.25 Td (which ) Tj ET Q q 0 0 0 rg BT 344.68 676.25 Td (added ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.48 676.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.92 676.25 Td ( ) Tj ET Q q 0 0 0 rg BT 388.83 676.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 418.96 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.32 676.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.00 676.25 Td ($25.1 ) Tj ET Q q 0 0 0 rg BT 522.42 676.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.31 676.25 Td ( ) Tj ET Q q 0 0 0 rg BT 554.23 676.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.19 664.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.72 664.25 Td ($64.2 ) Tj ET Q q 0 0 0 rg BT 117.30 664.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.19 664.25 Td ( ) Tj ET Q q 0 0 0 rg BT 149.28 664.25 Td (in ) Tj ET Q q 0 0 0 rg BT 160.14 664.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 198.50 664.25 Td (In ) Tj ET Q q 0 0 0 rg BT 209.92 664.25 Td (October2014, ) Tj ET Q q 0 0 0 rg BT 270.21 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 285.51 664.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 309.71 664.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 347.22 664.25 Td (Quinnipiac ) Tj ET Q q 0 0 0 rg BT 394.73 664.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 418.93 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.23 664.25 Td (T) Tj ET Q q 0 0 0 rg BT 441.98 664.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 460.07 664.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 502.04 664.25 Td (\(Quinnipiac\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.94 652.25 Td (added ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.32 652.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.32 652.25 Td ( ) Tj ET Q q 0 0 0 rg BT 120.82 652.25 Td (branches ) Tj ET Q q 0 0 0 rg BT 158.85 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.79 652.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.05 652.25 Td ($97.8 ) Tj ET Q q 0 0 0 rg BT 261.05 652.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.94 652.25 Td ( ) Tj ET Q q 0 0 0 rg BT 292.44 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 302.72 652.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.33 652.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.27 652.25 Td ($100.6 ) Tj ET Q q 0 0 0 rg BT 373.27 652.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.16 652.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.66 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 414.94 652.25 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.89 634.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.34 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 120.35 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 127.13 634.25 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 177.79 634.25 Td (state ) Tj ET Q q 0 0 0 rg BT 198.46 634.25 Td (chartered ) Tj ET Q q 0 0 0 rg BT 237.99 634.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 287.53 634.25 Td (bank, ) Tj ET Q q 0 0 0 rg BT 311.81 634.25 Td (founded ) Tj ET Q q 0 0 0 rg BT 346.92 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 357.04 634.25 Td (2002, ) Tj ET Q q 0 0 0 rg BT 381.88 634.25 Td (whose ) Tj ET Q q 0 0 0 rg BT 409.77 634.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 444.89 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 459.44 634.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 491.22 634.25 Td (under ) Tj ET Q q 0 0 0 rg BT 516.33 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.89 634.25 Td (Deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 91.08 622.25 Td (Fund ) Tj ET Q q 0 0 0 rg BT 113.85 622.25 Td (administered ) Tj ET Q q 0 0 0 rg BT 167.71 622.25 Td (by ) Tj ET Q q 0 0 0 rg BT 179.92 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 194.35 622.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 226.55 622.25 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 259.87 622.25 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 300.94 622.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 351.48 622.25 Td (\(FDIC\). ) Tj ET Q q 0 0 0 rg BT 394.35 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 412.11 622.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 435.43 622.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 472.08 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 478.73 622.25 Td (full ) Tj ET Q q 0 0 0 rg BT 494.83 622.25 Td (range ) Tj ET Q q 0 0 0 rg BT 519.24 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 529.78 622.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (services ) Tj ET Q q 0 0 0 rg BT 85.96 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.48 610.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 148.43 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.62 610.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 209.24 610.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 256.04 610.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 297.00 610.25 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 351.83 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 363.36 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.32 610.25 Td (New ) Tj ET Q q 0 0 0 rg BT 401.40 610.25 Td (Y) Tj ET Q q 0 0 0 rg BT 407.62 610.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 424.70 610.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 479.54 610.25 Td (area ) Tj ET Q q 0 0 0 rg BT 499.94 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.13 610.25 Td (throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 103.95 598.25 Td (with ) Tj ET Q q 0 0 0 rg BT 124.85 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.19 598.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 177.20 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 188.66 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 205.12 598.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 229.35 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 240.26 598.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 277.82 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 295.38 598.25 Td (New ) Tj ET Q q 0 0 0 rg BT 317.39 598.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 346.61 598.25 Td (Counties, ) Tj ET Q q 0 0 0 rg BT 387.80 598.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 441.74 598.25 Td (with ) Tj ET Q q 0 0 0 rg BT 462.65 598.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 492.98 598.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 532.21 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 543.12 598.25 Td (New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (Canaan, ) Tj ET Q q 0 0 0 rg BT 84.99 586.25 Td (Stamford, ) Tj ET Q q 0 0 0 rg BT 127.20 586.25 Td (Fairfield, ) Tj ET Q q 0 0 0 rg BT 166.46 586.25 Td (W) Tj ET Q q 0 0 0 rg BT 175.49 586.25 Td (ilton, ) Tj ET Q q 0 0 0 rg BT 198.83 586.25 Td (Norwalk, ) Tj ET Q q 0 0 0 rg BT 238.82 586.25 Td (Hamden, ) Tj ET Q q 0 0 0 rg BT 277.51 586.25 Td (W) Tj ET Q q 0 0 0 rg BT 286.15 586.25 Td (estport, ) Tj ET Q q 0 0 0 rg BT 318.37 586.25 Td (Darien ) Tj ET Q q 0 0 0 rg BT 348.08 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 365.01 586.25 Td (North ) Tj ET Q q 0 0 0 rg BT 390.84 586.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 419.44 586.25 Td (Connecticut.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 568.25 Td (Many ) Tj ET Q q 0 0 0 rg BT 96.12 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.24 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.25 568.25 Td (Company) Tj ET Q q 0 0 0 rg BT 163.91 568.25 Td (s ) Tj ET Q q 0 0 0 rg BT 170.60 568.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 209.48 568.25 Td (are ) Tj ET Q q 0 0 0 rg BT 224.48 568.25 Td (with ) Tj ET Q q 0 0 0 rg BT 245.05 568.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 288.39 568.25 Td (located ) Tj ET Q q 0 0 0 rg BT 320.05 568.25 Td (in ) Tj ET Q q 0 0 0 rg BT 330.62 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.63 568.25 Td (New ) Tj ET Q q 0 0 0 rg BT 366.89 568.25 Td (Y) Tj ET Q q 0 0 0 rg BT 373.11 568.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 389.23 568.25 Td (Metropolitan ) Tj ET Q q 0 0 0 rg BT 444.23 568.25 Td (area ) Tj ET Q q 0 0 0 rg BT 463.67 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 480.89 568.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 527.57 568.25 Td (Fairfield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.43 556.25 Td (New ) Tj ET Q q 0 0 0 rg BT 91.30 556.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 121.40 556.25 Td (Counties ) Tj ET Q q 0 0 0 rg BT 160.94 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 179.38 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.58 556.25 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 247.91 556.25 Td (region ) Tj ET Q q 0 0 0 rg BT 277.45 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 289.77 556.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 344.58 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 363.01 556.25 Td (declines ) Tj ET Q q 0 0 0 rg BT 399.77 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 411.54 556.25 Td (property ) Tj ET Q q 0 0 0 rg BT 449.41 556.25 Td (values ) Tj ET Q q 0 0 0 rg BT 478.95 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 490.72 556.25 Td (these ) Tj ET Q q 0 0 0 rg BT 515.25 556.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 539.78 556.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 101.78 544.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 130.78 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.78 544.25 Td (Company) Tj ET Q q 0 0 0 rg BT 183.02 544.25 Td (. ) Tj ET Q q 0 0 0 rg BT 187.18 544.25 Td (The ) Tj ET Q q 0 0 0 rg BT 204.52 544.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 245.19 544.25 Td (has ) Tj ET Q q 0 0 0 rg BT 260.31 544.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 304.31 544.25 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 364.41 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 373.98 544.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 422.96 544.25 Td (real ) Tj ET Q q 0 0 0 rg BT 439.74 544.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 464.29 544.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 489.69 544.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 543.68 544.25 Td (does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (not ) Tj ET Q q 0 0 0 rg BT 64.22 532.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 94.54 532.25 Td (they ) Tj ET Q q 0 0 0 rg BT 113.20 532.25 Td (present ) Tj ET Q q 0 0 0 rg BT 143.53 532.25 Td (any ) Tj ET Q q 0 0 0 rg BT 159.41 532.25 Td (special ) Tj ET Q q 0 0 0 rg BT 188.62 532.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 207.46 532.25 Td (The ) Tj ET Q q 0 0 0 rg BT 224.45 532.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 264.78 532.25 Td (does ) Tj ET Q q 0 0 0 rg BT 284.56 532.25 Td (not ) Tj ET Q q 0 0 0 rg BT 298.78 532.25 Td (have ) Tj ET Q q 0 0 0 rg BT 319.10 532.25 Td (any ) Tj ET Q q 0 0 0 rg BT 334.99 532.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 378.65 532.25 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 438.40 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 447.63 532.25 Td (any ) Tj ET Q q 0 0 0 rg BT 463.51 532.25 Td (one ) Tj ET Q q 0 0 0 rg BT 479.39 532.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 513.62 532.25 Td (or ) Tj ET Q q 0 0 0 rg BT 523.39 532.25 Td (customer) Tj ET Q q 0 0 0 rg BT 559.50 532.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (Principles of consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.39 496.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 139.77 496.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 176.59 496.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 220.64 496.25 Td (include ) Tj ET Q q 0 0 0 rg BT 251.92 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 265.98 496.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 302.80 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 312.97 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.03 496.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 367.76 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 384.04 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.10 496.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 423.54 496.25 Td (including ) Tj ET Q q 0 0 0 rg BT 463.16 496.25 Td (its ) Tj ET Q q 0 0 0 rg BT 474.45 496.25 Td (wholly ) Tj ET Q q 0 0 0 rg BT 504.07 496.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 532.57 496.25 Td (passive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.38 484.25 Td (company ) Tj ET Q q 0 0 0 rg BT 135.54 484.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 176.00 484.25 Td (. ) Tj ET Q q 0 0 0 rg BT 180.44 484.25 Td (All ) Tj ET Q q 0 0 0 rg BT 195.72 484.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 240.43 484.25 Td (intercompany ) Tj ET Q q 0 0 0 rg BT 297.92 484.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 335.40 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 352.34 484.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 402.60 484.25 Td (have ) Tj ET Q q 0 0 0 rg BT 423.98 484.25 Td (been ) Tj ET Q q 0 0 0 rg BT 445.36 484.25 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 490.06 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 500.34 484.25 Td (consolidation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Use of estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 448.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.46 448.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 135.24 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 152.60 448.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 192.16 448.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 226.18 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 237.42 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 252.55 448.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 294.35 448.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 331.14 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 341.83 448.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 388.62 448.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 430.96 448.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 471.08 448.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 508.96 448.25 Td (in ) Tj ET Q q 0 0 0 rg BT 519.65 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.78 448.25 Td (United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (States ) Tj ET Q q 0 0 0 rg BT 75.76 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 85.54 436.25 Td (America ) Tj ET Q q 0 0 0 rg BT 121.84 436.25 Td (\(GAAP\) ) Tj ET Q q 0 0 0 rg BT 166.47 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 182.78 436.25 Td (general ) Tj ET Q q 0 0 0 rg BT 214.07 436.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 251.47 436.25 Td (within ) Tj ET Q q 0 0 0 rg BT 278.90 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.98 436.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 327.07 436.25 Td (industry) Tj ET Q q 0 0 0 rg BT 359.20 436.25 Td (. ) Tj ET Q q 0 0 0 rg BT 363.57 436.25 Td (In ) Tj ET Q q 0 0 0 rg BT 373.77 436.25 Td (preparing ) Tj ET Q q 0 0 0 rg BT 413.95 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.04 436.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 480.45 436.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.30 436.25 Td (statements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (management ) Tj ET Q q 0 0 0 rg BT 102.68 424.25 Td (is ) Tj ET Q q 0 0 0 rg BT 110.95 424.25 Td (required ) Tj ET Q q 0 0 0 rg BT 145.86 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 155.24 424.25 Td (make ) Tj ET Q q 0 0 0 rg BT 178.49 424.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 217.29 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.33 424.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 284.37 424.25 Td (that ) Tj ET Q q 0 0 0 rg BT 300.96 424.25 Td (af) Tj ET Q q 0 0 0 rg BT 308.55 424.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 325.13 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.94 424.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 373.86 424.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 409.34 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.26 424.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 444.19 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 460.22 424.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 501.54 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.57 424.25 Td (disclosures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.43 412.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 104.74 412.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 130.16 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 146.70 412.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 186.01 412.25 Td (as ) Tj ET Q q 0 0 0 rg BT 196.44 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 206.87 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.18 412.25 Td (date ) Tj ET Q q 0 0 0 rg BT 239.93 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.36 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.68 412.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 317.31 412.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 349.94 412.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 372.59 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.12 412.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 422.87 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 439.40 412.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 477.60 412.25 Td (for ) Tj ET Q q 0 0 0 rg BT 491.35 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.67 412.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 535.35 412.25 Td (Actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (results ) Tj ET Q q 0 0 0 rg BT 78.26 400.25 Td (could ) Tj ET Q q 0 0 0 rg BT 102.63 400.25 Td (dif) Tj ET Q q 0 0 0 rg BT 113.56 400.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 126.81 400.25 Td (from ) Tj ET Q q 0 0 0 rg BT 148.40 400.25 Td (those ) Tj ET Q q 0 0 0 rg BT 171.67 400.25 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 213.53 400.25 Td (Material ) Tj ET Q q 0 0 0 rg BT 249.56 400.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 288.92 400.25 Td (that ) Tj ET Q q 0 0 0 rg BT 306.07 400.25 Td (are ) Tj ET Q q 0 0 0 rg BT 320.43 400.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 368.67 400.25 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 415.26 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 425.19 400.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 469.56 400.25 Td (change ) Tj ET Q q 0 0 0 rg BT 500.02 400.25 Td (in ) Tj ET Q q 0 0 0 rg BT 509.96 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.33 400.25 Td (near ) Tj ET Q q 0 0 0 rg BT 543.69 400.25 Td (term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (relate ) Tj ET Q q 0 0 0 rg BT 73.98 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 83.54 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 97.54 388.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 139.85 388.25 Td (for ) Tj ET Q q 0 0 0 rg BT 153.30 388.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 172.29 388.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 200.47 388.25 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 249.46 388.25 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 309.28 388.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 351.04 388.25 Td (instrument ) Tj ET Q q 0 0 0 rg BT 395.59 388.25 Td (valuation, ) Tj ET Q q 0 0 0 rg BT 437.09 388.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 482.75 388.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 522.30 388.25 Td (valuation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 94.15 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.98 376.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 151.36 376.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 191.63 376.25 Td (for ) Tj ET Q q 0 0 0 rg BT 205.79 376.25 Td (other ) Tj ET Q q 0 0 0 rg BT 228.83 376.25 Td (than ) Tj ET Q q 0 0 0 rg BT 248.55 376.25 Td (temporary ) Tj ET Q q 0 0 0 rg BT 292.14 376.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 340.74 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.68 376.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 393.49 376.25 Td (income ) Tj ET Q q 0 0 0 rg BT 425.42 376.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 448.47 376.25 Td (valuation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (Segments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.39 340.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.12 340.25 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.30 340.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.73 340.25 Td ( ) Tj ET Q q 0 0 0 rg BT 163.58 340.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 206.96 340.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 245.00 340.25 Td (All ) Tj ET Q q 0 0 0 rg BT 260.62 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 271.79 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.85 340.25 Td (Company) Tj ET Q q 0 0 0 rg BT 328.52 340.25 Td (s ) Tj ET Q q 0 0 0 rg BT 335.26 340.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 374.20 340.25 Td (are ) Tj ET Q q 0 0 0 rg BT 389.25 340.25 Td (interrelated, ) Tj ET Q q 0 0 0 rg BT 440.12 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 457.40 340.25 Td (each ) Tj ET Q q 0 0 0 rg BT 478.56 340.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 511.40 340.25 Td (is ) Tj ET Q q 0 0 0 rg BT 520.91 340.25 Td (dependent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.63 328.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 102.70 328.25 Td (based ) Tj ET Q q 0 0 0 rg BT 127.66 328.25 Td (on ) Tj ET Q q 0 0 0 rg BT 139.85 328.25 Td (how ) Tj ET Q q 0 0 0 rg BT 159.27 328.25 Td (each ) Tj ET Q q 0 0 0 rg BT 179.77 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.30 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.70 328.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 242.99 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 253.52 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.92 328.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 309.00 328.25 Td (supports ) Tj ET Q q 0 0 0 rg BT 345.08 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.49 328.25 Td (others. ) Tj ET Q q 0 0 0 rg BT 388.62 328.25 Td (For ) Tj ET Q q 0 0 0 rg BT 404.71 328.25 Td (example, ) Tj ET Q q 0 0 0 rg BT 443.27 328.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 475.46 328.25 Td (is ) Tj ET Q q 0 0 0 rg BT 484.32 328.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 527.60 328.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 549.79 328.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 77.98 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 88.73 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 103.38 316.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 144.69 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 154.89 316.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 175.65 316.25 Td (itself ) Tj ET Q q 0 0 0 rg BT 198.07 316.25 Td (with ) Tj ET Q q 0 0 0 rg BT 218.27 316.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 253.48 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 270.34 316.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 318.32 316.25 Td (while ) Tj ET Q q 0 0 0 rg BT 342.96 316.25 Td (managing ) Tj ET Q q 0 0 0 rg BT 384.82 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.46 316.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 431.32 316.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 448.73 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 465.60 316.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 490.79 316.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 510.18 316.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.51 316.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (all ) Tj ET Q q 0 0 0 rg BT 62.50 304.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 107.21 304.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 147.47 304.25 Td (decisions ) Tj ET Q q 0 0 0 rg BT 187.19 304.25 Td (are ) Tj ET Q q 0 0 0 rg BT 201.89 304.25 Td (based ) Tj ET Q q 0 0 0 rg BT 227.16 304.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 249.66 304.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 284.38 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 295.21 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.93 304.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 351.31 304.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.14 304.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.58 304.25 Td ( ) Tj ET Q q 0 0 0 rg BT 379.08 304.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 414.91 304.25 Td (or ) Tj ET Q q 0 0 0 rg BT 425.74 304.25 Td (unit.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (Basis of consolidated financial statement pr) Tj ET Q q 0 0 0 rg BT 235.10 286.25 Td (esentation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 268.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.37 268.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 139.74 268.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 176.55 268.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 220.59 268.25 Td (have ) Tj ET Q q 0 0 0 rg BT 241.30 268.25 Td (been ) Tj ET Q q 0 0 0 rg BT 262.00 268.25 Td (prepared ) Tj ET Q q 0 0 0 rg BT 298.80 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 308.41 268.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 355.20 268.25 Td (with ) Tj ET Q q 0 0 0 rg BT 374.80 268.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 401.66 268.25 Td ( ) Tj ET Q q 0 0 0 rg BT 403.49 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.75 268.25 Td (general ) Tj ET Q q 0 0 0 rg BT 451.01 268.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 488.37 268.25 Td (within ) Tj ET Q q 0 0 0 rg BT 515.75 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 268.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (industry) Tj ET Q q 0 0 0 rg BT 82.13 256.25 Td (. ) Tj ET Q q 0 0 0 rg BT 87.13 256.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 109.63 256.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 143.23 256.25 Td (have ) Tj ET Q q 0 0 0 rg BT 164.61 256.25 Td (been ) Tj ET Q q 0 0 0 rg BT 185.99 256.25 Td (followed ) Tj ET Q q 0 0 0 rg BT 224.03 256.25 Td (on ) Tj ET Q q 0 0 0 rg BT 236.53 256.25 Td (a ) Tj ET Q q 0 0 0 rg BT 243.47 256.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 285.97 256.25 Td (basis.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 74.17 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 92.80 238.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 116.97 238.25 Td (Equivalents ) Tj ET Q q 0 0 0 rg BT 170.04 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 188.67 238.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 234.49 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 245.32 238.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 269.49 238.25 Td (Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 220.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 92.77 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.99 220.25 Td (due ) Tj ET Q q 0 0 0 rg BT 127.20 220.25 Td (from ) Tj ET Q q 0 0 0 rg BT 149.42 220.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 175.52 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 192.73 220.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 223.26 220.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 248.26 220.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 267.70 220.25 Td (are ) Tj ET Q q 0 0 0 rg BT 282.69 220.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 329.32 220.25 Td (as ) Tj ET Q q 0 0 0 rg BT 340.43 220.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 360.97 220.25 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 409.29 220.25 Td (in ) Tj ET Q q 0 0 0 rg BT 419.84 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.83 220.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 488.15 220.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 533.14 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 544.24 220.25 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (flows. ) Tj ET Q q 0 0 0 rg BT 77.63 208.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 110.52 208.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 135.65 208.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 155.23 208.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 195.34 208.25 Td (mature ) Tj ET Q q 0 0 0 rg BT 226.01 208.25 Td (in ) Tj ET Q q 0 0 0 rg BT 236.70 208.25 Td (one ) Tj ET Q q 0 0 0 rg BT 254.04 208.25 Td (day) Tj ET Q q 0 0 0 rg BT 267.83 208.25 Td (. ) Tj ET Q q 0 0 0 rg BT 273.24 208.25 Td (For ) Tj ET Q q 0 0 0 rg BT 290.04 208.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 328.50 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 339.74 208.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 379.30 208.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 399.98 208.25 Td (flows, ) Tj ET Q q 0 0 0 rg BT 427.60 208.25 Td (all ) Tj ET Q q 0 0 0 rg BT 440.51 208.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 468.97 208.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 495.21 208.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 515.34 208.25 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 93.69 196.25 Td (with ) Tj ET Q q 0 0 0 rg BT 114.62 196.25 Td (an ) Tj ET Q q 0 0 0 rg BT 127.21 196.25 Td (original ) Tj ET Q q 0 0 0 rg BT 161.47 196.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 198.51 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.99 196.25 Td (threemonths ) Tj ET Q q 0 0 0 rg BT 265.08 196.25 Td (or ) Tj ET Q q 0 0 0 rg BT 276.56 196.25 Td (less ) Tj ET Q q 0 0 0 rg BT 294.71 196.25 Td (are ) Tj ET Q q 0 0 0 rg BT 310.07 196.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 356.54 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 367.47 196.25 Td (be ) Tj ET Q q 0 0 0 rg BT 380.07 196.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 400.99 196.25 Td (equivalents. ) Tj ET Q q 0 0 0 rg BT 452.18 196.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 475.34 196.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 500.71 196.25 Td (from ) Tj ET Q q 0 0 0 rg BT 523.30 196.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 547.56 196.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 84.99 184.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.42 184.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 134.95 184.25 Td (net. ) Tj ET Q q 0 0 0 rg BT 151.72 184.25 Td (The ) Tj ET Q q 0 0 0 rg BT 169.48 184.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 206.12 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.67 184.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 236.65 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 253.31 184.25 Td (due ) Tj ET Q q 0 0 0 rg BT 269.96 184.25 Td (from ) Tj ET Q q 0 0 0 rg BT 291.62 184.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 317.16 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 333.82 184.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 363.79 184.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 388.22 184.25 Td (sold, ) Tj ET Q q 0 0 0 rg BT 409.61 184.25 Td (at ) Tj ET Q q 0 0 0 rg BT 419.04 184.25 Td (times, ) Tj ET Q q 0 0 0 rg BT 445.42 184.25 Td (may ) Tj ET Q q 0 0 0 rg BT 464.86 184.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 494.83 184.25 Td (federally ) Tj ET Q q 0 0 0 rg BT 532.57 184.25 Td (insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (limits. ) Tj ET Q q 0 0 0 rg BT 77.60 172.25 Td (The ) Tj ET Q q 0 0 0 rg BT 95.65 172.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 137.04 172.25 Td (has ) Tj ET Q q 0 0 0 rg BT 152.87 172.25 Td (not ) Tj ET Q q 0 0 0 rg BT 168.14 172.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 218.95 172.25 Td (any ) Tj ET Q q 0 0 0 rg BT 235.88 172.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 262.28 172.25 Td (from ) Tj ET Q q 0 0 0 rg BT 284.21 172.25 Td (such ) Tj ET Q q 0 0 0 rg BT 305.04 172.25 Td (concentrations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 136.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.76 136.25 Td (determines ) Tj ET Q q 0 0 0 rg BT 171.19 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.97 136.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 234.06 136.25 Td (classifications ) Tj ET Q q 0 0 0 rg BT 293.27 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 304.16 136.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 350.60 136.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 390.92 136.25 Td (at ) Tj ET Q q 0 0 0 rg BT 400.69 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.47 136.25 Td (date ) Tj ET Q q 0 0 0 rg BT 434.68 136.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 477.79 136.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 524.23 136.25 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.38 124.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 103.48 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.10 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.49 124.25 Td (appropriateness ) Tj ET Q q 0 0 0 rg BT 199.42 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.92 124.25 Td (such ) Tj ET Q q 0 0 0 rg BT 230.43 124.25 Td (classifications ) Tj ET Q q 0 0 0 rg BT 289.25 124.25 Td (is ) Tj ET Q q 0 0 0 rg BT 298.10 124.25 Td (reaf) Tj ET Q q 0 0 0 rg BT 313.45 124.25 Td (firmed ) Tj ET Q q 0 0 0 rg BT 342.29 124.25 Td (at ) Tj ET Q q 0 0 0 rg BT 351.68 124.25 Td (each ) Tj ET Q q 0 0 0 rg BT 372.17 124.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 404.88 124.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 427.60 124.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 448.77 124.25 Td (The ) Tj ET Q q 0 0 0 rg BT 466.49 124.25 Td (Company) Tj ET Q q 0 0 0 rg BT 508.16 124.25 Td (s ) Tj ET Q q 0 0 0 rg BT 514.23 124.25 Td (investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.70 112.25 Td (categorized ) Tj ET Q q 0 0 0 rg BT 113.27 112.25 Td (as ) Tj ET Q q 0 0 0 rg BT 124.09 112.25 Td (marketable ) Tj ET Q q 0 0 0 rg BT 171.00 112.25 Td (equity) Tj ET Q q 0 0 0 rg BT 195.34 112.25 Td (, ) Tj ET Q q 0 0 0 rg BT 200.33 112.25 Td (available ) Tj ET Q q 0 0 0 rg BT 238.91 112.25 Td (for ) Tj ET Q q 0 0 0 rg BT 253.06 112.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 271.10 112.25 Td (or ) Tj ET Q q 0 0 0 rg BT 281.92 112.25 Td (held ) Tj ET Q q 0 0 0 rg BT 301.63 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 311.89 112.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 348.27 112.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 391.02 112.25 Td (Held ) Tj ET Q q 0 0 0 rg BT 412.95 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 423.22 112.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 459.59 112.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 509.85 112.25 Td (are ) Tj ET Q q 0 0 0 rg BT 524.55 112.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 554.79 112.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 92.24 100.25 Td (cost. ) Tj ET Q q 0 0 0 rg BT 112.61 100.25 Td (A) Tj ET Q q 0 0 0 rg BT 119.09 100.25 Td (vailable ) Tj ET Q q 0 0 0 rg BT 153.00 100.25 Td (for ) Tj ET Q q 0 0 0 rg BT 166.91 100.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 184.72 100.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 224.74 100.25 Td (are ) Tj ET Q q 0 0 0 rg BT 239.21 100.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 269.22 100.25 Td (at ) Tj ET Q q 0 0 0 rg BT 278.69 100.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 294.83 100.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 321.24 100.25 Td (with ) Tj ET Q q 0 0 0 rg BT 341.28 100.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 385.18 100.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 408.54 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 425.24 100.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 451.39 100.25 Td (excluded ) Tj ET Q q 0 0 0 rg BT 489.74 100.25 Td (from ) Tj ET Q q 0 0 0 rg BT 511.44 100.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 547.58 100.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 86.48 88.25 Td (in ) Tj ET Q q 0 0 0 rg BT 97.43 88.25 Td (other ) Tj ET Q q 0 0 0 rg BT 121.14 88.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 184.84 88.25 Td (income ) Tj ET Q q 0 0 0 rg BT 217.45 88.25 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 242.84 88.25 Td (as ) Tj ET Q q 0 0 0 rg BT 254.33 88.25 Td (a ) Tj ET Q q 0 0 0 rg BT 261.94 88.25 Td (separate ) Tj ET Q q 0 0 0 rg BT 297.86 88.25 Td (component ) Tj ET Q q 0 0 0 rg BT 345.46 88.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.96 88.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 389.28 88.25 Td (net ) Tj ET Q q 0 0 0 rg BT 404.67 88.25 Td (of ) Tj ET Q q 0 0 0 rg BT 416.16 88.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 457.65 88.25 Td (income ) Tj ET Q q 0 0 0 rg BT 490.25 88.25 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 516.47 88.25 Td (Marketable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.50 76.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 117.76 76.25 Td (are ) Tj ET Q q 0 0 0 rg BT 132.47 76.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 162.72 76.25 Td (at ) Tj ET Q q 0 0 0 rg BT 172.44 76.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 188.81 76.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 215.47 76.25 Td (with ) Tj ET Q q 0 0 0 rg BT 235.75 76.25 Td (any ) Tj ET Q q 0 0 0 rg BT 252.69 76.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 287.39 76.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.67 76.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 314.05 76.25 Td (value ) Tj ET Q q 0 0 0 rg BT 338.20 76.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 374.02 76.25 Td (in ) Tj ET Q q 0 0 0 rg BT 384.30 76.25 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 58.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 116.27 58.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 155.87 58.25 Td (in ) Tj ET Q q 0 0 0 rg BT 165.49 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.55 58.25 Td (available ) Tj ET Q q 0 0 0 rg BT 217.47 58.25 Td (for ) Tj ET Q q 0 0 0 rg BT 230.97 58.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 248.36 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 264.63 58.25 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 332.01 58.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 372.73 58.25 Td (are ) Tj ET Q q 0 0 0 rg BT 386.78 58.25 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 425.26 58.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 463.20 58.25 Td (for ) Tj ET Q q 0 0 0 rg BT 476.69 58.25 Td (other) Tj ET Q q 0 0 0 rg BT 497.04 58.25 Td (-than-temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 98.49 46.25 Td (\("OTTI"\). ) Tj ET Q q 0 0 0 rg BT 140.98 46.25 Td (If ) Tj ET Q q 0 0 0 rg BT 150.04 46.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.65 46.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 180.92 46.25 Td (value ) Tj ET Q q 0 0 0 rg BT 204.97 46.25 Td (of ) Tj ET Q q 0 0 0 rg BT 215.70 46.25 Td (a ) Tj ET Q q 0 0 0 rg BT 222.53 46.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 242.14 46.25 Td (security ) Tj ET Q q 0 0 0 rg BT 276.19 46.25 Td (is ) Tj ET Q q 0 0 0 rg BT 285.26 46.25 Td (below ) Tj ET Q q 0 0 0 rg BT 312.09 46.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 354.47 46.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 375.47 46.25 Td (other) Tj ET Q q 0 0 0 rg BT 395.82 46.25 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 463.18 46.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 511.67 46.25 Td (is ) Tj ET Q q 0 0 0 rg BT 520.74 46.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 554.23 46.25 Td (to ) Tj ET Q 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 (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 71.51 742.10 Td (if ) Tj ET Q q 0 0 0 rg BT 80.24 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.08 742.10 Td (present ) Tj ET Q q 0 0 0 rg BT 126.58 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 150.85 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.81 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.65 742.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 214.80 742.10 Td (future ) Tj ET Q q 0 0 0 rg BT 241.30 742.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 261.69 742.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 286.53 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 295.83 742.10 Td (less ) Tj ET Q q 0 0 0 rg BT 313.45 742.10 Td (than ) Tj ET Q q 0 0 0 rg BT 333.29 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.13 742.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 390.73 742.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 409.46 742.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 432.08 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.03 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.87 742.10 Td (security) Tj ET Q q 0 0 0 rg BT 488.88 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 494.00 742.10 Td (OTTI ) Tj ET Q q 0 0 0 rg BT 519.39 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 528.68 742.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.34 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 72.34 730.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 118.77 730.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 161.87 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.76 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.54 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 212.86 730.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 230.99 730.10 Td (component ) Tj ET Q q 0 0 0 rg BT 277.98 730.10 Td (if ) Tj ET Q q 0 0 0 rg BT 286.66 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.43 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 342.88 730.10 Td (intends ) Tj ET Q q 0 0 0 rg BT 374.33 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.67 730.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 401.12 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.90 730.10 Td (security ) Tj ET Q q 0 0 0 rg BT 450.12 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 461.01 730.10 Td (if ) Tj ET Q q 0 0 0 rg BT 469.68 730.10 Td (it ) Tj ET Q q 0 0 0 rg BT 477.80 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 487.04 730.10 Td (more-likely-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 69.59 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 86.96 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.55 718.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 142.81 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 160.74 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 172.55 718.10 Td (required ) Tj ET Q q 0 0 0 rg BT 208.24 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.39 718.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 234.65 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.24 718.10 Td (security ) Tj ET Q q 0 0 0 rg BT 283.27 718.10 Td (before ) Tj ET Q q 0 0 0 rg BT 311.18 718.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 348.53 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.23 718.10 Td (its ) Tj ET Q q 0 0 0 rg BT 371.05 718.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 413.40 718.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 431.88 718.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 456.59 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 474.51 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.64 718.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 517.58 718.10 Td (component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.58 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 72.26 706.10 Td (other) Tj ET Q q 0 0 0 rg BT 92.61 706.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 159.82 706.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 208.17 706.10 Td (write-down ) Tj ET Q q 0 0 0 rg BT 256.51 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 265.43 706.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 302.65 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.68 706.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 351.30 706.10 Td (while ) Tj ET Q q 0 0 0 rg BT 375.76 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.22 706.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 433.01 706.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 464.15 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 474.72 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.18 706.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 537.53 706.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 555.34 706.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.18 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.27 694.10 Td (other ) Tj ET Q q 0 0 0 rg BT 129.14 694.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 191.98 694.10 Td (income ) Tj ET Q q 0 0 0 rg BT 223.73 694.10 Td (\(loss\), ) Tj ET Q q 0 0 0 rg BT 250.77 694.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 288.63 694.10 Td (theCompany ) Tj ET Q q 0 0 0 rg BT 344.55 694.10 Td (does ) Tj ET Q q 0 0 0 rg BT 365.20 694.10 Td (not ) Tj ET Q q 0 0 0 rg BT 380.29 694.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 407.60 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.70 694.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 433.90 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.43 694.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 494.07 694.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 513.61 694.10 Td (security ) Tj ET Q q 0 0 0 rg BT 547.58 694.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (it ) Tj ET Q q 0 0 0 rg BT 58.06 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 67.23 682.10 Td (more-likely-than-not ) Tj ET Q q 0 0 0 rg BT 153.03 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 170.53 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.24 682.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.63 682.10 Td (will ) Tj ET Q q 0 0 0 rg BT 244.69 682.10 Td (not ) Tj ET Q q 0 0 0 rg BT 259.97 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 271.90 682.10 Td (required ) Tj ET Q q 0 0 0 rg BT 307.72 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.00 682.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 334.38 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.10 682.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 368.82 682.10 Td (security ) Tj ET Q q 0 0 0 rg BT 402.97 682.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 424.91 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 435.19 682.10 Td (recovery) Tj ET Q q 0 0 0 rg BT 469.52 682.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 664.10 Td (In ) Tj ET Q q 0 0 0 rg BT 80.33 664.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 130.65 664.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 164.85 664.10 Td (a ) Tj ET Q q 0 0 0 rg BT 171.29 664.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 196.05 664.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 213.61 664.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 238.39 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.83 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.04 664.10 Td (period ) Tj ET Q q 0 0 0 rg BT 296.59 664.10 Td (over ) Tj ET Q q 0 0 0 rg BT 316.35 664.10 Td (which ) Tj ET Q q 0 0 0 rg BT 342.79 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.01 664.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 372.88 664.10 Td (value ) Tj ET Q q 0 0 0 rg BT 396.54 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.86 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.08 664.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 440.29 664.10 Td (security ) Tj ET Q q 0 0 0 rg BT 473.95 664.10 Td (is ) Tj ET Q q 0 0 0 rg BT 482.62 664.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 520.15 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.92 664.10 Td (recover) Tj ET Q q 0 0 0 rg BT 559.50 664.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.04 652.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 144.77 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.94 652.10 Td (following ) Tj ET Q q 0 0 0 rg BT 201.78 652.10 Td (factors: ) Tj ET Q q 0 0 0 rg BT 234.72 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.90 652.10 Td (length ) Tj ET Q q 0 0 0 rg BT 277.85 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.13 652.10 Td (time ) Tj ET Q q 0 0 0 rg BT 309.86 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.26 652.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 354.65 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 372.60 652.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 389.43 652.10 Td (value ) Tj ET Q q 0 0 0 rg BT 414.04 652.10 Td (has ) Tj ET Q q 0 0 0 rg BT 430.32 652.10 Td (been ) Tj ET Q q 0 0 0 rg BT 452.16 652.10 Td (less ) Tj ET Q q 0 0 0 rg BT 470.11 652.10 Td (than ) Tj ET Q q 0 0 0 rg BT 490.29 652.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 511.85 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 652.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 91.01 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.69 640.10 Td (near ) Tj ET Q q 0 0 0 rg BT 129.14 640.10 Td (term ) Tj ET Q q 0 0 0 rg BT 150.71 640.10 Td (prospects ) Tj ET Q q 0 0 0 rg BT 191.72 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.29 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.75 640.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 241.68 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 247.42 640.10 Td (any ) Tj ET Q q 0 0 0 rg BT 265.10 640.10 Td (external ) Tj ET Q q 0 0 0 rg BT 300.54 640.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 326.55 640.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 359.50 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.96 640.10 Td (level ) Tj ET Q q 0 0 0 rg BT 397.64 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.21 640.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 438.55 640.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 459.56 640.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 485.02 640.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 527.13 640.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.80 640.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 96.46 628.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 136.79 628.10 Td (supporting ) Tj ET Q q 0 0 0 rg BT 182.71 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.06 628.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 236.73 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.31 628.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 286.88 628.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 328.33 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.80 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.15 628.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 375.50 628.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 416.40 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.97 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.33 628.10 Td (level ) Tj ET Q q 0 0 0 rg BT 471.89 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.36 628.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 509.26 628.10 Td (enhancement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 88.05 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 100.55 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.26 616.10 Td (structure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.86 598.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 107.73 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.38 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 127.13 598.10 Td (held ) Tj ET Q q 0 0 0 rg BT 147.67 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.76 598.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 195.96 598.10 Td (security ) Tj ET Q q 0 0 0 rg BT 230.94 598.10 Td (within ) Tj ET Q q 0 0 0 rg BT 259.81 598.10 Td (threemonths ) Tj ET Q q 0 0 0 rg BT 315.06 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.71 598.10 Td (its ) Tj ET Q q 0 0 0 rg BT 339.48 598.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 376.68 598.10 Td (date ) Tj ET Q q 0 0 0 rg BT 396.65 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 408.30 598.10 Td (after ) Tj ET Q q 0 0 0 rg BT 429.93 598.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 472.68 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.33 598.10 Td (at ) Tj ET Q q 0 0 0 rg BT 494.86 598.10 Td (least ) Tj ET Q q 0 0 0 rg BT 516.50 598.10 Td (85% ) Tj ET Q q 0 0 0 rg BT 538.15 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 598.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.02 586.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 137.17 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 146.87 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.56 586.10 Td (time ) Tj ET Q q 0 0 0 rg BT 181.82 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.51 586.10 Td (security ) Tj ET Q q 0 0 0 rg BT 230.65 586.10 Td (was ) Tj ET Q q 0 0 0 rg BT 248.68 586.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 285.59 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 294.74 586.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 340.53 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.45 586.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 383.81 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 397.95 586.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 435.99 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.80 586.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 502.04 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.96 586.10 Td (disclosure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 568.10 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 108.02 568.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 149.94 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.31 568.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 206.01 568.10 Td (are ) Tj ET Q q 0 0 0 rg BT 220.14 568.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 265.93 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 275.64 568.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 306.99 568.10 Td (income ) Tj ET Q q 0 0 0 rg BT 338.35 568.10 Td (using ) Tj ET Q q 0 0 0 rg BT 361.95 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.09 568.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 407.45 568.10 Td (method ) Tj ET Q q 0 0 0 rg BT 439.37 568.10 Td (over ) Tj ET Q q 0 0 0 rg BT 459.06 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.21 568.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 497.35 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.60 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.75 568.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 75.83 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 86.66 556.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 113.05 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 125.55 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.27 556.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 162.21 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.04 556.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 213.30 556.10 Td (are ) Tj ET Q q 0 0 0 rg BT 228.01 556.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 274.37 556.10 Td (at ) Tj ET Q q 0 0 0 rg BT 284.09 556.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 306.57 556.10 Td (date ) Tj ET Q q 0 0 0 rg BT 325.73 556.10 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 361.56 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.27 556.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 409.87 556.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 465.68 556.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 538.10 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 110.00 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.92 538.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 140.73 538.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 181.08 538.10 Td (into ) Tj ET Q q 0 0 0 rg BT 199.23 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.03 538.10 Td (held ) Tj ET Q q 0 0 0 rg BT 233.84 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.21 538.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 280.68 538.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 336.03 538.10 Td (from ) Tj ET Q q 0 0 0 rg BT 358.06 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.87 538.10 Td (available ) Tj ET Q q 0 0 0 rg BT 411.55 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 425.80 538.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 443.93 538.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 499.28 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 514.08 538.10 Td (made ) Tj ET Q q 0 0 0 rg BT 538.33 538.10 Td (at ) Tj ET Q q 0 0 0 rg BT 548.13 538.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (value ) Tj ET Q q 0 0 0 rg BT 75.78 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 89.91 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.25 526.10 Td (date ) Tj ET Q q 0 0 0 rg BT 127.03 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.48 526.10 Td (transfer) Tj ET Q q 0 0 0 rg BT 169.47 526.10 Td (. ) Tj ET Q q 0 0 0 rg BT 175.80 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 195.47 526.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 241.24 526.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 275.92 526.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 297.26 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 309.72 526.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 329.40 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 343.53 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.87 526.10 Td (date ) Tj ET Q q 0 0 0 rg BT 380.65 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.11 526.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 427.77 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 438.57 526.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 474.89 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 486.80 526.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 541.45 526.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 112.45 514.10 Td (income ) Tj ET Q q 0 0 0 rg BT 143.79 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.14 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 169.83 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.96 514.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 219.19 514.10 Td (value ) Tj ET Q q 0 0 0 rg BT 242.76 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.00 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.13 514.10 Td (held ) Tj ET Q q 0 0 0 rg BT 286.26 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.96 514.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 331.75 514.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 373.93 514.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 395.84 514.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 431.64 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 445.76 514.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 487.65 514.10 Td (over ) Tj ET Q q 0 0 0 rg BT 507.34 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 514.10 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.02 502.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 116.51 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.44 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.26 502.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 182.01 502.10 Td (When ) Tj ET Q q 0 0 0 rg BT 207.49 502.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 243.52 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.45 502.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 272.27 502.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 311.63 502.10 Td (into ) Tj ET Q q 0 0 0 rg BT 328.79 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.61 502.10 Td (available ) Tj ET Q q 0 0 0 rg BT 380.30 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 393.56 502.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 410.71 502.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 465.07 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 486.11 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.93 502.10 Td (held ) Tj ET Q q 0 0 0 rg BT 518.75 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.13 502.10 Td (maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 105.26 490.10 Td (occur) Tj ET Q q 0 0 0 rg BT 127.07 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 132.07 490.10 Td (any ) Tj ET Q q 0 0 0 rg BT 149.00 490.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 193.14 490.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 226.20 490.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 249.81 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 260.64 490.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 287.03 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 299.53 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.25 490.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 347.29 490.10 Td (date ) Tj ET Q q 0 0 0 rg BT 366.44 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 381.15 490.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 427.51 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.79 490.10 Td (other ) Tj ET Q q 0 0 0 rg BT 460.83 490.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 523.87 490.10 Td (income.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (Bank Owned Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.04 454.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 134.42 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.70 454.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 166.64 454.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 195.79 454.10 Td (life ) Tj ET Q q 0 0 0 rg BT 211.62 454.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 252.43 454.10 Td (\(BOLI\) ) Tj ET Q q 0 0 0 rg BT 293.79 454.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 336.83 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.54 454.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 371.81 454.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 412.07 454.10 Td (value ) Tj ET Q q 0 0 0 rg BT 436.22 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.05 454.10 Td (life ) Tj ET Q q 0 0 0 rg BT 462.87 454.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 503.68 454.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 537.28 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 454.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 71.88 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.20 442.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 113.40 442.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 137.50 442.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 183.26 442.10 Td (who ) Tj ET Q q 0 0 0 rg BT 203.47 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 225.34 442.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 263.88 442.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 298.54 442.10 Td (consent ) Tj ET Q q 0 0 0 rg BT 332.08 442.10 Td (allowing ) Tj ET Q q 0 0 0 rg BT 370.07 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.28 442.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 409.38 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 420.15 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 432.58 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.79 442.10 Td (beneficiary ) Tj ET Q q 0 0 0 rg BT 495.76 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.08 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 528.40 442.10 Td (policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Increases ) Tj ET Q q 0 0 0 rg BT 89.41 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 99.39 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.82 430.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 133.80 430.10 Td (value ) Tj ET Q q 0 0 0 rg BT 157.66 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.20 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.63 430.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 218.44 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 228.98 430.10 Td (well ) Tj ET Q q 0 0 0 rg BT 248.41 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.95 430.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 299.47 430.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 337.22 430.10 Td (received, ) Tj ET Q q 0 0 0 rg BT 375.79 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 390.21 430.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 427.39 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.38 430.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 484.02 430.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 518.17 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 534.81 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.23 430.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 81.18 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.82 418.10 Td (income ) Tj ET Q q 0 0 0 rg BT 124.11 418.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 149.80 418.10 Td (The ) Tj ET Q q 0 0 0 rg BT 168.21 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.04 418.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 241.12 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.30 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.38 418.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 308.55 418.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 337.49 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 347.02 418.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 386.52 418.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 408.81 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.45 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.52 418.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 472.91 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.10 418.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 510.29 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.58 418.10 Td (annually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (thereafter) Tj ET Q q 0 0 0 rg BT 87.75 406.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Federal Home Loan Bank Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 370.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 102.28 370.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 129.02 370.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 151.86 370.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 175.27 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.90 370.10 Td (Boston ) Tj ET Q q 0 0 0 rg BT 216.53 370.10 Td (\(FHLB\) ) Tj ET Q q 0 0 0 rg BT 259.93 370.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 283.33 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 292.30 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 299.04 370.10 Td (non-marketable ) Tj ET Q q 0 0 0 rg BT 364.08 370.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 391.38 370.10 Td (security ) Tj ET Q q 0 0 0 rg BT 425.33 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 442.62 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 451.59 370.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 481.64 370.10 Td (at ) Tj ET Q q 0 0 0 rg BT 491.15 370.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 511.89 370.10 Td (There ) Tj ET Q q 0 0 0 rg BT 537.51 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 552.01 370.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 79.94 358.10 Td (market ) Tj ET Q q 0 0 0 rg BT 110.42 358.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 137.02 358.10 Td (for ) Tj ET Q q 0 0 0 rg BT 151.40 358.10 Td (this ) Tj ET Q q 0 0 0 rg BT 168.56 358.10 Td (security ) Tj ET Q q 0 0 0 rg BT 202.94 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.10 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.03 358.10 Td (security ) Tj ET Q q 0 0 0 rg BT 269.41 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 278.80 358.10 Td (not ) Tj ET Q q 0 0 0 rg BT 294.30 358.10 Td (liquid. ) Tj ET Q q 0 0 0 rg BT 322.65 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 340.92 358.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 382.53 358.10 Td (can ) Tj ET Q q 0 0 0 rg BT 399.12 358.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 415.73 358.10 Td (these ) Tj ET Q q 0 0 0 rg BT 439.00 358.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 479.48 358.10 Td (back ) Tj ET Q q 0 0 0 rg BT 501.08 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.58 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.51 358.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 554.79 358.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (par) Tj ET Q q 0 0 0 rg BT 62.22 346.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Loans Held For) Tj ET Q q 0 0 0 rg BT 117.05 328.10 Td ( Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 310.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 97.05 310.10 Td (held ) Tj ET Q q 0 0 0 rg BT 116.88 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 131.15 310.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 149.31 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 164.13 310.10 Td (those ) Tj ET Q q 0 0 0 rg BT 187.85 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 211.57 310.10 Td (which ) Tj ET Q q 0 0 0 rg BT 238.62 310.10 Td (management ) Tj ET Q q 0 0 0 rg BT 292.32 310.10 Td (has ) Tj ET Q q 0 0 0 rg BT 308.27 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.10 310.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 348.48 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.87 310.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 375.37 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.76 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.59 310.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 448.73 310.10 Td (future, ) Tj ET Q q 0 0 0 rg BT 477.71 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.77 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 509.58 310.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 539.95 310.10 Td (at ) 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 50.00 298.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 75.30 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.16 298.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 127.55 298.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 146.18 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 157.04 298.10 Td (market ) Tj ET Q q 0 0 0 rg BT 187.33 298.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 214.02 298.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 230.98 298.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 275.15 298.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 304.07 298.10 Td (if ) Tj ET Q q 0 0 0 rg BT 312.71 298.10 Td (any) Tj ET Q q 0 0 0 rg BT 326.50 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.53 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 346.26 298.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 392.65 298.10 Td (by ) Tj ET Q q 0 0 0 rg BT 405.18 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 412.15 298.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 451.89 298.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 494.95 298.10 Td (through ) Tj ET Q q 0 0 0 rg BT 528.58 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 535.55 298.10 Td (char) Tj ET Q q 0 0 0 rg BT 552.58 298.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.39 286.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 107.44 286.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 141.98 286.10 Td (Realized ) Tj ET Q q 0 0 0 rg BT 179.58 286.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 203.30 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.35 286.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 246.85 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 259.46 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.29 286.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 292.45 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.39 286.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 327.11 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 341.93 286.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 388.41 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 401.02 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.85 286.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 438.45 286.10 Td (date ) Tj ET Q q 0 0 0 rg BT 457.71 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.77 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 489.58 286.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 537.18 286.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 286.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 274.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 92.84 274.10 Td (between ) Tj ET Q q 0 0 0 rg BT 128.66 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.37 274.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 161.42 274.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 199.46 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.40 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.11 274.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 266.93 274.10 Td (value ) Tj ET Q q 0 0 0 rg BT 291.08 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.91 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.63 274.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 256.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 97.05 256.10 Td (may ) Tj ET Q q 0 0 0 rg BT 116.88 256.10 Td (be ) Tj ET Q q 0 0 0 rg BT 128.92 256.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 148.20 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 168.59 256.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 207.86 256.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 233.24 256.10 Td (released ) Tj ET Q q 0 0 0 rg BT 268.61 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 279.55 256.10 Td (retained. ) Tj ET Q q 0 0 0 rg BT 316.28 256.10 Td (At ) Tj ET Q q 0 0 0 rg BT 328.89 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.72 256.10 Td (time ) Tj ET Q q 0 0 0 rg BT 364.10 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.04 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.87 256.10 Td (sale, ) Tj ET Q q 0 0 0 rg BT 410.53 256.10 Td (management ) Tj ET Q q 0 0 0 rg BT 464.23 256.10 Td (records ) Tj ET Q q 0 0 0 rg BT 496.26 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 503.31 256.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 542.58 256.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.26 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.08 244.10 Td (value ) Tj ET Q q 0 0 0 rg BT 100.34 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.27 244.10 Td (any ) Tj ET Q q 0 0 0 rg BT 126.32 244.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 160.12 244.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 198.38 244.10 Td (rights, ) Tj ET Q q 0 0 0 rg BT 225.26 244.10 Td (which ) Tj ET Q q 0 0 0 rg BT 251.30 244.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 293.44 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.26 244.10 Td (present ) Tj ET Q q 0 0 0 rg BT 337.74 244.10 Td (value ) Tj ET Q q 0 0 0 rg BT 361.00 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.93 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.75 244.10 Td (dif) Tj ET Q q 0 0 0 rg BT 395.68 244.10 Td (ferential ) Tj ET Q q 0 0 0 rg BT 430.59 244.10 Td (between ) Tj ET Q q 0 0 0 rg BT 465.51 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.33 244.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 525.35 244.10 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 64.86 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 81.95 232.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 120.14 232.10 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 180.83 232.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 213.47 232.10 Td (as ) Tj ET Q q 0 0 0 rg BT 224.45 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.32 232.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 254.18 232.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.27 232.10 Td (sub-servicer ) Tj ET Q q 0 0 0 rg BT 312.79 232.10 Td (would ) Tj ET Q q 0 0 0 rg BT 340.45 232.10 Td (require ) Tj ET Q q 0 0 0 rg BT 371.41 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.85 232.10 Td (assume ) Tj ET Q q 0 0 0 rg BT 413.94 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.81 232.10 Td (role ) Tj ET Q q 0 0 0 rg BT 447.01 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.99 232.10 Td (servicer) Tj ET Q q 0 0 0 rg BT 489.23 232.10 Td (, ) Tj ET Q q 0 0 0 rg BT 494.39 232.10 Td (after ) Tj ET Q q 0 0 0 rg BT 515.35 232.10 Td (considering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 220.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 105.54 220.10 Td (ef) Tj ET Q q 0 0 0 rg BT 113.13 220.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 134.50 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.33 220.10 Td (prepayments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 202.10 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 110.87 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.65 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 161.09 202.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 187.88 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 203.55 202.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 247.54 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 262.66 202.10 Td (as ) Tj ET Q q 0 0 0 rg BT 274.45 202.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 297.34 202.10 Td (when ) Tj ET Q q 0 0 0 rg BT 322.46 202.10 Td (control ) Tj ET Q q 0 0 0 rg BT 354.24 202.10 Td (over ) Tj ET Q q 0 0 0 rg BT 375.47 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.15 202.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 417.94 202.10 Td (has ) Tj ET Q q 0 0 0 rg BT 434.72 202.10 Td (been ) Tj ET Q q 0 0 0 rg BT 457.06 202.10 Td (surrendered. ) Tj ET Q q 0 0 0 rg BT 510.22 202.10 Td (Control ) Tj ET Q q 0 0 0 rg BT 544.23 202.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 96.54 190.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 123.10 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 133.00 190.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 167.33 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.33 190.10 Td (be ) Tj ET Q q 0 0 0 rg BT 191.00 190.10 Td (surrendered ) Tj ET Q q 0 0 0 rg BT 241.43 190.10 Td (when ) Tj ET Q q 0 0 0 rg BT 266.33 190.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 281.22 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.67 190.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 323.23 190.10 Td (have ) Tj ET Q q 0 0 0 rg BT 345.33 190.10 Td (been ) Tj ET Q q 0 0 0 rg BT 367.44 190.10 Td (isolated ) Tj ET Q q 0 0 0 rg BT 401.78 190.10 Td (from ) Tj ET Q q 0 0 0 rg BT 424.45 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.90 190.10 Td (Companyput ) Tj ET Q q 0 0 0 rg BT 504.79 190.10 Td (presumptively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 82.08 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.93 178.10 Td (reach ) Tj ET Q q 0 0 0 rg BT 121.22 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.18 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.04 178.10 Td (transferor ) Tj ET Q q 0 0 0 rg BT 188.54 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.62 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 217.71 178.10 Td (creditors, ) Tj ET Q q 0 0 0 rg BT 257.83 178.10 Td (even ) Tj ET Q q 0 0 0 rg BT 279.35 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 289.76 178.10 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 337.39 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 348.35 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 371.54 178.10 Td (receivership, ) Tj ET Q q 0 0 0 rg BT 425.54 178.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 439.84 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.69 178.10 Td (transferee ) Tj ET Q q 0 0 0 rg BT 496.75 178.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 528.27 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.13 178.10 Td (right ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (\(free ) Tj ET Q q 0 0 0 rg BT 71.50 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.46 166.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 126.75 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 144.38 166.10 Td (constrain ) Tj ET Q q 0 0 0 rg BT 183.67 166.10 Td (it ) Tj ET Q q 0 0 0 rg BT 191.85 166.10 Td (from ) Tj ET Q q 0 0 0 rg BT 213.92 166.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 241.55 166.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 284.71 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.67 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 313.30 166.10 Td (right\) ) Tj ET Q q 0 0 0 rg BT 338.15 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.56 166.10 Td (pledge ) Tj ET Q q 0 0 0 rg BT 377.84 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 388.80 166.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 429.19 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.04 166.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 489.97 166.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 518.43 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.50 166.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 549.79 166.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (transferor ) Tj ET Q q 0 0 0 rg BT 91.97 154.10 Td (does ) Tj ET Q q 0 0 0 rg BT 113.39 154.10 Td (not ) Tj ET Q q 0 0 0 rg BT 129.27 154.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 167.36 154.10 Td (ef) Tj ET Q q 0 0 0 rg BT 174.95 154.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 205.25 154.10 Td (control ) Tj ET Q q 0 0 0 rg BT 236.67 154.10 Td (over ) Tj ET Q q 0 0 0 rg BT 257.54 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.85 154.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 319.26 154.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 345.68 154.10 Td (through ) Tj ET Q q 0 0 0 rg BT 379.89 154.10 Td (either ) Tj ET Q q 0 0 0 rg BT 405.75 154.10 Td (\(a\)an ) Tj ET Q q 0 0 0 rg BT 431.89 154.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 476.63 154.10 Td (that ) Tj ET Q q 0 0 0 rg BT 494.72 154.10 Td (both ) Tj ET Q q 0 0 0 rg BT 515.60 154.10 Td (entitles ) Tj ET Q q 0 0 0 rg BT 547.58 154.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (obligates ) Tj ET Q q 0 0 0 rg BT 89.25 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.60 142.10 Td (transferor ) Tj ET Q q 0 0 0 rg BT 146.61 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.53 142.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 203.98 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 215.45 142.10 Td (redeem ) Tj ET Q q 0 0 0 rg BT 248.02 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.38 142.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 289.85 142.10 Td (before ) Tj ET Q q 0 0 0 rg BT 318.53 142.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 355.55 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.03 142.10 Td (\(b\)the ) Tj ET Q q 0 0 0 rg BT 396.55 142.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 425.24 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.16 142.10 Td (unilaterally ) Tj ET Q q 0 0 0 rg BT 484.84 142.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 510.19 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.55 142.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 554.24 142.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (return ) Tj ET Q q 0 0 0 rg BT 76.38 130.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 109.97 130.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 138.30 130.10 Td (other ) Tj ET Q q 0 0 0 rg BT 161.35 130.10 Td (than ) Tj ET Q q 0 0 0 rg BT 181.06 130.10 Td (through ) Tj ET Q q 0 0 0 rg BT 214.67 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 221.61 130.10 Td (cleanup ) Tj ET Q q 0 0 0 rg BT 255.21 130.10 Td (call.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (Loans Receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 94.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 96.75 94.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 140.14 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 157.45 94.10 Td (management ) Tj ET Q q 0 0 0 rg BT 210.86 94.10 Td (has ) Tj ET Q q 0 0 0 rg BT 226.50 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.03 94.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 268.89 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.65 94.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 310.73 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.83 94.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 340.92 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 354.89 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.42 94.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 417.26 94.10 Td (future ) Tj ET Q q 0 0 0 rg BT 443.45 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 454.09 94.10 Td (until ) Tj ET Q q 0 0 0 rg BT 474.74 94.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 510.93 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 521.58 94.10 Td (payof) Tj ET Q q 0 0 0 rg BT 544.17 94.10 Td (f ) Tj ET Q q 0 0 0 rg BT 549.81 94.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 76.25 82.10 Td (at ) Tj ET Q q 0 0 0 rg BT 86.38 82.10 Td (their ) Tj ET Q q 0 0 0 rg BT 107.63 82.10 Td (current ) Tj ET Q q 0 0 0 rg BT 138.87 82.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 169.01 82.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 207.47 82.10 Td (balances, ) Tj ET Q q 0 0 0 rg BT 247.31 82.10 Td (net ) Tj ET Q q 0 0 0 rg BT 262.45 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.70 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.84 82.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 332.30 82.10 Td (for ) Tj ET Q q 0 0 0 rg BT 346.88 82.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 367.02 82.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 396.33 82.10 Td (char) Tj ET Q q 0 0 0 rg BT 413.36 82.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 434.27 82.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 446.92 82.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 493.42 82.10 Td (net ) Tj ET Q q 0 0 0 rg BT 508.56 82.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 544.79 82.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 96.38 70.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 114.98 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.92 70.10 Td (unamortized ) Tj ET Q q 0 0 0 rg BT 184.40 70.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 204.12 70.10 Td (premiums.) 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 (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Past ) Tj ET Q q 0 0 0 rg BT 88.49 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 104.74 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 114.88 742.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 165.57 742.10 Td (status ) Tj ET Q q 0 0 0 rg BT 190.17 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 203.64 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 215.45 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 238.38 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 246.86 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 271.45 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 283.26 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.29 742.10 Td (number ) Tj ET Q q 0 0 0 rg BT 329.66 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.80 742.10 Td (days ) Tj ET Q q 0 0 0 rg BT 359.95 742.10 Td (past ) Tj ET Q q 0 0 0 rg BT 377.87 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 394.12 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.72 742.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 450.49 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 470.09 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 481.35 742.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 527.59 742.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.89 712.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 98.33 712.10 Td (is ) Tj ET Q q 0 0 0 rg BT 107.21 712.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 152.75 712.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 190.51 712.10 Td (when ) Tj ET Q q 0 0 0 rg BT 214.39 712.10 Td (it ) Tj ET Q q 0 0 0 rg BT 222.17 712.10 Td (is ) Tj ET Q q 0 0 0 rg BT 231.05 712.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 268.26 712.10 Td (that ) Tj ET Q q 0 0 0 rg BT 285.47 712.10 Td (all ) Tj ET Q q 0 0 0 rg BT 297.69 712.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 344.33 712.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 382.09 712.10 Td (or ) Tj ET Q q 0 0 0 rg BT 392.64 712.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.29 712.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 464.83 712.10 Td (due ) Tj ET Q q 0 0 0 rg BT 481.49 712.10 Td (will ) Tj ET Q q 0 0 0 rg BT 499.27 712.10 Td (not ) Tj ET Q q 0 0 0 rg BT 514.27 712.10 Td (be ) Tj ET Q q 0 0 0 rg BT 525.92 712.10 Td (collected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.49 700.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 108.16 700.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.64 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.57 700.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 168.50 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.54 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.46 700.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 214.39 700.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 261.24 700.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 300.04 700.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.86 700.10 Td (are ) Tj ET Q q 0 0 0 rg BT 338.77 700.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 379.80 700.10 Td (based ) Tj ET Q q 0 0 0 rg BT 405.27 700.10 Td (on ) Tj ET Q q 0 0 0 rg BT 417.98 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.91 700.10 Td (present ) Tj ET Q q 0 0 0 rg BT 464.50 700.10 Td (value ) Tj ET Q q 0 0 0 rg BT 488.86 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.90 700.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 538.14 700.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.26 688.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 94.97 688.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 140.78 688.10 Td (at ) Tj ET Q q 0 0 0 rg BT 150.48 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.19 688.10 Td (loan) Tj ET Q q 0 0 0 rg BT 185.18 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 191.56 688.10 Td (ef) Tj ET Q q 0 0 0 rg BT 199.15 688.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 228.84 688.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 260.76 688.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 278.23 688.10 Td (or) Tj ET Q q 0 0 0 rg BT 286.16 688.10 Td (, ) Tj ET Q q 0 0 0 rg BT 291.15 688.10 Td (as ) Tj ET Q q 0 0 0 rg BT 301.97 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 308.90 688.10 Td (practical ) Tj ET Q q 0 0 0 rg BT 345.80 688.10 Td (expedient, ) Tj ET Q q 0 0 0 rg BT 389.66 688.10 Td (at ) Tj ET Q q 0 0 0 rg BT 399.37 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.07 688.10 Td (loan) Tj ET Q q 0 0 0 rg BT 434.07 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 440.45 688.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 486.25 688.10 Td (market ) Tj ET Q q 0 0 0 rg BT 516.50 688.10 Td (price ) Tj ET Q q 0 0 0 rg BT 538.97 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 549.79 688.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.30 676.10 Td (value ) Tj ET Q q 0 0 0 rg BT 90.37 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.12 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.76 676.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 157.87 676.10 Td (if ) Tj ET Q q 0 0 0 rg BT 166.40 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.04 676.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 200.67 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 209.76 676.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 249.38 676.10 Td (dependent. ) Tj ET Q q 0 0 0 rg BT 295.22 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 313.18 676.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 345.60 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.35 676.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 407.37 676.10 Td (if ) Tj ET Q q 0 0 0 rg BT 415.89 676.10 Td (any) Tj ET Q q 0 0 0 rg BT 429.68 676.10 Td (, ) Tj ET Q q 0 0 0 rg BT 434.60 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.46 676.10 Td (any ) Tj ET Q q 0 0 0 rg BT 468.32 676.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 515.18 676.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 549.80 676.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 87.48 664.10 Td (as ) Tj ET Q q 0 0 0 rg BT 98.31 664.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 148.58 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.86 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.57 664.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 216.61 664.10 Td (for ) Tj ET Q q 0 0 0 rg BT 230.77 664.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 250.48 664.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 646.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 108.00 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 131.01 646.10 Td (also ) Tj ET Q q 0 0 0 rg BT 149.03 646.10 Td (include ) Tj ET Q q 0 0 0 rg BT 180.37 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 203.38 646.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 241.39 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 251.07 646.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 286.31 646.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 305.43 646.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 362.32 646.10 Td (where ) Tj ET Q q 0 0 0 rg BT 388.65 646.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 438.33 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 459.11 646.10 Td (been ) Tj ET Q q 0 0 0 rg BT 479.89 646.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 511.78 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.47 646.10 Td (borrowers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 103.34 634.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 140.02 634.10 Td (dif) Tj ET Q q 0 0 0 rg BT 150.95 634.10 Td (ficulties. ) Tj ET Q q 0 0 0 rg BT 187.23 634.10 Td (These ) Tj ET Q q 0 0 0 rg BT 212.81 634.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 262.27 634.10 Td (could ) Tj ET Q q 0 0 0 rg BT 286.19 634.10 Td (include ) Tj ET Q q 0 0 0 rg BT 317.32 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 323.46 634.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 362.92 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.40 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.31 634.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 417.44 634.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 434.13 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 445.83 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.74 634.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 481.16 634.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 517.29 634.10 Td (extensions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (for) Tj ET Q q 0 0 0 rg BT 61.48 622.10 Td (giveness ) Tj ET Q q 0 0 0 rg BT 98.42 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.25 622.10 Td (principal, ) Tj ET Q q 0 0 0 rg BT 149.79 622.10 Td (forbearance ) Tj ET Q q 0 0 0 rg BT 199.47 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 210.30 622.10 Td (other ) Tj ET Q q 0 0 0 rg BT 233.35 622.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 264.17 622.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 301.11 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.39 622.10 Td (maximize ) Tj ET Q q 0 0 0 rg BT 353.32 622.10 Td (collection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 604.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 97.11 604.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 127.53 604.10 Td (than ) Tj ET Q q 0 0 0 rg BT 147.41 604.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 160.08 604.10 Td (days ) Tj ET Q q 0 0 0 rg BT 181.08 604.10 Td (past ) Tj ET Q q 0 0 0 rg BT 199.85 604.10 Td (due ) Tj ET Q q 0 0 0 rg BT 216.96 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 231.83 604.10 Td (put ) Tj ET Q q 0 0 0 rg BT 247.28 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 259.95 604.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 306.48 604.10 Td (status ) Tj ET Q q 0 0 0 rg BT 331.92 604.10 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 377.35 604.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 407.22 604.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 444.31 604.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 469.75 604.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 507.95 604.10 Td (loans\). ) Tj ET Q q 0 0 0 rg BT 537.56 604.10 Td (Loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 65.38 592.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.65 592.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 113.92 592.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.08 592.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 174.12 592.10 Td (status ) Tj ET Q q 0 0 0 rg BT 200.06 592.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 227.39 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.34 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.73 592.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 287.45 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.95 592.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 355.71 592.10 Td (full ) Tj ET Q q 0 0 0 rg BT 372.76 592.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 415.36 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.86 592.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 465.57 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.18 592.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.78 592.10 Td (is ) Tj ET Q q 0 0 0 rg BT 525.62 592.10 Td (doubtful. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.63 580.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 127.50 580.10 Td (accrued, ) Tj ET Q q 0 0 0 rg BT 163.73 580.10 Td (but ) Tj ET Q q 0 0 0 rg BT 179.15 580.10 Td (uncollected, ) Tj ET Q q 0 0 0 rg BT 230.39 580.10 Td (is ) Tj ET Q q 0 0 0 rg BT 239.70 580.10 Td (reversed ) Tj ET Q q 0 0 0 rg BT 276.22 580.10 Td (against ) Tj ET Q q 0 0 0 rg BT 307.19 580.10 Td (current ) Tj ET Q q 0 0 0 rg BT 338.15 580.10 Td (period ) Tj ET Q q 0 0 0 rg BT 366.34 580.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 400.92 580.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 449.68 580.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 490.65 580.10 Td (are ) Tj ET Q q 0 0 0 rg BT 505.50 580.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 552.01 580.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.10 568.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 77.52 568.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 100.18 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 111.17 568.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 149.37 568.10 Td (recapture ) Tj ET Q q 0 0 0 rg BT 189.22 568.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 211.88 568.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 256.19 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 268.85 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.94 568.10 Td (number ) Tj ET Q q 0 0 0 rg BT 309.15 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.13 568.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 350.00 568.10 Td (including ) Tj ET Q q 0 0 0 rg BT 390.43 568.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 436.97 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.96 568.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 490.04 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.14 568.10 Td (if ) Tj ET Q q 0 0 0 rg BT 515.91 568.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (is ) Tj ET Q q 0 0 0 rg BT 60.11 556.10 Td (identified. ) Tj ET Q q 0 0 0 rg BT 103.61 556.10 Td (A) Tj ET Q q 0 0 0 rg BT 110.28 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.71 556.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 161.01 556.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 181.67 556.10 Td (is ) Tj ET Q q 0 0 0 rg BT 191.78 556.10 Td (restored ) Tj ET Q q 0 0 0 rg BT 227.42 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.64 556.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 270.94 556.10 Td (status ) Tj ET Q q 0 0 0 rg BT 297.15 556.10 Td (when ) Tj ET Q q 0 0 0 rg BT 322.25 556.10 Td (it ) Tj ET Q q 0 0 0 rg BT 331.24 556.10 Td (is ) Tj ET Q q 0 0 0 rg BT 341.35 556.10 Td (no ) Tj ET Q q 0 0 0 rg BT 354.79 556.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 383.77 556.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 429.42 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.30 556.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 502.94 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.71 556.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.58 556.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.04 544.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.21 544.10 Td (no ) Tj ET Q q 0 0 0 rg BT 109.71 544.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 137.76 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 148.04 544.10 Td (doubt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 526.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.85 526.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 158.59 526.10 Td (all ) Tj ET Q q 0 0 0 rg BT 171.23 526.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 217.73 526.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 243.99 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 267.18 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 290.93 526.10 Td (past ) Tj ET Q q 0 0 0 rg BT 309.68 526.10 Td (due ) Tj ET Q q 0 0 0 rg BT 326.77 526.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 360.24 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 371.21 526.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 396.90 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.99 526.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 464.38 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 488.14 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.44 526.10 Td (impairment. ) Tj ET Q q 0 0 0 rg BT 553.68 526.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (most ) Tj ET Q q 0 0 0 rg BT 72.25 514.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 98.65 514.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 118.67 514.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 159.80 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 177.60 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 192.61 514.10 Td (past ) Tj ET Q q 0 0 0 rg BT 211.52 514.10 Td (due ) Tj ET Q q 0 0 0 rg BT 228.76 514.10 Td (less ) Tj ET Q q 0 0 0 rg BT 246.56 514.10 Td (than ) Tj ET Q q 0 0 0 rg BT 266.58 514.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 300.21 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 315.22 514.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 361.34 514.10 Td (minor ) Tj ET Q q 0 0 0 rg BT 388.03 514.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 430.26 514.10 Td (delays ) Tj ET Q q 0 0 0 rg BT 458.61 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.85 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.87 514.10 Td (related ) Tj ET Q q 0 0 0 rg BT 520.88 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 544.79 514.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 64.32 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 75.30 502.10 Td (impaired. ) Tj ET Q q 0 0 0 rg BT 114.88 502.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 157.53 502.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 203.50 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 226.15 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 239.90 502.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 284.75 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.07 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 305.05 502.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 328.26 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.13 502.10 Td (small ) Tj ET Q q 0 0 0 rg BT 361.33 502.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 393.40 502.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 450.49 502.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 475.64 502.10 Td (which ) Tj ET Q q 0 0 0 rg BT 501.62 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 515.36 502.10 Td (collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 90.81 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.97 490.10 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.10 Td (Modifications ) Tj ET Q q 0 0 0 rg BT 129.43 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.54 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 148.31 472.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 168.86 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 184.39 472.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 231.04 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.15 472.10 Td (be ) Tj ET Q q 0 0 0 rg BT 254.92 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 262.69 472.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 299.34 472.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 319.89 472.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 374.31 472.10 Td (\(TDR\) ) Tj ET Q q 0 0 0 rg BT 413.18 472.10 Td (when ) Tj ET Q q 0 0 0 rg BT 438.17 472.10 Td (two ) Tj ET Q q 0 0 0 rg BT 456.50 472.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 501.49 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 517.03 472.10 Td (met: ) Tj ET Q q 0 0 0 rg BT 538.13 472.10 Td (1\) ) Tj ET Q q 0 0 0 rg BT 549.79 472.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 88.76 460.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.54 460.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 151.30 460.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.39 460.10 Td (dif) Tj ET Q q 0 0 0 rg BT 199.32 460.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 233.64 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.19 460.10 Td (2\) ) Tj ET Q q 0 0 0 rg BT 260.63 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.96 460.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 328.17 460.10 Td (constitutes ) Tj ET Q q 0 0 0 rg BT 373.06 460.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.61 460.10 Td (concession ) Tj ET Q q 0 0 0 rg BT 425.60 460.10 Td (that ) Tj ET Q q 0 0 0 rg BT 442.70 460.10 Td (is ) Tj ET Q q 0 0 0 rg BT 451.48 460.10 Td (not ) Tj ET Q q 0 0 0 rg BT 466.37 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.26 460.10 Td (line ) Tj ET Q q 0 0 0 rg BT 493.37 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 513.26 460.10 Td (market ) Tj ET Q q 0 0 0 rg BT 543.14 460.10 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 76.92 448.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 103.01 448.10 Td (Modified ) Tj ET Q q 0 0 0 rg BT 141.59 448.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 165.18 448.10 Td (are ) Tj ET Q q 0 0 0 rg BT 178.76 448.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 221.22 448.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 242.60 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.18 448.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 292.54 448.10 Td (position ) Tj ET Q q 0 0 0 rg BT 326.13 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.94 448.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 366.08 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.78 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.37 448.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 431.29 448.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 467.39 448.10 Td (. ) Tj ET Q q 0 0 0 rg BT 471.26 448.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 492.07 448.10 Td (may ) Tj ET Q q 0 0 0 rg BT 510.66 448.10 Td (be ) Tj ET Q q 0 0 0 rg BT 521.47 448.10 Td (bifurcated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.01 436.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 104.99 436.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 129.44 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 143.33 436.10 Td (each ) Tj ET Q q 0 0 0 rg BT 163.88 436.10 Td (tranche ) Tj ET Q q 0 0 0 rg BT 195.53 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.09 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.54 436.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 270.52 436.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 292.31 436.10 Td (The ) Tj ET Q q 0 0 0 rg BT 310.09 436.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 345.64 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.65 436.10 Td (restructure ) Tj ET Q q 0 0 0 rg BT 400.64 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 407.30 436.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 429.25 436.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 457.03 436.10 Td (aggressively ) Tj ET Q q 0 0 0 rg BT 509.25 436.10 Td (enforcing ) Tj ET Q q 0 0 0 rg BT 549.80 436.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 91.93 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.76 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.48 424.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 139.69 424.10 Td (may ) Tj ET Q q 0 0 0 rg BT 159.41 424.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 189.67 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.39 424.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 245.78 424.10 Td (by ) Tj ET Q q 0 0 0 rg BT 258.28 424.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 301.87 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.59 424.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 351.86 424.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 398.24 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.07 424.10 Td (collection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.10 Td (If ) Tj ET Q q 0 0 0 rg BT 79.21 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 86.19 406.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 133.72 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 153.49 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 162.70 406.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 213.00 406.10 Td (into ) Tj ET Q q 0 0 0 rg BT 231.11 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.91 406.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 260.45 406.10 Td (it ) Tj ET Q q 0 0 0 rg BT 268.56 406.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 302.76 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 313.08 406.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 360.61 406.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 388.44 406.10 Td (If ) Tj ET Q q 0 0 0 rg BT 397.65 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 404.63 406.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 467.16 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 486.93 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 496.14 406.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 546.44 406.10 Td (into ) 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 57.08 394.10 Td (TDR, ) Tj ET Q q 0 0 0 rg BT 82.43 394.10 Td (it ) Tj ET Q q 0 0 0 rg BT 90.84 394.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 132.01 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 142.64 394.10 Td (be ) Tj ET Q q 0 0 0 rg BT 154.93 394.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 185.53 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.16 394.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 242.87 394.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 271.00 394.10 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 319.93 394.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 375.54 394.10 Td (may ) Tj ET Q q 0 0 0 rg BT 395.60 394.10 Td (be ) Tj ET Q q 0 0 0 rg BT 407.89 394.10 Td (removed ) Tj ET Q q 0 0 0 rg BT 445.72 394.10 Td (if ) Tj ET Q q 0 0 0 rg BT 454.68 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.75 394.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 509.25 394.10 Td (demonstrates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.47 382.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.62 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.22 382.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 171.70 382.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 196.29 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 210.33 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.15 382.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 258.42 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 269.13 382.10 Td (sixmonths. ) Tj ET Q q 0 0 0 rg BT 317.45 382.10 Td (TDR) Tj ET Q q 0 0 0 rg BT 340.23 382.10 Td (s ) Tj ET Q q 0 0 0 rg BT 346.50 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 361.08 382.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 396.78 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 407.48 382.10 Td (such ) Tj ET Q q 0 0 0 rg BT 428.19 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 442.23 382.10 Td (at ) Tj ET Q q 0 0 0 rg BT 451.83 382.10 Td (least ) Tj ET Q q 0 0 0 rg BT 472.53 382.10 Td (one ) Tj ET Q q 0 0 0 rg BT 489.34 382.10 Td (year ) Tj ET Q q 0 0 0 rg BT 508.93 382.10 Td (from ) Tj ET Q q 0 0 0 rg BT 530.75 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 545.34 382.10 Td (date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 62.23 370.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 119.73 370.10 Td (Inyears ) Tj ET Q q 0 0 0 rg BT 155.56 370.10 Td (after ) Tj ET Q q 0 0 0 rg BT 177.78 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.90 370.10 Td (restructuring, ) Tj ET Q q 0 0 0 rg BT 251.40 370.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 288.63 370.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 309.75 370.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 361.40 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 386.42 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 402.53 370.10 Td (removed ) Tj ET Q q 0 0 0 rg BT 441.42 370.10 Td (from ) Tj ET Q q 0 0 0 rg BT 464.76 370.10 Td (this ) Tj ET Q q 0 0 0 rg BT 483.11 370.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 539.77 370.10 Td (if ) Tj ET Q q 0 0 0 rg BT 549.78 370.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 103.26 358.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 147.07 358.10 Td (specifies ) Tj ET Q q 0 0 0 rg BT 184.22 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 190.82 358.10 Td (market ) Tj ET Q q 0 0 0 rg BT 220.75 358.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 237.90 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.40 358.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 280.00 358.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 303.82 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.76 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 330.92 358.10 Td (which ) Tj ET Q q 0 0 0 rg BT 357.52 358.10 Td (would ) Tj ET Q q 0 0 0 rg BT 384.69 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 396.29 358.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 434.01 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.95 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 450.55 358.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 489.37 358.10 Td (with ) Tj ET Q q 0 0 0 rg BT 509.31 358.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 539.25 358.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.43 346.10 Td (time ) Tj ET Q q 0 0 0 rg BT 94.71 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.54 346.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 159.13 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.07 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.79 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 210.50 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 219.67 346.10 Td (not ) Tj ET Q q 0 0 0 rg BT 234.95 346.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 268.54 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.82 346.10 Td (be ) Tj ET Q q 0 0 0 rg BT 290.76 346.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 328.80 346.10 Td (based ) Tj ET Q q 0 0 0 rg BT 354.07 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 366.57 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.29 346.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 419.89 346.10 Td (terms.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Acquir) Tj ET Q q 0 0 0 rg BT 79.82 328.10 Td (ed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 310.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 96.40 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 113.35 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.52 310.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 168.37 310.10 Td (acquires ) Tj ET Q q 0 0 0 rg BT 203.64 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 213.38 310.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 263.11 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 277.28 310.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 310.34 310.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 347.28 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 356.45 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 372.29 310.10 Td (value ) Tj ET Q q 0 0 0 rg BT 395.90 310.10 Td (with ) Tj ET Q q 0 0 0 rg BT 415.63 310.10 Td (no ) Tj ET Q q 0 0 0 rg BT 427.59 310.10 Td (carryover ) Tj ET Q q 0 0 0 rg BT 467.86 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.14 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.32 310.10 Td (related ) Tj ET Q q 0 0 0 rg BT 521.48 310.10 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.92 298.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 88.95 298.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 117.60 298.10 Td (Determining ) Tj ET Q q 0 0 0 rg BT 170.41 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.89 298.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 201.02 298.10 Td (value ) Tj ET Q q 0 0 0 rg BT 224.94 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.53 298.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 272.22 298.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 295.59 298.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 331.74 298.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 375.66 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.14 298.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 422.40 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 439.10 298.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 467.47 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.07 298.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 515.87 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 532.57 298.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.74 286.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 93.93 286.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 127.01 286.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 164.51 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.26 286.10 Td (be ) Tj ET Q q 0 0 0 rg BT 185.66 286.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 223.72 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 235.69 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.88 286.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.95 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.36 286.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 338.00 286.10 Td (those ) Tj ET Q q 0 0 0 rg BT 361.07 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 380.81 286.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 405.00 286.10 Td (at ) Tj ET Q q 0 0 0 rg BT 414.19 286.10 Td (an ) Tj ET Q q 0 0 0 rg BT 425.60 286.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 473.10 286.10 Td (market ) Tj ET Q q 0 0 0 rg BT 502.83 286.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 519.79 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 530.08 286.10 Td (interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 268.10 Td (For ) Tj ET Q q 0 0 0 rg BT 85.28 268.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 107.77 268.10 Td (which ) Tj ET Q q 0 0 0 rg BT 133.60 268.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 154.42 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.02 268.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 197.71 268.10 Td (stipulated ) Tj ET Q q 0 0 0 rg BT 237.98 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 246.84 268.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 294.88 268.10 Td (Standards ) Tj ET Q q 0 0 0 rg BT 335.70 268.10 Td (Codification ) Tj ET Q q 0 0 0 rg BT 387.08 268.10 Td (\(ASC\) ) Tj ET Q q 0 0 0 rg BT 423.46 268.10 Td (310-30, ) Tj ET Q q 0 0 0 rg BT 455.67 268.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 485.94 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.76 268.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 522.58 268.10 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 90.14 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 110.85 256.10 Td (Deteriorated ) Tj ET Q q 0 0 0 rg BT 163.75 256.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.68 256.10 Td (Quality, ) Tj ET Q q 0 0 0 rg BT 231.54 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.69 256.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 288.51 256.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 334.19 256.10 Td (an ) Tj ET Q q 0 0 0 rg BT 346.56 256.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 390.01 256.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 415.44 256.10 Td (which ) Tj ET Q q 0 0 0 rg BT 442.81 256.10 Td (is ) Tj ET Q q 0 0 0 rg BT 452.41 256.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 485.32 256.10 Td (as ) Tj ET Q q 0 0 0 rg BT 496.58 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.73 256.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 540.76 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 552.02 256.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.88 244.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 94.20 244.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 131.84 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 141.17 244.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 187.16 244.10 Td (over ) Tj ET Q q 0 0 0 rg BT 207.03 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.35 244.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 246.79 244.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 262.78 244.10 Td (value ) Tj ET Q q 0 0 0 rg BT 286.54 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.98 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.30 244.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 333.12 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 343.56 244.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.10 244.10 Td (income ) Tj ET Q q 0 0 0 rg BT 406.64 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 418.75 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.29 244.10 Td (level-yield ) Tj ET Q q 0 0 0 rg BT 470.16 244.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 492.27 244.10 Td (over ) Tj ET Q q 0 0 0 rg BT 512.14 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.46 244.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 93.01 232.10 Td (life ) Tj ET Q q 0 0 0 rg BT 108.80 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.59 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.28 232.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 156.28 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 174.29 232.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 202.86 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.65 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.34 232.10 Td (loan) Tj ET Q q 0 0 0 rg BT 248.33 232.10 Td (s ) Tj ET Q q 0 0 0 rg BT 254.69 232.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 309.35 232.10 Td (required ) Tj ET Q q 0 0 0 rg BT 345.13 232.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 385.93 232.10 Td (over ) Tj ET Q q 0 0 0 rg BT 406.16 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.84 232.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 441.08 232.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 465.76 232.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 503.76 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.01 232.10 Td (be ) Tj ET Q q 0 0 0 rg BT 525.91 232.10 Td (collected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 60.02 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.59 220.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 134.46 220.10 Td (dif) Tj ET Q q 0 0 0 rg BT 145.39 220.10 Td (ference. ) Tj ET Q q 0 0 0 rg BT 180.41 220.10 Td (The ) Tj ET Q q 0 0 0 rg BT 199.31 220.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 258.18 220.10 Td (dif) Tj ET Q q 0 0 0 rg BT 269.11 220.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 301.87 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 311.90 220.10 Td (not ) Tj ET Q q 0 0 0 rg BT 328.03 220.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 375.24 220.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.92 220.10 Td (an ) Tj ET Q q 0 0 0 rg BT 399.71 220.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 446.95 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 458.63 220.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 484.48 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.27 220.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 511.18 220.10 Td (accrual, ) Tj ET Q q 0 0 0 rg BT 545.90 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 557.58 220.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 89.74 208.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 134.74 208.10 Td (After ) Tj ET Q q 0 0 0 rg BT 158.37 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.11 208.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 198.97 208.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 247.88 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.62 208.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 304.03 208.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 344.88 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.19 208.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 391.03 208.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 425.76 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.50 208.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 469.14 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.11 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.85 208.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 533.38 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 544.23 208.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.14 196.10 Td (be ) Tj ET Q q 0 0 0 rg BT 71.93 196.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 110.38 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 124.94 196.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 170.62 196.10 Td (estimated. ) Tj ET Q q 0 0 0 rg BT 213.79 196.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 262.26 196.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 306.83 196.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 345.83 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.97 196.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 376.09 196.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 400.67 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.25 196.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 456.49 196.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 488.83 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 498.97 196.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 527.98 196.10 Td (will ) Tj ET Q q 0 0 0 rg BT 545.89 196.10 Td (first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 78.59 184.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 122.75 184.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 168.55 184.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 207.71 184.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 250.19 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.57 184.10 Td (then ) Tj ET Q q 0 0 0 rg BT 285.73 184.10 Td (be ) Tj ET Q q 0 0 0 rg BT 297.11 184.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 334.02 184.10 Td (prospectively ) Tj ET Q q 0 0 0 rg BT 389.84 184.10 Td (as ) Tj ET Q q 0 0 0 rg BT 400.11 184.10 Td (an ) Tj ET Q q 0 0 0 rg BT 411.49 184.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 446.19 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.91 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.07 184.10 Td (level ) Tj ET Q q 0 0 0 rg BT 491.45 184.10 Td (yield. ) Tj ET Q q 0 0 0 rg BT 515.89 184.10 Td (Subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 90.46 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 100.39 172.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 138.07 172.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 157.99 172.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 182.36 172.10 Td (may ) Tj ET Q q 0 0 0 rg BT 201.73 172.10 Td (result ) Tj ET Q q 0 0 0 rg BT 226.10 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.03 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.39 172.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 269.76 172.10 Td (being ) Tj ET Q q 0 0 0 rg BT 294.13 172.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 339.59 172.10 Td (impaired. ) Tj ET Q q 0 0 0 rg BT 379.79 172.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 411.92 172.10 Td (income ) Tj ET Q q 0 0 0 rg BT 443.51 172.10 Td (is ) Tj ET Q q 0 0 0 rg BT 452.33 172.10 Td (not ) Tj ET Q q 0 0 0 rg BT 467.26 172.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 513.27 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.20 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.57 172.10 Td (extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.21 160.10 Td (net ) Tj ET Q q 0 0 0 rg BT 96.93 160.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 143.31 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 153.59 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.31 160.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 188.02 160.10 Td (would ) Tj ET Q q 0 0 0 rg BT 215.52 160.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 250.78 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.05 160.10 Td (an ) Tj ET Q q 0 0 0 rg BT 272.99 160.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 305.49 160.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 335.74 160.10 Td (than ) Tj ET Q q 0 0 0 rg BT 355.46 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.18 160.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 411.00 160.10 Td (payof) Tj ET Q q 0 0 0 rg BT 433.58 160.10 Td (f ) Tj ET Q q 0 0 0 rg BT 439.41 160.10 Td (amount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 142.10 Td (For ) Tj ET Q q 0 0 0 rg BT 85.22 142.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 106.37 142.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 136.40 142.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 161.71 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.62 142.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 212.85 142.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 232.32 142.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 256.24 142.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 283.47 142.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 329.04 142.10 Td (prepayments, ) Tj ET Q q 0 0 0 rg BT 384.33 142.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 431.01 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 442.71 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 448.85 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 467.76 142.10 Td (by ) Tj ET Q q 0 0 0 rg BT 479.46 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 498.38 142.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 522.58 142.10 Td (according ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.91 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.26 130.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 123.26 130.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 165.82 130.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 186.16 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.63 130.10 Td (these ) Tj ET Q q 0 0 0 rg BT 221.30 130.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 248.04 130.10 Td (Prepayments ) Tj ET Q q 0 0 0 rg BT 302.83 130.10 Td (result ) Tj ET Q q 0 0 0 rg BT 328.18 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 339.09 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.44 130.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 403.11 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.57 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.92 130.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 488.57 130.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 522.23 130.10 Td (as ) Tj ET Q q 0 0 0 rg BT 533.69 130.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (period ) Tj ET Q q 0 0 0 rg BT 77.15 118.10 Td (yield. ) Tj ET Q q 0 0 0 rg BT 101.25 118.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 137.29 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.67 118.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 195.47 118.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 246.52 118.10 Td (may ) Tj ET Q q 0 0 0 rg BT 265.34 118.10 Td (change ) Tj ET Q q 0 0 0 rg BT 295.25 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.07 118.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 340.67 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.60 118.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 381.64 118.10 Td (income ) Tj ET Q q 0 0 0 rg BT 412.67 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.71 118.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 465.85 118.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 502.99 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 512.37 118.10 Td (be ) Tj ET Q q 0 0 0 rg BT 523.41 118.10 Td (collected. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.02 106.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 106.02 106.10 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 159.58 106.10 Td (used ) Tj ET Q q 0 0 0 rg BT 180.38 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.63 106.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 233.08 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.77 106.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 290.75 106.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 313.22 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 327.90 106.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 370.36 106.10 Td (between ) Tj ET Q q 0 0 0 rg BT 406.15 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.83 106.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 441.07 106.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 465.76 106.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 503.76 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.01 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 525.92 106.10 Td (collected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 94.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 113.87 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.70 94.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 171.62 94.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 191.89 94.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 216.61 94.10 Td (so ) Tj ET Q q 0 0 0 rg BT 228.00 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 238.83 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.11 94.10 Td (not ) Tj ET Q q 0 0 0 rg BT 264.39 94.10 Td (af) Tj ET Q q 0 0 0 rg BT 271.98 94.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 289.46 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.18 94.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 362.20 94.10 Td (dif) Tj ET Q q 0 0 0 rg BT 373.13 94.10 Td (ference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 76.10 Td (For ) Tj ET Q q 0 0 0 rg BT 86.87 76.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.95 76.10 Td (that ) Tj ET Q q 0 0 0 rg BT 128.92 76.10 Td (do ) Tj ET Q q 0 0 0 rg BT 141.90 76.10 Td (not ) Tj ET Q q 0 0 0 rg BT 157.65 76.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 180.06 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.60 76.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 217.03 76.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 248.33 76.10 Td (criteria, ) Tj ET Q q 0 0 0 rg BT 282.12 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.31 76.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 339.18 76.10 Td (records ) Tj ET Q q 0 0 0 rg BT 371.58 76.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 403.99 76.10 Td (income ) Tj ET Q q 0 0 0 rg BT 436.40 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 449.38 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 456.79 76.10 Td (level ) Tj ET Q q 0 0 0 rg BT 479.20 76.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 502.17 76.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 525.15 76.10 Td (using ) Tj ET Q q 0 0 0 rg BT 549.79 76.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 105.64 64.10 Td (required ) Tj ET Q q 0 0 0 rg BT 142.40 64.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 163.61 64.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 191.52 64.10 Td (The ) Tj ET Q q 0 0 0 rg BT 210.51 64.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 252.84 64.10 Td (subjects ) Tj ET Q q 0 0 0 rg BT 288.49 64.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.04 64.10 Td (that ) Tj ET Q q 0 0 0 rg BT 331.48 64.10 Td (do ) Tj ET Q q 0 0 0 rg BT 344.92 64.10 Td (not ) Tj ET Q q 0 0 0 rg BT 361.14 64.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 384.02 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.92 64.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 421.81 64.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 453.58 64.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 485.33 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.79 64.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 518.44 64.10 Td (T) Tj ET Q q 0 0 0 rg BT 523.85 64.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 544.51 64.10 Td (450, ) Tj ET Q endstream endobj 147 0 obj <> endobj 148 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Contingencies, ) Tj ET Q q 0 0 0 rg BT 122.02 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 135.44 742.10 Td (collectively ) Tj ET Q q 0 0 0 rg BT 185.51 742.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 230.59 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 254.57 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 279.10 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 294.19 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 307.05 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 351.01 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 366.10 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 386.74 742.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 408.23 742.10 Td (using ) Tj ET Q q 0 0 0 rg BT 433.33 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.97 742.10 Td (same ) Tj ET Q q 0 0 0 rg BT 472.94 742.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 529.14 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 540.90 742.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 93.04 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 105.54 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.26 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 158.50 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.10 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 111.09 712.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 136.09 712.10 Td (that ) Tj ET Q q 0 0 0 rg BT 154.97 712.10 Td (met ) Tj ET Q q 0 0 0 rg BT 173.85 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.95 712.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 222.15 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.69 712.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 285.44 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.66 712.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 330.98 712.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 354.30 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 365.96 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.07 712.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 429.83 712.10 Td (are ) Tj ET Q q 0 0 0 rg BT 445.93 712.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 493.13 712.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 542.00 712.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 99.26 700.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 142.67 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.88 700.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 188.97 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.06 700.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 243.59 700.10 Td (is ) Tj ET Q q 0 0 0 rg BT 253.14 700.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 308.21 700.10 Td (delinquent, ) Tj ET Q q 0 0 0 rg BT 355.80 700.10 Td (if ) Tj ET Q q 0 0 0 rg BT 364.79 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.88 700.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 421.65 700.10 Td (can ) Tj ET Q q 0 0 0 rg BT 438.40 700.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 484.60 700.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 520.79 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 700.10 Td (timing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.17 688.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 99.89 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.94 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.89 688.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 164.15 688.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 184.64 688.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 209.59 688.10 Td (on ) Tj ET Q q 0 0 0 rg BT 222.32 688.10 Td (such ) Tj ET Q q 0 0 0 rg BT 243.38 688.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 267.21 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.38 688.10 Td (if ) Tj ET Q q 0 0 0 rg BT 293.21 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.16 688.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 349.77 688.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 382.48 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.99 688.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 414.60 688.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 443.98 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.92 688.10 Td (new ) Tj ET Q q 0 0 0 rg BT 478.31 688.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 514.35 688.10 Td (value ) Tj ET Q q 0 0 0 rg BT 538.74 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 688.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 75.19 676.10 Td (As ) Tj ET Q q 0 0 0 rg BT 88.33 676.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 111.19 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.44 676.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 166.35 676.10 Td (may ) Tj ET Q q 0 0 0 rg BT 185.60 676.10 Td (no ) Tj ET Q q 0 0 0 rg BT 197.63 676.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 225.20 676.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 261.11 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.35 676.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 294.60 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.41 676.10 Td (be ) Tj ET Q q 0 0 0 rg BT 315.87 676.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 361.76 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 372.12 676.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 434.14 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.60 676.10 Td (may ) Tj ET Q q 0 0 0 rg BT 469.85 676.10 Td (accrue ) Tj ET Q q 0 0 0 rg BT 497.96 676.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 529.43 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 541.45 676.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 75.60 664.10 Td (including ) Tj ET Q q 0 0 0 rg BT 115.37 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.58 664.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 158.79 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.11 664.10 Td (any ) Tj ET Q q 0 0 0 rg BT 185.54 664.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 228.05 664.10 Td (yield. ) Tj ET Q q 0 0 0 rg BT 252.40 664.10 Td (The ) Tj ET Q q 0 0 0 rg BT 269.94 664.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 310.82 664.10 Td (has ) Tj ET Q q 0 0 0 rg BT 326.14 664.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 373.12 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 390.10 664.10 Td (it ) Tj ET Q q 0 0 0 rg BT 397.65 664.10 Td (can ) Tj ET Q q 0 0 0 rg BT 413.52 664.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 458.83 664.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 494.15 664.10 Td (future ) Tj ET Q q 0 0 0 rg BT 520.02 664.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.78 664.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.67 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.55 652.10 Td (Company) Tj ET Q q 0 0 0 rg BT 119.22 652.10 Td (s ) Tj ET Q q 0 0 0 rg BT 125.78 652.10 Td (current ) Tj ET Q q 0 0 0 rg BT 156.76 652.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 194.43 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.42 652.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 242.52 652.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 266.29 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 283.96 652.10 Td (are ) Tj ET Q q 0 0 0 rg BT 298.83 652.10 Td (past ) Tj ET Q q 0 0 0 rg BT 317.61 652.10 Td (due ) Tj ET Q q 0 0 0 rg BT 334.72 652.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 368.22 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 379.21 652.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 404.93 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.04 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 434.70 652.10 Td (which ) Tj ET Q q 0 0 0 rg BT 461.81 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.70 652.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 518.25 652.10 Td (is ) Tj ET Q q 0 0 0 rg BT 527.59 652.10 Td (accruing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 98.87 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.59 640.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 154.98 640.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 187.46 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.74 640.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 219.13 640.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 248.28 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.99 640.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 298.81 640.10 Td (value ) Tj ET Q q 0 0 0 rg BT 322.96 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.79 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.51 640.10 Td (loans.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Allowance For) Tj ET Q q 0 0 0 rg BT 112.30 622.10 Td ( Loan Losses \(ALLL\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 604.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.79 604.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 132.56 604.10 Td (for ) Tj ET Q q 0 0 0 rg BT 147.46 604.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 167.92 604.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 195.05 604.10 Td (is ) Tj ET Q q 0 0 0 rg BT 204.96 604.10 Td (established ) Tj ET Q q 0 0 0 rg BT 252.64 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 264.21 604.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 291.34 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 306.79 604.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 348.35 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.37 604.10 Td (have ) Tj ET Q q 0 0 0 rg BT 381.49 604.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 419.71 604.10 Td (through ) Tj ET Q q 0 0 0 rg BT 454.06 604.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.74 604.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 502.76 604.10 Td (for ) Tj ET Q q 0 0 0 rg BT 517.66 604.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 538.12 604.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 592.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 83.00 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.32 592.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 130.24 592.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 152.33 592.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.76 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 191.50 592.10 Td (char) Tj ET Q q 0 0 0 rg BT 208.53 592.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 224.51 592.10 Td (against ) Tj ET Q q 0 0 0 rg BT 254.37 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.13 592.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 310.20 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 323.40 592.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 342.16 592.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 367.59 592.10 Td (when ) Tj ET Q q 0 0 0 rg BT 390.79 592.10 Td (management ) Tj ET Q q 0 0 0 rg BT 443.42 592.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 477.72 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.48 592.10 Td (non-collectability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.77 580.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 87.49 580.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 120.52 580.10 Td (is ) Tj ET Q q 0 0 0 rg BT 129.69 580.10 Td (confirmed. ) Tj ET Q q 0 0 0 rg BT 175.78 580.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 224.39 580.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 270.47 580.10 Td (if ) Tj ET Q q 0 0 0 rg BT 279.08 580.10 Td (any) Tj ET Q q 0 0 0 rg BT 292.87 580.10 Td (, ) Tj ET Q q 0 0 0 rg BT 297.87 580.10 Td (are ) Tj ET Q q 0 0 0 rg BT 312.58 580.10 Td (credited ) Tj ET Q q 0 0 0 rg BT 347.28 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.56 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.28 580.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 415.31 580.10 Td (for ) Tj ET Q q 0 0 0 rg BT 429.47 580.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 449.18 580.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.27 562.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 129.52 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 142.91 562.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 161.85 562.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 187.46 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 195.85 562.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 235.89 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 247.61 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.77 562.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 283.81 562.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 305.53 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 317.25 562.10 Td (management ) Tj ET Q q 0 0 0 rg BT 370.07 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.23 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 394.62 562.10 Td (based ) Tj ET Q q 0 0 0 rg BT 419.11 562.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 440.83 562.10 Td (management) Tj ET Q q 0 0 0 rg BT 494.70 562.10 Td (s ) Tj ET Q q 0 0 0 rg BT 500.31 562.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 534.80 562.10 Td (review ) 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 61.05 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.98 550.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 130.91 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.95 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.89 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 180.72 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 191.21 550.10 Td (light ) Tj ET Q q 0 0 0 rg BT 212.27 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.32 550.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 263.25 550.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 311.77 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.70 550.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 354.41 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.56 550.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 404.28 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.33 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.26 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 450.20 550.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 490.41 550.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 523.67 550.10 Td (situations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 538.10 Td (may ) Tj ET Q q 0 0 0 rg BT 87.23 538.10 Td (af) Tj ET Q q 0 0 0 rg BT 94.82 538.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 112.31 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.04 538.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 164.06 538.10 Td () Tj ET Q q 0 0 0 rg BT 166.84 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 173.24 538.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 201.30 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 211.58 538.10 Td (repay) Tj ET Q q 0 0 0 rg BT 233.14 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 238.15 538.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 278.98 538.10 Td (value ) Tj ET Q q 0 0 0 rg BT 303.14 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.98 538.10 Td (any ) Tj ET Q q 0 0 0 rg BT 330.93 538.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 376.76 538.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 416.47 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.42 538.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 476.47 538.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 517.85 538.10 Td (conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (This ) Tj ET Q q 0 0 0 rg BT 70.67 526.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 115.20 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 124.76 526.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 168.19 526.10 Td (subjective, ) Tj ET Q q 0 0 0 rg BT 214.12 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 225.34 526.10 Td (it ) Tj ET Q q 0 0 0 rg BT 233.78 526.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 268.87 526.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 308.97 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 326.86 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 341.95 526.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 389.27 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.94 526.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 445.04 526.10 Td (revision ) Tj ET Q q 0 0 0 rg BT 480.14 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 491.36 526.10 Td (more ) Tj ET Q q 0 0 0 rg BT 514.79 526.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 87.49 514.10 Td (available.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.66 496.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 130.31 496.10 Td (for ) Tj ET Q q 0 0 0 rg BT 144.08 496.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 163.41 496.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 189.42 496.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 223.20 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.65 496.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 266.86 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.41 496.10 Td (general ) Tj ET Q q 0 0 0 rg BT 314.95 496.10 Td (components. ) Tj ET Q q 0 0 0 rg BT 367.73 496.10 Td (The ) Tj ET Q q 0 0 0 rg BT 385.39 496.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 418.60 496.10 Td (component ) Tj ET Q q 0 0 0 rg BT 465.15 496.10 Td (relates ) Tj ET Q q 0 0 0 rg BT 493.36 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.25 496.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 540.91 496.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 68.86 484.10 Td (are ) Tj ET Q q 0 0 0 rg BT 84.93 484.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 126.56 484.10 Td (as ) Tj ET Q q 0 0 0 rg BT 138.75 484.10 Td ("doubtful", ) Tj ET Q q 0 0 0 rg BT 187.17 484.10 Td ("substandard" ) Tj ET Q q 0 0 0 rg BT 246.96 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 259.16 484.10 Td ("special ) Tj ET Q q 0 0 0 rg BT 294.87 484.10 Td (mention". ) Tj ET Q q 0 0 0 rg BT 338.09 484.10 Td (For ) Tj ET Q q 0 0 0 rg BT 355.84 484.10 Td (these ) Tj ET Q q 0 0 0 rg BT 380.26 484.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 407.73 484.10 Td (an ) Tj ET Q q 0 0 0 rg BT 421.03 484.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 465.43 484.10 Td (is ) Tj ET Q q 0 0 0 rg BT 475.96 484.10 Td (established ) Tj ET Q q 0 0 0 rg BT 524.26 484.10 Td (when ) Tj ET Q q 0 0 0 rg BT 549.78 484.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 96.20 472.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 116.84 472.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 144.44 472.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 184.51 472.10 Td (value ) Tj ET Q q 0 0 0 rg BT 209.04 472.10 Td (or ) Tj ET Q q 0 0 0 rg BT 220.24 472.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 266.43 472.10 Td (market ) Tj ET Q q 0 0 0 rg BT 297.07 472.10 Td (price ) Tj ET Q q 0 0 0 rg BT 319.92 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.13 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.22 472.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 384.63 472.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 404.72 472.10 Td (is ) Tj ET Q q 0 0 0 rg BT 414.27 472.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 439.91 472.10 Td (than ) Tj ET Q q 0 0 0 rg BT 460.00 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.09 472.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 511.28 472.10 Td (value ) Tj ET Q q 0 0 0 rg BT 535.81 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.01 472.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 72.45 460.10 Td (The ) Tj ET Q q 0 0 0 rg BT 90.95 460.10 Td (general ) Tj ET Q q 0 0 0 rg BT 123.33 460.10 Td (component ) Tj ET Q q 0 0 0 rg BT 170.71 460.10 Td (covers ) Tj ET Q q 0 0 0 rg BT 199.76 460.10 Td (non ) Tj ET Q q 0 0 0 rg BT 217.71 460.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 258.42 460.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 282.48 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.87 460.10 Td (is ) Tj ET Q q 0 0 0 rg BT 309.49 460.10 Td (based ) Tj ET Q q 0 0 0 rg BT 335.21 460.10 Td (on ) Tj ET Q q 0 0 0 rg BT 348.16 460.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 388.33 460.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 406.84 460.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 455.59 460.10 Td (including ) Tj ET Q q 0 0 0 rg BT 496.31 460.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 544.80 460.10 Td (peer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 71.66 448.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 107.48 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 121.64 448.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 166.35 448.10 Td (factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 430.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.49 430.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 159.54 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.04 430.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 216.86 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 230.81 430.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 250.31 430.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 276.49 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 285.45 430.10 Td (adequate. ) Tj ET Q q 0 0 0 rg BT 325.60 430.10 Td (While ) Tj ET Q q 0 0 0 rg BT 352.32 430.10 Td (management ) Tj ET Q q 0 0 0 rg BT 405.70 430.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 425.20 430.10 Td (available ) Tj ET Q q 0 0 0 rg BT 463.58 430.10 Td (information ) Tj ET Q q 0 0 0 rg BT 513.08 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.14 430.10 Td (recognize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 75.95 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.01 418.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 113.67 418.10 Td (future ) Tj ET Q q 0 0 0 rg BT 139.61 418.10 Td (additions ) Tj ET Q q 0 0 0 rg BT 178.33 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 188.16 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.44 418.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 245.03 418.10 Td (may ) Tj ET Q q 0 0 0 rg BT 264.30 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 275.80 418.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 316.72 418.10 Td (based ) Tj ET Q q 0 0 0 rg BT 341.55 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 353.60 418.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 387.87 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 397.70 418.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 438.63 418.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 484.85 418.10 Td (In ) Tj ET Q q 0 0 0 rg BT 495.24 418.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 532.57 418.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 94.54 406.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 134.91 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 146.69 406.10 Td (an ) Tj ET Q q 0 0 0 rg BT 159.57 406.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 193.56 406.10 Td (part ) Tj ET Q q 0 0 0 rg BT 212.55 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.33 406.10 Td (their ) Tj ET Q q 0 0 0 rg BT 246.10 406.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 298.98 406.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 334.91 406.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 386.12 406.10 Td (review ) Tj ET Q q 0 0 0 rg BT 416.77 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.43 406.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 476.41 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 491.52 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 512.18 406.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 542.02 406.10 Td (Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 86.12 394.10 Td (have ) Tj ET Q q 0 0 0 rg BT 106.69 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.60 394.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 158.40 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.88 394.10 Td (require ) Tj ET Q q 0 0 0 rg BT 197.89 394.10 Td (additions ) Tj ET Q q 0 0 0 rg BT 236.25 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.72 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.64 394.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 301.87 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 311.89 394.10 Td (char) Tj ET Q q 0 0 0 rg BT 328.92 394.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 349.84 394.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 358.75 394.10 Td (based ) Tj ET Q q 0 0 0 rg BT 383.22 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 394.91 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.83 394.10 Td (agencies) Tj ET Q q 0 0 0 rg BT 445.84 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.53 394.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 490.89 394.10 Td (about ) Tj ET Q q 0 0 0 rg BT 514.81 394.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (available ) Tj ET Q q 0 0 0 rg BT 88.59 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.87 382.10 Td (them ) Tj ET Q q 0 0 0 rg BT 121.36 382.10 Td (at ) Tj ET Q q 0 0 0 rg BT 131.08 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.80 382.10 Td (time ) Tj ET Q q 0 0 0 rg BT 166.07 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.90 382.10 Td (their ) Tj ET Q q 0 0 0 rg BT 197.72 382.10 Td (examination.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (Reserve for) Tj ET Q q 0 0 0 rg BT 98.96 364.10 Td ( Unfunded Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 89.29 346.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 121.90 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 137.31 346.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 178.82 346.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 237.00 346.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 275.18 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 290.59 346.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 329.32 346.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 356.95 346.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 393.46 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 414.98 346.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 449.84 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.80 346.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 497.87 346.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 530.50 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 542.58 346.10 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 107.03 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.41 334.10 Td (lend. ) Tj ET Q q 0 0 0 rg BT 139.53 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 157.67 334.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 198.04 334.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 229.50 334.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 275.96 334.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 311.88 334.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 341.69 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 359.28 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 374.08 334.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 416.67 334.10 Td (with ) Tj ET Q q 0 0 0 rg BT 437.04 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.28 334.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 476.46 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.05 334.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 534.42 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 548.68 334.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 70.66 322.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 109.10 322.10 Td (as ) Tj ET Q q 0 0 0 rg BT 120.88 322.10 Td (well ) Tj ET Q q 0 0 0 rg BT 141.54 322.10 Td (as ) Tj ET Q q 0 0 0 rg BT 153.31 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 161.20 322.10 Td (draw ) Tj ET Q q 0 0 0 rg BT 184.63 322.10 Td (down ) Tj ET Q q 0 0 0 rg BT 210.30 322.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 237.06 322.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 269.94 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.16 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.82 322.10 Td (various ) Tj ET Q q 0 0 0 rg BT 329.70 322.10 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 389.84 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 408.83 322.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 441.14 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 456.25 322.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 497.46 322.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 555.34 322.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (included ) Tj ET Q q 0 0 0 rg BT 87.13 310.10 Td (within ) Tj ET Q q 0 0 0 rg BT 115.39 310.10 Td (other ) Tj ET Q q 0 0 0 rg BT 138.63 310.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 178.54 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.02 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.94 310.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 264.94 310.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 320.42 310.10 Td (Balance ) Tj ET Q q 0 0 0 rg BT 355.31 310.10 Td (Sheets, ) Tj ET Q q 0 0 0 rg BT 386.62 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.76 310.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 438.66 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 449.14 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.05 310.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 495.62 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 510.52 310.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 546.54 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 557.56 310.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (component ) Tj ET Q q 0 0 0 rg BT 99.32 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.54 298.10 Td (other ) Tj ET Q q 0 0 0 rg BT 137.97 298.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 175.07 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 187.73 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.84 298.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 268.04 298.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 325.70 298.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 374.47 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.69 298.10 Td (Income. ) Tj ET Q q 0 0 0 rg BT 425.06 298.10 Td (See ) Tj ET Q q 0 0 0 rg BT 444.38 298.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 468.71 298.10 Td (1) Tj ET Q q 0 0 0 rg BT 473.34 298.10 Td (1: ) Tj ET Q q 0 0 0 rg BT 486.01 298.10 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 547.56 298.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Contingencies ) Tj ET Q q 0 0 0 rg BT 109.71 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 123.87 286.10 Td (further ) Tj ET Q q 0 0 0 rg BT 153.58 286.10 Td (information.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 71.48 268.10 Td (est and Fees on Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 250.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 103.23 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 116.48 250.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 140.83 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 150.75 250.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 185.08 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.77 250.10 Td (included ) Tj ET Q q 0 0 0 rg BT 240.45 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 251.47 250.10 Td (income ) Tj ET Q q 0 0 0 rg BT 284.16 250.10 Td (based ) Tj ET Q q 0 0 0 rg BT 310.17 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 323.42 250.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 371.08 250.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 393.21 250.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 425.89 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.91 250.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 475.70 250.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 512.84 250.10 Td (outstanding. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (Accrual ) Tj ET Q q 0 0 0 rg BT 83.94 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.57 238.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 126.31 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 135.27 238.10 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 188.68 238.10 Td (when ) Tj ET Q q 0 0 0 rg BT 212.64 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 232.15 238.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 272.78 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 287.28 238.10 Td (90days ) Tj ET Q q 0 0 0 rg BT 320.41 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 331.04 238.10 Td (more ) Tj ET Q q 0 0 0 rg BT 353.88 238.10 Td (past ) Tj ET Q q 0 0 0 rg BT 372.29 238.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 391.53 238.10 Td (based ) Tj ET Q q 0 0 0 rg BT 416.60 238.10 Td (on ) Tj ET Q q 0 0 0 rg BT 428.90 238.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 475.61 238.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 502.63 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 513.26 238.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 539.72 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 238.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 90.15 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.86 226.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 156.82 226.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 211.40 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.11 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.70 226.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 256.30 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 267.00 226.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 286.60 226.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 318.41 226.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 355.77 226.10 Td (uncertain. ) Tj ET Q q 0 0 0 rg BT 397.68 226.10 Td (When ) Tj ET Q q 0 0 0 rg BT 423.93 226.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 455.74 226.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 486.98 226.10 Td (is ) Tj ET Q q 0 0 0 rg BT 496.03 226.10 Td (discontinued, ) Tj ET Q q 0 0 0 rg BT 552.01 226.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 79.68 214.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 113.23 214.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 145.13 214.10 Td (is ) Tj ET Q q 0 0 0 rg BT 154.26 214.10 Td (reversed ) Tj ET Q q 0 0 0 rg BT 190.60 214.10 Td (against ) Tj ET Q q 0 0 0 rg BT 221.39 214.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 253.28 214.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 287.68 214.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 336.26 214.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 384.26 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.06 214.10 Td (income ) Tj ET Q q 0 0 0 rg BT 426.96 214.10 Td (occurs ) Tj ET Q q 0 0 0 rg BT 455.52 214.10 Td (only ) Tj ET Q q 0 0 0 rg BT 475.76 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.01 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.69 214.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 527.59 214.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.09 202.10 Td (received ) Tj ET Q q 0 0 0 rg BT 95.37 202.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 126.11 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.31 202.10 Td (management) Tj ET Q q 0 0 0 rg BT 190.18 202.10 Td (s ) Tj ET Q q 0 0 0 rg BT 196.49 202.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 243.34 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.09 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.73 202.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 323.35 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.10 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.73 202.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 391.69 202.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 423.54 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.40 202.10 Td (principal. ) Tj ET Q q 0 0 0 rg BT 480.33 202.10 Td (A) Tj ET Q q 0 0 0 rg BT 487.00 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.42 202.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 535.70 202.10 Td (loan ) 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 (restored ) Tj ET Q q 0 0 0 rg BT 84.71 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.99 190.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 126.35 190.10 Td (status ) Tj ET Q q 0 0 0 rg BT 151.63 190.10 Td (when ) Tj ET Q q 0 0 0 rg BT 175.79 190.10 Td (it ) Tj ET Q q 0 0 0 rg BT 183.84 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 193.01 190.10 Td (no ) Tj ET Q q 0 0 0 rg BT 205.51 190.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 233.56 190.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 278.27 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.21 190.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 349.91 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 360.74 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 392.68 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.61 190.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 447.66 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 456.83 190.10 Td (no ) Tj ET Q q 0 0 0 rg BT 469.33 190.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 497.37 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 507.65 190.10 Td (doubt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 172.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 93.53 172.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 140.39 172.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 161.97 172.10 Td (net ) Tj ET Q q 0 0 0 rg BT 177.16 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.47 172.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 214.22 172.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 234.41 172.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 281.28 172.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 306.76 172.10 Td (are ) Tj ET Q q 0 0 0 rg BT 321.94 172.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 358.23 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.65 172.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 418.61 172.10 Td (as ) Tj ET Q q 0 0 0 rg BT 429.92 172.10 Td (an ) Tj ET Q q 0 0 0 rg BT 442.34 172.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 489.20 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.96 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.15 172.10 Td (loan) Tj ET Q q 0 0 0 rg BT 535.15 172.10 Td (s ) Tj ET Q q 0 0 0 rg BT 542.02 172.10 Td (yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.70 160.10 Td (over ) Tj ET Q q 0 0 0 rg BT 109.97 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.69 160.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 171.61 160.10 Td (life ) Tj ET Q q 0 0 0 rg BT 187.43 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.26 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.98 160.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 235.20 160.10 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 271.03 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.74 160.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 317.68 160.10 Td (method.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 91.40 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.02 142.10 Td (Intangibles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 124.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 110.01 124.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 152.78 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.23 124.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 195.57 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.13 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.58 124.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 258.35 124.10 Td (price ) Tj ET Q q 0 0 0 rg BT 280.57 124.10 Td (over ) Tj ET Q q 0 0 0 rg BT 300.57 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.02 124.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 331.14 124.10 Td (value ) Tj ET Q q 0 0 0 rg BT 355.02 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.59 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.04 124.10 Td (net ) Tj ET Q q 0 0 0 rg BT 394.49 124.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 420.05 124.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 456.71 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 466.72 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 473.40 124.10 Td (business ) Tj ET Q q 0 0 0 rg BT 509.52 124.10 Td (combination. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 92.42 112.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 117.63 112.10 Td (are ) Tj ET Q q 0 0 0 rg BT 131.71 112.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 156.92 112.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 193.22 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.88 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.19 112.10 Td (business ) Tj ET Q q 0 0 0 rg BT 244.96 112.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 296.83 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 313.70 112.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 332.23 112.10 Td (physical ) Tj ET Q q 0 0 0 rg BT 367.44 112.10 Td (substance ) Tj ET Q q 0 0 0 rg BT 408.19 112.10 Td (but ) Tj ET Q q 0 0 0 rg BT 422.85 112.10 Td (can ) Tj ET Q q 0 0 0 rg BT 438.60 112.10 Td (be ) Tj ET Q q 0 0 0 rg BT 449.92 112.10 Td (distinguished ) Tj ET Q q 0 0 0 rg BT 505.13 112.10 Td (from ) Tj ET Q q 0 0 0 rg BT 526.45 112.10 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (because ) Tj ET Q q 0 0 0 rg BT 84.27 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.12 100.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 141.74 100.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 163.81 100.10 Td (is ) Tj ET Q q 0 0 0 rg BT 173.11 100.10 Td (capable ) Tj ET Q q 0 0 0 rg BT 206.27 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.23 100.10 Td (being ) Tj ET Q q 0 0 0 rg BT 242.08 100.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 261.37 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 272.33 100.10 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 317.72 100.10 Td (on ) Tj ET Q q 0 0 0 rg BT 330.35 100.10 Td (its ) Tj ET Q q 0 0 0 rg BT 342.42 100.10 Td (own ) Tj ET Q q 0 0 0 rg BT 362.28 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.23 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 383.64 100.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 436.26 100.10 Td (with ) Tj ET Q q 0 0 0 rg BT 456.67 100.10 Td (related ) Tj ET Q q 0 0 0 rg BT 486.50 100.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 527.72 100.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 553.68 100.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 92.25 88.10 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 135.32 88.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 161.18 88.10 Td (are ) Tj ET Q q 0 0 0 rg BT 175.91 88.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 218.42 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 230.95 88.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.92 88.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 288.77 88.10 Td (or ) Tj ET Q q 0 0 0 rg BT 299.63 88.10 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 347.11 88.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 369.64 88.10 Td (over ) Tj ET Q q 0 0 0 rg BT 389.94 88.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 430.79 88.10 Td (lives. ) Tj ET Q q 0 0 0 rg BT 454.71 88.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 495.01 88.10 Td (is ) Tj ET Q q 0 0 0 rg BT 504.21 88.10 Td (not ) Tj ET Q q 0 0 0 rg BT 519.52 88.10 Td (amortized. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 89.69 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.03 76.10 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 153.48 76.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 195.38 76.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 220.62 76.10 Td (are ) Tj ET Q q 0 0 0 rg BT 234.73 76.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 274.95 76.10 Td (for ) Tj ET Q q 0 0 0 rg BT 288.52 76.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 336.52 76.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 372.87 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 383.10 76.10 Td (whenever ) Tj ET Q q 0 0 0 rg BT 423.88 76.10 Td (events ) Tj ET Q q 0 0 0 rg BT 451.33 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 461.57 76.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 495.69 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 505.38 76.10 Td (circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 83.77 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.11 64.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 133.54 64.10 Td (value ) Tj ET Q q 0 0 0 rg BT 157.31 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.76 64.10 Td (these ) Tj ET Q q 0 0 0 rg BT 190.43 64.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 215.88 64.10 Td (may ) Tj ET Q q 0 0 0 rg BT 235.21 64.10 Td (not ) Tj ET Q q 0 0 0 rg BT 250.11 64.10 Td (be ) Tj ET Q q 0 0 0 rg BT 261.67 64.10 Td (recoverable. ) Tj ET Q q 0 0 0 rg BT 312.77 64.10 Td (When ) Tj ET Q q 0 0 0 rg BT 338.76 64.10 Td (these ) Tj ET Q q 0 0 0 rg BT 361.43 64.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 386.88 64.10 Td (are ) Tj ET Q q 0 0 0 rg BT 401.20 64.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 441.63 64.10 Td (for ) Tj ET Q q 0 0 0 rg BT 455.41 64.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 506.13 64.10 Td (if ) Tj ET Q q 0 0 0 rg BT 514.36 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.69 64.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 81.97 52.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 115.59 52.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 131.44 52.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 157.57 52.10 Td (an ) Tj ET Q q 0 0 0 rg BT 168.98 52.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 217.05 52.10 Td (char) Tj ET Q q 0 0 0 rg BT 234.08 52.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 245.49 52.10 Td (is ) Tj ET Q q 0 0 0 rg BT 254.14 52.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 291.09 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 300.84 52.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 334.60 52.10 Td (The ) Tj ET Q q 0 0 0 rg BT 352.13 52.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 367.98 52.10 Td (value ) Tj ET Q q 0 0 0 rg BT 391.61 52.10 Td (is ) Tj ET Q q 0 0 0 rg BT 400.25 52.10 Td (based ) Tj ET Q q 0 0 0 rg BT 424.99 52.10 Td (on ) Tj ET Q q 0 0 0 rg BT 436.97 52.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 482.26 52.10 Td (market ) Tj ET Q q 0 0 0 rg BT 511.99 52.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 540.35 52.10 Td (when ) Tj ET Q endstream endobj 149 0 obj <> endobj 150 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (practicable. ) Tj ET Q q 0 0 0 rg BT 99.47 742.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 125.34 742.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 165.67 742.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 211.54 742.10 Td (may ) Tj ET Q q 0 0 0 rg BT 231.87 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 244.41 742.10 Td (used ) Tj ET Q q 0 0 0 rg BT 265.85 742.10 Td (when ) Tj ET Q q 0 0 0 rg BT 290.62 742.10 Td (market ) Tj ET Q q 0 0 0 rg BT 321.50 742.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 348.48 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 363.80 742.10 Td (unavailable, ) Tj ET Q q 0 0 0 rg BT 415.50 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 456.38 742.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 497.81 742.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 544.24 742.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 77.23 730.10 Td (This ) Tj ET Q q 0 0 0 rg BT 97.71 730.10 Td (type ) Tj ET Q q 0 0 0 rg BT 117.63 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.66 730.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 163.58 730.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 199.61 730.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 253.40 730.10 Td (because ) Tj ET Q q 0 0 0 rg BT 287.75 730.10 Td (it ) Tj ET Q q 0 0 0 rg BT 296.01 730.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 330.92 730.10 Td (management ) Tj ET Q q 0 0 0 rg BT 384.71 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 395.19 730.10 Td (make ) Tj ET Q q 0 0 0 rg BT 419.55 730.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 471.70 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.84 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.32 730.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 524.24 730.10 Td (judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.72 718.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 94.98 718.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 129.70 718.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 170.52 718.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 199.67 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.05 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.21 718.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 279.92 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.19 718.10 Td (future ) Tj ET Q q 0 0 0 rg BT 316.01 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 351.84 718.10 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 394.05 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 404.32 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.48 718.10 Td (event ) Tj ET Q q 0 0 0 rg BT 442.08 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.35 718.10 Td (future ) Tj ET Q q 0 0 0 rg BT 478.17 718.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 512.32 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 522.04 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 537.86 718.10 Td (value, ) 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 64.72 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.10 706.10 Td (may ) Tj ET Q q 0 0 0 rg BT 125.82 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 137.76 706.10 Td (exposed ) Tj ET Q q 0 0 0 rg BT 173.03 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.31 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 195.24 706.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 243.84 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 260.87 706.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 272.81 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 290.30 706.10 Td (could ) Tj ET Q q 0 0 0 rg BT 315.02 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 326.96 706.10 Td (material.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (For) Tj ET Q q 0 0 0 rg BT 65.37 688.10 Td (eclosed Real Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 670.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 98.71 670.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 135.73 670.10 Td (through ) Tj ET Q q 0 0 0 rg BT 169.43 670.10 Td (deed ) Tj ET Q q 0 0 0 rg BT 190.90 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 201.28 670.10 Td (lieu ) Tj ET Q q 0 0 0 rg BT 218.87 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 229.79 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 249.60 670.10 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 297.18 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 311.98 670.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 345.68 670.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 383.25 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 393.06 670.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 409.54 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 433.79 670.10 Td (less ) Tj ET Q q 0 0 0 rg BT 451.38 670.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 473.98 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.35 670.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 500.83 670.10 Td (when ) Tj ET Q q 0 0 0 rg BT 525.09 670.10 Td (acquired, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 100.70 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.07 658.10 Td (new ) Tj ET Q q 0 0 0 rg BT 127.66 658.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 146.70 658.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 171.92 658.10 Td (These ) Tj ET Q q 0 0 0 rg BT 198.72 658.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 224.98 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 240.12 658.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 295.27 658.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 338.73 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 353.32 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 363.46 658.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 389.16 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.42 658.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 419.46 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 430.72 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 447.53 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 472.11 658.10 Td (less ) Tj ET Q q 0 0 0 rg BT 490.04 658.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 531.29 658.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 554.22 658.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 69.51 646.10 Td (If ) Tj ET Q q 0 0 0 rg BT 79.29 646.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 96.28 646.10 Td (value ) Tj ET Q q 0 0 0 rg BT 121.06 646.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 156.94 646.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 204.50 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.39 646.10 Td (foreclosure, ) Tj ET Q q 0 0 0 rg BT 265.99 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 273.55 646.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 313.88 646.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 357.53 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 367.32 646.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 405.41 646.10 Td (through ) Tj ET Q q 0 0 0 rg BT 439.64 646.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 477.47 646.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 520.57 646.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 543.69 646.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 96.38 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 111.09 634.10 Td (expensed.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 616.10 Td (emises and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 598.10 Td (Premises ) Tj ET Q q 0 0 0 rg BT 108.74 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.80 598.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 170.64 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 185.47 598.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 211.43 598.10 Td (at ) Tj ET Q q 0 0 0 rg BT 221.27 598.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 242.50 598.10 Td (net ) Tj ET Q q 0 0 0 rg BT 257.35 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.31 598.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 321.46 598.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 373.51 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.57 598.10 Td (amortization. ) Tj ET Q q 0 0 0 rg BT 446.24 598.10 Td (Leasehold ) Tj ET Q q 0 0 0 rg BT 489.96 598.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 549.79 598.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 95.57 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.27 586.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 154.51 586.10 Td (over ) Tj ET Q q 0 0 0 rg BT 174.55 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.03 586.10 Td (shorter ) Tj ET Q q 0 0 0 rg BT 219.06 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.65 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.13 586.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 268.61 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.20 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.68 586.10 Td (related ) Tj ET Q q 0 0 0 rg BT 323.15 586.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 349.29 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 359.88 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.36 586.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 414.95 586.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 456.08 586.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 477.23 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.82 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.30 586.10 Td (improvements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Depreciation ) Tj ET Q q 0 0 0 rg BT 103.65 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.11 574.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 172.66 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 181.34 574.10 Td (char) Tj ET Q q 0 0 0 rg BT 198.37 574.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 214.82 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.61 574.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 268.28 574.10 Td (using ) Tj ET Q q 0 0 0 rg BT 291.96 574.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.19 574.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 356.52 574.10 Td (method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.52 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 388.53 574.10 Td (over ) Tj ET Q q 0 0 0 rg BT 408.31 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.54 574.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 462.88 574.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 489.33 574.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 510.23 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.57 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 574.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.52 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 102.14 562.10 Td (range ) Tj ET Q q 0 0 0 rg BT 126.54 562.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.16 562.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.15 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.33 562.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.30 562.10 Td (thirty-nine ) Tj ET Q q 0 0 0 rg BT 224.70 562.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.79 562.10 Td (. ) Tj ET Q q 0 0 0 rg BT 250.48 562.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 276.00 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.62 562.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 318.70 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 330.89 562.10 Td (dispositions ) Tj ET Q q 0 0 0 rg BT 380.86 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 395.25 562.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 441.30 562.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 463.49 562.10 Td (realization. ) Tj ET Q q 0 0 0 rg BT 510.37 562.10 Td (Maintenance ) 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 66.94 550.10 Td (repairs ) Tj ET Q q 0 0 0 rg BT 96.65 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 111.35 550.10 Td (expensed ) Tj ET Q q 0 0 0 rg BT 151.06 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.89 550.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 197.71 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.64 550.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 274.36 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 289.06 550.10 Td (capitalized.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Impairment of Long-Lived ) Tj ET Q q 0 0 0 rg BT 166.95 532.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 514.10 Td (Long-lived ) Tj ET Q q 0 0 0 rg BT 119.43 514.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 150.25 514.10 Td (including ) Tj ET Q q 0 0 0 rg BT 193.02 514.10 Td (premises ) Tj ET Q q 0 0 0 rg BT 233.56 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.00 514.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 302.70 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 319.90 514.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 361.54 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 378.20 514.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 429.29 514.10 Td (whenever ) Tj ET Q q 0 0 0 rg BT 473.15 514.10 Td (events ) Tj ET Q q 0 0 0 rg BT 503.70 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 517.02 514.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.22 514.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 108.89 502.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 142.80 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 160.05 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.52 502.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 210.09 502.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 242.33 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.92 502.10 Td (an ) Tj ET Q q 0 0 0 rg BT 264.61 502.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 286.30 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 305.77 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 320.80 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 332.50 502.10 Td (recoverable. ) Tj ET Q q 0 0 0 rg BT 383.88 502.10 Td (If ) Tj ET Q q 0 0 0 rg BT 392.79 502.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 441.15 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 450.07 502.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 488.97 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 501.23 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 518.47 502.10 Td (review) Tj ET Q q 0 0 0 rg BT 545.03 502.10 Td (, ) 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 (asset ) Tj ET Q q 0 0 0 rg BT 71.94 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 81.11 490.10 Td (written ) Tj ET Q q 0 0 0 rg BT 111.93 490.10 Td (down ) Tj ET Q q 0 0 0 rg BT 136.66 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.93 490.10 Td (its ) Tj ET Q q 0 0 0 rg BT 158.88 490.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 199.70 490.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 216.08 490.10 Td (value ) Tj ET Q q 0 0 0 rg BT 240.23 490.10 Td (through ) Tj ET Q q 0 0 0 rg BT 273.84 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.78 490.10 Td (char) Tj ET Q q 0 0 0 rg BT 297.81 490.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 309.75 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.02 490.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 366.96 490.10 Td (expense.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (Servicing Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 454.10 Td (When ) Tj ET Q q 0 0 0 rg BT 95.46 454.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 118.15 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 131.94 454.10 Td (sold, ) Tj ET Q q 0 0 0 rg BT 152.69 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 164.27 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 170.29 454.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 208.52 454.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 242.31 454.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 266.39 454.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 304.62 454.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 328.98 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 342.77 454.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 375.46 454.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 412.02 454.10 Td (at ) Tj ET Q q 0 0 0 rg BT 420.82 454.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 436.27 454.10 Td (value ) Tj ET Q q 0 0 0 rg BT 459.51 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 478.87 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.67 454.10 Td (income ) Tj ET Q q 0 0 0 rg BT 523.68 454.10 Td (statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 442.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 74.23 442.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 110.87 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.31 442.10 Td (service ) Tj ET Q q 0 0 0 rg BT 150.28 442.10 Td (char) Tj ET Q q 0 0 0 rg BT 167.31 442.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 182.30 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.40 442.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 216.16 442.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 249.38 442.10 Td (All ) Tj ET Q q 0 0 0 rg BT 263.82 442.10 Td (classes ) Tj ET Q q 0 0 0 rg BT 293.25 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.24 442.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 341.56 442.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 366.55 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 380.42 442.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 434.29 442.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 474.27 442.10 Td (using ) Tj ET Q q 0 0 0 rg BT 497.60 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.47 442.10 Td (amortization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (method ) Tj ET Q q 0 0 0 rg BT 82.63 430.10 Td (which ) Tj ET Q q 0 0 0 rg BT 109.70 430.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 144.54 430.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 183.83 430.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 209.25 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.66 430.10 Td (be ) Tj ET Q q 0 0 0 rg BT 231.73 430.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 274.35 430.10 Td (into ) Tj ET Q q 0 0 0 rg BT 292.54 430.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 339.60 430.10 Td (income ) Tj ET Q q 0 0 0 rg BT 371.67 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 382.08 430.10 Td (proportion ) Tj ET Q q 0 0 0 rg BT 426.94 430.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 439.85 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.92 430.10 Td (over ) Tj ET Q q 0 0 0 rg BT 477.32 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.18 430.10 Td (period ) Tj ET Q q 0 0 0 rg BT 520.36 430.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 533.82 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.67 430.10 Td (life ) 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 (underlying ) Tj ET Q q 0 0 0 rg BT 121.37 418.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 400.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 111.00 400.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 136.45 400.10 Td (are ) Tj ET Q q 0 0 0 rg BT 151.33 400.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 192.32 400.10 Td (for ) Tj ET Q q 0 0 0 rg BT 206.66 400.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 255.43 400.10 Td (based ) Tj ET Q q 0 0 0 rg BT 280.87 400.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 303.55 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.44 400.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 334.99 400.10 Td (value ) Tj ET Q q 0 0 0 rg BT 359.32 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.33 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.22 400.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 410.67 400.10 Td (as ) Tj ET Q q 0 0 0 rg BT 421.67 400.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 463.77 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 474.23 400.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 510.22 400.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 544.80 400.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 98.17 388.10 Td (is ) Tj ET Q q 0 0 0 rg BT 106.91 388.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 142.29 388.10 Td (as ) Tj ET Q q 0 0 0 rg BT 152.69 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.20 388.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 198.48 388.10 Td (allowance, ) Tj ET Q q 0 0 0 rg BT 243.58 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.43 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.72 388.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 294.22 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 311.28 388.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 327.23 388.10 Td (value ) Tj ET Q q 0 0 0 rg BT 350.95 388.10 Td (is ) Tj ET Q q 0 0 0 rg BT 359.69 388.10 Td (less ) Tj ET Q q 0 0 0 rg BT 376.76 388.10 Td (than ) Tj ET Q q 0 0 0 rg BT 396.05 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.33 388.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 445.72 388.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 480.28 388.10 Td (If ) Tj ET Q q 0 0 0 rg BT 489.01 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.30 388.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 544.26 388.10 Td (later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 96.53 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.19 376.10 Td (all ) Tj ET Q q 0 0 0 rg BT 126.85 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 137.84 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.94 376.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 176.49 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.49 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.37 376.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 251.13 376.10 Td (no ) Tj ET Q q 0 0 0 rg BT 263.79 376.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 292.00 376.10 Td (exists, ) Tj ET Q q 0 0 0 rg BT 319.94 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 327.04 376.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 367.47 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.46 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.34 376.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 436.53 376.10 Td (may ) Tj ET Q q 0 0 0 rg BT 456.41 376.10 Td (be ) Tj ET Q q 0 0 0 rg BT 468.51 376.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 506.15 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 517.15 376.10 Td (an ) Tj ET Q q 0 0 0 rg BT 529.25 376.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.18 364.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 94.51 364.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 131.35 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 141.53 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.15 364.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 195.76 364.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 238.69 364.10 Td (are ) Tj ET Q q 0 0 0 rg BT 253.30 364.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 289.01 364.10 Td (with ) Tj ET Q q 0 0 0 rg BT 309.19 364.10 Td (service ) Tj ET Q q 0 0 0 rg BT 339.90 364.10 Td (char) Tj ET Q q 0 0 0 rg BT 356.93 364.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 372.66 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.50 364.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 408.00 364.10 Td (income ) Tj ET Q q 0 0 0 rg BT 439.83 364.10 Td (on ) Tj ET Q q 0 0 0 rg BT 452.23 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.85 364.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 519.79 364.10 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.54 352.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 94.53 352.10 Td (The ) Tj ET Q q 0 0 0 rg BT 112.29 352.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 128.38 352.10 Td (values ) Tj ET Q q 0 0 0 rg BT 156.15 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.69 352.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 205.56 352.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 230.55 352.10 Td (are ) Tj ET Q q 0 0 0 rg BT 244.97 352.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 275.51 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.51 352.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 334.93 352.10 Td (as ) Tj ET Q q 0 0 0 rg BT 345.48 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 352.13 352.10 Td (result ) Tj ET Q q 0 0 0 rg BT 376.56 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.11 352.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 421.53 352.10 Td (in ) Tj ET Q q 0 0 0 rg BT 431.52 352.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 472.05 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.71 352.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 514.79 352.10 Td (prepayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (speeds ) Tj ET Q q 0 0 0 rg BT 79.16 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 96.10 340.10 Td (default ) Tj ET Q q 0 0 0 rg BT 126.36 340.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 147.74 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.68 340.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 322.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 96.94 322.10 Td (serviced ) Tj ET Q q 0 0 0 rg BT 132.75 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 146.91 322.10 Td (others ) Tj ET Q q 0 0 0 rg BT 173.85 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 188.56 322.10 Td (not ) Tj ET Q q 0 0 0 rg BT 203.84 322.10 Td (included ) Tj ET Q q 0 0 0 rg BT 240.77 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 251.05 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.77 322.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 326.58 322.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 379.62 322.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 412.65 322.10 Td (sheets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 304.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 110.67 304.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 125.21 304.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 159.49 304.10 Td (which ) Tj ET Q q 0 0 0 rg BT 186.27 304.10 Td (is ) Tj ET Q q 0 0 0 rg BT 195.28 304.10 Td (included ) Tj ET Q q 0 0 0 rg BT 232.06 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 242.18 304.10 Td (service ) Tj ET Q q 0 0 0 rg BT 272.83 304.10 Td (char) Tj ET Q q 0 0 0 rg BT 289.86 304.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 305.53 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.31 304.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 340.75 304.10 Td (on ) Tj ET Q q 0 0 0 rg BT 353.09 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.65 304.10 Td (income ) Tj ET Q q 0 0 0 rg BT 399.42 304.10 Td (statement, ) Tj ET Q q 0 0 0 rg BT 442.59 304.10 Td (is ) Tj ET Q q 0 0 0 rg BT 451.60 304.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 488.91 304.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.92 304.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 521.35 304.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 550.34 304.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.12 292.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 115.20 292.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 136.00 292.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 165.11 292.10 Td (for ) Tj ET Q q 0 0 0 rg BT 179.24 292.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 218.36 292.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 241.93 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 256.61 292.10 Td (based ) Tj ET Q q 0 0 0 rg BT 281.84 292.10 Td (on ) Tj ET Q q 0 0 0 rg BT 294.31 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 301.22 292.10 Td (contractualpercentage ) Tj ET Q q 0 0 0 rg BT 393.90 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.70 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.39 292.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 468.52 292.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 506.53 292.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 538.99 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 292.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.53 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 86.28 280.10 Td (are ) Tj ET Q q 0 0 0 rg BT 100.80 280.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 138.09 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 148.74 280.10 Td (income ) Tj ET Q q 0 0 0 rg BT 180.48 280.10 Td (when ) Tj ET Q q 0 0 0 rg BT 204.46 280.10 Td (earned. ) Tj ET Q q 0 0 0 rg BT 235.75 280.10 Td (The ) Tj ET Q q 0 0 0 rg BT 253.61 280.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 306.46 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.10 280.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 356.07 280.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 381.16 280.10 Td (is ) Tj ET Q q 0 0 0 rg BT 390.15 280.10 Td (netted ) Tj ET Q q 0 0 0 rg BT 416.89 280.10 Td (against ) Tj ET Q q 0 0 0 rg BT 447.53 280.10 Td (income ) Tj ET Q q 0 0 0 rg BT 479.28 280.10 Td (from ) Tj ET Q q 0 0 0 rg BT 501.03 280.10 Td (service ) Tj ET Q q 0 0 0 rg BT 531.66 280.10 Td (char) Tj ET Q q 0 0 0 rg BT 548.69 280.10 Td (ges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 268.10 Td (fees.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.98 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 89.73 250.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.91 232.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 131.16 232.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 177.27 232.10 Td (income ) Tj ET Q q 0 0 0 rg BT 210.07 232.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 233.98 232.10 Td (under ) Tj ET Q q 0 0 0 rg BT 260.11 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.69 232.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 298.49 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.29 232.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 350.76 232.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 386.61 232.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 414.97 232.10 Td (this ) Tj ET Q q 0 0 0 rg BT 432.78 232.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 468.63 232.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 505.30 232.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 520.88 232.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.57 232.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 90.82 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 106.63 220.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 154.10 220.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.37 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.19 220.10 Td (future ) Tj ET Q q 0 0 0 rg BT 212.67 220.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 228.49 220.10 Td (consequences ) Tj ET Q q 0 0 0 rg BT 287.07 220.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 336.21 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.60 220.10 Td (dif) Tj ET Q q 0 0 0 rg BT 358.53 220.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 395.44 220.10 Td (between ) Tj ET Q q 0 0 0 rg BT 432.36 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.18 220.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 486.76 220.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 528.69 220.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 87.14 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 98.72 208.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 133.64 208.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 160.22 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.91 208.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 218.38 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.07 208.10 Td (their ) Tj ET Q q 0 0 0 rg BT 257.65 208.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 301.43 208.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 316.90 208.10 Td (bases. ) Tj ET Q q 0 0 0 rg BT 344.31 208.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 383.09 208.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 398.56 208.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 425.14 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.83 208.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 483.30 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 498.76 208.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 540.33 208.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (enacted ) Tj ET Q q 0 0 0 rg BT 82.14 196.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 95.96 196.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 116.45 196.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 153.59 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.98 196.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 186.80 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.19 196.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 226.67 196.10 Td (income ) Tj ET Q q 0 0 0 rg BT 257.71 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.09 196.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 304.52 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 313.90 196.10 Td (which ) Tj ET Q q 0 0 0 rg BT 339.95 196.10 Td (those ) Tj ET Q q 0 0 0 rg BT 362.67 196.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 405.37 196.10 Td (dif) Tj ET Q q 0 0 0 rg BT 416.30 196.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 451.21 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 465.02 196.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 502.17 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.55 196.10 Td (be ) Tj ET Q q 0 0 0 rg BT 522.60 196.10 Td (recovered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.21 184.10 Td (settled. ) Tj ET Q q 0 0 0 rg BT 90.55 184.10 Td (The ) Tj ET Q q 0 0 0 rg BT 107.97 184.10 Td (ef) Tj ET Q q 0 0 0 rg BT 115.56 184.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 132.42 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 144.30 184.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 179.48 184.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 193.58 184.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 218.78 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.10 184.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 274.19 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.40 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.71 184.10 Td (change ) Tj ET Q q 0 0 0 rg BT 320.90 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.56 184.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 344.65 184.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 365.41 184.10 Td (is ) Tj ET Q q 0 0 0 rg BT 373.95 184.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 419.69 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 429.35 184.10 Td (income ) Tj ET Q q 0 0 0 rg BT 460.66 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.31 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.40 184.10 Td (period ) Tj ET Q q 0 0 0 rg BT 511.83 184.10 Td (that ) Tj ET Q q 0 0 0 rg BT 528.70 184.10 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.20 172.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 109.28 172.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 131.42 172.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 169.93 172.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 185.13 172.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 211.44 172.10 Td (are ) Tj ET Q q 0 0 0 rg BT 226.64 172.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 261.27 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 274.25 172.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.67 172.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 321.87 172.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 365.39 172.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 392.53 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.30 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.50 172.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 452.04 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.35 172.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 519.93 172.10 Td (it ) Tj ET Q q 0 0 0 rg BT 528.47 172.10 Td (is ) Tj ET Q q 0 0 0 rg BT 538.13 172.10 Td (more-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (likely-than-not ) Tj ET Q q 0 0 0 rg BT 111.93 160.10 Td (that ) Tj ET Q q 0 0 0 rg BT 129.42 160.10 Td (all ) Tj ET Q q 0 0 0 rg BT 141.92 160.10 Td (or ) Tj ET Q q 0 0 0 rg BT 152.75 160.10 Td (some ) Tj ET Q q 0 0 0 rg BT 176.36 160.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 207.74 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.57 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.29 160.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 269.10 160.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 283.81 160.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 309.64 160.10 Td (will ) Tj ET Q q 0 0 0 rg BT 327.70 160.10 Td (not ) Tj ET Q q 0 0 0 rg BT 342.98 160.10 Td (be ) Tj ET Q q 0 0 0 rg BT 354.92 160.10 Td (realized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 142.10 Td (In ) Tj ET Q q 0 0 0 rg BT 80.86 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.60 142.10 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 132.00 142.10 Td (course ) Tj ET Q q 0 0 0 rg BT 160.63 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.49 142.10 Td (business ) Tj ET Q q 0 0 0 rg BT 207.91 142.10 Td (there ) Tj ET Q q 0 0 0 rg BT 230.42 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 239.61 142.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 274.90 142.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 322.41 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 332.72 142.10 Td (quantifying ) Tj ET Q q 0 0 0 rg BT 381.35 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.09 142.10 Td (Company) Tj ET Q q 0 0 0 rg BT 437.76 142.10 Td (s ) Tj ET Q q 0 0 0 rg BT 444.17 142.10 Td (income ) Tj ET Q q 0 0 0 rg BT 476.14 142.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 490.88 142.10 Td (positions. ) Tj ET Q q 0 0 0 rg BT 532.02 142.10 Td (Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.75 130.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 103.39 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.36 130.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 157.87 130.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 172.61 130.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 206.80 130.10 Td (assessed ) Tj ET Q q 0 0 0 rg BT 243.21 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 257.40 130.10 Td (allyears ) Tj ET Q q 0 0 0 rg BT 293.52 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 308.26 130.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 339.11 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.42 130.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 401.38 130.10 Td (based ) Tj ET Q q 0 0 0 rg BT 426.67 130.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 449.20 130.10 Td (management) Tj ET Q q 0 0 0 rg BT 503.07 130.10 Td (s ) Tj ET Q q 0 0 0 rg BT 509.49 130.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 553.67 130.10 Td (of ) 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 64.75 118.10 Td (facts, ) Tj ET Q q 0 0 0 rg BT 88.65 118.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 150.32 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.29 118.10 Td (information ) Tj ET Q q 0 0 0 rg BT 217.03 118.10 Td (available ) Tj ET Q q 0 0 0 rg BT 255.65 118.10 Td (at ) Tj ET Q q 0 0 0 rg BT 265.40 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.14 118.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 319.33 118.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 341.01 118.10 Td (For ) Tj ET Q q 0 0 0 rg BT 357.43 118.10 Td (those ) Tj ET Q q 0 0 0 rg BT 381.07 118.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 395.82 118.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 434.46 118.10 Td (where ) Tj ET Q q 0 0 0 rg BT 461.42 118.10 Td (it ) Tj ET Q q 0 0 0 rg BT 469.51 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 478.71 118.10 Td (more-likely-than-not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.64 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 74.72 106.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 89.59 106.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 120.00 106.10 Td (will ) Tj ET Q q 0 0 0 rg BT 138.20 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 150.28 106.10 Td (sustained, ) Tj ET Q q 0 0 0 rg BT 192.64 106.10 Td (we ) Tj ET Q q 0 0 0 rg BT 206.95 106.10 Td (have ) Tj ET Q q 0 0 0 rg BT 228.47 106.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 276.10 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.96 106.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 323.60 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.58 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.44 106.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 364.30 106.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 394.71 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.13 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 417.22 106.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 463.73 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 476.37 106.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 520.68 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.54 106.10 Td (lar) Tj ET Q q 0 0 0 rg BT 545.91 106.10 Td (gest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.88 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.10 94.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 109.20 94.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 139.85 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 157.73 94.10 Td (has ) Tj ET Q q 0 0 0 rg BT 173.95 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 181.27 94.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 211.91 94.10 Td (than ) Tj ET Q q 0 0 0 rg BT 232.01 94.10 Td (50% ) Tj ET Q q 0 0 0 rg BT 253.23 94.10 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 296.67 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.88 94.10 Td (being ) Tj ET Q q 0 0 0 rg BT 332.98 94.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 367.51 94.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 390.40 94.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 426.05 94.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 470.03 94.10 Td (with ) Tj ET Q q 0 0 0 rg BT 490.70 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 498.02 94.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 525.90 94.10 Td (authority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.82 82.10 Td (has ) Tj ET Q q 0 0 0 rg BT 83.98 82.10 Td (full ) Tj ET Q q 0 0 0 rg BT 100.70 82.10 Td (knowledge ) Tj ET Q q 0 0 0 rg BT 147.40 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.56 82.10 Td (all ) Tj ET Q q 0 0 0 rg BT 171.39 82.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 206.42 82.10 Td (information. ) Tj ET Q q 0 0 0 rg BT 258.75 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 277.13 82.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 308.84 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.00 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.05 82.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 369.53 82.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 413.45 82.10 Td (with ) Tj ET Q q 0 0 0 rg BT 434.06 82.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 449.11 82.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 488.05 82.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 512.54 82.10 Td (that ) Tj ET Q q 0 0 0 rg BT 530.36 82.10 Td (exceeds ) 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 64.38 70.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 96.54 70.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 137.01 70.10 Td (as ) Tj ET Q q 0 0 0 rg BT 147.51 70.10 Td (described ) Tj ET Q q 0 0 0 rg BT 187.98 70.10 Td (above ) Tj ET Q q 0 0 0 rg BT 214.02 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 222.85 70.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 259.99 70.10 Td (as ) Tj ET Q q 0 0 0 rg BT 270.48 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 277.08 70.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 310.35 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 324.17 70.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 380.20 70.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 394.58 70.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 428.39 70.10 Td (along ) Tj ET Q q 0 0 0 rg BT 452.77 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 472.71 70.10 Td (any ) Tj ET Q q 0 0 0 rg BT 489.31 70.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 532.57 70.10 Td (interest ) 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 65.92 58.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 102.93 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 119.41 58.10 Td (would ) Tj ET Q q 0 0 0 rg BT 145.88 58.10 Td (be ) Tj ET Q q 0 0 0 rg BT 156.80 58.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 189.37 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.63 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.32 58.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 238.79 58.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 282.48 58.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 303.96 58.10 Td (examination. ) Tj ET Q q 0 0 0 rg BT 357.26 58.10 Td (The ) Tj ET Q q 0 0 0 rg BT 374.28 58.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 414.64 58.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.45 58.10 Td ($193 ) Tj ET Q q 0 0 0 rg BT 450.93 58.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.04 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 488.51 58.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.43 58.10 Td ($393 ) Tj ET Q q 0 0 0 rg BT 525.91 58.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.07 46.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 101.03 46.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.43 46.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 155.38 46.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 170.33 46.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 209.19 46.10 Td (at ) Tj ET Q q 0 0 0 rg BT 219.15 46.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 277.98 46.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 300.72 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.90 46.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 343.14 46.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 390.80 46.10 Td (. ) Tj ET Q q 0 0 0 rg BT 395.85 46.10 Td (Where ) Tj ET Q q 0 0 0 rg BT 425.23 46.10 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 471.56 46.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 515.40 46.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.58 46.10 Td (and ) Tj ET Q endstream endobj 151 0 obj <> endobj 152 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 86.87 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 107.08 742.10 Td (also ) Tj ET Q q 0 0 0 rg BT 124.52 742.10 Td (been ) Tj ET Q q 0 0 0 rg BT 144.73 742.10 Td (recognized. ) Tj ET Q q 0 0 0 rg BT 192.33 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 200.97 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 206.74 742.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 246.93 742.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 279.35 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 310.11 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.88 742.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 362.76 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 391.29 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.40 742.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 455.60 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 469.15 742.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 502.13 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 511.80 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 517.57 742.10 Td (component ) 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 60.83 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 92.76 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 107.48 730.10 Td (expense.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Stock Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.88 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.09 694.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 168.63 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.40 694.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 230.48 694.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 288.35 694.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 306.79 694.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 339.66 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.77 694.10 Td (share-based ) Tj ET Q q 0 0 0 rg BT 399.29 694.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 436.05 694.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 486.15 694.10 Td (based ) Tj ET Q q 0 0 0 rg BT 511.25 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 523.57 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.12 694.10 Td (grant-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (date ) Tj ET Q q 0 0 0 rg BT 69.27 682.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 85.76 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 110.03 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.97 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.80 682.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 163.41 682.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 212.69 682.10 Td (issued. ) Tj ET Q q 0 0 0 rg BT 242.62 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 260.78 682.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 277.27 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 301.54 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 312.48 682.10 Td (time-based ) Tj ET Q q 0 0 0 rg BT 358.97 682.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 398.78 682.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 422.50 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 431.79 682.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 469.38 682.10 Td (based ) Tj ET Q q 0 0 0 rg BT 494.76 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 507.37 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.20 682.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 545.36 682.10 Td (date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.84 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 91.46 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.76 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.94 670.10 Td (Company) Tj ET Q q 0 0 0 rg BT 159.61 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 166.47 670.10 Td (common ) Tj ET Q q 0 0 0 rg BT 204.43 670.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 230.79 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 249.30 670.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 266.15 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 290.77 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.06 670.10 Td (market-based ) Tj ET Q q 0 0 0 rg BT 358.89 670.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 399.06 670.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 423.14 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 432.77 670.10 Td (based ) Tj ET Q q 0 0 0 rg BT 458.51 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 471.47 670.10 Td (values ) Tj ET Q q 0 0 0 rg BT 499.99 670.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 532.94 670.10 Td (using ) Tj ET Q q 0 0 0 rg BT 557.57 670.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Monte ) Tj ET Q q 0 0 0 rg BT 78.77 658.10 Td (Carlo ) Tj ET Q q 0 0 0 rg BT 103.64 658.10 Td (based ) Tj ET Q q 0 0 0 rg BT 129.07 658.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 160.05 658.10 Td (model. ) Tj ET Q q 0 0 0 rg BT 190.02 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 208.22 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 224.76 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 249.07 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.06 658.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 283.83 658.10 Td (options ) Tj ET Q q 0 0 0 rg BT 315.93 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 325.26 658.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 372.90 658.10 Td (using ) Tj ET Q q 0 0 0 rg BT 397.23 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.11 658.10 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 472.53 658.10 Td (Option ) Tj ET Q q 0 0 0 rg BT 502.96 658.10 Td (Pricing ) Tj ET Q q 0 0 0 rg BT 534.51 658.10 Td (model. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 101.49 646.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 159.64 646.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 182.25 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 197.06 646.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 243.53 646.10 Td (over ) Tj ET Q q 0 0 0 rg BT 263.91 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.74 646.10 Td (requisite ) Tj ET Q q 0 0 0 rg BT 315.78 646.10 Td (service ) Tj ET Q q 0 0 0 rg BT 346.70 646.10 Td (period ) Tj ET Q q 0 0 0 rg BT 374.86 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 389.13 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.95 646.10 Td (awards. ) Tj ET Q q 0 0 0 rg BT 437.38 646.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 497.76 646.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 532.58 646.10 Td (reflects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.58 634.10 Td (number ) Tj ET Q q 0 0 0 rg BT 97.48 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.17 634.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 138.85 634.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 176.75 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.88 634.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 205.35 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.15 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 231.18 634.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 266.87 634.10 Td (based ) Tj ET Q q 0 0 0 rg BT 291.99 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 304.35 634.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 335.03 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 352.39 634.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 395.30 634.10 Td (vest. ) Tj ET Q q 0 0 0 rg BT 416.09 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 434.00 634.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 475.25 634.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 520.36 634.10 Td (forfeitures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 622.10 Td (they ) Tj ET Q q 0 0 0 rg BT 80.55 622.10 Td (occur) Tj ET Q q 0 0 0 rg BT 102.20 622.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Earnings Per) Tj ET Q q 0 0 0 rg BT 106.21 604.10 Td ( Shar) Tj ET Q q 0 0 0 rg BT 129.09 604.10 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 586.10 Td (Unvested ) Tj ET Q q 0 0 0 rg BT 109.58 586.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 148.59 586.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 171.51 586.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 201.65 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 218.45 586.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 249.70 586.10 Td (non-forfeitable ) Tj ET Q q 0 0 0 rg BT 311.48 586.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 336.07 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.66 586.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 388.86 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 402.88 586.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 455.22 586.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 497.30 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.55 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.57 586.10 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.28 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.01 574.10 Td (computation ) Tj ET Q q 0 0 0 rg BT 124.50 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.34 574.10 Td (EPS ) Tj ET Q q 0 0 0 rg BT 153.08 574.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 189.02 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.31 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.03 574.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 251.31 574.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 285.20 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 302.25 574.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 341.53 574.10 Td (method ) Tj ET Q q 0 0 0 rg BT 373.03 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.20 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 392.15 574.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 427.53 574.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 468.47 574.10 Td (formula ) Tj ET Q q 0 0 0 rg BT 501.63 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 518.13 574.10 Td (determines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (EPS ) Tj ET Q q 0 0 0 rg BT 69.22 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 82.87 562.10 Td (each ) Tj ET Q q 0 0 0 rg BT 103.18 562.10 Td (class ) Tj ET Q q 0 0 0 rg BT 124.61 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.93 562.10 Td (common ) Tj ET Q q 0 0 0 rg BT 171.92 562.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 195.02 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.45 562.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 263.98 562.10 Td (security ) Tj ET Q q 0 0 0 rg BT 297.62 562.10 Td (according ) Tj ET Q q 0 0 0 rg BT 339.04 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.81 562.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 389.68 562.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 425.54 562.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 439.19 562.10 Td (accumulated\) ) Tj ET Q q 0 0 0 rg BT 495.04 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.47 562.10 Td (participation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 75.28 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.56 550.10 Td (undistributed ) Tj ET Q q 0 0 0 rg BT 140.83 550.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 179.53 550.10 Td (The ) Tj ET Q q 0 0 0 rg BT 197.57 550.10 Td (Company) Tj ET Q q 0 0 0 rg BT 239.24 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 245.63 550.10 Td (unvested ) Tj ET Q q 0 0 0 rg BT 283.68 550.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 323.38 550.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 346.99 550.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 377.81 550.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 408.63 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 419.46 550.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 472.50 550.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 532.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 86.61 532.10 Td (income ) Tj ET Q q 0 0 0 rg BT 118.21 532.10 Td (is ) Tj ET Q q 0 0 0 rg BT 127.05 532.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 165.30 532.10 Td (between ) Tj ET Q q 0 0 0 rg BT 200.79 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.17 532.10 Td (common ) Tj ET Q q 0 0 0 rg BT 252.33 532.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 275.61 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.22 532.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 344.92 532.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 384.85 532.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 421.46 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.41 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.79 532.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 485.73 532.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 520.39 532.10 Td (Basic ) Tj ET Q q 0 0 0 rg BT 544.78 532.10 Td (EPS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (is ) Tj ET Q q 0 0 0 rg BT 60.36 520.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 103.48 520.10 Td (by ) Tj ET Q q 0 0 0 rg BT 117.17 520.10 Td (dividing ) Tj ET Q q 0 0 0 rg BT 154.19 520.10 Td (net ) Tj ET Q q 0 0 0 rg BT 170.10 520.10 Td (income ) Tj ET Q q 0 0 0 rg BT 203.22 520.10 Td (available ) Tj ET Q q 0 0 0 rg BT 242.99 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.46 520.10 Td (common ) Tj ET Q q 0 0 0 rg BT 293.14 520.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 347.37 520.10 Td (by ) Tj ET Q q 0 0 0 rg BT 361.06 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.96 520.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 417.30 520.10 Td (average ) Tj ET Q q 0 0 0 rg BT 452.08 520.10 Td (number ) Tj ET Q q 0 0 0 rg BT 486.31 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.33 520.10 Td (common ) Tj ET Q q 0 0 0 rg BT 537.01 520.10 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.17 508.10 Td (during ) Tj ET Q q 0 0 0 rg BT 127.77 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.49 508.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 173.04 508.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 214.97 508.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 268.01 508.10 Td (unvested ) Tj ET Q q 0 0 0 rg BT 306.05 508.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 345.76 508.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 369.37 508.10 Td (awards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 490.10 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 102.13 490.10 Td (EPS ) Tj ET Q q 0 0 0 rg BT 121.49 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 130.29 490.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 171.86 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.77 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.33 490.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 218.24 490.10 Td (manner) Tj ET Q q 0 0 0 rg BT 247.82 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 252.46 490.10 Td (except ) Tj ET Q q 0 0 0 rg BT 280.68 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 297.81 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.16 490.10 Td (denominator ) Tj ET Q q 0 0 0 rg BT 364.83 490.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 400.29 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.63 490.10 Td (number ) Tj ET Q q 0 0 0 rg BT 447.31 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.77 490.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 499.90 490.10 Td (common ) Tj ET Q q 0 0 0 rg BT 537.02 490.10 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 478.10 Td (would ) Tj ET Q q 0 0 0 rg BT 95.00 478.10 Td (have ) Tj ET Q q 0 0 0 rg BT 116.37 478.10 Td (been ) Tj ET Q q 0 0 0 rg BT 137.75 478.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 186.91 478.10 Td (if ) Tj ET Q q 0 0 0 rg BT 195.52 478.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 240.79 478.10 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 273.84 478.10 Td (common ) Tj ET Q q 0 0 0 rg BT 311.34 478.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 338.83 478.10 Td (were ) Tj ET Q q 0 0 0 rg BT 360.76 478.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 388.26 478.10 Td (using ) Tj ET Q q 0 0 0 rg BT 412.43 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.14 478.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 461.85 478.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 485.46 478.10 Td (method.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (Compr) Tj ET Q q 0 0 0 rg BT 80.37 460.10 Td (ehensive Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 442.10 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 135.65 442.10 Td (income ) Tj ET Q q 0 0 0 rg BT 167.97 442.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 211.40 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.50 442.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 246.06 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.27 442.10 Td (net ) Tj ET Q q 0 0 0 rg BT 272.38 442.10 Td (income ) Tj ET Q q 0 0 0 rg BT 304.70 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.02 442.10 Td (items ) Tj ET Q q 0 0 0 rg BT 346.58 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.79 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 381.23 442.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 444.65 442.10 Td (income ) Tj ET Q q 0 0 0 rg BT 476.97 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 488.19 442.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 509.13 442.10 Td (including ) Tj ET Q q 0 0 0 rg BT 549.80 442.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 94.25 430.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 117.97 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 128.91 430.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 155.41 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 168.02 430.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 208.39 430.10 Td (available ) Tj ET Q q 0 0 0 rg BT 247.09 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 261.36 430.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 279.52 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.57 430.10 Td (net ) Tj ET Q q 0 0 0 rg BT 311.39 430.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 355.64 430.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 379.36 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 390.30 430.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 416.80 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 429.41 430.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 475.90 430.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 519.04 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 533.31 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.25 430.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 71.85 418.10 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 105.39 418.10 Td (The ) Tj ET Q q 0 0 0 rg BT 124.46 418.10 Td (Company) Tj ET Q q 0 0 0 rg BT 166.13 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 173.54 418.10 Td (total ) Tj ET Q q 0 0 0 rg BT 194.84 418.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 258.89 418.10 Td (income ) Tj ET Q q 0 0 0 rg BT 291.85 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 303.70 418.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 322.79 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 337.97 418.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 377.31 418.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 404.71 418.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 464.31 418.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 490.34 418.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 513.86 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 531.82 418.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 555.34 418.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.82 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.09 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.81 406.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 166.08 406.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 212.47 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.30 406.10 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 288.56 406.10 Td (Income.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 68.14 388.10 Td ( ) Tj ET Q q 0 0 0 rg BT 70.46 388.10 Td (V) Tj ET Q q 0 0 0 rg BT 76.77 388.10 Td (alues of Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.60 370.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.54 370.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 150.81 370.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 167.75 370.10 Td (value ) Tj ET Q q 0 0 0 rg BT 192.45 370.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 252.71 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.54 370.10 Td (record ) Tj ET Q q 0 0 0 rg BT 292.13 370.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 309.06 370.10 Td (value ) Tj ET Q q 0 0 0 rg BT 333.77 370.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 384.60 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 395.43 370.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 425.68 370.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 452.07 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.56 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.39 370.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 523.42 370.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 370.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (disclosures. ) Tj ET Q q 0 0 0 rg BT 99.77 358.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 118.72 358.10 Td (value ) Tj ET Q q 0 0 0 rg BT 143.21 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 152.72 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.77 358.10 Td (price ) Tj ET Q q 0 0 0 rg BT 190.59 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 208.42 358.10 Td (would ) Tj ET Q q 0 0 0 rg BT 236.26 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 248.53 358.10 Td (received ) Tj ET Q q 0 0 0 rg BT 285.23 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.84 358.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 312.57 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 324.84 358.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 347.12 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 358.28 358.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 378.33 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.95 358.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 422.32 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 429.60 358.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 463.54 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.15 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 486.43 358.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 518.14 358.10 Td (transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (between ) Tj ET Q q 0 0 0 rg BT 85.90 346.10 Td (market ) Tj ET Q q 0 0 0 rg BT 116.25 346.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 165.49 346.10 Td (at ) Tj ET Q q 0 0 0 rg BT 175.29 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.10 346.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 246.00 346.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 267.74 346.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 286.43 346.10 Td (value ) Tj ET Q q 0 0 0 rg BT 310.67 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 319.93 346.10 Td (best ) Tj ET Q q 0 0 0 rg BT 338.63 346.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 386.19 346.10 Td (based ) Tj ET Q q 0 0 0 rg BT 411.55 346.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 434.14 346.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 463.94 346.10 Td (market ) Tj ET Q q 0 0 0 rg BT 494.29 346.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 523.25 346.10 Td (However) Tj ET Q q 0 0 0 rg BT 559.50 346.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.11 334.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 89.64 334.10 Td (instances, ) Tj ET Q q 0 0 0 rg BT 131.12 334.10 Td (there ) Tj ET Q q 0 0 0 rg BT 153.43 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 167.97 334.10 Td (no ) Tj ET Q q 0 0 0 rg BT 180.30 334.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 209.84 334.10 Td (market ) Tj ET Q q 0 0 0 rg BT 239.93 334.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 266.14 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 280.13 334.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 309.66 334.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 335.32 334.10 Td (or ) Tj ET Q q 0 0 0 rg BT 345.97 334.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 388.02 334.10 Td (In ) Tj ET Q q 0 0 0 rg BT 398.68 334.10 Td (cases ) Tj ET Q q 0 0 0 rg BT 422.10 334.10 Td (where ) Tj ET Q q 0 0 0 rg BT 448.86 334.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 478.41 334.10 Td (market ) Tj ET Q q 0 0 0 rg BT 508.50 334.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 534.70 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.24 334.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 90.88 322.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 107.06 322.10 Td (values ) Tj ET Q q 0 0 0 rg BT 134.90 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.40 322.10 Td (based ) Tj ET Q q 0 0 0 rg BT 174.46 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 186.76 322.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 226.26 322.10 Td (using ) Tj ET Q q 0 0 0 rg BT 250.23 322.10 Td (present ) Tj ET Q q 0 0 0 rg BT 281.40 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 305.35 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 315.98 322.10 Td (other ) Tj ET Q q 0 0 0 rg BT 338.82 322.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 378.33 322.10 Td (techniques. ) Tj ET Q q 0 0 0 rg BT 425.72 322.10 Td (Those ) Tj ET Q q 0 0 0 rg BT 452.45 322.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 497.51 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 512.01 322.10 Td (significantly ) 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 (fected ) Tj ET Q q 0 0 0 rg BT 85.54 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 99.07 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.81 310.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 167.78 310.10 Td (used, ) Tj ET Q q 0 0 0 rg BT 192.14 310.10 Td (including ) Tj ET Q q 0 0 0 rg BT 233.44 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.19 310.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 286.60 310.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 305.11 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.08 310.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 363.81 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.67 310.10 Td (future ) Tj ET Q q 0 0 0 rg BT 403.08 310.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 424.37 310.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 451.84 310.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 501.18 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 507.20 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.95 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 310.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 89.71 298.10 Td (may ) Tj ET Q q 0 0 0 rg BT 109.43 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 124.71 298.10 Td (be ) Tj ET Q q 0 0 0 rg BT 136.65 298.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 170.79 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.06 298.10 Td (an ) Tj ET Q q 0 0 0 rg BT 193.00 298.10 Td (immediate ) Tj ET Q q 0 0 0 rg BT 237.71 298.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 281.31 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.14 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.86 298.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 328.79 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 339.62 298.10 Td (liability) Tj ET Q q 0 0 0 rg BT 370.08 298.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 280.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 89.07 280.10 Td (value ) Tj ET Q q 0 0 0 rg BT 113.69 280.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 173.86 280.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 198.48 280.10 Td (on ) Tj ET Q q 0 0 0 rg BT 211.45 280.10 Td (exit ) Tj ET Q q 0 0 0 rg BT 229.40 280.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 256.25 280.10 Td (in ) Tj ET Q q 0 0 0 rg BT 266.99 280.10 Td (an ) Tj ET Q q 0 0 0 rg BT 279.39 280.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 311.23 280.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 358.07 280.10 Td (\(that ) Tj ET Q q 0 0 0 rg BT 379.36 280.10 Td (is, ) Tj ET Q q 0 0 0 rg BT 391.49 280.10 Td (not ) Tj ET Q q 0 0 0 rg BT 407.23 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 414.63 280.10 Td (forced ) Tj ET Q q 0 0 0 rg BT 443.13 280.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 489.43 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 500.72 280.10 Td (distressed ) Tj ET Q q 0 0 0 rg BT 543.13 280.10 Td (sale\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (between ) Tj ET Q q 0 0 0 rg BT 85.77 268.10 Td (market ) Tj ET Q q 0 0 0 rg BT 115.99 268.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 165.09 268.10 Td (at ) Tj ET Q q 0 0 0 rg BT 174.76 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.43 268.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 245.20 268.10 Td (date ) Tj ET Q q 0 0 0 rg BT 264.30 268.10 Td (under ) Tj ET Q q 0 0 0 rg BT 289.53 268.10 Td (current ) Tj ET Q q 0 0 0 rg BT 320.30 268.10 Td (market ) Tj ET Q q 0 0 0 rg BT 350.51 268.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 397.13 268.10 Td (If ) Tj ET Q q 0 0 0 rg BT 406.25 268.10 Td (there ) Tj ET Q q 0 0 0 rg BT 428.68 268.10 Td (has ) Tj ET Q q 0 0 0 rg BT 444.47 268.10 Td (been ) Tj ET Q q 0 0 0 rg BT 465.80 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 472.69 268.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 517.36 268.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 554.22 268.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.07 256.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 95.93 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.22 256.10 Td (level ) Tj ET Q q 0 0 0 rg BT 133.52 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.70 256.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 175.55 256.10 Td (for ) Tj ET Q q 0 0 0 rg BT 189.07 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.14 256.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 224.44 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 234.63 256.10 Td (liability) Tj ET Q q 0 0 0 rg BT 265.09 256.10 Td (, ) Tj ET Q q 0 0 0 rg BT 269.45 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.74 256.10 Td (change ) Tj ET Q q 0 0 0 rg BT 305.92 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 315.55 256.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 354.62 256.10 Td (technique ) Tj ET Q q 0 0 0 rg BT 395.35 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 405.54 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.61 256.10 Td (use ) Tj ET Q q 0 0 0 rg BT 434.80 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.99 256.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 480.18 256.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 519.25 256.10 Td (techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (may ) Tj ET Q q 0 0 0 rg BT 68.76 244.10 Td (be ) Tj ET Q q 0 0 0 rg BT 79.74 244.10 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 129.31 244.10 Td (In ) Tj ET Q q 0 0 0 rg BT 139.18 244.10 Td (such ) Tj ET Q q 0 0 0 rg BT 159.05 244.10 Td (instances, ) Tj ET Q q 0 0 0 rg BT 199.75 244.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 249.61 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.36 244.10 Td (price ) Tj ET Q q 0 0 0 rg BT 284.89 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 293.65 244.10 Td (which ) Tj ET Q q 0 0 0 rg BT 319.63 244.10 Td (willing ) Tj ET Q q 0 0 0 rg BT 349.50 244.10 Td (market ) Tj ET Q q 0 0 0 rg BT 378.81 244.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 427.00 244.10 Td (would ) Tj ET Q q 0 0 0 rg BT 453.54 244.10 Td (transact ) Tj ET Q q 0 0 0 rg BT 486.17 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 494.93 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.69 244.10 Td (measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (date ) Tj ET Q q 0 0 0 rg BT 69.16 232.10 Td (under ) Tj ET Q q 0 0 0 rg BT 94.42 232.10 Td (current ) Tj ET Q q 0 0 0 rg BT 125.24 232.10 Td (market ) Tj ET Q q 0 0 0 rg BT 155.50 232.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 199.67 232.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 234.94 232.10 Td (on ) Tj ET Q q 0 0 0 rg BT 247.44 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.15 232.10 Td (facts ) Tj ET Q q 0 0 0 rg BT 283.53 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.47 232.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 359.61 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.55 232.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 411.25 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.97 232.10 Td (use ) Tj ET Q q 0 0 0 rg BT 441.80 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.63 232.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 497.34 232.10 Td (judgment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 214.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.72 214.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 144.46 214.10 Td (its ) Tj ET Q q 0 0 0 rg BT 156.43 214.10 Td (best ) Tj ET Q q 0 0 0 rg BT 175.05 214.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 215.35 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.64 214.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 269.82 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.56 214.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 300.95 214.10 Td (value ) Tj ET Q q 0 0 0 rg BT 325.13 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.98 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.71 214.10 Td (Company) Tj ET Q q 0 0 0 rg BT 392.38 214.10 Td (s ) Tj ET Q q 0 0 0 rg BT 398.79 214.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 436.29 214.10 Td (instruments; ) Tj ET Q q 0 0 0 rg BT 488.25 214.10 Td (however) Tj ET Q q 0 0 0 rg BT 522.28 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 527.29 214.10 Td (there ) Tj ET Q q 0 0 0 rg BT 549.80 214.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 85.72 202.10 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 135.33 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.06 202.10 Td (any ) Tj ET Q q 0 0 0 rg BT 163.45 202.10 Td (estimation ) Tj ET Q q 0 0 0 rg BT 208.07 202.10 Td (technique. ) Tj ET Q q 0 0 0 rg BT 252.18 202.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 297.05 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 311.67 202.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 365.18 202.10 Td (all ) Tj ET Q q 0 0 0 rg BT 378.13 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 416.06 202.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 468.18 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.35 202.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 500.19 202.10 Td (value ) Tj ET Q q 0 0 0 rg BT 524.80 202.10 Td (estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 91.27 190.10 Td (herein ) Tj ET Q q 0 0 0 rg BT 119.20 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 134.36 190.10 Td (not ) Tj ET Q q 0 0 0 rg BT 150.09 190.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 197.47 190.10 Td (indicative ) Tj ET Q q 0 0 0 rg BT 239.85 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.13 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.30 190.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 303.14 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.31 190.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 360.14 190.10 Td (could ) Tj ET Q q 0 0 0 rg BT 385.31 190.10 Td (have ) Tj ET Q q 0 0 0 rg BT 407.14 190.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 441.73 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 452.46 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.85 190.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 482.24 190.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 529.07 190.10 Td (at ) Tj ET Q q 0 0 0 rg BT 539.24 190.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.12 178.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 132.15 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.52 178.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 202.64 178.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 227.95 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 246.53 178.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 287.89 178.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 304.80 178.10 Td (value ) Tj ET Q q 0 0 0 rg BT 329.49 178.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 366.41 178.10 Td (have ) Tj ET Q q 0 0 0 rg BT 388.32 178.10 Td (been ) Tj ET Q q 0 0 0 rg BT 410.23 178.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 451.58 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 462.95 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 474.31 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.57 178.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 533.13 178.10 Td (period-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (ends, ) Tj ET Q q 0 0 0 rg BT 74.54 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.68 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 115.26 166.10 Td (not ) Tj ET Q q 0 0 0 rg BT 131.74 166.10 Td (been ) Tj ET Q q 0 0 0 rg BT 154.33 166.10 Td (reevaluated ) Tj ET Q q 0 0 0 rg BT 204.11 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 216.15 166.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 251.51 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 266.87 166.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 306.13 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.16 166.10 Td (these ) Tj ET Q q 0 0 0 rg BT 342.42 166.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 396.66 166.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 435.35 166.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 481.26 166.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 529.41 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 540.89 166.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 92.59 154.10 Td (dates. ) Tj ET Q q 0 0 0 rg BT 117.24 154.10 Td (As ) Tj ET Q q 0 0 0 rg BT 130.42 154.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 153.31 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.58 154.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 207.96 154.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 223.90 154.10 Td (values ) Tj ET Q q 0 0 0 rg BT 251.51 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.90 154.10 Td (these ) Tj ET Q q 0 0 0 rg BT 284.50 154.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 321.54 154.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 370.27 154.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 416.76 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 426.60 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.88 154.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 483.47 154.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 522.19 154.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 544.79 154.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.94 142.10 Td (dif) Tj ET Q q 0 0 0 rg BT 72.87 142.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 98.68 142.10 Td (than ) Tj ET Q q 0 0 0 rg BT 118.40 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.12 142.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 169.50 142.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 205.32 142.10 Td (at ) Tj ET Q q 0 0 0 rg BT 215.03 142.10 Td (each ) Tj ET Q q 0 0 0 rg BT 235.85 142.10 Td (period-end.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Derivative Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.08 106.10 Td (ef) Tj ET Q q 0 0 0 rg BT 95.67 106.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 125.41 106.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 156.83 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.70 106.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 211.88 106.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 246.62 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 256.94 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.69 106.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 288.10 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 312.29 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.16 106.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 369.57 106.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 412.64 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 426.84 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 437.70 106.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 458.01 106.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 478.87 106.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 509.18 106.10 Td (is ) Tj ET Q q 0 0 0 rg BT 518.39 106.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 554.24 106.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.61 94.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 137.21 94.10 Td (income ) Tj ET Q q 0 0 0 rg BT 169.72 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.22 94.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 242.51 94.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 291.11 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.95 94.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 338.90 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 349.74 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.03 94.10 Td (same ) Tj ET Q q 0 0 0 rg BT 388.64 94.10 Td (period ) Tj ET Q q 0 0 0 rg BT 417.26 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 428.66 94.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 461.16 94.10 Td (during ) Tj ET Q q 0 0 0 rg BT 490.34 94.10 Td (which ) Tj ET Q q 0 0 0 rg BT 517.85 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.13 94.10 Td (hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 92.80 82.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 138.38 82.10 Td (af) Tj ET Q q 0 0 0 rg BT 145.97 82.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 166.56 82.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 204.53 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 221.79 82.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 244.61 82.10 Td (assesses ) Tj ET Q q 0 0 0 rg BT 279.09 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.02 82.10 Td (ef) Tj ET Q q 0 0 0 rg BT 300.61 82.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 346.75 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.79 82.10 Td (each ) Tj ET Q q 0 0 0 rg BT 376.82 82.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 410.75 82.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 459.67 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 471.39 82.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 515.86 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 82.10 Td (changes ) 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 60.48 70.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 80.96 70.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 105.88 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.92 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.84 70.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 174.52 70.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 209.44 70.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 254.92 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 275.40 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.32 70.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 325.23 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 335.72 70.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 356.19 70.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 381.11 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.15 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.07 70.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 452.54 70.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 484.12 70.10 Td (item ) Tj ET Q q 0 0 0 rg BT 504.60 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 515.63 70.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 564.50 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 68.13 58.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 100.15 58.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 117.71 58.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 140.85 58.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 166.76 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 181.55 58.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 222.45 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.81 58.10 Td (other ) Tj ET Q q 0 0 0 rg BT 255.94 58.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 281.86 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.88 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.68 58.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.69 58.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 363.26 58.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 386.40 58.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 426.20 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 440.99 58.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 481.88 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 492.25 58.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 525.91 58.10 Td (expenses ) 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 66.51 46.10 Td (other ) Tj ET Q q 0 0 0 rg BT 89.13 46.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 128.42 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.28 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.57 46.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 205.18 46.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 237.79 46.10 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 266.65 46.10 Td (The ) Tj ET Q q 0 0 0 rg BT 284.27 46.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 310.23 46.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 343.96 46.10 Td (converts ) Tj ET Q q 0 0 0 rg BT 379.91 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.20 46.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 411.26 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.66 46.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 453.17 46.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.24 46.10 Td (short ) Tj ET Q q 0 0 0 rg BT 487.32 46.10 Td (term ) Tj ET Q q 0 0 0 rg BT 507.72 46.10 Td (rolling ) Tj ET Q q 0 0 0 rg BT 536.46 46.10 Td (FHLB ) Tj ET Q endstream endobj 153 0 obj <> endobj 154 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 88.32 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 98.33 742.10 Td (Brokered ) Tj ET Q q 0 0 0 rg BT 137.21 742.10 Td (CDs ) Tj ET Q q 0 0 0 rg BT 156.67 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.12 742.10 Td (long ) Tj ET Q q 0 0 0 rg BT 185.57 742.10 Td (term ) Tj ET Q q 0 0 0 rg BT 205.57 742.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 227.79 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 258.90 742.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 281.95 742.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 313.61 742.10 Td (protecting ) Tj ET Q q 0 0 0 rg BT 355.83 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.72 742.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 392.50 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 413.62 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 444.73 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 461.39 742.10 Td (variability) Tj ET Q q 0 0 0 rg BT 501.84 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 505.89 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.11 742.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (does ) Tj ET Q q 0 0 0 rg BT 70.83 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 86.11 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 94.26 730.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 111.20 730.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 153.68 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 179.51 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.45 730.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 238.93 730.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 278.64 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 292.80 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 330.28 730.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 371.10 730.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 422.48 730.10 Td (purposes.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Related Party ) Tj ET Q q 0 0 0 rg BT 111.46 712.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.39 712.10 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 694.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 108.79 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.82 694.10 Td (of) Tj ET Q q 0 0 0 rg BT 132.97 694.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 156.76 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.68 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.48 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 220.95 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.98 694.10 Td (their ) Tj ET Q q 0 0 0 rg BT 256.89 694.10 Td (af) Tj ET Q q 0 0 0 rg BT 264.47 694.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 293.27 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 313.74 694.10 Td (been ) Tj ET Q q 0 0 0 rg BT 334.20 694.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 376.33 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.25 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.27 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 422.73 694.10 Td (had ) Tj ET Q q 0 0 0 rg BT 438.76 694.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 488.11 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 507.47 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.28 694.10 Td (Company) Tj ET Q q 0 0 0 rg BT 559.51 694.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.34 682.10 Td (it ) Tj ET Q q 0 0 0 rg BT 75.79 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 85.36 682.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 123.79 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 141.69 682.10 Td (such ) Tj ET Q q 0 0 0 rg BT 162.92 682.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 196.37 682.10 Td (will ) Tj ET Q q 0 0 0 rg BT 214.83 682.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 252.16 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 262.84 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 284.61 682.10 Td (such ) Tj ET Q q 0 0 0 rg BT 305.84 682.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 356.51 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.18 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.30 682.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 411.58 682.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 466.68 682.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 502.34 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 520.24 682.10 Td (all ) Tj ET Q q 0 0 0 rg BT 533.13 682.10 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 91.42 670.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 118.96 670.10 Td (services ) Tj ET Q q 0 0 0 rg BT 155.11 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.48 670.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 231.85 670.10 Td (comprising ) Tj ET Q q 0 0 0 rg BT 280.78 670.10 Td (such ) Tj ET Q q 0 0 0 rg BT 303.05 670.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 354.75 670.10 Td (were ) Tj ET Q q 0 0 0 rg BT 378.11 670.10 Td (made ) Tj ET Q q 0 0 0 rg BT 403.70 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 415.41 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.57 670.10 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 469.38 670.10 Td (course ) Tj ET Q q 0 0 0 rg BT 499.41 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.68 670.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 552.00 670.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 103.52 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.71 658.10 Td (same ) Tj ET Q q 0 0 0 rg BT 142.23 658.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 169.92 658.10 Td (including ) Tj ET Q q 0 0 0 rg BT 210.66 658.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 243.07 658.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 264.91 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.32 658.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 324.99 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 336.29 658.10 Td (those ) Tj ET Q q 0 0 0 rg BT 360.37 658.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 403.89 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 414.07 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.26 658.10 Td (time ) Tj ET Q q 0 0 0 rg BT 450.01 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.64 658.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 514.25 658.10 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.01 646.10 Td (other ) Tj ET Q q 0 0 0 rg BT 92.78 646.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 135.56 646.10 Td (who ) Tj ET Q q 0 0 0 rg BT 155.01 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 169.44 646.10 Td (not ) Tj ET Q q 0 0 0 rg BT 184.45 646.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 221.66 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 232.22 646.10 Td (of) Tj ET Q q 0 0 0 rg BT 240.37 646.10 Td (ficers. ) Tj ET Q q 0 0 0 rg BT 267.30 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 277.86 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.31 646.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 325.09 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.65 646.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 391.47 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.91 646.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 455.90 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 475.91 646.10 Td (related ) Tj ET Q q 0 0 0 rg BT 505.34 646.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 534.22 646.10 Td (did ) Tj ET Q q 0 0 0 rg BT 549.23 646.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 82.54 634.10 Td (more ) Tj ET Q q 0 0 0 rg BT 105.64 634.10 Td (than ) Tj ET Q q 0 0 0 rg BT 125.41 634.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 156.28 634.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 177.72 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.60 634.10 Td (collectability) Tj ET Q q 0 0 0 rg BT 240.15 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 245.20 634.10 Td (nor ) Tj ET Q q 0 0 0 rg BT 261.08 634.10 Td (favored ) Tj ET Q q 0 0 0 rg BT 294.17 634.10 Td (treatment ) Tj ET Q q 0 0 0 rg BT 334.47 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 345.35 634.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 372.62 634.10 Td (nor ) Tj ET Q q 0 0 0 rg BT 388.50 634.10 Td (present ) Tj ET Q q 0 0 0 rg BT 419.92 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 443.02 634.10 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 493.32 634.10 Td (features. ) Tj ET Q q 0 0 0 rg BT 530.01 634.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 552.00 634.10 Td (21 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 85.83 622.10 Td (details ) Tj ET Q q 0 0 0 rg BT 114.43 622.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 155.24 622.10 Td (related ) Tj ET Q q 0 0 0 rg BT 184.95 622.10 Td (party ) Tj ET Q q 0 0 0 rg BT 207.99 622.10 Td (transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 586.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 104.14 586.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 128.28 586.10 Td (period ) Tj ET Q q 0 0 0 rg BT 158.53 586.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 197.12 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 220.70 586.10 Td (been ) Tj ET Q q 0 0 0 rg BT 244.28 586.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 294.51 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 307.00 586.10 Td (conform ) Tj ET Q q 0 0 0 rg BT 345.58 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.06 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.98 586.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 399.68 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 439.36 586.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 482.39 586.10 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 538.12 586.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 116.04 574.10 Td (only ) Tj ET Q q 0 0 0 rg BT 135.45 574.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 170.39 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.23 574.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 222.51 574.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 264.67 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.73 574.10 Td (did ) Tj ET Q q 0 0 0 rg BT 295.13 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 309.54 574.10 Td (af) Tj ET Q q 0 0 0 rg BT 317.13 574.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 333.74 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.58 574.10 Td (results ) Tj ET Q q 0 0 0 rg BT 375.31 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.27 574.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 428.55 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 438.50 574.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 490.67 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 527.27 574.10 Td (position.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Recent accounting pr) Tj ET Q q 0 0 0 rg BT 140.92 556.10 Td (onouncements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 89.37 538.10 Td (following ) Tj ET Q q 0 0 0 rg BT 132.08 538.10 Td (section ) Tj ET Q q 0 0 0 rg BT 164.23 538.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 201.37 538.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 237.40 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.00 538.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 296.70 538.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 339.95 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.21 538.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 397.03 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 404.61 538.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 427.31 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.47 538.10 Td (new ) Tj ET Q q 0 0 0 rg BT 459.95 538.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 507.64 538.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 547.56 538.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (pronouncements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 508.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 91.16 508.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 108.16 508.10 Td (2014-09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.49 508.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 146.83 508.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 183.52 508.10 Td (fr) Tj ET Q q 0 0 0 rg BT 189.82 508.10 Td (om ) Tj ET Q q 0 0 0 rg BT 204.87 508.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 247.15 508.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.21 508.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 312.83 508.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 320.80 508.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 340.85 508.10 Td (606\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.51 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 365.14 508.10 Td (This ) Tj ET Q q 0 0 0 rg BT 385.12 508.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 407.96 508.10 Td (clarifies ) Tj ET Q q 0 0 0 rg BT 442.99 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.04 508.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 500.31 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.80 508.10 Td (recognizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 86.17 496.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.90 496.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 142.17 496.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 165.46 496.10 Td (that ) Tj ET Q q 0 0 0 rg BT 182.64 496.10 Td (an ) Tj ET Q q 0 0 0 rg BT 194.26 496.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 219.22 496.10 Td (should ) Tj ET Q q 0 0 0 rg BT 248.07 496.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 272.47 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.86 496.10 Td (following ) Tj ET Q q 0 0 0 rg BT 327.93 496.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 350.11 496.10 Td (when ) Tj ET Q q 0 0 0 rg BT 373.96 496.10 Td (recognizing ) Tj ET Q q 0 0 0 rg BT 423.34 496.10 Td (revenue: ) Tj ET Q q 0 0 0 rg BT 459.94 496.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 471.56 496.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 504.85 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.25 496.10 Td (contract\(s\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.74 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 78.14 484.10 Td (customer; ) Tj ET Q q 0 0 0 rg BT 120.53 484.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 135.71 484.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 169.78 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.96 484.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 238.44 484.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 285.84 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 296.58 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.76 484.10 Td (contract; ) Tj ET Q q 0 0 0 rg BT 349.70 484.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 367.66 484.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 410.60 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.78 484.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 472.61 484.10 Td (price; ) Tj ET Q q 0 0 0 rg BT 498.34 484.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 515.74 484.10 Td (allocate ) Tj ET Q q 0 0 0 rg BT 549.79 484.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 97.29 472.10 Td (price ) Tj ET Q q 0 0 0 rg BT 120.70 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.90 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.53 472.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 201.48 472.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 249.34 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 260.54 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.18 472.10 Td (contract; ) Tj ET Q q 0 0 0 rg BT 314.58 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.44 472.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 347.52 472.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 389.80 472.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 424.87 472.10 Td (when ) Tj ET Q q 0 0 0 rg BT 449.95 472.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 465.03 472.10 Td (as\) ) Tj ET Q q 0 0 0 rg BT 480.11 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.74 472.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 521.94 472.10 Td (satisfies ) Tj ET Q q 0 0 0 rg BT 557.58 472.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 102.27 460.10 Td (obligation. ) Tj ET Q q 0 0 0 rg BT 147.06 460.10 Td (In ) Tj ET Q q 0 0 0 rg BT 157.13 460.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 181.38 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.34 460.10 Td (F) Tj ET Q q 0 0 0 rg BT 200.16 460.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 221.35 460.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 248.10 460.10 Td (further ) Tj ET Q q 0 0 0 rg BT 277.05 460.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 341.55 460.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 379.39 460.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 419.45 460.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 452.84 460.10 Td (recognition. ) Tj ET Q q 0 0 0 rg BT 502.50 460.10 Td (This ) Tj ET Q q 0 0 0 rg BT 522.02 460.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.14 448.10 Td (included ) Tj ET Q q 0 0 0 rg BT 124.62 448.10 Td (clarification ) Tj ET Q q 0 0 0 rg BT 174.97 448.10 Td (on ) Tj ET Q q 0 0 0 rg BT 187.02 448.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.26 448.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 253.85 448.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 281.45 448.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 305.15 448.10 Td (considerations ) Tj ET Q q 0 0 0 rg BT 364.96 448.10 Td (within ) Tj ET Q q 0 0 0 rg BT 392.56 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.83 448.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 471.64 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.01 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.27 448.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 534.41 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.79 448.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (as ) Tj ET Q q 0 0 0 rg BT 62.03 436.10 Td (clarification ) Tj ET Q q 0 0 0 rg BT 114.04 436.10 Td (related ) Tj ET Q q 0 0 0 rg BT 144.94 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.42 436.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 204.00 436.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 258.22 436.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 306.37 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.50 436.10 Td (licensing. ) Tj ET Q q 0 0 0 rg BT 366.54 436.10 Td (The ) Tj ET Q q 0 0 0 rg BT 385.79 436.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 425.58 436.10 Td (also ) Tj ET Q q 0 0 0 rg BT 445.39 436.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 481.30 436.10 Td (new ) Tj ET Q q 0 0 0 rg BT 501.66 436.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 547.56 436.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 99.91 424.10 Td (disclosures, ) Tj ET Q q 0 0 0 rg BT 149.55 424.10 Td (including ) Tj ET Q q 0 0 0 rg BT 190.02 424.10 Td (disaggregation ) Tj ET Q q 0 0 0 rg BT 251.60 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.63 424.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 300.87 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.01 424.10 Td (descriptions ) Tj ET Q q 0 0 0 rg BT 369.04 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.07 424.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 433.29 424.10 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 482.74 424.10 Td (The ) Tj ET Q q 0 0 0 rg BT 500.99 424.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 539.78 424.10 Td (along ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.85 412.10 Td (its ) Tj ET Q q 0 0 0 rg BT 81.37 412.10 Td (updates ) Tj ET Q q 0 0 0 rg BT 113.98 412.10 Td (is ) Tj ET Q q 0 0 0 rg BT 122.72 412.10 Td (ef) Tj ET Q q 0 0 0 rg BT 130.31 412.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 159.58 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 173.31 412.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 197.03 412.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 222.70 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.21 412.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 270.16 412.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 301.67 412.10 Td (within ) Tj ET Q q 0 0 0 rg BT 329.29 412.10 Td (those ) Tj ET Q q 0 0 0 rg BT 352.47 412.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 376.20 412.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 401.87 412.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 443.93 412.10 Td (after ) Tj ET Q q 0 0 0 rg BT 464.31 412.10 Td (December ) Tj ET Q q 0 0 0 rg BT 507.47 412.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 522.04 412.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 546.46 412.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 400.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 125.54 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.26 400.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 178.85 400.10 Td (on ) Tj ET Q q 0 0 0 rg BT 191.35 400.10 Td (January ) Tj ET Q q 0 0 0 rg BT 224.95 400.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 234.95 400.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 257.45 400.10 Td (using ) Tj ET Q q 0 0 0 rg BT 281.62 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.34 400.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 334.94 400.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 389.08 400.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 424.08 400.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 382.10 Td (In ) Tj ET Q q 0 0 0 rg BT 80.29 382.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 123.89 382.10 Td (this ) Tj ET Q q 0 0 0 rg BT 140.30 382.10 Td (standard, ) Tj ET Q q 0 0 0 rg BT 178.63 382.10 Td (management ) Tj ET Q q 0 0 0 rg BT 231.68 382.10 Td (has ) Tj ET Q q 0 0 0 rg BT 246.97 382.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 293.90 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 310.86 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.03 382.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 360.87 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.16 382.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 404.76 382.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 433.36 382.10 Td (by ) Tj ET Q q 0 0 0 rg BT 445.32 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.49 382.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 500.34 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 508.96 382.10 Td (from ) Tj ET Q q 0 0 0 rg BT 530.36 382.10 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (streams ) Tj ET Q q 0 0 0 rg BT 83.29 370.10 Td (not ) Tj ET Q q 0 0 0 rg BT 98.81 370.10 Td (included ) Tj ET Q q 0 0 0 rg BT 135.99 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.51 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.47 370.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 186.99 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.06 370.10 Td (this ) Tj ET Q q 0 0 0 rg BT 215.25 370.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 251.88 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.06 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 283.46 370.10 Td (in-scope ) Tj ET Q q 0 0 0 rg BT 320.08 370.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 354.47 370.10 Td (streams ) Tj ET Q q 0 0 0 rg BT 387.76 370.10 Td (management ) Tj ET Q q 0 0 0 rg BT 441.60 370.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 489.32 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 507.06 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.24 370.10 Td (cumulative-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 358.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 358.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 121.46 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.73 358.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 166.45 358.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 201.15 358.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 237.53 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 248.36 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 255.30 358.10 Td (result ) Tj ET Q q 0 0 0 rg BT 280.01 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.84 358.10 Td (adopting ) Tj ET Q q 0 0 0 rg BT 328.34 358.10 Td (this ) Tj ET Q q 0 0 0 rg BT 345.29 358.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 381.67 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 390.83 358.10 Td (not ) Tj ET Q q 0 0 0 rg BT 406.11 358.10 Td (needed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 340.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.01 340.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.36 340.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 171.58 340.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 204.69 340.10 Td (from ) Tj ET Q q 0 0 0 rg BT 225.60 340.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 263.15 340.10 Td (with ) Tj ET Q q 0 0 0 rg BT 282.40 340.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 324.41 340.10 Td (when ) Tj ET Q q 0 0 0 rg BT 347.53 340.10 Td (it ) Tj ET Q q 0 0 0 rg BT 354.56 340.10 Td (satisfies ) Tj ET Q q 0 0 0 rg BT 388.24 340.10 Td (its ) Tj ET Q q 0 0 0 rg BT 399.15 340.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 451.14 340.10 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 499.44 340.10 Td (The ) Tj ET Q q 0 0 0 rg BT 516.45 340.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 340.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 102.84 328.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 149.59 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 164.12 328.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 203.63 328.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 239.27 328.10 Td (as ) Tj ET Q q 0 0 0 rg BT 249.92 328.10 Td (services ) Tj ET Q q 0 0 0 rg BT 284.44 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 298.96 328.10 Td (rendered ) Tj ET Q q 0 0 0 rg BT 336.25 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.00 328.10 Td (can ) Tj ET Q q 0 0 0 rg BT 369.19 328.10 Td (either ) Tj ET Q q 0 0 0 rg BT 394.27 328.10 Td (be ) Tj ET Q q 0 0 0 rg BT 406.03 328.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 441.67 328.10 Td (at ) Tj ET Q q 0 0 0 rg BT 451.20 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 457.95 328.10 Td (point ) Tj ET Q q 0 0 0 rg BT 480.82 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.91 328.10 Td (time ) Tj ET Q q 0 0 0 rg BT 511.00 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 521.65 328.10 Td (over ) Tj ET Q q 0 0 0 rg BT 541.73 328.10 Td (time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (Unsatisfied ) Tj ET Q q 0 0 0 rg BT 98.05 316.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 151.07 316.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 198.01 316.10 Td (at ) Tj ET Q q 0 0 0 rg BT 207.73 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.45 316.10 Td (report ) Tj ET Q q 0 0 0 rg BT 248.82 316.10 Td (date ) Tj ET Q q 0 0 0 rg BT 267.98 316.10 Td (are ) Tj ET Q q 0 0 0 rg BT 282.69 316.10 Td (not ) Tj ET Q q 0 0 0 rg BT 297.96 316.10 Td (material ) Tj ET Q q 0 0 0 rg BT 333.22 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.50 316.10 Td (our ) Tj ET Q q 0 0 0 rg BT 359.33 316.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 412.37 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 449.85 316.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 298.10 Td (For ) Tj ET Q q 0 0 0 rg BT 85.53 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.38 298.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 132.66 298.10 Td (that ) Tj ET Q q 0 0 0 rg BT 149.29 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 157.59 298.10 Td (within ) Tj ET Q q 0 0 0 rg BT 184.78 298.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 209.19 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.03 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 224.44 298.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 243.30 298.10 Td (606, ) Tj ET Q q 0 0 0 rg BT 262.43 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.28 298.10 Td (following ) Tj ET Q q 0 0 0 rg BT 316.80 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 325.11 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.18 298.10 Td (description ) Tj ET Q q 0 0 0 rg BT 377.25 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.21 298.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 424.39 298.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 462.13 298.10 Td (from ) Tj ET Q q 0 0 0 rg BT 483.20 298.10 Td (which ) Tj ET Q q 0 0 0 rg BT 509.27 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 298.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (generates ) Tj ET Q q 0 0 0 rg BT 90.25 286.10 Td (its ) Tj ET Q q 0 0 0 rg BT 102.20 286.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.35 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 158.29 286.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 196.88 286.10 Td (with ) Tj ET Q q 0 0 0 rg BT 217.16 286.10 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 268.10 Td (Revenues ) Tj ET Q q 0 0 0 rg BT 112.07 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 126.93 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.35 268.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 184.43 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.41 268.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 221.37 268.10 Td (under ) Tj ET Q q 0 0 0 rg BT 247.11 268.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.52 268.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 272.93 268.10 Td (606 ) Tj ET Q q 0 0 0 rg BT 291.13 268.10 Td (include ) Tj ET Q q 0 0 0 rg BT 323.76 268.10 Td (service ) Tj ET Q q 0 0 0 rg BT 355.27 268.10 Td (char) Tj ET Q q 0 0 0 rg BT 372.30 268.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 388.82 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.46 268.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 425.76 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.39 268.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 467.70 268.10 Td (or ) Tj ET Q q 0 0 0 rg BT 479.22 268.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 506.31 268.10 Td (on ) Tj ET Q q 0 0 0 rg BT 519.51 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.92 268.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 553.67 268.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 94.53 256.10 Td (real ) Tj ET Q q 0 0 0 rg BT 112.41 256.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 140.56 256.10 Td (Service ) Tj ET Q q 0 0 0 rg BT 173.43 256.10 Td (char) Tj ET Q q 0 0 0 rg BT 190.46 256.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 206.67 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.00 256.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 242.98 256.10 Td (include ) Tj ET Q q 0 0 0 rg BT 275.30 256.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 309.84 256.10 Td (that ) Tj ET Q q 0 0 0 rg BT 327.72 256.10 Td (is ) Tj ET Q q 0 0 0 rg BT 337.28 256.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 384.03 256.10 Td (at ) Tj ET Q q 0 0 0 rg BT 394.13 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 401.46 256.10 Td (point ) Tj ET Q q 0 0 0 rg BT 424.90 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.57 256.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 458.73 256.10 Td (including ) Tj ET Q q 0 0 0 rg BT 498.75 256.10 Td (A) Tj ET Q q 0 0 0 rg BT 504.86 256.10 Td (TM ) Tj ET Q q 0 0 0 rg BT 522.75 256.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 544.24 256.10 Td (wire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 84.52 244.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 107.11 244.10 Td (overdraft ) Tj ET Q q 0 0 0 rg BT 147.74 244.10 Td (char) Tj ET Q q 0 0 0 rg BT 164.77 244.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 178.19 244.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 200.78 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.20 244.10 Td (stop-payment ) Tj ET Q q 0 0 0 rg BT 277.62 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.05 244.10 Td (returned ) Tj ET Q q 0 0 0 rg BT 333.35 244.10 Td (check ) Tj ET Q q 0 0 0 rg BT 360.65 244.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 383.24 244.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 407.23 244.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 442.86 244.10 Td (is ) Tj ET Q q 0 0 0 rg BT 453.52 244.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 487.49 244.10 Td (from ) Tj ET Q q 0 0 0 rg BT 510.91 244.10 Td (transactional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (information ) Tj ET Q q 0 0 0 rg BT 100.27 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.76 232.10 Td (is ) Tj ET Q q 0 0 0 rg BT 127.48 232.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 174.40 232.10 Td (as ) Tj ET Q q 0 0 0 rg BT 185.78 232.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 220.48 232.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 273.52 232.10 Td (as ) Tj ET Q q 0 0 0 rg BT 284.90 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.17 232.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 350.99 232.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 376.25 232.10 Td (or ) Tj ET Q q 0 0 0 rg BT 387.63 232.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 410.68 232.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 452.62 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.89 232.10 Td (service ) Tj ET Q q 0 0 0 rg BT 499.26 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.09 232.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 549.80 232.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (customer) Tj ET Q q 0 0 0 rg BT 87.03 220.10 Td () Tj ET Q q 0 0 0 rg BT 89.80 220.10 Td (s ) Tj ET Q q 0 0 0 rg BT 97.03 220.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 146.74 220.10 Td (In ) Tj ET Q q 0 0 0 rg BT 158.41 220.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 197.02 220.10 Td (service ) Tj ET Q q 0 0 0 rg BT 228.67 220.10 Td (char) Tj ET Q q 0 0 0 rg BT 245.70 220.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 262.36 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.14 220.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 299.57 220.10 Td (include ) Tj ET Q q 0 0 0 rg BT 332.34 220.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 347.89 220.10 Td (income ) Tj ET Q q 0 0 0 rg BT 380.66 220.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 410.64 220.10 Td (on ) Tj ET Q q 0 0 0 rg BT 423.97 220.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 463.97 220.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 496.19 220.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 537.01 220.10 Td (that ) Tj ET Q q 0 0 0 rg BT 555.34 220.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 95.41 208.10 Td (over ) Tj ET Q q 0 0 0 rg BT 114.72 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.71 208.10 Td (period ) Tj ET Q q 0 0 0 rg BT 147.80 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.68 208.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 179.50 208.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 218.25 208.10 Td (monthly) Tj ET Q q 0 0 0 rg BT 250.94 208.10 Td (, ) Tj ET Q q 0 0 0 rg BT 254.98 208.10 Td (as ) Tj ET Q q 0 0 0 rg BT 264.86 208.10 Td (services ) Tj ET Q q 0 0 0 rg BT 298.61 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 312.37 208.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 355.56 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.54 208.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 423.61 208.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 469.60 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 483.36 208.10 Td (satisfied. ) Tj ET Q q 0 0 0 rg BT 520.73 208.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 559.50 208.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.38 196.10 Td (services ) Tj ET Q q 0 0 0 rg BT 108.41 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 123.45 196.10 Td (cancellable ) Tj ET Q q 0 0 0 rg BT 171.24 196.10 Td (with ) Tj ET Q q 0 0 0 rg BT 191.85 196.10 Td (little ) Tj ET Q q 0 0 0 rg BT 213.01 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.61 196.10 Td (no ) Tj ET Q q 0 0 0 rg BT 236.44 196.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 263.70 196.10 Td (needed. ) Tj ET Q q 0 0 0 rg BT 297.14 196.10 Td (The ) Tj ET Q q 0 0 0 rg BT 315.52 196.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 349.99 196.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 391.68 196.10 Td (from ) Tj ET Q q 0 0 0 rg BT 413.95 196.10 Td (service ) Tj ET Q q 0 0 0 rg BT 445.10 196.10 Td (char) Tj ET Q q 0 0 0 rg BT 462.12 196.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 478.28 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.55 196.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 514.48 196.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.52 196.10 Td ($1.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (million ) Tj ET Q q 0 0 0 rg BT 80.90 184.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.35 184.10 Td ($1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.85 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.85 184.10 Td (million ) Tj ET Q q 0 0 0 rg BT 147.75 184.10 Td (for ) Tj ET Q q 0 0 0 rg BT 161.42 184.10 Td (years ) Tj ET Q q 0 0 0 rg BT 184.53 184.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 210.42 184.10 Td (December ) Tj ET Q q 0 0 0 rg BT 253.51 184.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 268.02 184.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 290.02 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.47 184.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 330.98 184.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 378.64 184.10 Td (. ) Tj ET Q q 0 0 0 rg BT 383.15 184.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 431.81 184.10 Td (income ) Tj ET Q q 0 0 0 rg BT 463.25 184.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 509.13 184.10 Td (from ) Tj ET Q q 0 0 0 rg BT 530.57 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 184.10 Td (gain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.56 172.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 78.35 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.91 172.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 132.78 172.10 Td (real ) Tj ET Q q 0 0 0 rg BT 150.00 172.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 174.99 172.10 Td (was ) Tj ET Q q 0 0 0 rg BT 192.77 172.10 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 238.32 172.10 Td (for ) Tj ET Q q 0 0 0 rg BT 252.20 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.65 172.10 Td (year ) Tj ET Q q 0 0 0 rg BT 286.09 172.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 312.19 172.10 Td (December ) Tj ET Q q 0 0 0 rg BT 355.51 172.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 370.23 172.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 394.80 172.10 Td (There ) Tj ET Q q 0 0 0 rg BT 420.35 172.10 Td (was ) Tj ET Q q 0 0 0 rg BT 438.13 172.10 Td (no ) Tj ET Q q 0 0 0 rg BT 450.36 172.10 Td (income ) Tj ET Q q 0 0 0 rg BT 482.02 172.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 528.11 172.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.78 172.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 69.72 160.10 Td (or ) Tj ET Q q 0 0 0 rg BT 80.55 160.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 98.61 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.44 160.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 153.58 160.10 Td (real ) Tj ET Q q 0 0 0 rg BT 171.07 160.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 196.33 160.10 Td (for ) Tj ET Q q 0 0 0 rg BT 210.49 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.21 160.10 Td (year ) Tj ET Q q 0 0 0 rg BT 244.92 160.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 271.29 160.10 Td (December ) Tj ET Q q 0 0 0 rg BT 314.88 160.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 329.88 160.10 Td (2018.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 142.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 90.78 142.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 107.40 142.10 Td (2016-01, ) Tj ET Q q 0 0 0 rg BT 145.68 142.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 187.01 142.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 236.68 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.13 142.10 Td (Overall ) Tj ET Q q 0 0 0 rg BT 277.12 142.10 Td (\(Subtopic ) Tj ET Q q 0 0 0 rg BT 317.90 142.10 Td (825-10\): ) Tj ET Q q 0 0 0 rg BT 355.33 142.10 Td (Recognition ) Tj ET Q q 0 0 0 rg BT 411.67 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.11 142.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 459.29 142.10 Td (ement ) Tj ET Q q 0 0 0 rg BT 485.62 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.85 142.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 537.00 142.10 Td (Assets ) Tj ET Q BT /F3 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 68.00 130.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 109.89 130.10 Td (Liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.51 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.29 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 179.18 130.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 202.19 130.10 Td (has ) Tj ET Q q 0 0 0 rg BT 218.52 130.10 Td (been ) Tj ET Q q 0 0 0 rg BT 240.40 130.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 268.40 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.18 130.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 315.51 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.73 130.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 379.27 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.71 130.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 453.02 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.35 130.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 502.34 130.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 552.00 130.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 90.68 118.10 Td (1\) ) Tj ET Q q 0 0 0 rg BT 103.03 118.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 132.05 118.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 183.85 118.10 Td (\(except ) Tj ET Q q 0 0 0 rg BT 217.29 118.10 Td (those ) Tj ET Q q 0 0 0 rg BT 242.42 118.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 286.98 118.10 Td (for ) Tj ET Q q 0 0 0 rg BT 302.66 118.10 Td (under ) Tj ET Q q 0 0 0 rg BT 329.45 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.69 118.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 374.71 118.10 Td (method ) Tj ET Q q 0 0 0 rg BT 408.73 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.08 118.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 471.48 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 483.83 118.10 Td (those ) Tj ET Q q 0 0 0 rg BT 508.96 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 527.98 118.10 Td (result ) Tj ET Q q 0 0 0 rg BT 554.22 118.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 107.52 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.49 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.34 106.10 Td (investee\) ) Tj ET Q q 0 0 0 rg BT 175.07 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.49 106.10 Td (be ) Tj ET Q q 0 0 0 rg BT 199.57 106.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 241.52 106.10 Td (at ) Tj ET Q q 0 0 0 rg BT 252.37 106.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 269.89 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 295.18 106.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.60 106.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 352.44 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 363.86 106.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 381.37 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 406.67 106.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 454.17 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 465.58 106.10 Td (net ) Tj ET Q q 0 0 0 rg BT 481.44 106.10 Td (income; ) Tj ET Q q 0 0 0 rg BT 517.29 106.10 Td (2\) ) Tj ET Q q 0 0 0 rg BT 529.25 106.10 Td (separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 101.22 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.89 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 149.22 94.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 174.89 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.68 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 229.00 94.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 268.56 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 280.91 94.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 336.57 94.10 Td (category ) Tj ET Q q 0 0 0 rg BT 373.33 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.12 94.10 Td (form ) Tj ET Q q 0 0 0 rg BT 411.90 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.58 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 459.90 94.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 481.69 94.10 Td (on ) Tj ET Q q 0 0 0 rg BT 494.03 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.59 94.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 541.47 94.10 Td (sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.95 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.78 82.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 136.71 82.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 160.43 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.83 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.66 82.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 223.26 82.10 Td (statements; ) Tj ET Q q 0 0 0 rg BT 270.87 82.10 Td (3\) ) Tj ET Q q 0 0 0 rg BT 281.82 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.65 82.10 Td (use ) Tj ET Q q 0 0 0 rg BT 312.60 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.54 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.38 82.10 Td (exit ) Tj ET Q q 0 0 0 rg BT 355.99 82.10 Td (price ) Tj ET Q q 0 0 0 rg BT 378.59 82.10 Td (notion ) Tj ET Q q 0 0 0 rg BT 406.77 82.10 Td (when ) Tj ET Q q 0 0 0 rg BT 431.04 82.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 475.32 82.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 491.81 82.10 Td (value ) Tj ET Q q 0 0 0 rg BT 516.08 82.10 Td (of ) 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 (instruments ) Tj ET Q q 0 0 0 rg BT 99.56 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 114.12 70.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 157.56 70.10 Td (purposes; ) Tj ET Q q 0 0 0 rg BT 198.79 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.13 70.10 Td (4\) ) Tj ET Q q 0 0 0 rg BT 227.35 70.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 263.00 70.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 314.77 70.10 Td (by ) Tj ET Q q 0 0 0 rg BT 327.67 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.78 70.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 382.34 70.10 Td (or) Tj ET Q q 0 0 0 rg BT 390.48 70.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 435.03 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.71 70.10 Td (other ) Tj ET Q q 0 0 0 rg BT 469.15 70.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 532.58 70.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.54 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.63 58.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 111.39 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.60 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.69 58.10 Td (total ) Tj ET Q q 0 0 0 rg BT 158.34 58.10 Td (change ) Tj ET Q q 0 0 0 rg BT 189.53 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.19 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.28 58.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 232.03 58.10 Td (value ) Tj ET Q q 0 0 0 rg BT 256.56 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.77 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.08 58.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 309.07 58.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 346.94 58.10 Td (from ) Tj ET Q q 0 0 0 rg BT 369.25 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.35 58.10 Td (change ) Tj ET Q q 0 0 0 rg BT 415.54 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 426.19 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.28 58.10 Td (instrument-specific ) Tj ET Q q 0 0 0 rg BT 521.36 58.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 547.00 58.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (\(also ) Tj ET Q q 0 0 0 rg BT 72.17 46.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 106.54 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.06 46.10 Td (as ) Tj ET Q q 0 0 0 rg BT 128.12 46.10 Td (own ) Tj ET Q q 0 0 0 rg BT 152.51 46.10 Td (credit\) ) Tj ET Q q 0 0 0 rg BT 185.78 46.10 Td (when ) Tj ET Q q 0 0 0 rg BT 210.18 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.13 46.10 Td (or) Tj ET Q q 0 0 0 rg BT 233.28 46.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 277.66 46.10 Td (has ) Tj ET Q q 0 0 0 rg BT 293.73 46.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 324.77 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.28 46.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 371.33 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.28 46.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 420.13 46.10 Td (at ) Tj ET Q q 0 0 0 rg BT 430.08 46.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 446.69 46.10 Td (value ) Tj ET Q q 0 0 0 rg BT 471.08 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 481.59 46.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 529.29 46.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.80 46.10 Td (the ) Tj ET Q 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 (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 65.52 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 88.81 742.10 Td (option ) Tj ET Q q 0 0 0 rg BT 116.01 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 129.31 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 165.93 742.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 216.62 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 233.81 742.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 269.32 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 286.52 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 294.10 742.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 322.95 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 336.25 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.11 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 390.63 742.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 432.27 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 443.91 742.10 Td (January ) Tj ET Q q 0 0 0 rg BT 476.65 742.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 485.79 742.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 509.81 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 527.00 742.10 Td (adoption ) 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 60.83 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 77.23 730.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 99.73 730.10 Td (did ) Tj ET Q q 0 0 0 rg BT 115.01 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 130.29 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 151.67 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.60 730.10 Td (material ) Tj ET Q q 0 0 0 rg BT 193.86 730.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 223.57 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 236.07 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.79 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 292.46 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 298.85 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 336.33 730.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 712.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 90.30 712.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 106.45 712.10 Td (2016-02, ) Tj ET Q q 0 0 0 rg BT 144.25 712.10 Td (Leases ) Tj ET Q q 0 0 0 rg BT 173.45 712.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 181.42 712.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 200.61 712.10 Td (842\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.27 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 224.10 712.10 Td (The ) Tj ET Q q 0 0 0 rg BT 241.63 712.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 294.14 712.10 Td (in ) Tj ET Q q 0 0 0 rg BT 303.89 712.10 Td (this ) Tj ET Q q 0 0 0 rg BT 319.88 712.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 341.86 712.10 Td (require ) Tj ET Q q 0 0 0 rg BT 372.15 712.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 401.89 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.64 712.10 Td (recognize, ) Tj ET Q q 0 0 0 rg BT 454.98 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 466.95 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.15 712.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 513.65 712.10 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 538.67 712.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.65 700.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 106.07 700.10 Td (for ) Tj ET Q q 0 0 0 rg BT 119.94 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.37 700.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 159.35 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.00 700.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 222.65 700.10 Td (created ) Tj ET Q q 0 0 0 rg BT 253.72 700.10 Td (by ) Tj ET Q q 0 0 0 rg BT 265.93 700.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 294.03 700.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 342.89 700.10 Td (by ) Tj ET Q q 0 0 0 rg BT 355.10 700.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 384.53 700.10 Td (will ) Tj ET Q q 0 0 0 rg BT 402.30 700.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 432.27 700.10 Td (lar) Tj ET Q q 0 0 0 rg BT 442.63 700.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 462.06 700.10 Td (unchanged. ) Tj ET Q q 0 0 0 rg BT 510.08 700.10 Td (In ) Tj ET Q q 0 0 0 rg BT 520.62 700.10 Td (July ) Tj ET Q q 0 0 0 rg BT 539.50 700.10 Td (2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.55 688.10 Td (F) Tj ET Q q 0 0 0 rg BT 70.37 688.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 93.16 688.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 121.50 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 129.27 688.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 177.05 688.10 Td (update ) Tj ET Q q 0 0 0 rg BT 207.04 688.10 Td (which ) Tj ET Q q 0 0 0 rg BT 234.81 688.10 Td (introduced ) Tj ET Q q 0 0 0 rg BT 280.92 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 288.69 688.10 Td (new ) Tj ET Q q 0 0 0 rg BT 308.69 688.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 349.80 688.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 385.63 688.10 Td (under ) Tj ET Q q 0 0 0 rg BT 411.73 688.10 Td (this ) Tj ET Q q 0 0 0 rg BT 429.52 688.10 Td (new ) Tj ET Q q 0 0 0 rg BT 449.51 688.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 490.62 688.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 526.46 688.10 Td (an ) Tj ET Q q 0 0 0 rg BT 539.23 688.10 Td (entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 83.12 676.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 113.46 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.70 676.10 Td (new ) Tj ET Q q 0 0 0 rg BT 146.37 676.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 172.27 676.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 208.16 676.10 Td (at ) Tj ET Q q 0 0 0 rg BT 217.39 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.62 676.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 268.63 676.10 Td (date ) Tj ET Q q 0 0 0 rg BT 287.30 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.76 676.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 348.53 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.98 676.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 410.33 676.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 427.33 676.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 473.23 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.02 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.25 676.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 531.49 676.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.35 664.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 96.57 664.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 133.47 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.26 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.50 664.10 Td (period ) Tj ET Q q 0 0 0 rg BT 188.07 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.41 664.10 Td (adoption. ) Tj ET Q q 0 0 0 rg BT 239.71 664.10 Td (The ) Tj ET Q q 0 0 0 rg BT 258.28 664.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 297.39 664.10 Td (will ) Tj ET Q q 0 0 0 rg BT 315.96 664.10 Td (be ) Tj ET Q q 0 0 0 rg BT 328.42 664.10 Td (ef) Tj ET Q q 0 0 0 rg BT 336.01 664.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 366.23 664.10 Td (for ) Tj ET Q q 0 0 0 rg BT 380.91 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.15 664.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 438.05 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 451.07 664.10 Td (January ) Tj ET Q q 0 0 0 rg BT 485.19 664.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 495.71 664.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 521.23 664.10 Td (with ) Tj ET Q q 0 0 0 rg BT 542.02 664.10 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 87.58 652.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 130.81 652.10 Td (The ) Tj ET Q q 0 0 0 rg BT 148.94 652.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 190.42 652.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.87 652.10 Td ($0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.37 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.96 652.10 Td (million ) Tj ET Q q 0 0 0 rg BT 288.44 652.10 Td (as ) Tj ET Q q 0 0 0 rg BT 299.36 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.39 652.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 361.73 652.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 379.31 652.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 425.78 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.15 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.95 652.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 485.76 652.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 518.88 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.80 652.10 Td (retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 86.57 640.10 Td (at ) Tj ET Q q 0 0 0 rg BT 96.47 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.38 640.10 Td (time ) Tj ET Q q 0 0 0 rg BT 131.85 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.87 640.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 180.55 640.10 Td (on ) Tj ET Q q 0 0 0 rg BT 193.24 640.10 Td (January ) Tj ET Q q 0 0 0 rg BT 227.03 640.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 237.22 640.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 262.41 640.10 Td (In ) Tj ET Q q 0 0 0 rg BT 273.43 640.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 311.40 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.30 640.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 356.21 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.23 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.13 640.10 Td (new ) Tj ET Q q 0 0 0 rg BT 401.48 640.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 438.05 640.10 Td (is ) Tj ET Q q 0 0 0 rg BT 447.41 640.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 485.63 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.10 640.10 Td (be ) Tj ET Q q 0 0 0 rg BT 508.23 640.10 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 554.24 640.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.62 628.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 105.90 628.10 Td (as ) Tj ET Q q 0 0 0 rg BT 116.63 628.10 Td (it ) Tj ET Q q 0 0 0 rg BT 124.59 628.10 Td (relates ) Tj ET Q q 0 0 0 rg BT 153.08 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.26 628.10 Td (recognizing ) Tj ET Q q 0 0 0 rg BT 212.86 628.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 253.03 628.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 279.30 628.10 Td (on ) Tj ET Q q 0 0 0 rg BT 291.70 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.32 628.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 339.25 628.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 364.53 628.10 Td (The ) Tj ET Q q 0 0 0 rg BT 382.47 628.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 423.76 628.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 463.37 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.99 628.10 Td (right ) Tj ET Q q 0 0 0 rg BT 499.27 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.00 628.10 Td (use ) Tj ET Q q 0 0 0 rg BT 525.73 628.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 547.57 628.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 72.49 616.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 106.09 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.37 616.10 Td (be ) Tj ET Q q 0 0 0 rg BT 128.31 616.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.57 616.10 Td ($10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.57 616.10 Td ( ) Tj ET Q q 0 0 0 rg BT 206.07 616.10 Td (million ) Tj ET Q q 0 0 0 rg BT 237.46 616.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.96 616.10 Td (day ) Tj ET Q q 0 0 0 rg BT 266.90 616.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 276.90 616.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 321.05 616.10 Td (on ) Tj ET Q q 0 0 0 rg BT 333.55 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.27 616.10 Td (final ) Tj ET Q q 0 0 0 rg BT 369.10 616.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 405.48 616.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 422.97 616.10 Td (utilized.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 598.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 93.09 598.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 112.01 598.10 Td (2016-13, ) Tj ET Q q 0 0 0 rg BT 152.60 598.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 196.24 598.10 Td (InstrumentsCr) Tj ET Q q 0 0 0 rg BT 262.54 598.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 282.29 598.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 313.72 598.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 321.69 598.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 343.67 598.10 Td (326\): ) Tj ET Q q 0 0 0 rg BT 370.08 598.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 405.83 598.10 Td (ement ) Tj ET Q q 0 0 0 rg BT 434.46 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.99 598.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.18 598.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 476.93 598.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 508.36 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 523.12 598.10 Td (Financial ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.28 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.17 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 124.30 586.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 146.34 586.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 180.58 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.83 586.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 242.96 586.10 Td (model ) Tj ET Q q 0 0 0 rg BT 269.99 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 283.69 586.10 Td (most ) Tj ET Q q 0 0 0 rg BT 305.17 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 342.18 586.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 367.55 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.02 586.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 413.25 586.10 Td (other ) Tj ET Q q 0 0 0 rg BT 435.83 586.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 487.03 586.10 Td (For ) Tj ET Q q 0 0 0 rg BT 502.96 586.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 524.98 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 586.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 100.05 574.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 168.17 574.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 187.97 574.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 230.82 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 254.51 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.53 574.10 Td (other ) Tj ET Q q 0 0 0 rg BT 294.66 574.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 346.41 574.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 377.88 574.10 Td (will ) Tj ET Q q 0 0 0 rg BT 396.02 574.10 Td (be ) Tj ET Q q 0 0 0 rg BT 408.04 574.10 Td (required ) Tj ET Q q 0 0 0 rg BT 443.94 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.30 574.10 Td (use ) Tj ET Q q 0 0 0 rg BT 470.21 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 477.23 574.10 Td (new ) Tj ET Q q 0 0 0 rg BT 496.47 574.10 Td (forward-looking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 92.12 562.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 114.27 562.10 Td (model ) Tj ET Q q 0 0 0 rg BT 141.42 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 158.56 562.10 Td (will ) Tj ET Q q 0 0 0 rg BT 176.27 562.10 Td (replace ) Tj ET Q q 0 0 0 rg BT 207.29 562.10 Td (today) Tj ET Q q 0 0 0 rg BT 232.28 562.10 Td (s ) Tj ET Q q 0 0 0 rg BT 238.32 562.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 278.23 562.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 300.38 562.10 Td (model ) Tj ET Q q 0 0 0 rg BT 327.52 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.11 562.10 Td (can ) Tj ET Q q 0 0 0 rg BT 360.14 562.10 Td (result ) Tj ET Q q 0 0 0 rg BT 384.51 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.44 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.81 562.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 436.49 562.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 484.18 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 494.66 562.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 519.58 562.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 548.12 562.10 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 100.88 550.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 121.92 550.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 141.31 550.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 181.24 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 201.18 550.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 244.99 550.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 273.55 550.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 304.60 550.10 Td (will ) Tj ET Q q 0 0 0 rg BT 322.32 550.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 357.80 550.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 382.73 550.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 408.79 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.74 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.34 550.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 457.50 550.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 487.44 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.38 550.10 Td (current ) Tj ET Q q 0 0 0 rg BT 527.86 550.10 Td (practice, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (except ) Tj ET Q q 0 0 0 rg BT 78.85 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 96.60 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.57 538.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 138.21 538.10 Td (will ) Tj ET Q q 0 0 0 rg BT 156.52 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 168.72 538.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 215.33 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 226.42 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 238.61 538.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 284.20 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 302.50 538.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 355.79 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 366.32 538.10 Td (this ) Tj ET Q q 0 0 0 rg BT 383.53 538.10 Td (update ) Tj ET Q q 0 0 0 rg BT 412.94 538.10 Td (will ) Tj ET Q q 0 0 0 rg BT 431.25 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 443.44 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 451.03 538.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 480.98 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 495.40 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.37 538.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 552.01 538.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (January ) Tj ET Q q 0 0 0 rg BT 83.19 526.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 92.79 526.10 Td (2020, ) Tj ET Q q 0 0 0 rg BT 117.38 526.10 Td (including ) Tj ET Q q 0 0 0 rg BT 157.25 526.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 188.22 526.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 219.75 526.10 Td (within ) Tj ET Q q 0 0 0 rg BT 247.41 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 264.49 526.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 288.24 526.10 Td (year) Tj ET Q q 0 0 0 rg BT 304.90 526.10 Td (. ) Tj ET Q q 0 0 0 rg BT 309.49 526.10 Td (Early ) Tj ET Q q 0 0 0 rg BT 333.24 526.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 370.33 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 379.09 526.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 419.51 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 429.93 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.36 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.67 526.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 478.42 526.10 Td (years ) Tj ET Q q 0 0 0 rg BT 501.61 526.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 543.70 526.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (December ) Tj ET Q q 0 0 0 rg BT 94.98 514.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 111.38 514.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 137.78 514.10 Td (including ) Tj ET Q q 0 0 0 rg BT 179.46 514.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 212.24 514.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 245.58 514.10 Td (within ) Tj ET Q q 0 0 0 rg BT 275.03 514.10 Td (those ) Tj ET Q q 0 0 0 rg BT 300.04 514.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 325.60 514.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 353.10 514.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 409.20 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 419.77 514.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 459.76 514.10 Td (working ) Tj ET Q q 0 0 0 rg BT 496.99 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 518.67 514.10 Td (third ) Tj ET Q q 0 0 0 rg BT 541.46 514.10 Td (party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (consultants ) Tj ET Q q 0 0 0 rg BT 97.35 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.15 502.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 154.83 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.96 502.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 200.63 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.20 502.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 244.77 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.45 502.10 Td (its ) Tj ET Q q 0 0 0 rg BT 267.26 502.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 301.83 502.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 339.18 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.87 502.10 Td (this ) Tj ET Q q 0 0 0 rg BT 366.67 502.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 405.12 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 417.48 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.05 502.10 Td (Company) Tj ET Q q 0 0 0 rg BT 473.72 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 479.96 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.30 502.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 484.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 91.34 484.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 108.53 484.10 Td (2016-15, ) Tj ET Q q 0 0 0 rg BT 147.37 484.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 189.81 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.61 484.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 224.18 484.10 Td (Flows ) Tj ET Q q 0 0 0 rg BT 251.64 484.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 259.61 484.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 279.84 484.10 Td (230\): ) Tj ET Q q 0 0 0 rg BT 304.52 484.10 Td (Classification ) Tj ET Q q 0 0 0 rg BT 368.65 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.44 484.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 413.01 484.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 436.59 484.10 Td (Receipts ) Tj ET Q q 0 0 0 rg BT 473.47 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.48 484.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 515.06 484.10 Td (Payments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (This ) Tj ET Q q 0 0 0 rg BT 69.59 472.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 91.93 472.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 126.46 472.10 Td (how ) Tj ET Q q 0 0 0 rg BT 146.01 472.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 175.55 472.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 195.64 472.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 229.07 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.83 472.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 265.93 472.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 306.59 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 321.12 472.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 361.77 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 378.53 472.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 418.63 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 428.73 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.28 472.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 483.93 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 494.59 472.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 514.69 472.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 539.24 472.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 460.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 74.89 460.10 Td (230, ) Tj ET Q q 0 0 0 rg BT 94.65 460.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 136.91 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.50 460.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 169.76 460.10 Td (Flows, ) Tj ET Q q 0 0 0 rg BT 198.98 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.68 460.10 Td (other ) Tj ET Q q 0 0 0 rg BT 238.33 460.10 Td (T) Tj ET Q q 0 0 0 rg BT 243.74 460.10 Td (opics. ) Tj ET Q q 0 0 0 rg BT 269.45 460.10 Td (The ) Tj ET Q q 0 0 0 rg BT 287.26 460.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 340.06 460.10 Td (address ) Tj ET Q q 0 0 0 rg BT 372.31 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.79 460.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 441.82 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.41 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.89 460.10 Td (following ) Tj ET Q q 0 0 0 rg BT 508.04 460.10 Td (eight ) Tj ET Q q 0 0 0 rg BT 530.30 460.10 Td (items ) Tj ET Q q 0 0 0 rg BT 554.23 460.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.81 448.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 105.72 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.65 448.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 137.01 448.10 Td (flows; ) Tj ET Q q 0 0 0 rg BT 164.60 448.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 184.41 448.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 234.20 448.10 Td (or ) Tj ET Q q 0 0 0 rg BT 245.13 448.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 264.94 448.10 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 329.19 448.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 354.28 448.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 397.97 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.90 448.10 Td (zero-coupon ) Tj ET Q q 0 0 0 rg BT 461.46 448.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 481.27 448.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 530.53 448.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 448.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 68.85 436.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 117.14 436.10 Td (with ) Tj ET Q q 0 0 0 rg BT 136.55 436.10 Td (coupon ) Tj ET Q q 0 0 0 rg BT 167.62 436.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 198.68 436.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 219.19 436.10 Td (that ) Tj ET Q q 0 0 0 rg BT 235.81 436.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.65 436.10 Td (insignificant ) Tj ET Q q 0 0 0 rg BT 301.27 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 310.68 436.10 Td (relation ) Tj ET Q q 0 0 0 rg BT 342.85 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.26 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.11 436.10 Td (ef) Tj ET Q q 0 0 0 rg BT 373.69 436.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 402.53 436.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 433.59 436.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 450.20 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.16 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.01 436.10 Td (borrowing, ) Tj ET Q q 0 0 0 rg BT 519.80 436.10 Td (contingent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 106.26 424.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 146.98 424.10 Td (made ) Tj ET Q q 0 0 0 rg BT 171.03 424.10 Td (after ) Tj ET Q q 0 0 0 rg BT 191.74 424.10 Td (a ) Tj ET Q q 0 0 0 rg BT 198.57 424.10 Td (business ) Tj ET Q q 0 0 0 rg BT 234.85 424.10 Td (combination, ) Tj ET Q q 0 0 0 rg BT 289.74 424.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 327.67 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 349.50 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.11 424.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 407.60 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.32 424.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 459.03 424.10 Td (claims, ) Tj ET Q q 0 0 0 rg BT 490.02 424.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 527.95 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.79 424.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 93.70 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.63 412.10 Td (corporate-owned ) Tj ET Q q 0 0 0 rg BT 174.98 412.10 Td (life ) Tj ET Q q 0 0 0 rg BT 190.91 412.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 231.83 412.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 268.03 412.10 Td (including ) Tj ET Q q 0 0 0 rg BT 308.41 412.10 Td (bank-owned ) Tj ET Q q 0 0 0 rg BT 360.44 412.10 Td (life ) Tj ET Q q 0 0 0 rg BT 376.37 412.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 417.29 412.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 453.49 412.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 506.10 412.10 Td (received ) Tj ET Q q 0 0 0 rg BT 542.56 412.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.59 400.10 Td (method ) Tj ET Q q 0 0 0 rg BT 110.18 400.10 Td (investees, ) Tj ET Q q 0 0 0 rg BT 151.93 400.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 193.95 400.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 229.87 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 240.24 400.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 296.70 400.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 347.06 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.09 400.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 407.22 400.10 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 455.35 400.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 475.72 400.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 500.53 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.57 400.10 Td (application ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.43 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.75 388.10 Td (Predominance ) Tj ET Q q 0 0 0 rg BT 134.05 388.10 Td (Principle. ) Tj ET Q q 0 0 0 rg BT 174.60 388.10 Td (The ) Tj ET Q q 0 0 0 rg BT 192.25 388.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 244.90 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.78 388.10 Td (this ) Tj ET Q q 0 0 0 rg BT 271.32 388.10 Td (update ) Tj ET Q q 0 0 0 rg BT 300.08 388.10 Td (were ) Tj ET Q q 0 0 0 rg BT 321.61 388.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.20 388.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 358.50 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 372.26 388.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 396.02 388.10 Td (years ) Tj ET Q q 0 0 0 rg BT 419.22 388.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 461.32 388.10 Td (after ) Tj ET Q q 0 0 0 rg BT 481.73 388.10 Td (December ) Tj ET Q q 0 0 0 rg BT 524.92 388.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 539.52 388.10 Td (2017, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.49 376.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 97.42 376.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 128.90 376.10 Td (within ) Tj ET Q q 0 0 0 rg BT 156.51 376.10 Td (those ) Tj ET Q q 0 0 0 rg BT 179.67 376.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 203.37 376.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 228.87 376.10 Td (The ) Tj ET Q q 0 0 0 rg BT 246.46 376.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 283.51 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.89 376.10 Td (this ) Tj ET Q q 0 0 0 rg BT 309.93 376.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 331.98 376.10 Td (did ) Tj ET Q q 0 0 0 rg BT 346.81 376.10 Td (not ) Tj ET Q q 0 0 0 rg BT 361.64 376.10 Td (have ) Tj ET Q q 0 0 0 rg BT 382.56 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.05 376.10 Td (material ) Tj ET Q q 0 0 0 rg BT 423.86 376.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 453.12 376.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.16 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.43 376.10 Td (Company) Tj ET Q q 0 0 0 rg BT 521.09 376.10 Td (s ) Tj ET Q q 0 0 0 rg BT 527.03 376.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 346.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 90.39 346.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 106.61 346.10 Td (2016-18, ) Tj ET Q q 0 0 0 rg BT 144.50 346.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 185.99 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.83 346.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 218.45 346.10 Td (Flows ) Tj ET Q q 0 0 0 rg BT 244.95 346.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 252.93 346.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 272.20 346.10 Td (230\): ) Tj ET Q q 0 0 0 rg BT 295.92 346.10 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 344.08 346.10 Td (Cash.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.70 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.61 346.10 Td (This ) Tj ET Q q 0 0 0 rg BT 393.99 346.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 416.05 346.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 448.66 346.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 486.81 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 498.86 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.14 346.10 Td (presentation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.74 334.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 102.36 334.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 123.54 334.10 Td (or ) Tj ET Q q 0 0 0 rg BT 135.28 334.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 175.90 334.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 197.08 334.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 246.04 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.23 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.86 334.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 314.59 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.33 334.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 347.51 334.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 375.40 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 394.36 334.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 448.32 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.51 334.10 Td (this ) Tj ET Q q 0 0 0 rg BT 477.37 334.10 Td (update ) Tj ET Q q 0 0 0 rg BT 507.44 334.10 Td (require ) Tj ET Q q 0 0 0 rg BT 539.17 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 557.58 334.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 90.10 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.20 322.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 119.74 322.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 143.74 322.10 Td (explain ) Tj ET Q q 0 0 0 rg BT 174.95 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.94 322.10 Td (change ) Tj ET Q q 0 0 0 rg BT 219.03 322.10 Td (during ) Tj ET Q q 0 0 0 rg BT 246.91 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.91 322.10 Td (period ) Tj ET Q q 0 0 0 rg BT 288.23 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 297.78 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.77 322.10 Td (total ) Tj ET Q q 0 0 0 rg BT 331.32 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.43 322.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 363.47 322.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 383.01 322.10 Td (equivalents, ) Tj ET Q q 0 0 0 rg BT 432.83 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 449.04 322.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 484.70 322.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 523.68 322.10 Td (described ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.68 310.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 102.23 310.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 123.35 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 135.03 310.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 175.58 310.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 196.69 310.10 Td (equivalents. ) Tj ET Q q 0 0 0 rg BT 247.84 310.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 293.10 310.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 330.34 310.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 370.89 310.10 Td (described ) Tj ET Q q 0 0 0 rg BT 412.55 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 424.23 310.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 464.78 310.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 485.90 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.69 310.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 544.24 310.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 97.95 298.10 Td (should ) Tj ET Q q 0 0 0 rg BT 127.02 298.10 Td (be ) Tj ET Q q 0 0 0 rg BT 138.86 298.10 Td (included ) Tj ET Q q 0 0 0 rg BT 175.70 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 195.88 298.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 216.05 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.90 298.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 253.07 298.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 301.01 298.10 Td (when ) Tj ET Q q 0 0 0 rg BT 325.08 298.10 Td (reconciling ) Tj ET Q q 0 0 0 rg BT 372.46 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.08 298.10 Td (beginning-of-period ) Tj ET Q q 0 0 0 rg BT 470.02 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.86 298.10 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 544.24 298.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 85.83 286.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 113.89 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 125.83 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.99 286.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 180.25 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.53 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 210.24 286.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 236.76 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 254.25 286.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 306.74 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.46 286.10 Td (this ) Tj ET Q q 0 0 0 rg BT 332.85 286.10 Td (update ) Tj ET Q q 0 0 0 rg BT 361.45 286.10 Td (were ) Tj ET Q q 0 0 0 rg BT 382.82 286.10 Td (ef) Tj ET Q q 0 0 0 rg BT 390.41 286.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 419.56 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 433.16 286.10 Td (public ) Tj ET Q q 0 0 0 rg BT 460.10 286.10 Td (business ) Tj ET Q q 0 0 0 rg BT 495.93 286.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 526.76 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 540.36 286.10 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (years ) Tj ET Q q 0 0 0 rg BT 73.50 274.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 115.89 274.10 Td (after ) Tj ET Q q 0 0 0 rg BT 136.60 274.10 Td (December ) Tj ET Q q 0 0 0 rg BT 180.08 274.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 194.98 274.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 219.88 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.71 274.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 267.99 274.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 299.83 274.10 Td (within ) Tj ET Q q 0 0 0 rg BT 327.78 274.10 Td (those ) Tj ET Q q 0 0 0 rg BT 351.29 274.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 375.34 274.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 401.16 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 419.11 274.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 456.50 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.23 274.10 Td (this ) Tj ET Q q 0 0 0 rg BT 483.55 274.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 505.95 274.10 Td (did ) Tj ET Q q 0 0 0 rg BT 521.12 274.10 Td (not ) Tj ET Q q 0 0 0 rg BT 536.30 274.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.57 274.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 262.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 114.97 262.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.47 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.19 262.10 Td (Company) Tj ET Q q 0 0 0 rg BT 183.85 262.10 Td (s ) Tj ET Q q 0 0 0 rg BT 190.24 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 227.72 262.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 244.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 90.17 244.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 106.19 244.10 Td (2017-04, ) Tj ET Q q 0 0 0 rg BT 143.86 244.10 Td (Intangibles ) Tj ET Q q 0 0 0 rg BT 190.70 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.54 244.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 236.61 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.45 244.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 278.63 244.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 286.60 244.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 305.66 244.10 Td (350\): ) Tj ET Q q 0 0 0 rg BT 329.17 244.10 Td (Simplifying ) Tj ET Q q 0 0 0 rg BT 382.12 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.18 244.10 Td (T) Tj ET Q q 0 0 0 rg BT 400.83 244.10 Td (est ) Tj ET Q q 0 0 0 rg BT 413.78 244.10 Td (for ) Tj ET Q q 0 0 0 rg BT 427.29 244.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 466.36 244.10 Td (Impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.08 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.79 244.10 Td (This ) Tj ET Q q 0 0 0 rg BT 542.01 244.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (simplifies ) Tj ET Q q 0 0 0 rg BT 92.38 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.54 232.10 Td (test ) Tj ET Q q 0 0 0 rg BT 124.37 232.10 Td (for ) Tj ET Q q 0 0 0 rg BT 138.96 232.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 177.46 232.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 226.50 232.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.44 232.10 Td (eliminating ) Tj ET Q q 0 0 0 rg BT 287.92 232.10 Td (step ) Tj ET Q q 0 0 0 rg BT 306.97 232.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 314.91 232.10 Td (from ) Tj ET Q q 0 0 0 rg BT 337.29 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.45 232.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 390.94 232.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 439.98 232.10 Td (test. ) Tj ET Q q 0 0 0 rg BT 459.31 232.10 Td (In ) Tj ET Q q 0 0 0 rg BT 470.58 232.10 Td (computing ) Tj ET Q q 0 0 0 rg BT 516.29 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.45 232.10 Td (implied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.67 220.10 Td (value ) Tj ET Q q 0 0 0 rg BT 91.11 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.23 220.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 140.58 220.10 Td (under ) Tj ET Q q 0 0 0 rg BT 166.14 220.10 Td (Step ) Tj ET Q q 0 0 0 rg BT 186.70 220.10 Td (2, ) Tj ET Q q 0 0 0 rg BT 196.99 220.10 Td (an ) Tj ET Q q 0 0 0 rg BT 209.22 220.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 234.78 220.10 Td (was ) Tj ET Q q 0 0 0 rg BT 253.13 220.10 Td (required ) Tj ET Q q 0 0 0 rg BT 289.23 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.80 220.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 334.79 220.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 381.45 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.02 220.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 434.79 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.80 220.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 466.46 220.10 Td (value ) Tj ET Q q 0 0 0 rg BT 490.91 220.10 Td (at ) Tj ET Q q 0 0 0 rg BT 500.91 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.92 220.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 78.27 208.10 Td (date ) Tj ET Q q 0 0 0 rg BT 96.52 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.45 208.10 Td (its ) Tj ET Q q 0 0 0 rg BT 117.50 208.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 142.43 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.47 208.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 197.29 208.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 239.99 208.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 295.46 208.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 320.39 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.42 208.10 Td (liabilities\) ) Tj ET Q q 0 0 0 rg BT 378.57 208.10 Td (following ) Tj ET Q q 0 0 0 rg BT 419.06 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.88 208.10 Td (procedure ) Tj ET Q q 0 0 0 rg BT 474.45 208.10 Td (that ) Tj ET Q q 0 0 0 rg BT 491.05 208.10 Td (would ) Tj ET Q q 0 0 0 rg BT 517.65 208.10 Td (be ) Tj ET Q q 0 0 0 rg BT 528.69 208.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.03 196.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 110.60 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.06 196.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 141.19 196.10 Td (value ) Tj ET Q q 0 0 0 rg BT 165.09 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.67 196.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 201.25 196.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 237.92 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.61 196.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 294.07 196.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 330.76 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.79 196.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.47 196.10 Td (business ) Tj ET Q q 0 0 0 rg BT 383.61 196.10 Td (combination. ) Tj ET Q q 0 0 0 rg BT 438.35 196.10 Td (Instead, ) Tj ET Q q 0 0 0 rg BT 471.98 196.10 Td (under ) Tj ET Q q 0 0 0 rg BT 496.99 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.46 196.10 Td (amendments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.96 184.10 Td (this ) Tj ET Q q 0 0 0 rg BT 76.58 184.10 Td (update, ) Tj ET Q q 0 0 0 rg BT 107.92 184.10 Td (an ) Tj ET Q q 0 0 0 rg BT 119.53 184.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 144.48 184.10 Td (should ) Tj ET Q q 0 0 0 rg BT 173.33 184.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 207.71 184.10 Td (its ) Tj ET Q q 0 0 0 rg BT 219.34 184.10 Td (annual, ) Tj ET Q q 0 0 0 rg BT 250.67 184.10 Td (or ) Tj ET Q q 0 0 0 rg BT 261.18 184.10 Td (interim, ) Tj ET Q q 0 0 0 rg BT 294.74 184.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 332.48 184.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 380.75 184.10 Td (test ) Tj ET Q q 0 0 0 rg BT 396.82 184.10 Td (by ) Tj ET Q q 0 0 0 rg BT 408.99 184.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 453.94 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.33 184.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 484.38 184.10 Td (value ) Tj ET Q q 0 0 0 rg BT 508.22 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.73 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.34 184.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 68.59 172.10 Td (with ) Tj ET Q q 0 0 0 rg BT 89.41 172.10 Td (its ) Tj ET Q q 0 0 0 rg BT 101.89 172.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 138.25 172.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 173.11 172.10 Td (An ) Tj ET Q q 0 0 0 rg BT 188.37 172.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 214.18 172.10 Td (should ) Tj ET Q q 0 0 0 rg BT 243.89 172.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 285.78 172.10 Td (an ) Tj ET Q q 0 0 0 rg BT 298.26 172.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 347.40 172.10 Td (char) Tj ET Q q 0 0 0 rg BT 364.42 172.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 376.90 172.10 Td (for ) Tj ET Q q 0 0 0 rg BT 391.60 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.85 172.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 439.88 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 452.92 172.10 Td (which ) Tj ET Q q 0 0 0 rg BT 480.39 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.65 172.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 532.00 172.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 84.16 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.90 160.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 138.07 160.10 Td (unit) Tj ET Q q 0 0 0 rg BT 156.41 160.10 Td (s ) Tj ET Q q 0 0 0 rg BT 162.82 160.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 179.21 160.10 Td (value; ) Tj ET Q q 0 0 0 rg BT 206.17 160.10 Td (however) Tj ET Q q 0 0 0 rg BT 240.19 160.10 Td (, ) Tj ET Q q 0 0 0 rg BT 245.21 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.95 160.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 278.03 160.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 324.41 160.10 Td (should ) Tj ET Q q 0 0 0 rg BT 353.60 160.10 Td (not ) Tj ET Q q 0 0 0 rg BT 368.89 160.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 399.17 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.90 160.10 Td (total ) Tj ET Q q 0 0 0 rg BT 434.19 160.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 466.71 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.56 160.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 515.63 160.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 554.24 160.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.44 148.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 106.53 148.10 Td (unit. ) Tj ET Q q 0 0 0 rg BT 127.03 148.10 Td (In ) Tj ET Q q 0 0 0 rg BT 137.80 148.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 175.51 148.10 Td (this ) Tj ET Q q 0 0 0 rg BT 191.86 148.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 214.31 148.10 Td (also ) Tj ET Q q 0 0 0 rg BT 232.86 148.10 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 277.50 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.16 148.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 346.80 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 360.90 148.10 Td (any ) Tj ET Q q 0 0 0 rg BT 377.78 148.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 416.88 148.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 434.88 148.10 Td (with ) Tj ET Q q 0 0 0 rg BT 455.10 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.97 148.10 Td (zero ) Tj ET Q q 0 0 0 rg BT 481.62 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 492.39 148.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 528.70 148.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.39 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.55 136.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 127.15 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.98 136.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 178.58 136.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 225.41 136.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 244.73 136.10 Td (if ) Tj ET Q q 0 0 0 rg BT 253.23 136.10 Td (it ) Tj ET Q q 0 0 0 rg BT 261.18 136.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 280.79 136.10 Td (that ) Tj ET Q q 0 0 0 rg BT 298.17 136.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 342.77 136.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 361.55 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.71 136.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 406.31 136.10 Td (Step ) Tj ET Q q 0 0 0 rg BT 426.48 136.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 433.87 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.59 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.20 136.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 497.14 136.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 545.63 136.10 Td (test. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 94.10 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.50 124.10 Td (same ) Tj ET Q q 0 0 0 rg BT 131.23 124.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 179.51 124.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 226.14 124.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 256.64 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.61 124.10 Td (all ) Tj ET Q q 0 0 0 rg BT 278.79 124.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 317.63 124.10 Td (units. ) Tj ET Q q 0 0 0 rg BT 341.28 124.10 Td (An ) Tj ET Q q 0 0 0 rg BT 355.68 124.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 380.64 124.10 Td (is ) Tj ET Q q 0 0 0 rg BT 389.49 124.10 Td (required ) Tj ET Q q 0 0 0 rg BT 424.99 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 434.95 124.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 469.36 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.76 124.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 515.94 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.45 124.10 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 88.42 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.52 112.10 Td (each ) Tj ET Q q 0 0 0 rg BT 119.16 112.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 158.14 112.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 176.03 112.10 Td (with ) Tj ET Q q 0 0 0 rg BT 196.13 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 202.90 112.10 Td (zero ) Tj ET Q q 0 0 0 rg BT 222.43 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 233.09 112.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 269.29 112.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 304.93 112.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 337.25 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.91 112.10 Td (net ) Tj ET Q q 0 0 0 rg BT 362.45 112.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 390.09 112.10 Td (An ) Tj ET Q q 0 0 0 rg BT 404.64 112.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 429.74 112.10 Td (still ) Tj ET Q q 0 0 0 rg BT 447.07 112.10 Td (has ) Tj ET Q q 0 0 0 rg BT 462.73 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.27 112.10 Td (option ) Tj ET Q q 0 0 0 rg BT 505.16 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.26 112.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 549.80 112.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 94.73 100.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 141.70 100.10 Td (for ) Tj ET Q q 0 0 0 rg BT 155.89 100.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.85 100.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 202.03 100.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 220.12 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.42 100.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 272.93 100.10 Td (if ) Tj ET Q q 0 0 0 rg BT 281.56 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.31 100.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 346.04 100.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 394.67 100.10 Td (test ) Tj ET Q q 0 0 0 rg BT 411.08 100.10 Td (is ) Tj ET Q q 0 0 0 rg BT 420.28 100.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 458.50 100.10 Td (. ) Tj ET Q q 0 0 0 rg BT 463.34 100.10 Td (The ) Tj ET Q q 0 0 0 rg BT 481.41 100.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 534.48 100.10 Td (will ) Tj ET Q q 0 0 0 rg BT 552.57 100.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 88.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.59 88.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.05 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.06 88.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 158.75 88.10 Td (for ) Tj ET Q q 0 0 0 rg BT 173.21 88.10 Td (its ) Tj ET Q q 0 0 0 rg BT 185.46 88.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 214.91 88.10 Td (or ) Tj ET Q q 0 0 0 rg BT 226.04 88.10 Td (any ) Tj ET Q q 0 0 0 rg BT 243.28 88.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 274.96 88.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 313.32 88.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 362.21 88.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 382.79 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 393.37 88.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 417.82 88.10 Td (years ) Tj ET Q q 0 0 0 rg BT 441.72 88.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 484.52 88.10 Td (after ) Tj ET Q q 0 0 0 rg BT 505.63 88.10 Td (December ) Tj ET Q q 0 0 0 rg BT 549.52 88.10 Td (15, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 75.67 76.10 Td (Early ) Tj ET Q q 0 0 0 rg BT 100.50 76.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 138.67 76.10 Td (is ) Tj ET Q q 0 0 0 rg BT 148.52 76.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 190.01 76.10 Td (for ) Tj ET Q q 0 0 0 rg BT 204.84 76.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 236.90 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.40 76.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 278.23 76.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 316.96 76.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 366.24 76.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 387.19 76.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 432.01 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 445.18 76.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 475.02 76.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 498.74 76.10 Td (after ) Tj ET Q q 0 0 0 rg BT 520.23 76.10 Td (January ) Tj ET Q q 0 0 0 rg BT 554.50 76.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 75.86 64.10 Td (The ) Tj ET Q q 0 0 0 rg BT 95.03 64.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 137.53 64.10 Td (does ) Tj ET Q q 0 0 0 rg BT 159.48 64.10 Td (not ) Tj ET Q q 0 0 0 rg BT 175.88 64.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 205.60 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.44 64.10 Td (application ) Tj ET Q q 0 0 0 rg BT 269.48 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.44 64.10 Td (this ) Tj ET Q q 0 0 0 rg BT 299.50 64.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 339.22 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.62 64.10 Td (have ) Tj ET Q q 0 0 0 rg BT 373.11 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 381.17 64.10 Td (material ) Tj ET Q q 0 0 0 rg BT 417.55 64.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 448.39 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.01 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.84 64.10 Td (Company) Tj ET Q q 0 0 0 rg BT 519.51 64.10 Td (s ) Tj ET Q q 0 0 0 rg BT 527.02 64.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (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 (76) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 92.32 742.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 110.48 742.10 Td (2017-08, ) Tj ET Q q 0 0 0 rg BT 150.30 742.10 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 202.04 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 211.03 742.10 Td (Nonr) Tj ET Q q 0 0 0 rg BT 231.22 742.10 Td (efundable ) Tj ET Q q 0 0 0 rg BT 274.64 742.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 297.51 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.50 742.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 343.82 742.10 Td (Costs ) Tj ET Q q 0 0 0 rg BT 370.04 742.10 Td (\(subtopic ) Tj ET Q q 0 0 0 rg BT 411.25 742.10 Td (310-20\): ) Tj ET Q q 0 0 0 rg BT 450.23 742.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 465.42 742.10 Td (emium ) Tj ET Q q 0 0 0 rg BT 495.78 742.10 Td (Amortization ) Tj ET Q q 0 0 0 rg BT 552.00 742.10 Td (on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Pur) Tj ET Q q 0 0 0 rg BT 64.63 730.10 Td (chased ) Tj ET Q q 0 0 0 rg BT 95.43 730.10 Td (Callable ) Tj ET Q q 0 0 0 rg BT 132.91 730.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 155.39 730.10 Td (Securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.88 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 205.70 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 224.28 730.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 277.86 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.67 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 306.16 730.10 Td (update ) Tj ET Q q 0 0 0 rg BT 335.85 730.10 Td (shorten ) Tj ET Q q 0 0 0 rg BT 368.33 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.58 730.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 437.15 730.10 Td (period ) Tj ET Q q 0 0 0 rg BT 465.73 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.43 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 510.67 730.10 Td (callable ) Tj ET Q q 0 0 0 rg BT 544.79 730.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 91.07 718.10 Td (held ) Tj ET Q q 0 0 0 rg BT 111.59 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 122.11 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 129.86 718.10 Td (premium. ) Tj ET Q q 0 0 0 rg BT 171.77 718.10 Td (Specifically) Tj ET Q q 0 0 0 rg BT 218.88 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.68 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.21 718.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 294.05 718.10 Td (require ) Tj ET Q q 0 0 0 rg BT 325.67 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.20 718.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 380.61 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.69 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 404.43 718.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 447.72 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.80 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.33 718.10 Td (earliest ) Tj ET Q q 0 0 0 rg BT 506.50 718.10 Td (call ) Tj ET Q q 0 0 0 rg BT 524.24 718.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 546.47 718.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 103.93 706.10 Td (do ) Tj ET Q q 0 0 0 rg BT 117.32 706.10 Td (not ) Tj ET Q q 0 0 0 rg BT 133.49 706.10 Td (require ) Tj ET Q q 0 0 0 rg BT 165.19 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 178.02 706.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 225.28 706.10 Td (change ) Tj ET Q q 0 0 0 rg BT 256.98 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 272.03 706.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 313.18 706.10 Td (held ) Tj ET Q q 0 0 0 rg BT 333.79 706.10 Td (at ) Tj ET Q q 0 0 0 rg BT 344.39 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 352.22 706.10 Td (discount; 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0 rg BT 65.60 538.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 91.21 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 112.09 538.10 Td (early ) Tj ET Q q 0 0 0 rg BT 135.18 538.10 Td (adoption, ) Tj ET Q q 0 0 0 rg BT 175.77 538.10 Td (including ) Tj ET Q q 0 0 0 rg BT 216.65 538.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 254.75 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.63 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 278.17 538.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 310.16 538.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 341.31 538.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 385.01 538.10 Td (This ) Tj ET Q q 0 0 0 rg BT 405.20 538.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 428.31 538.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 463.62 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 471.16 538.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 510.37 538.10 Td (retrospective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 89.51 526.10 Td (method ) Tj ET Q q 0 0 0 rg BT 121.25 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.77 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 156.94 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.90 526.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 211.53 526.10 Td (will ) Tj ET Q q 0 0 0 rg BT 228.82 526.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 269.43 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.38 526.10 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 329.55 526.10 Td (ef) Tj ET Q q 0 0 0 rg BT 337.14 526.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 353.86 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.93 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.89 526.10 Td (change ) Tj ET Q q 0 0 0 rg BT 407.95 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 419.69 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.64 526.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 467.60 526.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 499.87 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.94 526.10 Td (each ) Tj ET Q q 0 0 0 rg BT 530.00 526.10 Td (af) Tj ET Q q 0 0 0 rg BT 537.58 526.10 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (component ) Tj ET Q q 0 0 0 rg BT 97.38 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.65 514.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 136.59 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.31 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.47 514.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 203.73 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.01 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 252.93 514.10 Td (position ) Tj ET Q q 0 0 0 rg BT 288.10 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 299.38 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.65 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.81 514.10 Td (date ) Tj ET Q q 0 0 0 rg BT 345.41 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.68 514.10 Td (adoption. ) Tj ET Q q 0 0 0 rg BT 396.91 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 415.40 514.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 453.33 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.61 514.10 Td (this ) Tj ET Q q 0 0 0 rg BT 481.35 514.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 504.30 514.10 Td (did ) Tj ET Q q 0 0 0 rg BT 520.02 514.10 Td (not ) Tj ET Q q 0 0 0 rg BT 535.74 514.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.56 514.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 502.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 114.97 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.47 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.19 502.10 Td (Company) Tj ET Q q 0 0 0 rg BT 183.85 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 190.24 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 227.72 502.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 484.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 90.36 484.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 106.55 484.10 Td (2018-02, ) Tj ET Q q 0 0 0 rg BT 144.41 484.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 175.86 484.10 Td (StatementReporting ) Tj ET Q q 0 0 0 rg BT 266.21 484.10 Td (Compr) Tj ET Q q 0 0 0 rg BT 293.62 484.10 Td (ehensive ) Tj ET Q q 0 0 0 rg BT 330.07 484.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 361.53 484.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 369.50 484.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 388.75 484.10 Td (220\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.41 484.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.29 484.10 Td (This ) Tj ET Q q 0 0 0 rg BT 432.09 484.10 Td (update ) Tj ET Q q 0 0 0 rg BT 460.77 484.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 495.00 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 501.47 484.10 Td (reclassification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.68 472.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 126.45 472.10 Td (other ) Tj ET Q q 0 0 0 rg BT 150.23 472.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 214.00 472.10 Td (income ) Tj ET Q q 0 0 0 rg BT 246.68 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.70 472.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 293.14 472.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 330.25 472.10 Td (for ) Tj ET Q q 0 0 0 rg BT 345.15 472.10 Td (stranded ) Tj ET Q q 0 0 0 rg BT 382.27 472.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 397.73 472.10 Td (ef) Tj ET Q q 0 0 0 rg BT 405.31 472.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 427.43 472.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 465.67 472.10 Td (from ) Tj ET Q q 0 0 0 rg BT 488.34 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.80 472.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 531.48 472.10 Td (enacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 79.70 460.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 119.40 460.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 133.57 460.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 152.86 460.10 Td (The ) Tj ET Q q 0 0 0 rg BT 170.36 460.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 202.30 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.58 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.74 460.10 Td (reclassification ) Tj ET Q q 0 0 0 rg BT 289.22 460.10 Td (would ) Tj ET Q q 0 0 0 rg BT 316.17 460.10 Td (be ) Tj ET Q q 0 0 0 rg BT 327.55 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.72 460.10 Td (dif) Tj ET Q q 0 0 0 rg BT 352.65 460.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 384.01 460.10 Td (between ) Tj ET Q q 0 0 0 rg BT 419.27 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.44 460.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.60 460.10 Td (35%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.93 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.88 460.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 532.58 460.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.83 448.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 82.43 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.49 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.32 448.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 141.38 448.10 Td (enacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.53 448.10 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.86 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.47 448.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 235.84 448.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 250.67 448.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 270.59 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 288.75 448.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 341.91 448.10 Td (were ) Tj ET Q q 0 0 0 rg BT 363.95 448.10 Td (ef) Tj ET Q q 0 0 0 rg BT 371.54 448.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 401.36 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 415.64 448.10 Td (all ) Tj ET Q q 0 0 0 rg BT 428.25 448.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 459.75 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 474.02 448.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 498.29 448.10 Td (years ) Tj ET Q q 0 0 0 rg BT 522.01 448.10 Td (beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (after ) Tj ET Q q 0 0 0 rg BT 70.32 436.10 Td (December ) Tj ET Q q 0 0 0 rg BT 113.40 436.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 127.91 436.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 149.91 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.35 436.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 197.23 436.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 228.67 436.10 Td (within ) Tj ET Q q 0 0 0 rg BT 256.23 436.10 Td (those ) Tj ET Q q 0 0 0 rg BT 279.34 436.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 303.00 436.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 328.60 436.10 Td (Early ) Tj ET Q q 0 0 0 rg BT 352.26 436.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 389.25 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.58 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.80 436.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 466.35 436.10 Td (was ) Tj ET Q q 0 0 0 rg BT 483.90 436.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 524.22 436.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 87.35 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.47 424.10 Td (any ) Tj ET Q q 0 0 0 rg BT 114.26 424.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 145.49 424.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 175.89 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 189.90 424.10 Td (public ) Tj ET Q q 0 0 0 rg BT 217.25 424.10 Td (business ) Tj ET Q q 0 0 0 rg BT 253.49 424.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 284.72 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.73 424.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 337.74 424.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 369.52 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 383.53 424.10 Td (which ) Tj ET Q q 0 0 0 rg BT 410.32 424.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 447.65 424.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 492.22 424.10 Td (have ) Tj ET Q q 0 0 0 rg BT 513.44 424.10 Td (not ) Tj ET Q q 0 0 0 rg BT 528.57 424.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 543.14 424.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 77.82 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 95.08 412.10 Td (all ) Tj ET Q q 0 0 0 rg BT 107.89 412.10 Td (other ) Tj ET Q q 0 0 0 rg BT 131.26 412.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 162.96 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 177.44 412.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 216.92 412.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 249.17 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 263.65 412.10 Td (which ) Tj ET Q q 0 0 0 rg BT 290.91 412.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.71 412.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 373.75 412.10 Td (have ) Tj ET Q q 0 0 0 rg BT 395.44 412.10 Td (not ) Tj ET Q q 0 0 0 rg BT 411.04 412.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 426.08 412.10 Td (been ) Tj ET Q q 0 0 0 rg BT 447.77 412.10 Td (made ) Tj ET Q q 0 0 0 rg BT 472.25 412.10 Td (available ) Tj ET Q q 0 0 0 rg BT 511.16 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 525.64 412.10 Td (issuance. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (An ) Tj ET Q q 0 0 0 rg BT 64.75 400.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 90.06 400.10 Td (would ) Tj ET Q q 0 0 0 rg BT 117.59 400.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 142.33 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.08 400.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 210.16 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 220.46 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.21 400.10 Td (update ) Tj ET Q q 0 0 0 rg BT 264.40 400.10 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 326.35 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.66 400.10 Td (each ) Tj ET Q q 0 0 0 rg BT 357.50 400.10 Td (period ) Tj ET Q q 0 0 0 rg BT 385.58 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 395.89 400.10 Td (which ) Tj ET Q q 0 0 0 rg BT 422.86 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.61 400.10 Td (ef) Tj ET Q q 0 0 0 rg BT 445.19 400.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 462.71 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.57 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.32 400.10 Td (change ) Tj ET Q q 0 0 0 rg BT 519.17 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 529.47 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.22 400.10 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 80.29 388.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 120.58 388.10 Td (income ) Tj ET Q q 0 0 0 rg BT 152.54 388.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 167.29 388.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 184.81 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.13 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.69 388.10 Td (T) Tj ET Q q 0 0 0 rg BT 215.10 388.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 227.08 388.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 247.95 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.92 388.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 284.68 388.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 301.66 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 312.52 388.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 335.05 388.10 Td (is ) Tj ET Q q 0 0 0 rg BT 344.26 388.10 Td (recognized. ) Tj ET Q q 0 0 0 rg BT 392.97 388.10 Td (The ) Tj ET Q q 0 0 0 rg BT 411.05 388.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.47 388.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 483.32 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.63 388.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 518.38 388.10 Td (this ) Tj ET Q q 0 0 0 rg BT 535.36 388.10 Td (update ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.41 376.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 107.35 376.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.76 376.10 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 137.23 376.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.12 376.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.09 376.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 211.82 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.56 376.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 259.73 376.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 297.58 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.99 376.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 352.71 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 364.46 376.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 418.95 376.10 Td (other ) Tj ET Q q 0 0 0 rg BT 443.47 376.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 507.97 376.10 Td (income ) Tj ET Q q 0 0 0 rg BT 541.37 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 376.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 364.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 364.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 346.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 91.79 346.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 109.42 346.10 Td (2018-03, ) Tj ET Q q 0 0 0 rg BT 148.71 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 153.35 346.10 Td (echnical ) Tj ET Q q 0 0 0 rg BT 190.68 346.10 Td (Corr) Tj ET Q q 0 0 0 rg BT 209.77 346.10 Td (ections ) Tj ET Q q 0 0 0 rg BT 241.55 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.01 346.10 Td (Impr) Tj ET Q q 0 0 0 rg BT 279.08 346.10 Td (ovements ) Tj ET Q q 0 0 0 rg BT 319.75 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.99 346.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 373.33 346.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 424.01 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.47 346.10 Td (Overall ) Tj ET Q q 0 0 0 rg BT 466.47 346.10 Td (\(Subtopic ) Tj ET Q q 0 0 0 rg BT 508.26 346.10 Td (825-10\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.25 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.46 346.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 83.49 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.65 334.10 Td (this ) Tj ET Q q 0 0 0 rg BT 109.92 334.10 Td (update ) Tj ET Q q 0 0 0 rg BT 138.40 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 146.90 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.51 334.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 184.43 334.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 213.46 334.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 244.16 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.32 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.37 334.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 306.29 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 315.49 334.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 337.32 334.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 353.87 334.10 Td (2016-01 ) Tj ET Q q 0 0 0 rg BT 389.03 334.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 429.17 334.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 456.00 334.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 495.59 334.10 Td (without ) Tj ET Q q 0 0 0 rg BT 527.97 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 534.24 334.10 Td (readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (determinable ) Tj ET Q q 0 0 0 rg BT 103.96 322.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 119.59 322.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 145.50 322.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 178.91 322.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 216.76 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.96 322.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 275.25 322.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 308.96 322.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 359.59 322.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 413.55 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 426.97 322.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 455.93 322.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 471.56 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 494.98 322.10 Td (option ) Tj ET Q q 0 0 0 rg BT 522.29 322.10 Td (liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 67.33 310.10 Td (value ) Tj ET Q q 0 0 0 rg BT 92.43 310.10 Td (option ) Tj ET Q q 0 0 0 rg BT 121.44 310.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 162.10 310.10 Td (denominated ) Tj ET Q q 0 0 0 rg BT 217.20 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 228.43 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 236.32 310.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 268.65 310.10 Td (currency) Tj ET Q q 0 0 0 rg BT 302.97 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 308.92 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.81 310.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 368.03 310.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 407.58 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 422.69 310.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 451.13 310.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 492.35 310.10 Td (without ) Tj ET Q q 0 0 0 rg BT 526.35 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 534.24 310.10 Td (readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (determinable ) Tj ET Q q 0 0 0 rg BT 104.35 298.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 120.39 298.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 146.70 298.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 174.42 298.10 Td (business ) Tj ET Q q 0 0 0 rg BT 210.46 298.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 241.50 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 261.44 298.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 285.25 298.10 Td (years ) Tj ET Q q 0 0 0 rg BT 308.51 298.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 350.66 298.10 Td (between ) Tj ET Q q 0 0 0 rg BT 386.13 298.10 Td (December ) Tj ET Q q 0 0 0 rg BT 429.37 298.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 444.03 298.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 466.19 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 482.78 298.10 Td (June ) Tj ET Q q 0 0 0 rg BT 503.27 298.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 517.93 298.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 542.58 298.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.45 286.10 Td (required ) Tj ET Q q 0 0 0 rg BT 101.43 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.88 286.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 136.77 286.10 Td (these ) Tj ET Q q 0 0 0 rg BT 159.99 286.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 213.20 286.10 Td (until ) Tj ET Q q 0 0 0 rg BT 234.20 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.09 286.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 280.64 286.10 Td (period ) Tj ET Q q 0 0 0 rg BT 308.86 286.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 351.52 286.10 Td (after ) Tj ET Q q 0 0 0 rg BT 372.51 286.10 Td (June ) Tj ET Q q 0 0 0 rg BT 393.51 286.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 408.68 286.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 431.35 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.46 286.10 Td (public ) Tj ET Q q 0 0 0 rg BT 476.12 286.10 Td (business ) Tj ET Q q 0 0 0 rg BT 512.68 286.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 544.23 286.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 73.23 274.10 Td (years ) Tj ET Q q 0 0 0 rg BT 95.91 274.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 137.48 274.10 Td (between ) Tj ET Q q 0 0 0 rg BT 172.37 274.10 Td (June ) Tj ET Q q 0 0 0 rg BT 192.28 274.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 206.35 274.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 227.93 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.94 274.10 Td (December ) Tj ET Q q 0 0 0 rg BT 286.60 274.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 300.68 274.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 322.25 274.10 Td (were ) Tj ET Q q 0 0 0 rg BT 343.26 274.10 Td (not ) Tj ET Q q 0 0 0 rg BT 357.61 274.10 Td (required ) Tj ET Q q 0 0 0 rg BT 392.51 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.86 274.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 425.65 274.10 Td (these ) Tj ET Q q 0 0 0 rg BT 447.78 274.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 499.89 274.10 Td (before ) Tj ET Q q 0 0 0 rg BT 527.01 274.10 Td (adopting ) 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 63.71 262.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 115.74 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 125.00 262.10 Td (update ) Tj ET Q q 0 0 0 rg BT 153.15 262.10 Td (2016-01. ) Tj ET Q q 0 0 0 rg BT 190.36 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 207.40 262.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 243.88 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.70 262.10 Td (this ) Tj ET Q q 0 0 0 rg BT 269.31 262.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 290.80 262.10 Td (did ) Tj ET Q q 0 0 0 rg BT 305.07 262.10 Td (not ) Tj ET Q q 0 0 0 rg BT 319.34 262.10 Td (have ) Tj ET Q q 0 0 0 rg BT 339.71 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 345.63 262.10 Td (material ) Tj ET Q q 0 0 0 rg BT 379.88 262.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 408.58 262.10 Td (on ) Tj ET Q q 0 0 0 rg BT 420.07 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.78 262.10 Td (Company) Tj ET Q q 0 0 0 rg BT 475.44 262.10 Td (s ) Tj ET Q q 0 0 0 rg BT 480.82 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.29 262.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 244.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 90.92 244.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 107.67 244.10 Td (2018-07, ) Tj ET Q q 0 0 0 rg BT 146.09 244.10 Td (Compensation-Stock ) Tj ET Q q 0 0 0 rg BT 231.44 244.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 291.80 244.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 299.77 244.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 319.58 244.10 Td (718\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.91 244.10 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 340.68 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 343.27 244.10 Td ("Impr) Tj ET Q q 0 0 0 rg BT 366.54 244.10 Td (ovements ) Tj ET Q q 0 0 0 rg BT 406.33 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.70 244.10 Td (Nonemployee ) Tj ET Q q 0 0 0 rg BT 473.71 244.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 492.23 244.10 Td (e-Based ) Tj ET Q q 0 0 0 rg BT 527.02 244.10 Td (Payment ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 103.65 232.10 Td (\(ASU ) Tj ET Q q 0 0 0 rg BT 127.87 232.10 Td (2018-07\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.53 232.10 Td (. ) Tj ET Q q 0 0 0 rg BT 169.39 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 187.49 232.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 240.58 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.91 232.10 Td (this ) Tj ET Q q 0 0 0 rg BT 267.91 232.10 Td (update ) Tj ET Q q 0 0 0 rg BT 297.12 232.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 328.55 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.32 232.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 368.64 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.33 232.10 Td (T) Tj ET Q q 0 0 0 rg BT 384.74 232.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 404.51 232.10 Td (718 ) Tj ET Q q 0 0 0 rg BT 422.06 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.39 232.10 Td (include ) Tj ET Q q 0 0 0 rg BT 464.38 232.10 Td (share ) Tj ET Q q 0 0 0 rg BT 488.03 232.10 Td (based ) Tj ET Q q 0 0 0 rg BT 513.35 232.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 554.22 232.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (nonemployees. ) Tj ET Q q 0 0 0 rg BT 112.09 220.10 Td (An ) Tj ET Q q 0 0 0 rg BT 126.65 220.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 151.77 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 160.78 220.10 Td (required ) Tj ET Q q 0 0 0 rg BT 196.44 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.56 220.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 231.12 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.68 220.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 300.23 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.73 220.10 Td (T) Tj ET Q q 0 0 0 rg BT 316.14 220.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 335.70 220.10 Td (718 ) Tj ET Q q 0 0 0 rg BT 353.04 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.16 220.10 Td (nonemployee ) Tj ET Q q 0 0 0 rg BT 419.38 220.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 450.04 220.10 Td (except ) Tj ET Q q 0 0 0 rg BT 478.48 220.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.48 220.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 525.92 220.10 Td (guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.30 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.17 208.10 Td (option ) Tj ET Q q 0 0 0 rg BT 116.83 208.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 147.25 208.10 Td (models ) Tj ET Q q 0 0 0 rg BT 178.23 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.77 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.08 208.10 Td (attribution ) Tj ET Q q 0 0 0 rg BT 252.84 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.27 208.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 283.51 208.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 305.61 208.10 Td (2018-07 ) Tj ET Q q 0 0 0 rg BT 341.04 208.10 Td (was ) Tj ET Q q 0 0 0 rg BT 358.69 208.10 Td (ef) Tj ET Q q 0 0 0 rg BT 366.28 208.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 395.58 208.10 Td (for ) Tj ET Q q 0 0 0 rg BT 409.33 208.10 Td (public ) Tj ET Q q 0 0 0 rg BT 436.43 208.10 Td (business ) Tj ET Q q 0 0 0 rg BT 472.42 208.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 503.39 208.10 Td (for ) Tj ET Q q 0 0 0 rg BT 517.15 208.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 540.90 208.10 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 91.73 196.10 Td (after ) Tj ET Q q 0 0 0 rg BT 111.78 196.10 Td (December ) Tj ET Q q 0 0 0 rg BT 154.60 196.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 168.84 196.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 193.07 196.10 Td (including ) Tj ET Q q 0 0 0 rg BT 232.58 196.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 263.20 196.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 294.38 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 303.89 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.84 196.10 Td (year ) Tj ET Q q 0 0 0 rg BT 336.78 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.85 196.10 Td (adoption. ) Tj ET Q q 0 0 0 rg BT 386.08 196.10 Td (Early ) Tj ET Q q 0 0 0 rg BT 409.47 196.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 446.20 196.10 Td (was ) Tj ET Q q 0 0 0 rg BT 463.49 196.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 503.55 196.10 Td (for ) Tj ET Q q 0 0 0 rg BT 516.94 196.10 Td (any ) Tj ET Q q 0 0 0 rg BT 533.12 196.10 Td (interim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 184.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 89.99 184.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 120.35 184.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.40 184.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 175.89 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.72 184.10 Td (this ) Tj ET Q q 0 0 0 rg BT 203.12 184.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 225.63 184.10 Td (did ) Tj ET Q q 0 0 0 rg BT 240.90 184.10 Td (not ) Tj ET Q q 0 0 0 rg BT 256.18 184.10 Td (have ) Tj ET Q q 0 0 0 rg BT 277.56 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 284.50 184.10 Td (material ) Tj ET Q q 0 0 0 rg BT 319.76 184.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 349.47 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.97 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.68 184.10 Td (Company) Tj ET Q q 0 0 0 rg BT 418.35 184.10 Td (s ) Tj ET Q q 0 0 0 rg BT 424.74 184.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 462.22 184.10 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 166.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 93.32 166.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 112.48 166.10 Td (2018-13, ) Tj ET Q q 0 0 0 rg BT 153.31 166.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 176.08 166.10 Td (V) Tj ET Q q 0 0 0 rg BT 181.08 166.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 203.29 166.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 233.47 166.10 Td (ement ) Tj ET Q q 0 0 0 rg BT 262.34 166.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 270.31 166.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 292.52 166.10 Td (820\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.85 166.10 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 313.63 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 318.62 166.10 Td ("Changes ) Tj ET Q q 0 0 0 rg BT 362.81 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.58 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.79 166.10 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 431.31 166.10 Td (e ) Tj ET Q q 0 0 0 rg BT 440.74 166.10 Td (Requir) Tj ET Q q 0 0 0 rg BT 467.59 166.10 Td (ements ) Tj ET Q q 0 0 0 rg BT 500.35 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 517.01 166.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 539.78 166.10 Td (V) Tj ET Q q 0 0 0 rg BT 544.78 166.10 Td (alue ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 80.18 154.10 Td (ement.") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.76 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 112.72 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 130.38 154.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 183.04 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.94 154.10 Td (this ) Tj ET Q q 0 0 0 rg BT 209.50 154.10 Td (update ) Tj ET Q q 0 0 0 rg BT 238.27 154.10 Td (modify ) Tj ET Q q 0 0 0 rg BT 269.28 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.61 154.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 326.28 154.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 380.59 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 392.71 154.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 408.70 154.10 Td (value ) Tj ET Q q 0 0 0 rg BT 432.48 154.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 491.80 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 501.54 154.10 Td (T) Tj ET Q q 0 0 0 rg BT 506.95 154.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 526.28 154.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 545.90 154.10 Td (Fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (V) Tj ET Q q 0 0 0 rg BT 56.11 142.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 75.29 142.10 Td (Measurement. ) Tj ET Q q 0 0 0 rg BT 134.54 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 152.61 142.10 Td (following ) Tj ET Q q 0 0 0 rg BT 194.01 142.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 237.08 142.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 291.80 142.10 Td (were ) Tj ET Q q 0 0 0 rg BT 313.74 142.10 Td (removed ) Tj ET Q q 0 0 0 rg BT 351.24 142.10 Td (from ) Tj ET Q q 0 0 0 rg BT 373.20 142.10 Td (topic ) Tj ET Q q 0 0 0 rg BT 395.71 142.10 Td (820 ) Tj ET Q q 0 0 0 rg BT 413.23 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 427.41 142.10 Td (public ) Tj ET Q q 0 0 0 rg BT 454.92 142.10 Td (entities; ) Tj ET Q q 0 0 0 rg BT 489.10 142.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 503.09 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 521.15 142.10 Td (amount ) 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 50.00 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.10 130.10 Td (reasons ) Tj ET Q q 0 0 0 rg BT 99.75 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 114.07 130.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 151.16 130.10 Td (between ) Tj ET Q q 0 0 0 rg BT 187.13 130.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 212.56 130.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 220.22 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.32 130.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 262.74 130.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 270.40 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.39 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.27 130.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 312.80 130.10 Td (value ) Tj ET Q q 0 0 0 rg BT 337.12 130.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 377.53 130.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 391.66 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 409.87 130.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 437.52 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 451.84 130.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 480.62 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.61 130.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 528.70 130.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 76.76 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.63 118.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 109.48 118.10 Td (The ) Tj ET Q q 0 0 0 rg BT 128.46 118.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 169.11 118.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 210.87 118.10 Td (for ) Tj ET Q q 0 0 0 rg BT 225.96 118.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 252.16 118.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 260.59 118.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 277.91 118.10 Td (value ) Tj ET Q q 0 0 0 rg BT 303.00 118.10 Td (measurements. ) Tj ET Q q 0 0 0 rg BT 365.89 118.10 Td (This ) Tj ET Q q 0 0 0 rg BT 387.10 118.10 Td (update ) Tj ET Q q 0 0 0 rg BT 417.19 118.10 Td (also ) Tj ET Q q 0 0 0 rg BT 436.73 118.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 476.27 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.15 118.10 Td (added ) Tj ET Q q 0 0 0 rg BT 521.46 118.10 Td (disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 105.73 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.77 106.10 Td (T) Tj ET Q q 0 0 0 rg BT 122.18 106.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 142.93 106.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 163.95 106.10 Td (including ) Tj ET Q q 0 0 0 rg BT 205.25 106.10 Td (adding ) Tj ET Q q 0 0 0 rg BT 235.99 106.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 250.92 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 269.99 106.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 305.72 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.02 106.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 362.19 106.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 386.82 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.79 106.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 432.20 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 447.39 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.13 106.10 Td (period ) Tj ET Q q 0 0 0 rg BT 492.20 106.10 Td (included ) Tj ET Q q 0 0 0 rg BT 530.16 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 541.46 106.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 113.32 94.10 Td (income ) Tj ET Q q 0 0 0 rg BT 145.54 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 159.99 94.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 199.42 94.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 224.97 94.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 232.76 94.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 249.42 94.10 Td (value ) Tj ET Q q 0 0 0 rg BT 273.86 94.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 333.85 94.10 Td (held ) Tj ET Q q 0 0 0 rg BT 353.86 94.10 Td (at ) Tj ET Q q 0 0 0 rg BT 363.86 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.87 94.10 Td (end ) Tj ET Q q 0 0 0 rg BT 396.09 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.21 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.21 94.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 461.65 94.10 Td (period ) Tj ET Q q 0 0 0 rg BT 489.99 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.21 94.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 521.46 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 539.79 94.10 Td (range ) 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 65.99 82.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 104.19 82.10 Td (average ) Tj ET Q q 0 0 0 rg BT 136.83 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.71 82.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 190.47 82.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 245.34 82.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 271.34 82.10 Td (used ) Tj ET Q q 0 0 0 rg BT 291.22 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 300.54 82.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 333.75 82.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 358.06 82.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 364.61 82.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 380.04 82.10 Td (value ) Tj ET Q q 0 0 0 rg BT 403.25 82.10 Td (measurements. ) Tj ET Q q 0 0 0 rg BT 464.50 82.10 Td (For ) Tj ET Q q 0 0 0 rg BT 479.94 82.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 508.69 82.10 Td (unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 79.77 70.10 Td (an ) Tj ET Q q 0 0 0 rg BT 92.02 70.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 117.62 70.10 Td (may ) Tj ET Q q 0 0 0 rg BT 137.65 70.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 172.69 70.10 Td (other ) Tj ET Q q 0 0 0 rg BT 196.05 70.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 246.08 70.10 Td (information ) Tj ET Q q 0 0 0 rg BT 296.11 70.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 320.59 70.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.74 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.77 70.10 Td (median ) Tj ET Q q 0 0 0 rg BT 379.03 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 390.18 70.10 Td (arithmetic ) Tj ET Q q 0 0 0 rg BT 433.53 70.10 Td (average\) ) Tj ET Q q 0 0 0 rg BT 470.76 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 481.36 70.10 Td (lieu ) Tj ET Q q 0 0 0 rg BT 499.18 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.32 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.36 70.10 Td (weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (average ) Tj ET Q q 0 0 0 rg BT 83.36 58.10 Td (if ) Tj ET Q q 0 0 0 rg BT 91.75 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.25 58.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 131.30 58.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 177.45 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 194.73 58.10 Td (other ) Tj ET Q q 0 0 0 rg BT 217.55 58.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 267.04 58.10 Td (information ) Tj ET Q q 0 0 0 rg BT 316.53 58.10 Td (would ) Tj ET Q q 0 0 0 rg BT 343.81 58.10 Td (be ) Tj ET Q q 0 0 0 rg BT 355.53 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 362.24 58.10 Td (more ) Tj ET Q q 0 0 0 rg BT 385.07 58.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 430.10 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.82 58.10 Td (rational ) Tj ET Q q 0 0 0 rg BT 479.64 58.10 Td (method ) Tj ET Q q 0 0 0 rg BT 511.92 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.97 58.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 549.79 58.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 98.88 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.99 46.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 166.07 46.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 193.29 46.10 Td (used ) Tj ET Q q 0 0 0 rg BT 214.39 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.94 46.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 259.37 46.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 284.90 46.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 292.67 46.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 309.32 46.10 Td (value ) Tj ET Q q 0 0 0 rg BT 333.75 46.10 Td (measurements. ) Tj ET Q q 0 0 0 rg BT 395.61 46.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 418.39 46.10 Td (2018-13 ) Tj ET Q q 0 0 0 rg BT 454.49 46.10 Td (will ) Tj ET Q q 0 0 0 rg BT 472.81 46.10 Td (be ) Tj ET Q q 0 0 0 rg BT 485.02 46.10 Td (ef) Tj ET Q q 0 0 0 rg BT 492.61 46.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 522.58 46.10 Td (for ) Tj ET Q q 0 0 0 rg BT 537.02 46.10 Td (public ) 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 (77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 87.21 742.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 119.40 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 134.38 742.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 159.35 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 183.76 742.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 227.07 742.10 Td (after ) Tj ET Q q 0 0 0 rg BT 248.70 742.10 Td (December ) Tj ET Q q 0 0 0 rg BT 293.10 742.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 308.91 742.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 334.73 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 375.81 742.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 408.01 742.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 440.76 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.86 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.39 742.10 Td (year ) Tj ET Q q 0 0 0 rg BT 487.91 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.55 742.10 Td (adoption. ) Tj ET Q q 0 0 0 rg BT 540.36 742.10 Td (Early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 87.66 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.00 730.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 137.98 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 152.31 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 169.41 730.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 200.96 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 211.95 730.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 241.27 730.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 271.79 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 290.00 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 331.55 730.10 Td (does ) Tj ET Q q 0 0 0 rg BT 352.55 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 367.99 730.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 396.75 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.63 730.10 Td (application ) Tj ET Q q 0 0 0 rg BT 458.73 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.72 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 486.84 730.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 525.59 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 536.04 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.58 730.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 718.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 114.97 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.47 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.19 718.10 Td (Company) Tj ET Q q 0 0 0 rg BT 183.85 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 190.24 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 227.72 718.10 Td (statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (2. ) Tj ET Q q 0 0 0 rg BT 68.00 700.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 88.38 700.10 Td (eholders) Tj ET Q q 0 0 0 rg BT 127.08 700.10 Td ( Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Common stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 664.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.80 664.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.94 664.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.52 664.10 Td (10,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.52 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.77 664.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 224.01 664.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 269.47 664.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.16 664.10 Td (7,842,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.16 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 330.41 664.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 358.65 664.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 386.90 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.59 664.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 454.51 664.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.98 664.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 524.32 664.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.32 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 664.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (10,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.23 652.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 124.46 652.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 168.89 652.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.57 652.10 Td (7,751,424) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.57 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 227.80 652.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 255.02 652.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 282.26 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.93 652.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 347.83 652.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.28 652.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 415.60 652.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.60 652.10 Td (. ) Tj ET Q q 0 0 0 rg BT 440.17 652.10 Td (The ) Tj ET Q q 0 0 0 rg BT 457.95 652.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 504.77 652.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 528.11 652.10 Td (is ) Tj ET Q q 0 0 0 rg BT 537.01 652.10 Td (traded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.22 640.10 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 121.39 640.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 145.00 640.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 185.25 640.10 Td (under ) Tj ET Q q 0 0 0 rg BT 210.52 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.23 640.10 Td (ticker ) Tj ET Q q 0 0 0 rg BT 250.50 640.10 Td (symbol ) Tj ET Q q 0 0 0 rg BT 282.45 640.10 Td (BWFG.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 622.10 Td (arrants) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 604.10 Td (On ) Tj ET Q q 0 0 0 rg BT 84.02 604.10 Td (October ) Tj ET Q q 0 0 0 rg BT 118.02 604.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 127.32 604.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 151.61 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.63 604.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 206.31 604.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 242.53 604.10 Td (Quinnipiac ) Tj ET Q q 0 0 0 rg BT 288.76 604.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 311.66 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.77 604.10 Td (T) Tj ET Q q 0 0 0 rg BT 333.52 604.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 350.32 604.10 Td (Co. ) Tj ET Q q 0 0 0 rg BT 366.28 604.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 385.02 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.59 604.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 440.26 604.10 Td (therewith, ) Tj ET Q q 0 0 0 rg BT 482.32 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.33 604.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 537.02 604.10 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (68,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.70 592.10 Td (warrants ) Tj ET Q q 0 0 0 rg BT 116.33 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.30 592.10 Td (former ) Tj ET Q q 0 0 0 rg BT 155.71 592.10 Td (Quinnipiac ) Tj ET Q q 0 0 0 rg BT 202.34 592.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 235.08 592.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 266.71 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 276.69 592.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 323.85 592.10 Td (with ) Tj ET Q q 0 0 0 rg BT 343.83 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.24 592.10 Td (mer) Tj ET Q q 0 0 0 rg BT 373.61 592.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 388.58 592.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 434.92 592.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 457.10 592.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 489.84 592.10 Td (was ) Tj ET Q q 0 0 0 rg BT 507.59 592.10 Td (automatically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 91.58 580.10 Td (into ) Tj ET Q q 0 0 0 rg BT 109.29 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 115.88 580.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 148.57 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.50 580.10 Td (purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.19 580.10 Td (0.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.69 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.84 580.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 242.99 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.47 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.84 580.10 Td (Company) Tj ET Q q 0 0 0 rg BT 309.51 580.10 Td (s ) Tj ET Q q 0 0 0 rg BT 315.55 580.10 Td (common ) Tj ET Q q 0 0 0 rg BT 352.70 580.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 375.96 580.10 Td (for ) Tj ET Q q 0 0 0 rg BT 389.78 580.10 Td (an ) Tj ET Q q 0 0 0 rg BT 401.37 580.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 436.27 580.10 Td (price ) Tj ET Q q 0 0 0 rg BT 458.41 580.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 580.10 Td ($17.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.40 580.10 Td (. ) Tj ET Q q 0 0 0 rg BT 501.05 580.10 Td (During ) Tj ET Q q 0 0 0 rg BT 531.53 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 545.90 580.10 Td (first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 80.30 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.61 568.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 115.09 568.10 Td (all ) Tj ET Q q 0 0 0 rg BT 127.07 568.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 169.59 568.10 Td (warrants ) Tj ET Q q 0 0 0 rg BT 206.00 568.10 Td (were ) Tj ET Q q 0 0 0 rg BT 227.41 568.10 Td (exercised. ) Tj ET Q q 0 0 0 rg BT 269.50 568.10 Td (The ) Tj ET Q q 0 0 0 rg BT 287.03 568.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 327.90 568.10 Td (does ) Tj ET Q q 0 0 0 rg BT 348.21 568.10 Td (not ) Tj ET Q q 0 0 0 rg BT 362.97 568.10 Td (have ) Tj ET Q q 0 0 0 rg BT 383.83 568.10 Td (any ) Tj ET Q q 0 0 0 rg BT 400.25 568.10 Td (warrants ) Tj ET Q q 0 0 0 rg BT 436.66 568.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 485.30 568.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.62 568.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 568.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 556.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 520.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.29 520.10 Td (Company) Tj ET Q q 0 0 0 rg BT 127.96 520.10 Td (s ) Tj ET Q q 0 0 0 rg BT 134.60 520.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 187.88 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 202.84 520.10 Td (entitled ) Tj ET Q q 0 0 0 rg BT 235.58 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.10 520.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 287.74 520.10 Td (when ) Tj ET Q q 0 0 0 rg BT 312.15 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.33 520.10 Td (if ) Tj ET Q q 0 0 0 rg BT 338.19 520.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 374.80 520.10 Td (by ) Tj ET Q q 0 0 0 rg BT 387.55 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.51 520.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 429.70 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.78 520.10 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 483.23 520.10 Td (out ) Tj ET Q q 0 0 0 rg BT 498.76 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.84 520.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 534.81 520.10 Td (legally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 90.18 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 107.45 508.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 134.72 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.77 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.71 508.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 199.32 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.82 508.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 224.98 508.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 265.58 508.10 Td (depends, ) Tj ET Q q 0 0 0 rg BT 302.57 508.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.07 508.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 331.84 508.10 Td (on ) Tj ET Q q 0 0 0 rg BT 343.56 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.49 508.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 384.77 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.82 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.75 508.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 431.58 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.08 508.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 457.24 508.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 497.85 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 507.34 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.28 508.10 Td (Company) Tj ET Q q 0 0 0 rg BT 559.52 508.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.69 496.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 108.01 496.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.14 496.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 178.82 496.10 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 213.67 496.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 257.12 496.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 294.47 496.10 Td (is ) Tj ET Q q 0 0 0 rg BT 303.49 496.10 Td (required ) Tj ET Q q 0 0 0 rg BT 339.17 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.30 496.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 366.10 496.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 407.34 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.48 496.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 445.93 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.62 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.20 496.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 495.08 496.10 Td (s ) Tj ET Q q 0 0 0 rg BT 501.33 496.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 529.80 496.10 Td (retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.73 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.89 484.10 Td (current ) Tj ET Q q 0 0 0 rg BT 104.15 484.10 Td (year ) Tj ET Q q 0 0 0 rg BT 123.31 484.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 141.92 484.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 176.07 484.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 204.13 484.10 Td (from ) Tj ET Q q 0 0 0 rg BT 225.51 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.68 484.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 276.06 484.10 Td (two ) Tj ET Q q 0 0 0 rg BT 293.01 484.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 318.42 484.10 Td (The ) Tj ET Q q 0 0 0 rg BT 335.91 484.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 358.97 484.10 Td (is ) Tj ET Q q 0 0 0 rg BT 367.58 484.10 Td (also ) Tj ET Q q 0 0 0 rg BT 385.64 484.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 428.69 484.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.08 484.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 479.24 484.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 520.07 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 537.02 484.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 79.15 472.10 Td (its ) Tj ET Q q 0 0 0 rg BT 91.09 472.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 120.24 472.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 144.96 472.10 Td (below ) Tj ET Q q 0 0 0 rg BT 171.90 472.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 213.29 472.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 256.88 472.10 Td (requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 442.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.43 442.10 Td (did ) Tj ET Q q 0 0 0 rg BT 142.71 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 157.99 442.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 203.80 442.10 Td (any ) Tj ET Q q 0 0 0 rg BT 220.73 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.56 442.10 Td (its ) Tj ET Q q 0 0 0 rg BT 243.51 442.10 Td (common ) Tj ET Q q 0 0 0 rg BT 281.01 442.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 304.62 442.10 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.22 442.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.22 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 355.72 442.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.55 442.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.55 442.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (3. ) Tj ET Q q 0 0 0 rg BT 68.00 424.10 Td (Goodwill and other) Tj ET Q q 0 0 0 rg BT 150.61 424.10 Td ( intangible assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 406.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 118.26 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 130.76 406.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 168.82 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 182.98 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.70 406.10 Td (year ) Tj ET Q q 0 0 0 rg BT 217.40 406.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.78 406.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 302.37 406.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.37 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.87 406.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.80 406.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 364.30 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 373.47 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 384.30 406.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 368.6 m 470.5 368.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 368.6 m 562.5 368.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 325.6 m 470.5 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 311.6 m 470.5 311.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 309.6 m 470.5 309.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 325.6 m 562.5 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 311.6 m 562.5 311.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 309.6 m 562.5 309.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 405.95 380.83 Td (Y) Tj ET Q q 0 0 0 rg BT 410.84 380.83 Td (ear) Tj ET Q q 0 0 0 rg BT 421.80 380.83 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.75 372.83 Td (December) Tj ET Q q 0 0 0 rg BT 428.25 372.83 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.95 380.83 Td (Y) Tj ET Q q 0 0 0 rg BT 502.84 380.83 Td (ear) Tj ET Q q 0 0 0 rg BT 513.80 380.83 Td ( Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 485.75 372.83 Td (December) Tj ET Q q 0 0 0 rg BT 520.25 372.83 Td (31, 2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 447.65 359.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 345.27 Td (Balance, beginning of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.00 345.17 Td (..............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.00 345.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 345.27 Td (2,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.00 345.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 345.27 Td (2,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 330.27 Td (Impairment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.50 330.17 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 330.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 330.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 315.27 Td (Balance, end of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.00 315.17 Td (........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.00 315.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 315.27 Td (2,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.00 315.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 315.27 Td (2,589) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 293.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.33 293.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 128.00 293.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 147.56 293.10 Td (for ) Tj ET Q q 0 0 0 rg BT 161.00 293.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 198.33 293.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 246.21 293.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 282.43 293.10 Td (as ) Tj ET Q q 0 0 0 rg BT 292.54 293.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.65 293.10 Td (June30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 333.48 297.63 Td (th) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.54 293.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.82 293.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.04 293.10 Td ( ) Tj ET Q q 0 0 0 rg BT 356.82 293.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 404.70 293.10 Td (was ) Tj ET Q q 0 0 0 rg BT 422.03 293.10 Td (required ) Tj ET Q q 0 0 0 rg BT 457.13 293.10 Td (to ) Tj ET Q q 0 0 0 rg BT 466.69 293.10 Td (be ) Tj ET Q q 0 0 0 rg BT 477.91 293.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 514.67 293.10 Td (on ) Tj ET Q q 0 0 0 rg BT 526.45 293.10 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.16 281.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.16 281.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.66 281.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.49 281.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.49 281.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 263.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.65 263.10 Td (table ) Tj ET Q q 0 0 0 rg BT 109.18 263.10 Td (below ) Tj ET Q q 0 0 0 rg BT 135.72 263.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 172.26 263.10 Td (information ) Tj ET Q q 0 0 0 rg BT 221.57 263.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 261.98 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.30 263.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 311.71 263.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 347.70 263.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.24 263.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 416.87 263.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 469.50 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.93 263.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 522.01 263.10 Td (intangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.57 251.10 Td (as ) Tj ET Q q 0 0 0 rg BT 86.15 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.72 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.18 251.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 133.97 251.10 Td (set ) Tj ET Q q 0 0 0 rg BT 147.32 251.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 169.01 251.10 Td (below) Tj ET Q q 0 0 0 rg BT 192.80 251.10 Td (. ) Tj ET Q q 0 0 0 rg BT 197.38 251.10 Td (The ) Tj ET Q q 0 0 0 rg BT 215.17 251.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 257.95 251.10 Td (net ) Tj ET Q q 0 0 0 rg BT 272.41 251.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 314.65 251.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 336.33 251.10 Td (as ) Tj ET Q q 0 0 0 rg BT 346.90 251.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.48 251.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 415.80 251.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.80 251.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.05 251.10 Td (will ) Tj ET Q q 0 0 0 rg BT 455.85 251.10 Td (be ) Tj ET Q q 0 0 0 rg BT 467.53 251.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 509.75 251.10 Td (over ) Tj ET Q q 0 0 0 rg BT 529.77 251.10 Td (a ) Tj ET Q q 0 0 0 rg BT 536.45 251.10 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 239.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.09 239.10 Td (4 ) Tj ET Q q 0 0 0 rg BT 128.59 239.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.69 239.10 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 201.60000000000002 m 439.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 201.60000000000002 m 443.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 201.60000000000002 m 499.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 201.60000000000002 m 503.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 201.60000000000002 m 562.5 201.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.00 213.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 386.63 213.83 Td (oss Intangible) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 396.35 205.83 Td (Asset) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.30 213.83 Td (Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.10 205.83 Td (Amortization) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.90 213.83 Td (Net Intangible) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.35 205.83 Td (Asset) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 442.65 192.83 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 179.28 Td (December) Tj ET Q q 0 0 0 rg BT 96.22 179.28 Td (31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 164.27 Td (Core deposit intangible) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 164.17 Td (.........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.00 164.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 164.27 Td (1,029) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.00 164.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 164.27 Td (739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.00 164.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 164.27 Td (290) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 150.28 Td (December) Tj ET Q q 0 0 0 rg BT 96.13 150.28 Td (31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 135.27 Td (Core deposit intangible) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 135.17 Td (.........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.00 135.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 135.27 Td (1,029) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.00 135.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 135.27 Td (647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.00 135.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 135.27 Td (382) Tj ET Q BT /F1 10.00 Tf ET 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 (78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (4. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.66 724.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 131.75 724.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 153.47 724.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 177.70 724.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 222.45 724.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 246.67 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 264.22 724.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 291.22 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 308.77 724.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 325.76 724.25 Td (values ) Tj ET Q q 0 0 0 rg BT 354.42 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 365.86 724.25 Td (available ) Tj ET Q q 0 0 0 rg BT 405.06 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 419.83 724.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 438.49 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 456.04 724.25 Td (held ) Tj ET Q q 0 0 0 rg BT 476.37 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 487.26 724.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 524.26 724.25 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (segregated ) Tj ET Q q 0 0 0 rg BT 95.25 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 107.75 712.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 154.67 712.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 191.05 712.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.77 712.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 259.36 712.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.36 712.25 Td ( ) Tj ET Q q 0 0 0 rg BT 281.86 712.25 Td (were ) Tj ET Q q 0 0 0 rg BT 303.78 712.25 Td (as ) Tj ET Q q 0 0 0 rg BT 314.61 712.25 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 682.75 m 340.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 682.75 m 344.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 682.75 m 414.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 682.75 m 418.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 682.75 m 488.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 682.75 m 492.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 682.75 m 562.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 669.75 m 414.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 669.75 m 418.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 669.75 m 488.5 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0 J 0 j 3 M 492.5 182.75 m 562.5 182.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 180.75 m 562.5 180.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.75 686.98 Td (December) Tj ET Q q 0 0 0 rg BT 418.32 686.98 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.75 668.98 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.20 660.98 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.45 673.98 Td (Gr) Tj ET Q q 0 0 0 rg BT 396.15 673.98 Td (oss Unr) Tj ET Q q 0 0 0 rg BT 422.01 673.98 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 509.15 660.98 Td (Fair) Tj ET Q q 0 0 0 rg BT 523.74 660.98 Td ( ) Tj ET Q q 0 0 0 rg BT 525.59 660.98 Td (V) Tj ET Q q 0 0 0 rg BT 530.93 660.98 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.95 660.98 Td (Gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.85 660.98 Td (Losses) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 391.65 647.98 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 634.43 Td (A) Tj ET Q q 0 0 0 rg BT 59.85 634.43 Td (vailable for) Tj ET Q q 0 0 0 rg BT 107.99 634.43 Td ( sale securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 634.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 619.42 Td (U.S. Government and agency obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 604.42 Td (Less than one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 604.32 Td (.....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.00 604.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 604.42 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 604.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 604.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.00 604.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 604.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 479.63 604.47 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 604.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 604.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 604.42 Td (989) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 589.42 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 589.32 Td (..............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 589.42 Td (12,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 589.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.30 589.47 Td (\(161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 589.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 589.42 Td (1) Tj ET Q q 0 0 0 rg BT 536.15 589.42 Td (1,864) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 574.42 Td (Due from five through tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.50 574.32 Td (...............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 574.42 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 574.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.30 574.47 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 574.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 574.42 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 559.42 Td (Due after tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 559.32 Td (....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 559.42 Td (70,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 559.42 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.80 559.47 Td (\(1,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 559.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 559.42 Td (69,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 544.42 Td (83,815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 544.42 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.80 544.47 Td (\(1,686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 544.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 544.42 Td (82,136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 514.42 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 499.42 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 499.32 Td (..............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 499.42 Td (2,234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 499.42 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 499.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 499.42 Td (2,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 484.42 Td (Due from five through tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.50 484.32 Td (...............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 484.42 Td (1,261) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 484.42 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 484.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 484.42 Td (1,279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 469.42 Td (Due after tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 469.32 Td (....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 469.42 Td (528) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 469.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 469.47 Td (\(52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 469.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 469.42 Td (476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 454.42 Td (4,023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 454.42 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 454.47 Td (\(52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 454.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 454.42 Td (4,007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 424.42 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 409.42 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 409.32 Td (..............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 409.42 Td (7,061) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 409.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 409.47 Td (\(50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 409.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 409.42 Td (7,01) Tj ET Q q 0 0 0 rg BT 553.65 409.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 379.43 Td (T) Tj ET Q q 0 0 0 rg BT 77.21 379.43 Td (otal available for) Tj ET Q q 0 0 0 rg BT 148.87 379.43 Td ( sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.00 379.32 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.00 379.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 379.42 Td (94,899) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 379.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 379.42 Td (43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.00 379.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.80 379.47 Td (\(1,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 379.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 379.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 379.42 Td (93,154) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 351.43 Td (Held to maturity securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 336.42 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 321.42 Td (Less than one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 321.32 Td (.....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.00 321.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 321.42 Td (3,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 321.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 321.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.00 321.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 321.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 321.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 321.42 Td (3,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 306.42 Td (Due after tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 306.32 Td (....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 306.42 Td (16,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.65 306.42 Td (669) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.30 306.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 474.63 306.47 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 306.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 306.42 Td (16,990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 291.42 Td (20,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.65 291.42 Td (675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.30 291.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 474.63 291.47 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 291.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 291.42 Td (20,890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 261.42 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 246.42 Td (Less than one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 246.32 Td (.....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.15 246.42 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 246.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 246.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 246.42 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 216.42 Td (Government-sponsored mortgage backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 201.42 Td (No contractual maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.00 201.32 Td (............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 201.42 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 201.42 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 201.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 201.42 Td (98) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 186.43 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 186.43 Td (otal held to maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.50 186.32 Td (.......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.00 186.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 186.42 Td (21,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 186.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.65 186.42 Td (680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.00 186.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.30 186.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 474.63 186.47 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 186.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 186.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 186.42 Td (21,988) Tj ET Q BT /F1 10.00 Tf ET 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 (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 724.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.76 724.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 129.96 724.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 151.79 724.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 176.12 724.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 220.97 724.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 245.30 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.95 724.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 290.06 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.72 724.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 324.81 724.10 Td (values ) Tj ET Q q 0 0 0 rg BT 353.58 724.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.12 724.10 Td (available ) Tj ET Q q 0 0 0 rg BT 404.43 724.10 Td (for ) Tj ET Q q 0 0 0 rg BT 419.30 724.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 438.07 724.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.72 724.10 Td (held ) Tj ET Q q 0 0 0 rg BT 476.16 724.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.15 724.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 524.25 724.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (segregated ) Tj ET Q q 0 0 0 rg BT 95.25 712.10 Td (by ) Tj ET Q q 0 0 0 rg BT 107.75 712.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 154.67 712.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 191.05 712.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.77 712.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 259.36 712.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.36 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.86 712.10 Td (were ) Tj ET Q q 0 0 0 rg BT 303.78 712.10 Td (as ) Tj ET Q q 0 0 0 rg BT 314.61 712.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 682.6 m 370.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 682.6 m 374.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 682.6 m 434.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 682.6 m 438.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 682.6 m 498.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 682.6 m 502.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 682.6 m 562.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 669.6 m 434.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 669.6 m 438.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 669.6 m 498.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 656.6 m 370.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 656.6 m 434.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 669.6 m 498.5 669.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 656.6 m 498.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 656.6 m 562.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 569.6 m 370.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 569.6 m 434.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 569.6 m 498.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 569.6 m 562.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 554.6 m 370.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 554.6 m 434.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 554.6 m 498.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 554.6 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 310.5 479.6 m 370.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 479.6 m 434.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 479.6 m 498.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 479.6 m 562.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 464.6 m 370.5 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 464.6 m 434.5 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 464.6 m 498.5 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 464.6 m 562.5 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 419.6 m 370.5 419.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 419.6 m 434.5 419.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 419.6 m 498.5 419.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 419.6 m 562.5 419.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 403.6 m 370.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 405.6 m 370.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 403.6 m 434.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 405.6 m 434.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 403.6 m 498.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 405.6 m 498.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 403.6 m 562.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 405.6 m 562.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 316.6 m 370.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 316.6 m 434.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 316.6 m 498.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 316.6 m 562.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 301.6 m 370.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 301.6 m 434.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 301.6 m 498.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 301.6 m 562.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 211.60000000000002 m 370.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 211.60000000000002 m 434.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 211.60000000000002 m 498.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 211.60000000000002 m 562.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 197.60000000000002 m 370.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 195.60000000000002 m 370.5 195.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 197.60000000000002 m 434.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 195.60000000000002 m 434.5 195.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 197.60000000000002 m 498.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 195.60000000000002 m 498.5 195.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 197.60000000000002 m 562.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 195.60000000000002 m 562.5 195.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 403.75 686.83 Td (December) Tj ET Q q 0 0 0 rg BT 438.32 686.83 Td ( 31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.75 668.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 332.20 660.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.45 673.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 416.15 673.83 Td (oss Unr) Tj ET Q q 0 0 0 rg BT 442.01 673.83 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.15 660.83 Td (Fair) Tj ET Q q 0 0 0 rg BT 528.74 660.83 Td ( ) Tj ET Q q 0 0 0 rg BT 530.59 660.83 Td (V) Tj ET Q q 0 0 0 rg BT 535.93 660.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.95 660.83 Td (Gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 456.85 660.83 Td (Losses) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 411.65 647.83 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 634.28 Td (A) Tj ET Q q 0 0 0 rg BT 59.85 634.28 Td (vailable for) Tj ET Q q 0 0 0 rg BT 107.99 634.28 Td ( sale securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 619.27 Td (U.S. Government and agency obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 604.27 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 604.17 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 604.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 604.27 Td (13,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 604.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 604.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 604.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 604.32 Td (\(82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 604.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 604.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 604.27 Td (12,918) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 589.27 Td (Due from five through tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.50 589.17 Td (...............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 589.27 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 589.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.30 589.32 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 589.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 589.27 Td (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 574.27 Td (Due after tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 574.17 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 574.27 Td (59,924) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 574.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.30 574.32 Td (\(174) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 574.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 574.27 Td (59,760) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 559.27 Td (73,024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 559.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.30 559.32 Td (\(260) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 559.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 559.27 Td (72,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 529.27 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 514.27 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 514.17 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 514.27 Td (2,873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 514.27 Td (84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 514.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 514.27 Td (2,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 499.27 Td (Due from five through tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.50 499.17 Td (...............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 499.27 Td (7,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 499.27 Td (228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 499.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 499.27 Td (7,614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 484.27 Td (Due after tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 484.17 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 484.27 Td (1,700) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 484.27 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 484.32 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 484.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 484.27 Td (1,706) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 469.27 Td (1) Tj ET Q q 0 0 0 rg BT 344.15 469.27 Td (1,959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 469.27 Td (345) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 469.32 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 469.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 469.27 Td (12,277) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 439.27 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 424.27 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 424.17 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 424.27 Td (7,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 424.27 Td (41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 424.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 424.27 Td (7,137) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 409.28 Td (T) Tj ET Q q 0 0 0 rg BT 77.21 409.28 Td (otal available for) Tj ET Q q 0 0 0 rg BT 148.87 409.28 Td ( sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 409.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 409.27 Td (92,079) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 409.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 409.27 Td (396) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 409.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.30 409.32 Td (\(287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 409.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 409.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 409.27 Td (92,188) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 381.28 Td (Held to maturity securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 366.27 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 351.27 Td (Less than one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 351.17 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 351.27 Td (198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 351.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 351.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 351.27 Td (203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 336.27 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 336.17 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 336.27 Td (3,880) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 336.27 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 336.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 336.27 Td (3,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 321.27 Td (Due after tenyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 321.17 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 321.27 Td (16,387) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 321.27 Td (1,227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 321.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 321.27 Td (17,614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 306.27 Td (20,465) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 306.27 Td (1,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 306.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 306.27 Td (21,717) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 276.27 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 261.27 Td (Due from one through fiveyears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 261.17 Td (..............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 261.27 Td (1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 261.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.30 261.32 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 261.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 261.27 Td (995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 231.27 Td (Government-sponsored mortgage backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 216.27 Td (No contractual maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.00 216.17 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 216.27 Td (1) Tj ET Q q 0 0 0 rg BT 356.65 216.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 216.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 216.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 216.27 Td (124) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 201.28 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 201.28 Td (otal held to maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.50 201.17 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 201.27 Td (21,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 201.27 Td (1,262) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.30 201.32 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 201.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 201.27 Td (22,836) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 179.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.47 179.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 110.51 179.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 144.08 179.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 167.11 179.10 Td (on ) Tj ET Q q 0 0 0 rg BT 179.04 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.18 179.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 210.66 179.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.91 179.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 266.72 179.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 306.41 179.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.55 179.10 Td ($0.2 ) Tj ET Q q 0 0 0 rg BT 354.98 179.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.87 179.10 Td ( ) Tj ET Q q 0 0 0 rg BT 385.79 179.10 Td (for ) Tj ET Q q 0 0 0 rg BT 399.38 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.52 179.10 Td (year ) Tj ET Q q 0 0 0 rg BT 432.66 179.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.46 179.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 516.47 179.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.47 179.10 Td (. ) Tj ET Q q 0 0 0 rg BT 540.90 179.10 Td (Sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 87.51 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.93 167.10 Td (calls ) Tj ET Q q 0 0 0 rg BT 124.23 167.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.42 167.10 Td ($12.4 ) Tj ET Q q 0 0 0 rg BT 177.90 167.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.79 167.10 Td ( ) Tj ET Q q 0 0 0 rg BT 208.76 167.10 Td (for ) Tj ET Q q 0 0 0 rg BT 222.40 167.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.59 167.10 Td (year ) Tj ET Q q 0 0 0 rg BT 255.78 167.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.63 167.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 339.69 167.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.69 167.10 Td (. ) Tj ET Q q 0 0 0 rg BT 364.02 167.10 Td (The ) Tj ET Q q 0 0 0 rg BT 381.55 167.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 404.64 167.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 438.26 167.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 464.12 167.10 Td (on ) Tj ET Q q 0 0 0 rg BT 476.10 167.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.29 167.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 507.82 167.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.12 167.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 89.49 155.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.43 155.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 137.66 155.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.77 155.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.50 155.10 Td (for ) Tj ET Q q 0 0 0 rg BT 188.89 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.83 155.10 Td (year ) Tj ET Q q 0 0 0 rg BT 221.77 155.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.37 155.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 305.19 155.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.19 155.10 Td (. ) Tj ET Q q 0 0 0 rg BT 329.29 155.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.56 155.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 369.41 155.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 402.78 155.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 425.61 155.10 Td (on ) Tj ET Q q 0 0 0 rg BT 437.34 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.29 155.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 468.56 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.62 155.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 524.23 155.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.11 143.10 Td ($0.2 ) Tj ET Q q 0 0 0 rg BT 98.50 143.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.39 143.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.28 143.10 Td (for ) Tj ET Q q 0 0 0 rg BT 142.84 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.95 143.10 Td (year ) Tj ET Q q 0 0 0 rg BT 176.05 143.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.82 143.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 259.80 143.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.80 143.10 Td (. ) Tj ET Q q 0 0 0 rg BT 284.05 143.10 Td (There ) Tj ET Q q 0 0 0 rg BT 309.26 143.10 Td (were ) Tj ET Q q 0 0 0 rg BT 330.58 143.10 Td (no ) Tj ET Q q 0 0 0 rg BT 342.48 143.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 365.48 143.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 399.02 143.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 424.80 143.10 Td (on ) Tj ET Q q 0 0 0 rg BT 436.70 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.81 143.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 468.25 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.47 143.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 524.25 143.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 131.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.88 131.10 Td (year ) Tj ET Q q 0 0 0 rg BT 98.58 131.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.96 131.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 183.54 131.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.54 131.10 Td (. ) Tj ET Q q 0 0 0 rg BT 208.54 131.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 232.15 131.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 270.19 131.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.13 131.10 Td (calls ) Tj ET Q q 0 0 0 rg BT 307.95 131.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.88 131.10 Td ($60.4 ) Tj ET Q q 0 0 0 rg BT 354.88 131.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.77 131.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.27 131.10 Td (for ) Tj ET Q q 0 0 0 rg BT 400.43 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.15 131.10 Td (year ) Tj ET Q q 0 0 0 rg BT 434.86 131.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.24 131.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 519.82 131.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.82 131.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 113.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.00 113.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 140.08 113.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.08 113.10 Td ( ) Tj ET Q q 0 0 0 rg BT 162.08 113.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.52 113.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 236.60 113.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.60 113.10 Td (, ) Tj ET Q q 0 0 0 rg BT 261.10 113.10 Td (none ) Tj ET Q q 0 0 0 rg BT 282.53 113.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.86 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.08 113.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 353.66 113.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 393.42 113.10 Td (were ) Tj ET Q q 0 0 0 rg BT 414.85 113.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 448.50 113.10 Td (as ) Tj ET Q q 0 0 0 rg BT 458.83 113.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 498.02 113.10 Td (with ) Tj ET Q q 0 0 0 rg BT 517.80 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.02 113.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 101.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 76.94 101.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 99.99 101.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 123.59 101.10 Td (\("FHLB"\) ) Tj ET Q q 0 0 0 rg BT 166.48 101.10 Td (or ) Tj ET Q q 0 0 0 rg BT 177.31 101.10 Td (any ) Tj ET Q q 0 0 0 rg BT 194.25 101.10 Td (other ) Tj ET Q q 0 0 0 rg BT 217.29 101.10 Td (institution.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 83.10 Td (As ) Tj ET Q q 0 0 0 rg BT 83.70 83.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.61 83.10 Td (December ) Tj ET Q q 0 0 0 rg BT 138.27 83.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 153.36 83.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 178.44 83.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.24 83.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 219.69 83.10 Td (duration ) Tj ET Q q 0 0 0 rg BT 255.60 83.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.51 83.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.31 83.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 328.47 83.10 Td (available ) Tj ET Q q 0 0 0 rg BT 367.14 83.10 Td (for ) Tj ET Q q 0 0 0 rg BT 381.38 83.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 399.51 83.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 439.86 83.10 Td (were ) Tj ET Q q 0 0 0 rg BT 461.87 83.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 514.44 83.10 Td (shorter ) Tj ET Q q 0 0 0 rg BT 544.79 83.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 71.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 71.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 99.99 71.10 Td (maturities.) 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 (80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 141.08 742.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.08 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.57 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.29 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 219.67 742.10 Td (held ) Tj ET Q q 0 0 0 rg BT 239.38 742.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 286.30 742.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 313.79 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 354.05 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 374.33 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 381.26 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 397.63 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 421.79 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.72 742.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 481.20 742.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 499.80 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.63 742.10 Td ($2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.13 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 530.63 742.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 564.52 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.37 730.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 116.62 730.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 155.75 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 167.68 730.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 214.05 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 224.32 730.10 Td (mutual ) Tj ET Q q 0 0 0 rg BT 254.58 730.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 279.29 730.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 307.33 730.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 341.48 730.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 375.63 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 384.79 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 395.06 730.10 Td (make ) Tj ET Q q 0 0 0 rg BT 419.20 730.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 469.46 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 483.61 730.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 503.62 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.11 730.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 546.47 730.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 718.10 Td (did ) Tj ET Q q 0 0 0 rg BT 106.67 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 121.94 718.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 142.22 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 159.16 718.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 206.08 718.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 233.57 718.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 273.84 718.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.55 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 342.14 718.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.14 718.10 Td (. ) Tj ET Q q 0 0 0 rg BT 367.14 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 700.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.08 700.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.51 700.10 Td (table ) Tj ET Q q 0 0 0 rg BT 151.48 700.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 188.45 700.10 Td (information ) Tj ET Q q 0 0 0 rg BT 238.20 700.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 279.05 700.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 325.47 700.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 365.77 700.10 Td (with ) Tj ET Q q 0 0 0 rg BT 386.09 700.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 430.26 700.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 459.19 700.10 Td (aggregated ) Tj ET Q q 0 0 0 rg BT 505.59 700.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.13 700.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (category ) Tj ET Q q 0 0 0 rg BT 86.64 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.30 688.10 Td (length ) Tj ET Q q 0 0 0 rg BT 130.51 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.06 688.10 Td (time ) Tj ET Q q 0 0 0 rg BT 161.05 688.10 Td (that ) Tj ET Q q 0 0 0 rg BT 178.27 688.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 221.04 688.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 261.02 688.10 Td (had ) Tj ET Q q 0 0 0 rg BT 277.67 688.10 Td (been ) Tj ET Q q 0 0 0 rg BT 298.77 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.77 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 315.42 688.10 Td (continuous ) Tj ET Q q 0 0 0 rg BT 361.53 688.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 405.39 688.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 423.17 688.10 Td (position ) Tj ET Q q 0 0 0 rg BT 457.61 688.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.05 688.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 525.35 688.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.35 688.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 688.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 676.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 646.6 m 170.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 646.6 m 174.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 646.6 m 219.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 646.6 m 223.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 646.6 m 268.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 646.6 m 272.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 646.6 m 317.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 646.6 m 321.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 646.6 m 366.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 646.6 m 370.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 646.6 m 415.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 633.6 m 170.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 633.6 m 174.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 633.6 m 219.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 633.6 m 223.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 633.6 m 268.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 633.6 m 317.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 633.6 m 321.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 633.6 m 366.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 633.6 m 370.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 633.6 m 415.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 633.6 m 464.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 633.6 m 468.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 633.6 m 513.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 633.6 m 517.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 633.6 m 562.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 588.6 m 170.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 633.6 m 219.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 588.6 m 219.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 633.6 m 268.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 588.6 m 268.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 588.6 m 317.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 633.6 m 366.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 588.6 m 366.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 633.6 m 415.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 588.6 m 415.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 588.6 m 464.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 633.6 m 513.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 588.6 m 513.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 633.6 m 562.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 588.6 m 562.5 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 491.6 m 170.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 491.6 m 219.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 491.6 m 268.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 491.6 m 317.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 491.6 m 366.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 491.6 m 415.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 491.6 m 464.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 491.6 m 513.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 491.6 m 562.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 471.6 m 170.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 469.6 m 170.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 471.6 m 219.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 469.6 m 219.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 471.6 m 268.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 469.6 m 268.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 471.6 m 317.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 469.6 m 317.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 471.6 m 366.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 469.6 m 366.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 471.6 m 415.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 469.6 m 415.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 471.6 m 464.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 469.6 m 464.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 471.6 m 513.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 469.6 m 513.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 471.6 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 517.5 469.6 m 562.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 386.6 m 170.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 386.6 m 219.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 386.6 m 268.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 386.6 m 317.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 386.6 m 366.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 386.6 m 415.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 386.6 m 464.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 386.6 m 513.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 386.6 m 562.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 366.6 m 170.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 364.6 m 170.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 366.6 m 219.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 364.6 m 219.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 366.6 m 268.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 364.6 m 268.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 366.6 m 317.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 364.6 m 317.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 366.6 m 366.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 364.6 m 366.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 366.6 m 415.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 364.6 m 415.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 366.6 m 464.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 364.6 m 464.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 366.6 m 513.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 364.6 m 513.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 366.6 m 562.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 364.6 m 562.5 364.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 175.40 650.83 Td (Length of ) Tj ET Q q 0 0 0 rg BT 210.44 650.83 Td (T) Tj ET Q q 0 0 0 rg BT 215.63 650.83 Td (ime in Continuous Unr) Tj ET Q q 0 0 0 rg BT 293.95 650.83 Td (ealized Loss Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 159.75 637.83 Td (Less ) Tj ET Q q 0 0 0 rg BT 176.79 637.83 Td (Than 12 Months) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.40 637.83 Td (12 Months or) Tj ET Q q 0 0 0 rg BT 356.11 637.83 Td ( Mor) Tj ET Q q 0 0 0 rg BT 373.06 637.83 Td (e) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 637.83 Td (T) Tj ET Q q 0 0 0 rg BT 486.35 637.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 140.20 600.83 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 137.85 592.83 Td (V) Tj ET Q q 0 0 0 rg BT 142.89 592.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 177.90 600.83 Td (Unr) Tj ET Q q 0 0 0 rg BT 191.53 600.83 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 188.70 592.83 Td (Loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 232.45 624.83 Td (Per) Tj ET Q q 0 0 0 rg BT 244.29 624.83 Td (cent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 232.80 616.83 Td (Decline ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.10 608.83 Td (fr) Tj ET Q q 0 0 0 rg BT 243.17 608.83 Td (om) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 227.25 600.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.70 592.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.20 600.83 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.85 592.83 Td (V) Tj ET Q q 0 0 0 rg BT 289.89 592.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 324.90 600.83 Td (Unr) Tj ET Q q 0 0 0 rg BT 338.53 600.83 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 335.70 592.83 Td (Loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.45 624.83 Td (Per) Tj ET Q q 0 0 0 rg BT 391.29 624.83 Td (cent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.80 616.83 Td (Decline ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.10 608.83 Td (fr) Tj ET Q q 0 0 0 rg BT 390.17 608.83 Td (om) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.25 600.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.70 592.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.20 600.83 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.85 592.83 Td (V) Tj ET Q q 0 0 0 rg BT 436.89 592.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.90 600.83 Td (Unr) Tj ET Q q 0 0 0 rg BT 485.53 600.83 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.70 592.83 Td (Loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.45 624.83 Td (Per) Tj ET Q q 0 0 0 rg BT 538.29 624.83 Td (cent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.80 616.83 Td (Decline ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 531.10 608.83 Td (fr) Tj ET Q q 0 0 0 rg BT 537.17 608.83 Td (om) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.25 600.83 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 531.70 592.83 Td (Cost) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 319.15 579.83 Td (\(In thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 566.83 Td (December) Tj ET Q q 0 0 0 rg BT 87.57 566.83 Td ( 31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 553.85 Td (U.S. Government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 545.85 Td (and agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 537.85 Td (obligations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 537.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.00 537.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.25 537.85 Td (4,990) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.00 537.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.60 537.85 Td (\(38) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 537.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 537.85 Td (0.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 537.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 537.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.25 537.85 Td (72,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 537.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.60 537.85 Td (\(1,648) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 537.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 537.85 Td (2.22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 537.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.00 537.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.25 537.85 Td (77,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.00 537.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.60 537.85 Td (\(1,686) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 537.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 537.85 Td (2.12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 537.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 524.85 Td (State agency and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 516.85 Td (municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 508.85 Td (obligations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 508.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.25 508.85 Td (8,212) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 508.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 208.26 508.85 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 508.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 508.85 Td (1.36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 508.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.30 508.85 Td (476) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.60 508.85 Td (\(52) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 508.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 508.85 Td (9.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 508.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 508.85 Td (8,688) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.60 508.85 Td (\(165) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 508.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 508.85 Td (1.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 508.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 495.85 Td (Corporate bonds) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 108.00 495.55 Td (.......) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.25 495.85 Td (2,033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.60 495.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 212.26 495.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 495.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 495.85 Td (0.51) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 495.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.25 495.85 Td (4,978) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.60 495.85 Td (\(39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 495.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 495.85 Td (0.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 495.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.25 495.85 Td (7,01) Tj ET Q q 0 0 0 rg BT 457.25 495.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.60 495.85 Td (\(50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 495.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 495.85 Td (0.70) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 495.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 482.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.61 482.85 Td (otal investment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 474.85 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 474.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.25 474.85 Td (15,235) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 474.85 Td (\(162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 474.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 474.85 Td (1.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 474.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.25 474.85 Td (78,130) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.60 474.85 Td (\(1,739) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 474.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 474.85 Td (2.18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 474.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.25 474.85 Td (93,365) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.60 474.85 Td (\(1,901) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 474.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 474.85 Td (2.00) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 474.85 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 461.83 Td (December) Tj ET Q q 0 0 0 rg BT 87.50 461.83 Td ( 31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 448.85 Td (U.S. Government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 440.85 Td (and agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 432.85 Td (obligations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 432.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.00 432.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.25 432.85 Td (70,419) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.00 432.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 432.85 Td (\(225) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 432.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 432.85 Td (0.32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 432.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 432.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.25 432.85 Td (2,064) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 432.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.60 432.85 Td (\(35) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 432.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 432.85 Td (1.67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 432.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.00 432.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.25 432.85 Td (72,483) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.00 432.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.60 432.85 Td (\(260) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 432.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 432.85 Td (0.36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 432.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 419.85 Td (State agency and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 411.85 Td (municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 403.85 Td (obligations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 403.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 403.85 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 403.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 403.85 Td (0.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 403.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.30 403.85 Td (656) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.60 403.85 Td (\(27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 403.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 403.85 Td (3.95) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 403.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.30 403.85 Td (748) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.60 403.85 Td (\(27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 403.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 403.85 Td (3.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 403.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 390.85 Td (Corporate bonds) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 108.00 390.55 Td (.......) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 390.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 390.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 390.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 390.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.30 390.85 Td (995) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.60 390.85 Td (\(5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 390.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 390.85 Td (0.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 390.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.30 390.85 Td (995) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.60 390.85 Td (\(5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 390.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 390.85 Td (0.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 390.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 377.85 Td (T) Tj ET Q q 0 0 0 rg BT 63.33 377.85 Td (otal investment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 369.85 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.00 369.55 Td (................) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.25 369.85 Td (70,51) Tj ET Q q 0 0 0 rg BT 163.25 369.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 369.85 Td (\(225) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 369.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.25 369.85 Td (0.32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.30 369.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.25 369.85 Td (3,715) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.60 369.85 Td (\(67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 369.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 369.85 Td (1.77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 369.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.25 369.85 Td (74,226) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.60 369.85 Td (\(292) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.30 369.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 369.85 Td (0.39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 369.85 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 348.10 Td (There ) Tj ET Q q 0 0 0 rg BT 97.22 348.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.55 348.10 Td (twenty-five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.65 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.55 348.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.90 348.10 Td (fifteen) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.99 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.89 348.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 263.35 348.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 311.14 348.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 352.81 348.10 Td (as ) Tj ET Q q 0 0 0 rg BT 365.04 348.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.28 348.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 437.26 348.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.26 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 461.17 348.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.51 348.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.50 348.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 348.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 336.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 336.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.66 336.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.94 336.10 Td (which ) Tj ET Q q 0 0 0 rg BT 139.88 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.59 336.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 170.97 336.10 Td (value ) Tj ET Q q 0 0 0 rg BT 195.13 336.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.96 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.67 336.10 Td (security ) Tj ET Q q 0 0 0 rg BT 254.83 336.10 Td (was ) Tj ET Q q 0 0 0 rg BT 272.88 336.10 Td (less ) Tj ET Q q 0 0 0 rg BT 290.38 336.10 Td (than ) Tj ET Q q 0 0 0 rg BT 310.10 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.81 336.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 367.29 336.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 385.90 336.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.73 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.45 336.10 Td (security) Tj ET Q q 0 0 0 rg BT 442.46 336.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 318.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.03 318.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 108.29 318.10 Td (Government ) Tj ET Q q 0 0 0 rg BT 160.75 318.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.67 318.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 208.47 318.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 255.39 318.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 284.53 318.10 Td (are ) Tj ET Q q 0 0 0 rg BT 299.22 318.10 Td (either ) Tj ET Q q 0 0 0 rg BT 324.46 318.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 349.70 318.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 396.63 318.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.43 318.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.13 318.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 442.39 318.10 Td (Government ) Tj ET Q q 0 0 0 rg BT 494.86 318.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.67 318.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 552.01 318.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.17 306.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 85.91 306.10 Td (Government, ) Tj ET Q q 0 0 0 rg BT 141.35 306.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 180.40 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.57 306.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 242.94 306.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 263.67 306.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 288.85 306.10 Td (are ) Tj ET Q q 0 0 0 rg BT 304.01 306.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 350.83 306.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.23 306.10 Td (as ) Tj ET Q q 0 0 0 rg BT 379.51 306.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.91 306.10 Td (result ) Tj ET Q q 0 0 0 rg BT 412.08 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.25 306.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 467.97 306.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.71 306.10 Td (this ) Tj ET Q q 0 0 0 rg BT 496.11 306.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 534.06 306.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.23 306.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 95.82 294.10 Td (other ) Tj ET Q q 0 0 0 rg BT 118.86 294.10 Td (than ) Tj ET Q q 0 0 0 rg BT 138.58 294.10 Td (temporarily ) Tj ET Q q 0 0 0 rg BT 187.73 294.10 Td (impaired.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 276.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.59 276.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 128.52 276.10 Td (continually ) Tj ET Q q 0 0 0 rg BT 175.55 276.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 213.14 276.10 Td (its ) Tj ET Q q 0 0 0 rg BT 224.63 276.10 Td (state ) Tj ET Q q 0 0 0 rg BT 245.00 276.10 Td (agency) Tj ET Q q 0 0 0 rg BT 272.67 276.10 Td (, ) Tj ET Q q 0 0 0 rg BT 277.21 276.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 319.24 276.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.72 276.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 375.51 276.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 397.55 276.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 438.48 276.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.96 276.10 Td (at ) Tj ET Q q 0 0 0 rg BT 464.22 276.10 Td (this ) Tj ET Q q 0 0 0 rg BT 480.71 276.10 Td (time ) Tj ET Q q 0 0 0 rg BT 500.52 276.10 Td (these ) Tj ET Q q 0 0 0 rg BT 523.11 276.10 Td (portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 264.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.26 264.10 Td (minimal ) Tj ET Q q 0 0 0 rg BT 106.97 264.10 Td (default ) Tj ET Q q 0 0 0 rg BT 137.11 264.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 154.49 264.10 Td (because ) Tj ET Q q 0 0 0 rg BT 188.51 264.10 Td (state ) Tj ET Q q 0 0 0 rg BT 209.22 264.10 Td (agency) Tj ET Q q 0 0 0 rg BT 236.88 264.10 Td (, ) Tj ET Q q 0 0 0 rg BT 241.76 264.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 284.13 264.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.95 264.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 341.08 264.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 367.35 264.10 Td (are ) Tj ET Q q 0 0 0 rg BT 381.94 264.10 Td (all ) Tj ET Q q 0 0 0 rg BT 394.32 264.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 416.68 264.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 462.94 264.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 487.53 264.10 Td (or ) Tj ET Q q 0 0 0 rg BT 498.24 264.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 531.71 264.10 Td (to ) Tj ET Q q 0 0 0 rg BT 541.87 264.10 Td (be ) Tj ET Q q 0 0 0 rg BT 553.69 264.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 252.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.38 252.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 121.09 252.10 Td (quality) Tj ET Q q 0 0 0 rg BT 148.21 252.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 234.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.53 234.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 128.40 234.10 Td (has ) Tj ET Q q 0 0 0 rg BT 143.72 234.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.92 234.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 182.67 234.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.10 234.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 226.63 234.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.39 234.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 261.14 234.10 Td (its ) Tj ET Q q 0 0 0 rg BT 272.57 234.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 318.44 234.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 358.19 234.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.95 234.10 Td (an ) Tj ET Q q 0 0 0 rg BT 379.37 234.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 423.00 234.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 440.54 234.10 Td (position ) Tj ET Q q 0 0 0 rg BT 474.75 234.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 234.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.02 234.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 222.10 Td (until ) Tj ET Q q 0 0 0 rg BT 70.83 222.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.55 222.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 116.92 222.10 Td (in ) Tj ET Q q 0 0 0 rg BT 127.20 222.10 Td (value ) Tj ET Q q 0 0 0 rg BT 151.36 222.10 Td (has ) Tj ET Q q 0 0 0 rg BT 167.19 222.10 Td (recovered ) Tj ET Q q 0 0 0 rg BT 209.10 222.10 Td (or ) Tj ET Q q 0 0 0 rg BT 219.93 222.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.65 222.10 Td (security ) Tj ET Q q 0 0 0 rg BT 268.80 222.10 Td (has ) Tj ET Q q 0 0 0 rg BT 284.63 222.10 Td (matured.) 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 (81) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (5. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Loans Receivable and ) Tj ET Q q 0 0 0 rg BT 163.29 742.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 222.81 742.25 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The following table sets forth a summary of the loan portfolio at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.94 724.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.52 724.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.96 724.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.96 724.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 700.75 m 451.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 700.75 m 562.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 627.75 m 451.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 627.75 m 562.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 582.75 m 451.5 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 582.75 m 562.5 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 522.75 m 451.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 522.75 m 562.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 508.75 m 451.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 506.75 m 451.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 508.75 m 562.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 506.75 m 562.5 506.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.25 704.98 Td (December) Tj ET Q q 0 0 0 rg BT 399.82 704.98 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.25 704.98 Td (December) Tj ET Q q 0 0 0 rg BT 510.75 704.98 Td ( 31, 2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 426.65 691.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 677.42 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 662.42 Td (Residential) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.50 662.32 Td (.............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 662.42 Td (178,079) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 662.42 Td (193,524) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 647.42 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.50 647.32 Td (...........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 647.42 Td (1,094,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 647.42 Td (987,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 632.42 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.00 632.32 Td (..........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 632.42 Td (73,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 632.42 Td (101,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 617.42 Td (1,345,336) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 617.42 Td (1,282,402) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 602.42 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 602.32 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 602.42 Td (258,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 602.42 Td (259,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 587.42 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 587.32 Td (.................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 587.42 Td (412) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 587.42 Td (619) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 572.42 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 572.42 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.00 572.32 Td (........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 572.42 Td (1,604,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 572.42 Td (1,543,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 557.42 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.00 557.32 Td (........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.80 557.47 Td (\(15,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.65 557.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 557.47 Td (\(18,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 557.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 542.42 Td (Deferred loan origination fees, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.00 542.32 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.80 542.47 Td (\(2,497) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.65 542.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 542.47 Td (\(3,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 542.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 527.42 Td (Unamortized loan premiums) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.50 527.32 Td (...................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 527.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 527.42 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 512.43 Td (Loans r) Tj ET Q q 0 0 0 rg BT 115.88 512.43 Td (eceivable, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.50 512.32 Td (.................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 512.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 512.42 Td (1,586,775) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 512.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 512.42 Td (1,520,879) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 490.25 Td (Lending ) Tj ET Q q 0 0 0 rg BT 105.22 490.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 143.22 490.25 Td (are ) Tj ET Q q 0 0 0 rg BT 157.33 490.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 200.32 490.25 Td (principally ) Tj ET Q q 0 0 0 rg BT 245.54 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 255.22 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.34 490.25 Td (New ) Tj ET Q q 0 0 0 rg BT 289.84 490.25 Td (Y) Tj ET Q q 0 0 0 rg BT 296.06 490.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 311.29 490.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 364.28 490.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 385.33 490.25 Td (including ) Tj ET Q q 0 0 0 rg BT 425.00 490.25 Td (Fairfield ) Tj ET Q q 0 0 0 rg BT 461.33 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 477.67 490.25 Td (New ) Tj ET Q q 0 0 0 rg BT 498.45 490.25 Td (Haven ) Tj ET Q q 0 0 0 rg BT 526.45 490.25 Td (Counties ) 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 60.64 478.25 Td (Connecticut, ) Tj ET Q q 0 0 0 rg BT 113.77 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 130.52 478.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 160.62 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.26 478.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 215.22 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 231.97 478.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 281.48 478.25 Td (real ) Tj ET Q q 0 0 0 rg BT 298.78 478.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 323.85 478.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 349.77 478.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 399.28 478.25 Td (business ) Tj ET Q q 0 0 0 rg BT 435.49 478.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 458.91 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.66 478.25 Td (a ) Tj ET Q q 0 0 0 rg BT 482.41 478.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 512.48 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 523.13 478.25 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 77.71 466.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 106.25 466.25 Td (may ) Tj ET Q q 0 0 0 rg BT 127.57 466.25 Td (also ) Tj ET Q q 0 0 0 rg BT 147.78 466.25 Td (be ) Tj ET Q q 0 0 0 rg BT 161.32 466.25 Td (granted ) Tj ET Q q 0 0 0 rg BT 195.40 466.25 Td (for ) Tj ET Q q 0 0 0 rg BT 211.16 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 227.48 466.25 Td (construction ) Tj ET Q q 0 0 0 rg BT 281.02 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.45 466.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 339.20 466.25 Td (homes ) Tj ET Q q 0 0 0 rg BT 369.41 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 387.95 466.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 439.25 466.25 Td (properties. ) Tj ET Q q 0 0 0 rg BT 484.93 466.25 Td (All ) Tj ET Q q 0 0 0 rg BT 501.81 466.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 547.56 466.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.70 454.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 139.96 454.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 163.57 454.25 Td (are ) Tj ET Q q 0 0 0 rg BT 178.28 454.25 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 234.63 454.25 Td (by ) Tj ET Q q 0 0 0 rg BT 247.13 454.25 Td (first ) Tj ET Q q 0 0 0 rg BT 265.74 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 276.57 454.25 Td (second ) Tj ET Q q 0 0 0 rg BT 306.84 454.25 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 350.99 454.25 Td (on ) Tj ET Q q 0 0 0 rg BT 363.49 454.25 Td (real ) Tj ET Q q 0 0 0 rg BT 380.98 454.25 Td (estate.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (Risk management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 418.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.13 418.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.60 418.25 Td (has ) Tj ET Q q 0 0 0 rg BT 145.51 418.25 Td (established ) Tj ET Q q 0 0 0 rg BT 192.53 418.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 217.88 418.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 251.56 418.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 295.23 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.60 418.25 Td (each ) Tj ET Q q 0 0 0 rg BT 326.49 418.25 Td (type ) Tj ET Q q 0 0 0 rg BT 346.29 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.21 418.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 389.79 418.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 422.36 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 432.72 418.25 Td (which ) Tj ET Q q 0 0 0 rg BT 459.74 418.25 Td (it ) Tj ET Q q 0 0 0 rg BT 467.88 418.25 Td (engages. ) Tj ET Q q 0 0 0 rg BT 504.98 418.25 Td (The ) Tj ET Q q 0 0 0 rg BT 523.11 418.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 89.66 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.33 406.25 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 172.89 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.67 406.25 Td (each ) Tj ET Q q 0 0 0 rg BT 204.45 406.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 243.56 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.45 406.25 Td (extends ) Tj ET Q q 0 0 0 rg BT 293.46 406.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 318.68 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 329.47 406.25 Td (up ) Tj ET Q q 0 0 0 rg BT 341.93 406.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.16 406.25 Td (80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.49 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 372.95 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.74 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.41 406.25 Td (market ) Tj ET Q q 0 0 0 rg BT 428.63 406.25 Td (value ) Tj ET Q q 0 0 0 rg BT 452.74 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.53 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 478.21 406.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 520.36 406.25 Td (depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 61.96 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.15 394.25 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 120.45 394.25 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 188.51 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 204.91 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 219.10 394.25 Td (type ) Tj ET Q q 0 0 0 rg BT 238.28 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.57 394.25 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 290.09 394.25 Td (The ) Tj ET Q q 0 0 0 rg BT 307.60 394.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 344.62 394.25 Td () Tj ET Q q 0 0 0 rg BT 347.40 394.25 Td (s ) Tj ET Q q 0 0 0 rg BT 353.26 394.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 380.77 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 390.52 394.25 Td (service ) Tj ET Q q 0 0 0 rg BT 420.80 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.98 394.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 454.16 394.25 Td (is ) Tj ET Q q 0 0 0 rg BT 462.79 394.25 Td (monitored ) Tj ET Q q 0 0 0 rg BT 505.86 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 517.83 394.25 Td (an ) Tj ET Q q 0 0 0 rg BT 529.23 394.25 Td (ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 75.82 382.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 97.46 382.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 123.54 382.25 Td (is ) Tj ET Q q 0 0 0 rg BT 133.52 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.05 382.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 184.02 382.25 Td (form ) Tj ET Q q 0 0 0 rg BT 206.78 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.42 382.25 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 261.44 382.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 287.52 382.25 Td (important ) Tj ET Q q 0 0 0 rg BT 329.72 382.25 Td (forms ) Tj ET Q q 0 0 0 rg BT 356.36 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.01 382.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 408.52 382.25 Td (are ) Tj ET Q q 0 0 0 rg BT 424.04 382.25 Td (business ) Tj ET Q q 0 0 0 rg BT 461.25 382.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 490.40 382.25 Td (time ) Tj ET Q q 0 0 0 rg BT 511.48 382.25 Td (deposits ) 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 (marketable ) Tj ET Q q 0 0 0 rg BT 96.91 370.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 139.49 370.25 Td (While ) Tj ET Q q 0 0 0 rg BT 166.41 370.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 206.10 370.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 243.04 370.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 284.40 370.25 Td (as ) Tj ET Q q 0 0 0 rg BT 295.22 370.25 Td (a ) Tj ET Q q 0 0 0 rg BT 302.15 370.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 345.18 370.25 Td (source ) Tj ET Q q 0 0 0 rg BT 373.77 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 384.59 370.25 Td (repayment, ) Tj ET Q q 0 0 0 rg BT 431.79 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 446.50 370.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 487.88 370.25 Td (ordinarily ) Tj ET Q q 0 0 0 rg BT 529.80 370.25 Td (requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.88 358.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 99.21 358.25 Td (source ) Tj ET Q q 0 0 0 rg BT 127.97 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 138.97 358.25 Td (repayment ) Tj ET Q q 0 0 0 rg BT 183.84 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 198.17 358.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 248.03 358.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 274.31 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 284.75 358.25 Td (be ) Tj ET Q q 0 0 0 rg BT 296.86 358.25 Td (based ) Tj ET Q q 0 0 0 rg BT 322.30 358.25 Td (on ) Tj ET Q q 0 0 0 rg BT 334.96 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.85 358.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 386.87 358.25 Td () Tj ET Q q 0 0 0 rg BT 389.65 358.25 Td (s ) Tj ET Q q 0 0 0 rg BT 396.21 358.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 424.43 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 434.87 358.25 Td (generate ) Tj ET Q q 0 0 0 rg BT 471.40 358.25 Td (continuing ) Tj ET Q q 0 0 0 rg BT 516.84 358.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 537.28 358.25 Td (flows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (In ) Tj ET Q q 0 0 0 rg BT 61.72 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.33 346.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 105.16 346.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 136.86 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.58 346.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 171.97 346.25 Td (management ) Tj ET Q q 0 0 0 rg BT 226.45 346.25 Td (made ) Tj ET Q q 0 0 0 rg BT 251.50 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.10 346.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 304.37 346.25 Td (decision ) Tj ET Q q 0 0 0 rg BT 341.08 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.25 346.25 Td (no ) Tj ET Q q 0 0 0 rg BT 365.64 346.25 Td (longer ) Tj ET Q q 0 0 0 rg BT 394.58 346.25 Td (originate ) Tj ET Q q 0 0 0 rg BT 433.51 346.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 478.55 346.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 519.70 346.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 546.46 346.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 334.25 Td (s ) Tj ET Q q 0 0 0 rg BT 98.84 334.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 127.12 334.25 Td (for ) Tj ET Q q 0 0 0 rg BT 142.07 334.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 187.01 334.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 220.29 334.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 260.78 334.25 Td (required ) Tj ET Q q 0 0 0 rg BT 297.38 334.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 318.16 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.66 334.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 366.94 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 378.56 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.06 334.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 414.57 334.25 Td (may ) Tj ET Q q 0 0 0 rg BT 435.07 334.25 Td (not ) Tj ET Q q 0 0 0 rg BT 451.13 334.25 Td (exceed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.17 334.25 Td (80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 503.79 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 515.41 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 334.25 Td (original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (appraised ) Tj ET Q q 0 0 0 rg BT 91.71 322.25 Td (value ) Tj ET Q q 0 0 0 rg BT 116.77 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.49 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.11 322.25 Td (property) Tj ET Q q 0 0 0 rg BT 177.33 322.25 Td (. ) Tj ET Q q 0 0 0 rg BT 183.23 322.25 Td (In ) Tj ET Q q 0 0 0 rg BT 194.96 322.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 225.56 322.25 Td (situations, ) Tj ET Q q 0 0 0 rg BT 269.79 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 285.41 322.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 318.80 322.25 Td (may ) Tj ET Q q 0 0 0 rg BT 339.41 322.25 Td (have ) Tj ET Q q 0 0 0 rg BT 361.69 322.25 Td (exceeded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.28 322.25 Td (80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.61 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 424.00 322.25 Td (L) Tj ET Q q 0 0 0 rg BT 429.20 322.25 Td (TV) Tj ET Q q 0 0 0 rg BT 442.34 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 445.74 322.25 Td (either ) Tj ET Q q 0 0 0 rg BT 471.90 322.25 Td (with ) Tj ET Q q 0 0 0 rg BT 493.08 322.25 Td (private ) Tj ET Q q 0 0 0 rg BT 524.24 322.25 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.81 310.25 Td (being ) Tj ET Q q 0 0 0 rg BT 115.53 310.25 Td (required ) Tj ET Q q 0 0 0 rg BT 151.34 310.25 Td (for ) Tj ET Q q 0 0 0 rg BT 165.50 310.25 Td (that ) Tj ET Q q 0 0 0 rg BT 183.00 310.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 214.38 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 225.21 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.93 310.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 284.08 310.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 303.79 310.25 Td (in ) Tj ET Q q 0 0 0 rg BT 314.07 310.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 342.67 310.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.50 310.25 Td (80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.83 310.25 Td ( ) Tj ET Q q 0 0 0 rg BT 374.33 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.16 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.87 310.25 Td (appraised ) Tj ET Q q 0 0 0 rg BT 440.69 310.25 Td (value ) Tj ET Q q 0 0 0 rg BT 464.84 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 475.67 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.39 310.25 Td (property ) Tj ET Q q 0 0 0 rg BT 526.76 310.25 Td (or ) Tj ET Q q 0 0 0 rg BT 537.59 310.25 Td (where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 92.85 298.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 132.92 298.25 Td (is ) Tj ET Q q 0 0 0 rg BT 141.90 298.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 179.75 298.25 Td (by ) Tj ET Q q 0 0 0 rg BT 192.06 298.25 Td (a ) Tj ET Q q 0 0 0 rg BT 198.81 298.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 232.79 298.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 271.20 298.25 Td (program ) Tj ET Q q 0 0 0 rg BT 307.38 298.25 Td (second ) Tj ET Q q 0 0 0 rg BT 337.46 298.25 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 380.03 298.25 Td (a ) Tj ET Q q 0 0 0 rg BT 386.78 298.25 Td (community) Tj ET Q q 0 0 0 rg BT 435.11 298.25 Td (s ) Tj ET Q q 0 0 0 rg BT 441.31 298.25 Td (low/moderate ) Tj ET Q q 0 0 0 rg BT 498.60 298.25 Td (income ) Tj ET Q q 0 0 0 rg BT 530.34 298.25 Td (housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (program, ) Tj ET Q q 0 0 0 rg BT 88.88 286.25 Td (or ) Tj ET Q q 0 0 0 rg BT 99.71 286.25 Td (a ) Tj ET Q q 0 0 0 rg BT 106.65 286.25 Td (religious ) Tj ET Q q 0 0 0 rg BT 144.14 286.25 Td (or ) Tj ET Q q 0 0 0 rg BT 154.97 286.25 Td (civic ) Tj ET Q q 0 0 0 rg BT 176.90 286.25 Td (or) Tj ET Q q 0 0 0 rg BT 185.05 286.25 Td (ganization.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 61.48 268.25 Td (edit quality of loans and the allowance for) Tj ET Q q 0 0 0 rg BT 239.92 268.25 Td ( loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 250.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 125.55 250.25 Td (segregates ) Tj ET Q q 0 0 0 rg BT 170.54 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.10 250.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.67 250.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 245.01 250.25 Td (into ) Tj ET Q q 0 0 0 rg BT 263.91 250.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 297.24 250.25 Td (segments, ) Tj ET Q q 0 0 0 rg BT 340.30 250.25 Td (which ) Tj ET Q q 0 0 0 rg BT 368.09 250.25 Td (are ) Tj ET Q q 0 0 0 rg BT 383.64 250.25 Td (used ) Tj ET Q q 0 0 0 rg BT 405.32 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 416.44 250.25 Td (develop ) Tj ET Q q 0 0 0 rg BT 451.44 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.23 250.25 Td (document ) Tj ET Q q 0 0 0 rg BT 512.01 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 519.79 250.25 Td (systematic ) 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 81.74 238.25 Td (for ) Tj ET Q q 0 0 0 rg BT 95.14 238.25 Td (determining ) Tj ET Q q 0 0 0 rg BT 145.21 238.25 Td (its ) Tj ET Q q 0 0 0 rg BT 156.40 238.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 198.67 238.25 Td (for ) Tj ET Q q 0 0 0 rg BT 212.08 238.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 231.04 238.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 259.04 238.25 Td (The ) Tj ET Q q 0 0 0 rg BT 276.33 238.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 313.07 238.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 352.03 238.25 Td (are ) Tj ET Q q 0 0 0 rg BT 365.98 238.25 Td (segregated ) Tj ET Q q 0 0 0 rg BT 410.48 238.25 Td (based ) Tj ET Q q 0 0 0 rg BT 434.99 238.25 Td (on ) Tj ET Q q 0 0 0 rg BT 446.73 238.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 465.69 238.25 Td (types ) Tj ET Q q 0 0 0 rg BT 488.55 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 504.73 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.69 238.25 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 66.43 226.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 95.07 226.25 Td (present ) Tj ET Q q 0 0 0 rg BT 125.38 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 134.59 226.25 Td (each ) Tj ET Q q 0 0 0 rg BT 154.34 226.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 172.99 226.25 Td (type. ) Tj ET Q q 0 0 0 rg BT 194.14 226.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 215.57 226.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 232.00 226.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 260.64 226.25 Td (are ) Tj ET Q q 0 0 0 rg BT 274.28 226.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 323.47 226.25 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 361.55 226.25 Td (by ) Tj ET Q q 0 0 0 rg BT 372.98 226.25 Td (management ) Tj ET Q q 0 0 0 rg BT 425.50 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 441.37 226.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 471.68 226.25 Td (as ) Tj ET Q q 0 0 0 rg BT 481.44 226.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 513.97 226.25 Td (appropriate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 208.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 208.25 Td (Company) Tj ET Q q 0 0 0 rg BT 129.71 208.25 Td (s ) Tj ET Q q 0 0 0 rg BT 136.10 208.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 155.82 208.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 193.32 208.25 Td (is ) Tj ET Q q 0 0 0 rg BT 202.49 208.25 Td (segregated ) Tj ET Q q 0 0 0 rg BT 247.74 208.25 Td (into ) Tj ET Q q 0 0 0 rg BT 265.80 208.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.51 208.25 Td (following ) Tj ET Q q 0 0 0 rg BT 321.90 208.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 359.39 208.25 Td (segments:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 190.25 Td (Residential ) Tj ET Q q 0 0 0 rg BT 117.75 190.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 138.84 190.25 Td (Estate:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.17 190.25 Td () Tj ET Q q 0 0 0 rg BT 174.49 190.25 Td (This ) Tj ET Q q 0 0 0 rg BT 195.03 190.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 232.79 190.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 268.88 190.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 303.31 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.40 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 329.38 190.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 376.03 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.12 190.25 Td (first ) Tj ET Q q 0 0 0 rg BT 406.00 190.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 446.52 190.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 470.40 190.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 503.70 190.25 Td (by ) Tj ET Q q 0 0 0 rg BT 516.46 190.25 Td (one-to-four ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (family ) Tj ET Q q 0 0 0 rg BT 78.32 178.25 Td (owner ) Tj ET Q q 0 0 0 rg BT 105.52 178.25 Td (occupied ) Tj ET Q q 0 0 0 rg BT 143.83 178.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 187.69 178.25 Td (properties ) Tj ET Q q 0 0 0 rg BT 229.89 178.25 Td (for ) Tj ET Q q 0 0 0 rg BT 243.76 178.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 279.85 178.25 Td (use ) Tj ET Q q 0 0 0 rg BT 295.40 178.25 Td (located ) Tj ET Q q 0 0 0 rg BT 326.48 178.25 Td (in ) Tj ET Q q 0 0 0 rg BT 336.47 178.25 Td (our ) Tj ET Q q 0 0 0 rg BT 352.02 178.25 Td (market ) Tj ET Q q 0 0 0 rg BT 382.00 178.25 Td (area. ) Tj ET Q q 0 0 0 rg BT 403.19 178.25 Td (This ) Tj ET Q q 0 0 0 rg BT 423.19 178.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 458.72 178.25 Td (also ) Tj ET Q q 0 0 0 rg BT 477.05 178.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 512.58 178.25 Td (home ) Tj ET Q q 0 0 0 rg BT 537.01 178.25 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.11 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 89.55 166.25 Td (home ) Tj ET Q q 0 0 0 rg BT 113.77 166.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 140.76 166.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 161.65 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.98 166.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 196.75 166.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 229.28 166.25 Td (by ) Tj ET Q q 0 0 0 rg BT 241.29 166.25 Td (owner ) Tj ET Q q 0 0 0 rg BT 268.28 166.25 Td (occupied ) Tj ET Q q 0 0 0 rg BT 306.37 166.25 Td (one-to-four ) Tj ET Q q 0 0 0 rg BT 353.91 166.25 Td (family ) Tj ET Q q 0 0 0 rg BT 382.01 166.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 425.67 166.25 Td (properties. ) Tj ET Q q 0 0 0 rg BT 470.15 166.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 496.59 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.92 166.25 Td (this ) Tj ET Q q 0 0 0 rg BT 523.37 166.25 Td (type ) Tj ET Q q 0 0 0 rg BT 542.59 166.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (written ) Tj ET Q q 0 0 0 rg BT 81.10 154.25 Td (at ) Tj ET Q q 0 0 0 rg BT 91.09 154.25 Td (a ) Tj ET Q q 0 0 0 rg BT 98.31 154.25 Td (combined ) Tj ET Q q 0 0 0 rg BT 140.51 154.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 183.84 154.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.95 154.25 Td (80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.28 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 216.05 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.16 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 242.15 154.25 Td (appraised ) Tj ET Q q 0 0 0 rg BT 283.24 154.25 Td (value ) Tj ET Q q 0 0 0 rg BT 307.67 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 318.77 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.76 154.25 Td (property ) Tj ET Q q 0 0 0 rg BT 370.42 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 387.63 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 402.62 154.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 444.28 154.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 479.26 154.25 Td (a ) Tj ET Q q 0 0 0 rg BT 486.48 154.25 Td (first ) Tj ET Q q 0 0 0 rg BT 505.36 154.25 Td (or ) Tj ET Q q 0 0 0 rg BT 516.47 154.25 Td (second ) Tj ET Q q 0 0 0 rg BT 547.01 154.25 Td (lien ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (position ) Tj ET Q q 0 0 0 rg BT 84.73 142.25 Td (on ) Tj ET Q q 0 0 0 rg BT 97.23 142.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.94 142.25 Td (property) Tj ET Q q 0 0 0 rg BT 145.17 142.25 Td (. ) Tj ET Q q 0 0 0 rg BT 149.99 142.25 Td (These ) Tj ET Q q 0 0 0 rg BT 176.37 142.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 199.98 142.25 Td (can ) Tj ET Q q 0 0 0 rg BT 216.35 142.25 Td (be ) Tj ET Q q 0 0 0 rg BT 228.29 142.25 Td (af) Tj ET Q q 0 0 0 rg BT 235.88 142.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 262.80 142.25 Td (by ) Tj ET Q q 0 0 0 rg BT 275.30 142.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 316.67 142.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 360.84 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 377.78 142.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.50 142.25 Td (values ) Tj ET Q q 0 0 0 rg BT 420.54 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 431.37 142.25 Td (the ) Tj ET Q q 0 0 0 rg BT 446.09 142.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 491.91 142.25 Td (properties.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 124.25 Td (Commer) Tj ET Q q 0 0 0 rg BT 104.07 124.25 Td (cial ) Tj ET Q q 0 0 0 rg BT 121.44 124.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 142.14 124.25 Td (Estate:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.96 124.25 Td (This ) Tj ET Q q 0 0 0 rg BT 198.11 124.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 235.48 124.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 271.18 124.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 306.87 124.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 330.35 124.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 363.26 124.25 Td (by ) Tj ET Q q 0 0 0 rg BT 375.64 124.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 425.21 124.25 Td (real ) Tj ET Q q 0 0 0 rg BT 442.56 124.25 Td (estate, ) Tj ET Q q 0 0 0 rg BT 470.20 124.25 Td (multi-family ) Tj ET Q q 0 0 0 rg BT 523.12 124.25 Td (dwellings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.22 112.25 Td (investor) Tj ET Q q 0 0 0 rg BT 99.24 112.25 Td (-owned ) Tj ET Q q 0 0 0 rg BT 132.01 112.25 Td (one-to-four ) Tj ET Q q 0 0 0 rg BT 180.33 112.25 Td (family ) Tj ET Q q 0 0 0 rg BT 209.22 112.25 Td (dwellings. ) Tj ET Q q 0 0 0 rg BT 253.39 112.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 280.61 112.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 313.93 112.25 Td (by ) Tj ET Q q 0 0 0 rg BT 326.71 112.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 376.69 112.25 Td (real ) Tj ET Q q 0 0 0 rg BT 394.46 112.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 420.01 112.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 460.00 112.25 Td (have ) Tj ET Q q 0 0 0 rg BT 481.66 112.25 Td (lar) Tj ET Q q 0 0 0 rg BT 492.02 112.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 507.57 112.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.57 112.25 Td (balances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 100.25 Td (more ) Tj ET Q q 0 0 0 rg BT 89.99 100.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.25 100.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 132.75 100.25 Td (than ) Tj ET Q q 0 0 0 rg BT 152.47 100.25 Td (owner ) Tj ET Q q 0 0 0 rg BT 179.96 100.25 Td (occupied ) Tj ET Q q 0 0 0 rg BT 218.55 100.25 Td (one-to-four ) Tj ET Q q 0 0 0 rg BT 266.59 100.25 Td (family ) Tj ET Q q 0 0 0 rg BT 295.19 100.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 335.45 100.25 Td (loans.) 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 (82) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Construction:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.06 742.10 Td (This ) Tj ET Q q 0 0 0 rg BT 155.55 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 195.25 742.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 233.29 742.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 271.33 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 323.24 742.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 377.38 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 403.20 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 419.58 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 471.48 742.10 Td (development ) Tj ET Q q 0 0 0 rg BT 527.85 742.10 Td (projects, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.05 730.10 Td (condominiums, ) Tj ET Q q 0 0 0 rg BT 154.27 730.10 Td (apartment ) Tj ET Q q 0 0 0 rg BT 196.53 730.10 Td (buildings, ) Tj ET Q q 0 0 0 rg BT 238.54 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.25 730.10 Td (single ) Tj ET Q q 0 0 0 rg BT 281.42 730.10 Td (family ) Tj ET Q q 0 0 0 rg BT 309.80 730.10 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 362.08 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 372.69 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 392.19 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 402.80 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 410.94 730.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 428.21 730.10 Td (buildings, ) Tj ET Q q 0 0 0 rg BT 470.21 730.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 493.03 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.75 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 532.57 730.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (producing ) Tj ET Q q 0 0 0 rg BT 93.09 718.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 135.62 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.60 718.10 Td (land ) Tj ET Q q 0 0 0 rg BT 172.35 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 198.50 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 225.48 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 240.23 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 263.88 718.10 Td (made ) Tj ET Q q 0 0 0 rg BT 288.08 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.40 718.10 Td (land ) Tj ET Q q 0 0 0 rg BT 328.16 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 339.03 718.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 381.27 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 392.14 718.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 429.95 718.10 Td (this ) Tj ET Q q 0 0 0 rg BT 446.94 718.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 484.48 718.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 520.35 718.10 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 101.98 706.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 125.63 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.95 706.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 182.94 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.26 706.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 225.22 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.98 706.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 291.96 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.83 706.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 347.03 706.10 Td (dwellings ) Tj ET Q q 0 0 0 rg BT 388.46 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 402.66 706.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 439.08 706.10 Td (use ) Tj ET Q q 0 0 0 rg BT 454.95 706.10 Td (located ) Tj ET Q q 0 0 0 rg BT 486.37 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 496.69 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 512.56 706.10 Td (market ) Tj ET Q q 0 0 0 rg BT 542.87 706.10 Td (area. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Construction ) Tj ET Q q 0 0 0 rg BT 103.62 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.01 694.10 Td (land ) Tj ET Q q 0 0 0 rg BT 139.18 694.10 Td (development ) Tj ET Q q 0 0 0 rg BT 192.78 694.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 232.50 694.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 271.66 694.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 307.50 694.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 337.20 694.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 361.92 694.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 378.87 694.10 Td (than ) Tj ET Q q 0 0 0 rg BT 398.04 694.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 439.43 694.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 479.15 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 491.10 694.10 Td (improved, ) Tj ET Q q 0 0 0 rg BT 533.88 694.10 Td (owner) Tj ET Q q 0 0 0 rg BT 558.67 694.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 88.51 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 99.26 682.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 126.66 682.10 Td (real ) Tj ET Q q 0 0 0 rg BT 144.07 682.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 171.75 682.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 192.51 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.26 682.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 221.24 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 233.66 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.51 682.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 292.36 682.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 312.00 682.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 347.19 682.10 Td (lar) Tj ET Q q 0 0 0 rg BT 357.55 682.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 377.19 682.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 399.61 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.24 682.10 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 452.18 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.93 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.57 682.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 503.32 682.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 539.05 682.10 Td (of ) 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 (value ) Tj ET Q q 0 0 0 rg BT 74.18 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.04 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.78 670.10 Td (property ) Tj ET Q q 0 0 0 rg BT 136.19 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 145.93 670.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 193.45 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.30 670.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 256.26 670.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 298.22 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.52 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.26 670.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 364.11 670.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 382.75 670.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 426.38 670.10 Td (interest\) ) Tj ET Q q 0 0 0 rg BT 461.67 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.52 670.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 524.48 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 670.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 105.00 658.10 Td (If ) Tj ET Q q 0 0 0 rg BT 114.71 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.98 658.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 166.35 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.73 658.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 230.22 658.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 249.38 658.10 Td (proves ) Tj ET Q q 0 0 0 rg BT 279.09 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.92 658.10 Td (be ) Tj ET Q q 0 0 0 rg BT 302.41 658.10 Td (inaccurate, ) Tj ET Q q 0 0 0 rg BT 349.04 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.31 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 406.25 658.10 Td (may ) Tj ET Q q 0 0 0 rg BT 426.52 658.10 Td (be ) Tj ET Q q 0 0 0 rg BT 439.01 658.10 Td (required ) Tj ET Q q 0 0 0 rg BT 475.38 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.21 658.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 522.01 658.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.91 646.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 107.04 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.94 646.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 154.62 646.10 Td (originally ) Tj ET Q q 0 0 0 rg BT 196.19 646.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 241.65 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 252.12 646.10 Td (order ) Tj ET Q q 0 0 0 rg BT 275.90 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.37 646.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 316.82 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.73 646.10 Td (value ) Tj ET Q q 0 0 0 rg BT 356.07 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.09 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.99 646.10 Td (property) Tj ET Q q 0 0 0 rg BT 415.22 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 420.41 646.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 459.44 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 464.62 646.10 Td (if ) Tj ET Q q 0 0 0 rg BT 473.42 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.33 646.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 529.33 646.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.68 646.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.23 634.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 109.89 634.10 Td (project ) Tj ET Q q 0 0 0 rg BT 140.66 634.10 Td (proves ) Tj ET Q q 0 0 0 rg BT 170.33 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.12 634.10 Td (be ) Tj ET Q q 0 0 0 rg BT 193.56 634.10 Td (inaccurate, ) Tj ET Q q 0 0 0 rg BT 240.15 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.38 634.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 295.04 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 315.26 634.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 336.05 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 343.50 634.10 Td (property ) Tj ET Q q 0 0 0 rg BT 380.39 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 401.17 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 408.62 634.10 Td (value ) Tj ET Q q 0 0 0 rg BT 433.29 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 451.29 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 460.97 634.10 Td (insuf) Tj ET Q q 0 0 0 rg BT 480.79 634.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 509.34 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.13 634.10 Td (assure ) Tj ET Q q 0 0 0 rg BT 548.13 634.10 Td (full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 95.45 622.10 Td (through ) Tj ET Q q 0 0 0 rg BT 129.81 622.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 148.61 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 160.19 622.10 Td (refinance. ) Tj ET Q q 0 0 0 rg BT 203.13 622.10 Td (Construction ) Tj ET Q q 0 0 0 rg BT 258.05 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 282.41 622.10 Td (also ) Tj ET Q q 0 0 0 rg BT 301.77 622.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 332.79 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.26 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 390.39 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.42 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.89 622.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 439.03 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 457.28 622.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 517.74 622.10 Td (will ) Tj ET Q q 0 0 0 rg BT 536.55 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 552.58 622.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 93.22 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 104.79 610.10 Td (time ) Tj ET Q q 0 0 0 rg BT 124.14 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.49 610.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 180.02 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 199.38 610.10 Td (specifications ) Tj ET Q q 0 0 0 rg BT 255.93 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.94 610.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 310.71 610.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 332.29 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.30 610.10 Td (that ) Tj ET Q q 0 0 0 rg BT 364.86 610.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 408.64 610.10 Td (will ) Tj ET Q q 0 0 0 rg BT 425.77 610.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 456.22 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 467.79 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.58 610.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 524.25 610.10 Td (operation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.83 598.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 80.87 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.70 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.41 598.10 Td (properties, ) Tj ET Q q 0 0 0 rg BT 154.40 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 182.33 598.10 Td (may ) Tj ET Q q 0 0 0 rg BT 203.05 598.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 228.75 598.10 Td (some ) Tj ET Q q 0 0 0 rg BT 253.36 598.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 297.40 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.67 598.10 Td (be ) Tj ET Q q 0 0 0 rg BT 321.61 598.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 351.76 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.04 598.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 400.97 598.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 431.68 598.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 452.40 598.10 Td (service, ) Tj ET Q q 0 0 0 rg BT 486.71 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 514.65 598.10 Td (exposes ) Tj ET Q q 0 0 0 rg BT 549.80 598.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.67 586.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 131.92 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 149.42 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.25 586.10 Td (non-payment ) Tj ET Q q 0 0 0 rg BT 215.51 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.45 586.10 Td (loss.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 568.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 104.07 568.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 122.40 568.10 Td (Business:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.23 568.10 Td (This ) Tj ET Q q 0 0 0 rg BT 189.34 568.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 227.67 568.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 264.32 568.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 300.98 568.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 351.51 568.10 Td (business ) Tj ET Q q 0 0 0 rg BT 388.73 568.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 413.17 568.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 447.04 568.10 Td (by ) Tj ET Q q 0 0 0 rg BT 460.37 568.10 Td (assignments ) Tj ET Q q 0 0 0 rg BT 512.59 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.25 568.10 Td (corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.40 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.91 556.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 127.86 556.10 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 172.69 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.09 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.38 556.10 Td (business ) Tj ET Q q 0 0 0 rg BT 233.34 556.10 Td (owners. ) Tj ET Q q 0 0 0 rg BT 266.79 556.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 318.29 556.10 Td (business ) Tj ET Q q 0 0 0 rg BT 354.26 556.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 377.44 556.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 416.71 556.10 Td (have ) Tj ET Q q 0 0 0 rg BT 437.66 556.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 465.28 556.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 496.78 556.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 517.73 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 534.24 556.10 Td (shorter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 74.22 544.10 Td (than ) Tj ET Q q 0 0 0 rg BT 93.44 544.10 Td (other ) Tj ET Q q 0 0 0 rg BT 115.99 544.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 141.60 544.10 Td (but ) Tj ET Q q 0 0 0 rg BT 156.38 544.10 Td (they ) Tj ET Q q 0 0 0 rg BT 175.60 544.10 Td (also ) Tj ET Q q 0 0 0 rg BT 193.72 544.10 Td (have ) Tj ET Q q 0 0 0 rg BT 214.60 544.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 254.35 544.10 Td (dif) Tj ET Q q 0 0 0 rg BT 265.28 544.10 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 293.39 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.72 544.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 322.94 544.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 369.39 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.83 544.10 Td (a ) Tj ET Q q 0 0 0 rg BT 392.27 544.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 419.82 544.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 436.83 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.16 544.10 Td (default ) Tj ET Q q 0 0 0 rg BT 476.93 544.10 Td (since ) Tj ET Q q 0 0 0 rg BT 499.48 544.10 Td (their ) Tj ET Q q 0 0 0 rg BT 519.81 544.10 Td (repayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.70 532.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 124.97 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 137.47 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.19 532.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 195.79 532.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 236.05 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.88 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.60 532.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 298.62 532.10 Td () Tj ET Q q 0 0 0 rg BT 301.40 532.10 Td (s ) Tj ET Q q 0 0 0 rg BT 307.79 532.10 Td (business.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 514.10 Td (Consumer:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.94 514.10 Td (This ) Tj ET Q q 0 0 0 rg BT 143.03 514.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 181.33 514.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 217.97 514.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 254.60 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 279.02 514.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 312.86 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 326.17 514.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 359.48 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 371.12 514.10 Td (certificate ) Tj ET Q q 0 0 0 rg BT 414.39 514.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 455.18 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 466.82 514.10 Td (automobiles, ) Tj ET Q q 0 0 0 rg BT 521.51 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 533.15 514.10 Td (well ) Tj ET Q q 0 0 0 rg BT 553.67 514.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 94.07 502.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 131.47 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 156.11 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.08 502.10 Td (overdraft ) Tj ET Q q 0 0 0 rg BT 214.26 502.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 236.67 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.54 502.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 277.07 502.10 Td (This ) Tj ET Q q 0 0 0 rg BT 298.38 502.10 Td (type ) Tj ET Q q 0 0 0 rg BT 319.13 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.99 502.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 351.74 502.10 Td (entails ) Tj ET Q q 0 0 0 rg BT 381.37 502.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 412.66 502.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 431.19 502.10 Td (than ) Tj ET Q q 0 0 0 rg BT 451.93 502.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 497.11 502.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 538.41 502.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 98.59 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 108.87 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.58 490.10 Td (case ) Tj ET Q q 0 0 0 rg BT 143.29 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.12 490.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 177.73 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 195.22 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 209.93 490.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 252.97 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 263.80 490.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 296.84 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 309.34 490.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 335.17 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 352.66 490.10 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 396.24 490.10 Td (rapidly) Tj ET Q q 0 0 0 rg BT 423.92 490.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 109.53 472.10 Td ( loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 454.10 Td (During ) Tj ET Q q 0 0 0 rg BT 101.42 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.72 454.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 144.25 454.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 175.65 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.07 454.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 212.66 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.97 454.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 269.94 454.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 316.89 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 324.42 454.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.45 454.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 362.36 454.10 Td (f ) Tj ET Q q 0 0 0 rg BT 368.78 454.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.42 454.10 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 423.01 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.90 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 454.99 454.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 503.62 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.48 454.10 Td (one ) Tj ET Q q 0 0 0 rg BT 532.01 454.10 Td (lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (relationship, ) Tj ET Q q 0 0 0 rg BT 102.21 442.10 Td (af) Tj ET Q q 0 0 0 rg BT 109.80 442.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 140.06 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.78 442.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 204.48 442.10 Td (real ) Tj ET Q q 0 0 0 rg BT 221.96 442.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 247.23 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.17 442.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 313.86 442.10 Td (business ) Tj ET Q q 0 0 0 rg BT 350.25 442.10 Td (segments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 424.10 Td (As ) Tj ET Q q 0 0 0 rg BT 83.56 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.34 424.10 Td (December ) Tj ET Q q 0 0 0 rg BT 137.87 424.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 152.81 424.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 177.76 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.42 424.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 233.75 424.10 Td (has ) Tj ET Q q 0 0 0 rg BT 249.53 424.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 285.29 424.10 Td (its ) Tj ET Q q 0 0 0 rg BT 297.19 424.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 352.41 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 362.63 424.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 398.40 424.10 Td (its ) Tj ET Q q 0 0 0 rg BT 410.29 424.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 453.27 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.38 424.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 487.04 424.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 515.70 424.10 Td (The ) Tj ET Q q 0 0 0 rg BT 533.70 424.10 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.65 412.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 116.29 412.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 150.81 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 161.46 412.10 Td (an ) Tj ET Q q 0 0 0 rg BT 173.77 412.10 Td (update ) Tj ET Q q 0 0 0 rg BT 203.29 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.94 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.02 412.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 275.22 412.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 295.30 412.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 313.73 412.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 368.55 412.10 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 425.29 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.38 412.10 Td (most ) Tj ET Q q 0 0 0 rg BT 462.69 412.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 489.99 412.10 Td (industry) Tj ET Q q 0 0 0 rg BT 522.11 412.10 Td (, ) Tj ET Q q 0 0 0 rg BT 527.48 412.10 Td (peer ) Tj ET Q q 0 0 0 rg BT 547.56 412.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (product ) Tj ET Q q 0 0 0 rg BT 82.68 400.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 100.37 400.10 Td (trends. ) Tj ET Q q 0 0 0 rg BT 129.28 400.10 Td (This ) Tj ET Q q 0 0 0 rg BT 149.19 400.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 182.97 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.88 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.45 400.10 Td (non-recurring, ) Tj ET Q q 0 0 0 rg BT 259.05 400.10 Td (pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.16 400.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 305.79 400.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.69 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 336.81 400.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 376.71 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.61 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.96 400.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 431.96 400.10 Td (during ) Tj ET Q q 0 0 0 rg BT 460.19 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.54 400.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 501.11 400.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 531.55 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 542.01 400.10 Td (2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 81.10 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.82 388.10 Td (year ) Tj ET Q q 0 0 0 rg BT 115.52 388.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 141.90 388.10 Td (December ) Tj ET Q q 0 0 0 rg BT 185.48 388.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 200.48 388.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.36 370.10 Td (following ) Tj ET Q q 0 0 0 rg BT 128.07 370.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 153.21 370.10 Td (set ) Tj ET Q q 0 0 0 rg BT 166.13 370.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 187.39 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.42 370.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 233.23 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 242.82 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.86 370.10 Td (Company) Tj ET Q q 0 0 0 rg BT 298.52 370.10 Td (s ) Tj ET Q q 0 0 0 rg BT 304.23 370.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 346.58 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 360.05 370.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 379.09 370.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 404.79 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 418.27 370.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 455.90 370.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.60 370.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.50 370.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 370.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 358.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 358.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.44 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 114.44 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 126.94 358.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 164.43 358.10 Td (segment:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 316.6 m 242.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 316.6 m 306.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 316.6 m 370.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 316.6 m 434.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 316.6 m 498.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 316.6 m 562.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 230.60000000000002 m 242.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 230.60000000000002 m 306.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 230.60000000000002 m 370.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 230.60000000000002 m 434.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 230.60000000000002 m 498.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 230.60000000000002 m 562.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 216.60000000000002 m 242.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 214.60000000000002 m 242.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 216.60000000000002 m 306.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 214.60000000000002 m 306.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 216.60000000000002 m 370.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 214.60000000000002 m 370.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 216.60000000000002 m 434.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 214.60000000000002 m 434.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 216.60000000000002 m 498.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 214.60000000000002 m 498.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 216.60000000000002 m 562.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 214.60000000000002 m 562.5 214.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 192.85 328.83 Td (Residential) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 192.55 320.83 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.95 328.83 Td (Commer) Tj ET Q q 0 0 0 rg BT 285.01 328.83 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.55 320.83 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.55 320.83 Td (Construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 382.95 328.83 Td (Commer) Tj ET Q q 0 0 0 rg BT 413.01 328.83 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 389.30 320.83 Td (Business) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.25 320.83 Td (Consumer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.25 320.83 Td (T) Tj ET Q q 0 0 0 rg BT 527.85 320.83 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 347.65 307.83 Td (\(In thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 294.83 Td (For) Tj ET Q q 0 0 0 rg BT 65.29 294.83 Td ( the ) Tj ET Q q 0 0 0 rg BT 79.66 294.83 Td (Y) Tj ET Q q 0 0 0 rg BT 84.55 294.83 Td (ear) Tj ET Q q 0 0 0 rg BT 95.51 294.83 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 156.24 294.83 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 280.27 Td (Beginning balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.00 280.17 Td (....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 280.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.15 280.27 Td (1,721) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 280.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.15 280.27 Td (12,777) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 280.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 280.27 Td (907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 280.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 280.27 Td (3,498) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 280.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 280.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 280.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 280.27 Td (18,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 265.27 Td (Char) Tj ET Q q 0 0 0 rg BT 78.35 265.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 99.27 265.27 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.50 265.17 Td (.............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.30 265.27 Td (\(420) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.65 265.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.80 265.27 Td (\(5,614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.65 265.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 265.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.30 265.32 Td (\(815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 265.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 265.32 Td (\(77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 265.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 265.32 Td (\(6,926) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 265.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 250.27 Td (Recoveries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 250.17 Td (..............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 250.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 250.27 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 250.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 250.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 250.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 250.27 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 235.27 Td (\(Credits\) provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 235.17 Td (................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.30 235.27 Td (\(444) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.65 235.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 235.27 Td (4,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.30 235.32 Td (\(767) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 235.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 235.27 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 235.27 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 235.27 Td (3,440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 220.27 Td (Ending balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.50 220.17 Td (.........................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.65 112.27 Td (146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 112.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 112.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 112.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 112.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 112.27 Td (153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 97.27 Td (\(Credits\) provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 97.17 Td (................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 661.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 661.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 661.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 661.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 661.17 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 661.17 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 646.17 Td (Provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.50 646.07 Td (...............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.65 646.17 Td (184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 646.17 Td (1,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 646.17 Td (608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 646.17 Td (1,018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 646.17 Td (394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 646.17 Td (3,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 631.17 Td (Ending balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.50 631.07 Td (.........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.15 631.17 Td (1,802) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 631.17 Td (9,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 631.17 Td (2,105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 631.17 Td (4,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 631.17 Td (377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 631.17 Td (17,982) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 609.00 Td (Loans ) Tj ET Q q 0 0 0 rg BT 96.37 609.00 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 136.60 609.00 Td (for ) Tj ET Q q 0 0 0 rg BT 150.19 609.00 Td (impairment ) Tj ET Q q 0 0 0 rg BT 198.22 609.00 Td (and ) Tj ET Q q 0 0 0 rg BT 214.58 609.00 Td (the ) Tj ET Q q 0 0 0 rg BT 228.73 609.00 Td (related ) Tj ET Q q 0 0 0 rg BT 257.86 609.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 300.32 609.00 Td (for ) Tj ET Q q 0 0 0 rg BT 313.91 609.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 333.05 609.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 358.87 609.00 Td (as ) Tj ET Q q 0 0 0 rg BT 369.13 609.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.39 609.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 437.40 609.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.40 609.00 Td ( ) Tj ET Q q 0 0 0 rg BT 459.33 609.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.69 609.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.69 609.00 Td ( ) Tj ET Q q 0 0 0 rg BT 497.62 609.00 Td (were ) Tj ET Q q 0 0 0 rg BT 518.98 609.00 Td (as ) Tj ET Q q 0 0 0 rg BT 529.23 609.00 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 579.5 m 493.5 579.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 579.5 m 562.5 579.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 468.5 m 493.5 468.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 468.5 m 562.5 468.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 453.5 m 493.5 453.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 453.5 m 562.5 453.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 354.5 m 493.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 354.5 m 562.5 354.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 339.5 m 493.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 339.5 m 562.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 325.5 m 493.5 325.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 323.5 m 493.5 323.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 325.5 m 562.5 325.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 323.5 m 562.5 323.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 445.35 583.73 Td (Portfolio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.70 583.73 Td (Allowance) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 470.65 570.73 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 557.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.22 557.18 Td ( 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 533.18 Td (Loans individually evaluated for) Tj ET Q q 0 0 0 rg BT 191.55 533.18 Td ( impairment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 518.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 518.07 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 518.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 518.17 Td (6,534) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 518.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 518.17 Td (233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 503.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 503.07 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 503.17 Td (6,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 503.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 488.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.00 488.07 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 488.17 Td (6,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 488.17 Td (133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 473.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 473.07 Td (....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 473.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 473.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 458.17 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.50 458.07 Td (.....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 458.17 Td (19,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 458.17 Td (366) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 434.18 Td (Loans collectively evaluated for) Tj ET Q q 0 0 0 rg BT 187.52 434.18 Td ( impairment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 419.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 419.07 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 419.17 Td (171,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 419.17 Td (624) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 404.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 404.07 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 404.17 Td (1,087,683) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 404.17 Td (1) Tj ET Q q 0 0 0 rg BT 536.15 404.17 Td (1,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 389.17 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.00 389.07 Td (................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 389.17 Td (73,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 389.17 Td (140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 374.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.00 374.07 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 374.17 Td (252,823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 374.17 Td (2,769) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 359.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 359.07 Td (....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 359.17 Td (409) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 359.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 344.17 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.50 344.07 Td (.....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 344.17 Td (1,585,651) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 344.17 Td (15,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 329.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 329.17 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 329.07 Td (..........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 329.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 329.17 Td (1,604,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 329.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 329.17 Td (15,462) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 295.5 m 493.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 295.5 m 562.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 199.5 m 493.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 184.5 m 493.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 199.5 m 562.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 184.5 m 562.5 184.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 85.5 m 493.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 85.5 m 562.5 85.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 70.5 m 493.5 70.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 70.5 m 562.5 70.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 56.5 m 493.5 56.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 54.5 m 493.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 56.5 m 562.5 56.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 54.5 m 562.5 54.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 445.35 299.73 Td (Portfolio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.70 299.73 Td (Allowance) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 470.65 286.73 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 273.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.22 273.18 Td ( 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 249.18 Td (Loans individually evaluated for) Tj ET Q q 0 0 0 rg BT 191.55 249.18 Td ( impairment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 234.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 234.07 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 234.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 234.17 Td (4,607) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 234.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 234.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 219.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 219.07 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 219.17 Td (7,586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 219.17 Td (876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 204.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.00 204.07 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 204.17 Td (2,660) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 204.17 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 189.17 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.50 189.07 Td (.....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 189.17 Td (14,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 189.17 Td (955) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 165.18 Td (Loans collectively evaluated for) Tj ET Q q 0 0 0 rg BT 187.52 165.18 Td ( impairment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 150.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 150.07 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 150.17 Td (188,917) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 150.17 Td (1,713) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 135.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 135.07 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 135.17 Td (979,656) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 135.17 Td (1) Tj ET Q q 0 0 0 rg BT 536.15 135.17 Td (1,901) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 120.17 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.00 120.07 Td (................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 120.17 Td (101,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 120.17 Td (907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 105.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.00 105.07 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 105.17 Td (257,335) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 105.17 Td (3,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 90.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 90.07 Td (....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 90.17 Td (619) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 90.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 75.17 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.50 75.07 Td (.....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 75.17 Td (1,528,163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 75.17 Td (17,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 60.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 60.17 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 60.07 Td (..........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 60.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 60.17 Td (1,543,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 60.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 60.17 Td (18,904) Tj ET Q BT /F1 10.00 Tf ET 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 (84) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 61.48 742.25 Td (edit quality indicators) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 724.25 Td (o ) Tj ET Q q 0 0 0 rg BT 83.08 724.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 119.07 724.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 144.51 724.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 162.18 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 176.52 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.41 724.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 211.30 724.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 255.36 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.25 724.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 311.81 724.25 Td (employs ) Tj ET Q q 0 0 0 rg BT 348.37 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 355.48 724.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 380.92 724.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 398.59 724.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 424.59 724.25 Td (system. ) Tj ET Q q 0 0 0 rg BT 457.35 724.25 Td (This ) Tj ET Q q 0 0 0 rg BT 477.80 724.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 495.47 724.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 521.47 724.25 Td (represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (an ) Tj ET Q q 0 0 0 rg BT 62.66 712.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 99.76 712.25 Td (level ) Tj ET Q q 0 0 0 rg BT 122.42 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 133.97 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.41 712.25 Td (loan) Tj ET Q q 0 0 0 rg BT 169.40 712.25 Td (s ) Tj ET Q q 0 0 0 rg BT 176.52 712.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 194.74 712.25 Td (based ) Tj ET Q q 0 0 0 rg BT 220.73 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 233.95 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.39 712.25 Td (character ) Tj ET Q q 0 0 0 rg BT 289.24 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 306.90 712.25 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 376.22 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.77 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.21 712.25 Td (borrower/guarantor) Tj ET Q q 0 0 0 rg BT 480.55 712.25 Td (, ) Tj ET Q q 0 0 0 rg BT 486.27 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 501.71 712.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 538.24 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 712.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (borrower ) Tj ET Q q 0 0 0 rg BT 89.23 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 99.59 700.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 145.48 700.25 Td (service ) Tj ET Q q 0 0 0 rg BT 176.38 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.17 700.25 Td (debt, ) Tj ET Q q 0 0 0 rg BT 213.47 700.25 Td (any ) Tj ET Q q 0 0 0 rg BT 230.49 700.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 255.83 700.25 Td (enhancements ) Tj ET Q q 0 0 0 rg BT 315.06 700.25 Td (or ) Tj ET Q q 0 0 0 rg BT 325.97 700.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 368.54 700.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 401.11 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 412.02 700.25 Td (repayment, ) Tj ET Q q 0 0 0 rg BT 459.30 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 476.32 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.12 700.25 Td (quality) Tj ET Q q 0 0 0 rg BT 518.24 700.25 Td (, ) Tj ET Q q 0 0 0 rg BT 523.32 700.25 Td (value ) Tj ET Q q 0 0 0 rg BT 547.56 700.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 88.58 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 99.41 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 114.13 688.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 156.33 688.25 Td (if ) Tj ET Q q 0 0 0 rg BT 164.94 688.25 Td (any) Tj ET Q q 0 0 0 rg BT 178.73 688.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.38 670.25 Td (objectives ) Tj ET Q q 0 0 0 rg BT 131.75 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 142.92 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.96 670.25 Td (Company) Tj ET Q q 0 0 0 rg BT 199.63 670.25 Td (s ) Tj ET Q q 0 0 0 rg BT 206.35 670.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 224.18 670.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 250.34 670.25 Td (system ) Tj ET Q q 0 0 0 rg BT 280.95 670.25 Td (are ) Tj ET Q q 0 0 0 rg BT 295.99 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 306.60 670.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 339.98 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.03 670.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 382.30 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 393.46 670.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 433.50 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.77 670.25 Td (senior ) Tj ET Q q 0 0 0 rg BT 478.04 670.25 Td (management ) Tj ET Q q 0 0 0 rg BT 531.96 670.25 Td (with ) Tj ET Q q 0 0 0 rg BT 552.57 670.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (objective ) Tj ET Q q 0 0 0 rg BT 88.67 658.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 135.13 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 145.47 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.71 658.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 189.49 658.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 219.28 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 229.63 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.86 658.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 263.10 658.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 302.61 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 312.41 658.25 Td (promptly ) Tj ET Q q 0 0 0 rg BT 351.09 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.55 658.25 Td (accurately ) Tj ET Q q 0 0 0 rg BT 410.65 658.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 443.77 658.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.89 658.25 Td (with ) Tj ET Q q 0 0 0 rg BT 486.69 658.25 Td (well-defined ) Tj ET Q q 0 0 0 rg BT 539.24 658.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 98.87 646.25 Td (so ) Tj ET Q q 0 0 0 rg BT 109.97 646.25 Td (that ) Tj ET Q q 0 0 0 rg BT 127.18 646.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 154.95 646.25 Td (action ) Tj ET Q q 0 0 0 rg BT 181.60 646.25 Td (can ) Tj ET Q q 0 0 0 rg BT 197.69 646.25 Td (be ) Tj ET Q q 0 0 0 rg BT 209.35 646.25 Td (taken ) Tj ET Q q 0 0 0 rg BT 233.22 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.21 646.25 Td (minimize ) Tj ET Q q 0 0 0 rg BT 283.20 646.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 308.18 646.25 Td (loss, ) Tj ET Q q 0 0 0 rg BT 328.46 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.45 646.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 371.77 646.25 Td (relevant ) Tj ET Q q 0 0 0 rg BT 406.19 646.25 Td (trends ) Tj ET Q q 0 0 0 rg BT 432.84 646.25 Td (af) Tj ET Q q 0 0 0 rg BT 440.43 646.25 Td (fecting ) Tj ET Q q 0 0 0 rg BT 470.41 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 484.84 646.25 Td (collectability ) Tj ET Q q 0 0 0 rg BT 539.26 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 646.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 70.42 634.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 108.63 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.27 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 137.26 634.25 Td (isolate ) Tj ET Q q 0 0 0 rg BT 166.57 634.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 204.76 634.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 241.30 634.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 265.04 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 282.69 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 293.67 634.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 327.43 634.25 Td (essential ) Tj ET Q q 0 0 0 rg BT 365.07 634.25 Td (information ) Tj ET Q q 0 0 0 rg BT 415.49 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 430.35 634.25 Td (determining ) Tj ET Q q 0 0 0 rg BT 481.88 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.30 634.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 538.26 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 634.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 91.88 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 104.89 622.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 123.45 622.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 151.09 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 167.98 622.25 Td (Company) Tj ET Q q 0 0 0 rg BT 209.65 622.25 Td (s ) Tj ET Q q 0 0 0 rg BT 214.89 622.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 239.00 622.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 255.34 622.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 280.02 622.25 Td (system ) Tj ET Q q 0 0 0 rg BT 309.14 622.25 Td (has ) Tj ET Q q 0 0 0 rg BT 323.82 622.25 Td (nine ) Tj ET Q q 0 0 0 rg BT 342.38 622.25 Td (grades, ) Tj ET Q q 0 0 0 rg BT 372.33 622.25 Td (with ) Tj ET Q q 0 0 0 rg BT 391.45 622.25 Td (each ) Tj ET Q q 0 0 0 rg BT 411.11 622.25 Td (grade ) Tj ET Q q 0 0 0 rg BT 434.67 622.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 493.22 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 502.35 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 508.13 622.25 Td (progressively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 79.58 610.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 96.41 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.57 610.25 Td (default. ) Tj ET Q q 0 0 0 rg BT 138.66 610.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 158.83 610.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 187.88 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.03 610.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 204.86 610.25 Td (through ) Tj ET Q q 0 0 0 rg BT 237.80 610.25 Td (5 ) Tj ET Q q 0 0 0 rg BT 244.63 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 258.66 610.25 Td ("pass" ) Tj ET Q q 0 0 0 rg BT 285.88 610.25 Td (categories ) Tj ET Q q 0 0 0 rg BT 328.24 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 344.51 610.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 361.34 610.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 390.38 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.54 610.25 Td (6 ) Tj ET Q q 0 0 0 rg BT 407.37 610.25 Td (through ) Tj ET Q q 0 0 0 rg BT 440.31 610.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 447.13 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 461.17 610.25 Td (criticized ) Tj ET Q q 0 0 0 rg BT 500.20 610.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 521.46 610.25 Td (categories ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 598.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 93.32 598.25 Td (by ) Tj ET Q q 0 0 0 rg BT 105.82 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.53 598.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 164.13 598.25 Td (agencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 580.25 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 78.87 580.25 Td (special ) Tj ET Q q 0 0 0 rg BT 113.28 580.25 Td (mention ) Tj ET Q q 0 0 0 rg BT 152.70 580.25 Td (\(6\)credit ) Tj ET Q q 0 0 0 rg BT 191.83 580.25 Td (has ) Tj ET Q q 0 0 0 rg BT 207.36 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 214.00 580.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 251.20 580.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 291.72 580.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 320.87 580.25 Td (if ) Tj ET Q q 0 0 0 rg BT 329.18 580.25 Td (uncorrected, ) Tj ET Q q 0 0 0 rg BT 381.08 580.25 Td (may ) Tj ET Q q 0 0 0 rg BT 400.50 580.25 Td (result ) Tj ET Q q 0 0 0 rg BT 424.92 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 434.90 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 441.55 580.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 494.84 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 505.37 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 519.79 580.25 Td (repayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (prospects ) Tj ET Q q 0 0 0 rg BT 90.67 568.25 Td (or ) Tj ET Q q 0 0 0 rg BT 101.91 568.25 Td (inadequately ) Tj ET Q q 0 0 0 rg BT 155.90 568.25 Td (protect ) Tj ET Q q 0 0 0 rg BT 186.57 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 201.69 568.25 Td (Company) Tj ET Q q 0 0 0 rg BT 243.35 568.25 Td (s ) Tj ET Q q 0 0 0 rg BT 250.15 568.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 275.82 568.25 Td (position ) Tj ET Q q 0 0 0 rg BT 310.95 568.25 Td (at ) Tj ET Q q 0 0 0 rg BT 321.07 568.25 Td (some ) Tj ET Q q 0 0 0 rg BT 345.08 568.25 Td (time ) Tj ET Q q 0 0 0 rg BT 365.76 568.25 Td (in ) Tj ET Q q 0 0 0 rg BT 376.44 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.56 568.25 Td (future. ) Tj ET Q q 0 0 0 rg BT 420.85 568.25 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 482.07 568.25 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 496.63 568.25 Td (loansare ) Tj ET Q q 0 0 0 rg BT 535.35 568.25 Td (credits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.27 556.25 Td (have ) Tj ET Q q 0 0 0 rg BT 88.43 556.25 Td (a ) Tj ET Q q 0 0 0 rg BT 95.14 556.25 Td (well-defined ) Tj ET Q q 0 0 0 rg BT 147.95 556.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 188.55 556.25 Td (or ) Tj ET Q q 0 0 0 rg BT 199.15 556.25 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 248.08 556.25 Td (that ) Tj ET Q q 0 0 0 rg BT 265.35 556.25 Td (jeopardize ) Tj ET Q q 0 0 0 rg BT 309.27 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 323.76 556.25 Td (full ) Tj ET Q q 0 0 0 rg BT 339.93 556.25 Td (repayment ) Tj ET Q q 0 0 0 rg BT 384.41 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 395.01 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.51 556.25 Td (debt. ) Tj ET Q q 0 0 0 rg BT 431.00 556.25 Td (An ) Tj ET Q q 0 0 0 rg BT 445.50 556.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 467.21 556.25 Td (rated ) Tj ET Q q 0 0 0 rg BT 489.47 556.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 534.52 556.25 Td (\(8\)has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (all ) Tj ET Q q 0 0 0 rg BT 61.89 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.00 544.25 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 124.55 544.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 159.21 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 168.88 544.25 Td (a ) Tj ET Q q 0 0 0 rg BT 175.22 544.25 Td (substandard ) Tj ET Q q 0 0 0 rg BT 224.88 544.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 246.22 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.55 544.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 291.39 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 301.06 544.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 338.23 544.25 Td (make ) Tj ET Q q 0 0 0 rg BT 361.78 544.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 403.11 544.25 Td (or ) Tj ET Q q 0 0 0 rg BT 413.33 544.25 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 458.56 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 468.23 544.25 Td (full ) Tj ET Q q 0 0 0 rg BT 484.02 544.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 511.47 544.25 Td (questionable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.12 532.25 Td (improbable, ) Tj ET Q q 0 0 0 rg BT 115.84 532.25 Td (when ) Tj ET Q q 0 0 0 rg BT 139.18 532.25 Td (considering ) Tj ET Q q 0 0 0 rg BT 187.52 532.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 220.87 532.25 Td (facts, ) Tj ET Q q 0 0 0 rg BT 243.92 532.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 289.77 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.89 532.25 Td (values. ) Tj ET Q q 0 0 0 rg BT 335.62 532.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 361.74 532.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 401.18 532.25 Td (as ) Tj ET Q q 0 0 0 rg BT 411.19 532.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 437.31 532.25 Td (\(9\)are ) Tj ET Q q 0 0 0 rg BT 465.36 532.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 510.36 532.25 Td (uncollectible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.92 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.73 520.25 Td (such ) Tj ET Q q 0 0 0 rg BT 98.54 520.25 Td (little ) Tj ET Q q 0 0 0 rg BT 119.35 520.25 Td (value ) Tj ET Q q 0 0 0 rg BT 143.48 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 160.96 520.25 Td (their ) Tj ET Q q 0 0 0 rg BT 181.76 520.25 Td (continuance ) Tj ET Q q 0 0 0 rg BT 232.55 520.25 Td (as ) Tj ET Q q 0 0 0 rg BT 243.36 520.25 Td (bankable ) Tj ET Q q 0 0 0 rg BT 281.93 520.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 307.74 520.25 Td (is ) Tj ET Q q 0 0 0 rg BT 316.89 520.25 Td (not ) Tj ET Q q 0 0 0 rg BT 332.15 520.25 Td (warranted. ) Tj ET Q q 0 0 0 rg BT 376.93 520.25 Td (This ) Tj ET Q q 0 0 0 rg BT 397.18 520.25 Td (classification ) Tj ET Q q 0 0 0 rg BT 452.42 520.25 Td (does ) Tj ET Q q 0 0 0 rg BT 473.23 520.25 Td (not ) Tj ET Q q 0 0 0 rg BT 488.49 520.25 Td (mean ) Tj ET Q q 0 0 0 rg BT 512.62 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 530.10 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 520.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (has ) Tj ET Q q 0 0 0 rg BT 65.37 508.25 Td (absolutely ) Tj ET Q q 0 0 0 rg BT 108.52 508.25 Td (no ) Tj ET Q q 0 0 0 rg BT 120.56 508.25 Td (recovery ) Tj ET Q q 0 0 0 rg BT 157.57 508.25 Td (or ) Tj ET Q q 0 0 0 rg BT 167.94 508.25 Td (salvage ) Tj ET Q q 0 0 0 rg BT 199.97 508.25 Td (value; ) Tj ET Q q 0 0 0 rg BT 226.45 508.25 Td (rather) Tj ET Q q 0 0 0 rg BT 249.36 508.25 Td (, ) Tj ET Q q 0 0 0 rg BT 253.90 508.25 Td (it ) Tj ET Q q 0 0 0 rg BT 261.50 508.25 Td (is ) Tj ET Q q 0 0 0 rg BT 270.21 508.25 Td (not ) Tj ET Q q 0 0 0 rg BT 285.03 508.25 Td (practical ) Tj ET Q q 0 0 0 rg BT 321.49 508.25 Td (or ) Tj ET Q q 0 0 0 rg BT 331.86 508.25 Td (desirable ) Tj ET Q q 0 0 0 rg BT 370.00 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 379.81 508.25 Td (defer ) Tj ET Q q 0 0 0 rg BT 402.39 508.25 Td (writing-of) Tj ET Q q 0 0 0 rg BT 442.76 508.25 Td (f ) Tj ET Q q 0 0 0 rg BT 448.13 508.25 Td (this ) Tj ET Q q 0 0 0 rg BT 464.62 508.25 Td (basically ) Tj ET Q q 0 0 0 rg BT 502.20 508.25 Td (worthless ) Tj ET Q q 0 0 0 rg BT 542.57 508.25 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (even ) Tj ET Q q 0 0 0 rg BT 71.38 496.25 Td (though ) Tj ET Q q 0 0 0 rg BT 101.66 496.25 Td (partial ) Tj ET Q q 0 0 0 rg BT 129.70 496.25 Td (recovery ) Tj ET Q q 0 0 0 rg BT 167.17 496.25 Td (may ) Tj ET Q q 0 0 0 rg BT 186.89 496.25 Td (be ) Tj ET Q q 0 0 0 rg BT 198.83 496.25 Td (made ) Tj ET Q q 0 0 0 rg BT 222.98 496.25 Td (in ) Tj ET Q q 0 0 0 rg BT 233.26 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.98 496.25 Td (future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 478.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 90.09 478.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 119.06 478.25 Td (are ) Tj ET Q q 0 0 0 rg BT 133.02 478.25 Td (assigned ) Tj ET Q q 0 0 0 rg BT 169.21 478.25 Td (as ) Tj ET Q q 0 0 0 rg BT 179.29 478.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 219.91 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 229.44 478.25 Td (dif) Tj ET Q q 0 0 0 rg BT 240.37 478.25 Td (ferentiate ) Tj ET Q q 0 0 0 rg BT 279.87 478.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 296.62 478.25 Td (within ) Tj ET Q q 0 0 0 rg BT 323.93 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 337.90 478.25 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 377.02 478.25 Td (They ) Tj ET Q q 0 0 0 rg BT 399.32 478.25 Td (are ) Tj ET Q q 0 0 0 rg BT 413.28 478.25 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 451.67 478.25 Td (on ) Tj ET Q q 0 0 0 rg BT 463.43 478.25 Td (an ) Tj ET Q q 0 0 0 rg BT 474.62 478.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 509.15 478.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 530.90 478.25 Td (through ) 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 64.00 466.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 92.43 466.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 111.43 466.25 Td (review ) Tj ET Q q 0 0 0 rg BT 140.41 466.25 Td (process ) Tj ET Q q 0 0 0 rg BT 172.18 466.25 Td (performed ) Tj ET Q q 0 0 0 rg BT 215.60 466.25 Td (by ) Tj ET Q q 0 0 0 rg BT 227.38 466.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 268.05 466.25 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 311.20 466.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 341.31 466.25 Td (renewal ) Tj ET Q q 0 0 0 rg BT 374.73 466.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 406.50 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.72 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.71 466.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 474.59 466.25 Td (watchlist ) Tj ET Q q 0 0 0 rg BT 512.47 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 528.69 466.25 Td (watched ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 71.94 454.25 Td (report ) Tj ET Q q 0 0 0 rg BT 98.32 454.25 Td (process. ) Tj ET Q q 0 0 0 rg BT 133.13 454.25 Td (They ) Tj ET Q q 0 0 0 rg BT 156.18 454.25 Td (are ) Tj ET Q q 0 0 0 rg BT 170.89 454.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 202.26 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.54 454.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 240.58 454.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 275.29 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 285.57 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 300.28 454.25 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 345.13 454.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 382.61 454.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 422.89 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 439.83 454.25 Td (outlook, ) Tj ET Q q 0 0 0 rg BT 475.38 454.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 495.10 454.25 Td (service ) Tj ET Q q 0 0 0 rg BT 525.92 454.25 Td (coverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (capability) Tj ET Q q 0 0 0 rg BT 88.78 442.25 Td (, ) Tj ET Q q 0 0 0 rg BT 93.49 442.25 Td (repayment ) Tj ET Q q 0 0 0 rg BT 137.90 442.25 Td (performance, ) Tj ET Q q 0 0 0 rg BT 193.14 442.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 232.54 442.25 Td (value ) Tj ET Q q 0 0 0 rg BT 256.41 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 273.06 442.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 311.36 442.25 Td (as ) Tj ET Q q 0 0 0 rg BT 321.90 442.25 Td (well ) Tj ET Q q 0 0 0 rg BT 341.32 442.25 Td (as ) Tj ET Q q 0 0 0 rg BT 351.87 442.25 Td (other ) Tj ET Q q 0 0 0 rg BT 374.62 442.25 Td (considerations. ) Tj ET Q q 0 0 0 rg BT 437.10 442.25 Td (In ) Tj ET Q q 0 0 0 rg BT 447.64 442.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 482.62 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 492.61 442.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 525.37 442.25 Td (review ) Tj ET Q q 0 0 0 rg BT 554.78 442.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (multiple ) Tj ET Q q 0 0 0 rg BT 85.83 430.25 Td (points, ) Tj ET Q q 0 0 0 rg BT 115.28 430.25 Td (outsourced ) Tj ET Q q 0 0 0 rg BT 161.66 430.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 181.37 430.25 Td (review ) Tj ET Q q 0 0 0 rg BT 211.08 430.25 Td (opines ) Tj ET Q q 0 0 0 rg BT 239.69 430.25 Td (on ) Tj ET Q q 0 0 0 rg BT 252.19 430.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 269.69 430.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 299.40 430.25 Td (with ) Tj ET Q q 0 0 0 rg BT 319.68 430.25 Td (regard ) Tj ET Q q 0 0 0 rg BT 347.72 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 358.00 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 372.71 430.25 Td (sample ) Tj ET Q q 0 0 0 rg BT 403.54 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 414.37 430.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.98 430.25 Td (their ) Tj ET Q q 0 0 0 rg BT 458.80 430.25 Td (review ) Tj ET Q q 0 0 0 rg BT 488.51 430.25 Td (covers.) 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 (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 186.64 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 211.90 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 229.40 742.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 259.12 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 271.62 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 291.33 742.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 327.16 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 337.99 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.82 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 407.40 742.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.40 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.90 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.84 742.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.84 742.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 713.6 m 184.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 713.6 m 188.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 713.6 m 238.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 713.6 m 242.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 713.6 m 292.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 713.6 m 296.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 713.6 m 346.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 713.6 m 350.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 713.6 m 400.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 713.6 m 404.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 713.6 m 454.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 713.6 m 458.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 713.6 m 508.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 713.6 m 512.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 713.6 m 562.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 701.6 m 184.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 701.6 m 188.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 701.6 m 238.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 701.6 m 242.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 701.6 m 292.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 701.6 m 296.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 701.6 m 346.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 713.6 m 400.5 713.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 701.6 m 400.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 701.6 m 404.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 701.6 m 454.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 701.6 m 458.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 701.6 m 508.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 701.6 m 512.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 701.6 m 562.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 682.6 m 184.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 682.6 m 238.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 682.6 m 292.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 682.6 m 346.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 682.6 m 400.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 682.6 m 454.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 682.6 m 508.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 682.6 m 562.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 610.6 m 184.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 610.6 m 238.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 610.6 m 292.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 610.6 m 346.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 610.6 m 400.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 610.6 m 454.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 610.6 m 508.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 610.6 m 562.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 599.6 m 184.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 597.6 m 184.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 599.6 m 238.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 597.6 m 238.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 599.6 m 292.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 597.6 m 292.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 599.6 m 346.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 597.6 m 346.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 599.6 m 400.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 597.6 m 400.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 599.6 m 454.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 597.6 m 454.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 599.6 m 508.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 597.6 m 508.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 599.6 m 562.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 597.6 m 562.5 597.6 l s BT /F2 7.00 Tf ET q 0 0 0 rg BT 290.65 717.66 Td (Commer) Tj ET Q q 0 0 0 rg BT 317.02 717.66 Td (cial Cr) Tj ET Q q 0 0 0 rg BT 337.30 717.66 Td (edit Quality Indicators) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 211.75 705.66 Td (December) Tj ET Q q 0 0 0 rg BT 242.00 705.66 Td (31, 2018) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 427.75 705.66 Td (December) Tj ET Q q 0 0 0 rg BT 458.00 705.66 Td (31, 2017) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 140.55 693.66 Td (Commer) Tj ET Q q 0 0 0 rg BT 166.85 693.66 Td (cial) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 141.95 686.66 Td (Real Estate) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 193.35 686.66 Td (Construction) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 248.55 693.66 Td (Commer) Tj ET Q q 0 0 0 rg BT 274.85 693.66 Td (cial) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 254.15 686.66 Td (Business) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 313.30 686.66 Td (T) Tj ET Q q 0 0 0 rg BT 317.65 686.66 Td (otal) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 356.55 693.66 Td (Commer) Tj ET Q q 0 0 0 rg BT 382.85 693.66 Td (cial) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 357.95 686.66 Td (Real Estate) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 409.35 686.66 Td (Construction) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 464.55 693.66 Td (Commer) Tj ET Q q 0 0 0 rg BT 490.85 693.66 Td (cial) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 470.15 686.66 Td (Business) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 529.30 686.66 Td (T) Tj ET Q q 0 0 0 rg BT 533.33 686.66 Td (otal) Tj ET Q BT /F4 7.00 Tf ET q 0 0 0 rg BT 326.65 674.66 Td (\(In thousands\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 662.65 Td (Pass) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 71.50 662.25 Td (..................................) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 137.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 153.65 662.65 Td (1,084,695) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 191.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 216.40 662.65 Td (73,191) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 245.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.90 662.65 Td (237,933) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 299.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 315.65 662.65 Td (1,395,819) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 662.65 Td (960,902) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 428.90 662.65 Td (101,636) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 461.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 662.65 Td (252,570) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 515.00 662.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.65 662.65 Td (1,315,108) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 650.65 Td (Special mention) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 104.75 650.25 Td (...............) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 165.90 650.65 Td (2,988) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.65 650.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.40 650.65 Td (14,890) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 324.40 650.65 Td (17,878) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 381.90 650.65 Td (9,371) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 444.65 650.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 489.90 650.65 Td (4,019) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 650.65 Td (13,390) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 638.65 Td (Substandard) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 94.25 638.25 Td (.....................) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 165.90 638.65 Td (2,516) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.65 638.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 273.90 638.65 Td (2,592) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 327.90 638.65 Td (5,108) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 378.40 638.65 Td (16,969) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 444.65 638.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 489.90 638.65 Td (3,297) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 638.65 Td (20,266) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 626.65 Td (Doubtful) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 85.50 626.25 Td (..........................) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 165.90 626.65 Td (3,867) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.65 626.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 273.90 626.65 Td (3,563) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 327.90 626.65 Td (7,430) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 390.65 626.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 444.65 626.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 495.15 626.65 Td (109) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 626.65 Td (109) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 614.65 Td (Loss) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 73.25 614.25 Td (.................................) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 174.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 282.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 336.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 390.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 444.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 498.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 552.65 614.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 71.00 602.65 Td (T) Tj ET Q q 0 0 0 rg BT 74.79 602.65 Td (otal loans) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 103.00 602.25 Td (................) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 137.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 153.65 602.65 Td (1,094,066) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 191.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 216.40 602.65 Td (73,191) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 245.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.90 602.65 Td (258,978) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 299.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 315.65 602.65 Td (1,426,235) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 602.65 Td (987,242) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 428.90 602.65 Td (101,636) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 461.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 602.65 Td (259,995) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 515.00 602.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.65 602.65 Td (1,348,873) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 569.6 m 242.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 569.6 m 246.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 569.6 m 306.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 569.6 m 310.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 569.6 m 370.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 569.6 m 374.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 569.6 m 434.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 569.6 m 438.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 569.6 m 498.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 569.6 m 502.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 569.6 m 562.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 556.6 m 242.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 556.6 m 246.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 556.6 m 306.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 556.6 m 310.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 556.6 m 370.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 556.6 m 434.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 556.6 m 438.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 556.6 m 498.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 556.6 m 502.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 556.6 m 562.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 535.6 m 242.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 535.6 m 306.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 535.6 m 370.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 535.6 m 434.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 535.6 m 498.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 535.6 m 562.5 535.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 452.6 m 182.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 452.6 m 242.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 452.6 m 306.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 452.6 m 370.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 452.6 m 434.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 452.6 m 498.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 452.6 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 182.5 439.6 m 242.5 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 437.6 m 242.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 439.6 m 306.5 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 437.6 m 306.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 439.6 m 370.5 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 437.6 m 370.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 439.6 m 434.5 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 437.6 m 434.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 439.6 m 498.5 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 437.6 m 498.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 439.6 m 562.5 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 437.6 m 562.5 437.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.25 573.83 Td (Residential and Consumer) Tj ET Q q 0 0 0 rg BT 372.85 573.83 Td ( Cr) Tj ET Q q 0 0 0 rg BT 384.04 573.83 Td (edit Quality Indicators) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 243.75 560.83 Td (December) Tj ET Q q 0 0 0 rg BT 278.32 560.83 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.75 560.83 Td (December) Tj ET Q q 0 0 0 rg BT 470.32 560.83 Td (31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 192.85 547.83 Td (Residential) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 192.55 539.83 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 258.25 539.83 Td (Consumer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.25 539.83 Td (T) Tj ET Q q 0 0 0 rg BT 336.22 539.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.85 547.83 Td (Residential) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.55 539.83 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.25 539.83 Td (Consumer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.25 539.83 Td (T) Tj ET Q q 0 0 0 rg BT 527.85 539.83 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 347.65 526.83 Td (\(In thousands\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 513.06 Td (Pass) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 75.50 512.86 Td (..............................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 185.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.75 513.06 Td (171,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 513.06 Td (409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.75 513.06 Td (171,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 513.06 Td (188,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 513.06 Td (619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 513.06 Td (189,536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 499.06 Td (Special mention) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.25 498.86 Td (...........................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.50 499.06 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 499.06 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 485.06 Td (Substandard) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.75 484.86 Td (.................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.75 485.06 Td (6,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 485.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 485.06 Td (6,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 485.06 Td (4,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 485.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 485.06 Td (4,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 471.06 Td (Doubtful) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 93.50 470.86 Td (......................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 457.06 Td (Loss) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 77.75 456.86 Td (.............................................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 443.06 Td (T) Tj ET Q q 0 0 0 rg BT 75.87 443.06 Td (otal loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.50 442.86 Td (..............................) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 185.00 443.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.75 443.06 Td (178,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 443.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 443.06 Td (412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 443.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.75 443.06 Td (178,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 443.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 443.06 Td (193,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 443.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 443.06 Td (619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 443.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 443.06 Td (194,143) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (Loan portfolio aging analysis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 403.10 Td (When ) Tj ET Q q 0 0 0 rg BT 95.51 403.10 Td (a ) Tj ET Q q 0 0 0 rg BT 101.58 403.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 120.42 403.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.72 403.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.72 403.10 Td (days ) Tj ET Q q 0 0 0 rg BT 161.18 403.10 Td (past ) Tj ET Q q 0 0 0 rg BT 178.92 403.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 197.49 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.33 403.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 251.85 403.10 Td (sends ) Tj ET Q q 0 0 0 rg BT 275.70 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.55 403.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 327.83 403.10 Td (a ) Tj ET Q q 0 0 0 rg BT 333.90 403.10 Td (late ) Tj ET Q q 0 0 0 rg BT 349.96 403.10 Td (notice. ) Tj ET Q q 0 0 0 rg BT 378.41 403.10 Td (The ) Tj ET Q q 0 0 0 rg BT 395.58 403.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 436.10 403.10 Td (attempts ) Tj ET Q q 0 0 0 rg BT 471.61 403.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.02 403.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 511.52 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.37 403.10 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 391.10 Td (phone ) Tj ET Q q 0 0 0 rg BT 89.44 391.10 Td (if ) Tj ET Q q 0 0 0 rg BT 98.05 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.76 391.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 164.14 391.10 Td (is ) Tj ET Q q 0 0 0 rg BT 173.31 391.10 Td (not ) Tj ET Q q 0 0 0 rg BT 188.58 391.10 Td (corrected ) Tj ET Q q 0 0 0 rg BT 228.28 391.10 Td (promptly ) Tj ET Q q 0 0 0 rg BT 267.44 391.10 Td (after ) Tj ET Q q 0 0 0 rg BT 288.26 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.97 391.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 329.91 391.10 Td (has ) Tj ET Q q 0 0 0 rg BT 345.74 391.10 Td (been ) Tj ET Q q 0 0 0 rg BT 367.11 391.10 Td (sent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 373.10 Td (When ) Tj ET Q q 0 0 0 rg BT 96.17 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.68 373.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 130.19 373.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.15 373.10 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.15 373.10 Td (days ) Tj ET Q q 0 0 0 rg BT 172.27 373.10 Td (past ) Tj ET Q q 0 0 0 rg BT 190.67 373.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 209.90 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.41 373.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 265.59 373.10 Td (mails ) Tj ET Q q 0 0 0 rg BT 289.55 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.06 373.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 343.00 373.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.73 373.10 Td (letter ) Tj ET Q q 0 0 0 rg BT 372.57 373.10 Td (reminding ) Tj ET Q q 0 0 0 rg BT 415.96 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.47 373.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 469.42 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.04 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.55 373.10 Td (delinquency) Tj ET Q q 0 0 0 rg BT 542.77 373.10 Td (, ) Tj ET Q q 0 0 0 rg BT 547.56 373.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (attempts ) Tj ET Q q 0 0 0 rg BT 86.26 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.41 361.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 127.66 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.25 361.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 181.27 361.10 Td (personally ) Tj ET Q q 0 0 0 rg BT 225.30 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.45 361.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 277.81 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.40 361.10 Td (reason ) Tj ET Q q 0 0 0 rg BT 320.87 361.10 Td (for ) Tj ET Q q 0 0 0 rg BT 334.91 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.50 361.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 400.75 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.56 361.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 446.03 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.62 361.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 499.65 361.10 Td (understands ) Tj ET Q q 0 0 0 rg BT 549.79 361.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 74.56 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.23 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.78 349.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 121.84 349.10 Td (If ) Tj ET Q q 0 0 0 rg BT 130.84 349.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 169.06 349.10 Td (, ) Tj ET Q q 0 0 0 rg BT 173.90 349.10 Td (on ) Tj ET Q q 0 0 0 rg BT 186.24 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.80 349.10 Td (subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.58 349.10 Td (90t) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.35 349.10 Td (h ) Tj ET Q q 0 0 0 rg BT 267.70 349.10 Td (day ) Tj ET Q q 0 0 0 rg BT 284.47 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.14 349.10 Td (delinquency) Tj ET Q q 0 0 0 rg BT 343.37 349.10 Td (, ) Tj ET Q q 0 0 0 rg BT 348.21 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.76 349.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 403.99 349.10 Td (may ) Tj ET Q q 0 0 0 rg BT 423.55 349.10 Td (take ) Tj ET Q q 0 0 0 rg BT 442.54 349.10 Td (other ) Tj ET Q q 0 0 0 rg BT 465.43 349.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 513.30 349.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 535.08 349.10 Td (action. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 337.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.89 337.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 98.33 337.10 Td (report ) Tj ET Q q 0 0 0 rg BT 124.43 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.98 337.10 Td (all ) Tj ET Q q 0 0 0 rg BT 147.20 337.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.53 337.10 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.53 337.10 Td (days ) Tj ET Q q 0 0 0 rg BT 203.58 337.10 Td (or ) Tj ET Q q 0 0 0 rg BT 214.13 337.10 Td (more ) Tj ET Q q 0 0 0 rg BT 236.90 337.10 Td (past ) Tj ET Q q 0 0 0 rg BT 255.23 337.10 Td (due ) Tj ET Q q 0 0 0 rg BT 271.89 337.10 Td (is ) Tj ET Q q 0 0 0 rg BT 280.78 337.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 318.55 337.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.55 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.99 337.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 369.65 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.20 337.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 419.63 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.18 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.62 337.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 485.73 337.10 Td (periodically) Tj ET Q q 0 0 0 rg BT 532.84 337.10 Td (. ) Tj ET Q q 0 0 0 rg BT 537.56 337.10 Td (Loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 80.25 325.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.97 325.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.97 325.10 Td (days ) Tj ET Q q 0 0 0 rg BT 133.29 325.10 Td (past ) Tj ET Q q 0 0 0 rg BT 151.90 325.10 Td (due ) Tj ET Q q 0 0 0 rg BT 168.84 325.10 Td (are ) Tj ET Q q 0 0 0 rg BT 183.54 325.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 223.24 325.10 Td (put ) Tj ET Q q 0 0 0 rg BT 238.52 325.10 Td (on ) Tj ET Q q 0 0 0 rg BT 251.01 325.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 297.37 325.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 324.60 325.10 Td (A) Tj ET Q q 0 0 0 rg BT 331.27 325.10 Td ( ) Tj ET Q q 0 0 0 rg BT 333.77 325.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 380.13 325.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 399.84 325.10 Td (is ) Tj ET Q q 0 0 0 rg BT 409.01 325.10 Td (restored ) Tj ET Q q 0 0 0 rg BT 443.71 325.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.99 325.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 485.35 325.10 Td (status ) Tj ET Q q 0 0 0 rg BT 510.62 325.10 Td (when ) Tj ET Q q 0 0 0 rg BT 534.78 325.10 Td (it ) Tj ET Q q 0 0 0 rg BT 542.83 325.10 Td (is ) Tj ET Q q 0 0 0 rg BT 552.00 325.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 77.75 313.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 122.16 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.80 313.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 193.20 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.74 313.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 235.37 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.01 313.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 289.75 313.10 Td (is ) Tj ET Q q 0 0 0 rg BT 298.62 313.10 Td (no ) Tj ET Q q 0 0 0 rg BT 310.83 313.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 338.57 313.10 Td (in ) Tj ET Q q 0 0 0 rg BT 348.55 313.10 Td (doubt. ) Tj ET Q q 0 0 0 rg BT 375.55 313.10 Td (A) Tj ET Q q 0 0 0 rg BT 382.22 313.10 Td ( ) Tj ET Q q 0 0 0 rg BT 384.42 313.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 403.84 313.10 Td (is ) Tj ET Q q 0 0 0 rg BT 412.71 313.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 458.22 313.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.20 313.10 Td (be ) Tj ET Q q 0 0 0 rg BT 479.84 313.10 Td (no ) Tj ET Q q 0 0 0 rg BT 492.04 313.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 519.79 313.10 Td (delinquent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (when ) Tj ET Q q 0 0 0 rg BT 74.75 301.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 103.40 301.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 144.82 301.10 Td (are ) Tj ET Q q 0 0 0 rg BT 160.12 301.10 Td (made ) Tj ET Q q 0 0 0 rg BT 184.87 301.10 Td (for ) Tj ET Q q 0 0 0 rg BT 199.63 301.10 Td (a ) Tj ET Q q 0 0 0 rg BT 207.16 301.10 Td (period ) Tj ET Q q 0 0 0 rg BT 235.80 301.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.23 301.10 Td (at ) Tj ET Q q 0 0 0 rg BT 257.54 301.10 Td (least ) Tj ET Q q 0 0 0 rg BT 278.96 301.10 Td (sixmonths ) Tj ET Q q 0 0 0 rg BT 325.67 301.10 Td (\(one ) Tj ET Q q 0 0 0 rg BT 346.54 301.10 Td (year ) Tj ET Q q 0 0 0 rg BT 366.84 301.10 Td (for ) Tj ET Q q 0 0 0 rg BT 381.59 301.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 405.79 301.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 447.78 301.10 Td (for ) Tj ET Q q 0 0 0 rg BT 462.53 301.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 501.72 301.10 Td (or ) Tj ET Q q 0 0 0 rg BT 513.14 301.10 Td (semi-annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (payments\) ) Tj ET Q q 0 0 0 rg BT 94.16 289.10 Td (by ) Tj ET Q q 0 0 0 rg BT 106.66 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.37 289.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 160.52 289.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.80 289.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 218.26 289.10 Td (with ) Tj ET Q q 0 0 0 rg BT 238.54 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.26 289.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 300.18 289.10 Td (terms.) 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 (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.02 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.39 742.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 155.19 742.10 Td (set ) Tj ET Q q 0 0 0 rg BT 168.78 742.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 190.70 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 220.38 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 270.07 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 290.32 742.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 321.12 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.37 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 347.18 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 366.88 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 404.35 742.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 461.81 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 474.28 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 511.76 742.10 Td (segment ) 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 (amount ) Tj ET Q q 0 0 0 rg BT 82.50 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 93.33 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.16 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 162.74 730.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.74 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.24 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.18 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 260.76 730.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.76 730.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 701.6 m 242.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 701.6 m 246.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 701.6 m 306.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 701.6 m 310.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 701.6 m 370.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 701.6 m 374.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 701.6 m 434.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 701.6 m 438.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 701.6 m 498.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 701.6 m 502.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 701.6 m 562.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 674.6 m 242.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 674.6 m 306.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 674.6 m 370.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 674.6 m 434.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 674.6 m 498.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 674.6 m 562.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 564.6 m 242.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 564.6 m 306.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 564.6 m 370.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 564.6 m 434.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 564.6 m 498.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 564.6 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 182.5 551.6 m 242.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 549.6 m 242.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 551.6 m 306.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 549.6 m 306.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 551.6 m 370.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 549.6 m 370.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 551.6 m 434.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 549.6 m 434.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 551.6 m 498.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 549.6 m 498.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 551.6 m 562.5 551.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 549.6 m 562.5 549.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.75 705.68 Td (December) Tj ET Q q 0 0 0 rg BT 374.32 705.68 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 192.55 686.83 Td (3059 Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.75 678.83 Td (Past Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.55 686.83 Td (6089 Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.75 678.83 Td (Past Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.85 693.68 Td (90 Days or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.25 685.68 Td (Gr) Tj ET Q q 0 0 0 rg BT 327.95 685.68 Td (eater) Tj ET Q q 0 0 0 rg BT 345.12 685.68 Td ( Past) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.10 677.68 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.90 686.83 Td (T) Tj ET Q q 0 0 0 rg BT 391.50 686.83 Td (otal Past) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.10 678.83 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.05 678.83 Td (Curr) Tj ET Q q 0 0 0 rg BT 471.31 678.83 Td (ent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.80 678.83 Td (T) Tj ET Q q 0 0 0 rg BT 516.40 678.83 Td (otal Loans) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 347.65 666.68 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 653.17 Td (Originated loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 639.17 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 625.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.00 625.17 Td (............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.65 625.17 Td (994) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 625.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 625.17 Td (2,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 625.17 Td (3,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 625.17 Td (174,882) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 625.17 Td (178,079) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 611.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.50 611.17 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.65 611.17 Td (668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 611.17 Td (133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 611.17 Td (4,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 611.17 Td (5,187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 611.17 Td (1,088,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 611.17 Td (1,094,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 597.17 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.50 597.17 Td (...........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 597.17 Td (73,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 597.17 Td (73,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 583.17 Td (................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 583.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.65 583.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 583.17 Td (4,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 583.17 Td (4,077) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 583.17 Td (254,901) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 583.17 Td (258,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 569.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.50 569.17 Td (.................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 569.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 569.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 569.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 569.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 569.17 Td (412) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 569.17 Td (412) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 555.28 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 555.28 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 555.17 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 555.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.15 555.17 Td (1,662) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 555.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 555.17 Td (134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 555.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 555.17 Td (10,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 555.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 555.17 Td (12,461) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 555.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 555.17 Td (1,592,265) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 555.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 555.17 Td (1,604,726) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 521.6 m 242.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 521.6 m 246.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 521.6 m 306.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 521.6 m 310.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 521.6 m 370.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 521.6 m 374.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 521.6 m 434.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 521.6 m 438.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 521.6 m 498.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 521.6 m 502.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 521.6 m 562.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 488.6 m 242.5 488.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 488.6 m 306.5 488.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 488.6 m 370.5 488.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 488.6 m 434.5 488.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 488.6 m 498.5 488.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 488.6 m 562.5 488.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 385.6 m 242.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 371.6 m 242.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 369.6 m 242.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 385.6 m 306.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 371.6 m 306.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 369.6 m 306.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 385.6 m 370.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 371.6 m 370.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 369.6 m 370.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 385.6 m 434.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 371.6 m 434.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 369.6 m 434.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 385.6 m 498.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 371.6 m 498.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 369.6 m 498.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 385.6 m 562.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 371.6 m 562.5 371.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 369.6 m 562.5 369.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.75 525.83 Td (December) Tj ET Q q 0 0 0 rg BT 374.32 525.83 Td (31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 192.55 500.83 Td (3059 Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.75 492.83 Td (Past Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.55 500.83 Td (6089 Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.75 492.83 Td (Past Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.85 508.83 Td (90 Days or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.25 500.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 327.95 500.83 Td (eater) Tj ET Q q 0 0 0 rg BT 345.12 500.83 Td ( Past) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.10 492.83 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.90 500.83 Td (T) Tj ET Q q 0 0 0 rg BT 391.50 500.83 Td (otal Past) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.10 492.83 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.05 492.83 Td (Curr) Tj ET Q q 0 0 0 rg BT 471.31 492.83 Td (ent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.80 492.83 Td (T) Tj ET Q q 0 0 0 rg BT 516.40 492.83 Td (otal Loans) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 347.65 479.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 465.27 Td (Real estate loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 450.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.00 450.17 Td (............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 450.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.15 450.27 Td (1,248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 450.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 450.27 Td (2,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 450.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 450.27 Td (1,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 450.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 450.27 Td (4,653) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 450.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 450.27 Td (188,871) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 450.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 450.27 Td (193,524) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 435.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.50 435.17 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.15 435.27 Td (10,028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 435.27 Td (4,1) Tj ET Q q 0 0 0 rg BT 292.65 435.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 435.27 Td (2,074) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 435.27 Td (16,218) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 435.27 Td (971,024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 435.27 Td (987,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 420.27 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.50 420.17 Td (...........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 420.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 420.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 420.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 420.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 420.27 Td (101,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 420.27 Td (101,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 405.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.00 405.17 Td (................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.15 405.27 Td (4,318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 405.27 Td (162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 405.27 Td (481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 405.27 Td (4,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 405.27 Td (255,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 405.27 Td (259,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 390.27 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.50 390.17 Td (.................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.65 390.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 390.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.65 390.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 390.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 390.27 Td (614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 390.27 Td (619) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 375.28 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 375.28 Td (otal loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.00 375.17 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 375.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.15 375.27 Td (15,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 375.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.15 375.27 Td (6,522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 375.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 375.27 Td (3,718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 375.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 375.27 Td (25,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 375.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 375.27 Td (1,517,179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 375.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 375.27 Td (1,543,016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 353.10 Td (There ) Tj ET Q q 0 0 0 rg BT 95.82 353.10 Td (were ) Tj ET Q q 0 0 0 rg BT 117.74 353.10 Td (no ) Tj ET Q q 0 0 0 rg BT 130.24 353.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 153.85 353.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 198.56 353.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 228.82 353.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.54 353.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.54 353.10 Td (days ) Tj ET Q q 0 0 0 rg BT 281.87 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.80 353.10 Td (still ) Tj ET Q q 0 0 0 rg BT 316.31 353.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 353.23 353.10 Td (as ) Tj ET Q q 0 0 0 rg BT 364.06 353.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.89 353.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 433.48 353.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.48 353.10 Td ( ) Tj ET Q q 0 0 0 rg BT 455.98 353.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.81 353.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 525.39 353.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.39 353.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 335.10 Td (Loans on nonaccrual status) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 317.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 317.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 317.10 Td (is ) Tj ET Q q 0 0 0 rg BT 138.60 317.10 Td (a ) Tj ET Q q 0 0 0 rg BT 145.54 317.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 185.26 317.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.09 317.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 242.45 317.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 266.06 317.10 Td (by ) Tj ET Q q 0 0 0 rg BT 278.56 317.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 316.05 317.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 351.88 317.10 Td (as ) Tj ET Q q 0 0 0 rg BT 362.71 317.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.54 317.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 432.12 317.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.12 317.10 Td ( ) Tj ET Q q 0 0 0 rg BT 454.62 317.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.56 317.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.56 317.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 287.6 m 503.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 287.6 m 507.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 287.6 m 562.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 287.6 m 503.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 274.6 m 503.5 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 287.6 m 507.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 287.6 m 562.5 287.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 274.6 m 562.5 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 216.60000000000002 m 503.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 202.60000000000002 m 503.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 200.60000000000002 m 503.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 216.60000000000002 m 562.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 202.60000000000002 m 562.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 200.60000000000002 m 562.5 200.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 291.83 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 291.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 278.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 278.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 265.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 251.27 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 251.17 Td (.........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 251.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 251.27 Td (3,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 251.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 251.27 Td (1,590) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 236.27 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 236.17 Td (.......................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 236.27 Td (5,950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 236.27 Td (3,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 221.27 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.00 221.17 Td (..........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 221.27 Td (4,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 221.27 Td (520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 206.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 206.27 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 206.17 Td (..................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 206.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 206.27 Td (14,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 206.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 206.27 Td (5,481) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 184.10 Td (Lost ) Tj ET Q q 0 0 0 rg BT 90.12 184.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 121.89 184.10 Td (income ) Tj ET Q q 0 0 0 rg BT 153.66 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 166.00 184.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 189.44 184.10 Td (that ) Tj ET Q q 0 0 0 rg BT 206.78 184.10 Td (would ) Tj ET Q q 0 0 0 rg BT 234.11 184.10 Td (have ) Tj ET Q q 0 0 0 rg BT 255.33 184.10 Td (been ) Tj ET Q q 0 0 0 rg BT 276.54 184.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 322.74 184.10 Td (if ) Tj ET Q q 0 0 0 rg BT 331.19 184.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 354.64 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 366.97 184.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 413.17 184.10 Td (status ) Tj ET Q q 0 0 0 rg BT 438.29 184.10 Td (had ) Tj ET Q q 0 0 0 rg BT 455.07 184.10 Td (been ) Tj ET Q q 0 0 0 rg BT 476.28 184.10 Td (current ) Tj ET Q q 0 0 0 rg BT 506.94 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.05 184.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.89 172.10 Td (their ) Tj ET Q q 0 0 0 rg BT 90.33 172.10 Td (original ) Tj ET Q q 0 0 0 rg BT 123.54 172.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 147.87 172.10 Td (for ) Tj ET Q q 0 0 0 rg BT 161.64 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.97 172.10 Td (years ) Tj ET Q q 0 0 0 rg BT 199.18 172.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 225.16 172.10 Td (December ) Tj ET Q q 0 0 0 rg BT 268.36 172.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 282.97 172.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 307.58 172.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 329.69 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.24 172.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 368.35 172.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.01 172.10 Td ($1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.51 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 405.62 172.10 Td (million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.13 172.10 Td ($0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.63 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.74 172.10 Td (million ) Tj ET Q q 0 0 0 rg BT 489.74 172.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.29 172.10 Td ($17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.29 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 523.40 172.10 Td (thousand, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 160.10 Td (. ) Tj ET Q q 0 0 0 rg BT 102.22 160.10 Td (The ) Tj ET Q q 0 0 0 rg BT 119.99 160.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 152.21 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.76 160.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 188.85 160.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 220.51 160.10 Td (income ) Tj ET Q q 0 0 0 rg BT 252.16 160.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 298.25 160.10 Td (on ) Tj ET Q q 0 0 0 rg BT 310.47 160.10 Td (these ) Tj ET Q q 0 0 0 rg BT 333.24 160.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 356.57 160.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.34 160.10 Td ($1) Tj ET Q q 0 0 0 rg BT 383.97 160.10 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.97 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.19 160.10 Td (thousand, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.02 160.10 Td ($0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.52 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 451.74 160.10 Td (million ) Tj ET Q q 0 0 0 rg BT 482.86 160.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.52 160.10 Td ($0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.02 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.24 160.10 Td (million ) Tj ET Q q 0 0 0 rg BT 550.35 160.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 148.10 Td (years ) Tj ET Q q 0 0 0 rg BT 88.32 148.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 114.69 148.10 Td (December ) Tj ET Q q 0 0 0 rg BT 158.28 148.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 173.28 148.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 198.28 148.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 220.78 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.71 148.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 262.71 148.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 310.38 148.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 130.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.97 130.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 142.02 130.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.02 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.99 130.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.40 130.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.40 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 207.87 130.10 Td (there ) Tj ET Q q 0 0 0 rg BT 230.82 130.10 Td (were ) Tj ET Q q 0 0 0 rg BT 253.22 130.10 Td (no ) Tj ET Q q 0 0 0 rg BT 266.19 130.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 323.59 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.34 130.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 354.53 130.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 397.49 130.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 422.68 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.42 130.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 476.93 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 489.90 130.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 536.73 130.10 Td (status, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 118.10 Td (. ) Tj ET Q q 0 0 0 rg BT 102.95 118.10 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 151.81 118.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 175.71 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 196.27 118.10 Td (no ) Tj ET Q q 0 0 0 rg BT 209.06 118.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 242.93 118.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 274.59 118.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.58 118.10 Td ($1) Tj ET Q q 0 0 0 rg BT 314.21 118.10 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.71 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 329.50 118.10 Td (million ) Tj ET Q q 0 0 0 rg BT 361.17 118.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.40 118.10 Td ($3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.90 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.68 118.10 Td (million ) Tj ET Q q 0 0 0 rg BT 430.36 118.10 Td (at ) Tj ET Q q 0 0 0 rg BT 440.36 118.10 Td (December ) Tj ET Q q 0 0 0 rg BT 484.23 118.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 499.51 118.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 522.30 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.52 118.10 Td (2017, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 106.10 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 (87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Impair) Tj ET Q q 0 0 0 rg BT 79.82 742.25 Td (ed loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (An ) Tj ET Q q 0 0 0 rg BT 84.77 724.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 122.87 724.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 142.63 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 151.86 724.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 191.61 724.25 Td (one ) Tj ET Q q 0 0 0 rg BT 208.60 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 222.81 724.25 Td (which ) Tj ET Q q 0 0 0 rg BT 249.80 724.25 Td (it ) Tj ET Q q 0 0 0 rg BT 257.91 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 267.13 724.25 Td (probable, ) Tj ET Q q 0 0 0 rg BT 307.17 724.25 Td (based ) Tj ET Q q 0 0 0 rg BT 332.49 724.25 Td (on ) Tj ET Q q 0 0 0 rg BT 345.04 724.25 Td (current ) Tj ET Q q 0 0 0 rg BT 375.90 724.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 428.17 724.25 Td (that ) Tj ET Q q 0 0 0 rg BT 445.71 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.48 724.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 501.92 724.25 Td (will ) Tj ET Q q 0 0 0 rg BT 520.03 724.25 Td (not ) Tj ET Q q 0 0 0 rg BT 535.36 724.25 Td (collect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (all ) Tj ET Q q 0 0 0 rg BT 62.71 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.65 712.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 114.25 712.25 Td (due ) Tj ET Q q 0 0 0 rg BT 131.41 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 141.90 712.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 189.58 712.25 Td (with ) Tj ET Q q 0 0 0 rg BT 210.08 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.01 712.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 272.15 712.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 297.08 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 308.13 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 323.06 712.25 Td (loan. ) Tj ET Q q 0 0 0 rg BT 345.50 712.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 368.21 712.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 392.04 712.25 Td (are ) Tj ET Q q 0 0 0 rg BT 406.96 712.25 Td (individually ) Tj ET Q q 0 0 0 rg BT 458.01 712.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 499.04 712.25 Td (for ) Tj ET Q q 0 0 0 rg BT 513.42 712.25 Td (impairment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (When ) Tj ET Q q 0 0 0 rg BT 76.20 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.74 700.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 131.95 700.25 Td (classifies ) Tj ET Q q 0 0 0 rg BT 170.93 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 177.69 700.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 213.34 700.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 232.88 700.25 Td (as ) Tj ET Q q 0 0 0 rg BT 243.53 700.25 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 283.90 700.25 Td (it ) Tj ET Q q 0 0 0 rg BT 291.78 700.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 331.30 700.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 365.83 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 372.59 700.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 406.01 700.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 445.55 700.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 488.40 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 497.40 700.25 Td (required ) Tj ET Q q 0 0 0 rg BT 533.03 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 547.02 700.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 81.39 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 92.22 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 106.93 688.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 128.87 688.25 Td (that ) Tj ET Q q 0 0 0 rg BT 146.37 688.25 Td (is ) Tj ET Q q 0 0 0 rg BT 155.54 688.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 196.36 688.25 Td (to ) Tj ET Q q 0 0 0 rg BT 206.64 688.25 Td (be ) Tj ET Q q 0 0 0 rg BT 218.57 688.25 Td (impaired.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.11 670.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.57 670.25 Td (tables ) Tj ET Q q 0 0 0 rg BT 155.46 670.25 Td (summarize ) Tj ET Q q 0 0 0 rg BT 201.89 670.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 240.00 670.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 263.68 670.25 Td (by ) Tj ET Q q 0 0 0 rg BT 276.24 670.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 313.80 670.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 349.69 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 366.70 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.48 670.25 Td (average ) Tj ET Q q 0 0 0 rg BT 415.13 670.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 451.01 670.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 483.57 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 500.58 670.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 670.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 658.25 Td (on ) Tj ET Q q 0 0 0 rg BT 108.86 658.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 146.90 658.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 170.51 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 183.01 658.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 220.51 658.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 256.33 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 267.16 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.99 658.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 336.58 658.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.58 658.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.58 658.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.58 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 384.08 658.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.02 658.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.02 658.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 628.75 m 326.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 628.75 m 330.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 628.75 m 385.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 628.75 m 389.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 628.75 m 444.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 628.75 m 448.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 628.75 m 503.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 628.75 m 507.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 628.75 m 562.5 628.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 599.75 m 326.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 599.75 m 385.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 599.75 m 444.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 599.75 m 503.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 599.75 m 562.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 496.75 m 326.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 496.75 m 385.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 496.75 m 444.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 496.75 m 503.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 496.75 m 562.5 496.75 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 326.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 481.75 m 385.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 481.75 m 444.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 481.75 m 503.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 481.75 m 562.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 421.75 m 326.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 421.75 m 385.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 421.75 m 444.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 421.75 m 503.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 421.75 m 562.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 406.75 m 326.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 392.75 m 326.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 390.75 m 326.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 406.75 m 385.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 392.75 m 385.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 390.75 m 385.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 406.75 m 444.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 392.75 m 444.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 390.75 m 444.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 406.75 m 503.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 392.75 m 503.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 390.75 m 503.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 406.75 m 562.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 392.75 m 562.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 390.75 m 562.5 390.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.75 632.98 Td (As of and for) Tj ET Q q 0 0 0 rg BT 378.27 632.98 Td ( the ) Tj ET Q q 0 0 0 rg BT 392.64 632.98 Td (Y) Tj ET Q q 0 0 0 rg BT 397.53 632.98 Td (ear) Tj ET Q q 0 0 0 rg BT 408.49 632.98 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 469.22 632.98 Td (31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.70 611.98 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.45 603.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 344.80 619.98 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 341.70 611.98 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 343.90 603.98 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.25 611.98 Td (Associated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.70 603.98 Td (Allowance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.55 619.98 Td (A) Tj ET Q q 0 0 0 rg BT 466.73 619.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.70 611.98 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.45 603.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.20 619.98 Td (Inter) Tj ET Q q 0 0 0 rg BT 538.38 619.98 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.80 611.98 Td (Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.90 603.98 Td (Recognized) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 392.15 590.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 576.42 Td (Impaired loans without a valuation allowance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 561.42 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.00 561.32 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 561.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 561.42 Td (4,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 561.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 561.42 Td (4,613) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 561.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 561.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 561.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 561.42 Td (4,906) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 561.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 561.42 Td (106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 546.42 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 546.32 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 546.42 Td (6,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 546.42 Td (12,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 546.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 546.42 Td (1) Tj ET Q q 0 0 0 rg BT 477.15 546.42 Td (1,713) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 546.42 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 531.42 Td (Construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.50 531.32 Td (.................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 516.42 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 516.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 516.42 Td (5,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 516.42 Td (6,051) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 516.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 516.42 Td (4,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 516.42 Td (297) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 501.42 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.50 501.32 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 501.42 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.65 501.42 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 501.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 501.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 501.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 486.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 486.42 Td (otal impaired loans without a valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.50 486.32 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 486.42 Td (16,1) Tj ET Q q 0 0 0 rg BT 312.65 486.42 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 486.42 Td (22,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 486.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 486.42 Td (21,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 486.42 Td (423) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 471.42 Td (Impaired loans with a valuation allowance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 456.42 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.00 456.32 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 456.42 Td (2,014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 456.42 Td (2,054) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 456.42 Td (233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 456.42 Td (2,049) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 441.42 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 441.32 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 441.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.65 441.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 441.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 441.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 441.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 426.42 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 426.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 426.42 Td (943) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 426.42 Td (945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 426.42 Td (133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 426.42 Td (684) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 426.42 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 411.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 411.42 Td (otal impaired loans with a valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.00 411.32 Td (......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 411.42 Td (2,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 411.42 Td (2,999) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 411.42 Td (366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 411.42 Td (2,733) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 411.42 Td (25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 396.43 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 396.43 Td (otal impair) Tj ET Q q 0 0 0 rg BT 124.07 396.43 Td (ed loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 396.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 396.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 396.42 Td (19,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 396.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 396.42 Td (25,857) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 396.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 396.42 Td (366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 396.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 396.42 Td (24,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 396.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 396.42 Td (448) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 363.75 m 326.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 363.75 m 330.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 363.75 m 385.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 363.75 m 389.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 363.75 m 444.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 363.75 m 448.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 363.75 m 503.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 363.75 m 507.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 363.75 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 271.5 329.75 m 326.5 329.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 329.75 m 385.5 329.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 329.75 m 444.5 329.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 329.75 m 503.5 329.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 329.75 m 562.5 329.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 261.75 m 326.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 261.75 m 385.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 261.75 m 444.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 261.75 m 503.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 261.75 m 562.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 247.75 m 326.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 247.75 m 385.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 247.75 m 444.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 247.75 m 503.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 247.75 m 562.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 191.75 m 326.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 191.75 m 385.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 191.75 m 444.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 191.75 m 503.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 191.75 m 562.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 177.75 m 326.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 177.75 m 385.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 177.75 m 444.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 177.75 m 503.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 177.75 m 562.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 164.75 m 326.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 162.75 m 326.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 164.75 m 385.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 162.75 m 385.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 164.75 m 444.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 162.75 m 444.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 164.75 m 503.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 162.75 m 503.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 164.75 m 562.5 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 162.75 m 562.5 162.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.75 367.83 Td (As of and for) Tj ET Q q 0 0 0 rg BT 378.27 367.83 Td ( the ) Tj ET Q q 0 0 0 rg BT 392.64 367.83 Td (Y) Tj ET Q q 0 0 0 rg BT 397.53 367.83 Td (ear) Tj ET Q q 0 0 0 rg BT 408.49 367.83 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 469.22 367.83 Td (31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.70 341.98 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.45 333.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 344.80 349.98 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 341.70 341.98 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 343.90 333.98 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.25 341.98 Td (Associated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.70 333.98 Td (Allowance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.55 349.98 Td (A) Tj ET Q q 0 0 0 rg BT 466.73 349.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.70 341.98 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.45 333.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.20 349.98 Td (Inter) Tj ET Q q 0 0 0 rg BT 538.38 349.98 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.80 341.98 Td (Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.90 333.98 Td (Recognized) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 392.15 321.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 308.32 Td (Impaired loans without a valuation allowance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 294.32 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.00 294.32 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 294.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 294.32 Td (3,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 294.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 294.32 Td (3,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 294.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 294.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 294.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 294.32 Td (3,530) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 294.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 294.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 280.32 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 280.32 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 280.32 Td (1,841) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 280.32 Td (1,915) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 280.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 280.32 Td (1,916) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 280.32 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 266.32 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 266.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 266.32 Td (1,950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 266.32 Td (2,024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 266.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 266.32 Td (2,109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 266.32 Td (89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 252.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 252.32 Td (otal impaired loans without a valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.50 252.32 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 252.32 Td (7,306) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 252.32 Td (7,495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 252.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 252.32 Td (7,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 252.32 Td (1) Tj ET Q q 0 0 0 rg BT 548.65 252.32 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 238.32 Td (Impaired loans with a valuation allowance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 224.32 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.00 224.32 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 224.32 Td (1,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 224.32 Td (1,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 224.32 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 224.32 Td (1,100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 224.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 210.32 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 210.32 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 210.32 Td (5,745) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 210.32 Td (5,745) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 210.32 Td (876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 210.32 Td (5,854) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 210.32 Td (261) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 196.32 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 196.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 196.32 Td (710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 196.32 Td (712) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 196.32 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 196.32 Td (873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 196.32 Td (47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 182.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 182.32 Td (otal impaired loans with a valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.00 182.32 Td (......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 182.32 Td (7,547) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 182.32 Td (7,549) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 182.32 Td (955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 182.32 Td (7,827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 182.32 Td (308) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 168.43 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 168.43 Td (otal impair) Tj ET Q q 0 0 0 rg BT 124.07 168.43 Td (ed loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 168.32 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 168.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 168.32 Td (14,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 168.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 168.32 Td (15,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 168.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 168.32 Td (955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 168.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 168.32 Td (15,382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 168.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 168.32 Td (418) Tj ET Q BT /F1 10.00 Tf ET 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 (88) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 735.5 m 326.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 735.5 m 330.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 735.5 m 385.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 735.5 m 389.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 735.5 m 444.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 735.5 m 448.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 735.5 m 503.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 735.5 m 507.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 706.5 m 326.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 706.5 m 385.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 706.5 m 444.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 706.5 m 503.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 706.5 m 562.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 633.5 m 326.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 633.5 m 385.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 633.5 m 444.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 633.5 m 503.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 633.5 m 562.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 618.5 m 326.5 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 618.5 m 385.5 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 618.5 m 444.5 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 618.5 m 503.5 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 618.5 m 562.5 618.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 558.5 m 326.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 558.5 m 385.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 558.5 m 444.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 558.5 m 503.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 558.5 m 562.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 543.5 m 326.5 543.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 543.5 m 385.5 543.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 543.5 m 444.5 543.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 543.5 m 503.5 543.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 543.5 m 562.5 543.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 529.5 m 326.5 529.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 527.5 m 326.5 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 529.5 m 385.5 529.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 527.5 m 385.5 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 529.5 m 444.5 529.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 527.5 m 444.5 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 529.5 m 503.5 529.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 527.5 m 503.5 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 529.5 m 562.5 529.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 527.5 m 562.5 527.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.75 739.73 Td (As of and for) Tj ET Q q 0 0 0 rg BT 378.27 739.73 Td ( the ) Tj ET Q q 0 0 0 rg BT 392.64 739.73 Td (Y) Tj ET Q q 0 0 0 rg BT 397.53 739.73 Td (ear) Tj ET Q q 0 0 0 rg BT 408.49 739.73 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 469.22 739.73 Td (31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.70 718.73 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.45 710.73 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 344.80 726.73 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 341.70 718.73 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 343.90 710.73 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.25 718.73 Td (Associated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.70 710.73 Td (Allowance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.55 726.73 Td (A) Tj ET Q q 0 0 0 rg BT 466.73 726.73 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.70 718.73 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.45 710.73 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.20 726.73 Td (Inter) Tj ET Q q 0 0 0 rg BT 538.38 726.73 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.80 718.73 Td (Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.90 710.73 Td (Recognized) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 392.15 697.73 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 683.17 Td (Impaired loans without a valuation allowance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 668.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.00 668.07 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 668.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 668.17 Td (1,681) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 668.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 668.17 Td (1,700) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 668.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 668.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 668.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 668.17 Td (1,692) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 668.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 668.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 653.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 653.07 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 653.17 Td (651) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 653.17 Td (651) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 653.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 653.17 Td (668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 653.17 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 638.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 638.07 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 638.17 Td (1,123) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 638.17 Td (1,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 638.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 638.17 Td (1,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 638.17 Td (1) Tj ET Q q 0 0 0 rg BT 548.65 638.17 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 623.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 623.17 Td (otal impaired loans without a valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.50 623.07 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 623.17 Td (3,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 623.17 Td (3,528) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 623.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 623.17 Td (3,976) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 623.17 Td (160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 608.17 Td (Impaired loans with a valuation allowance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 593.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 593.07 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 593.17 Td (267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 593.17 Td (267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 593.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 593.17 Td (272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 593.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 578.17 Td (Commercial business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 578.07 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 578.17 Td (759) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 578.17 Td (759) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 578.17 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 578.17 Td (823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 578.17 Td (41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 563.17 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.50 563.07 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 563.17 Td (368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 563.17 Td (368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 563.17 Td (368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 563.17 Td (368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 563.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 548.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 548.17 Td (otal impaired loans with a valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.00 548.07 Td (......) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 548.17 Td (1,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 548.17 Td (1,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 548.17 Td (418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 548.17 Td (1,463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 548.17 Td (47) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 533.18 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 533.18 Td (otal impair) Tj ET Q q 0 0 0 rg BT 124.07 533.18 Td (ed loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 533.07 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 533.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 533.17 Td (4,849) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 533.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 533.17 Td (4,922) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 533.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 533.17 Td (418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 533.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 533.17 Td (5,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 533.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 533.17 Td (207) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.00 Td (T) Tj ET Q q 0 0 0 rg BT 55.93 511.00 Td (r) Tj ET Q q 0 0 0 rg BT 60.19 511.00 Td (oubled debt r) Tj ET Q q 0 0 0 rg BT 117.24 511.00 Td (estructurings \(TDRs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 493.00 Td (Modifications ) Tj ET Q q 0 0 0 rg BT 128.54 493.00 Td (to ) Tj ET Q q 0 0 0 rg BT 138.76 493.00 Td (a ) Tj ET Q q 0 0 0 rg BT 145.64 493.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 165.30 493.00 Td (are ) Tj ET Q q 0 0 0 rg BT 179.95 493.00 Td (considered ) Tj ET Q q 0 0 0 rg BT 225.70 493.00 Td (to ) Tj ET Q q 0 0 0 rg BT 235.92 493.00 Td (be ) Tj ET Q q 0 0 0 rg BT 247.80 493.00 Td (a ) Tj ET Q q 0 0 0 rg BT 254.68 493.00 Td (troubled ) Tj ET Q q 0 0 0 rg BT 290.44 493.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 310.10 493.00 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 363.64 493.00 Td (when ) Tj ET Q q 0 0 0 rg BT 387.74 493.00 Td (both ) Tj ET Q q 0 0 0 rg BT 407.96 493.00 Td (of ) Tj ET Q q 0 0 0 rg BT 418.73 493.00 Td (the ) Tj ET Q q 0 0 0 rg BT 433.38 493.00 Td (following ) Tj ET Q q 0 0 0 rg BT 474.71 493.00 Td (conditions ) Tj ET Q q 0 0 0 rg BT 518.82 493.00 Td (are ) Tj ET Q q 0 0 0 rg BT 533.46 493.00 Td (met: ) Tj ET Q q 0 0 0 rg BT 553.68 493.00 Td (1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.00 Td (the ) Tj ET Q q 0 0 0 rg BT 64.68 481.00 Td (borrower ) Tj ET Q q 0 0 0 rg BT 103.79 481.00 Td (is ) Tj ET Q q 0 0 0 rg BT 112.92 481.00 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 167.03 481.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 204.47 481.00 Td (dif) Tj ET Q q 0 0 0 rg BT 215.40 481.00 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 250.07 481.00 Td (and ) Tj ET Q q 0 0 0 rg BT 266.97 481.00 Td (2\) ) Tj ET Q q 0 0 0 rg BT 277.77 481.00 Td (the ) Tj ET Q q 0 0 0 rg BT 292.44 481.00 Td (modification ) Tj ET Q q 0 0 0 rg BT 346.01 481.00 Td (constitutes ) Tj ET Q q 0 0 0 rg BT 391.24 481.00 Td (a ) Tj ET Q q 0 0 0 rg BT 398.14 481.00 Td (concession ) Tj ET Q q 0 0 0 rg BT 444.48 481.00 Td (that ) Tj ET Q q 0 0 0 rg BT 461.94 481.00 Td (is ) Tj ET Q q 0 0 0 rg BT 471.07 481.00 Td (not ) Tj ET Q q 0 0 0 rg BT 486.31 481.00 Td (in ) Tj ET Q q 0 0 0 rg BT 496.55 481.00 Td (line ) Tj ET Q q 0 0 0 rg BT 514.01 481.00 Td (with ) Tj ET Q q 0 0 0 rg BT 534.25 481.00 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.12 469.00 Td (and/or ) Tj ET Q q 0 0 0 rg BT 98.92 469.00 Td (terms. ) Tj ET Q q 0 0 0 rg BT 125.88 469.00 Td (Modified ) Tj ET Q q 0 0 0 rg BT 165.35 469.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 189.81 469.00 Td (are ) Tj ET Q q 0 0 0 rg BT 204.27 469.00 Td (dependent ) Tj ET Q q 0 0 0 rg BT 247.61 469.00 Td (upon ) Tj ET Q q 0 0 0 rg BT 269.86 469.00 Td (the ) Tj ET Q q 0 0 0 rg BT 284.32 469.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 321.55 469.00 Td (position ) Tj ET Q q 0 0 0 rg BT 356.02 469.00 Td (and ) Tj ET Q q 0 0 0 rg BT 372.71 469.00 Td (needs ) Tj ET Q q 0 0 0 rg BT 397.72 469.00 Td (of ) Tj ET Q q 0 0 0 rg BT 408.30 469.00 Td (the ) Tj ET Q q 0 0 0 rg BT 422.77 469.00 Td (individual ) Tj ET Q q 0 0 0 rg BT 465.57 469.00 Td (borrower) Tj ET Q q 0 0 0 rg BT 501.66 469.00 Td (. ) Tj ET Q q 0 0 0 rg BT 506.25 469.00 Td (T) Tj ET Q q 0 0 0 rg BT 512.01 469.00 Td (roubled ) Tj ET Q q 0 0 0 rg BT 544.80 469.00 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.00 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 107.49 457.00 Td (are ) Tj ET Q q 0 0 0 rg BT 122.19 457.00 Td (classified ) Tj ET Q q 0 0 0 rg BT 162.46 457.00 Td (as ) Tj ET Q q 0 0 0 rg BT 173.29 457.00 Td (impaired ) Tj ET Q q 0 0 0 rg BT 211.33 457.00 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 439.00 Td (If ) Tj ET Q q 0 0 0 rg BT 79.21 439.00 Td (a ) Tj ET Q q 0 0 0 rg BT 86.19 439.00 Td (performing ) Tj ET Q q 0 0 0 rg BT 133.72 439.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 153.49 439.00 Td (is ) Tj ET Q q 0 0 0 rg BT 162.70 439.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 213.00 439.00 Td (into ) Tj ET Q q 0 0 0 rg BT 231.11 439.00 Td (a ) Tj ET Q q 0 0 0 rg BT 237.91 439.00 Td (TDR ) Tj ET Q q 0 0 0 rg BT 260.45 439.00 Td (it ) Tj ET Q q 0 0 0 rg BT 268.56 439.00 Td (remains ) Tj ET Q q 0 0 0 rg BT 302.76 439.00 Td (in ) Tj ET Q q 0 0 0 rg BT 313.08 439.00 Td (performing ) Tj ET Q q 0 0 0 rg BT 360.61 439.00 Td (status. ) Tj ET Q q 0 0 0 rg BT 388.44 439.00 Td (If ) Tj ET Q q 0 0 0 rg BT 397.65 439.00 Td (a ) Tj ET Q q 0 0 0 rg BT 404.63 439.00 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 467.16 439.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 486.93 439.00 Td (is ) Tj ET Q q 0 0 0 rg BT 496.14 439.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 546.44 439.00 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.00 Td (a ) Tj ET Q q 0 0 0 rg BT 57.08 427.00 Td (TDR, ) Tj ET Q q 0 0 0 rg BT 82.43 427.00 Td (it ) Tj ET Q q 0 0 0 rg BT 90.84 427.00 Td (continues ) Tj ET Q q 0 0 0 rg BT 132.01 427.00 Td (to ) Tj ET Q q 0 0 0 rg BT 142.64 427.00 Td (be ) Tj ET Q q 0 0 0 rg BT 154.93 427.00 Td (carried ) Tj ET Q q 0 0 0 rg BT 185.53 427.00 Td (in ) Tj ET Q q 0 0 0 rg BT 196.16 427.00 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 242.87 427.00 Td (status. ) Tj ET Q q 0 0 0 rg BT 271.00 427.00 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 319.93 427.00 Td (classification ) Tj ET Q q 0 0 0 rg BT 375.54 427.00 Td (may ) Tj ET Q q 0 0 0 rg BT 395.60 427.00 Td (be ) Tj ET Q q 0 0 0 rg BT 407.89 427.00 Td (removed ) Tj ET Q q 0 0 0 rg BT 445.72 427.00 Td (if ) Tj ET Q q 0 0 0 rg BT 454.68 427.00 Td (the ) Tj ET Q q 0 0 0 rg BT 469.75 427.00 Td (borrower ) Tj ET Q q 0 0 0 rg BT 509.25 427.00 Td (demonstrates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.00 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.59 415.00 Td (with ) Tj ET Q q 0 0 0 rg BT 118.87 415.00 Td (the ) Tj ET Q q 0 0 0 rg BT 133.58 415.00 Td (modified ) Tj ET Q q 0 0 0 rg BT 172.19 415.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 196.90 415.00 Td (for ) Tj ET Q q 0 0 0 rg BT 211.06 415.00 Td (a ) Tj ET Q q 0 0 0 rg BT 218.00 415.00 Td (minimum ) Tj ET Q q 0 0 0 rg BT 259.39 415.00 Td (of ) Tj ET Q q 0 0 0 rg BT 270.22 415.00 Td (sixmonths.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 397.00 Td (Loans ) Tj ET Q q 0 0 0 rg BT 96.94 397.00 Td (classified ) Tj ET Q q 0 0 0 rg BT 137.20 397.00 Td (as ) Tj ET Q q 0 0 0 rg BT 147.85 397.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 174.24 397.00 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.96 397.00 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 223.96 397.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.85 397.00 Td ( ) Tj ET Q q 0 0 0 rg BT 255.35 397.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.06 397.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 323.65 397.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 397.00 Td ( ) Tj ET Q q 0 0 0 rg BT 346.15 397.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.09 397.00 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 383.09 397.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.98 397.00 Td ( ) Tj ET Q q 0 0 0 rg BT 414.48 397.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.19 397.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 482.78 397.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.78 397.00 Td (.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 619.27 Td (2,669) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 619.27 Td (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 619.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 604.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.75 604.28 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 604.17 Td (..............................................................................................................) 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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 540.10 Td (6. ) Tj ET Q q 0 0 0 rg BT 68.00 540.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 78.37 540.10 Td (emises and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 522.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.50 522.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 139.08 522.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.08 522.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.58 522.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.52 522.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.52 522.10 Td (, ) Tj ET Q q 0 0 0 rg BT 203.52 522.10 Td (premises ) Tj ET Q q 0 0 0 rg BT 241.57 522.10 Td (and ) Tj ET Q q 0 0 0 rg BT 258.51 522.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 303.22 522.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 342.94 522.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.77 522.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.48 522.10 Td (following:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 492.6 m 503.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 492.6 m 507.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 492.6 m 562.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 492.6 m 503.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 479.6 m 503.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 492.6 m 507.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 492.6 m 562.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 479.6 m 562.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 376.6 m 503.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 376.6 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 448.5 346.6 m 503.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 346.6 m 562.5 346.6 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 507.5 332.6 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 8.00 Tf ET q 0 0 0 rg BT 481.75 496.83 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 496.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 483.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 483.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 470.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 456.27 Td (Land) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 456.17 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 456.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 456.27 Td (2,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 456.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 456.27 Td (2,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 441.27 Td (Building) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 441.17 Td (..............................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 441.27 Td (14,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 441.27 Td (14,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 426.27 Td (Leasehold improvements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.00 426.17 Td (....................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 426.27 Td (6,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 426.27 Td (4,558) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 411.27 Td (Furniture and fixtures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 411.17 Td (.........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 411.27 Td (3,584) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 411.27 Td (3,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 396.27 Td (Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.50 396.17 Td (...........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 396.27 Td (4,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 396.27 Td (4,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 381.27 Td (Automobiles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.00 381.17 Td (........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 381.27 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 381.27 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 366.27 Td (30,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 366.27 Td (28,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 351.27 Td (Accumulated depreciation and amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.00 351.17 Td (......................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.80 351.32 Td (\(10,543) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 351.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 351.32 Td (\(10,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 351.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 336.28 Td (Pr) Tj ET Q q 0 0 0 rg BT 69.37 336.28 Td (emises and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.50 336.17 Td (.........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 336.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 336.27 Td (19,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 336.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 336.27 Td (18,196) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 314.10 Td (For ) Tj ET Q q 0 0 0 rg BT 87.31 314.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 126.55 314.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.85 314.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 213.36 314.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.36 314.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.28 314.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.28 314.10 Td ( ) Tj ET Q q 0 0 0 rg BT 262.70 314.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.56 314.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.56 314.10 Td (, ) Tj ET Q q 0 0 0 rg BT 306.48 314.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 359.32 314.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.18 314.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 431.14 314.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 466.77 314.10 Td (related ) Tj ET Q q 0 0 0 rg BT 497.39 314.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.59 314.10 Td (premises ) Tj ET Q q 0 0 0 rg BT 547.56 314.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 302.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 94.71 302.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.42 302.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 144.42 302.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.32 302.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.32 302.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 198.32 302.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.21 302.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.71 302.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.65 302.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 266.65 302.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.54 302.10 Td (, ) Tj ET Q q 0 0 0 rg BT 300.54 302.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 348.20 302.10 Td (.) 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 (90) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (7. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Other) Tj ET Q q 0 0 0 rg BT 93.37 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 95.31 742.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 724.25 Td (components ) Tj ET Q q 0 0 0 rg BT 136.87 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.70 724.25 Td (other ) Tj ET Q q 0 0 0 rg BT 170.75 724.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 196.58 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 207.41 724.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.24 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 276.82 724.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.82 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 299.32 724.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.26 724.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.26 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 338.76 724.25 Td (are ) Tj ET Q q 0 0 0 rg BT 353.47 724.25 Td (summarized ) Tj ET Q q 0 0 0 rg BT 404.84 724.25 Td (below:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 686.75 m 503.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 686.75 m 562.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 613.75 m 503.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 613.75 m 562.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 599.75 m 503.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 597.75 m 503.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 599.75 m 562.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 597.75 m 562.5 597.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.25 698.98 Td (December) Tj ET Q q 0 0 0 rg BT 486.82 698.98 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 690.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.25 698.98 Td (December) Tj ET Q q 0 0 0 rg BT 545.75 698.98 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 690.98 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 677.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 663.42 Td (Deferred compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 663.32 Td (.......................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 663.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 663.42 Td (2,618) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 663.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 663.42 Td (4,097) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 648.42 Td (Servicing assets, net of valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.00 648.32 Td (......................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 648.42 Td (870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 648.42 Td (1,1) Tj ET Q q 0 0 0 rg BT 548.65 648.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 633.42 Td (Derivative assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.50 633.32 Td (.................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 633.42 Td (2,868) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 633.42 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 618.42 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 618.32 Td (...................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 618.42 Td (3,681) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 618.42 Td (3,204) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 603.43 Td (T) Tj ET Q q 0 0 0 rg BT 64.75 603.43 Td (otal Other) Tj ET Q q 0 0 0 rg BT 108.73 603.43 Td ( ) Tj ET Q q 0 0 0 rg BT 110.67 603.43 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.50 603.32 Td (...........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 603.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 603.42 Td (10,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 603.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 603.42 Td (10,448) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 581.25 Td (Deferred compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 563.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.94 563.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.23 563.25 Td (has ) Tj ET Q q 0 0 0 rg BT 144.95 563.25 Td (a ) Tj ET Q q 0 0 0 rg BT 151.79 563.25 Td (non-qualified ) Tj ET Q q 0 0 0 rg BT 208.06 563.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 243.76 563.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 301.70 563.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 321.31 563.25 Td (for ) Tj ET Q q 0 0 0 rg BT 335.37 563.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.98 563.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 376.82 563.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.54 563.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 427.15 563.25 Td (that ) Tj ET Q q 0 0 0 rg BT 444.54 563.25 Td (allows ) Tj ET Q q 0 0 0 rg BT 473.04 563.25 Td (for ) Tj ET Q q 0 0 0 rg BT 487.10 563.25 Td (the ) Tj ET Q q 0 0 0 rg BT 501.71 563.25 Td (deferral ) Tj ET Q q 0 0 0 rg BT 535.19 563.25 Td (of ) Tj ET Q q 0 0 0 rg BT 545.92 563.25 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 551.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 78.79 551.25 Td (related ) Tj ET Q q 0 0 0 rg BT 108.13 551.25 Td (to ) Tj ET Q q 0 0 0 rg BT 118.06 551.25 Td (services ) Tj ET Q q 0 0 0 rg BT 152.41 551.25 Td (rendered ) Tj ET Q q 0 0 0 rg BT 189.53 551.25 Td (for ) Tj ET Q q 0 0 0 rg BT 203.33 551.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.69 551.25 Td (Company) Tj ET Q q 0 0 0 rg BT 255.93 551.25 Td (. ) Tj ET Q q 0 0 0 rg BT 260.42 551.25 Td (The ) Tj ET Q q 0 0 0 rg BT 278.11 551.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 313.56 551.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 371.24 551.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 403.92 551.25 Td (declined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.93 551.25 Td ($1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.43 551.25 Td ( ) Tj ET Q q 0 0 0 rg BT 459.58 551.25 Td (million ) Tj ET Q q 0 0 0 rg BT 490.61 551.25 Td (for ) Tj ET Q q 0 0 0 rg BT 504.42 551.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.78 551.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 551.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 539.25 Td (December ) Tj ET Q q 0 0 0 rg BT 93.59 539.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 108.60 539.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 131.10 539.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.03 539.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.32 539.25 Td (the ) Tj ET Q q 0 0 0 rg BT 198.04 539.25 Td (year ) Tj ET Q q 0 0 0 rg BT 217.75 539.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 244.14 539.25 Td (December ) Tj ET Q q 0 0 0 rg BT 287.73 539.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 302.73 539.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 327.56 539.25 Td (The ) Tj ET Q q 0 0 0 rg BT 345.61 539.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 376.99 539.25 Td (was ) Tj ET Q q 0 0 0 rg BT 395.05 539.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 434.77 539.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 462.82 539.25 Td (by ) Tj ET Q q 0 0 0 rg BT 475.33 539.25 Td (distributions ) Tj ET Q q 0 0 0 rg BT 527.84 539.25 Td (from ) Tj ET Q q 0 0 0 rg BT 549.78 539.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 527.25 Td (plan.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 509.25 Td (Loan servicing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 491.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.96 491.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.49 491.25 Td (sells ) Tj ET Q q 0 0 0 rg BT 131.68 491.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 155.21 491.25 Td (in ) Tj ET Q q 0 0 0 rg BT 165.41 491.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.04 491.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 222.99 491.25 Td (market ) Tj ET Q q 0 0 0 rg BT 253.17 491.25 Td (and ) Tj ET Q q 0 0 0 rg BT 270.03 491.25 Td (retains ) Tj ET Q q 0 0 0 rg BT 299.10 491.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.74 491.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 341.70 491.25 Td (to ) Tj ET Q q 0 0 0 rg BT 351.90 491.25 Td (service ) Tj ET Q q 0 0 0 rg BT 382.63 491.25 Td (many ) Tj ET Q q 0 0 0 rg BT 407.27 491.25 Td (of ) Tj ET Q q 0 0 0 rg BT 418.01 491.25 Td (these ) Tj ET Q q 0 0 0 rg BT 440.98 491.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 466.83 491.25 Td (The ) Tj ET Q q 0 0 0 rg BT 484.79 491.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 508.32 491.25 Td (earns ) Tj ET Q q 0 0 0 rg BT 531.83 491.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 550.35 491.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 479.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.55 479.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 103.53 479.25 Td (provided. ) Tj ET Q q 0 0 0 rg BT 143.91 479.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 170.67 479.25 Td (serviced ) Tj ET Q q 0 0 0 rg BT 206.32 479.25 Td (for ) Tj ET Q q 0 0 0 rg BT 220.31 479.25 Td (others ) Tj ET Q q 0 0 0 rg BT 247.08 479.25 Td (are ) Tj ET Q q 0 0 0 rg BT 261.61 479.25 Td (not ) Tj ET Q q 0 0 0 rg BT 276.72 479.25 Td (included ) Tj ET Q q 0 0 0 rg BT 313.48 479.25 Td (in ) Tj ET Q q 0 0 0 rg BT 323.59 479.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.13 479.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 398.77 479.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 451.65 479.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 484.51 479.25 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 513.61 479.25 Td (The ) Tj ET Q q 0 0 0 rg BT 531.48 479.25 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 467.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.06 467.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 82.90 467.25 Td (serviced ) Tj ET Q q 0 0 0 rg BT 117.95 467.25 Td (for ) Tj ET Q q 0 0 0 rg BT 131.34 467.25 Td (others ) Tj ET Q q 0 0 0 rg BT 157.51 467.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.80 467.25 Td ($122.4 ) Tj ET Q q 0 0 0 rg BT 204.03 467.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.92 467.25 Td ( ) Tj ET Q q 0 0 0 rg BT 234.66 467.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.83 467.25 Td ($122.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.33 467.25 Td ( ) Tj ET Q q 0 0 0 rg BT 280.06 467.25 Td (million ) Tj ET Q q 0 0 0 rg BT 310.68 467.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.63 467.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 377.45 467.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.45 467.25 Td ( ) Tj ET Q q 0 0 0 rg BT 399.18 467.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.35 467.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.35 467.25 Td (, ) Tj ET Q q 0 0 0 rg BT 439.58 467.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 487.25 467.25 Td (. ) Tj ET Q q 0 0 0 rg BT 491.35 467.25 Td (The ) Tj ET Q q 0 0 0 rg BT 508.63 467.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 529.26 467.25 Td (inherent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 455.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.02 455.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 98.91 455.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 124.48 455.25 Td (relate ) Tj ET Q q 0 0 0 rg BT 148.93 455.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 188.38 455.25 Td (to ) Tj ET Q q 0 0 0 rg BT 198.40 455.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 232.84 455.25 Td (in ) Tj ET Q q 0 0 0 rg BT 242.86 455.25 Td (the ) Tj ET Q q 0 0 0 rg BT 257.32 455.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 285.67 455.25 Td (of ) Tj ET Q q 0 0 0 rg BT 296.24 455.25 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 349.58 455.25 Td (that ) Tj ET Q q 0 0 0 rg BT 366.81 455.25 Td (result ) Tj ET Q q 0 0 0 rg BT 391.27 455.25 Td (from ) Tj ET Q q 0 0 0 rg BT 412.95 455.25 Td (shifts ) Tj ET Q q 0 0 0 rg BT 436.86 455.25 Td (in ) Tj ET Q q 0 0 0 rg BT 446.88 455.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 478.55 455.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 502.01 455.25 Td (The ) Tj ET Q q 0 0 0 rg BT 519.79 455.25 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 443.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 102.29 443.25 Td (used ) Tj ET Q q 0 0 0 rg BT 123.46 443.25 Td (in ) Tj ET Q q 0 0 0 rg BT 134.07 443.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.13 443.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 189.18 443.25 Td (at ) Tj ET Q q 0 0 0 rg BT 199.24 443.25 Td (year) Tj ET Q q 0 0 0 rg BT 216.25 443.25 Td (-end ) Tj ET Q q 0 0 0 rg BT 236.85 443.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 259.69 443.25 Td (for ) Tj ET Q q 0 0 0 rg BT 274.19 443.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 313.69 443.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 339.86 443.25 Td (included ) Tj ET Q q 0 0 0 rg BT 377.13 443.25 Td (a ) Tj ET Q q 0 0 0 rg BT 384.41 443.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 421.13 443.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 438.96 443.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 472.34 443.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.62 443.25 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.95 443.25 Td ( ) Tj ET Q q 0 0 0 rg BT 515.79 443.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.41 443.25 Td (12%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.74 443.25 Td ( ) Tj ET Q q 0 0 0 rg BT 547.58 443.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 431.25 Td (pre-payment ) Tj ET Q q 0 0 0 rg BT 102.82 431.25 Td (speed ) Tj ET Q q 0 0 0 rg BT 127.87 431.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 179.60 431.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 212.43 431.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.16 431.25 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.49 431.25 Td ( ) Tj ET Q q 0 0 0 rg BT 249.77 431.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.83 431.25 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.16 431.25 Td (. ) Tj ET Q q 0 0 0 rg BT 282.78 431.25 Td (The ) Tj ET Q q 0 0 0 rg BT 300.61 431.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 345.11 431.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 396.84 431.25 Td (used ) Tj ET Q q 0 0 0 rg BT 417.45 431.25 Td (in ) Tj ET Q q 0 0 0 rg BT 427.52 431.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.02 431.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 481.51 431.25 Td (at ) Tj ET Q q 0 0 0 rg BT 491.02 431.25 Td (year) Tj ET Q q 0 0 0 rg BT 508.02 431.25 Td (-end ) Tj ET Q q 0 0 0 rg BT 528.07 431.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 550.36 431.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 419.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.16 419.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.99 419.25 Td (included ) Tj ET Q q 0 0 0 rg BT 151.92 419.25 Td (a ) Tj ET Q q 0 0 0 rg BT 158.86 419.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 195.24 419.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 212.73 419.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 245.78 419.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.71 419.25 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.04 419.25 Td ( ) Tj ET Q q 0 0 0 rg BT 283.54 419.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.82 419.25 Td (12%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 419.25 Td ( ) Tj ET Q q 0 0 0 rg BT 314.65 419.25 Td (and ) Tj ET Q q 0 0 0 rg BT 331.59 419.25 Td (pre-payment ) Tj ET Q q 0 0 0 rg BT 384.62 419.25 Td (speed ) Tj ET Q q 0 0 0 rg BT 409.89 419.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 461.84 419.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 494.89 419.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.83 419.25 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.16 419.25 Td ( ) Tj ET Q q 0 0 0 rg BT 532.66 419.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.93 419.25 Td (9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 556.26 419.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 401.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.44 401.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 120.64 401.25 Td (value ) Tj ET Q q 0 0 0 rg BT 144.18 401.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.40 401.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 173.51 401.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 212.05 401.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 236.72 401.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.16 401.25 Td ($0.9 ) Tj ET Q q 0 0 0 rg BT 273.55 401.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.44 401.25 Td ( ) Tj ET Q q 0 0 0 rg BT 304.33 401.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.66 401.25 Td ($1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.16 401.25 Td ( ) Tj ET Q q 0 0 0 rg BT 340.04 401.25 Td (million ) Tj ET Q q 0 0 0 rg BT 370.82 401.25 Td (as ) Tj ET Q q 0 0 0 rg BT 381.04 401.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.26 401.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 449.23 401.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.23 401.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.12 401.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.45 401.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.45 401.25 Td (, ) Tj ET Q q 0 0 0 rg BT 511.84 401.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 401.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 383.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 383.25 Td (following ) Tj ET Q q 0 0 0 rg BT 127.43 383.25 Td (table ) Tj ET Q q 0 0 0 rg BT 149.37 383.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 184.64 383.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.35 383.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 234.06 383.25 Td (in ) Tj ET Q q 0 0 0 rg BT 244.34 383.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 280.15 383.25 Td (value ) Tj ET Q q 0 0 0 rg BT 304.31 383.25 Td (for ) Tj ET Q q 0 0 0 rg BT 318.47 383.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 338.19 383.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 377.34 383.25 Td (assets:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 345.75 m 497.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 345.75 m 562.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 242.75 m 497.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 228.75 m 497.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 226.75 m 497.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 242.75 m 562.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 228.75 m 562.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 226.75 m 562.5 226.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 443.25 357.98 Td (December) Tj ET Q q 0 0 0 rg BT 477.82 357.98 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.50 349.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.25 357.98 Td (December) Tj ET Q q 0 0 0 rg BT 542.75 357.98 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.50 349.98 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 474.65 336.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 322.42 Td (Loan Servicing Rights:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 307.43 Td (Balance at beginning of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.50 307.32 Td (.......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.00 307.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 307.42 Td (1,1) Tj ET Q q 0 0 0 rg BT 483.65 307.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.00 307.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 307.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 292.42 Td (Servicing rights capitalized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.00 292.32 Td (............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 292.42 Td (224) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 292.42 Td (1,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 277.42 Td (Servicing rights amortized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 277.32 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.30 277.47 Td (\(136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.65 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 277.47 Td (\(58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 262.42 Td (Servicing rights disposed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.50 262.32 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.30 262.47 Td (\(109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.65 262.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 262.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 247.42 Td (Change in valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.00 247.32 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.30 247.47 Td (\(222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.65 247.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 247.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 232.43 Td (Balance at end of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 232.32 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.00 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 232.42 Td (870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.00 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 232.42 Td (1,1) Tj ET Q q 0 0 0 rg BT 548.65 232.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 210.25 Td (Included ) Tj ET Q q 0 0 0 rg BT 107.91 210.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.62 210.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 152.63 210.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 191.66 210.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.02 210.25 Td (other ) Tj ET Q q 0 0 0 rg BT 232.50 210.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 275.14 210.25 Td (as ) Tj ET Q q 0 0 0 rg BT 286.40 210.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.65 210.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 356.67 210.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.67 210.25 Td ( ) Tj ET Q q 0 0 0 rg BT 379.59 210.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.96 210.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.96 210.25 Td (, ) Tj ET Q q 0 0 0 rg BT 422.39 210.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 470.05 210.25 Td (, ) Tj ET Q q 0 0 0 rg BT 475.47 210.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.61 210.25 Td ($73 ) Tj ET Q q 0 0 0 rg BT 508.54 210.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.64 210.25 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 210.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 198.25 Td ($83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.00 198.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.22 198.25 Td (thousand ) Tj ET Q q 0 0 0 rg BT 105.55 198.25 Td (for ) Tj ET Q q 0 0 0 rg BT 119.43 198.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 138.86 198.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 177.74 198.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 217.17 198.25 Td (related ) Tj ET Q q 0 0 0 rg BT 246.59 198.25 Td (to ) Tj ET Q q 0 0 0 rg BT 256.59 198.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 279.92 198.25 Td (serviced ) Tj ET Q q 0 0 0 rg BT 315.45 198.25 Td (for ) Tj ET Q q 0 0 0 rg BT 329.33 198.25 Td (others ) Tj ET Q q 0 0 0 rg BT 355.99 198.25 Td (for ) Tj ET Q q 0 0 0 rg BT 369.87 198.25 Td (which ) Tj ET Q q 0 0 0 rg BT 396.53 198.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.96 198.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.07 198.25 Td (does ) Tj ET Q q 0 0 0 rg BT 472.62 198.25 Td (not ) Tj ET Q q 0 0 0 rg BT 487.62 198.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 518.70 198.25 Td (a ) Tj ET Q q 0 0 0 rg BT 525.36 198.25 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 186.25 Td (fee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 168.25 Td (As ) Tj ET Q q 0 0 0 rg BT 83.65 168.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.52 168.25 Td (December ) Tj ET Q q 0 0 0 rg BT 138.15 168.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 153.19 168.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 178.23 168.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.99 168.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 234.41 168.25 Td (established ) Tj ET Q q 0 0 0 rg BT 281.39 168.25 Td (a ) Tj ET Q q 0 0 0 rg BT 288.37 168.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 327.56 168.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 349.54 168.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 389.29 168.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 432.37 168.25 Td (in ) Tj ET Q q 0 0 0 rg BT 442.69 168.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.44 168.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 489.98 168.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.85 168.25 Td ($222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.85 168.25 Td ( ) Tj ET Q q 0 0 0 rg BT 523.39 168.25 Td (thousand. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 156.25 Td (Prior ) Tj ET Q q 0 0 0 rg BT 72.50 156.25 Td (to ) Tj ET Q q 0 0 0 rg BT 82.78 156.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 107.78 156.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.50 156.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 163.88 156.25 Td (was ) Tj ET Q q 0 0 0 rg BT 181.93 156.25 Td (not ) Tj ET Q q 0 0 0 rg BT 197.21 156.25 Td (required ) Tj ET Q q 0 0 0 rg BT 233.03 156.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.31 156.25 Td (have ) Tj ET Q q 0 0 0 rg BT 264.68 156.25 Td (a ) Tj ET Q q 0 0 0 rg BT 271.62 156.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 310.78 156.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 332.71 156.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 372.43 156.25 Td (allowance. ) 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 (91) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (8. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 141.08 724.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.08 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 163.58 724.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.52 724.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.52 724.25 Td (, ) Tj ET Q q 0 0 0 rg BT 205.52 724.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 240.80 724.25 Td (consisted ) Tj ET Q q 0 0 0 rg BT 280.52 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 291.35 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.06 724.25 Td (following:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 694.75 m 503.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 694.75 m 507.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 694.75 m 562.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 694.75 m 503.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 681.75 m 503.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 694.75 m 507.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 694.75 m 562.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 681.75 m 562.5 681.75 l s 0.8 0.9333333333333333 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 578.75 m 448.5 578.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 578.75 m 503.5 578.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 578.75 m 562.5 578.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 563.75 m 448.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 563.75 m 503.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 563.75 m 562.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 549.75 m 503.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 547.75 m 503.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 549.75 m 562.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 547.75 m 562.5 547.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 698.98 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 698.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 685.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 685.98 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 672.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 658.42 Td (Noninterest bearing demand deposit accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.50 658.32 Td (...................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 658.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 658.42 Td (173,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 658.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 658.42 Td (172,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 643.42 Td (Interest bearing accounts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 628.42 Td (NOW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.00 628.32 Td (................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 628.42 Td (61,869) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 628.42 Td (58,942) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 613.42 Td (Money market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.00 613.32 Td (..................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 613.42 Td (471,968) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 613.42 Td (451,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 598.42 Td (Savings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.50 598.32 Td (.............................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 598.42 Td (180,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 598.42 Td (83,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 583.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 583.42 Td (ime certificates of deposit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.00 583.32 Td (..............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 583.42 Td (614,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 583.42 Td (631,263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 568.42 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 568.42 Td (otal interest bearing accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.00 568.32 Td (....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.60 568.42 Td (1,329,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 568.42 Td (1,225,767) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 553.43 Td (T) Tj ET Q q 0 0 0 rg BT 76.75 553.43 Td (otal deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.00 553.32 Td (..............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 553.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.60 553.42 Td (1,502,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 553.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 553.42 Td (1,398,405) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 531.25 Td (Maturities ) Tj ET Q q 0 0 0 rg BT 113.60 531.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.43 531.25 Td (time ) Tj ET Q q 0 0 0 rg BT 144.71 531.25 Td (certificates ) Tj ET Q q 0 0 0 rg BT 191.06 531.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.89 531.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 233.28 531.25 Td (as ) Tj ET Q q 0 0 0 rg BT 244.11 531.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.94 531.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 313.53 531.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.53 531.25 Td ( ) Tj ET Q q 0 0 0 rg BT 336.03 531.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.96 531.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.96 531.25 Td ( ) Tj ET Q q 0 0 0 rg BT 375.46 531.25 Td (are ) Tj ET Q q 0 0 0 rg BT 390.17 531.25 Td (summarized ) Tj ET Q q 0 0 0 rg BT 441.54 531.25 Td (below:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 502.75 m 503.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 502.75 m 507.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 502.75 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 448.5 502.75 m 503.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 490.75 m 503.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 502.75 m 507.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 502.75 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 507.5 490.75 m 562.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 394.75 m 503.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 394.75 m 562.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 381.75 m 503.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 379.75 m 503.5 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 381.75 m 562.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 379.75 m 562.5 379.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 506.83 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 506.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 494.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 494.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 482.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 469.32 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 469.32 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 469.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 469.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 469.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 469.32 Td (391,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 455.32 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 455.32 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 455.32 Td (41) Tj ET Q q 0 0 0 rg BT 477.15 455.32 Td (1,818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 455.32 Td (214,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 441.32 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 441.32 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 441.32 Td (171,452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 441.32 Td (24,466) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 427.32 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 427.32 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 427.32 Td (30,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 427.32 Td (373) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 413.32 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 413.32 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 413.32 Td (579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 413.32 Td (532) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 399.32 Td (2023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 399.32 Td (....................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 399.32 Td (258) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 399.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 385.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 385.32 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 385.32 Td (..................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 385.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 385.32 Td (614,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 385.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 385.32 Td (631,263) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 363.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.60 363.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 130.51 363.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 163.56 363.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.94 363.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 218.54 363.25 Td (certificate ) Tj ET Q q 0 0 0 rg BT 261.56 363.25 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 302.10 363.25 Td (including ) Tj ET Q q 0 0 0 rg BT 342.92 363.25 Td (brokered ) Tj ET Q q 0 0 0 rg BT 381.51 363.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 417.34 363.25 Td (with ) Tj ET Q q 0 0 0 rg BT 438.17 363.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 475.65 363.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.03 363.25 Td ($250,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.53 363.25 Td ( ) Tj ET Q q 0 0 0 rg BT 527.58 363.25 Td (or ) Tj ET Q q 0 0 0 rg BT 538.96 363.25 Td (more, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 351.25 Td (were ) Tj ET Q q 0 0 0 rg BT 71.93 351.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.19 351.25 Td ($227.8 ) Tj ET Q q 0 0 0 rg BT 162.19 351.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.08 351.25 Td ( ) Tj ET Q q 0 0 0 rg BT 193.58 351.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.52 351.25 Td ($197.3 ) Tj ET Q q 0 0 0 rg BT 240.52 351.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.41 351.25 Td ( ) Tj ET Q q 0 0 0 rg BT 271.91 351.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.63 351.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 340.21 351.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.21 351.25 Td ( ) Tj ET Q q 0 0 0 rg BT 362.71 351.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.65 351.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 351.25 Td (, ) Tj ET Q q 0 0 0 rg BT 404.65 351.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 452.31 351.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 333.25 Td (Brokered ) Tj ET Q q 0 0 0 rg BT 111.13 333.25 Td (certificate ) Tj ET Q q 0 0 0 rg BT 155.02 333.25 Td (of ) Tj ET Q q 0 0 0 rg BT 167.28 333.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 203.98 333.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.12 333.25 Td ($91.8 ) Tj ET Q q 0 0 0 rg BT 261.55 333.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.44 333.25 Td ( ) Tj ET Q q 0 0 0 rg BT 294.37 333.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.73 333.25 Td ($44.3 ) Tj ET Q q 0 0 0 rg BT 339.16 333.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.05 333.25 Td ( ) Tj ET Q q 0 0 0 rg BT 371.97 333.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.12 333.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 443.13 333.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.13 333.25 Td ( ) Tj ET Q q 0 0 0 rg BT 467.05 333.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.42 333.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.42 333.25 Td (, ) Tj ET Q q 0 0 0 rg BT 511.84 333.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 333.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 321.25 Td (Certificates ) Tj ET Q q 0 0 0 rg BT 97.89 321.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.02 321.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 142.60 321.25 Td (from ) Tj ET Q q 0 0 0 rg BT 163.84 321.25 Td (national ) Tj ET Q q 0 0 0 rg BT 197.85 321.25 Td (listing ) Tj ET Q q 0 0 0 rg BT 224.66 321.25 Td (services ) Tj ET Q q 0 0 0 rg BT 258.67 321.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.68 321.25 Td ($101.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.18 321.25 Td ( ) Tj ET Q q 0 0 0 rg BT 316.98 321.25 Td (million ) Tj ET Q q 0 0 0 rg BT 347.67 321.25 Td (at ) Tj ET Q q 0 0 0 rg BT 356.69 321.25 Td (December ) Tj ET Q q 0 0 0 rg BT 399.57 321.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 413.87 321.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 435.67 321.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.91 321.25 Td ($163.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.41 321.25 Td ( ) Tj ET Q q 0 0 0 rg BT 481.21 321.25 Td (million ) Tj ET Q q 0 0 0 rg BT 511.91 321.25 Td (at ) Tj ET Q q 0 0 0 rg BT 520.92 321.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 309.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 65.00 309.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 291.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 291.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 291.25 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 291.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 201.63 291.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 233.56 291.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 268.27 291.25 Td (by ) Tj ET Q q 0 0 0 rg BT 280.77 291.25 Td (account ) Tj ET Q q 0 0 0 rg BT 314.37 291.25 Td (type ) Tj ET Q q 0 0 0 rg BT 334.08 291.25 Td (for ) Tj ET Q q 0 0 0 rg BT 348.24 291.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 386.56 291.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.93 291.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 471.52 291.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.52 291.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.52 291.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.52 291.25 Td ( ) Tj ET Q q 0 0 0 rg BT 519.02 291.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.96 291.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.96 291.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 261.75 m 444.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 261.75 m 448.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 261.75 m 503.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 261.75 m 507.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 261.75 m 562.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 261.75 m 444.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 248.75 m 444.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 261.75 m 448.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 261.75 m 503.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 248.75 m 503.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 261.75 m 507.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 261.75 m 562.5 261.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 248.75 m 562.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 175.75 m 444.5 175.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 175.75 m 503.5 175.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 175.75 m 562.5 175.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 161.75 m 444.5 161.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 159.75 m 444.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 161.75 m 503.5 161.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 159.75 m 503.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 161.75 m 562.5 161.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 159.75 m 562.5 159.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.55 265.98 Td (Y) Tj ET Q q 0 0 0 rg BT 434.88 265.98 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 509.46 265.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 252.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 252.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 252.98 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 451.15 239.98 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 225.42 Td (NOW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.50 225.32 Td (...........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 225.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 225.42 Td (157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 225.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 225.42 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 225.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 225.42 Td (109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 210.42 Td (Money market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.50 210.32 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 210.42 Td (6,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 210.42 Td (3,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 210.42 Td (1,836) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 195.42 Td (Savings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 195.32 Td (........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 195.42 Td (1,649) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 195.42 Td (763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 195.42 Td (315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 180.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 180.42 Td (ime certificates of deposit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 180.32 Td (.........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 180.42 Td (10,714) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 180.42 Td (8,41) Tj ET Q q 0 0 0 rg BT 494.65 180.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 180.42 Td (6,040) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 165.43 Td (T) Tj ET Q q 0 0 0 rg BT 64.75 165.43 Td (otal inter) Tj ET Q q 0 0 0 rg BT 103.73 165.43 Td (est expense on deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.50 165.32 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 165.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 165.42 Td (18,951) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 165.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 165.42 Td (12,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 165.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 165.42 Td (8,300) Tj ET Q BT /F1 10.00 Tf ET 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 (92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (9. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Federal Home Loan Bank ) Tj ET Q q 0 0 0 rg BT 180.78 742.25 Td (Advances and Other) Tj ET Q q 0 0 0 rg BT 268.39 742.25 Td ( Borr) Tj ET Q q 0 0 0 rg BT 291.25 742.25 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.20 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 129.73 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 139.05 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 146.14 724.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 186.01 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.99 724.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 225.20 724.25 Td (advances ) Tj ET Q q 0 0 0 rg BT 264.50 724.25 Td (with ) Tj ET Q q 0 0 0 rg BT 284.93 724.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 321.46 724.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 344.66 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.75 724.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 401.05 724.25 Td (average ) Tj ET Q q 0 0 0 rg BT 434.79 724.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 456.31 724.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.18 724.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 524.92 724.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.92 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 724.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 682.75 m 340.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 682.75 m 344.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 682.75 m 414.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 682.75 m 418.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 682.75 m 488.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 682.75 m 492.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 682.75 m 562.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 669.75 m 340.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 669.75 m 344.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 669.75 m 414.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 682.75 m 488.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 669.75 m 488.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 669.75 m 492.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 669.75 m 562.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 640.75 m 340.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 669.75 m 414.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 640.75 m 414.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 640.75 m 488.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 669.75 m 562.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 640.75 m 562.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 567.75 m 340.5 567.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 567.75 m 414.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 567.75 m 488.5 567.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 567.75 m 562.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 553.75 m 340.5 553.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 551.75 m 340.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 553.75 m 488.5 553.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 551.75 m 488.5 551.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 392.75 686.98 Td (December) Tj ET Q q 0 0 0 rg BT 427.32 686.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 673.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.00 673.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.95 652.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.10 644.98 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.75 660.98 Td (W) Tj ET Q q 0 0 0 rg BT 370.31 660.98 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.05 652.98 Td (A) Tj ET Q q 0 0 0 rg BT 370.23 652.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 371.00 644.98 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.95 652.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.10 644.98 Td (Due) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 510.75 660.98 Td (W) Tj ET Q q 0 0 0 rg BT 518.31 660.98 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 513.05 652.98 Td (A) Tj ET Q q 0 0 0 rg BT 518.23 652.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.00 644.98 Td (Rate) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 378.85 631.98 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 617.42 Td (Y) Tj ET Q q 0 0 0 rg BT 59.72 617.42 Td (ear of Maturity:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 602.42 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.50 602.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.00 602.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 602.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.65 602.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 602.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.00 602.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 602.42 Td (174,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 602.42 Td (1.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 602.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 587.42 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.50 587.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 587.42 Td (135,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 587.42 Td (2.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 587.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 587.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 572.42 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.50 572.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 572.42 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 572.42 Td (1.99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 572.42 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 572.42 Td (1.99) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 557.43 Td (T) Tj ET Q q 0 0 0 rg BT 64.75 557.43 Td (otal advances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.50 557.32 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.00 557.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 557.42 Td (160,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 557.42 Td (2.46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 557.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.00 557.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 557.42 Td (199,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 557.42 Td (1.51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 557.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 535.25 Td ($125 ) Tj ET Q q 0 0 0 rg BT 92.11 535.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.00 535.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.11 535.25 Td (of ) Tj ET Q q 0 0 0 rg BT 133.55 535.25 Td (the ) Tj ET Q q 0 0 0 rg BT 147.88 535.25 Td (above ) Tj ET Q q 0 0 0 rg BT 173.87 535.25 Td (mentioned ) Tj ET Q q 0 0 0 rg BT 218.19 535.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 245.86 535.25 Td (advances ) Tj ET Q q 0 0 0 rg BT 284.62 535.25 Td (as ) Tj ET Q q 0 0 0 rg BT 295.06 535.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.50 535.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 363.70 535.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.70 535.25 Td ( ) Tj ET Q q 0 0 0 rg BT 385.81 535.25 Td (are ) Tj ET Q q 0 0 0 rg BT 400.13 535.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 430.56 535.25 Td (to ) Tj ET Q q 0 0 0 rg BT 440.45 535.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 472.00 535.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 489.09 535.25 Td (swap ) Tj ET Q q 0 0 0 rg BT 511.75 535.25 Td (transactions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (see ) Tj ET Q q 0 0 0 rg BT 65.27 523.25 Td (note ) Tj ET Q q 0 0 0 rg BT 84.99 523.25 Td (17.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 505.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 102.91 505.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 138.05 505.25 Td (on ) Tj ET Q q 0 0 0 rg BT 150.97 505.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 179.46 505.25 Td (advances ) Tj ET Q q 0 0 0 rg BT 219.04 505.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.17 505.25 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 269.60 505.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.49 505.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.92 505.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 324.35 505.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.24 505.25 Td ( ) Tj ET Q q 0 0 0 rg BT 356.17 505.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.53 505.25 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 393.96 505.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.85 505.25 Td ( ) Tj ET Q q 0 0 0 rg BT 425.78 505.25 Td (for ) Tj ET Q q 0 0 0 rg BT 440.37 505.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 479.11 505.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.91 505.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 493.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 493.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 493.25 Td ( ) Tj ET Q q 0 0 0 rg BT 97.50 493.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.44 493.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.44 493.25 Td (, ) Tj ET Q q 0 0 0 rg BT 139.44 493.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 187.10 493.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 475.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.32 475.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 112.21 475.25 Td (has ) Tj ET Q q 0 0 0 rg BT 128.31 475.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 171.08 475.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 215.52 475.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 251.60 475.25 Td (at ) Tj ET Q q 0 0 0 rg BT 261.59 475.25 Td (the ) Tj ET Q q 0 0 0 rg BT 276.59 475.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 304.92 475.25 Td (up ) Tj ET Q q 0 0 0 rg BT 317.70 475.25 Td (to ) Tj ET Q q 0 0 0 rg BT 328.25 475.25 Td (a ) Tj ET Q q 0 0 0 rg BT 335.47 475.25 Td (certainpercentage ) Tj ET Q q 0 0 0 rg BT 411.25 475.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.35 475.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.35 475.25 Td (value ) Tj ET Q q 0 0 0 rg BT 461.78 475.25 Td (of ) Tj ET Q q 0 0 0 rg BT 472.88 475.25 Td (qualified ) Tj ET Q q 0 0 0 rg BT 511.20 475.25 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 553.67 475.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 97.63 463.25 Td (with ) Tj ET Q q 0 0 0 rg BT 118.08 463.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 166.28 463.25 Td (with ) Tj ET Q q 0 0 0 rg BT 186.72 463.25 Td (the ) Tj ET Q q 0 0 0 rg BT 201.61 463.25 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 232.34 463.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.22 463.25 Td (qualified ) Tj ET Q q 0 0 0 rg BT 285.43 463.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 325.30 463.25 Td (must ) Tj ET Q q 0 0 0 rg BT 347.42 463.25 Td (be ) Tj ET Q q 0 0 0 rg BT 359.52 463.25 Td (free ) Tj ET Q q 0 0 0 rg BT 377.73 463.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.84 463.25 Td (clear ) Tj ET Q q 0 0 0 rg BT 416.93 463.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.93 463.25 Td (liens, ) Tj ET Q q 0 0 0 rg BT 451.98 463.25 Td (pledges ) Tj ET Q q 0 0 0 rg BT 485.20 463.25 Td (and ) Tj ET Q q 0 0 0 rg BT 502.30 463.25 Td (encumbrances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.33 451.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 122.74 451.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.74 451.25 Td (, ) Tj ET Q q 0 0 0 rg BT 148.57 451.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.11 451.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 206.33 451.25 Td (had ) Tj ET Q q 0 0 0 rg BT 224.09 451.25 Td (pledged ) Tj ET Q q 0 0 0 rg BT 259.07 451.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 292.39 451.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 316.83 451.25 Td (with ) Tj ET Q q 0 0 0 rg BT 337.93 451.25 Td (a ) Tj ET Q q 0 0 0 rg BT 345.70 451.25 Td (book ) Tj ET Q q 0 0 0 rg BT 369.03 451.25 Td (value ) Tj ET Q q 0 0 0 rg BT 394.01 451.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.67 451.25 Td ($939.8 ) Tj ET Q q 0 0 0 rg BT 436.50 451.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.39 451.25 Td ( ) Tj ET Q q 0 0 0 rg BT 468.72 451.25 Td (as ) Tj ET Q q 0 0 0 rg BT 480.37 451.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 520.90 451.25 Td (to ) Tj ET Q q 0 0 0 rg BT 532.00 451.25 Td (support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 95.01 439.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 131.68 439.25 Td (at ) Tj ET Q q 0 0 0 rg BT 142.25 439.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.82 439.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 186.73 439.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.42 439.25 Td (Boston. ) Tj ET Q q 0 0 0 rg BT 231.87 439.25 Td (As ) Tj ET Q q 0 0 0 rg BT 246.34 439.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.02 439.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 317.46 439.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.46 439.25 Td ( ) Tj ET Q q 0 0 0 rg BT 340.81 439.25 Td (the ) Tj ET Q q 0 0 0 rg BT 356.38 439.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 398.62 439.25 Td (has ) Tj ET Q q 0 0 0 rg BT 415.31 439.25 Td (immediate ) Tj ET Q q 0 0 0 rg BT 460.87 439.25 Td (availability ) Tj ET Q q 0 0 0 rg BT 509.21 439.25 Td (to ) Tj ET Q q 0 0 0 rg BT 520.34 439.25 Td (borrow ) Tj ET Q q 0 0 0 rg BT 552.57 439.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.49 427.25 Td ($385.1 ) Tj ET Q q 0 0 0 rg BT 122.49 427.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.38 427.25 Td ( ) Tj ET Q q 0 0 0 rg BT 153.88 427.25 Td (based ) Tj ET Q q 0 0 0 rg BT 179.15 427.25 Td (on ) Tj ET Q q 0 0 0 rg BT 191.65 427.25 Td (qualified ) Tj ET Q q 0 0 0 rg BT 229.69 427.25 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 409.25 Td (At ) Tj ET Q q 0 0 0 rg BT 83.20 409.25 Td (December ) Tj ET Q q 0 0 0 rg BT 127.49 409.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 143.20 409.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 168.90 409.25 Td (the ) Tj ET Q q 0 0 0 rg BT 184.32 409.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 208.64 409.25 Td (had ) Tj ET Q q 0 0 0 rg BT 226.28 409.25 Td (a ) Tj ET Q q 0 0 0 rg BT 233.92 409.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 267.66 409.25 Td (line ) Tj ET Q q 0 0 0 rg BT 285.86 409.25 Td (of ) Tj ET Q q 0 0 0 rg BT 297.40 409.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 323.37 409.25 Td (with ) Tj ET Q q 0 0 0 rg BT 344.35 409.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.77 409.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 388.54 409.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.18 409.25 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 449.92 409.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 472.01 409.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.55 409.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 509.52 409.25 Td (with ) Tj ET Q q 0 0 0 rg BT 529.79 409.25 Td (Atlantic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 100.06 397.25 Td (Bankers ) Tj ET Q q 0 0 0 rg BT 135.10 397.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 160.98 397.25 Td (Zions ) Tj ET Q q 0 0 0 rg BT 186.03 397.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 209.41 397.25 Td (and ) Tj ET Q q 0 0 0 rg BT 225.95 397.25 Td (T) Tj ET Q q 0 0 0 rg BT 231.36 397.25 Td (exas ) Tj ET Q q 0 0 0 rg BT 251.40 397.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 282.56 397.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 308.27 397.25 Td (The ) Tj ET Q q 0 0 0 rg BT 326.09 397.25 Td (total ) Tj ET Q q 0 0 0 rg BT 346.14 397.25 Td (line ) Tj ET Q q 0 0 0 rg BT 363.40 397.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.01 397.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 399.04 397.25 Td (and ) Tj ET Q q 0 0 0 rg BT 415.75 397.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.24 397.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 462.51 397.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 511.45 397.25 Td (at ) Tj ET Q q 0 0 0 rg BT 520.93 397.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 65.00 385.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 87.50 385.25 Td (is ) Tj ET Q q 0 0 0 rg BT 96.67 385.25 Td (summarized ) Tj ET Q q 0 0 0 rg BT 148.04 385.25 Td (below:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 355.75 m 457.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 355.75 m 461.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 355.75 m 561.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 342.75 m 457.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 342.75 m 561.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 267.75 m 457.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 253.75 m 457.5 253.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 251.75 m 457.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 267.75 m 561.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 253.75 m 561.5 253.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 251.75 m 561.5 251.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 426.75 360.43 Td (December) Tj ET Q q 0 0 0 rg BT 461.32 360.43 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.10 347.43 Td (T) Tj ET Q q 0 0 0 rg BT 378.07 347.43 Td (otal Line of Cr) Tj ET Q q 0 0 0 rg BT 428.07 347.43 Td (edit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.90 347.43 Td (T) Tj ET Q q 0 0 0 rg BT 484.50 347.43 Td (otal Outstanding) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 433.30 331.98 Td (\(In Thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 317.42 Td (FHLB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.00 317.32 Td (..............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 317.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 317.42 Td (450) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.00 317.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 317.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 302.42 Td (Atlantic Community Bankers Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.00 302.32 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 302.42 Td (7,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 302.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 287.42 Td (Zions Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.00 287.32 Td (......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.15 287.42 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 287.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 272.42 Td (T) Tj ET Q q 0 0 0 rg BT 57.41 272.42 Td (exas Capital Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.50 272.32 Td (.........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 272.42 Td (5,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 272.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.00 257.43 Td (T) Tj ET Q q 0 0 0 rg BT 63.75 257.43 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.50 257.32 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 257.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.15 257.42 Td (37,950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.00 257.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 257.42 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.25 Td (Federal Home Loan Bank Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 217.25 Td (As ) Tj ET Q q 0 0 0 rg BT 82.98 217.25 Td (a ) Tj ET Q q 0 0 0 rg BT 89.29 217.25 Td (member ) Tj ET Q q 0 0 0 rg BT 123.92 217.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.11 217.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.20 217.25 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 178.12 217.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.21 217.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 215.18 217.25 Td (is ) Tj ET Q q 0 0 0 rg BT 223.72 217.25 Td (required ) Tj ET Q q 0 0 0 rg BT 258.90 217.25 Td (to ) Tj ET Q q 0 0 0 rg BT 268.55 217.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 305.40 217.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 355.04 217.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.69 217.25 Td (their ) Tj ET Q q 0 0 0 rg BT 384.88 217.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 413.40 217.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 438.74 217.25 Td (The ) Tj ET Q q 0 0 0 rg BT 456.15 217.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 479.13 217.25 Td (owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.65 217.25 Td (81,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 217.25 Td ( ) Tj ET Q q 0 0 0 rg BT 537.02 217.25 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.99 205.25 Td (91,827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.49 205.25 Td ( ) Tj ET Q q 0 0 0 rg BT 97.05 205.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 124.59 205.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.36 205.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 193.00 205.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.00 205.25 Td ( ) Tj ET Q q 0 0 0 rg BT 215.55 205.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.54 205.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.54 205.25 Td (, ) Tj ET Q q 0 0 0 rg BT 257.60 205.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 305.26 205.25 Td (. ) Tj ET Q q 0 0 0 rg BT 310.13 205.25 Td (There ) Tj ET Q q 0 0 0 rg BT 336.00 205.25 Td (is ) Tj ET Q q 0 0 0 rg BT 345.22 205.25 Td (no ) Tj ET Q q 0 0 0 rg BT 357.77 205.25 Td (ready ) Tj ET Q q 0 0 0 rg BT 382.54 205.25 Td (market ) Tj ET Q q 0 0 0 rg BT 412.85 205.25 Td (or ) Tj ET Q q 0 0 0 rg BT 423.74 205.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 453.51 205.25 Td (market ) Tj ET Q q 0 0 0 rg BT 483.82 205.25 Td (values ) Tj ET Q q 0 0 0 rg BT 511.92 205.25 Td (for ) Tj ET Q q 0 0 0 rg BT 526.14 205.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.91 205.25 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.56 193.25 Td (as ) Tj ET Q q 0 0 0 rg BT 77.01 193.25 Td (such ) Tj ET Q q 0 0 0 rg BT 97.46 193.25 Td (is ) Tj ET Q q 0 0 0 rg BT 106.25 193.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 146.13 193.25 Td (as ) Tj ET Q q 0 0 0 rg BT 156.58 193.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 195.90 193.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 221.47 193.25 Td (The ) Tj ET Q q 0 0 0 rg BT 239.14 193.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 266.25 193.25 Td (have ) Tj ET Q q 0 0 0 rg BT 287.24 193.25 Td (a ) Tj ET Q q 0 0 0 rg BT 293.80 193.25 Td (par ) Tj ET Q q 0 0 0 rg BT 308.69 193.25 Td (value ) Tj ET Q q 0 0 0 rg BT 332.46 193.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.91 193.25 Td ($100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.91 193.25 Td ( ) Tj ET Q q 0 0 0 rg BT 365.03 193.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.59 193.25 Td (are ) Tj ET Q q 0 0 0 rg BT 395.92 193.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 425.79 193.25 Td (on ) Tj ET Q q 0 0 0 rg BT 437.91 193.25 Td (the ) Tj ET Q q 0 0 0 rg BT 452.24 193.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 504.91 193.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 537.56 193.25 Td (sheets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.25 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 181.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 80.83 181.25 Td (and ) Tj ET Q q 0 0 0 rg BT 97.76 181.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 138.57 181.25 Td (for ) Tj ET Q q 0 0 0 rg BT 152.73 181.25 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 203.83 181.25 Td (as ) Tj ET Q q 0 0 0 rg BT 214.66 181.25 Td (the ) Tj ET Q q 0 0 0 rg BT 229.38 181.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 252.99 181.25 Td (is ) Tj ET Q q 0 0 0 rg BT 262.16 181.25 Td (only ) Tj ET Q q 0 0 0 rg BT 282.44 181.25 Td (redeemable ) Tj ET Q q 0 0 0 rg BT 331.02 181.25 Td (at ) Tj ET Q q 0 0 0 rg BT 340.73 181.25 Td (par ) Tj ET Q q 0 0 0 rg BT 356.00 181.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 386.83 181.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.10 181.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.82 181.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 459.86 181.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 497.90 181.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.73 181.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.44 181.25 Td (FHLB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 163.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.40 163.25 Td (determination ) Tj ET Q q 0 0 0 rg BT 144.79 163.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.98 163.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 189.04 163.25 Td (the ) Tj ET Q q 0 0 0 rg BT 203.12 163.25 Td (par ) Tj ET Q q 0 0 0 rg BT 217.74 163.25 Td (value ) Tj ET Q q 0 0 0 rg BT 241.25 163.25 Td (will ) Tj ET Q q 0 0 0 rg BT 258.66 163.25 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 301.06 163.25 Td (be ) Tj ET Q q 0 0 0 rg BT 312.36 163.25 Td (recovered ) Tj ET Q q 0 0 0 rg BT 353.63 163.25 Td (is ) Tj ET Q q 0 0 0 rg BT 362.15 163.25 Td (influenced ) Tj ET Q q 0 0 0 rg BT 406.21 163.25 Td (by ) Tj ET Q q 0 0 0 rg BT 418.07 163.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 448.23 163.25 Td (such ) Tj ET Q q 0 0 0 rg BT 468.42 163.25 Td (as ) Tj ET Q q 0 0 0 rg BT 478.60 163.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.68 163.25 Td (following: ) Tj ET Q q 0 0 0 rg BT 536.20 163.25 Td (\(a\)the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (significance ) Tj ET Q q 0 0 0 rg BT 100.91 151.25 Td (of ) Tj ET Q q 0 0 0 rg BT 111.84 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.65 151.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 158.13 151.25 Td (in ) Tj ET Q q 0 0 0 rg BT 168.50 151.25 Td (net ) Tj ET Q q 0 0 0 rg BT 183.32 151.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 209.25 151.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.18 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.99 151.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 267.58 151.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 294.62 151.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 317.76 151.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 341.47 151.25 Td (as ) Tj ET Q q 0 0 0 rg BT 352.40 151.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 394.42 151.25 Td (to ) Tj ET Q q 0 0 0 rg BT 404.80 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 419.61 151.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 448.86 151.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 472.57 151.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 505.17 151.25 Td (and ) Tj ET Q q 0 0 0 rg BT 522.20 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 537.02 151.25 Td (length ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.73 139.25 Td (time ) Tj ET Q q 0 0 0 rg BT 82.91 139.25 Td (this ) Tj ET Q q 0 0 0 rg BT 100.75 139.25 Td (situation ) Tj ET Q q 0 0 0 rg BT 138.60 139.25 Td (has ) Tj ET Q q 0 0 0 rg BT 155.33 139.25 Td (persisted; ) Tj ET Q q 0 0 0 rg BT 197.06 139.25 Td (\(b\)commitments ) Tj ET Q q 0 0 0 rg BT 269.06 139.25 Td (by ) Tj ET Q q 0 0 0 rg BT 282.46 139.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.07 139.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 331.46 139.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 359.30 139.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 383.25 139.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 407.76 139.25 Td (to ) Tj ET Q q 0 0 0 rg BT 418.94 139.25 Td (make ) Tj ET Q q 0 0 0 rg BT 443.99 139.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 485.72 139.25 Td (required ) Tj ET Q q 0 0 0 rg BT 522.43 139.25 Td (by ) Tj ET Q q 0 0 0 rg BT 535.83 139.25 Td (law ) Tj ET Q q 0 0 0 rg BT 553.67 139.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 93.49 127.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.87 127.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.03 127.25 Td (level ) Tj ET Q q 0 0 0 rg BT 148.41 127.25 Td (of ) Tj ET Q q 0 0 0 rg BT 159.69 127.25 Td (such ) Tj ET Q q 0 0 0 rg BT 180.97 127.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 222.24 127.25 Td (in ) Tj ET Q q 0 0 0 rg BT 232.96 127.25 Td (relation ) Tj ET Q q 0 0 0 rg BT 266.45 127.25 Td (to ) Tj ET Q q 0 0 0 rg BT 277.17 127.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.34 127.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 333.04 127.25 Td (performance; ) Tj ET Q q 0 0 0 rg BT 389.29 127.25 Td (\(c\)the ) Tj ET Q q 0 0 0 rg BT 418.05 127.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 448.21 127.25 Td (of ) Tj ET Q q 0 0 0 rg BT 459.49 127.25 Td (legislative ) Tj ET Q q 0 0 0 rg BT 503.53 127.25 Td (and ) Tj ET Q q 0 0 0 rg BT 520.92 127.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.71 115.25 Td (on ) Tj ET Q q 0 0 0 rg BT 97.21 115.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.92 115.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 151.08 115.25 Td (base ) Tj ET Q q 0 0 0 rg BT 171.35 115.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.18 115.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.89 115.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 229.38 115.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 256.32 115.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 279.37 115.25 Td (Bank; ) Tj ET Q q 0 0 0 rg BT 305.75 115.25 Td (and ) Tj ET Q q 0 0 0 rg BT 322.69 115.25 Td (\(d\)the ) Tj ET Q q 0 0 0 rg BT 351.57 115.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 387.96 115.25 Td (position ) Tj ET Q q 0 0 0 rg BT 422.69 115.25 Td (of ) Tj ET Q q 0 0 0 rg BT 433.52 115.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.23 115.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 480.72 115.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 507.66 115.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 530.70 115.25 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 97.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.70 97.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 165.51 97.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.23 97.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 203.84 97.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.78 97.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 264.37 97.25 Td (that ) Tj ET Q q 0 0 0 rg BT 281.87 97.25 Td (the ) Tj ET Q q 0 0 0 rg BT 296.58 97.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 320.19 97.25 Td (was ) Tj ET Q q 0 0 0 rg BT 338.24 97.25 Td (not ) Tj ET Q q 0 0 0 rg BT 353.52 97.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 391.56 97.25 Td (as ) Tj ET Q q 0 0 0 rg BT 402.39 97.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.22 97.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 471.81 97.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.81 97.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.31 97.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.14 97.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.14 97.25 Td (.) 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 (93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (10. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Subordinated Debentur) Tj ET Q q 0 0 0 rg BT 169.23 742.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (On ) Tj ET Q q 0 0 0 rg BT 84.40 724.25 Td (August19, ) Tj ET Q q 0 0 0 rg BT 131.08 724.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 156.38 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 171.39 724.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.07 724.25 Td (completed ) Tj ET Q q 0 0 0 rg BT 257.51 724.25 Td (a ) Tj ET Q q 0 0 0 rg BT 264.74 724.25 Td (private ) Tj ET Q q 0 0 0 rg BT 295.30 724.25 Td (placement ) Tj ET Q q 0 0 0 rg BT 339.18 724.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.30 724.25 Td ($25.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.80 724.25 Td (million ) Tj ET Q q 0 0 0 rg BT 406.99 724.25 Td (in ) Tj ET Q q 0 0 0 rg BT 417.56 724.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 459.21 724.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 497.55 724.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 530.34 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 724.25 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.02 712.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 122.71 712.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 146.85 712.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 165.43 712.25 Td (Notes\) ) Tj ET Q q 0 0 0 rg BT 204.00 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 214.81 712.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 245.05 712.25 Td (institutional ) Tj ET Q q 0 0 0 rg BT 295.86 712.25 Td (investors. ) Tj ET Q q 0 0 0 rg BT 337.28 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 355.86 712.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 382.23 712.25 Td (are ) Tj ET Q q 0 0 0 rg BT 397.47 712.25 Td (non-callable ) Tj ET Q q 0 0 0 rg BT 449.92 712.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.62 712.25 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.16 712.25 Td (years, ) Tj ET Q q 0 0 0 rg BT 509.29 712.25 Td (have ) Tj ET Q q 0 0 0 rg BT 531.21 712.25 Td (a ) Tj ET Q q 0 0 0 rg BT 538.68 712.25 Td (stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 86.49 700.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.85 700.25 Td (August15, ) Tj ET Q q 0 0 0 rg BT 143.35 700.25 Td (2025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.35 700.25 Td (, ) Tj ET Q q 0 0 0 rg BT 168.46 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.50 700.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 205.32 700.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.36 700.25 Td (at ) Tj ET Q q 0 0 0 rg BT 247.18 700.25 Td (a ) Tj ET Q q 0 0 0 rg BT 254.23 700.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 292.93 700.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 309.98 700.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 333.13 700.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 350.72 700.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.66 700.25 Td (5.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.49 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 390.10 700.25 Td (per ) Tj ET Q q 0 0 0 rg BT 405.47 700.25 Td (annum ) Tj ET Q q 0 0 0 rg BT 435.30 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 445.68 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.51 700.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 497.00 700.25 Td (date ) Tj ET Q q 0 0 0 rg BT 516.26 700.25 Td (or ) Tj ET Q q 0 0 0 rg BT 527.20 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 700.25 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 98.04 688.25 Td (date, ) Tj ET Q q 0 0 0 rg BT 119.15 688.25 Td (August ) Tj ET Q q 0 0 0 rg BT 150.54 688.25 Td (2020 ) Tj ET Q q 0 0 0 rg BT 173.04 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.98 688.25 Td (annually ) Tj ET Q q 0 0 0 rg BT 226.91 688.25 Td (thereafter) Tj ET Q q 0 0 0 rg BT 264.66 688.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.41 670.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 114.61 670.25 Td (have ) Tj ET Q q 0 0 0 rg BT 136.36 670.25 Td (been ) Tj ET Q q 0 0 0 rg BT 158.10 670.25 Td (structured ) Tj ET Q q 0 0 0 rg BT 200.95 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 211.60 670.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 242.79 670.25 Td (for ) Tj ET Q q 0 0 0 rg BT 257.32 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 272.41 670.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 314.16 670.25 Td (as ) Tj ET Q q 0 0 0 rg BT 325.15 670.25 Td (T) Tj ET Q q 0 0 0 rg BT 330.91 670.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 344.32 670.25 Td (2 ) Tj ET Q q 0 0 0 rg BT 352.19 670.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 381.71 670.25 Td (under ) Tj ET Q q 0 0 0 rg BT 407.34 670.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 451.31 670.25 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 497.57 670.25 Td (W) Tj ET Q q 0 0 0 rg BT 506.21 670.25 Td (e ) Tj ET Q q 0 0 0 rg BT 513.51 670.25 Td (used ) Tj ET Q q 0 0 0 rg BT 534.71 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 549.79 670.25 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 88.20 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 102.53 658.25 Td (general ) Tj ET Q q 0 0 0 rg BT 134.62 658.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 175.04 658.25 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 215.76 658.25 Td (which ) Tj ET Q q 0 0 0 rg BT 242.87 658.25 Td (included ) Tj ET Q q 0 0 0 rg BT 279.97 658.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 330.41 658.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 366.97 658.25 Td (at ) Tj ET Q q 0 0 0 rg BT 376.85 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.73 658.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 424.96 658.25 Td (company) Tj ET Q q 0 0 0 rg BT 460.96 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 466.13 658.25 Td (providing ) Tj ET Q q 0 0 0 rg BT 507.69 658.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 535.35 658.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.01 646.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 98.62 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 108.91 646.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 129.74 646.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 162.78 646.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 185.84 646.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 216.67 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.62 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 249.45 646.25 Td (working ) Tj ET Q q 0 0 0 rg BT 285.29 646.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.45 646.25 Td (needs. ) Tj ET Q q 0 0 0 rg BT 342.04 646.25 Td (The ) Tj ET Q q 0 0 0 rg BT 360.09 646.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 385.93 646.25 Td (were ) Tj ET Q q 0 0 0 rg BT 407.86 646.25 Td (assigned ) Tj ET Q q 0 0 0 rg BT 444.81 646.25 Td (an ) Tj ET Q q 0 0 0 rg BT 456.75 646.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 503.14 646.25 Td (grade ) Tj ET Q q 0 0 0 rg BT 527.86 646.25 Td (rating ) 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 (BBB ) Tj ET Q q 0 0 0 rg BT 72.51 634.25 Td (by ) Tj ET Q q 0 0 0 rg BT 85.01 634.25 Td (Kroll ) Tj ET Q q 0 0 0 rg BT 108.62 634.25 Td (Bond ) Tj ET Q q 0 0 0 rg BT 132.79 634.25 Td (Rating ) Tj ET Q q 0 0 0 rg BT 161.40 634.25 Td (Agency) Tj ET Q q 0 0 0 rg BT 191.85 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 196.85 634.25 Td (which ) Tj ET Q q 0 0 0 rg BT 223.79 634.25 Td (was ) Tj ET Q q 0 0 0 rg BT 241.84 634.25 Td (reaf) Tj ET Q q 0 0 0 rg BT 257.20 634.25 Td (firmed ) Tj ET Q q 0 0 0 rg BT 286.35 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 296.63 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 311.35 634.25 Td (third ) Tj ET Q q 0 0 0 rg BT 332.73 634.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 363.55 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.38 634.25 Td (2018.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (1) Tj ET Q q 0 0 0 rg BT 54.45 616.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 68.00 616.25 Td (Commitments and Contingencies) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (Leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 580.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.41 580.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 128.15 580.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 153.89 580.25 Td (all ) Tj ET Q q 0 0 0 rg BT 165.75 580.25 Td (but ) Tj ET Q q 0 0 0 rg BT 180.39 580.25 Td (three ) Tj ET Q q 0 0 0 rg BT 202.23 580.25 Td (locations, ) Tj ET Q q 0 0 0 rg BT 242.70 580.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 261.23 580.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 290.29 580.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 334.36 580.25 Td (under ) Tj ET Q q 0 0 0 rg BT 358.99 580.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 398.61 580.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 420.46 580.25 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 470.35 580.25 Td (which ) Tj ET Q q 0 0 0 rg BT 496.65 580.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 523.50 580.25 Td (at ) Tj ET Q q 0 0 0 rg BT 532.57 580.25 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 74.46 568.25 Td (through ) Tj ET Q q 0 0 0 rg BT 109.49 568.25 Td (2029. ) Tj ET Q q 0 0 0 rg BT 135.90 568.25 Td (In ) Tj ET Q q 0 0 0 rg BT 148.15 568.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 184.84 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 196.54 568.25 Td (rental ) Tj ET Q q 0 0 0 rg BT 223.22 568.25 Td (payments, ) Tj ET Q q 0 0 0 rg BT 267.96 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 284.09 568.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 311.88 568.25 Td (require ) Tj ET Q q 0 0 0 rg BT 344.12 568.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 382.47 568.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.71 568.25 Td (property ) Tj ET Q q 0 0 0 rg BT 432.51 568.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 456.97 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.33 568.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 506.44 568.25 Td (common ) Tj ET Q q 0 0 0 rg BT 545.36 568.25 Td (area ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 103.03 556.25 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 538.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.35 538.25 Td (future ) Tj ET Q q 0 0 0 rg BT 118.17 538.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 140.10 538.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 186.49 538.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.65 538.25 Td ($23.7 ) Tj ET Q q 0 0 0 rg BT 240.10 538.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.99 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 270.94 538.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.32 538.25 Td ($21.7 ) Tj ET Q q 0 0 0 rg BT 311.77 538.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.66 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 342.60 538.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.77 538.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 409.79 538.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.79 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 431.74 538.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.13 538.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.13 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 472.57 538.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 520.23 538.25 Td (. ) Tj ET Q q 0 0 0 rg BT 524.54 538.25 Td (The ) Tj ET Q q 0 0 0 rg BT 542.03 538.25 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 97.43 526.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.63 526.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 166.69 526.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.69 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 189.67 526.25 Td (include ) Tj ET Q q 0 0 0 rg BT 222.09 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 229.51 526.25 Td (land ) Tj ET Q q 0 0 0 rg BT 249.71 526.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 272.68 526.25 Td (with ) Tj ET Q q 0 0 0 rg BT 293.44 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 300.86 526.25 Td (municipality ) Tj ET Q q 0 0 0 rg BT 354.39 526.25 Td (related ) Tj ET Q q 0 0 0 rg BT 384.57 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 395.33 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 402.75 526.25 Td (building ) Tj ET Q q 0 0 0 rg BT 439.07 526.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 482.59 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 493.35 526.25 Td (December) Tj ET Q q 0 0 0 rg BT 534.04 526.25 Td (, ) Tj ET Q q 0 0 0 rg BT 539.52 526.25 Td (2016. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.73 514.25 Td (land ) Tj ET Q q 0 0 0 rg BT 91.13 514.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 115.30 514.25 Td (has ) Tj ET Q q 0 0 0 rg BT 132.81 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 141.43 514.25 Td (98 ) Tj ET Q q 0 0 0 rg BT 155.62 514.25 Td (year ) Tj ET Q q 0 0 0 rg BT 177.01 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 195.63 514.25 Td (1) Tj ET Q q 0 0 0 rg BT 200.26 514.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 209.44 514.25 Td (month ) Tj ET Q q 0 0 0 rg BT 239.18 514.25 Td (term ) Tj ET Q q 0 0 0 rg BT 261.69 514.25 Td (which ) Tj ET Q q 0 0 0 rg BT 290.31 514.25 Td (commenced ) Tj ET Q q 0 0 0 rg BT 342.80 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 356.99 514.25 Td (September1, ) Tj ET Q q 0 0 0 rg BT 413.93 514.25 Td (2001. ) Tj ET Q q 0 0 0 rg BT 440.31 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 460.04 514.25 Td (current ) Tj ET Q q 0 0 0 rg BT 492.54 514.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 516.71 514.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 555.33 514.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.09 502.25 Td ($173 ) Tj ET Q q 0 0 0 rg BT 134.42 502.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.53 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 173.85 502.25 Td (per ) Tj ET Q q 0 0 0 rg BT 189.95 502.25 Td (year ) Tj ET Q q 0 0 0 rg BT 210.49 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.26 502.25 Td (may ) Tj ET Q q 0 0 0 rg BT 248.80 502.25 Td (be ) Tj ET Q q 0 0 0 rg BT 261.57 502.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 298.22 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 309.33 502.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 326.54 502.25 Td (market ) Tj ET Q q 0 0 0 rg BT 357.63 502.25 Td (value ) Tj ET Q q 0 0 0 rg BT 382.61 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.72 502.25 Td (subsequentyears. ) Tj ET Q q 0 0 0 rg BT 467.59 502.25 Td (Future ) Tj ET Q q 0 0 0 rg BT 497.03 502.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 539.25 502.25 Td (rental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 106.94 490.25 Td (under ) Tj ET Q q 0 0 0 rg BT 132.21 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 146.92 490.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 171.64 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.47 490.25 Td (these ) Tj ET Q q 0 0 0 rg BT 205.52 490.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 231.89 490.25 Td (for ) Tj ET Q q 0 0 0 rg BT 246.05 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.77 490.25 Td (year ) Tj ET Q q 0 0 0 rg BT 280.48 490.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.86 490.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 365.44 490.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.44 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 387.94 490.25 Td (was ) Tj ET Q q 0 0 0 rg BT 405.99 490.25 Td (as ) Tj ET Q q 0 0 0 rg BT 416.82 490.25 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 461.75 m 562.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 351.75 m 562.5 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 338.75 m 562.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 336.75 m 562.5 336.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 516.50 465.83 Td (2018) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 500.15 453.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 440.32 Td (Period Ending December31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 426.32 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 426.32 Td (....................................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 426.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 426.32 Td (1,972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 412.32 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 412.32 Td (....................................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 412.32 Td (1,842) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 398.32 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 398.32 Td (....................................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 398.32 Td (1,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 384.32 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 384.32 Td (....................................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 384.32 Td (1,1) Tj ET Q q 0 0 0 rg BT 548.65 384.32 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 370.32 Td (2023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 370.32 Td (....................................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 370.32 Td (1,134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 356.32 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.50 356.32 Td (...........................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 356.32 Td (15,898) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 342.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 342.32 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.50 342.32 Td (.................................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 342.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 342.32 Td (23,703) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 320.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 320.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.63 320.25 Td (rental ) Tj ET Q q 0 0 0 rg BT 117.62 320.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.05 320.25 Td (approximated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.26 320.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 228.98 320.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.88 320.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.60 320.25 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 282.33 320.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.22 320.25 Td ( ) Tj ET Q q 0 0 0 rg BT 313.44 320.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.11 320.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 349.83 320.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.73 320.25 Td ( ) Tj ET Q q 0 0 0 rg BT 380.95 320.25 Td (for ) Tj ET Q q 0 0 0 rg BT 394.84 320.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 432.88 320.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.98 320.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 517.29 320.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.29 320.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.02 320.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 308.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.94 308.25 Td (, ) Tj ET Q q 0 0 0 rg BT 91.94 308.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 139.60 308.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 290.25 Td (Legal matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 272.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.63 272.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.60 272.25 Td (is ) Tj ET Q q 0 0 0 rg BT 140.35 272.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 178.43 272.25 Td (in ) Tj ET Q q 0 0 0 rg BT 189.29 272.25 Td (various ) Tj ET Q q 0 0 0 rg BT 221.81 272.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 244.33 272.25 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 295.72 272.25 Td (which ) Tj ET Q q 0 0 0 rg BT 323.25 272.25 Td (have ) Tj ET Q q 0 0 0 rg BT 345.21 272.25 Td (arisen ) Tj ET Q q 0 0 0 rg BT 372.16 272.25 Td (in ) Tj ET Q q 0 0 0 rg BT 383.03 272.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.32 272.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 429.73 272.25 Td (course ) Tj ET Q q 0 0 0 rg BT 458.91 272.25 Td (of ) Tj ET Q q 0 0 0 rg BT 470.33 272.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 509.80 272.25 Td (Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 84.34 260.25 Td (that ) Tj ET Q q 0 0 0 rg BT 100.91 260.25 Td (resolution ) Tj ET Q q 0 0 0 rg BT 142.48 260.25 Td (of ) Tj ET Q q 0 0 0 rg BT 152.39 260.25 Td (these ) Tj ET Q q 0 0 0 rg BT 174.51 260.25 Td (matters ) Tj ET Q q 0 0 0 rg BT 205.52 260.25 Td (will ) Tj ET Q q 0 0 0 rg BT 222.65 260.25 Td (not ) Tj ET Q q 0 0 0 rg BT 237.01 260.25 Td (have ) Tj ET Q q 0 0 0 rg BT 257.46 260.25 Td (a ) Tj ET Q q 0 0 0 rg BT 263.48 260.25 Td (material ) Tj ET Q q 0 0 0 rg BT 297.81 260.25 Td (ef) Tj ET Q q 0 0 0 rg BT 305.40 260.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 321.96 260.25 Td (on ) Tj ET Q q 0 0 0 rg BT 333.54 260.25 Td (the ) Tj ET Q q 0 0 0 rg BT 347.33 260.25 Td (Company) Tj ET Q q 0 0 0 rg BT 389.00 260.25 Td (s ) Tj ET Q q 0 0 0 rg BT 394.46 260.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 431.02 260.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 470.37 260.25 Td (or ) Tj ET Q q 0 0 0 rg BT 480.28 260.25 Td (results ) Tj ET Q q 0 0 0 rg BT 507.96 260.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.87 260.25 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 242.25 Td (Off-balance ) Tj ET Q q 0 0 0 rg BT 103.05 242.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 127.21 242.25 Td (instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 224.25 Td (In ) Tj ET Q q 0 0 0 rg BT 81.43 224.25 Td (the ) Tj ET Q q 0 0 0 rg BT 96.75 224.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 128.18 224.25 Td (course ) Tj ET Q q 0 0 0 rg BT 157.38 224.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.81 224.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 208.30 224.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.62 224.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 265.61 224.25 Td (is ) Tj ET Q q 0 0 0 rg BT 275.38 224.25 Td (a ) Tj ET Q q 0 0 0 rg BT 282.92 224.25 Td (party ) Tj ET Q q 0 0 0 rg BT 306.57 224.25 Td (to ) Tj ET Q q 0 0 0 rg BT 317.45 224.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 355.54 224.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 405.30 224.25 Td (with ) Tj ET Q q 0 0 0 rg BT 426.18 224.25 Td (of) Tj ET Q q 0 0 0 rg BT 434.33 224.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 474.63 224.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 498.28 224.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 516.38 224.25 Td (to ) Tj ET Q q 0 0 0 rg BT 527.26 224.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 549.79 224.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 89.29 212.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 113.58 212.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.43 212.25 Td (its ) Tj ET Q q 0 0 0 rg BT 134.40 212.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 178.86 212.25 Td (These ) Tj ET Q q 0 0 0 rg BT 204.26 212.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 240.76 212.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 288.95 212.25 Td (include ) Tj ET Q q 0 0 0 rg BT 319.91 212.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 375.87 212.25 Td (to ) Tj ET Q q 0 0 0 rg BT 385.17 212.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 413.34 212.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 437.63 212.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.59 212.25 Td (involve, ) Tj ET Q q 0 0 0 rg BT 487.61 212.25 Td (to ) Tj ET Q q 0 0 0 rg BT 496.91 212.25 Td (varying ) Tj ET Q q 0 0 0 rg BT 528.98 212.25 Td (degrees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.25 Td (elements ) Tj ET Q q 0 0 0 rg BT 87.96 200.25 Td (of ) Tj ET Q q 0 0 0 rg BT 98.71 200.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 123.89 200.25 Td (and ) Tj ET Q q 0 0 0 rg BT 140.75 200.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 172.60 200.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 190.01 200.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 207.43 200.25 Td (in ) Tj ET Q q 0 0 0 rg BT 217.63 200.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 246.15 200.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.89 200.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.53 200.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 307.84 200.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 354.12 200.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.32 200.25 Td (the ) Tj ET Q q 0 0 0 rg BT 378.95 200.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 416.35 200.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 463.31 200.25 Td (The ) Tj ET Q q 0 0 0 rg BT 481.28 200.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 528.11 200.25 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 188.25 Td (these ) Tj ET Q q 0 0 0 rg BT 83.88 188.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 133.04 188.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 161.07 188.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.79 188.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 202.72 188.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.55 188.25 Td (involvement ) Tj ET Q q 0 0 0 rg BT 266.04 188.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.76 188.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 322.15 188.25 Td (has ) Tj ET Q q 0 0 0 rg BT 337.98 188.25 Td (in ) Tj ET Q q 0 0 0 rg BT 348.26 188.25 Td (particular ) Tj ET Q q 0 0 0 rg BT 389.07 188.25 Td (classes ) Tj ET Q q 0 0 0 rg BT 419.34 188.25 Td (of ) Tj ET Q q 0 0 0 rg BT 430.17 188.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 467.65 188.25 Td (instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 170.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.91 170.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 136.69 170.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 173.94 170.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.63 170.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 243.43 170.25 Td (to ) Tj ET Q q 0 0 0 rg BT 254.57 170.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 284.59 170.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 310.71 170.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 350.72 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.30 170.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 403.55 170.25 Td (of ) Tj ET Q q 0 0 0 rg BT 415.24 170.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 453.59 170.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 500.83 170.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 519.75 170.25 Td (should ) Tj ET Q q 0 0 0 rg BT 549.78 170.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.25 Td (contract ) Tj ET Q q 0 0 0 rg BT 84.19 158.25 Td (be ) Tj ET Q q 0 0 0 rg BT 95.62 158.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 116.49 158.25 Td (drawn ) Tj ET Q q 0 0 0 rg BT 143.47 158.25 Td (upon, ) Tj ET Q q 0 0 0 rg BT 167.95 158.25 Td (the ) Tj ET Q q 0 0 0 rg BT 182.16 158.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 224.69 158.25 Td (default, ) Tj ET Q q 0 0 0 rg BT 256.94 158.25 Td (and ) Tj ET Q q 0 0 0 rg BT 273.37 158.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.57 158.25 Td (value ) Tj ET Q q 0 0 0 rg BT 311.22 158.25 Td (of ) Tj ET Q q 0 0 0 rg BT 321.53 158.25 Td (any ) Tj ET Q q 0 0 0 rg BT 337.96 158.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 371.61 158.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 410.80 158.25 Td (becomes ) Tj ET Q q 0 0 0 rg BT 447.77 158.25 Td (worthless. ) Tj ET Q q 0 0 0 rg BT 490.59 158.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 544.78 158.25 Td (uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.74 146.25 Td (same ) Tj ET Q q 0 0 0 rg BT 89.81 146.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.10 146.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 150.73 146.25 Td (in ) Tj ET Q q 0 0 0 rg BT 162.03 146.25 Td (making ) Tj ET Q q 0 0 0 rg BT 195.55 146.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 253.51 146.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.48 146.25 Td (conditional ) Tj ET Q q 0 0 0 rg BT 319.99 146.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 367.96 146.25 Td (as ) Tj ET Q q 0 0 0 rg BT 379.81 146.25 Td (it ) Tj ET Q q 0 0 0 rg BT 388.89 146.25 Td (does ) Tj ET Q q 0 0 0 rg BT 410.75 146.25 Td (for ) Tj ET Q q 0 0 0 rg BT 425.93 146.25 Td (on-balance ) Tj ET Q q 0 0 0 rg BT 473.32 146.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 497.39 146.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 547.58 146.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 89.22 134.25 Td (each ) Tj ET Q q 0 0 0 rg BT 109.56 134.25 Td (customer) Tj ET Q q 0 0 0 rg BT 146.58 134.25 Td () Tj ET Q q 0 0 0 rg BT 149.36 134.25 Td (s ) Tj ET Q q 0 0 0 rg BT 155.27 134.25 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 223.38 134.25 Td (on ) Tj ET Q q 0 0 0 rg BT 235.40 134.25 Td (a ) Tj ET Q q 0 0 0 rg BT 241.86 134.25 Td (case-by-case ) Tj ET Q q 0 0 0 rg BT 294.95 134.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 319.47 134.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 373.69 134.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 408.48 134.25 Td (that ) Tj ET Q q 0 0 0 rg BT 425.49 134.25 Td (they ) Tj ET Q q 0 0 0 rg BT 444.73 134.25 Td (control ) Tj ET Q q 0 0 0 rg BT 475.07 134.25 Td (the ) Tj ET Q q 0 0 0 rg BT 489.31 134.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 514.09 134.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 531.11 134.25 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 134.25 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.98 122.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 139.64 122.25 Td (through ) Tj ET Q q 0 0 0 rg BT 174.74 122.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 201.50 122.25 Td (approvals, ) Tj ET Q q 0 0 0 rg BT 246.88 122.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 273.63 122.25 Td (limits, ) Tj ET Q q 0 0 0 rg BT 302.91 122.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 351.35 122.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 399.22 122.25 Td (and ) Tj ET Q q 0 0 0 rg BT 417.65 122.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.86 122.25 Td (receipt ) Tj ET Q q 0 0 0 rg BT 465.06 122.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.39 122.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 518.58 122.25 Td (as ) Tj ET Q q 0 0 0 rg BT 530.91 122.25 Td (deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.25 Td (necessary) Tj ET Q q 0 0 0 rg BT 88.22 110.25 Td (.) 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 (94) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 109.71 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 158.88 742.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 186.93 742.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 221.63 742.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 258.02 742.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 306.60 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 331.87 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 349.37 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.08 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 417.67 742.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.67 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.17 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.10 742.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.10 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.60 742.10 Td (were ) Tj ET Q q 0 0 0 rg BT 501.53 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 512.36 742.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 712.6 m 503.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 712.6 m 507.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 712.6 m 562.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 699.6 m 503.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 699.6 m 562.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 626.6 m 503.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 612.6 m 503.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 610.6 m 503.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 612.6 m 562.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 610.6 m 562.5 610.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 716.83 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 716.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 703.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 703.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 690.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 676.27 Td (Commitments to extend credit:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 661.27 Td (Loan commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.50 661.17 Td (...........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 661.27 Td (190,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 661.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 661.27 Td (1) Tj ET Q q 0 0 0 rg BT 531.15 661.27 Td (12,649) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 646.27 Td (Undisbursed construction loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.50 646.17 Td (.......................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 646.27 Td (68,151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 646.27 Td (80,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 631.27 Td (Unused home equity lines of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.00 631.17 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 631.27 Td (7,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 631.27 Td (7,573) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 616.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 616.27 Td (266,257) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 616.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 616.27 Td (200,286) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 594.10 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 128.33 594.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.77 594.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 166.09 594.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 190.52 594.10 Td (are ) Tj ET Q q 0 0 0 rg BT 204.39 594.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 251.58 594.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.02 594.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 279.90 594.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.34 594.10 Td (a ) Tj ET Q q 0 0 0 rg BT 295.44 594.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 333.76 594.10 Td (as ) Tj ET Q q 0 0 0 rg BT 343.75 594.10 Td (long ) Tj ET Q q 0 0 0 rg BT 363.20 594.10 Td (as ) Tj ET Q q 0 0 0 rg BT 373.19 594.10 Td (there ) Tj ET Q q 0 0 0 rg BT 394.84 594.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.17 594.10 Td (no ) Tj ET Q q 0 0 0 rg BT 414.83 594.10 Td (violation ) Tj ET Q q 0 0 0 rg BT 452.05 594.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.04 594.10 Td (any ) Tj ET Q q 0 0 0 rg BT 478.14 594.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 517.58 594.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 582.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.03 582.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.49 582.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 108.94 582.10 Td (or ) Tj ET Q q 0 0 0 rg BT 119.52 582.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 148.97 582.10 Td (milestones ) Tj ET Q q 0 0 0 rg BT 193.99 582.10 Td (in ) Tj ET Q q 0 0 0 rg BT 204.02 582.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.49 582.10 Td (case ) Tj ET Q q 0 0 0 rg BT 237.94 582.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.52 582.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 300.20 582.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.56 582.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.14 582.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 375.26 582.10 Td (required ) Tj ET Q q 0 0 0 rg BT 410.83 582.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 450.27 582.10 Td (under ) Tj ET Q q 0 0 0 rg BT 475.29 582.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 519.20 582.10 Td (base ) Tj ET Q q 0 0 0 rg BT 539.22 582.10 Td (limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 570.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.01 570.10 Td (met. ) Tj ET Q q 0 0 0 rg BT 83.31 570.10 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 141.78 570.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.36 570.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 179.82 570.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 204.39 570.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 243.39 570.10 Td (have ) Tj ET Q q 0 0 0 rg BT 264.07 570.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 286.42 570.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 328.77 570.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 351.12 570.10 Td (or ) Tj ET Q q 0 0 0 rg BT 361.25 570.10 Td (other ) Tj ET Q q 0 0 0 rg BT 383.60 570.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 431.50 570.10 Td (clauses ) Tj ET Q q 0 0 0 rg BT 462.19 570.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.43 570.10 Td (may ) Tj ET Q q 0 0 0 rg BT 497.45 570.10 Td (require ) Tj ET Q q 0 0 0 rg BT 527.57 570.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 558.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.55 558.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.20 558.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 81.63 558.10 Td (by ) Tj ET Q q 0 0 0 rg BT 93.84 558.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.28 558.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 144.38 558.10 Td (. ) Tj ET Q q 0 0 0 rg BT 149.09 558.10 Td (Since ) Tj ET Q q 0 0 0 rg BT 173.53 558.10 Td (these ) Tj ET Q q 0 0 0 rg BT 196.29 558.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 252.94 558.10 Td (could ) Tj ET Q q 0 0 0 rg BT 277.38 558.10 Td (expire ) Tj ET Q q 0 0 0 rg BT 304.58 558.10 Td (without ) Tj ET Q q 0 0 0 rg BT 337.35 558.10 Td (being ) Tj ET Q q 0 0 0 rg BT 361.79 558.10 Td (drawn ) Tj ET Q q 0 0 0 rg BT 388.99 558.10 Td (upon, ) Tj ET Q q 0 0 0 rg BT 413.71 558.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.14 558.10 Td (total ) Tj ET Q q 0 0 0 rg BT 448.13 558.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 500.90 558.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 537.00 558.10 Td (do ) Tj ET Q q 0 0 0 rg BT 549.22 558.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 546.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 97.53 546.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 137.27 546.10 Td (future ) Tj ET Q q 0 0 0 rg BT 164.25 546.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 185.12 546.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 242.70 546.10 Td (The ) Tj ET Q q 0 0 0 rg BT 261.35 546.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 294.45 546.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.88 546.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 346.18 546.10 Td (obtained, ) Tj ET Q q 0 0 0 rg BT 386.22 546.10 Td (if ) Tj ET Q q 0 0 0 rg BT 395.43 546.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 429.62 546.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 471.59 546.10 Td (by ) Tj ET Q q 0 0 0 rg BT 484.69 546.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.01 546.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 542.00 546.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 534.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 91.83 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.67 534.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 132.43 534.10 Td (is ) Tj ET Q q 0 0 0 rg BT 142.61 534.10 Td (based ) Tj ET Q q 0 0 0 rg BT 168.88 534.10 Td (on ) Tj ET Q q 0 0 0 rg BT 182.39 534.10 Td (management) Tj ET Q q 0 0 0 rg BT 236.25 534.10 Td (s ) Tj ET Q q 0 0 0 rg BT 243.65 534.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.92 534.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 315.07 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.91 534.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.63 534.10 Td (counter ) Tj ET Q q 0 0 0 rg BT 376.12 534.10 Td (party) Tj ET Q q 0 0 0 rg BT 396.02 534.10 Td (. ) Tj ET Q q 0 0 0 rg BT 402.02 534.10 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 444.96 534.10 Td (held ) Tj ET Q q 0 0 0 rg BT 465.68 534.10 Td (varies, ) Tj ET Q q 0 0 0 rg BT 495.56 534.10 Td (but ) Tj ET Q q 0 0 0 rg BT 511.84 534.10 Td (may ) Tj ET Q q 0 0 0 rg BT 532.57 534.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 94.15 522.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.09 522.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 160.79 522.10 Td (property) Tj ET Q q 0 0 0 rg BT 194.01 522.10 Td (, ) Tj ET Q q 0 0 0 rg BT 199.01 522.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 234.29 522.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.23 522.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 504.10 Td (These ) Tj ET Q q 0 0 0 rg BT 96.67 504.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 153.89 504.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 185.01 504.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.02 504.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 241.69 504.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.26 504.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 290.04 504.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 328.93 504.10 Td (in ) Tj ET Q q 0 0 0 rg BT 339.50 504.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 368.38 504.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.50 504.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 416.18 504.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 453.94 504.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.51 504.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.52 504.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.29 504.10 Td (statements, ) 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 66.31 492.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 106.76 492.10 Td (management ) Tj ET Q q 0 0 0 rg BT 159.72 492.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 200.47 492.10 Td (a ) Tj ET Q q 0 0 0 rg BT 206.78 492.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 239.75 492.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 270.48 492.10 Td (for ) Tj ET Q q 0 0 0 rg BT 284.01 492.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 323.65 492.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 348.29 492.10 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 406.96 492.10 Td (This ) Tj ET Q q 0 0 0 rg BT 426.61 492.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 457.35 492.10 Td (is ) Tj ET Q q 0 0 0 rg BT 465.89 492.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 501.07 492.10 Td (as ) Tj ET Q q 0 0 0 rg BT 511.27 492.10 Td (a ) Tj ET Q q 0 0 0 rg BT 517.58 492.10 Td (component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.85 480.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 92.44 480.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 130.06 480.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.01 480.10 Td (other ) Tj ET Q q 0 0 0 rg BT 168.07 480.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 206.81 480.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.10 480.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.83 480.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 289.66 480.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 343.95 480.10 Td (Balance ) Tj ET Q q 0 0 0 rg BT 377.66 480.10 Td (Sheets. ) Tj ET Q q 0 0 0 rg BT 407.68 480.10 Td (The ) Tj ET Q q 0 0 0 rg BT 424.74 480.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 455.12 480.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.30 480.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 507.58 480.10 Td (commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.71 468.10 Td ($175 ) Tj ET Q q 0 0 0 rg BT 102.21 468.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.32 468.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.82 468.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.54 468.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 209.12 468.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.12 468.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.62 468.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.56 468.10 Td ($250 ) Tj ET Q q 0 0 0 rg BT 271.06 468.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.17 468.10 Td ( ) Tj ET Q q 0 0 0 rg BT 309.67 468.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.38 468.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 377.97 468.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.97 468.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (12. ) Tj ET Q q 0 0 0 rg BT 68.00 450.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 101.98 450.10 Td (T) Tj ET Q q 0 0 0 rg BT 107.73 450.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 432.10 Td (The components of income tax expense for theyears ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.91 432.10 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 432.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 432.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 432.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.93 432.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.93 432.10 Td ( consisted of:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 402.6 m 444.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 402.6 m 448.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 402.6 m 503.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 402.6 m 507.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 402.6 m 562.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 389.6 m 444.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 389.6 m 503.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 389.6 m 562.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 331.6 m 444.5 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 331.6 m 503.5 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 331.6 m 562.5 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 286.6 m 444.5 286.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 272.6 m 444.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 270.6 m 444.5 270.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 286.6 m 503.5 286.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 272.6 m 503.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 270.6 m 503.5 270.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 286.6 m 562.5 286.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 272.6 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 507.5 270.6 m 562.5 270.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.25 406.83 Td (December) Tj ET Q q 0 0 0 rg BT 486.82 406.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 393.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 393.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 393.83 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 451.15 380.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 366.27 Td (Current provision:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 351.27 Td (Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 351.17 Td (......................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 351.27 Td (2,251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 351.27 Td (6,960) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 351.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 351.27 Td (6,838) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 336.27 Td (State) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.00 336.17 Td (..........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 336.27 Td (185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 336.27 Td (431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 336.27 Td (226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 321.27 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 321.27 Td (otal current) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.50 321.17 Td (.........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 321.27 Td (2,436) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 321.27 Td (7,391) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 321.27 Td (7,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 306.27 Td (Deferred provision \(benefit\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 291.27 Td (Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 291.17 Td (......................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 291.27 Td (1,284) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 291.27 Td (3,908) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 291.32 Td (\(1,104) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 291.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 276.28 Td (T) Tj ET Q q 0 0 0 rg BT 88.75 276.28 Td (otal income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.00 276.17 Td (..............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 276.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 276.27 Td (3,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 276.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 276.27 Td (1) Tj ET Q q 0 0 0 rg BT 477.15 276.27 Td (1,299) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 276.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 276.27 Td (5,960) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 254.10 Td (In ) Tj ET Q q 0 0 0 rg BT 82.00 254.10 Td (October) Tj ET Q q 0 0 0 rg BT 113.81 254.10 Td (, ) Tj ET Q q 0 0 0 rg BT 119.97 254.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 146.14 254.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.03 254.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 204.58 254.10 Td (created ) Tj ET Q q 0 0 0 rg BT 237.11 254.10 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 279.11 254.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 303.32 254.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 345.32 254.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 377.04 254.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 398.47 254.10 Td (a ) Tj ET Q q 0 0 0 rg BT 406.58 254.10 Td (Passive ) Tj ET Q q 0 0 0 rg BT 440.25 254.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 488.35 254.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 530.91 254.10 Td (\(PIC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 242.10 Td (or) Tj ET Q q 0 0 0 rg BT 58.15 242.10 Td (ganized ) Tj ET Q q 0 0 0 rg BT 90.50 242.10 Td (for ) Tj ET Q q 0 0 0 rg BT 103.41 242.10 Td (state ) Tj ET Q q 0 0 0 rg BT 122.99 242.10 Td (income ) Tj ET Q q 0 0 0 rg BT 153.68 242.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 167.15 242.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 206.36 242.10 Td (The ) Tj ET Q q 0 0 0 rg BT 223.16 242.10 Td (PIC ) Tj ET Q q 0 0 0 rg BT 239.98 242.10 Td (is ) Tj ET Q q 0 0 0 rg BT 247.90 242.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.60 242.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 312.62 242.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 354.98 242.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.56 242.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.04 242.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 400.40 242.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 439.42 242.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.45 242.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 494.66 242.10 Td (with ) Tj ET Q q 0 0 0 rg BT 513.69 242.10 Td (Connecticut ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 230.10 Td (statutes. ) Tj ET Q q 0 0 0 rg BT 85.43 230.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.15 230.10 Td (PIC) Tj ET Q q 0 0 0 rg BT 122.49 230.10 Td (s ) Tj ET Q q 0 0 0 rg BT 129.54 230.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 168.81 230.10 Td (are ) Tj ET Q q 0 0 0 rg BT 184.18 230.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 215.68 230.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.62 230.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 252.56 230.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.50 230.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 297.23 230.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.83 230.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 357.43 230.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 381.71 230.10 Td (that ) Tj ET Q q 0 0 0 rg BT 399.87 230.10 Td (are ) Tj ET Q q 0 0 0 rg BT 415.24 230.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 472.26 230.10 Td (by ) Tj ET Q q 0 0 0 rg BT 485.43 230.10 Td (real ) Tj ET Q q 0 0 0 rg BT 503.58 230.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 532.01 230.10 Td (Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 78.86 218.10 Td (by ) Tj ET Q q 0 0 0 rg BT 91.08 218.10 Td (a ) Tj ET Q q 0 0 0 rg BT 97.74 218.10 Td (PIC ) Tj ET Q q 0 0 0 rg BT 115.52 218.10 Td (is ) Tj ET Q q 0 0 0 rg BT 124.41 218.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 171.61 218.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.61 218.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 228.79 218.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.79 218.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.22 218.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 300.44 218.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 354.86 218.10 Td (for ) Tj ET Q q 0 0 0 rg BT 368.74 218.10 Td (a ) Tj ET Q q 0 0 0 rg BT 375.40 218.10 Td (passive ) Tj ET Q q 0 0 0 rg BT 407.05 218.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 453.15 218.10 Td (company ) Tj ET Q q 0 0 0 rg BT 492.03 218.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.69 218.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 218.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 69.60 206.10 Td (by ) Tj ET Q q 0 0 0 rg BT 81.98 206.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.57 206.10 Td (PIC ) Tj ET Q q 0 0 0 rg BT 114.51 206.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.67 206.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.27 206.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 162.75 206.10 Td (are ) Tj ET Q q 0 0 0 rg BT 177.34 206.10 Td (not ) Tj ET Q q 0 0 0 rg BT 192.50 206.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 223.75 206.10 Td (income ) Tj ET Q q 0 0 0 rg BT 255.56 206.10 Td (for ) Tj ET Q q 0 0 0 rg BT 269.60 206.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 320.30 206.10 Td (income ) Tj ET Q q 0 0 0 rg BT 352.12 206.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 366.71 206.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 406.62 206.10 Td (As ) Tj ET Q q 0 0 0 rg BT 420.11 206.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.93 206.10 Td (result ) Tj ET Q q 0 0 0 rg BT 451.52 206.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.23 206.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.83 206.10 Td (formation ) Tj ET Q q 0 0 0 rg BT 518.64 206.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.35 206.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.95 206.10 Td (PIC, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.08 194.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 87.05 194.10 Td (no ) Tj ET Q q 0 0 0 rg BT 98.91 194.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 126.32 194.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 158.17 194.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.81 194.10 Td (be ) Tj ET Q q 0 0 0 rg BT 179.11 194.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 209.30 194.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.94 194.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 269.13 194.10 Td (income ) Tj ET Q q 0 0 0 rg BT 300.42 194.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 325.33 194.10 Td (State ) Tj ET Q q 0 0 0 rg BT 347.19 194.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 369.60 194.10 Td (are ) Tj ET Q q 0 0 0 rg BT 383.67 194.10 Td (being ) Tj ET Q q 0 0 0 rg BT 407.75 194.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 453.47 194.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.00 194.10 Td (income ) Tj ET Q q 0 0 0 rg BT 498.29 194.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 520.70 194.10 Td (on ) Tj ET Q q 0 0 0 rg BT 532.57 194.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 79.15 182.10 Td (in ) Tj ET Q q 0 0 0 rg BT 89.42 182.10 Td (other ) Tj ET Q q 0 0 0 rg BT 112.47 182.10 Td (states.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 164.10 Td (On ) Tj ET Q q 0 0 0 rg BT 84.12 164.10 Td (December22, ) Tj ET Q q 0 0 0 rg BT 142.10 164.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 166.50 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.47 164.10 Td (T) Tj ET Q q 0 0 0 rg BT 185.88 164.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 197.22 164.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 217.46 164.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.79 164.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 253.05 164.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 269.39 164.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.62 164.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 301.51 164.10 Td (was ) Tj ET Q q 0 0 0 rg BT 318.96 164.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 346.97 164.10 Td (into ) Tj ET Q q 0 0 0 rg BT 364.42 164.10 Td (law) Tj ET Q q 0 0 0 rg BT 378.21 164.10 Td (. ) Tj ET Q q 0 0 0 rg BT 382.19 164.10 Td (As ) Tj ET Q q 0 0 0 rg BT 395.20 164.10 Td (a ) Tj ET Q q 0 0 0 rg BT 401.53 164.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 428.15 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.26 164.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 481.91 164.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 496.03 164.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 512.91 164.10 Td (was ) Tj ET Q q 0 0 0 rg BT 530.36 164.10 Td (reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.89 152.10 Td (35% ) Tj ET Q q 0 0 0 rg BT 92.68 152.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.92 152.10 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.25 152.10 Td (. ) Tj ET Q q 0 0 0 rg BT 126.20 152.10 Td (Companies ) Tj ET Q q 0 0 0 rg BT 173.65 152.10 Td (were ) Tj ET Q q 0 0 0 rg BT 195.54 152.10 Td (required ) Tj ET Q q 0 0 0 rg BT 231.31 152.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.54 152.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 282.86 152.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.53 152.10 Td (ef) Tj ET Q q 0 0 0 rg BT 305.12 152.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 322.56 152.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.35 152.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 348.02 152.10 Td (law ) Tj ET Q q 0 0 0 rg BT 364.92 152.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 399.58 152.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.81 152.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.49 152.10 Td (period ) Tj ET Q q 0 0 0 rg BT 452.49 152.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.28 152.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 506.82 152.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.06 152.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.92 140.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 96.04 140.10 Td (. ) Tj ET Q q 0 0 0 rg BT 100.21 140.10 Td (As ) Tj ET Q q 0 0 0 rg BT 113.46 140.10 Td (result ) Tj ET Q q 0 0 0 rg BT 137.82 140.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.30 140.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.66 140.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 177.02 140.10 Td (law ) Tj ET Q q 0 0 0 rg BT 193.60 140.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 227.95 140.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.31 140.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 283.33 140.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 329.34 140.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.92 140.10 Td (write-down ) Tj ET Q q 0 0 0 rg BT 384.16 140.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.63 140.10 Td (its ) Tj ET Q q 0 0 0 rg BT 406.23 140.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 441.67 140.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 456.03 140.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 477.61 140.10 Td (in ) Tj ET Q q 0 0 0 rg BT 487.53 140.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.89 140.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 534.03 140.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.50 140.10 Td ($3.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 128.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.39 128.10 Td (for ) Tj ET Q q 0 0 0 rg BT 95.55 128.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.27 128.10 Td (year ) Tj ET Q q 0 0 0 rg BT 129.98 128.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.35 128.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 214.94 128.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.94 128.10 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 (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.27 742.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 136.86 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.79 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.61 742.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 209.08 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 241.12 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 255.94 742.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 293.26 742.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 335.30 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 347.90 742.10 Td (applying ) Tj ET Q q 0 0 0 rg BT 385.50 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.32 742.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 437.92 742.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 468.28 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 500.32 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 515.14 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 532.73 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.67 742.10 Td (21%) 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 (for ) Tj ET Q q 0 0 0 rg BT 64.38 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.32 730.10 Td (year ) Tj ET Q q 0 0 0 rg BT 99.25 730.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.85 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 184.65 730.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.65 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 207.37 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.53 730.10 Td (35%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.86 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.58 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.96 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.90 730.10 Td (years ) Tj ET Q q 0 0 0 rg BT 298.72 730.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.32 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 384.13 730.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.13 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 406.85 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.01 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.01 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 446.73 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.23 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.17 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 504.32 730.10 Td (before ) Tj ET Q q 0 0 0 rg BT 532.58 730.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 75.73 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 86.19 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.09 718.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 133.77 718.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 169.76 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 180.22 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.12 718.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 248.35 718.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 293.24 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.25 718.10 Td (income ) Tj ET Q q 0 0 0 rg BT 336.37 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 350.71 718.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 389.21 718.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.77 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 474.53 718.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.53 718.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.72 718.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.72 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 524.90 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.02 718.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (was ) Tj ET Q q 0 0 0 rg BT 68.05 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 78.88 706.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 676.6 m 444.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 676.6 m 448.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 676.6 m 503.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 676.6 m 507.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 676.6 m 562.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 663.6 m 444.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 663.6 m 503.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 663.6 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 389.5 545.6 m 444.5 545.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 531.6 m 444.5 531.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 529.6 m 444.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 545.6 m 503.5 545.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 531.6 m 503.5 531.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 529.6 m 503.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 545.6 m 562.5 545.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 531.6 m 562.5 531.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 529.6 m 562.5 529.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.25 680.83 Td (December) Tj ET Q q 0 0 0 rg BT 486.82 680.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 667.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 667.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 667.83 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 451.15 654.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 640.27 Td (Income tax expense at statutory federal rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.50 640.17 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 640.27 Td (4,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 640.27 Td (8,795) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 640.27 Td (6,409) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 625.27 Td (State tax expense, net of federal tax ef) Tj ET Q q 0 0 0 rg BT 205.61 625.27 Td (fect) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.00 625.17 Td (..................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 625.27 Td (99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 625.27 Td (280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 625.27 Td (147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.27 Td (Statutory rate reductions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.50 610.17 Td (.............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 610.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 610.27 Td (3,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 610.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 595.27 Td (Income exempt from tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.50 595.17 Td (.............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 595.32 Td (\(403) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 595.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 595.32 Td (\(822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 595.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 595.32 Td (\(687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 595.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 580.27 Td (Benefits related to stock compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.50 580.17 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 580.32 Td (\(68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 580.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 580.32 Td (\(490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 580.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 580.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 565.27 Td (Deferred director fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.00 565.17 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 565.32 Td (\(100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 565.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 565.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 565.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 550.27 Td (Other items, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.50 550.17 Td (...........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 550.32 Td (\(250) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 550.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 550.27 Td (266) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 550.27 Td (91) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 535.28 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 535.17 Td (............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 535.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 535.27 Td (3,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 535.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 535.27 Td (1) Tj ET Q q 0 0 0 rg BT 477.15 535.27 Td (1,299) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 535.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 535.27 Td (5,960) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 513.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 513.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 141.08 513.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.08 513.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.58 513.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.52 513.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.52 513.10 Td (, ) Tj ET Q q 0 0 0 rg BT 205.52 513.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.24 513.10 Td (components ) Tj ET Q q 0 0 0 rg BT 271.06 513.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.89 513.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 317.70 513.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 332.42 513.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 358.25 513.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.19 513.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 414.90 513.10 Td (were ) Tj ET Q q 0 0 0 rg BT 436.83 513.10 Td (as ) Tj ET Q q 0 0 0 rg BT 447.66 513.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 483.6 m 503.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 483.6 m 507.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 483.6 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 448.5 483.6 m 503.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 470.6 m 503.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 483.6 m 507.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 483.6 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 507.5 470.6 m 562.5 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 307.6 m 503.5 307.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 307.6 m 562.5 307.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 292.6 m 503.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 292.6 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 448.5 187.60000000000002 m 503.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 187.60000000000002 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 448.5 172.60000000000002 m 503.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 172.60000000000002 m 562.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 158.60000000000002 m 503.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 156.60000000000002 m 503.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 158.60000000000002 m 562.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 156.60000000000002 m 562.5 156.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 487.83 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 487.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 474.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 474.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 461.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 447.27 Td (Deferred tax assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 432.27 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.00 432.17 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 432.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 432.27 Td (3,284) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 432.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 432.27 Td (4,022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 417.27 Td (Net operating loss carryforwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.50 417.17 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 417.27 Td (518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 417.27 Td (555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 402.27 Td (Purchase accounting adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.50 402.17 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 402.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 402.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 387.27 Td (Deferred fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.00 387.17 Td (....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 387.27 Td (1,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 387.27 Td (1,162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 372.27 Td (Deferred director fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.50 372.17 Td (.......................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 372.27 Td (31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 372.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 357.27 Td (Start-up costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.00 357.17 Td (....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 357.27 Td (1) Tj ET Q q 0 0 0 rg BT 489.65 357.27 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 357.27 Td (144) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 342.27 Td (Depreciation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.50 342.17 Td (.....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 342.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 342.27 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 327.27 Td (Unrealized loss on available for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 327.17 Td (................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 327.27 Td (367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 327.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 312.27 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 312.17 Td (.................................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 312.27 Td (204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 312.27 Td (88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 297.27 Td (Gross deferred tax assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.50 297.17 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 297.27 Td (5,674) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 297.27 Td (6,052) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 282.27 Td (Deferred tax liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 267.27 Td (Deferred expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.00 267.17 Td (............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 267.27 Td (628) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 267.27 Td (482) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 252.27 Td (Servicing rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 252.17 Td (................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 252.27 Td (166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 252.27 Td (216) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 237.27 Td (Purchase accounting adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.50 237.17 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 237.27 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 237.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 222.27 Td (Depreciation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.50 222.17 Td (.....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 222.27 Td (382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 222.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 207.27 Td (Unrealized gain on derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.50 207.17 Td (.........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 207.27 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 207.27 Td (427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 192.27 Td (Unrealized gain on available for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 192.17 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 192.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 192.27 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 177.27 Td (Gross deferred tax liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.00 177.17 Td (........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 177.27 Td (1,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 177.27 Td (1,148) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 162.28 Td (Net deferr) Tj ET Q q 0 0 0 rg BT 126.96 162.28 Td (ed tax asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.50 162.17 Td (...........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 162.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 162.27 Td (4,347) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 162.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 162.27 Td (4,904) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 140.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 140.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.04 140.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 118.61 140.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 161.51 140.10 Td (against ) Tj ET Q q 0 0 0 rg BT 192.20 140.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 227.87 140.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 242.46 140.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 268.15 140.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.19 140.10 Td (required ) Tj ET Q q 0 0 0 rg BT 312.87 140.10 Td (if, ) Tj ET Q q 0 0 0 rg BT 323.84 140.10 Td (based ) Tj ET Q q 0 0 0 rg BT 348.98 140.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.34 140.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.93 140.10 Td (weight ) Tj ET Q q 0 0 0 rg BT 405.51 140.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.20 140.10 Td (available ) Tj ET Q q 0 0 0 rg BT 454.66 140.10 Td (evidence, ) Tj ET Q q 0 0 0 rg BT 495.06 140.10 Td (it ) Tj ET Q q 0 0 0 rg BT 502.98 140.10 Td (is ) Tj ET Q q 0 0 0 rg BT 512.01 140.10 Td (more-likely-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.10 Td (than-not ) Tj ET Q q 0 0 0 rg BT 86.00 128.10 Td (that ) Tj ET Q q 0 0 0 rg BT 103.68 128.10 Td (some ) Tj ET Q q 0 0 0 rg BT 127.47 128.10 Td (or ) Tj ET Q q 0 0 0 rg BT 138.48 128.10 Td (all ) Tj ET Q q 0 0 0 rg BT 151.15 128.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.16 128.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.06 128.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 213.04 128.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 227.94 128.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 253.95 128.10 Td (will ) Tj ET Q q 0 0 0 rg BT 272.19 128.10 Td (not ) Tj ET Q q 0 0 0 rg BT 287.64 128.10 Td (be ) Tj ET Q q 0 0 0 rg BT 299.76 128.10 Td (realized. ) Tj ET Q q 0 0 0 rg BT 336.58 128.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 391.46 128.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 432.46 128.10 Td (its ) Tj ET Q q 0 0 0 rg BT 444.58 128.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 487.80 128.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 523.79 128.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 538.69 128.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 116.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 102.20 116.10 Td (no ) Tj ET Q q 0 0 0 rg BT 114.70 116.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 154.41 116.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 201.34 116.10 Td (are ) Tj ET Q q 0 0 0 rg BT 216.04 116.10 Td (needed ) Tj ET Q q 0 0 0 rg BT 246.86 116.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.58 116.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 315.16 116.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.16 116.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 98.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.46 98.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 139.00 98.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.00 98.10 Td (, ) Tj ET Q q 0 0 0 rg BT 162.96 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.64 98.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 216.98 98.10 Td (had ) Tj ET Q q 0 0 0 rg BT 232.88 98.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 262.09 98.10 Td (net ) Tj ET Q q 0 0 0 rg BT 275.77 98.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 314.99 98.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 332.01 98.10 Td (carryovers ) Tj ET Q q 0 0 0 rg BT 375.67 98.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.46 98.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 404.42 98.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.31 98.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.16 98.10 Td (The ) Tj ET Q q 0 0 0 rg BT 454.17 98.10 Td (carryovers ) Tj ET Q q 0 0 0 rg BT 497.82 98.10 Td (were ) Tj ET Q q 0 0 0 rg BT 518.71 98.10 Td (transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.32 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.08 86.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 119.50 86.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 143.04 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.80 86.10 Td (mer) Tj ET Q q 0 0 0 rg BT 174.17 86.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 190.47 86.10 Td (with ) Tj ET Q q 0 0 0 rg BT 211.54 86.10 Td (The ) Tj ET Q q 0 0 0 rg BT 230.37 86.10 Td (W) Tj ET Q q 0 0 0 rg BT 239.41 86.10 Td (ilton ) Tj ET Q q 0 0 0 rg BT 261.28 86.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 288.17 86.10 Td (The ) Tj ET Q q 0 0 0 rg BT 307.26 86.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 334.69 86.10 Td (will ) Tj ET Q q 0 0 0 rg BT 353.79 86.10 Td (expire ) Tj ET Q q 0 0 0 rg BT 382.31 86.10 Td (after ) Tj ET Q q 0 0 0 rg BT 404.17 86.10 Td (2032 ) Tj ET Q q 0 0 0 rg BT 427.71 86.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.69 86.10 Td (are ) Tj ET Q q 0 0 0 rg BT 461.43 86.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 493.30 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.62 86.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 535.36 86.10 Td (annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 95.28 74.10 Td (which ) Tj ET Q q 0 0 0 rg BT 122.22 74.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 154.71 74.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.99 74.10 Td ($176 ) Tj ET Q q 0 0 0 rg BT 187.49 74.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.60 74.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.10 74.10 Td (per ) Tj ET Q q 0 0 0 rg BT 241.37 74.10 Td (annum.) 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 (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 125.61 742.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 165.11 742.10 Td (analyzes ) Tj ET Q q 0 0 0 rg BT 202.93 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 224.66 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 240.29 742.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 279.81 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.65 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.27 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 367.76 742.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.76 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.17 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 445.66 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 462.40 742.10 Td (established ) Tj ET Q q 0 0 0 rg BT 510.23 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 518.08 742.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 550.35 742.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 89.12 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 103.25 730.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 141.28 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.98 730.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 200.10 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 219.80 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.93 730.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 280.43 730.10 Td (out ) Tj ET Q q 0 0 0 rg BT 295.12 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.37 730.10 Td (state ) Tj ET Q q 0 0 0 rg BT 325.61 730.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 357.52 730.10 Td (activity) Tj ET Q q 0 0 0 rg BT 386.86 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 391.14 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 408.60 730.10 Td (total ) Tj ET Q q 0 0 0 rg BT 428.29 730.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 459.07 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 472.65 730.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 511.76 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 525.90 730.10 Td (positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.18 718.10 Td ($193 ) Tj ET Q q 0 0 0 rg BT 103.15 718.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.26 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 142.23 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 153.54 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.84 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 223.89 718.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.89 718.10 Td (. ) Tj ET Q q 0 0 0 rg BT 249.15 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 267.67 718.10 Td (taxyears ) Tj ET Q q 0 0 0 rg BT 306.45 718.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 329.42 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.83 718.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 394.24 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 409.42 718.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 440.72 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.47 718.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 503.87 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 516.84 718.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 547.56 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (state ) Tj ET Q q 0 0 0 rg BT 70.55 706.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 97.78 706.10 Td (authorities. ) Tj ET Q q 0 0 0 rg BT 144.56 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 162.33 706.10 Td (statute ) Tj ET Q q 0 0 0 rg BT 190.66 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.22 706.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 246.23 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 261.78 706.10 Td (expired ) Tj ET Q q 0 0 0 rg BT 294.00 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 306.23 706.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 344.27 706.10 Td (before ) Tj ET Q q 0 0 0 rg BT 372.03 706.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 396.76 706.10 Td (No ) Tj ET Q q 0 0 0 rg BT 411.21 706.10 Td (examinations ) Tj ET Q q 0 0 0 rg BT 466.76 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 481.20 706.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 519.52 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 529.52 706.10 Td (process.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 688.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.80 688.10 Td (following ) Tj ET Q q 0 0 0 rg BT 128.94 688.10 Td (table ) Tj ET Q q 0 0 0 rg BT 150.62 688.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 182.29 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.98 688.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 246.21 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.79 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.26 688.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 313.51 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.20 688.10 Td (ending ) Tj ET Q q 0 0 0 rg BT 359.66 688.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 396.34 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.92 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.39 688.10 Td (Company) Tj ET Q q 0 0 0 rg BT 463.05 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 469.19 688.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 508.65 688.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 523.12 688.10 Td (positions:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 659.6 m 444.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 659.6 m 448.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 659.6 m 503.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 659.6 m 507.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 659.6 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 389.5 659.6 m 444.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 647.6 m 444.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 659.6 m 448.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 659.6 m 503.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 647.6 m 503.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 659.6 m 507.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 659.6 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 507.5 647.6 m 562.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 607.6 m 444.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 607.6 m 503.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 607.6 m 562.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 594.6 m 444.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 592.6 m 444.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 594.6 m 503.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 592.6 m 503.5 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 594.6 m 562.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 592.6 m 562.5 592.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 663.68 Td (At December) Tj ET Q q 0 0 0 rg BT 492.01 663.68 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 651.68 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 651.68 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 651.68 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 451.15 639.68 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 626.17 Td (Balance, beginning of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.00 626.17 Td (..........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 626.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 626.17 Td (393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 626.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 626.17 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 626.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 626.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 612.17 Td (\(Reductions\) additions relating to potential liability with taxing authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 612.17 Td (..............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 612.22 Td (\(200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 612.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 612.17 Td (298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 612.17 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 598.17 Td (Balance, end of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.50 598.17 Td (.................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 598.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 598.17 Td (193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 598.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 598.17 Td (393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 598.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 598.17 Td (95) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 576.10 Td (13. ) Tj ET Q q 0 0 0 rg BT 68.00 576.10 Td (401\(K\) Pr) Tj ET Q q 0 0 0 rg BT 110.30 576.10 Td (ofit Sharing Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 558.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.28 558.10 Td (Company) Tj ET Q q 0 0 0 rg BT 128.95 558.10 Td (s ) Tj ET Q q 0 0 0 rg BT 134.57 558.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 179.07 558.10 Td (are ) Tj ET Q q 0 0 0 rg BT 193.01 558.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 224.74 558.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.25 558.10 Td (participate ) Tj ET Q q 0 0 0 rg BT 278.18 558.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.57 558.10 Td (The ) Tj ET Q q 0 0 0 rg BT 304.85 558.10 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 344.91 558.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 383.86 558.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 413.65 558.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 430.65 558.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.82 558.10 Td (its ) Tj ET Q q 0 0 0 rg BT 458.01 558.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 508.63 558.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.42 558.10 Td (Af) Tj ET Q q 0 0 0 rg BT 534.79 558.10 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 546.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 78.79 546.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 98.69 546.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 116.36 546.10 Td (401k ) Tj ET Q q 0 0 0 rg BT 142.93 546.10 Td (Plan\). ) Tj ET Q q 0 0 0 rg BT 172.94 546.10 Td (The ) Tj ET Q q 0 0 0 rg BT 190.62 546.10 Td (401k ) Tj ET Q q 0 0 0 rg BT 212.74 546.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 232.65 546.10 Td (covers ) Tj ET Q q 0 0 0 rg BT 260.87 546.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 313.55 546.10 Td (all ) Tj ET Q q 0 0 0 rg BT 325.67 546.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 370.56 546.10 Td (who ) Tj ET Q q 0 0 0 rg BT 389.90 546.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.24 546.10 Td (at ) Tj ET Q q 0 0 0 rg BT 413.58 546.10 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.03 546.10 Td (21 ) Tj ET Q q 0 0 0 rg BT 446.16 546.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.25 546.10 Td ( ) Tj ET Q q 0 0 0 rg BT 469.38 546.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.83 546.10 Td (age. ) Tj ET Q q 0 0 0 rg BT 498.34 546.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 525.45 546.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.80 546.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.87 534.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.63 534.10 Td (401k ) Tj ET Q q 0 0 0 rg BT 98.16 534.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 120.98 534.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 170.17 534.10 Td (can ) Tj ET Q q 0 0 0 rg BT 186.59 534.10 Td (contribute ) Tj ET Q q 0 0 0 rg BT 229.67 534.10 Td (up ) Tj ET Q q 0 0 0 rg BT 242.21 534.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.52 534.10 Td (a ) Tj ET Q q 0 0 0 rg BT 259.50 534.10 Td (certainpercentage ) Tj ET Q q 0 0 0 rg BT 335.04 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.91 534.10 Td (their ) Tj ET Q q 0 0 0 rg BT 366.78 534.10 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 427.36 534.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 458.22 534.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.54 534.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 498.83 534.10 Td (limitations. ) Tj ET Q q 0 0 0 rg BT 546.47 534.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.59 522.10 Td (matches ) Tj ET Q q 0 0 0 rg BT 127.06 522.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 159.76 522.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 215.24 522.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.39 522.10 Td (may ) Tj ET Q q 0 0 0 rg BT 252.31 522.10 Td (make ) Tj ET Q q 0 0 0 rg BT 276.67 522.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 331.58 522.10 Td (matching ) Tj ET Q q 0 0 0 rg BT 371.50 522.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 399.75 522.10 Td (profit ) Tj ET Q q 0 0 0 rg BT 424.67 522.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 456.82 522.10 Td (contributions. ) Tj ET Q q 0 0 0 rg BT 514.80 522.10 Td (Participants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 510.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.39 510.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 116.56 510.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 144.29 510.10 Td (in ) Tj ET Q q 0 0 0 rg BT 154.26 510.10 Td (their ) Tj ET Q q 0 0 0 rg BT 174.77 510.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 229.73 510.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.35 510.10 Td (become ) Tj ET Q q 0 0 0 rg BT 279.63 510.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 300.70 510.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 328.43 510.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.40 510.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.80 510.10 Td (Company) Tj ET Q q 0 0 0 rg BT 394.46 510.10 Td (s ) Tj ET Q q 0 0 0 rg BT 400.54 510.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 455.50 510.10 Td (after ) Tj ET Q q 0 0 0 rg BT 476.00 510.10 Td (completing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.17 510.10 Td (five ) Tj ET Q q 0 0 0 rg BT 540.91 510.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 498.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.07 498.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 94.42 498.10 Td (The ) Tj ET Q q 0 0 0 rg BT 112.71 498.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 154.33 498.10 Td (expensed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.27 498.10 Td ($265 ) Tj ET Q q 0 0 0 rg BT 217.01 498.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.12 498.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.35 498.10 Td ($257 ) Tj ET Q q 0 0 0 rg BT 281.09 498.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.20 498.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.94 498.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.11 498.10 Td ($227 ) Tj ET Q q 0 0 0 rg BT 359.85 498.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.96 498.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.69 498.10 Td (related ) Tj ET Q q 0 0 0 rg BT 428.63 498.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.15 498.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.10 498.10 Td (401k ) Tj ET Q q 0 0 0 rg BT 476.84 498.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 497.35 498.10 Td (during ) Tj ET Q q 0 0 0 rg BT 526.20 498.10 Td (theyears ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 486.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.38 486.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.96 486.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.96 486.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.96 486.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.96 486.10 Td ( ) Tj ET Q q 0 0 0 rg BT 182.46 486.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.40 486.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.40 486.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.40 486.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 272.06 486.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 468.10 Td (14. ) Tj ET Q q 0 0 0 rg BT 68.00 468.10 Td (Earnings Per) Tj ET Q q 0 0 0 rg BT 124.21 468.10 Td ( Shar) Tj ET Q q 0 0 0 rg BT 147.09 468.10 Td (e \(EPS\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 450.10 Td (Unvested ) Tj ET Q q 0 0 0 rg BT 109.58 450.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 148.59 450.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 171.51 450.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 201.65 450.10 Td (that ) Tj ET Q q 0 0 0 rg BT 218.45 450.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 249.70 450.10 Td (non-forfeitable ) Tj ET Q q 0 0 0 rg BT 311.48 450.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 336.07 450.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.66 450.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 388.86 450.10 Td (are ) Tj ET Q q 0 0 0 rg BT 402.88 450.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 455.22 450.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 497.30 450.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.55 450.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.57 450.10 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 438.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.28 438.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.01 438.10 Td (computation ) Tj ET Q q 0 0 0 rg BT 124.50 438.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.34 438.10 Td (EPS ) Tj ET Q q 0 0 0 rg BT 153.08 438.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 189.02 438.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.31 438.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.03 438.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 251.31 438.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 285.20 438.10 Td (The ) Tj ET Q q 0 0 0 rg BT 302.25 438.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 341.53 438.10 Td (method ) Tj ET Q q 0 0 0 rg BT 373.03 438.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.20 438.10 Td (an ) Tj ET Q q 0 0 0 rg BT 392.15 438.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 427.53 438.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 468.47 438.10 Td (formula ) Tj ET Q q 0 0 0 rg BT 501.63 438.10 Td (that ) Tj ET Q q 0 0 0 rg BT 518.13 438.10 Td (determines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 426.10 Td (EPS ) Tj ET Q q 0 0 0 rg BT 69.22 426.10 Td (for ) Tj ET Q q 0 0 0 rg BT 82.87 426.10 Td (each ) Tj ET Q q 0 0 0 rg BT 103.18 426.10 Td (class ) Tj ET Q q 0 0 0 rg BT 124.61 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.93 426.10 Td (common ) Tj ET Q q 0 0 0 rg BT 171.92 426.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 195.02 426.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.45 426.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 263.98 426.10 Td (security ) Tj ET Q q 0 0 0 rg BT 297.62 426.10 Td (according ) Tj ET Q q 0 0 0 rg BT 339.04 426.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.81 426.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 389.68 426.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 425.54 426.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 439.19 426.10 Td (accumulated\) ) Tj ET Q q 0 0 0 rg BT 495.04 426.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.47 426.10 Td (participation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 414.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 75.28 414.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.56 414.10 Td (undistributed ) Tj ET Q q 0 0 0 rg BT 140.83 414.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 179.53 414.10 Td (The ) Tj ET Q q 0 0 0 rg BT 197.57 414.10 Td (Company) Tj ET Q q 0 0 0 rg BT 239.24 414.10 Td (s ) Tj ET Q q 0 0 0 rg BT 245.63 414.10 Td (unvested ) Tj ET Q q 0 0 0 rg BT 283.68 414.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 323.38 414.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 346.99 414.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 377.81 414.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 408.63 414.10 Td (as ) Tj ET Q q 0 0 0 rg BT 419.46 414.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 472.50 414.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 396.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 86.61 396.10 Td (income ) Tj ET Q q 0 0 0 rg BT 118.21 396.10 Td (is ) Tj ET Q q 0 0 0 rg BT 127.05 396.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 165.30 396.10 Td (between ) Tj ET Q q 0 0 0 rg BT 200.79 396.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.17 396.10 Td (common ) Tj ET Q q 0 0 0 rg BT 252.33 396.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 275.61 396.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.22 396.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 344.92 396.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 384.85 396.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 421.46 396.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.41 396.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.79 396.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 485.73 396.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 520.39 396.10 Td (Basic ) Tj ET Q q 0 0 0 rg BT 544.78 396.10 Td (EPS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.10 Td (is ) Tj ET Q q 0 0 0 rg BT 60.36 384.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 103.48 384.10 Td (by ) Tj ET Q q 0 0 0 rg BT 117.17 384.10 Td (dividing ) Tj ET Q q 0 0 0 rg BT 154.19 384.10 Td (net ) Tj ET Q q 0 0 0 rg BT 170.10 384.10 Td (income ) Tj ET Q q 0 0 0 rg BT 203.22 384.10 Td (available ) Tj ET Q q 0 0 0 rg BT 242.99 384.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.46 384.10 Td (common ) Tj ET Q q 0 0 0 rg BT 293.14 384.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 347.37 384.10 Td (by ) Tj ET Q q 0 0 0 rg BT 361.06 384.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.96 384.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 417.30 384.10 Td (average ) Tj ET Q q 0 0 0 rg BT 452.08 384.10 Td (number ) Tj ET Q q 0 0 0 rg BT 486.31 384.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.33 384.10 Td (common ) Tj ET Q q 0 0 0 rg BT 537.01 384.10 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.17 372.10 Td (during ) Tj ET Q q 0 0 0 rg BT 127.77 372.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.49 372.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 173.04 372.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 214.97 372.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 268.01 372.10 Td (unvested ) Tj ET Q q 0 0 0 rg BT 306.05 372.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 345.76 372.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 369.37 372.10 Td (awards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 354.10 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 102.13 354.10 Td (EPS ) Tj ET Q q 0 0 0 rg BT 121.49 354.10 Td (is ) Tj ET Q q 0 0 0 rg BT 130.29 354.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 171.86 354.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.77 354.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.33 354.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 218.24 354.10 Td (manner) Tj ET Q q 0 0 0 rg BT 247.82 354.10 Td (, ) Tj ET Q q 0 0 0 rg BT 252.46 354.10 Td (except ) Tj ET Q q 0 0 0 rg BT 280.68 354.10 Td (that ) Tj ET Q q 0 0 0 rg BT 297.81 354.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.16 354.10 Td (denominator ) Tj ET Q q 0 0 0 rg BT 364.83 354.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 400.29 354.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.63 354.10 Td (number ) Tj ET Q q 0 0 0 rg BT 447.31 354.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.77 354.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 499.90 354.10 Td (common ) Tj ET Q q 0 0 0 rg BT 537.02 354.10 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 342.10 Td (would ) Tj ET Q q 0 0 0 rg BT 95.00 342.10 Td (have ) Tj ET Q q 0 0 0 rg BT 116.37 342.10 Td (been ) Tj ET Q q 0 0 0 rg BT 137.75 342.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 186.91 342.10 Td (if ) Tj ET Q q 0 0 0 rg BT 195.52 342.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 240.79 342.10 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 273.84 342.10 Td (common ) Tj ET Q q 0 0 0 rg BT 311.34 342.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 338.83 342.10 Td (were ) Tj ET Q q 0 0 0 rg BT 360.76 342.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 388.26 342.10 Td (using ) Tj ET Q q 0 0 0 rg BT 412.43 342.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.14 342.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 461.85 342.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 485.46 342.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 324.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.87 324.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.08 324.10 Td (is ) Tj ET Q q 0 0 0 rg BT 138.07 324.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.83 324.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 202.13 324.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.79 324.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 248.99 324.10 Td (available ) Tj ET Q q 0 0 0 rg BT 287.40 324.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.50 324.10 Td (common ) Tj ET Q q 0 0 0 rg BT 334.82 324.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 387.68 324.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.44 324.10 Td (basic ) Tj ET Q q 0 0 0 rg BT 427.31 324.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 466.29 324.10 Td (average ) Tj ET Q q 0 0 0 rg BT 499.70 324.10 Td (common ) Tj ET Q q 0 0 0 rg BT 537.02 324.10 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 312.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.17 312.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.44 312.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 139.72 312.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 178.87 312.10 Td (average ) Tj ET Q q 0 0 0 rg BT 212.46 312.10 Td (common ) Tj ET Q q 0 0 0 rg BT 249.95 312.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 277.44 312.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 329.11 312.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 369.92 312.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.63 312.10 Td (application ) Tj ET Q q 0 0 0 rg BT 431.56 312.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.39 312.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.11 312.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 497.38 312.10 Td (method:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 282.6 m 444.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 282.6 m 448.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 282.6 m 503.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 282.6 m 507.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 282.6 m 562.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 282.6 m 444.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 269.6 m 444.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 282.6 m 448.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 282.6 m 503.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 269.6 m 503.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 282.6 m 507.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 282.6 m 562.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 269.6 m 562.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 211.60000000000002 m 444.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 211.60000000000002 m 503.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 211.60000000000002 m 562.5 211.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 197.60000000000002 m 444.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 195.60000000000002 m 444.5 195.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 197.60000000000002 m 503.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 195.60000000000002 m 503.5 195.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 197.60000000000002 m 562.5 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 195.60000000000002 m 562.5 195.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 166.60000000000002 m 444.5 166.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 166.60000000000002 m 503.5 166.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 166.60000000000002 m 562.5 166.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 416.25 286.83 Td (For) Tj ET Q q 0 0 0 rg BT 428.62 286.83 Td ( the ) Tj ET Q q 0 0 0 rg BT 443.06 286.83 Td (Y) Tj ET Q q 0 0 0 rg BT 448.24 286.83 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 522.82 286.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 273.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 273.83 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 273.83 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 414.15 260.83 Td (\(In thousands, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 246.27 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 246.17 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 246.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 246.27 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 246.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 246.27 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 246.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 246.27 Td (12,350) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 231.27 Td (Dividends to participating securities) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 197.69 235.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.00 231.17 Td (........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 231.32 Td (\(51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 231.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.30 231.32 Td (\(28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 231.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 231.32 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 231.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 216.27 Td (Undistributed earnings allocated to participating securities) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 286.54 220.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 216.17 Td (....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 216.32 Td (\(178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 216.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 216.32 Td (\(151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 216.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 216.32 Td (\(21) Tj ET Q q 0 0 0 rg BT 553.63 216.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 216.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 201.27 Td (Net income for earnings per share calculation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.00 201.17 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 201.27 Td (17,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 201.27 Td (13,651) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 201.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 201.27 Td (12,1) Tj ET Q q 0 0 0 rg BT 548.65 201.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 186.27 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 186.27 Td (eighted average shares outstanding, basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.50 186.17 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 186.27 Td (7,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 186.27 Td (7,572) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 186.27 Td (7,396) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 171.27 Td (Ef) Tj ET Q q 0 0 0 rg BT 62.26 171.27 Td (fect of dilutive equity-based awards) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 205.54 175.80 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.50 171.17 Td (.....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 171.27 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 171.27 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 171.27 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 156.27 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 156.27 Td (eighted average shares outstanding, diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.00 156.17 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 156.27 Td (7,775) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 156.27 Td (7,670) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 156.27 Td (7,491) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 141.27 Td (Net earnings per common share:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 126.27 Td (Basic earnings per common share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.00 126.17 Td (............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 126.27 Td (2.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 126.27 Td (1.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 126.27 Td (1.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 111.27 Td (Diluted earnings per common share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.50 111.17 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 111.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 111.27 Td (2.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 111.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 111.27 Td (1.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 111.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 111.27 Td (1.62) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 91.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 68.00 91.50 Td (Represents ) Tj ET Q q 0 0 0 rg BT 105.10 91.50 Td (dividends ) Tj ET Q q 0 0 0 rg BT 138.21 91.50 Td (paid ) Tj ET Q q 0 0 0 rg BT 153.98 91.50 Td (and ) Tj ET Q q 0 0 0 rg BT 167.54 91.50 Td (undistributed ) Tj ET Q q 0 0 0 rg BT 211.75 91.50 Td (earnings ) Tj ET Q q 0 0 0 rg BT 240.86 91.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 271.73 91.50 Td (to ) Tj ET Q q 0 0 0 rg BT 279.95 91.50 Td (unvested ) Tj ET Q q 0 0 0 rg BT 310.39 91.50 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 350.15 91.50 Td (awards ) Tj ET Q q 0 0 0 rg BT 374.81 91.50 Td (that ) Tj ET Q q 0 0 0 rg BT 388.80 91.50 Td (contain ) Tj ET Q q 0 0 0 rg BT 414.35 91.50 Td (non-forfeitable ) Tj ET Q q 0 0 0 rg BT 464.33 91.50 Td (rights ) Tj ET Q q 0 0 0 rg BT 484.55 91.50 Td (to ) Tj ET Q q 0 0 0 rg BT 492.77 91.50 Td (dividends.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 75.90 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 68.00 75.90 Td (Represents ) Tj ET Q q 0 0 0 rg BT 105.33 75.90 Td (the ) Tj ET Q q 0 0 0 rg BT 117.33 75.90 Td (ef) Tj ET Q q 0 0 0 rg BT 123.40 75.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 137.61 75.90 Td (of ) Tj ET Q q 0 0 0 rg BT 146.50 75.90 Td (the ) Tj ET Q q 0 0 0 rg BT 158.50 75.90 Td (assumed ) Tj ET Q q 0 0 0 rg BT 188.28 75.90 Td (exercise ) Tj ET Q q 0 0 0 rg BT 216.71 75.90 Td (of ) Tj ET Q q 0 0 0 rg BT 225.60 75.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 244.71 75.90 Td (options ) Tj ET Q q 0 0 0 rg BT 270.50 75.90 Td (and ) Tj ET Q q 0 0 0 rg BT 284.28 75.90 Td (warrants ) Tj ET Q q 0 0 0 rg BT 314.05 75.90 Td (and ) Tj ET Q q 0 0 0 rg BT 327.82 75.90 Td (the ) Tj ET Q q 0 0 0 rg BT 339.82 75.90 Td (vesting ) Tj ET Q q 0 0 0 rg BT 365.16 75.90 Td (of ) Tj ET Q q 0 0 0 rg BT 374.05 75.90 Td (restricted ) Tj ET Q q 0 0 0 rg BT 406.04 75.90 Td (shares, ) Tj ET Q q 0 0 0 rg BT 430.26 75.90 Td (as ) Tj ET Q q 0 0 0 rg BT 439.15 75.90 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 476.25 75.90 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 505.14 75.90 Td (the ) Tj ET Q q 0 0 0 rg BT 517.14 75.90 Td (treasury ) Tj ET Q q 0 0 0 rg BT 545.13 75.90 Td (stock ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 66.30 Td (method.) 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 (97) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (15. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Stock Based Compensation Plans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Equity award plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.06 706.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.46 706.25 Td (has ) Tj ET Q q 0 0 0 rg BT 142.31 706.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 164.93 706.25 Td (options ) Tj ET Q q 0 0 0 rg BT 195.90 706.25 Td (or ) Tj ET Q q 0 0 0 rg BT 205.74 706.25 Td (unvested ) Tj ET Q q 0 0 0 rg BT 242.80 706.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 281.52 706.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 304.14 706.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 352.32 706.25 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.61 706.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.59 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 398.11 706.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.62 706.25 Td (award ) Tj ET Q q 0 0 0 rg BT 450.56 706.25 Td (plans, ) Tj ET Q q 0 0 0 rg BT 475.69 706.25 Td (which ) Tj ET Q q 0 0 0 rg BT 501.64 706.25 Td (are ) Tj ET Q q 0 0 0 rg BT 515.36 706.25 Td (collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 84.86 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.87 694.25 Td (as ) Tj ET Q q 0 0 0 rg BT 107.43 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.87 694.25 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 155.02 694.25 Td (The ) Tj ET Q q 0 0 0 rg BT 173.79 694.25 Td (current ) Tj ET Q q 0 0 0 rg BT 205.34 694.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 225.78 694.25 Td (under ) Tj ET Q q 0 0 0 rg BT 251.78 694.25 Td (which ) Tj ET Q q 0 0 0 rg BT 279.44 694.25 Td (any ) Tj ET Q q 0 0 0 rg BT 297.11 694.25 Td (future ) Tj ET Q q 0 0 0 rg BT 324.21 694.25 Td (issuances ) Tj ET Q q 0 0 0 rg BT 365.21 694.25 Td (of ) Tj 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 503.42 Td (47,050) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 503.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 503.42 Td (17.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 488.42 Td (Exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.00 488.32 Td (..........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.80 488.47 Td (\(28,020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 488.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 488.42 Td (19.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 473.42 Td (Options outstanding at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.00 473.32 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 473.42 Td (19,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 473.42 Td (15.91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 443.42 Td (Options exercisable at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.00 443.32 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 443.42 Td (19,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 443.42 Td (15.91) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 421.25 Td (Intrinsic ) Tj ET Q q 0 0 0 rg BT 106.00 421.25 Td (value ) Tj ET Q q 0 0 0 rg BT 130.33 421.25 Td (is ) Tj ET Q q 0 0 0 rg BT 139.67 421.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.57 421.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 187.24 421.25 Td (by ) Tj ET Q q 0 0 0 rg BT 199.91 421.25 Td (which ) Tj ET Q q 0 0 0 rg BT 227.02 421.25 Td (the ) Tj ET Q q 0 0 0 rg BT 241.92 421.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 258.47 421.25 Td (value ) Tj ET Q q 0 0 0 rg BT 282.80 421.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.80 421.25 Td (the ) Tj ET Q q 0 0 0 rg BT 308.69 421.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 354.69 421.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 378.48 421.25 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 412.80 421.25 Td (the ) Tj ET Q q 0 0 0 rg BT 427.69 421.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 463.12 421.25 Td (price ) Tj ET Q q 0 0 0 rg BT 485.78 421.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.78 421.25 Td (an ) Tj ET Q q 0 0 0 rg BT 508.90 421.25 Td (option ) Tj ET Q q 0 0 0 rg BT 537.13 421.25 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 421.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 85.06 409.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 106.35 409.25 Td (The ) Tj ET Q q 0 0 0 rg BT 124.21 409.25 Td (total ) Tj ET Q q 0 0 0 rg BT 144.29 409.25 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 179.37 409.25 Td (value ) Tj ET Q q 0 0 0 rg BT 203.33 409.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.96 409.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 237.38 409.25 Td (options ) Tj ET Q q 0 0 0 rg BT 269.13 409.25 Td (exercised ) Tj ET Q q 0 0 0 rg BT 309.19 409.25 Td (during ) Tj ET Q q 0 0 0 rg BT 337.61 409.25 Td (theyears ) Tj ET Q q 0 0 0 rg BT 375.73 409.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.91 409.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 460.30 409.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.30 409.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.11 409.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.11 409.25 Td ( ) Tj ET Q q 0 0 0 rg BT 507.42 409.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.16 409.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.16 409.25 Td ( ) Tj ET Q q 0 0 0 rg BT 546.47 409.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 70.00 397.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 397.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.89 397.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 123.89 397.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.78 397.25 Td ( ) Tj ET Q q 0 0 0 rg BT 155.28 397.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.22 397.25 Td ($0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.72 397.25 Td ( ) Tj ET Q q 0 0 0 rg BT 192.22 397.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 226.11 397.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 273.77 397.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 379.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.21 379.25 Td (range ) Tj ET Q q 0 0 0 rg BT 113.07 379.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.06 379.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 159.47 379.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 186.01 379.25 Td (for ) Tj ET Q q 0 0 0 rg BT 200.33 379.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.20 379.25 Td (19,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.70 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 245.36 379.25 Td (options ) Tj ET Q q 0 0 0 rg BT 277.47 379.25 Td (exercisable ) Tj ET Q q 0 0 0 rg BT 325.10 379.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.97 379.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 393.72 379.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.72 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 416.37 379.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.58 379.25 Td ($1) Tj ET Q q 0 0 0 rg BT 444.21 379.25 Td (1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.71 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 464.37 379.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.81 379.25 Td ($17.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.31 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 504.97 379.25 Td (per ) Tj ET Q q 0 0 0 rg BT 520.40 379.25 Td (share. ) Tj ET Q q 0 0 0 rg BT 546.46 379.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 89.04 367.25 Td (average ) Tj ET Q q 0 0 0 rg BT 122.52 367.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 165.45 367.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 212.26 367.25 Td (life ) Tj ET Q q 0 0 0 rg BT 227.97 367.25 Td (for ) Tj ET Q q 0 0 0 rg BT 242.02 367.25 Td (these ) Tj ET Q q 0 0 0 rg BT 264.96 367.25 Td (options ) Tj ET Q q 0 0 0 rg BT 296.79 367.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.73 367.25 Td (3.2 ) Tj ET Q q 0 0 0 rg BT 329.62 367.25 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.72 367.25 Td ( ) Tj ET Q q 0 0 0 rg BT 353.11 367.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.72 367.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 421.19 367.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.19 367.25 Td (. ) Tj ET Q q 0 0 0 rg BT 445.55 367.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.94 367.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 516.42 367.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.42 367.25 Td (, ) Tj ET Q q 0 0 0 rg BT 541.30 367.25 Td (as ) Tj ET Q q 0 0 0 rg BT 552.02 367.25 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (awarded ) Tj ET Q q 0 0 0 rg BT 86.06 355.25 Td (options ) Tj ET Q q 0 0 0 rg BT 117.70 355.25 Td (have ) Tj ET Q q 0 0 0 rg BT 138.76 355.25 Td (vested, ) Tj ET Q q 0 0 0 rg BT 169.00 355.25 Td (all ) Tj ET Q q 0 0 0 rg BT 181.18 355.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.70 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.11 355.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 254.97 355.25 Td (options ) Tj ET Q q 0 0 0 rg BT 286.60 355.25 Td (are ) Tj ET Q q 0 0 0 rg BT 301.00 355.25 Td (exercisable, ) Tj ET Q q 0 0 0 rg BT 350.66 355.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.29 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.70 355.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 422.75 355.25 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 457.71 355.25 Td (value ) Tj ET Q q 0 0 0 rg BT 481.56 355.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.08 355.25 Td (these ) Tj ET Q q 0 0 0 rg BT 514.81 355.25 Td (options ) Tj ET Q q 0 0 0 rg BT 546.45 355.25 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td ($0.2 ) Tj ET Q q 0 0 0 rg BT 70.00 343.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 343.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 325.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.73 325.25 Td (following ) Tj ET Q q 0 0 0 rg BT 128.80 325.25 Td (table ) Tj ET Q q 0 0 0 rg BT 150.42 325.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 200.36 325.25 Td (information ) Tj ET Q q 0 0 0 rg BT 249.76 325.25 Td (for ) Tj ET Q q 0 0 0 rg BT 263.60 325.25 Td (options, ) Tj ET Q q 0 0 0 rg BT 297.73 325.25 Td (all ) Tj ET Q q 0 0 0 rg BT 309.91 325.25 Td (of ) Tj ET Q q 0 0 0 rg BT 320.42 325.25 Td (which ) Tj ET Q q 0 0 0 rg BT 347.04 325.25 Td (are ) Tj ET Q q 0 0 0 rg BT 361.43 325.25 Td (both ) Tj ET Q q 0 0 0 rg BT 381.39 325.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 430.24 325.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.86 325.25 Td (exercisable, ) Tj ET Q q 0 0 0 rg BT 496.51 325.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.91 325.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 313.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 251.75 m 355.5 251.75 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 251.75 m 359.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 251.75 m 424.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 251.75 m 493.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 251.75 m 562.5 251.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 255.98 Td (Range of Exer) Tj ET Q q 0 0 0 rg BT 101.73 255.98 Td (cise Prices) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.00 263.98 Td (Number) Tj ET Q q 0 0 0 rg BT 401.30 263.98 Td ( of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 380.00 255.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 396.30 255.98 Td (es) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 442.90 287.98 Td (W) Tj ET Q q 0 0 0 rg BT 450.46 287.98 Td (eighted-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.55 279.98 Td (A) Tj ET Q q 0 0 0 rg BT 451.73 279.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.80 271.98 Td (Remaining) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.90 263.98 Td (Contractual Life) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.70 255.98 Td (\(years\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.90 271.98 Td (W) Tj ET Q q 0 0 0 rg BT 519.46 271.98 Td (eighted-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.55 263.98 Td (A) Tj ET Q q 0 0 0 rg BT 520.73 263.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 505.25 255.98 Td (Exer) Tj ET Q q 0 0 0 rg BT 521.54 255.98 Td (cise Price) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 241.42 Td ($1) Tj ET Q q 0 0 0 rg BT 62.63 241.42 Td (1.0017.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.50 241.32 Td (.................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 241.42 Td (19,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.50 241.42 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 241.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 241.42 Td (15.91) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 219.25 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 113.50 219.25 Td (stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.05 219.25 Td (:Restricted ) Tj ET Q q 0 0 0 rg BT 187.83 219.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 211.91 219.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 249.31 219.25 Td (grantees ) Tj ET Q q 0 0 0 rg BT 285.59 219.25 Td (with ) Tj ET Q q 0 0 0 rg BT 306.33 219.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 332.07 219.25 Td (to ) Tj ET Q q 0 0 0 rg BT 342.81 219.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 370.76 219.25 Td (of ) Tj ET Q q 0 0 0 rg BT 382.06 219.25 Td (common ) Tj ET Q q 0 0 0 rg BT 420.01 219.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 444.08 219.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 467.05 219.25 Td (completion ) Tj ET Q q 0 0 0 rg BT 515.00 219.25 Td (of ) Tj ET Q q 0 0 0 rg BT 526.29 219.25 Td (a ) Tj ET Q q 0 0 0 rg BT 533.70 219.25 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 80.13 207.25 Td (Shares ) Tj ET Q q 0 0 0 rg BT 108.87 207.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.28 207.25 Td (unvested ) Tj ET Q q 0 0 0 rg BT 156.91 207.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 196.19 207.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 219.38 207.25 Td (are ) Tj ET Q q 0 0 0 rg BT 233.67 207.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 279.07 207.25 Td (participating ) Tj ET Q q 0 0 0 rg BT 331.69 207.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 374.03 207.25 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 416.66 207.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 439.85 207.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 470.25 207.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 509.53 207.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 527.72 207.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.57 207.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.28 195.25 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 195.25 Td (years.) 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 301.00 31.60 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 151.37 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 186.64 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.35 742.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 233.84 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 248.00 742.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 287.71 742.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 311.31 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 325.47 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.19 742.10 Td (year ) Tj ET Q q 0 0 0 rg BT 359.90 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.27 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 444.86 742.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.86 742.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 712.6 m 487.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 712.6 m 501.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 712.6 m 562.5 712.6 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 487.5 675.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 675.6 m 501.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 712.6 m 562.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 675.6 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 426.5 615.6 m 487.5 615.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 615.6 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 426.5 601.6 m 487.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 599.6 m 487.5 599.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.75 716.83 Td (December) Tj ET Q q 0 0 0 rg BT 496.25 716.83 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.00 687.83 Td (Number) Tj ET Q q 0 0 0 rg BT 466.30 687.83 Td ( of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 445.00 679.83 Td (Shar) Tj ET Q q 0 0 0 rg BT 461.30 679.83 Td (es) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.25 703.83 Td (W) Tj ET Q q 0 0 0 rg BT 522.81 703.83 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 517.55 695.83 Td (A) Tj ET Q q 0 0 0 rg BT 522.73 695.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.05 687.83 Td (Grant Date) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 513.65 679.83 Td (Fair) Tj ET Q q 0 0 0 rg BT 528.17 679.83 Td ( ) Tj ET Q q 0 0 0 rg BT 530.02 679.83 Td (V) Tj ET Q q 0 0 0 rg BT 535.06 679.83 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 665.27 Td (Unvested at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.00 665.17 Td (................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 665.27 Td (75,186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.00 665.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 665.27 Td (26.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 650.27 Td (Granted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.00 650.17 Td (....................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 650.27 Td (44,300) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 490.00 655.43 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 650.27 Td (32.81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 635.27 Td (V) Tj ET Q q 0 0 0 rg BT 65.67 635.27 Td (ested) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 635.17 Td (......................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 635.32 Td (\(37,989) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 635.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 635.27 Td (24.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 620.27 Td (Forfeited) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.00 620.17 Td (..................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 620.32 Td (\(3,873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 620.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 620.27 Td (27.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 605.27 Td (Unvested at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 605.17 Td (..........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 605.27 Td (77,624) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 605.27 Td (30.78) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 68.00 584.30 Td (Includes ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 100.74 584.30 Td (1) Tj ET Q q 0 0 0 rg BT 104.91 584.30 Td (1,250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.16 584.30 Td ( shares of performance based restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 560.30 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 560.30 Td (total ) Tj ET Q q 0 0 0 rg BT 108.32 560.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 124.70 560.30 Td (value ) Tj ET Q q 0 0 0 rg BT 148.85 560.30 Td (of ) Tj ET Q q 0 0 0 rg BT 159.68 560.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 199.38 560.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 222.99 560.30 Td (awards ) Tj ET Q q 0 0 0 rg BT 253.81 560.30 Td (vested ) Tj ET Q q 0 0 0 rg BT 281.86 560.30 Td (during ) Tj ET Q q 0 0 0 rg BT 310.47 560.30 Td (the ) Tj ET Q q 0 0 0 rg BT 325.19 560.30 Td (year ) Tj ET Q q 0 0 0 rg BT 344.89 560.30 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.27 560.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 429.85 560.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.85 560.30 Td ( ) Tj ET Q q 0 0 0 rg BT 452.35 560.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.41 560.30 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 490.41 560.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.30 560.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 542.30 Td (The ) Tj ET Q q 0 0 0 rg BT 88.93 542.30 Td (Company) Tj ET Q q 0 0 0 rg BT 130.59 542.30 Td (s ) Tj ET Q q 0 0 0 rg BT 137.86 542.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 178.44 542.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 202.93 542.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 238.52 542.30 Td (for ) Tj ET Q q 0 0 0 rg BT 253.55 542.30 Td (theyears ) Tj ET Q q 0 0 0 rg BT 292.75 542.30 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.00 542.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 379.47 542.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.47 542.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.35 542.30 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.35 542.30 Td ( ) Tj ET Q q 0 0 0 rg BT 428.73 542.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.54 542.30 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.54 542.30 Td ( ) Tj ET Q q 0 0 0 rg BT 469.92 542.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.85 542.30 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 509.73 542.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.62 542.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.50 542.30 Td ($0.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 530.30 Td ( ) Tj ET Q q 0 0 0 rg BT 80.83 530.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.21 530.30 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 116.64 530.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.53 530.30 Td (, ) Tj ET Q q 0 0 0 rg BT 149.97 530.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 197.63 530.30 Td (. ) Tj ET Q q 0 0 0 rg BT 201.64 530.30 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.58 530.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 271.60 530.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.60 530.30 Td ( ) Tj ET Q q 0 0 0 rg BT 293.54 530.30 Td (there ) Tj ET Q q 0 0 0 rg BT 315.46 530.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.95 530.30 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 352.39 530.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.28 530.30 Td ( ) Tj ET Q q 0 0 0 rg BT 383.22 530.30 Td (of ) Tj ET Q q 0 0 0 rg BT 393.49 530.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 449.29 530.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 472.33 530.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 529.81 530.30 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.30 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 518.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 103.86 518.30 Td (stock, ) Tj ET Q q 0 0 0 rg BT 129.97 518.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 168.00 518.30 Td (to ) Tj ET Q q 0 0 0 rg BT 178.28 518.30 Td (be ) Tj ET Q q 0 0 0 rg BT 190.22 518.30 Td (recognized ) Tj ET Q q 0 0 0 rg BT 236.58 518.30 Td (over ) Tj ET Q q 0 0 0 rg BT 256.85 518.30 Td (a ) Tj ET Q q 0 0 0 rg BT 263.79 518.30 Td (weighted ) Tj ET Q q 0 0 0 rg BT 302.94 518.30 Td (average ) Tj ET Q q 0 0 0 rg BT 336.53 518.30 Td (period ) Tj ET Q q 0 0 0 rg BT 364.58 518.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.41 518.30 Td (1.7 ) Tj ET Q q 0 0 0 rg BT 390.41 518.30 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 518.30 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 500.30 Td (Performance ) Tj ET Q q 0 0 0 rg BT 125.66 500.30 Td (based ) Tj ET Q q 0 0 0 rg BT 152.43 500.30 Td (r) Tj ET Q q 0 0 0 rg BT 155.96 500.30 Td (estricted ) Tj ET Q q 0 0 0 rg BT 193.84 500.30 Td (stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.38 500.30 Td (:On ) Tj ET Q q 0 0 0 rg BT 240.33 500.30 Td (February ) Tj ET Q q 0 0 0 rg BT 279.88 500.30 Td (20, ) Tj ET Q q 0 0 0 rg BT 295.83 500.30 Td (2018, ) Tj ET Q q 0 0 0 rg BT 321.78 500.30 Td (the ) Tj ET Q q 0 0 0 rg BT 337.44 500.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 379.78 500.30 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.23 500.30 Td (1) Tj ET Q q 0 0 0 rg BT 412.86 500.30 Td (1,250) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.36 500.30 Td ( ) Tj ET Q q 0 0 0 rg BT 438.81 500.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 467.24 500.30 Td (of ) Tj ET Q q 0 0 0 rg BT 479.02 500.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 519.67 500.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 544.23 500.30 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 103.34 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 120.59 488.30 Td (service ) Tj ET Q q 0 0 0 rg BT 151.72 488.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 196.20 488.30 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 233.45 488.30 Td (to ) Tj ET Q q 0 0 0 rg BT 244.04 488.30 Td (the ) Tj ET Q q 0 0 0 rg BT 259.07 488.30 Td (Company) Tj ET Q q 0 0 0 rg BT 300.74 488.30 Td (s ) Tj ET Q q 0 0 0 rg BT 307.44 488.30 Td (2012 ) Tj ET Q q 0 0 0 rg BT 330.26 488.30 Td (Stock ) Tj ET Q q 0 0 0 rg BT 355.85 488.30 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 378.74 488.30 Td (The ) Tj ET Q q 0 0 0 rg BT 397.10 488.30 Td (awards ) Tj ET Q q 0 0 0 rg BT 428.23 488.30 Td (vest ) Tj ET Q q 0 0 0 rg BT 447.16 488.30 Td (over ) Tj ET Q q 0 0 0 rg BT 467.74 488.30 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.99 488.30 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.99 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 482.80 488.30 Td (year ) Tj ET Q q 0 0 0 rg BT 502.83 488.30 Td (service ) Tj ET Q q 0 0 0 rg BT 533.96 488.30 Td (period, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.30 Td (provided ) Tj ET Q q 0 0 0 rg BT 87.15 476.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 115.96 476.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 168.10 476.30 Td (metrics ) Tj ET Q q 0 0 0 rg BT 199.14 476.30 Td (are ) Tj ET Q q 0 0 0 rg BT 212.95 476.30 Td (met. ) Tj ET Q q 0 0 0 rg BT 231.94 476.30 Td (The ) Tj ET Q q 0 0 0 rg BT 249.09 476.30 Td (share ) Tj ET Q q 0 0 0 rg BT 271.80 476.30 Td (quantity) Tj ET Q q 0 0 0 rg BT 303.92 476.30 Td (, ) Tj ET Q q 0 0 0 rg BT 308.03 476.30 Td (which ) Tj ET Q q 0 0 0 rg BT 334.08 476.30 Td (can ) Tj ET Q q 0 0 0 rg BT 349.56 476.30 Td (range ) Tj ET Q q 0 0 0 rg BT 373.38 476.30 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.30 476.30 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.63 476.30 Td ( ) Tj ET Q q 0 0 0 rg BT 423.24 476.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.29 476.30 Td (200%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.62 476.30 Td (, ) Tj ET Q q 0 0 0 rg BT 466.72 476.30 Td (of ) Tj ET Q q 0 0 0 rg BT 476.66 476.30 Td (the ) Tj ET Q q 0 0 0 rg BT 490.49 476.30 Td (grant ) Tj ET Q q 0 0 0 rg BT 512.64 476.30 Td (is ) Tj ET Q q 0 0 0 rg BT 520.92 476.30 Td (dependent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.30 Td (on ) Tj ET Q q 0 0 0 rg BT 62.64 464.30 Td (the ) Tj ET Q q 0 0 0 rg BT 77.50 464.30 Td (degree ) Tj ET Q q 0 0 0 rg BT 106.78 464.30 Td (to ) Tj ET Q q 0 0 0 rg BT 117.20 464.30 Td (which ) Tj ET Q q 0 0 0 rg BT 144.28 464.30 Td (the ) Tj ET Q q 0 0 0 rg BT 159.14 464.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 212.30 464.30 Td (metrics ) Tj ET Q q 0 0 0 rg BT 244.38 464.30 Td (are ) Tj ET Q q 0 0 0 rg BT 259.22 464.30 Td (met. ) Tj ET Q q 0 0 0 rg BT 279.17 464.30 Td (The ) Tj ET Q q 0 0 0 rg BT 297.36 464.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 338.88 464.30 Td (records ) Tj ET Q q 0 0 0 rg BT 370.95 464.30 Td (an ) Tj ET Q q 0 0 0 rg BT 383.03 464.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 417.88 464.30 Td (over ) Tj ET Q q 0 0 0 rg BT 438.29 464.30 Td (the ) Tj ET Q q 0 0 0 rg BT 453.15 464.30 Td (vesting ) Tj ET Q q 0 0 0 rg BT 484.67 464.30 Td (period ) Tj ET Q q 0 0 0 rg BT 512.86 464.30 Td (based ) Tj ET Q q 0 0 0 rg BT 538.27 464.30 Td (on ) Tj ET Q q 0 0 0 rg BT 550.91 464.30 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.30 Td (the ) Tj ET Q q 0 0 0 rg BT 65.14 452.30 Td (probability ) Tj ET Q q 0 0 0 rg BT 111.94 452.30 Td (that ) Tj ET Q q 0 0 0 rg BT 129.86 452.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.00 452.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 198.44 452.30 Td (metric ) Tj ET Q q 0 0 0 rg BT 226.90 452.30 Td (will ) Tj ET Q q 0 0 0 rg BT 245.38 452.30 Td (be ) Tj ET Q q 0 0 0 rg BT 257.74 452.30 Td (met ) Tj ET Q q 0 0 0 rg BT 275.66 452.30 Td (and ) Tj ET Q q 0 0 0 rg BT 293.02 452.30 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 307.60 452.30 Td (the ) Tj ET Q q 0 0 0 rg BT 322.74 452.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 339.54 452.30 Td (market ) Tj ET Q q 0 0 0 rg BT 370.22 452.30 Td (value ) Tj ET Q q 0 0 0 rg BT 394.80 452.30 Td (of ) Tj ET Q q 0 0 0 rg BT 406.05 452.30 Td (the ) Tj ET Q q 0 0 0 rg BT 421.19 452.30 Td (Company) Tj ET Q q 0 0 0 rg BT 462.85 452.30 Td (s ) Tj ET Q q 0 0 0 rg BT 469.67 452.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 493.69 452.30 Td (at ) Tj ET Q q 0 0 0 rg BT 503.83 452.30 Td (the ) Tj ET Q q 0 0 0 rg BT 518.97 452.30 Td (date ) Tj ET Q q 0 0 0 rg BT 538.55 452.30 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 452.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.30 Td (grant.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 422.30 Td (16. ) Tj ET Q q 0 0 0 rg BT 68.00 422.30 Td (Compr) Tj ET Q q 0 0 0 rg BT 98.37 422.30 Td (ehensive Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 404.30 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 135.65 404.30 Td (income ) Tj ET Q q 0 0 0 rg BT 167.97 404.30 Td (represents ) Tj ET Q q 0 0 0 rg BT 211.40 404.30 Td (the ) Tj ET Q q 0 0 0 rg BT 226.50 404.30 Td (sum ) Tj ET Q q 0 0 0 rg BT 246.06 404.30 Td (of ) Tj ET Q q 0 0 0 rg BT 257.27 404.30 Td (net ) Tj ET Q q 0 0 0 rg BT 272.38 404.30 Td (income ) Tj ET Q q 0 0 0 rg BT 304.70 404.30 Td (and ) Tj ET Q q 0 0 0 rg BT 322.02 404.30 Td (items ) Tj ET Q q 0 0 0 rg BT 346.58 404.30 Td (of ) Tj ET Q q 0 0 0 rg BT 357.79 404.30 Td (other ) Tj ET Q q 0 0 0 rg BT 381.23 404.30 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 444.65 404.30 Td (income ) Tj ET Q q 0 0 0 rg BT 476.97 404.30 Td (or ) Tj ET Q q 0 0 0 rg BT 488.19 404.30 Td (loss, ) Tj ET Q q 0 0 0 rg BT 509.13 404.30 Td (including ) Tj ET Q q 0 0 0 rg BT 549.80 404.30 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.30 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 94.25 392.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 117.97 392.30 Td (or ) Tj ET Q q 0 0 0 rg BT 128.91 392.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 155.41 392.30 Td (on ) Tj ET Q q 0 0 0 rg BT 168.02 392.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 208.39 392.30 Td (available ) Tj ET Q q 0 0 0 rg BT 247.09 392.30 Td (for ) Tj ET Q q 0 0 0 rg BT 261.36 392.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 279.52 392.30 Td (and ) Tj ET Q q 0 0 0 rg BT 296.57 392.30 Td (net ) Tj ET Q q 0 0 0 rg BT 311.39 392.30 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 355.64 392.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 379.36 392.30 Td (or ) Tj ET Q q 0 0 0 rg BT 390.30 392.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 416.80 392.30 Td (on ) Tj ET Q q 0 0 0 rg BT 429.41 392.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 475.90 392.30 Td (accounted ) Tj ET Q q 0 0 0 rg BT 519.04 392.30 Td (for ) Tj ET Q q 0 0 0 rg BT 533.31 392.30 Td (as ) Tj ET Q q 0 0 0 rg BT 544.25 392.30 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.30 Td (flow ) Tj ET Q q 0 0 0 rg BT 71.85 380.30 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 105.39 380.30 Td (The ) Tj ET Q q 0 0 0 rg BT 124.46 380.30 Td (Company) Tj ET Q q 0 0 0 rg BT 166.13 380.30 Td (s ) Tj ET Q q 0 0 0 rg BT 173.54 380.30 Td (total ) Tj ET Q q 0 0 0 rg BT 194.84 380.30 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 258.89 380.30 Td (income ) Tj ET Q q 0 0 0 rg BT 291.85 380.30 Td (or ) Tj ET Q q 0 0 0 rg BT 303.70 380.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 322.79 380.30 Td (for ) Tj ET Q q 0 0 0 rg BT 337.97 380.30 Td (theyears ) Tj ET Q q 0 0 0 rg BT 377.31 380.30 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.71 380.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 464.31 380.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.31 380.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.34 380.30 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.34 380.30 Td ( ) Tj ET Q q 0 0 0 rg BT 513.86 380.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.82 380.30 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.82 380.30 Td ( ) Tj ET Q q 0 0 0 rg BT 555.34 380.30 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.82 368.30 Td (in ) Tj ET Q q 0 0 0 rg BT 96.09 368.30 Td (the ) Tj ET Q q 0 0 0 rg BT 110.81 368.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 166.08 368.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 212.47 368.30 Td (of ) Tj ET Q q 0 0 0 rg BT 223.30 368.30 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 288.56 368.30 Td (Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 350.30 Td (The ) Tj ET Q q 0 0 0 rg BT 88.40 350.30 Td (following ) Tj ET Q q 0 0 0 rg BT 130.14 350.30 Td (tables ) Tj ET Q q 0 0 0 rg BT 156.33 350.30 Td (present ) Tj ET Q q 0 0 0 rg BT 188.06 350.30 Td (the ) Tj ET Q q 0 0 0 rg BT 203.13 350.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 238.19 350.30 Td (in ) Tj ET Q q 0 0 0 rg BT 248.83 350.30 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 302.21 350.30 Td (other ) Tj ET Q q 0 0 0 rg BT 325.61 350.30 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 389.00 350.30 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 414.08 350.30 Td (income ) Tj ET Q q 0 0 0 rg BT 446.37 350.30 Td (by ) Tj ET Q q 0 0 0 rg BT 459.22 350.30 Td (component, ) Tj ET Q q 0 0 0 rg BT 509.01 350.30 Td (net ) Tj ET Q q 0 0 0 rg BT 524.08 350.30 Td (of ) Tj ET Q q 0 0 0 rg BT 535.27 350.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 550.34 350.30 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.30 Td (theyears ) Tj ET Q q 0 0 0 rg BT 88.32 338.30 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.69 338.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 173.28 338.30 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.28 338.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.28 338.30 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.28 338.30 Td ( ) Tj ET Q q 0 0 0 rg BT 220.78 338.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.71 338.30 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.71 338.30 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 268.79999999999995 m 424.5 268.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 268.79999999999995 m 493.5 268.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 268.79999999999995 m 562.5 268.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 200.79999999999995 m 424.5 200.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 200.79999999999995 m 493.5 200.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 200.79999999999995 m 562.5 200.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 185.79999999999995 m 424.5 185.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 185.79999999999995 m 493.5 185.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 185.79999999999995 m 562.5 185.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 171.79999999999995 m 424.5 171.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 169.79999999999995 m 424.5 169.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 171.79999999999995 m 493.5 171.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 169.79999999999995 m 493.5 169.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 171.79999999999995 m 562.5 171.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 169.79999999999995 m 562.5 169.79999999999995 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.90 313.03 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 393.52 313.03 Td (ealized ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.05 305.03 Td (Gain) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.80 297.03 Td (\(Loss\) on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.55 289.03 Td (A) Tj ET Q q 0 0 0 rg BT 380.73 289.03 Td (vailable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.35 281.03 Td (for) Tj ET Q q 0 0 0 rg BT 388.42 281.03 Td ( Sale ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.80 273.03 Td (Securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.90 305.03 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 462.52 305.03 Td (ealized ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.05 297.03 Td (Gain) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.80 289.03 Td (\(Loss\) on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.20 281.03 Td (Inter) Tj ET Q q 0 0 0 rg BT 464.38 281.03 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.60 273.03 Td (Rate Swaps) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.75 273.03 Td (T) Tj ET Q q 0 0 0 rg BT 525.35 273.03 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 436.15 260.03 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 245.47 Td (Balance at December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 245.37 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 245.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 245.47 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 245.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 245.47 Td (1,609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 245.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 245.47 Td (1,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 230.47 Td (Other comprehensive loss before reclassifications, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 230.37 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 230.52 Td (\(1,289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 230.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 230.52 Td (\(1,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 230.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 230.52 Td (\(2,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 230.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 215.47 Td (Amounts reclassified from accumulated other comprehensive income, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 205.47 Td (of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.50 205.37 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.30 205.52 Td (\(175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 205.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 205.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 205.52 Td (\(175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 205.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 190.47 Td (Net other comprehensive loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.50 190.37 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 190.52 Td (\(1,464) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 190.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 190.52 Td (\(1,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 190.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 190.52 Td (\(2,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 190.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 175.47 Td (Balance at December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 175.37 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 175.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 175.52 Td (\(1,379) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 175.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 175.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 175.47 Td (342) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 175.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 175.52 Td (\(1,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 175.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 203 0 obj <> endobj 204 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (99) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 695.5 m 424.5 695.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 695.5 m 428.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 695.5 m 493.5 695.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 695.5 m 497.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 695.5 m 562.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 627.5 m 424.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 627.5 m 493.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 627.5 m 562.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 612.5 m 424.5 612.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 612.5 m 493.5 612.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 612.5 m 562.5 612.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 612.5 m 424.5 612.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 598.5 m 424.5 598.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 596.5 m 424.5 596.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 612.5 m 493.5 612.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 598.5 m 493.5 598.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 596.5 m 493.5 596.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 612.5 m 562.5 612.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 598.5 m 562.5 598.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 596.5 m 562.5 596.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 583.5 m 424.5 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 581.5 m 424.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 583.5 m 493.5 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 581.5 m 493.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 583.5 m 562.5 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 581.5 m 562.5 581.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.90 739.73 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 393.52 739.73 Td (ealized ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.05 731.73 Td (Gain) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.80 723.73 Td (\(Loss\) on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.55 715.73 Td (A) Tj ET Q q 0 0 0 rg BT 380.73 715.73 Td (vailable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.35 707.73 Td (for) Tj ET Q q 0 0 0 rg BT 388.42 707.73 Td ( Sale ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.80 699.73 Td (Securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.90 731.73 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 462.52 731.73 Td (ealized ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.05 723.73 Td (Gain) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.80 715.73 Td (\(Loss\) on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.20 707.73 Td (Inter) Tj ET Q q 0 0 0 rg BT 464.38 707.73 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.60 699.73 Td (Rate Swaps) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.75 699.73 Td (T) Tj ET Q q 0 0 0 rg BT 525.35 699.73 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 436.15 686.73 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 672.17 Td (Balance at December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 672.07 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 672.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 672.17 Td (409) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 672.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 672.17 Td (481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 672.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 672.17 Td (890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 657.17 Td (Other comprehensive \(loss\) income before reclassifications, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.50 657.07 Td (.........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.30 657.22 Td (\(232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 657.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 657.17 Td (843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 657.17 Td (61) Tj ET Q q 0 0 0 rg BT 553.65 657.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 642.17 Td (Amounts reclassified from accumulated other comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 632.17 Td (income, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 632.07 Td (............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.30 632.22 Td (\(108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 632.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 632.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 632.22 Td (\(108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 632.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 617.17 Td (Net other comprehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 617.07 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.30 617.22 Td (\(340) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 617.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 617.17 Td (843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 617.17 Td (503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 602.17 Td (Amounts reclassified for tax rate changes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.00 602.07 Td (......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 602.17 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 602.17 Td (285) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 602.17 Td (301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 587.17 Td (Balance at December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 587.07 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 587.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 587.17 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 587.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 587.17 Td (1,609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 587.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 587.17 Td (1,694) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 513.5 m 424.5 513.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 513.5 m 428.5 513.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 513.5 m 493.5 513.5 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 513.5 m 497.5 513.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 513.5 m 562.5 513.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 445.5 m 424.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 445.5 m 493.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 445.5 m 562.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 430.5 m 424.5 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 430.5 m 493.5 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 430.5 m 562.5 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 416.5 m 424.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 414.5 m 424.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 416.5 m 493.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 414.5 m 493.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 416.5 m 562.5 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 414.5 m 562.5 414.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.90 557.73 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 393.52 557.73 Td (ealized ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.05 549.73 Td (Gain) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.80 541.73 Td (\(Loss\) on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.55 533.73 Td (A) Tj ET Q q 0 0 0 rg BT 380.73 533.73 Td (vailable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.35 525.73 Td (for) Tj ET Q q 0 0 0 rg BT 388.42 525.73 Td ( Sale ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.80 517.73 Td (Securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.90 549.73 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 462.52 549.73 Td (ealized ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.05 541.73 Td (Gain) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.80 533.73 Td (\(Loss\) on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.20 525.73 Td (Inter) Tj ET Q q 0 0 0 rg BT 464.38 525.73 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.60 517.73 Td (Rate Swaps) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.75 517.73 Td (T) Tj ET Q q 0 0 0 rg BT 525.35 517.73 Td (otal) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 436.15 504.73 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 490.17 Td (Balance at December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 490.07 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 490.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 490.17 Td (405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 490.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 490.22 Td (\(178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 490.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 490.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 490.17 Td (227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 475.17 Td (Other comprehensive \(loss\) income before reclassifications, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.50 475.07 Td (.........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.30 475.22 Td (\(71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 475.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 475.17 Td (659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 475.17 Td (588) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.17 Td (Amounts reclassified from accumulated other comprehensive income, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 450.17 Td (of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.50 450.07 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 450.17 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 450.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 450.17 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 435.17 Td (Net other comprehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 435.07 Td (....................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 435.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 435.17 Td (659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 435.17 Td (663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 420.17 Td (Balance at December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 420.07 Td (.......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 420.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 420.17 Td (409) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 420.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 420.17 Td (481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 420.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 420.17 Td (890) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 398.00 Td (The following table provides information for the items reclassified from accumulated other comprehensive income or loss:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 360.5 m 220.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 360.5 m 264.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 360.5 m 268.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 360.5 m 308.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 360.5 m 312.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 360.5 m 352.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 360.5 m 562.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 360.5 m 264.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 347.5 m 264.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 360.5 m 268.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 360.5 m 308.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 347.5 m 308.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 360.5 m 312.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 360.5 m 352.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 347.5 m 352.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 280.5 m 264.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 280.5 m 308.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 280.5 m 352.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 266.5 m 264.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.5 264.5 m 264.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 266.5 m 308.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 264.5 m 308.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 266.5 m 352.5 266.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 264.5 m 352.5 264.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 73.55 372.73 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 141.17 372.73 Td ( Compr) Tj ET Q q 0 0 0 rg BT 167.47 372.73 Td (ehensive) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 88.30 364.73 Td (Income \(Loss\) Components) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 228.75 364.73 Td (For) Tj ET Q q 0 0 0 rg BT 241.12 364.73 Td ( the ) Tj ET Q q 0 0 0 rg BT 255.56 364.73 Td (Y) Tj ET Q q 0 0 0 rg BT 260.74 364.73 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 335.32 364.73 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 388.85 372.73 Td (Associated Line Item in the Consolidated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 364.73 Td (Statements Of Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.00 351.73 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.00 351.73 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 324.00 351.73 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 263.65 338.73 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 325.18 Td (A) Tj ET Q q 0 0 0 rg BT 59.48 325.18 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 108.54 325.18 Td (-sale securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 300.17 Td (Unrealized gains \(losses\) on investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.00 300.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.65 300.17 Td (222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 300.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 300.17 Td (165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.00 300.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.30 300.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 338.63 300.22 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 300.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 310.17 Td (Gain \(loss\) on sale of available for sale securities,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 300.17 Td (net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 285.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 285.17 Td (ax \(expense\) benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 285.07 Td (...............................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.30 285.17 Td (\(47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.65 285.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.30 285.17 Td (\(57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.65 285.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 285.17 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 285.17 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 270.17 Td (Net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 270.07 Td (...............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.00 270.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.65 270.17 Td (175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 270.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 270.17 Td (108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.00 270.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.30 270.22 Td (\(75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 270.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 248.00 Td (17. ) Tj ET Q q 0 0 0 rg BT 68.00 248.00 Td (Derivative Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 230.00 Td (The ) Tj ET Q q 0 0 0 rg BT 88.24 230.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.81 230.00 Td (manages ) Tj ET Q q 0 0 0 rg BT 167.49 230.00 Td (economic ) Tj ET Q q 0 0 0 rg BT 209.05 230.00 Td (risks, ) Tj ET Q q 0 0 0 rg BT 233.13 230.00 Td (including ) Tj ET Q q 0 0 0 rg BT 273.60 230.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 305.72 230.00 Td (rate, ) Tj ET Q q 0 0 0 rg BT 325.90 230.00 Td (liquidity) Tj ET Q q 0 0 0 rg BT 359.14 230.00 Td (, ) Tj ET Q q 0 0 0 rg BT 364.33 230.00 Td (and ) Tj ET Q q 0 0 0 rg BT 381.46 230.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.91 230.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 424.60 230.00 Td (by ) Tj ET Q q 0 0 0 rg BT 437.29 230.00 Td (managing ) Tj ET Q q 0 0 0 rg BT 479.42 230.00 Td (the ) Tj ET Q q 0 0 0 rg BT 494.33 230.00 Td (amount, ) Tj ET Q q 0 0 0 rg BT 529.51 230.00 Td (sources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.00 Td (and ) Tj ET Q q 0 0 0 rg BT 67.43 218.00 Td (duration ) Tj ET Q q 0 0 0 rg BT 103.74 218.00 Td (of ) Tj ET Q q 0 0 0 rg BT 115.06 218.00 Td (its ) Tj ET Q q 0 0 0 rg BT 127.50 218.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 161.60 218.00 Td (along ) Tj ET Q q 0 0 0 rg BT 186.81 218.00 Td (with ) Tj ET Q q 0 0 0 rg BT 207.57 218.00 Td (the ) Tj ET Q q 0 0 0 rg BT 222.78 218.00 Td (use ) Tj ET Q q 0 0 0 rg BT 239.10 218.00 Td (of ) Tj ET Q q 0 0 0 rg BT 250.42 218.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 282.84 218.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 300.82 218.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 343.79 218.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 381.76 218.00 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 433.91 218.00 Td (namely ) Tj ET Q q 0 0 0 rg BT 466.34 218.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 498.76 218.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 516.74 218.00 Td (swaps. ) Tj ET Q q 0 0 0 rg BT 546.45 218.00 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.35 206.00 Td (does ) Tj ET Q q 0 0 0 rg BT 112.15 206.00 Td (not ) Tj ET Q q 0 0 0 rg BT 127.40 206.00 Td (use ) Tj ET Q q 0 0 0 rg BT 143.20 206.00 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 189.54 206.00 Td (for ) Tj ET Q q 0 0 0 rg BT 203.67 206.00 Td (speculative ) Tj ET Q q 0 0 0 rg BT 251.12 206.00 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 291.09 206.00 Td (As ) Tj ET Q q 0 0 0 rg BT 304.67 206.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.47 206.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 374.02 206.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.02 206.00 Td (, ) Tj ET Q q 0 0 0 rg BT 398.99 206.00 Td (the ) Tj ET Q q 0 0 0 rg BT 413.68 206.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 437.25 206.00 Td (was ) Tj ET Q q 0 0 0 rg BT 455.27 206.00 Td (a ) Tj ET Q q 0 0 0 rg BT 462.18 206.00 Td (party ) Tj ET Q q 0 0 0 rg BT 485.19 206.00 Td (to ) Tj ET Q q 0 0 0 rg BT 495.44 206.00 Td (nine ) Tj ET Q q 0 0 0 rg BT 515.13 206.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.03 206.00 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 77.24 194.00 Td (to ) Tj ET Q q 0 0 0 rg BT 87.82 194.00 Td (add ) Tj ET Q q 0 0 0 rg BT 105.05 194.00 Td (stability ) Tj ET Q q 0 0 0 rg BT 140.07 194.00 Td (to ) Tj ET Q q 0 0 0 rg BT 150.65 194.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 182.88 194.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 217.89 194.00 Td (and ) Tj ET Q q 0 0 0 rg BT 235.12 194.00 Td (to ) Tj ET Q q 0 0 0 rg BT 245.70 194.00 Td (manage ) Tj ET Q q 0 0 0 rg BT 279.59 194.00 Td (its ) Tj ET Q q 0 0 0 rg BT 291.84 194.00 Td (exposure ) Tj ET Q q 0 0 0 rg BT 330.73 194.00 Td (to ) Tj ET Q q 0 0 0 rg BT 341.31 194.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 373.54 194.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 391.32 194.00 Td (movements. ) Tj ET Q q 0 0 0 rg BT 442.52 194.00 Td (The ) Tj ET Q q 0 0 0 rg BT 460.87 194.00 Td (notional ) Tj ET Q q 0 0 0 rg BT 496.44 194.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 529.23 194.00 Td (for ) Tj ET Q q 0 0 0 rg BT 543.69 194.00 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.00 Td (swap ) Tj ET Q q 0 0 0 rg BT 72.78 182.00 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.68 182.00 Td ($25 ) Tj ET Q q 0 0 0 rg BT 98.92 182.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.81 182.00 Td ( ) Tj ET Q q 0 0 0 rg BT 130.04 182.00 Td (and ) Tj ET Q q 0 0 0 rg BT 146.71 182.00 Td (in ) Tj ET Q q 0 0 0 rg BT 156.72 182.00 Td (each ) Tj ET Q q 0 0 0 rg BT 177.27 182.00 Td (case, ) Tj ET Q q 0 0 0 rg BT 199.20 182.00 Td (the ) Tj ET Q q 0 0 0 rg BT 213.65 182.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 236.99 182.00 Td (has ) Tj ET Q q 0 0 0 rg BT 252.55 182.00 Td (entered ) Tj ET Q q 0 0 0 rg BT 284.21 182.00 Td (into ) Tj ET Q q 0 0 0 rg BT 302.00 182.00 Td (pay-fixed ) Tj ET Q q 0 0 0 rg BT 342.54 182.00 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 374.78 182.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 406.44 182.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 423.66 182.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 450.33 182.00 Td (to ) Tj ET Q q 0 0 0 rg BT 460.34 182.00 Td (convert ) Tj ET Q q 0 0 0 rg BT 492.56 182.00 Td (short ) Tj ET Q q 0 0 0 rg BT 514.79 182.00 Td (term ) Tj ET Q q 0 0 0 rg BT 535.35 182.00 Td (rolling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.00 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.36 170.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 109.17 170.00 Td (Loan ) Tj ET Q q 0 0 0 rg BT 132.08 170.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 155.56 170.00 Td (advances ) Tj ET Q q 0 0 0 rg BT 194.58 170.00 Td (or ) Tj ET Q q 0 0 0 rg BT 205.28 170.00 Td (brokered ) Tj ET Q q 0 0 0 rg BT 243.19 170.00 Td (CD's ) Tj ET Q q 0 0 0 rg BT 265.14 170.00 Td (to ) Tj ET Q q 0 0 0 rg BT 275.29 170.00 Td (long ) Tj ET Q q 0 0 0 rg BT 295.44 170.00 Td (term ) Tj ET Q q 0 0 0 rg BT 316.14 170.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 339.05 170.00 Td (rates. ) Tj ET Q q 0 0 0 rg BT 362.28 170.00 Td (As ) Tj ET Q q 0 0 0 rg BT 375.76 170.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.46 170.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 444.92 170.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.92 170.00 Td (, ) Tj ET Q q 0 0 0 rg BT 469.79 170.00 Td (three ) Tj ET Q q 0 0 0 rg BT 492.14 170.00 Td (of ) Tj ET Q q 0 0 0 rg BT 502.84 170.00 Td (the ) Tj ET Q q 0 0 0 rg BT 517.43 170.00 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.00 Td (nine ) Tj ET Q q 0 0 0 rg BT 69.72 158.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 101.65 158.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 119.14 158.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 146.08 158.00 Td (represent ) Tj ET Q q 0 0 0 rg BT 185.22 158.00 Td (forward-starting ) Tj ET Q q 0 0 0 rg BT 252.70 158.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 284.63 158.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 302.12 158.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 329.06 158.00 Td (on ) Tj ET Q q 0 0 0 rg BT 341.56 158.00 Td (probable ) Tj ET Q q 0 0 0 rg BT 379.05 158.00 Td (future ) Tj ET Q q 0 0 0 rg BT 405.42 158.00 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 433.49 158.00 Td (advances ) Tj ET Q q 0 0 0 rg BT 472.63 158.00 Td (or ) Tj ET Q q 0 0 0 rg BT 483.46 158.00 Td (brokered ) Tj ET Q q 0 0 0 rg BT 521.50 158.00 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 140.00 Td (The ) Tj ET Q q 0 0 0 rg BT 88.03 140.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 129.39 140.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 166.86 140.00 Td (for ) Tj ET Q q 0 0 0 rg BT 181.00 140.00 Td (its ) Tj ET Q q 0 0 0 rg BT 192.93 140.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 224.84 140.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 242.31 140.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 269.23 140.00 Td (as ) Tj ET Q q 0 0 0 rg BT 280.04 140.00 Td (ef) Tj ET Q q 0 0 0 rg BT 287.63 140.00 Td (fective ) Tj ET Q q 0 0 0 rg BT 317.31 140.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 337.56 140.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 358.37 140.00 Td (hedges ) Tj ET Q q 0 0 0 rg BT 388.62 140.00 Td (\(see ) Tj ET Q q 0 0 0 rg BT 407.20 140.00 Td (Note ) Tj ET Q q 0 0 0 rg BT 429.12 140.00 Td (1\). ) Tj ET Q q 0 0 0 rg BT 442.43 140.00 Td (None ) Tj ET Q q 0 0 0 rg BT 466.57 140.00 Td (of ) Tj ET Q q 0 0 0 rg BT 477.38 140.00 Td (the ) Tj ET Q q 0 0 0 rg BT 492.08 140.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 523.99 140.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 541.46 140.00 Td (swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.00 Td (agreements ) Tj ET Q q 0 0 0 rg BT 97.52 128.00 Td (contain ) Tj ET Q q 0 0 0 rg BT 128.95 128.00 Td (any ) Tj ET Q q 0 0 0 rg BT 145.38 128.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 170.14 128.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 187.13 128.00 Td (related ) Tj ET Q q 0 0 0 rg BT 216.32 128.00 Td (contingent ) Tj ET Q q 0 0 0 rg BT 260.53 128.00 Td (features. ) Tj ET Q q 0 0 0 rg BT 296.23 128.00 Td (A) Tj ET Q q 0 0 0 rg BT 302.90 128.00 Td ( ) Tj ET Q q 0 0 0 rg BT 304.89 128.00 Td (hedging ) Tj ET Q q 0 0 0 rg BT 339.10 128.00 Td (instrument ) Tj ET Q q 0 0 0 rg BT 383.86 128.00 Td (is ) Tj ET Q q 0 0 0 rg BT 392.52 128.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 430.05 128.00 Td (at ) Tj ET Q q 0 0 0 rg BT 439.26 128.00 Td (inception ) Tj ET Q q 0 0 0 rg BT 478.46 128.00 Td (to ) Tj ET Q q 0 0 0 rg BT 488.23 128.00 Td (be ) Tj ET Q q 0 0 0 rg BT 499.66 128.00 Td (highly ) Tj ET Q q 0 0 0 rg BT 527.21 128.00 Td (ef) Tj ET Q q 0 0 0 rg BT 534.80 128.00 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.00 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 116.00 Td (of) Tj ET Q q 0 0 0 rg BT 67.87 116.00 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 100.36 116.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 135.07 116.00 Td (in ) Tj ET Q q 0 0 0 rg BT 145.35 116.00 Td (the ) Tj ET Q q 0 0 0 rg BT 160.06 116.00 Td (hedged ) Tj ET Q q 0 0 0 rg BT 191.44 116.00 Td (transactions ) Tj ET Q q 0 0 0 rg BT 241.70 116.00 Td (attributable ) Tj ET Q q 0 0 0 rg BT 289.74 116.00 Td (to ) Tj ET Q q 0 0 0 rg BT 300.02 116.00 Td (the ) Tj ET Q q 0 0 0 rg BT 314.74 116.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 349.44 116.00 Td (in ) Tj ET Q q 0 0 0 rg BT 359.72 116.00 Td (the ) Tj ET Q q 0 0 0 rg BT 374.44 116.00 Td (hedged ) Tj ET Q q 0 0 0 rg BT 405.82 116.00 Td (risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 98.00 Td (Interest ) Tj ET Q q 0 0 0 rg BT 102.79 98.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 120.58 98.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 147.82 98.00 Td (with ) Tj ET Q q 0 0 0 rg BT 168.40 98.00 Td (a ) Tj ET Q q 0 0 0 rg BT 175.64 98.00 Td (positive ) Tj ET Q q 0 0 0 rg BT 210.11 98.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 226.79 98.00 Td (value ) Tj ET Q q 0 0 0 rg BT 251.25 98.00 Td (are ) Tj ET Q q 0 0 0 rg BT 266.26 98.00 Td (recorded ) Tj ET Q q 0 0 0 rg BT 304.04 98.00 Td (as ) Tj ET Q q 0 0 0 rg BT 315.17 98.00 Td (other ) Tj ET Q q 0 0 0 rg BT 338.52 98.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 364.65 98.00 Td (and ) Tj ET Q q 0 0 0 rg BT 381.89 98.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 414.13 98.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 431.92 98.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 459.17 98.00 Td (with ) Tj ET Q q 0 0 0 rg BT 479.75 98.00 Td (a ) Tj ET Q q 0 0 0 rg BT 486.99 98.00 Td (negative ) Tj ET Q q 0 0 0 rg BT 523.66 98.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.34 98.00 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.00 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 86.00 Td (recorded ) Tj ET Q q 0 0 0 rg BT 102.18 86.00 Td (as ) Tj ET Q q 0 0 0 rg BT 113.01 86.00 Td (other ) Tj ET Q q 0 0 0 rg BT 136.06 86.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 175.78 86.00 Td (on ) Tj ET Q q 0 0 0 rg BT 188.28 86.00 Td (the ) Tj ET Q q 0 0 0 rg BT 202.99 86.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 256.04 86.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 289.07 86.00 Td (sheets.) 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 (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 120.26 742.10 Td (about ) Tj ET Q q 0 0 0 rg BT 144.98 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 187.46 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 236.63 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 250.79 742.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 289.10 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.48 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 374.06 742.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.06 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 396.56 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.50 742.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.50 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 436.00 742.10 Td (were ) Tj ET Q q 0 0 0 rg BT 457.93 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 468.76 742.10 Td (follows:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 724.10 Td (December) Tj ET Q q 0 0 0 rg BT 93.13 724.10 Td (31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 130.63 724.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 678.6 m 298.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 678.6 m 365.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 678.6 m 464.5 678.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 678.6 m 468.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 678.6 m 513.5 678.6 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 678.6 m 517.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 678.6 m 562.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 516.6 m 298.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 516.6 m 562.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 516.6 m 298.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 502.6 m 298.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 500.6 m 298.5 500.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 516.6 m 562.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 502.6 m 562.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 500.6 m 562.5 500.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.80 690.83 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.45 682.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.05 690.83 Td (Original) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.90 682.83 Td (Maturity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 401.15 682.83 Td (Received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.70 682.83 Td (Paid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.65 698.83 Td (Fair) Tj ET Q q 0 0 0 rg BT 536.17 698.83 Td ( ) Tj ET Q q 0 0 0 rg BT 538.02 698.83 Td (V) Tj ET Q q 0 0 0 rg BT 543.06 698.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 530.35 690.83 Td (Asset) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.15 682.83 Td (\(Liability\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 370.35 669.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 656.28 Td (Cash flow hedge:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 641.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 641.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.00 641.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 641.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.45 641.27 Td (4.7 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 641.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 641.27 Td (1.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 641.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 641.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 641.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 626.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 626.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 626.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.45 626.27 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 626.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 626.27 Td (1.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 626.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 626.27 Td (220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 611.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 611.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 611.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.45 611.27 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 611.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 611.27 Td (1.48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 611.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 611.27 Td (475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 596.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 596.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 596.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.45 596.27 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 596.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 596.27 Td (1.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 596.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 596.27 Td (828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 581.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 581.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 581.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.45 581.27 Td (7.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 581.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 581.27 Td (2.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 581.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 581.27 Td (675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 566.27 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.00 566.17 Td (..................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 566.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.45 566.27 Td (7.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 566.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 566.27 Td (2.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 566.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 566.27 Td (668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 551.27 Td (Forward-starting interest rate swap) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 192.68 555.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 551.17 Td (...................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 551.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.95 551.27 Td (15.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 551.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 551.27 Td (3.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 551.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 551.32 Td (\(807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 551.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 536.27 Td (Forward-starting interest rate swap) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 192.68 540.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 536.17 Td (...................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 536.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.95 536.27 Td (15.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 536.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 536.27 Td (3.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 536.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 536.32 Td (\(819) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 521.27 Td (Forward-starting interest rate swap) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 192.68 525.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 521.17 Td (...................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.10 521.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.95 521.27 Td (15.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 521.27 Td (3-month USD LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 521.27 Td (3.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 521.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 521.32 Td (\(81) Tj ET Q q 0 0 0 rg BT 553.63 521.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 521.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.00 506.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.10 506.27 Td (225,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 506.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 506.27 Td (430) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 485.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 62.58 485.30 Td (The ef) Tj ET Q q 0 0 0 rg BT 85.65 485.30 Td (fective date of the forward-starting interest rate swaps listed above are January 2, 2019, January 2, 2020 and ) Tj ET Q q 0 0 0 rg BT 476.77 485.30 Td (August 26, 2020, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 474.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.90 474.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 456.50 Td (Accrued ) Tj ET Q q 0 0 0 rg BT 106.81 456.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 139.19 456.50 Td (receivable ) Tj ET Q q 0 0 0 rg BT 183.22 456.50 Td (related ) Tj ET Q q 0 0 0 rg BT 213.37 456.50 Td (to ) Tj ET Q q 0 0 0 rg BT 224.09 456.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 256.47 456.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 274.40 456.50 Td (swaps ) Tj ET Q q 0 0 0 rg BT 301.79 456.50 Td (as ) Tj ET Q q 0 0 0 rg BT 313.06 456.50 Td (of ) Tj ET Q q 0 0 0 rg BT 324.34 456.50 Td (December ) Tj ET Q q 0 0 0 rg BT 368.37 456.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 383.82 456.50 Td (2018 ) Tj ET Q q 0 0 0 rg BT 406.76 456.50 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.92 456.50 Td ($224) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.92 456.50 Td ( ) Tj ET Q q 0 0 0 rg BT 459.87 456.50 Td (thousand ) Tj ET Q q 0 0 0 rg BT 498.92 456.50 Td (and ) Tj ET Q q 0 0 0 rg BT 516.30 456.50 Td (is ) Tj ET Q q 0 0 0 rg BT 525.92 456.50 Td (excluded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 444.50 Td (from ) Tj ET Q q 0 0 0 rg BT 72.80 444.50 Td (the ) Tj ET Q q 0 0 0 rg BT 88.37 444.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 105.61 444.50 Td (value ) Tj ET Q q 0 0 0 rg BT 130.62 444.50 Td (presented ) Tj ET Q q 0 0 0 rg BT 172.29 444.50 Td (in ) Tj ET Q q 0 0 0 rg BT 183.43 444.50 Td (the ) Tj ET Q q 0 0 0 rg BT 199.01 444.50 Td (table ) Tj ET Q q 0 0 0 rg BT 221.80 444.50 Td (above. ) Tj ET Q q 0 0 0 rg BT 251.29 444.50 Td (The ) Tj ET Q q 0 0 0 rg BT 270.20 444.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 287.43 444.50 Td (value ) Tj ET Q q 0 0 0 rg BT 312.45 444.50 Td (of ) Tj ET Q q 0 0 0 rg BT 324.13 444.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 356.93 444.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 375.27 444.50 Td (swaps ) Tj ET Q q 0 0 0 rg BT 403.07 444.50 Td (including ) Tj ET Q q 0 0 0 rg BT 444.20 444.50 Td (accrued ) Tj ET Q q 0 0 0 rg BT 478.65 444.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 511.44 444.50 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.01 444.50 Td ($654) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 432.50 Td (thousand ) Tj ET Q q 0 0 0 rg BT 88.61 432.50 Td (as ) Tj ET Q q 0 0 0 rg BT 99.44 432.50 Td (of ) Tj ET Q q 0 0 0 rg BT 110.27 432.50 Td (December ) Tj ET Q q 0 0 0 rg BT 153.85 432.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 168.85 432.50 Td (2018.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 414.50 Td (December) Tj ET Q q 0 0 0 rg BT 93.13 414.50 Td (31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 130.63 414.50 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 369 m 316.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 369 m 365.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 369 m 464.5 369 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 369 m 468.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 369 m 513.5 369 l s 1 1 1 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 369 m 517.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 369 m 562.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 252 m 316.5 252 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 238 m 316.5 238 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 236 m 316.5 236 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 252 m 562.5 252 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 238 m 562.5 238 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 236 m 562.5 236 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.80 381.23 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.45 373.23 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.05 381.23 Td (Original) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.90 373.23 Td (Maturity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 401.15 373.23 Td (Received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.70 373.23 Td (Paid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.65 389.23 Td (Fair) Tj ET Q q 0 0 0 rg BT 536.17 389.23 Td ( ) Tj ET Q q 0 0 0 rg BT 538.02 389.23 Td (V) Tj ET Q q 0 0 0 rg BT 543.06 389.23 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 530.35 381.23 Td (Asset) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.15 373.23 Td (\(Liability\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 379.35 360.23 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 346.68 Td (Cash flow hedge:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 331.67 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 331.57 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 331.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.10 331.67 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.45 331.67 Td (4.7 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 331.67 Td (3-month LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 331.67 Td (1.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 331.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 331.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 331.67 Td (62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 316.67 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 316.57 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.10 316.67 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.45 316.67 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 316.67 Td (3-month LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 316.67 Td (1.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 316.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 316.67 Td (105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 301.67 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 301.57 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.10 301.67 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.45 301.67 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 301.67 Td (3-month LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 301.67 Td (1.48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 301.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 301.67 Td (398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 286.67 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 286.57 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.10 286.67 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.45 286.67 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 286.67 Td (3-month LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 286.67 Td (1.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 286.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 286.67 Td (793) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 271.67 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 271.57 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.10 271.67 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.45 271.67 Td (7.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 271.67 Td (3-month LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 271.67 Td (2.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 271.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 271.67 Td (342) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 256.67 Td (Interest rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.50 256.57 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.10 256.67 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.45 256.67 Td (7.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 256.67 Td (3-month LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 256.67 Td (2.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.65 256.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 256.67 Td (334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 241.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.10 241.67 Td (150,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 241.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 241.67 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 219.50 Td (Accrued ) Tj ET Q q 0 0 0 rg BT 106.42 219.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 138.41 219.50 Td (payable ) Tj ET Q q 0 0 0 rg BT 172.06 219.50 Td (related ) Tj ET Q q 0 0 0 rg BT 201.82 219.50 Td (to ) Tj ET Q q 0 0 0 rg BT 212.16 219.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 244.15 219.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 261.69 219.50 Td (swaps ) Tj ET Q q 0 0 0 rg BT 288.69 219.50 Td (as ) Tj ET Q q 0 0 0 rg BT 299.57 219.50 Td (of ) Tj ET Q q 0 0 0 rg BT 310.46 219.50 Td (December ) Tj ET Q q 0 0 0 rg BT 354.10 219.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 369.16 219.50 Td (2017 ) Tj ET Q q 0 0 0 rg BT 391.71 219.50 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.48 219.50 Td ($70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.48 219.50 Td ( ) Tj ET Q q 0 0 0 rg BT 439.04 219.50 Td (thousand ) Tj ET Q q 0 0 0 rg BT 477.70 219.50 Td (and ) Tj ET Q q 0 0 0 rg BT 494.69 219.50 Td (is ) Tj ET Q q 0 0 0 rg BT 503.92 219.50 Td (excluded ) Tj ET Q q 0 0 0 rg BT 542.57 219.50 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.50 Td (the ) Tj ET Q q 0 0 0 rg BT 64.36 207.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 80.39 207.50 Td (value ) Tj ET Q q 0 0 0 rg BT 104.19 207.50 Td (presented ) Tj ET Q q 0 0 0 rg BT 144.65 207.50 Td (in ) Tj ET Q q 0 0 0 rg BT 154.57 207.50 Td (the ) Tj ET Q q 0 0 0 rg BT 168.94 207.50 Td (table ) Tj ET Q q 0 0 0 rg BT 190.52 207.50 Td (above. ) Tj ET Q q 0 0 0 rg BT 218.88 207.50 Td (The ) Tj ET Q q 0 0 0 rg BT 236.58 207.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 252.60 207.50 Td (value ) Tj ET Q q 0 0 0 rg BT 276.40 207.50 Td (of ) Tj ET Q q 0 0 0 rg BT 286.88 207.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 318.46 207.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 335.59 207.50 Td (swaps ) Tj ET Q q 0 0 0 rg BT 362.18 207.50 Td (including ) Tj ET Q q 0 0 0 rg BT 402.10 207.50 Td (accrued ) Tj ET Q q 0 0 0 rg BT 435.33 207.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 466.91 207.50 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.26 207.50 Td ($1,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.76 207.50 Td ( ) Tj ET Q q 0 0 0 rg BT 525.91 207.50 Td (thousand ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.50 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 195.50 Td (of ) Tj ET Q q 0 0 0 rg BT 71.66 195.50 Td (December ) Tj ET Q q 0 0 0 rg BT 115.24 195.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 130.24 195.50 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 177.50 Td (The ) Tj ET Q q 0 0 0 rg BT 88.08 177.50 Td (ef) Tj ET Q q 0 0 0 rg BT 95.67 177.50 Td (fective ) Tj ET Q q 0 0 0 rg BT 125.41 177.50 Td (portion ) Tj ET Q q 0 0 0 rg BT 156.83 177.50 Td (of ) Tj ET Q q 0 0 0 rg BT 167.70 177.50 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 211.88 177.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 246.62 177.50 Td (in ) Tj ET Q q 0 0 0 rg BT 256.94 177.50 Td (the ) Tj ET Q q 0 0 0 rg BT 271.69 177.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 288.10 177.50 Td (value ) Tj ET Q q 0 0 0 rg BT 312.29 177.50 Td (of ) Tj ET Q q 0 0 0 rg BT 323.16 177.50 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 369.57 177.50 Td (accounted ) Tj ET Q q 0 0 0 rg BT 412.64 177.50 Td (for ) Tj ET Q q 0 0 0 rg BT 426.84 177.50 Td (as ) Tj ET Q q 0 0 0 rg BT 437.70 177.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 458.01 177.50 Td (flow ) Tj ET Q q 0 0 0 rg BT 478.87 177.50 Td (hedges ) Tj ET Q q 0 0 0 rg BT 509.18 177.50 Td (is ) Tj ET Q q 0 0 0 rg BT 518.39 177.50 Td (reported ) Tj ET Q q 0 0 0 rg BT 554.24 177.50 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.50 Td (other ) Tj ET Q q 0 0 0 rg BT 73.46 165.50 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 136.91 165.50 Td (income ) Tj ET Q q 0 0 0 rg BT 169.25 165.50 Td (and ) Tj ET Q q 0 0 0 rg BT 186.61 165.50 Td (is ) Tj ET Q q 0 0 0 rg BT 196.19 165.50 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 251.32 165.50 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 299.77 165.50 Td (into ) Tj ET Q q 0 0 0 rg BT 318.24 165.50 Td (earnings ) Tj ET Q q 0 0 0 rg BT 355.03 165.50 Td (in ) Tj ET Q q 0 0 0 rg BT 365.72 165.50 Td (the ) Tj ET Q q 0 0 0 rg BT 380.85 165.50 Td (period ) Tj ET Q q 0 0 0 rg BT 409.31 165.50 Td (that ) Tj ET Q q 0 0 0 rg BT 427.22 165.50 Td (the ) Tj ET Q q 0 0 0 rg BT 442.35 165.50 Td (hedged ) Tj ET Q q 0 0 0 rg BT 474.15 165.50 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 518.14 165.50 Td (transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 153.50 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 153.50 Td (fects ) Tj ET Q q 0 0 0 rg BT 77.97 153.50 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 115.52 153.50 Td (Amounts ) Tj ET Q q 0 0 0 rg BT 153.70 153.50 Td (reported ) Tj ET Q q 0 0 0 rg BT 188.52 153.50 Td (in ) Tj ET Q q 0 0 0 rg BT 197.80 153.50 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 249.84 153.50 Td (other ) Tj ET Q q 0 0 0 rg BT 271.89 153.50 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 333.93 153.50 Td (income ) Tj ET Q q 0 0 0 rg BT 364.87 153.50 Td (related ) Tj ET Q q 0 0 0 rg BT 393.58 153.50 Td (to ) Tj ET Q q 0 0 0 rg BT 402.86 153.50 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 448.24 153.50 Td (will ) Tj ET Q q 0 0 0 rg BT 465.30 153.50 Td (be ) Tj ET Q q 0 0 0 rg BT 476.25 153.50 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 523.29 153.50 Td (to ) Tj ET Q q 0 0 0 rg BT 532.57 153.50 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 141.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.82 141.50 Td (as ) Tj ET Q q 0 0 0 rg BT 95.77 141.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 127.81 141.50 Td (payments ) Tj ET Q q 0 0 0 rg BT 168.75 141.50 Td (are ) Tj ET Q q 0 0 0 rg BT 183.58 141.50 Td (made ) Tj ET Q q 0 0 0 rg BT 207.85 141.50 Td (on ) Tj ET Q q 0 0 0 rg BT 220.46 141.50 Td (the ) Tj ET Q q 0 0 0 rg BT 235.29 141.50 Td (Company's ) Tj ET Q q 0 0 0 rg BT 282.49 141.50 Td (rolling ) Tj ET Q q 0 0 0 rg BT 311.77 141.50 Td (short ) Tj ET Q q 0 0 0 rg BT 334.38 141.50 Td (term ) Tj ET Q q 0 0 0 rg BT 355.32 141.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 375.15 141.50 Td (or ) Tj ET Q q 0 0 0 rg BT 386.10 141.50 Td (brokered ) Tj ET Q q 0 0 0 rg BT 424.25 141.50 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 461.95 141.50 Td (The ) Tj ET Q q 0 0 0 rg BT 480.12 141.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 521.62 141.50 Td (expects ) Tj ET Q q 0 0 0 rg BT 554.22 141.50 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 129.50 Td (reclassify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.82 129.50 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 110.82 129.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.71 129.50 Td ( ) Tj ET Q q 0 0 0 rg BT 142.21 129.50 Td (as ) Tj ET Q q 0 0 0 rg BT 153.04 129.50 Td (a ) Tj ET Q q 0 0 0 rg BT 159.98 129.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 200.24 129.50 Td (to ) Tj ET Q q 0 0 0 rg BT 210.52 129.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 242.45 129.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 277.16 129.50 Td (during ) Tj ET Q q 0 0 0 rg BT 305.77 129.50 Td (the ) Tj ET Q q 0 0 0 rg BT 320.48 129.50 Td (next ) Tj ET Q q 0 0 0 rg BT 340.20 129.50 Td (12 ) Tj ET Q q 0 0 0 rg BT 352.70 129.50 Td (months.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 111.50 Td (The ) Tj ET Q q 0 0 0 rg BT 87.16 111.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.66 111.50 Td (assesses ) Tj ET Q q 0 0 0 rg BT 162.04 111.50 Td (the ) Tj ET Q q 0 0 0 rg BT 175.87 111.50 Td (ef) Tj ET Q q 0 0 0 rg BT 183.46 111.50 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 229.49 111.50 Td (of ) Tj ET Q q 0 0 0 rg BT 239.43 111.50 Td (each ) Tj ET Q q 0 0 0 rg BT 259.36 111.50 Td (hedging ) Tj ET Q q 0 0 0 rg BT 293.19 111.50 Td (relationship ) Tj ET Q q 0 0 0 rg BT 342.01 111.50 Td (by ) Tj ET Q q 0 0 0 rg BT 353.62 111.50 Td (comparing ) Tj ET Q q 0 0 0 rg BT 398.00 111.50 Td (the ) Tj ET Q q 0 0 0 rg BT 411.83 111.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 445.64 111.50 Td (in ) Tj ET Q q 0 0 0 rg BT 455.03 111.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 474.41 111.50 Td (flows ) Tj ET Q q 0 0 0 rg BT 498.25 111.50 Td (of ) Tj ET Q q 0 0 0 rg BT 508.19 111.50 Td (the ) Tj ET Q q 0 0 0 rg BT 522.02 111.50 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 99.50 Td (hedging ) Tj ET Q q 0 0 0 rg BT 84.54 99.50 Td (instrument ) Tj ET Q q 0 0 0 rg BT 129.64 99.50 Td (with ) Tj ET Q q 0 0 0 rg BT 149.74 99.50 Td (the ) Tj ET Q q 0 0 0 rg BT 164.28 99.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 198.81 99.50 Td (in ) Tj ET Q q 0 0 0 rg BT 208.92 99.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 229.01 99.50 Td (flows ) Tj ET Q q 0 0 0 rg BT 253.55 99.50 Td (of ) Tj ET Q q 0 0 0 rg BT 264.21 99.50 Td (the ) Tj ET Q q 0 0 0 rg BT 278.75 99.50 Td (designated ) Tj ET Q q 0 0 0 rg BT 323.84 99.50 Td (hedged ) Tj ET Q q 0 0 0 rg BT 355.04 99.50 Td (item ) Tj ET Q q 0 0 0 rg BT 375.14 99.50 Td (or ) Tj ET Q q 0 0 0 rg BT 385.79 99.50 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 434.32 99.50 Td (The ) Tj ET Q q 0 0 0 rg BT 452.19 99.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 483.95 99.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 501.26 99.50 Td (swap ) Tj ET Q q 0 0 0 rg BT 524.13 99.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 549.79 99.50 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.50 Td (presented ) Tj ET Q q 0 0 0 rg BT 92.29 87.50 Td (in ) Tj ET Q q 0 0 0 rg BT 104.04 87.50 Td (other ) Tj ET Q q 0 0 0 rg BT 128.56 87.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 155.87 87.50 Td (and ) Tj ET Q q 0 0 0 rg BT 174.28 87.50 Td (the ) Tj ET Q q 0 0 0 rg BT 190.47 87.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 223.88 87.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 242.84 87.50 Td (swap ) Tj ET Q q 0 0 0 rg BT 267.36 87.50 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 308.55 87.50 Td (are ) Tj ET Q q 0 0 0 rg BT 324.74 87.50 Td (presented ) Tj ET Q q 0 0 0 rg BT 367.03 87.50 Td (in ) Tj ET Q q 0 0 0 rg BT 378.78 87.50 Td (accrued ) Tj ET Q q 0 0 0 rg BT 413.84 87.50 Td (expenses ) Tj ET Q q 0 0 0 rg BT 453.91 87.50 Td (and ) Tj ET Q q 0 0 0 rg BT 472.32 87.50 Td (other ) Tj ET Q q 0 0 0 rg BT 496.84 87.50 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 538.03 87.50 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 87.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.50 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 105.27 75.50 Td (Balance ) Tj ET Q q 0 0 0 rg BT 139.98 75.50 Td (Sheets.) 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 (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 742.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 135.13 742.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 155.40 742.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 176.23 742.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 202.60 742.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 241.22 742.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 271.50 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.33 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 314.26 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 331.75 742.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 354.80 742.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 405.06 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 415.89 742.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 450.04 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.32 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.04 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 496.97 742.10 Td (below: ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 704.6 m 175.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 704.6 m 304.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 704.6 m 433.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 704.6 m 562.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 593.6 m 175.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 579.6 m 175.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 577.6 m 175.5 577.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 97.80 716.83 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 98.45 708.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.05 716.83 Td (Effective Date of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.45 708.83 Td (Hedging Relationship) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.60 716.83 Td (Duration of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.90 708.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 355.08 708.83 Td (est Rate Swap) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.90 708.83 Td (Counterparty) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 268.85 695.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.25 681.27 Td ($25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.65 681.27 Td (April 1, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.45 681.27 Td (4.7 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.95 681.27 Td (Bank of Montreal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.75 666.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.70 666.27 Td (January 2, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.45 666.27 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.95 666.27 Td (Bank of Montreal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.75 651.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.30 651.27 Td (August 26, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.45 651.27 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.95 651.27 Td (Bank of Montreal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.75 636.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.90 636.27 Td (July 1, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.45 636.27 Td (5.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.95 636.27 Td (Bank of Montreal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.75 621.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.30 621.27 Td (August 25, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.45 621.27 Td (7.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.95 621.27 Td (Bank of Montreal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.75 598.27 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.30 598.27 Td (August 25, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.45 598.27 Td (7.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.50 607.17 Td (FTN Financial Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.10 597.17 Td (Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.75 583.27 Td ($150,000) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 561.10 Td (This ) Tj ET Q q 0 0 0 rg BT 89.86 561.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 115.81 561.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 149.55 561.10 Td (converts ) Tj ET Q q 0 0 0 rg BT 185.50 561.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.80 561.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 216.86 561.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.27 561.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 258.79 561.10 Td (on ) Tj ET Q q 0 0 0 rg BT 270.87 561.10 Td (short ) Tj ET Q q 0 0 0 rg BT 292.94 561.10 Td (term ) Tj ET Q q 0 0 0 rg BT 313.35 561.10 Td (rolling ) Tj ET Q q 0 0 0 rg BT 342.09 561.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 369.73 561.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 408.46 561.10 Td (or ) Tj ET Q q 0 0 0 rg BT 418.87 561.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 456.48 561.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 491.34 561.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.20 561.10 Td (long ) Tj ET Q q 0 0 0 rg BT 521.06 561.10 Td (term ) Tj ET Q q 0 0 0 rg BT 541.46 561.10 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 549.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 105.81 549.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 138.30 549.10 Td (protecting ) Tj ET Q q 0 0 0 rg BT 181.34 549.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.05 549.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 237.44 549.10 Td (from ) Tj ET Q q 0 0 0 rg BT 259.38 549.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 291.31 549.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 308.80 549.10 Td (variability) Tj ET Q q 0 0 0 rg BT 349.25 549.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 531.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 106.69 531.10 Td (in ) Tj ET Q q 0 0 0 rg BT 116.72 531.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.19 531.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 183.99 531.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 228.45 531.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.04 531.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 301.82 531.10 Td (income ) Tj ET Q q 0 0 0 rg BT 333.51 531.10 Td (related ) Tj ET Q q 0 0 0 rg BT 362.97 531.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.00 531.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 404.69 531.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 421.92 531.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 468.05 531.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 513.07 531.10 Td (as ) Tj ET Q q 0 0 0 rg BT 523.65 531.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 553.67 531.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 519.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.27 519.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 94.99 519.10 Td (were ) Tj ET Q q 0 0 0 rg BT 116.92 519.10 Td (as ) Tj ET Q q 0 0 0 rg BT 127.75 519.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 160.25 519.10 Td (for ) Tj ET Q q 0 0 0 rg BT 174.41 519.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 212.72 519.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.10 519.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 297.69 519.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.69 519.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.19 519.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.12 519.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.12 519.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 481.6 m 493.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 481.6 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 428.5 414.6 m 493.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 414.6 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 428.5 399.6 m 493.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 399.6 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 428.5 385.6 m 493.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 383.6 m 493.5 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 385.6 m 562.5 385.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 383.6 m 562.5 383.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.25 493.83 Td (December) Tj ET Q q 0 0 0 rg BT 471.82 493.83 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.50 485.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 506.25 493.83 Td (December) Tj ET Q q 0 0 0 rg BT 540.75 493.83 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 485.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 470.65 472.83 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 459.28 Td (Inter) Tj ET Q q 0 0 0 rg BT 74.48 459.28 Td (est rate swap on FHLB advances and br) Tj ET Q q 0 0 0 rg BT 245.14 459.28 Td (oker) Tj ET Q q 0 0 0 rg BT 264.40 459.28 Td (ed CD's:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 444.27 Td (Unrealized \(loss\) gain recognized in accumulated other comprehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.00 444.17 Td (......................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 444.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 444.32 Td (\(1,604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 444.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 444.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 444.27 Td (1,297) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 429.27 Td (Income tax benefit \(expense\) on items recognized in accumulated other comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 419.27 Td (income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 419.17 Td (.........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 419.27 Td (337) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 419.32 Td (\(454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 419.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 404.27 Td (Other comprehensive \(loss\) income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.50 404.17 Td (...........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 404.32 Td (\(1,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 404.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 404.27 Td (843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 389.27 Td (Amount recognized in interest expense on hedged FHLB advances and brokered CD's) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.50 389.17 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 389.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 389.27 Td (2,552) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 389.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 389.27 Td (1,909) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 367.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.29 367.10 Td (following ) Tj ET Q q 0 0 0 rg BT 129.93 367.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 156.00 367.10 Td (summarize ) Tj ET Q q 0 0 0 rg BT 202.62 367.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 226.48 367.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.67 367.10 Td (net ) Tj ET Q q 0 0 0 rg BT 258.64 367.10 Td (information ) Tj ET Q q 0 0 0 rg BT 308.60 367.10 Td (about ) Tj ET Q q 0 0 0 rg BT 333.56 367.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 376.29 367.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 425.70 367.10 Td (that ) Tj ET Q q 0 0 0 rg BT 443.45 367.10 Td (are ) Tj ET Q q 0 0 0 rg BT 458.40 367.10 Td (of) Tj ET Q q 0 0 0 rg BT 466.55 367.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 483.74 367.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.26 367.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.23 367.10 Td (Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (Balance ) Tj ET Q q 0 0 0 rg BT 84.70 355.10 Td (Sheets ) Tj ET Q q 0 0 0 rg BT 113.31 355.10 Td (at ) Tj ET Q q 0 0 0 rg BT 123.03 355.10 Td (December ) Tj ET Q q 0 0 0 rg BT 166.61 355.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 181.61 355.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 204.11 355.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.05 355.10 Td (2017: ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 323.6 m 190.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190.5 323.6 m 194.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 323.6 m 264.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 323.6 m 268.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 323.6 m 338.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 323.6 m 342.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 323.6 m 412.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 323.6 m 416.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 323.6 m 486.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 323.6 m 490.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 323.6 m 560.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 302.6 m 412.5 302.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 302.6 m 416.5 302.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 302.6 m 486.5 302.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 302.6 m 490.5 302.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 302.6 m 560.5 302.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 257.6 m 190.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 257.6 m 264.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 257.6 m 338.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 257.6 m 412.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 257.6 m 486.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 257.6 m 490.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 257.6 m 560.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 257.6 m 190.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 257.6 m 264.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 257.6 m 338.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 257.6 m 412.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 257.6 m 486.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 257.6 m 560.5 257.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.75 329.28 Td (December) Tj ET Q q 0 0 0 rg BT 342.32 329.28 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 345.50 311.28 Td (Gr) Tj ET Q q 0 0 0 rg BT 355.13 311.28 Td (oss ) Tj ET Q q 0 0 0 rg BT 366.91 311.28 Td (Amounts Not Offset in the Consolidated Balance Sheets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 124.40 269.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 134.10 269.83 Td (oss ) Tj ET Q q 0 0 0 rg BT 146.03 269.83 Td (Amounts of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 124.00 261.83 Td (Recognized ) Tj ET Q q 0 0 0 rg BT 164.88 261.83 Td (Assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.70 285.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 212.40 285.83 Td (oss ) Tj ET Q q 0 0 0 rg BT 224.33 285.83 Td (Amounts) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.85 277.83 Td (Offset in the) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 269.83 Td (Statement of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 198.20 261.83 Td (Financial Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.30 293.83 Td (Net ) Tj ET Q q 0 0 0 rg BT 290.07 293.83 Td (Amounts of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.70 285.83 Td (Assets pr) Tj ET Q q 0 0 0 rg BT 305.96 285.83 Td (esented) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 275.00 277.83 Td (in the Statement) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.65 269.83 Td (of Financial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.20 261.83 Td (Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 269.83 Td (Financial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.10 261.83 Td (Instruments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 424.20 269.83 Td (Cash Collateral) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.65 261.83 Td (Received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.20 261.83 Td (Net ) Tj ET Q q 0 0 0 rg BT 517.75 261.83 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 243.27 Td (Derivative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 233.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.50 233.17 Td (...............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.00 233.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.15 233.27 Td (3,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.00 233.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.65 233.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 233.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 233.27 Td (3,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 233.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 233.27 Td (2,310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 233.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 233.27 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.00 233.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 233.27 Td (721) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 211.10 Td (In ) Tj ET Q q 0 0 0 rg BT 81.04 211.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 116.53 211.10 Td (to ) Tj ET Q q 0 0 0 rg BT 127.03 211.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 147.51 211.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 187.42 211.10 Td (received ) Tj ET Q q 0 0 0 rg BT 224.00 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.93 211.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 280.53 211.10 Td (has ) Tj ET Q q 0 0 0 rg BT 296.58 211.10 Td (also ) Tj ET Q q 0 0 0 rg BT 315.40 211.10 Td (received ) Tj ET Q q 0 0 0 rg BT 351.98 211.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 398.57 211.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 439.05 211.10 Td (as ) Tj ET Q q 0 0 0 rg BT 450.10 211.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 490.01 211.10 Td (with ) Tj ET Q q 0 0 0 rg BT 510.50 211.10 Td (a ) Tj ET Q q 0 0 0 rg BT 517.66 211.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 534.25 211.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.16 199.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.99 199.10 Td ($1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.49 199.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.99 199.10 Td (million ) Tj ET Q q 0 0 0 rg BT 136.38 199.10 Td (as ) Tj ET Q q 0 0 0 rg BT 147.21 199.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.04 199.10 Td (December ) Tj ET Q q 0 0 0 rg BT 201.62 199.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 216.62 199.10 Td (2018. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 167.60000000000002 m 190.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190.5 167.60000000000002 m 194.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 167.60000000000002 m 264.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 167.60000000000002 m 268.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 167.60000000000002 m 338.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 167.60000000000002 m 342.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 167.60000000000002 m 412.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 167.60000000000002 m 416.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 167.60000000000002 m 486.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 167.60000000000002 m 490.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 167.60000000000002 m 560.5 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 143.60000000000002 m 412.5 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 143.60000000000002 m 416.5 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 143.60000000000002 m 486.5 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 143.60000000000002 m 490.5 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 143.60000000000002 m 560.5 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 98.60000000000002 m 190.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 98.60000000000002 m 264.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 98.60000000000002 m 338.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 98.60000000000002 m 412.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 98.60000000000002 m 486.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 98.60000000000002 m 490.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 98.60000000000002 m 560.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 98.60000000000002 m 190.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 98.60000000000002 m 264.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 98.60000000000002 m 338.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 98.60000000000002 m 412.5 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 98.60000000000002 m 486.5 98.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.75 173.28 Td (December) Tj ET Q q 0 0 0 rg BT 342.32 173.28 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 345.50 153.78 Td (Gr) Tj ET Q q 0 0 0 rg BT 355.13 153.78 Td (oss ) Tj ET Q q 0 0 0 rg BT 366.91 153.78 Td (Amounts Not Offset in the Consolidated Balance Sheets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 124.40 118.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 134.10 118.83 Td (oss ) Tj ET Q q 0 0 0 rg BT 146.03 118.83 Td (Amounts of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 135.40 110.83 Td (Recognized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 137.85 102.83 Td (Liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.70 126.83 Td (Gr) Tj ET Q q 0 0 0 rg BT 212.40 126.83 Td (oss ) Tj ET Q q 0 0 0 rg BT 224.33 126.83 Td (Amounts) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.85 118.83 Td (Offset in the) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 110.83 Td (Statement of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 198.20 102.83 Td (Financial Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.30 134.83 Td (Net ) Tj ET Q q 0 0 0 rg BT 290.07 134.83 Td (Amounts of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 285.85 126.83 Td (Liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 275.70 118.83 Td (pr) Tj ET Q q 0 0 0 rg BT 283.63 118.83 Td (esented in the) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 110.83 Td (Statement of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.20 102.83 Td (Financial Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 110.83 Td (Financial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.10 102.83 Td (Instruments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 424.20 110.83 Td (Cash Collateral) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.65 102.83 Td (Posted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.20 102.83 Td (Net ) Tj ET Q q 0 0 0 rg BT 517.75 102.83 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.00 75.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.15 75.27 Td (2,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.00 75.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.65 75.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 75.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 75.27 Td (2,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 75.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 75.27 Td (2,310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 75.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 75.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.00 75.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 75.27 Td (127) Tj ET Q BT /F1 10.00 Tf ET 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 (102) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 735.5 m 190.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190.5 735.5 m 194.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 735.5 m 264.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 735.5 m 268.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 735.5 m 338.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 735.5 m 342.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 735.5 m 412.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 735.5 m 416.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 735.5 m 486.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 735.5 m 490.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 735.5 m 560.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 714.5 m 412.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 714.5 m 416.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 714.5 m 486.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 714.5 m 490.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 714.5 m 560.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 669.5 m 190.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 669.5 m 264.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 669.5 m 338.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 669.5 m 412.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 669.5 m 486.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 669.5 m 490.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 669.5 m 560.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 669.5 m 190.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 669.5 m 264.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 669.5 m 338.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 669.5 m 412.5 669.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 669.5 m 486.5 669.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.75 740.18 Td (December) Tj ET Q q 0 0 0 rg BT 342.32 740.18 Td ( 31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 345.50 723.18 Td (Gr) Tj ET Q q 0 0 0 rg BT 355.13 723.18 Td (oss ) Tj ET Q q 0 0 0 rg BT 366.91 723.18 Td (Amounts Not Offset in the Consolidated Balance Sheets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 124.40 681.73 Td (Gr) Tj ET Q q 0 0 0 rg BT 134.10 681.73 Td (oss ) Tj ET Q q 0 0 0 rg BT 146.03 681.73 Td (Amounts of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 124.00 673.73 Td (Recognized ) Tj ET Q q 0 0 0 rg BT 164.88 673.73 Td (Assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.70 697.73 Td (Gr) Tj ET Q q 0 0 0 rg BT 212.40 697.73 Td (oss ) Tj ET Q q 0 0 0 rg BT 224.33 697.73 Td (Amounts) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.85 689.73 Td (Offset in the) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 681.73 Td (Statement of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 198.20 673.73 Td (Financial Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.30 705.73 Td (Net ) Tj ET Q q 0 0 0 rg BT 290.07 705.73 Td (Amounts of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.70 697.73 Td (Assets pr) Tj ET Q q 0 0 0 rg BT 305.96 697.73 Td (esented) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 275.00 689.73 Td (in the Statement) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.65 681.73 Td (of Financial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.20 673.73 Td (Position) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 681.73 Td (Financial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.10 673.73 Td (Instruments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 424.20 681.73 Td (Cash Collateral) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.65 673.73 Td (Received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.20 673.73 Td (Net ) Tj ET Q q 0 0 0 rg BT 517.75 673.73 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 656.17 Td (Derivative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 646.17 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.50 646.07 Td (...............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.15 646.17 Td (1,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.65 646.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 646.17 Td (1,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 646.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.15 646.17 Td (1,780) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 646.17 Td (184) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 624.00 Td (In ) Tj ET Q q 0 0 0 rg BT 81.04 624.00 Td (addition ) Tj ET Q q 0 0 0 rg BT 116.53 624.00 Td (to ) Tj ET Q q 0 0 0 rg BT 127.03 624.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 147.51 624.00 Td (collateral ) Tj ET Q q 0 0 0 rg BT 187.42 624.00 Td (received ) Tj ET Q q 0 0 0 rg BT 224.00 624.00 Td (the ) Tj ET Q q 0 0 0 rg BT 238.93 624.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 280.53 624.00 Td (has ) Tj ET Q q 0 0 0 rg BT 296.58 624.00 Td (also ) Tj ET Q q 0 0 0 rg BT 315.40 624.00 Td (received ) Tj ET Q q 0 0 0 rg BT 351.98 624.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 398.57 624.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 439.05 624.00 Td (as ) Tj ET Q q 0 0 0 rg BT 450.10 624.00 Td (collateral ) Tj ET Q q 0 0 0 rg BT 490.01 624.00 Td (with ) Tj ET Q q 0 0 0 rg BT 510.50 624.00 Td (a ) Tj ET Q q 0 0 0 rg BT 517.66 624.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 534.25 624.00 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 612.00 Td (value ) Tj ET Q q 0 0 0 rg BT 74.16 612.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.99 612.00 Td ($0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.49 612.00 Td ( ) Tj ET Q q 0 0 0 rg BT 104.99 612.00 Td (million ) Tj ET Q q 0 0 0 rg BT 136.38 612.00 Td (as ) Tj ET Q q 0 0 0 rg BT 147.21 612.00 Td (of ) Tj ET Q q 0 0 0 rg BT 158.04 612.00 Td (December ) Tj ET Q q 0 0 0 rg BT 201.62 612.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 216.62 612.00 Td (2017. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 594.00 Td (18. ) Tj ET Q q 0 0 0 rg BT 68.00 594.00 Td (Fair) Tj ET Q q 0 0 0 rg BT 86.14 594.00 Td ( ) Tj ET Q q 0 0 0 rg BT 88.46 594.00 Td (V) Tj ET Q q 0 0 0 rg BT 94.77 594.00 Td (alue of Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 576.00 Td (GAAP) Tj ET Q q 0 0 0 rg BT 96.86 576.00 Td ( ) Tj ET Q q 0 0 0 rg BT 99.08 576.00 Td (requires ) Tj ET Q q 0 0 0 rg BT 133.51 576.00 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 176.28 576.00 Td (of ) Tj ET Q q 0 0 0 rg BT 186.83 576.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 202.93 576.00 Td (value ) Tj ET Q q 0 0 0 rg BT 226.81 576.00 Td (information ) Tj ET Q q 0 0 0 rg BT 276.25 576.00 Td (about ) Tj ET Q q 0 0 0 rg BT 300.69 576.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 337.89 576.00 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 389.28 576.00 Td (whether ) Tj ET Q q 0 0 0 rg BT 423.71 576.00 Td (or ) Tj ET Q q 0 0 0 rg BT 434.26 576.00 Td (not ) Tj ET Q q 0 0 0 rg BT 449.26 576.00 Td (recognized ) Tj ET Q q 0 0 0 rg BT 495.35 576.00 Td (in ) Tj ET Q q 0 0 0 rg BT 505.35 576.00 Td (the ) Tj ET Q q 0 0 0 rg BT 519.79 576.00 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 564.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.96 564.00 Td (condition, ) Tj ET Q q 0 0 0 rg BT 103.87 564.00 Td (for ) Tj ET Q q 0 0 0 rg BT 118.16 564.00 Td (which ) Tj ET Q q 0 0 0 rg BT 145.23 564.00 Td (it ) Tj ET Q q 0 0 0 rg BT 153.42 564.00 Td (is ) Tj ET Q q 0 0 0 rg BT 162.72 564.00 Td (practicable ) Tj ET Q q 0 0 0 rg BT 209.21 564.00 Td (to ) Tj ET Q q 0 0 0 rg BT 219.62 564.00 Td (estimate ) Tj ET Q q 0 0 0 rg BT 255.57 564.00 Td (that ) Tj ET Q q 0 0 0 rg BT 273.20 564.00 Td (value. ) Tj ET Q q 0 0 0 rg BT 299.99 564.00 Td (In ) Tj ET Q q 0 0 0 rg BT 310.95 564.00 Td (cases ) Tj ET Q q 0 0 0 rg BT 334.68 564.00 Td (where ) Tj ET Q q 0 0 0 rg BT 361.74 564.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 391.59 564.00 Td (market ) Tj ET Q q 0 0 0 rg BT 421.98 564.00 Td (prices ) Tj ET Q q 0 0 0 rg BT 448.49 564.00 Td (are ) Tj ET Q q 0 0 0 rg BT 463.33 564.00 Td (not ) Tj ET Q q 0 0 0 rg BT 478.74 564.00 Td (available, ) Tj ET Q q 0 0 0 rg BT 519.96 564.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 536.47 564.00 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 552.00 Td (are ) Tj ET Q q 0 0 0 rg BT 65.91 552.00 Td (based ) Tj ET Q q 0 0 0 rg BT 92.38 552.00 Td (on ) Tj ET Q q 0 0 0 rg BT 106.08 552.00 Td (estimates ) Tj ET Q q 0 0 0 rg BT 146.99 552.00 Td (using ) Tj ET Q q 0 0 0 rg BT 172.36 552.00 Td (present ) Tj ET Q q 0 0 0 rg BT 204.94 552.00 Td (value ) Tj ET Q q 0 0 0 rg BT 230.29 552.00 Td (or ) Tj ET Q q 0 0 0 rg BT 242.32 552.00 Td (other ) Tj ET Q q 0 0 0 rg BT 266.57 552.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 307.48 552.00 Td (techniques. ) Tj ET Q q 0 0 0 rg BT 356.18 552.00 Td (Those ) Tj ET Q q 0 0 0 rg BT 384.32 552.00 Td (techniques ) Tj ET Q q 0 0 0 rg BT 430.78 552.00 Td (are ) Tj ET Q q 0 0 0 rg BT 446.69 552.00 Td (significantly ) Tj ET Q q 0 0 0 rg BT 500.38 552.00 Td (af) Tj ET Q q 0 0 0 rg BT 507.96 552.00 Td (fected ) Tj ET Q q 0 0 0 rg BT 536.09 552.00 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 552.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.00 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 101.89 540.00 Td (used, ) Tj ET Q q 0 0 0 rg BT 125.15 540.00 Td (including ) Tj ET Q q 0 0 0 rg BT 165.37 540.00 Td (the ) Tj ET Q q 0 0 0 rg BT 180.02 540.00 Td (discount ) Tj ET Q q 0 0 0 rg BT 216.35 540.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 237.66 540.00 Td (and ) Tj ET Q q 0 0 0 rg BT 254.54 540.00 Td (estimates ) Tj ET Q q 0 0 0 rg BT 294.19 540.00 Td (of ) Tj ET Q q 0 0 0 rg BT 304.95 540.00 Td (future ) Tj ET Q q 0 0 0 rg BT 331.27 540.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 351.48 540.00 Td (flows. ) Tj ET Q q 0 0 0 rg BT 378.64 540.00 Td (In ) Tj ET Q q 0 0 0 rg BT 389.40 540.00 Td (that ) Tj ET Q q 0 0 0 rg BT 406.84 540.00 Td (regard, ) Tj ET Q q 0 0 0 rg BT 437.31 540.00 Td (the ) Tj ET Q q 0 0 0 rg BT 451.97 540.00 Td (derived ) Tj ET Q q 0 0 0 rg BT 484.39 540.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 500.71 540.00 Td (value ) Tj ET Q q 0 0 0 rg BT 524.80 540.00 Td (estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.00 Td (cannot ) Tj ET Q q 0 0 0 rg BT 78.72 528.00 Td (be ) Tj ET Q q 0 0 0 rg BT 90.22 528.00 Td (substantiated ) Tj ET Q q 0 0 0 rg BT 144.50 528.00 Td (by ) Tj ET Q q 0 0 0 rg BT 156.56 528.00 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 209.17 528.00 Td (to ) Tj ET Q q 0 0 0 rg BT 219.02 528.00 Td (independent ) Tj ET Q q 0 0 0 rg BT 269.95 528.00 Td (markets ) Tj ET Q q 0 0 0 rg BT 303.67 528.00 Td (and, ) Tj ET Q q 0 0 0 rg BT 322.68 528.00 Td (in ) Tj ET Q q 0 0 0 rg BT 332.52 528.00 Td (many ) Tj ET Q q 0 0 0 rg BT 356.80 528.00 Td (cases, ) Tj ET Q q 0 0 0 rg BT 382.46 528.00 Td (could ) Tj ET Q q 0 0 0 rg BT 406.75 528.00 Td (not ) Tj ET Q q 0 0 0 rg BT 421.59 528.00 Td (be ) Tj ET Q q 0 0 0 rg BT 433.09 528.00 Td (realized ) Tj ET Q q 0 0 0 rg BT 466.80 528.00 Td (in ) Tj ET Q q 0 0 0 rg BT 476.64 528.00 Td (immediate ) Tj ET Q q 0 0 0 rg BT 520.91 528.00 Td (settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 516.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 516.00 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 516.00 Td (instrument.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 498.00 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.72 498.00 Td (uses ) Tj ET Q q 0 0 0 rg BT 144.46 498.00 Td (its ) Tj ET Q q 0 0 0 rg BT 156.43 498.00 Td (best ) Tj ET Q q 0 0 0 rg BT 175.05 498.00 Td (judgment ) Tj ET Q q 0 0 0 rg BT 215.35 498.00 Td (in ) Tj ET Q q 0 0 0 rg BT 225.64 498.00 Td (estimating ) Tj ET Q q 0 0 0 rg BT 269.82 498.00 Td (the ) Tj ET Q q 0 0 0 rg BT 284.56 498.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 300.95 498.00 Td (value ) Tj ET Q q 0 0 0 rg BT 325.13 498.00 Td (of ) Tj ET Q q 0 0 0 rg BT 335.98 498.00 Td (the ) Tj ET Q q 0 0 0 rg BT 350.71 498.00 Td (Company) Tj ET Q q 0 0 0 rg BT 392.38 498.00 Td (s ) Tj ET Q q 0 0 0 rg BT 398.79 498.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 436.29 498.00 Td (instruments; ) Tj ET Q q 0 0 0 rg BT 488.25 498.00 Td (however) Tj ET Q q 0 0 0 rg BT 522.28 498.00 Td (, ) Tj ET Q q 0 0 0 rg BT 527.29 498.00 Td (there ) Tj ET Q q 0 0 0 rg BT 549.80 498.00 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 486.00 Td (inherent ) Tj ET Q q 0 0 0 rg BT 85.98 486.00 Td (limitations ) Tj ET Q q 0 0 0 rg BT 131.97 486.00 Td (in ) Tj ET Q q 0 0 0 rg BT 142.96 486.00 Td (any ) Tj ET Q q 0 0 0 rg BT 160.62 486.00 Td (estimation ) Tj ET Q q 0 0 0 rg BT 205.49 486.00 Td (technique. ) Tj ET Q q 0 0 0 rg BT 249.84 486.00 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 294.97 486.00 Td (for ) Tj ET Q q 0 0 0 rg BT 309.85 486.00 Td (substantially ) Tj ET Q q 0 0 0 rg BT 363.61 486.00 Td (all ) Tj ET Q q 0 0 0 rg BT 376.82 486.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 415.02 486.00 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 467.40 486.00 Td (the ) Tj ET Q q 0 0 0 rg BT 482.83 486.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 499.92 486.00 Td (value ) Tj ET Q q 0 0 0 rg BT 524.79 486.00 Td (estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 474.00 Td (presented ) Tj ET Q q 0 0 0 rg BT 89.88 474.00 Td (herein ) Tj ET Q q 0 0 0 rg BT 116.44 474.00 Td (are ) Tj ET Q q 0 0 0 rg BT 130.21 474.00 Td (not ) Tj ET Q q 0 0 0 rg BT 144.56 474.00 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 190.55 474.00 Td (indicative ) Tj ET Q q 0 0 0 rg BT 231.55 474.00 Td (of ) Tj ET Q q 0 0 0 rg BT 241.45 474.00 Td (the ) Tj ET Q q 0 0 0 rg BT 255.24 474.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 290.69 474.00 Td (the ) Tj ET Q q 0 0 0 rg BT 304.48 474.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 344.93 474.00 Td (could ) Tj ET Q q 0 0 0 rg BT 368.72 474.00 Td (have ) Tj ET Q q 0 0 0 rg BT 389.16 474.00 Td (realized ) Tj ET Q q 0 0 0 rg BT 422.37 474.00 Td (in ) Tj ET Q q 0 0 0 rg BT 431.72 474.00 Td (a ) Tj ET Q q 0 0 0 rg BT 437.73 474.00 Td (sales ) Tj ET Q q 0 0 0 rg BT 458.74 474.00 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 506.56 474.00 Td (The ) Tj ET Q q 0 0 0 rg BT 523.68 474.00 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 462.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.46 462.00 Td (value ) Tj ET Q q 0 0 0 rg BT 90.71 462.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 127.18 462.00 Td (have ) Tj ET Q q 0 0 0 rg BT 148.64 462.00 Td (been ) Tj ET Q q 0 0 0 rg BT 170.11 462.00 Td (measured ) Tj ET Q q 0 0 0 rg BT 211.01 462.00 Td (as ) Tj ET Q q 0 0 0 rg BT 221.93 462.00 Td (of ) Tj ET Q q 0 0 0 rg BT 232.84 462.00 Td (the ) Tj ET Q q 0 0 0 rg BT 247.65 462.00 Td (respective ) Tj ET Q q 0 0 0 rg BT 290.77 462.00 Td (period-ends, ) Tj ET Q q 0 0 0 rg BT 343.06 462.00 Td (and ) Tj ET Q q 0 0 0 rg BT 360.09 462.00 Td (have ) Tj ET Q q 0 0 0 rg BT 381.55 462.00 Td (not ) Tj ET Q q 0 0 0 rg BT 396.92 462.00 Td (been ) Tj ET Q q 0 0 0 rg BT 418.38 462.00 Td (reevaluated ) Tj ET Q q 0 0 0 rg BT 467.04 462.00 Td (or ) Tj ET Q q 0 0 0 rg BT 477.96 462.00 Td (updated ) Tj ET Q q 0 0 0 rg BT 512.20 462.00 Td (for ) Tj ET Q q 0 0 0 rg BT 526.45 462.00 Td (purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 450.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.17 450.00 Td (these ) Tj ET Q q 0 0 0 rg BT 82.56 450.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 134.94 450.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 171.76 450.00 Td (statements ) Tj ET Q q 0 0 0 rg BT 215.82 450.00 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 262.09 450.00 Td (to ) Tj ET Q q 0 0 0 rg BT 271.71 450.00 Td (those ) Tj ET Q q 0 0 0 rg BT 294.66 450.00 Td (respective ) Tj ET Q q 0 0 0 rg BT 337.04 450.00 Td (dates. ) Tj ET Q q 0 0 0 rg BT 361.52 450.00 Td (As ) Tj ET Q q 0 0 0 rg BT 374.47 450.00 Td (such, ) Tj ET Q q 0 0 0 rg BT 397.14 450.00 Td (the ) Tj ET Q q 0 0 0 rg BT 411.20 450.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 451.36 450.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 467.08 450.00 Td (values ) Tj ET Q q 0 0 0 rg BT 494.47 450.00 Td (of ) Tj ET Q q 0 0 0 rg BT 504.64 450.00 Td (these ) Tj ET Q q 0 0 0 rg BT 527.03 450.00 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 438.00 Td (instruments ) Tj ET Q q 0 0 0 rg BT 99.17 438.00 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 146.10 438.00 Td (to ) Tj ET Q q 0 0 0 rg BT 156.38 438.00 Td (the ) Tj ET Q q 0 0 0 rg BT 171.10 438.00 Td (respective ) Tj ET Q q 0 0 0 rg BT 214.13 438.00 Td (reporting ) Tj ET Q q 0 0 0 rg BT 253.29 438.00 Td (dates ) Tj ET Q q 0 0 0 rg BT 276.33 438.00 Td (may ) Tj ET Q q 0 0 0 rg BT 296.05 438.00 Td (be ) Tj ET Q q 0 0 0 rg BT 307.99 438.00 Td (dif) Tj ET Q q 0 0 0 rg BT 318.92 438.00 Td (ferent ) Tj ET Q q 0 0 0 rg BT 344.73 438.00 Td (than ) Tj ET Q q 0 0 0 rg BT 364.45 438.00 Td (the ) Tj ET Q q 0 0 0 rg BT 379.17 438.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 415.55 438.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 451.37 438.00 Td (at ) Tj ET Q q 0 0 0 rg BT 461.08 438.00 Td (each ) Tj ET Q q 0 0 0 rg BT 481.90 438.00 Td (period-end.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 420.00 Td (The ) Tj ET Q q 0 0 0 rg BT 86.96 420.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.26 420.00 Td (assumes ) Tj ET Q q 0 0 0 rg BT 162.00 420.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 192.85 420.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 209.25 420.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 225.66 420.00 Td (\(the ) Tj ET Q q 0 0 0 rg BT 242.62 420.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 259.03 420.00 Td (that ) Tj ET Q q 0 0 0 rg BT 275.44 420.00 Td (general ) Tj ET Q q 0 0 0 rg BT 306.27 420.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 337.12 420.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 353.52 420.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 378.26 420.00 Td (will ) Tj ET Q q 0 0 0 rg BT 395.23 420.00 Td (change\) ) Tj ET Q q 0 0 0 rg BT 428.28 420.00 Td (as ) Tj ET Q q 0 0 0 rg BT 438.03 420.00 Td (a ) Tj ET Q q 0 0 0 rg BT 443.88 420.00 Td (result ) Tj ET Q q 0 0 0 rg BT 467.51 420.00 Td (of ) Tj ET Q q 0 0 0 rg BT 477.25 420.00 Td (its ) Tj ET Q q 0 0 0 rg BT 488.11 420.00 Td (normal ) Tj ET Q q 0 0 0 rg BT 517.85 420.00 Td (operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 408.00 Td (As ) Tj ET Q q 0 0 0 rg BT 63.76 408.00 Td (a ) Tj ET Q q 0 0 0 rg BT 70.85 408.00 Td (result, ) Tj ET Q q 0 0 0 rg BT 98.22 408.00 Td (the ) Tj ET Q q 0 0 0 rg BT 113.09 408.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 129.61 408.00 Td (values ) Tj ET Q q 0 0 0 rg BT 157.81 408.00 Td (of ) Tj ET Q q 0 0 0 rg BT 168.79 408.00 Td (the ) Tj ET Q q 0 0 0 rg BT 183.66 408.00 Td (Company) Tj ET Q q 0 0 0 rg BT 225.32 408.00 Td (s ) Tj ET Q q 0 0 0 rg BT 231.87 408.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 269.50 408.00 Td (instruments ) Tj ET Q q 0 0 0 rg BT 318.81 408.00 Td (will ) Tj ET Q q 0 0 0 rg BT 337.02 408.00 Td (change ) Tj ET Q q 0 0 0 rg BT 367.99 408.00 Td (when ) Tj ET Q q 0 0 0 rg BT 392.30 408.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.38 408.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 442.02 408.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 467.99 408.00 Td (change ) Tj ET Q q 0 0 0 rg BT 498.96 408.00 Td (and ) Tj ET Q q 0 0 0 rg BT 516.05 408.00 Td (that ) Tj ET Q q 0 0 0 rg BT 533.69 408.00 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 396.00 Td (may ) Tj ET Q q 0 0 0 rg BT 69.66 396.00 Td (be ) Tj ET Q q 0 0 0 rg BT 81.54 396.00 Td (either ) Tj ET Q q 0 0 0 rg BT 106.75 396.00 Td (favorable ) Tj ET Q q 0 0 0 rg BT 146.94 396.00 Td (or ) Tj ET Q q 0 0 0 rg BT 157.72 396.00 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 207.91 396.00 Td (to ) Tj ET Q q 0 0 0 rg BT 218.14 396.00 Td (the ) Tj ET Q q 0 0 0 rg BT 232.79 396.00 Td (Company) Tj ET Q q 0 0 0 rg BT 271.03 396.00 Td (. ) Tj ET Q q 0 0 0 rg BT 275.98 396.00 Td (Management ) Tj ET Q q 0 0 0 rg BT 330.62 396.00 Td (attempts ) Tj ET Q q 0 0 0 rg BT 366.94 396.00 Td (to ) Tj ET Q q 0 0 0 rg BT 377.17 396.00 Td (match ) Tj ET Q q 0 0 0 rg BT 404.04 396.00 Td (maturities ) Tj ET Q q 0 0 0 rg BT 446.48 396.00 Td (of ) Tj ET Q q 0 0 0 rg BT 457.25 396.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 483.02 396.00 Td (and ) Tj ET Q q 0 0 0 rg BT 499.90 396.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 539.56 396.00 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 396.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.00 Td (extent ) Tj ET Q q 0 0 0 rg BT 76.95 384.00 Td (believed ) Tj ET Q q 0 0 0 rg BT 113.34 384.00 Td (necessary ) Tj ET Q q 0 0 0 rg BT 154.73 384.00 Td (to ) Tj ET Q q 0 0 0 rg BT 165.03 384.00 Td (minimize ) Tj ET Q q 0 0 0 rg BT 205.32 384.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.27 384.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 254.78 384.00 Td (risk. ) Tj ET Q q 0 0 0 rg BT 274.79 384.00 Td (However) Tj ET Q q 0 0 0 rg BT 311.04 384.00 Td (, ) Tj ET Q q 0 0 0 rg BT 316.06 384.00 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 359.13 384.00 Td (with ) Tj ET Q q 0 0 0 rg BT 379.42 384.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 402.49 384.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 420.00 384.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 466.96 384.00 Td (are ) Tj ET Q q 0 0 0 rg BT 481.68 384.00 Td (less ) Tj ET Q q 0 0 0 rg BT 499.20 384.00 Td (likely ) Tj ET Q q 0 0 0 rg BT 524.50 384.00 Td (to ) Tj ET Q q 0 0 0 rg BT 534.79 384.00 Td (prepay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.00 Td (in ) Tj ET Q q 0 0 0 rg BT 60.79 372.00 Td (a ) Tj ET Q q 0 0 0 rg BT 68.25 372.00 Td (rising ) Tj ET Q q 0 0 0 rg BT 94.04 372.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 112.04 372.00 Td (environment ) Tj ET Q q 0 0 0 rg BT 165.59 372.00 Td (and ) Tj ET Q q 0 0 0 rg BT 183.05 372.00 Td (more ) Tj ET Q q 0 0 0 rg BT 206.61 372.00 Td (likely ) Tj ET Q q 0 0 0 rg BT 232.39 372.00 Td (to ) Tj ET Q q 0 0 0 rg BT 243.19 372.00 Td (prepay ) Tj ET Q q 0 0 0 rg BT 273.41 372.00 Td (in ) Tj ET Q q 0 0 0 rg BT 284.20 372.00 Td (a ) Tj ET Q q 0 0 0 rg BT 291.65 372.00 Td (falling ) Tj ET Q q 0 0 0 rg BT 320.77 372.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 338.77 372.00 Td (environment. ) Tj ET Q q 0 0 0 rg BT 394.83 372.00 Td (Conversely) Tj ET Q q 0 0 0 rg BT 439.72 372.00 Td (, ) Tj ET Q q 0 0 0 rg BT 445.24 372.00 Td (depositors ) Tj ET Q q 0 0 0 rg BT 489.36 372.00 Td (who ) Tj ET Q q 0 0 0 rg BT 509.60 372.00 Td (are ) Tj ET Q q 0 0 0 rg BT 524.82 372.00 Td (receiving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 72.93 360.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 94.19 360.00 Td (are ) Tj ET Q q 0 0 0 rg BT 108.78 360.00 Td (more ) Tj ET Q q 0 0 0 rg BT 131.71 360.00 Td (likely ) Tj ET Q q 0 0 0 rg BT 156.86 360.00 Td (to ) Tj ET Q q 0 0 0 rg BT 167.02 360.00 Td (withdraw ) Tj ET Q q 0 0 0 rg BT 207.17 360.00 Td (funds ) Tj ET Q q 0 0 0 rg BT 231.77 360.00 Td (before ) Tj ET Q q 0 0 0 rg BT 259.69 360.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 295.96 360.00 Td (in ) Tj ET Q q 0 0 0 rg BT 306.12 360.00 Td (a ) Tj ET Q q 0 0 0 rg BT 312.94 360.00 Td (rising ) Tj ET Q q 0 0 0 rg BT 338.10 360.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 355.46 360.00 Td (environment ) Tj ET Q q 0 0 0 rg BT 408.39 360.00 Td (and ) Tj ET Q q 0 0 0 rg BT 425.21 360.00 Td (less ) Tj ET Q q 0 0 0 rg BT 442.59 360.00 Td (likely ) Tj ET Q q 0 0 0 rg BT 467.75 360.00 Td (to ) Tj ET Q q 0 0 0 rg BT 477.91 360.00 Td (do ) Tj ET Q q 0 0 0 rg BT 490.29 360.00 Td (so ) Tj ET Q q 0 0 0 rg BT 501.56 360.00 Td (in ) Tj ET Q q 0 0 0 rg BT 511.72 360.00 Td (a ) Tj ET Q q 0 0 0 rg BT 518.54 360.00 Td (falling ) Tj ET Q q 0 0 0 rg BT 547.03 360.00 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.00 Td (environment. ) Tj ET Q q 0 0 0 rg BT 105.54 348.00 Td (Management ) Tj ET Q q 0 0 0 rg BT 160.24 348.00 Td (monitors ) Tj ET Q q 0 0 0 rg BT 198.30 348.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 219.68 348.00 Td (and ) Tj ET Q q 0 0 0 rg BT 236.62 348.00 Td (maturities ) Tj ET Q q 0 0 0 rg BT 279.11 348.00 Td (of ) Tj ET Q q 0 0 0 rg BT 289.94 348.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 315.77 348.00 Td (and ) Tj ET Q q 0 0 0 rg BT 332.71 348.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 372.42 348.00 Td (and ) Tj ET Q q 0 0 0 rg BT 389.36 348.00 Td (attempts ) Tj ET Q q 0 0 0 rg BT 425.74 348.00 Td (to ) Tj ET Q q 0 0 0 rg BT 436.02 348.00 Td (minimize ) Tj ET Q q 0 0 0 rg BT 476.29 348.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 508.22 348.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 525.71 348.00 Td (risk.) Tj ET Q endstream endobj 211 0 obj <> endobj 212 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 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 89.78 742.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 127.32 742.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 159.60 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 177.70 742.10 Td (values ) Tj ET Q q 0 0 0 rg BT 207.48 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.15 742.10 Td (placement ) Tj ET Q q 0 0 0 rg BT 271.46 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 283.47 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.92 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 318.02 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 343.91 742.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 385.89 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.45 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.89 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 456.56 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 464.68 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 503.89 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 554.78 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 730.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.08 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.02 730.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.02 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.52 730.10 Td (were ) Tj ET Q q 0 0 0 rg BT 192.45 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 203.28 730.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 700.6 m 326.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 700.6 m 330.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 700.6 m 385.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 700.6 m 389.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 700.6 m 444.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 700.6 m 448.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 700.6 m 503.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 700.6 m 507.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 700.6 m 562.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 679.6 m 326.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 679.6 m 385.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 679.6 m 444.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 679.6 m 503.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 679.6 m 562.5 679.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.25 704.83 Td (December) Tj ET Q q 0 0 0 rg BT 418.82 704.83 Td ( 31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.70 691.83 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.85 683.83 Td (V) Tj ET Q q 0 0 0 rg BT 293.89 683.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.20 691.83 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.85 683.83 Td (V) Tj ET Q q 0 0 0 rg BT 352.89 683.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.15 683.83 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.15 683.83 Td (Level2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.15 683.83 Td (Level3) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 392.15 670.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 656.27 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.44 656.27 Td (Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 641.27 Td (Cash and due from banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.00 641.17 Td (..........................................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 626.27 Td (2,701) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 626.27 Td (2,701) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 626.27 Td (2,701) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 626.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 626.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 611.27 Td (Marketable equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.00 611.17 Td (......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 611.27 Td (2,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 611.27 Td (2,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 611.27 Td (2,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 611.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 611.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 596.27 Td (A) Tj ET Q q 0 0 0 rg BT 65.85 596.27 Td (vailable for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.50 596.17 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 596.27 Td (93,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 596.27 Td (93,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 596.27 Td (9,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 596.27 Td (83,356) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 596.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 581.27 Td (Held to maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 581.17 Td (.........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 581.27 Td (21,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 581.27 Td (21,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 581.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 581.27 Td (1,098) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 581.27 Td (20,890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 566.27 Td (Loans receivable, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 566.17 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 566.27 Td (1,586,775) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.60 566.27 Td (1,584,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 566.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 566.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 566.27 Td (1,584,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 551.27 Td (Accrued interest receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.50 551.17 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 551.27 Td (6,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 551.27 Td (6,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 551.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 551.27 Td (6,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 551.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 536.27 Td (FHLB stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.50 536.17 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 536.27 Td (8,1) Tj ET Q q 0 0 0 rg BT 312.65 536.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 536.27 Td (8,1) Tj ET Q q 0 0 0 rg BT 371.65 536.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 536.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 536.27 Td (8,1) Tj ET Q q 0 0 0 rg BT 489.65 536.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 536.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 521.27 Td (Servicing asset, net of valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.50 521.17 Td (...............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 521.27 Td (870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 521.27 Td (870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 521.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 521.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 521.27 Td (870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 506.27 Td (Derivative asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 506.17 Td (...................................................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 476.27 Td (173,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 476.27 Td (173,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 476.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 476.27 Td (173,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 476.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 461.27 Td (NOW) Tj ET Q q 0 0 0 rg BT 82.79 461.27 Td ( and money market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 461.17 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 461.27 Td (533,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 461.27 Td (533,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 461.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 461.27 Td (533,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 461.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 446.27 Td (Savings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.00 446.17 Td (......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 446.27 Td (180,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 446.27 Td (180,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 446.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 446.27 Td (180,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 446.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 431.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 431.27 Td (ime deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.50 431.17 Td (.............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 431.27 Td (614,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 431.27 Td (616,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 431.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 431.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 431.27 Td (616,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 416.27 Td (Accrued interest payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 416.17 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 416.27 Td (1,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 416.27 Td (1,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 416.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 416.27 Td (1,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 416.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 401.27 Td (Advances from the FHLB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 401.17 Td (.........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 401.27 Td (160,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 401.27 Td (159,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 401.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 401.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 401.27 Td (159,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 386.27 Td (Subordinated debentures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 386.17 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 386.27 Td (25,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 386.27 Td (24,21) Tj ET Q q 0 0 0 rg BT 376.65 386.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 386.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 386.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 386.27 Td (24,21) Tj ET Q q 0 0 0 rg BT 553.65 386.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 371.27 Td (Servicing liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.00 371.17 Td (......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 371.27 Td (73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.65 371.27 Td (73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 371.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 371.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 371.27 Td (73) Tj ET Q BT /F1 10.00 Tf ET 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 (104) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 735.5 m 326.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 735.5 m 330.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 735.5 m 385.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 735.5 m 389.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 735.5 m 444.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 735.5 m 448.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 735.5 m 503.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 735.5 m 507.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 714.5 m 326.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 714.5 m 385.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 714.5 m 444.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 714.5 m 503.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 714.5 m 562.5 714.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.25 739.73 Td (December) Tj ET Q q 0 0 0 rg BT 418.82 739.73 Td ( 31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.70 726.73 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.85 718.73 Td (V) Tj ET Q q 0 0 0 rg BT 293.89 718.73 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.20 726.73 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.85 718.73 Td (V) Tj ET Q q 0 0 0 rg BT 352.89 718.73 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.15 718.73 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.15 718.73 Td (Level2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.15 718.73 Td (Level3) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 392.15 705.73 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 691.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.44 691.17 Td (Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 676.17 Td (Cash and due from banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.00 676.07 Td (..........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 676.17 Td (70,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 676.17 Td (70,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 676.17 Td (70,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 676.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 676.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 661.17 Td (Federal funds sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.00 661.07 Td (......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 661.17 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 661.17 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 661.17 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 661.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 661.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 646.17 Td (A) Tj ET Q q 0 0 0 rg BT 65.85 646.17 Td (vailable for sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.50 646.07 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 646.17 Td (92,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 646.17 Td (92,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 646.17 Td (9,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 646.17 Td (82,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 646.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 631.17 Td (Held to maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 631.07 Td (.........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 631.17 Td (21,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 631.17 Td (22,836) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 631.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 631.17 Td (1,1) Tj ET Q q 0 0 0 rg BT 489.65 631.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 631.17 Td (21,717) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 616.17 Td (Loans receivable, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 616.07 Td (.................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 616.17 Td (1,520,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.60 616.17 Td (1,494,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 616.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 616.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 616.17 Td (1,494,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 601.17 Td (Accrued interest receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.50 601.07 Td (.......................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 601.17 Td (5,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 601.17 Td (5,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 601.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 601.17 Td (5,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 601.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 586.17 Td (FHLB stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.50 586.07 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 586.17 Td (9,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 586.17 Td (9,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 586.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 586.17 Td (9,183) 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 59.00 571.17 Td (Servicing asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.50 571.07 Td (...........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 571.17 Td (1,1) Tj ET Q q 0 0 0 rg BT 312.65 571.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 571.17 Td (1,1) Tj ET Q q 0 0 0 rg BT 371.65 571.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 571.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 571.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 571.17 Td (1,1) Tj ET Q q 0 0 0 rg BT 548.65 571.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 556.17 Td (Derivative asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.50 556.07 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 556.17 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 556.17 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 556.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 556.17 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 556.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 541.17 Td (Financial Liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 526.17 Td (Demand deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.50 526.07 Td (.......................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 526.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 526.17 Td (172,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 526.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 526.17 Td (172,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 526.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 526.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 526.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 526.17 Td (172,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 526.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 526.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 511.17 Td (NOW) Tj ET Q q 0 0 0 rg BT 82.79 511.17 Td ( and money market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 511.07 Td (...........................................) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 496.17 Td (83,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 496.17 Td (83,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 496.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 496.17 Td (83,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 496.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 481.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 481.17 Td (ime deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.50 481.07 Td (.............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 481.17 Td (631,263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 481.17 Td (629,532) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 481.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 481.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 481.17 Td (629,532) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 466.17 Td (Accrued interest payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 466.07 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 466.17 Td (1,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 466.17 Td (1,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 466.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 466.17 Td (1,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 466.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 451.17 Td (Advances from the FHLB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 451.07 Td (.........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 451.17 Td (199,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 451.17 Td (198,932) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 451.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 451.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 451.17 Td (198,932) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 436.17 Td (Subordinated debentures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.50 436.07 Td (...........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 436.17 Td (25,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 436.17 Td (25,457) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 436.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 436.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 436.17 Td (25,457) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 421.17 Td (Service liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.00 421.07 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 421.17 Td (83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.65 421.17 Td (83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 421.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 421.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 421.17 Td (83) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 399.00 Td (The ) Tj ET Q q 0 0 0 rg BT 87.99 399.00 Td (following ) Tj ET Q q 0 0 0 rg BT 129.32 399.00 Td (methods ) Tj ET Q q 0 0 0 rg BT 165.66 399.00 Td (and ) Tj ET Q q 0 0 0 rg BT 182.54 399.00 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 234.43 399.00 Td (were ) Tj ET Q q 0 0 0 rg BT 256.31 399.00 Td (used ) Tj ET Q q 0 0 0 rg BT 277.08 399.00 Td (by ) Tj ET Q q 0 0 0 rg BT 289.53 399.00 Td (management ) Tj ET Q q 0 0 0 rg BT 343.06 399.00 Td (in ) Tj ET Q q 0 0 0 rg BT 353.29 399.00 Td (estimating ) Tj ET Q q 0 0 0 rg BT 397.39 399.00 Td (the ) Tj ET Q q 0 0 0 rg BT 412.05 399.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 428.38 399.00 Td (value ) Tj ET Q q 0 0 0 rg BT 452.48 399.00 Td (of ) Tj ET Q q 0 0 0 rg BT 463.25 399.00 Td (its ) Tj ET Q q 0 0 0 rg BT 475.15 399.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 512.57 399.00 Td (instruments:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 381.00 Td (Cash ) Tj ET Q q 0 0 0 rg BT 90.40 381.00 Td (and ) Tj ET Q q 0 0 0 rg BT 107.24 381.00 Td (due ) Tj ET Q q 0 0 0 rg BT 123.51 381.00 Td (fr) Tj ET Q q 0 0 0 rg BT 129.81 381.00 Td (om ) Tj ET Q q 0 0 0 rg BT 143.87 381.00 Td (banks, ) Tj ET Q q 0 0 0 rg BT 171.54 381.00 Td (federal ) Tj ET Q q 0 0 0 rg BT 201.70 381.00 Td (funds ) Tj ET Q q 0 0 0 rg BT 225.21 381.00 Td (sold, ) Tj ET Q q 0 0 0 rg BT 246.21 381.00 Td (accrued ) Tj ET Q q 0 0 0 rg BT 280.26 381.00 Td (inter) Tj ET Q q 0 0 0 rg BT 298.77 381.00 Td (est ) Tj ET Q q 0 0 0 rg BT 311.72 381.00 Td (r) Tj ET Q q 0 0 0 rg BT 315.24 381.00 Td (eceivable ) Tj ET Q q 0 0 0 rg BT 354.83 381.00 Td (and ) Tj ET Q q 0 0 0 rg BT 371.67 381.00 Td (accrued ) Tj ET Q q 0 0 0 rg BT 405.71 381.00 Td (inter) Tj ET Q q 0 0 0 rg BT 424.23 381.00 Td (est ) Tj ET Q q 0 0 0 rg BT 437.17 381.00 Td (payable:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.16 381.00 Td () Tj ET Q q 0 0 0 rg BT 479.48 381.00 Td (The ) Tj ET Q q 0 0 0 rg BT 496.86 381.00 Td (carrying ) Tj ET Q q 0 0 0 rg BT 532.01 381.00 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.00 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 369.00 Td (a ) Tj ET Q q 0 0 0 rg BT 66.11 369.00 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 111.36 369.00 Td (estimate ) Tj ET Q q 0 0 0 rg BT 147.18 369.00 Td (of ) Tj ET Q q 0 0 0 rg BT 158.01 369.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 174.39 369.00 Td (value.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 351.00 Td (Marketable ) Tj ET Q q 0 0 0 rg BT 116.75 351.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 143.83 351.00 Td (securities, ) Tj ET Q q 0 0 0 rg BT 187.31 351.00 Td (available ) Tj ET Q q 0 0 0 rg BT 227.18 351.00 Td (for ) Tj ET Q q 0 0 0 rg BT 241.50 351.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 260.27 351.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 301.24 351.00 Td (and ) Tj ET Q q 0 0 0 rg BT 318.90 351.00 Td (held ) Tj ET Q q 0 0 0 rg BT 338.77 351.00 Td (to ) Tj ET Q q 0 0 0 rg BT 349.20 351.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 385.74 351.00 Td (securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.40 351.00 Td (Fair ) Tj ET Q q 0 0 0 rg BT 453.66 351.00 Td (values ) Tj ET Q q 0 0 0 rg BT 481.86 351.00 Td (are ) Tj ET Q q 0 0 0 rg BT 496.72 351.00 Td (based ) Tj ET Q q 0 0 0 rg BT 522.14 351.00 Td (on ) Tj ET Q q 0 0 0 rg BT 534.80 351.00 Td (quoted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 339.00 Td (market ) Tj ET Q q 0 0 0 rg BT 80.29 339.00 Td (prices ) Tj ET Q q 0 0 0 rg BT 106.69 339.00 Td (or ) Tj ET Q q 0 0 0 rg BT 117.55 339.00 Td (dealer ) Tj ET Q q 0 0 0 rg BT 144.50 339.00 Td (quotes, ) Tj ET Q q 0 0 0 rg BT 175.63 339.00 Td (if ) Tj ET Q q 0 0 0 rg BT 184.27 339.00 Td (available. ) Tj ET Q q 0 0 0 rg BT 225.38 339.00 Td (If ) Tj ET Q q 0 0 0 rg BT 234.57 339.00 Td (a ) Tj ET Q q 0 0 0 rg BT 241.53 339.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 271.27 339.00 Td (market ) Tj ET Q q 0 0 0 rg BT 301.56 339.00 Td (price ) Tj ET Q q 0 0 0 rg BT 324.08 339.00 Td (is ) Tj ET Q q 0 0 0 rg BT 333.27 339.00 Td (not ) Tj ET Q q 0 0 0 rg BT 348.58 339.00 Td (available, ) Tj ET Q q 0 0 0 rg BT 389.69 339.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 406.09 339.00 Td (value ) Tj ET Q q 0 0 0 rg BT 430.27 339.00 Td (is ) Tj ET Q q 0 0 0 rg BT 439.47 339.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 480.32 339.00 Td (using ) Tj ET Q q 0 0 0 rg BT 504.51 339.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 534.25 339.00 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 327.00 Td (prices ) Tj ET Q q 0 0 0 rg BT 75.80 327.00 Td (for ) Tj ET Q q 0 0 0 rg BT 89.38 327.00 Td (similar ) Tj ET Q q 0 0 0 rg BT 119.08 327.00 Td (securities. ) Tj ET Q q 0 0 0 rg BT 161.13 327.00 Td (The ) Tj ET Q q 0 0 0 rg BT 178.60 327.00 Td (majority ) Tj ET Q q 0 0 0 rg BT 214.41 327.00 Td (of ) Tj ET Q q 0 0 0 rg BT 224.66 327.00 Td (the ) Tj ET Q q 0 0 0 rg BT 238.80 327.00 Td (available ) Tj ET Q q 0 0 0 rg BT 276.81 327.00 Td (for ) Tj ET Q q 0 0 0 rg BT 290.40 327.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 307.87 327.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 347.56 327.00 Td (are ) Tj ET Q q 0 0 0 rg BT 361.69 327.00 Td (considered ) Tj ET Q q 0 0 0 rg BT 406.93 327.00 Td (to ) Tj ET Q q 0 0 0 rg BT 416.63 327.00 Td (be ) Tj ET Q q 0 0 0 rg BT 427.99 327.00 Td (Level ) Tj ET Q q 0 0 0 rg BT 452.68 327.00 Td (2 ) Tj ET Q q 0 0 0 rg BT 459.60 327.00 Td (as ) Tj ET Q q 0 0 0 rg BT 469.86 327.00 Td (other ) Tj ET Q q 0 0 0 rg BT 492.33 327.00 Td (observable ) Tj ET Q q 0 0 0 rg BT 537.57 327.00 Td (inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 315.00 Td (are ) Tj ET Q q 0 0 0 rg BT 64.51 315.00 Td (utilized, ) Tj ET Q q 0 0 0 rg BT 99.31 315.00 Td (such ) Tj ET Q q 0 0 0 rg BT 119.95 315.00 Td (as ) Tj ET Q q 0 0 0 rg BT 130.58 315.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 160.10 315.00 Td (prices ) Tj ET Q q 0 0 0 rg BT 186.29 315.00 Td (for ) Tj ET Q q 0 0 0 rg BT 200.25 315.00 Td (similar ) Tj ET Q q 0 0 0 rg BT 230.33 315.00 Td (securities. ) Tj ET Q q 0 0 0 rg BT 272.90 315.00 Td (Level ) Tj ET Q q 0 0 0 rg BT 297.97 315.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 305.28 315.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 351.47 315.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 391.54 315.00 Td (include ) Tj ET Q q 0 0 0 rg BT 423.28 315.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 473.36 315.00 Td (in ) Tj ET Q q 0 0 0 rg BT 483.44 315.00 Td (a ) Tj ET Q q 0 0 0 rg BT 490.19 315.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 510.28 315.00 Td (treasury ) Tj ET Q q 0 0 0 rg BT 544.79 315.00 Td (note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 303.00 Td (and ) Tj ET Q q 0 0 0 rg BT 66.80 303.00 Td (in ) Tj ET Q q 0 0 0 rg BT 76.94 303.00 Td (marketable ) Tj ET Q q 0 0 0 rg BT 123.72 303.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 151.07 303.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 191.19 303.00 Td (for ) Tj ET Q q 0 0 0 rg BT 205.21 303.00 Td (which ) Tj ET Q q 0 0 0 rg BT 232.01 303.00 Td (a ) Tj ET Q q 0 0 0 rg BT 238.81 303.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 268.39 303.00 Td (price ) Tj ET Q q 0 0 0 rg BT 290.73 303.00 Td (is ) Tj ET Q q 0 0 0 rg BT 299.76 303.00 Td (readily ) Tj ET Q q 0 0 0 rg BT 329.89 303.00 Td (available ) Tj ET Q q 0 0 0 rg BT 368.33 303.00 Td (in ) Tj ET Q q 0 0 0 rg BT 378.47 303.00 Td (the ) Tj ET Q q 0 0 0 rg BT 393.05 303.00 Td (market. ) Tj ET Q q 0 0 0 rg BT 425.67 303.00 Td (Level3 ) Tj ET Q q 0 0 0 rg BT 458.30 303.00 Td (held ) Tj ET Q q 0 0 0 rg BT 477.87 303.00 Td (to ) Tj ET Q q 0 0 0 rg BT 488.01 303.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 524.25 303.00 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 291.00 Td (represent ) Tj ET Q q 0 0 0 rg BT 89.20 291.00 Td (private ) Tj ET Q q 0 0 0 rg BT 119.52 291.00 Td (placement ) Tj ET Q q 0 0 0 rg BT 163.16 291.00 Td (municipal ) Tj ET Q q 0 0 0 rg BT 205.70 291.00 Td (housing ) Tj ET Q q 0 0 0 rg BT 239.93 291.00 Td (authority ) Tj ET Q q 0 0 0 rg BT 278.58 291.00 Td (bonds ) Tj ET Q q 0 0 0 rg BT 305.03 291.00 Td (for ) Tj ET Q q 0 0 0 rg BT 319.24 291.00 Td (which ) Tj ET Q q 0 0 0 rg BT 346.24 291.00 Td (no ) Tj ET Q q 0 0 0 rg BT 358.79 291.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 388.56 291.00 Td (market ) Tj ET Q q 0 0 0 rg BT 418.88 291.00 Td (price ) Tj ET Q q 0 0 0 rg BT 441.42 291.00 Td (is ) Tj ET Q q 0 0 0 rg BT 450.64 291.00 Td (available. ) Tj ET Q q 0 0 0 rg BT 491.60 291.00 Td (The ) Tj ET Q q 0 0 0 rg BT 509.70 291.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 526.13 291.00 Td (value ) Tj ET Q q 0 0 0 rg BT 550.34 291.00 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 279.00 Td (these ) Tj ET Q q 0 0 0 rg BT 72.00 279.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 111.22 279.00 Td (is ) Tj ET Q q 0 0 0 rg BT 119.34 279.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 159.12 279.00 Td (using ) Tj ET Q q 0 0 0 rg BT 182.24 279.00 Td (a ) Tj ET Q q 0 0 0 rg BT 188.13 279.00 Td (discounted ) Tj ET Q q 0 0 0 rg BT 232.91 279.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 252.14 279.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 271.92 279.00 Td (model, ) Tj ET Q q 0 0 0 rg BT 300.87 279.00 Td (using ) Tj ET Q q 0 0 0 rg BT 323.99 279.00 Td (discount ) Tj ET Q q 0 0 0 rg BT 359.33 279.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 379.67 279.00 Td (ranging ) Tj ET Q q 0 0 0 rg BT 411.67 279.00 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.56 279.00 Td (4.7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.39 279.00 Td ( ) Tj ET Q q 0 0 0 rg BT 454.84 279.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.08 279.00 Td (5.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.91 279.00 Td ( ) Tj ET Q q 0 0 0 rg BT 486.36 279.00 Td (as ) Tj ET Q q 0 0 0 rg BT 496.14 279.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 279.00 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 267.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 267.00 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 267.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 267.00 Td (4.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.27 267.00 Td ( ) Tj ET Q q 0 0 0 rg BT 112.77 267.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.05 267.00 Td (4.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.88 267.00 Td ( ) Tj ET Q q 0 0 0 rg BT 146.38 267.00 Td (as ) Tj ET Q q 0 0 0 rg BT 157.21 267.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.04 267.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 226.62 267.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.62 267.00 Td (. ) Tj ET Q q 0 0 0 rg BT 251.44 267.00 Td (These ) Tj ET Q q 0 0 0 rg BT 277.82 267.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 318.08 267.00 Td (are ) Tj ET Q q 0 0 0 rg BT 332.79 267.00 Td (CRA) Tj ET Q q 0 0 0 rg BT 352.80 267.00 Td ( ) Tj ET Q q 0 0 0 rg BT 355.30 267.00 Td (eligible ) Tj ET Q q 0 0 0 rg BT 387.79 267.00 Td (investments.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 249.00 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 95.25 249.00 Td (stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.63 249.00 Td (The ) Tj ET Q q 0 0 0 rg BT 144.43 249.00 Td (carrying ) Tj ET Q q 0 0 0 rg BT 180.00 249.00 Td (value ) Tj ET Q q 0 0 0 rg BT 203.91 249.00 Td (of ) Tj ET Q q 0 0 0 rg BT 214.49 249.00 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 242.31 249.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 265.67 249.00 Td (approximates ) Tj ET Q q 0 0 0 rg BT 321.79 249.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 337.92 249.00 Td (value ) Tj ET Q q 0 0 0 rg BT 361.83 249.00 Td (based ) Tj ET Q q 0 0 0 rg BT 386.85 249.00 Td (on ) Tj ET Q q 0 0 0 rg BT 399.11 249.00 Td (the ) Tj ET Q q 0 0 0 rg BT 413.58 249.00 Td (most ) Tj ET Q q 0 0 0 rg BT 435.28 249.00 Td (recent ) Tj ET Q q 0 0 0 rg BT 461.96 249.00 Td (redemption ) Tj ET Q q 0 0 0 rg BT 509.75 249.00 Td (provisions ) Tj ET Q q 0 0 0 rg BT 553.68 249.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 237.00 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 237.00 Td (FHLB.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 219.00 Td (Loans ) Tj ET Q q 0 0 0 rg BT 94.85 219.00 Td (r) Tj ET Q q 0 0 0 rg BT 98.37 219.00 Td (eceivable:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.45 219.00 Td (For ) Tj ET Q q 0 0 0 rg BT 163.23 219.00 Td (variable ) Tj ET Q q 0 0 0 rg BT 197.82 219.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 215.20 219.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 238.70 219.00 Td (which ) Tj ET Q q 0 0 0 rg BT 265.53 219.00 Td (reprice ) Tj ET Q q 0 0 0 rg BT 295.68 219.00 Td (frequently ) Tj ET Q q 0 0 0 rg BT 339.17 219.00 Td (and ) Tj ET Q q 0 0 0 rg BT 356.00 219.00 Td (have ) Tj ET Q q 0 0 0 rg BT 377.27 219.00 Td (no ) Tj ET Q q 0 0 0 rg BT 389.66 219.00 Td (significant ) Tj ET Q q 0 0 0 rg BT 434.26 219.00 Td (change ) Tj ET Q q 0 0 0 rg BT 464.97 219.00 Td (in ) Tj ET Q q 0 0 0 rg BT 475.14 219.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 500.30 219.00 Td (risk, ) Tj ET Q q 0 0 0 rg BT 520.19 219.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 536.46 219.00 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.00 Td (are ) Tj ET Q q 0 0 0 rg BT 64.65 207.00 Td (based ) Tj ET Q q 0 0 0 rg BT 89.86 207.00 Td (on ) Tj ET Q q 0 0 0 rg BT 102.31 207.00 Td (carrying ) Tj ET Q q 0 0 0 rg BT 138.07 207.00 Td (values. ) Tj ET Q q 0 0 0 rg BT 168.38 207.00 Td (The ) Tj ET Q q 0 0 0 rg BT 186.37 207.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 202.69 207.00 Td (value ) Tj ET Q q 0 0 0 rg BT 226.79 207.00 Td (of ) Tj ET Q q 0 0 0 rg BT 237.56 207.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 260.56 207.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 277.98 207.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 301.54 207.00 Td (are ) Tj ET Q q 0 0 0 rg BT 316.19 207.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 356.95 207.00 Td (by ) Tj ET Q q 0 0 0 rg BT 369.40 207.00 Td (discounting ) Tj ET Q q 0 0 0 rg BT 418.50 207.00 Td (the ) Tj ET Q q 0 0 0 rg BT 433.17 207.00 Td (future ) Tj ET Q q 0 0 0 rg BT 459.49 207.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 479.70 207.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 504.36 207.00 Td (using ) Tj ET Q q 0 0 0 rg BT 528.48 207.00 Td (the ) Tj ET Q q 0 0 0 rg BT 543.14 207.00 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.00 Td (at ) Tj ET Q q 0 0 0 rg BT 60.24 195.00 Td (which ) Tj ET Q q 0 0 0 rg BT 87.70 195.00 Td (similar ) Tj ET Q q 0 0 0 rg BT 118.49 195.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 142.62 195.00 Td (would ) Tj ET Q q 0 0 0 rg BT 170.64 195.00 Td (be ) Tj ET Q q 0 0 0 rg BT 183.10 195.00 Td (made ) Tj ET Q q 0 0 0 rg BT 207.78 195.00 Td (to ) Tj ET Q q 0 0 0 rg BT 218.58 195.00 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 262.14 195.00 Td (with ) Tj ET Q q 0 0 0 rg BT 282.94 195.00 Td (similar ) Tj ET Q q 0 0 0 rg BT 313.74 195.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 339.52 195.00 Td (ratings ) Tj ET Q q 0 0 0 rg BT 369.76 195.00 Td (and ) Tj ET Q q 0 0 0 rg BT 387.22 195.00 Td (for ) Tj ET Q q 0 0 0 rg BT 401.90 195.00 Td (the ) Tj ET Q q 0 0 0 rg BT 417.14 195.00 Td (same ) Tj ET Q q 0 0 0 rg BT 440.71 195.00 Td (remaining ) Tj ET Q q 0 0 0 rg BT 484.27 195.00 Td (maturities. ) Tj ET Q q 0 0 0 rg BT 529.57 195.00 Td (The ) Tj ET Q q 0 0 0 rg BT 548.14 195.00 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 183.00 Td (value ) Tj ET Q q 0 0 0 rg BT 74.41 183.00 Td (methodology ) Tj ET Q q 0 0 0 rg BT 129.93 183.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 166.01 183.00 Td (prepayment, ) Tj ET Q q 0 0 0 rg BT 218.46 183.00 Td (default ) Tj ET Q q 0 0 0 rg BT 248.98 183.00 Td (and ) Tj ET Q q 0 0 0 rg BT 266.17 183.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 284.48 183.00 Td (severity ) Tj ET Q q 0 0 0 rg BT 318.89 183.00 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 371.09 183.00 Td (applied ) Tj ET Q q 0 0 0 rg BT 403.27 183.00 Td (by ) Tj ET Q q 0 0 0 rg BT 416.02 183.00 Td (type ) Tj ET Q q 0 0 0 rg BT 435.99 183.00 Td (of ) Tj ET Q q 0 0 0 rg BT 447.07 183.00 Td (loan. ) Tj ET Q q 0 0 0 rg BT 469.34 183.00 Td (The ) Tj ET Q q 0 0 0 rg BT 487.64 183.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 504.27 183.00 Td (value ) Tj ET Q q 0 0 0 rg BT 528.68 183.00 Td (estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 171.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 171.00 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 171.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 99.16 171.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 134.98 171.00 Td (an ) Tj ET Q q 0 0 0 rg BT 146.92 171.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 184.95 171.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 210.21 171.00 Td (loss.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 153.00 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 112.48 153.00 Td (asset ) Tj ET Q q 0 0 0 rg BT 134.76 153.00 Td (\(liability\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.86 153.00 Td ( ) Tj ET Q q 0 0 0 rg BT 177.98 153.00 Td (The ) Tj ET Q q 0 0 0 rg BT 195.80 153.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 235.30 153.00 Td (of ) Tj ET Q q 0 0 0 rg BT 245.91 153.00 Td (the ) Tj ET Q q 0 0 0 rg BT 260.40 153.00 Td (Company) Tj ET Q q 0 0 0 rg BT 302.07 153.00 Td (s ) Tj ET Q q 0 0 0 rg BT 308.24 153.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 339.95 153.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 357.22 153.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 383.94 153.00 Td (is ) Tj ET Q q 0 0 0 rg BT 392.89 153.00 Td (obtained ) Tj ET Q q 0 0 0 rg BT 429.61 153.00 Td (from ) Tj ET Q q 0 0 0 rg BT 451.33 153.00 Td (a ) Tj ET Q q 0 0 0 rg BT 458.05 153.00 Td (third-party ) Tj ET Q q 0 0 0 rg BT 503.09 153.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 533.69 153.00 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 141.00 Td (and ) Tj ET Q q 0 0 0 rg BT 67.38 141.00 Td (is ) Tj ET Q q 0 0 0 rg BT 76.99 141.00 Td (determined ) Tj ET Q q 0 0 0 rg BT 124.90 141.00 Td (using ) Tj ET Q q 0 0 0 rg BT 149.51 141.00 Td (a ) Tj ET Q q 0 0 0 rg BT 156.89 141.00 Td (discounted ) Tj ET Q q 0 0 0 rg BT 203.15 141.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 223.86 141.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 245.13 141.00 Td (analysis ) Tj ET Q q 0 0 0 rg BT 280.28 141.00 Td (on ) Tj ET Q q 0 0 0 rg BT 293.22 141.00 Td (the ) Tj ET Q q 0 0 0 rg BT 308.38 141.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 346.85 141.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 367.56 141.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 392.72 141.00 Td (of ) Tj ET Q q 0 0 0 rg BT 403.98 141.00 Td (each ) Tj ET Q q 0 0 0 rg BT 425.24 141.00 Td (derivative. ) Tj ET Q q 0 0 0 rg BT 470.44 141.00 Td (The ) Tj ET Q q 0 0 0 rg BT 488.93 141.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 520.19 141.00 Td (analysis ) Tj ET Q q 0 0 0 rg BT 555.35 141.00 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 129.00 Td (based ) Tj ET Q q 0 0 0 rg BT 75.37 129.00 Td (on ) Tj ET Q q 0 0 0 rg BT 87.97 129.00 Td (observable ) Tj ET Q q 0 0 0 rg BT 133.88 129.00 Td (inputs ) Tj ET Q q 0 0 0 rg BT 160.93 129.00 Td (for ) Tj ET Q q 0 0 0 rg BT 175.19 129.00 Td (the ) Tj ET Q q 0 0 0 rg BT 190.00 129.00 Td (contractual ) Tj ET Q q 0 0 0 rg BT 237.02 129.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 261.84 129.00 Td (of ) Tj ET Q q 0 0 0 rg BT 272.77 129.00 Td (the ) Tj ET Q q 0 0 0 rg BT 287.58 129.00 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 336.55 129.00 Td (including ) Tj ET Q q 0 0 0 rg BT 376.93 129.00 Td (the ) Tj ET Q q 0 0 0 rg BT 391.74 129.00 Td (period ) Tj ET Q q 0 0 0 rg BT 419.89 129.00 Td (to ) Tj ET Q q 0 0 0 rg BT 430.27 129.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 466.75 129.00 Td (and ) Tj ET Q q 0 0 0 rg BT 483.78 129.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.82 129.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 533.40 129.00 Td (curves. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 117.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 117.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.66 117.00 Td (also ) Tj ET Q q 0 0 0 rg BT 110.26 117.00 Td (considers ) Tj ET Q q 0 0 0 rg BT 150.53 117.00 Td (the ) Tj ET Q q 0 0 0 rg BT 165.25 117.00 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 233.84 117.00 Td (of ) Tj ET Q q 0 0 0 rg BT 244.67 117.00 Td (each ) Tj ET Q q 0 0 0 rg BT 265.49 117.00 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 318.52 117.00 Td (for ) Tj ET Q q 0 0 0 rg BT 332.68 117.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 358.51 117.00 Td (and ) Tj ET Q q 0 0 0 rg BT 375.45 117.00 Td (the ) Tj ET Q q 0 0 0 rg BT 390.17 117.00 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 458.76 117.00 Td (of ) Tj ET Q q 0 0 0 rg BT 469.59 117.00 Td (the ) Tj ET Q q 0 0 0 rg BT 484.31 117.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 507.92 117.00 Td (for ) Tj ET Q q 0 0 0 rg BT 522.08 117.00 Td (liabilities.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 99.00 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 108.72 99.00 Td (Asset ) Tj ET Q q 0 0 0 rg BT 133.02 99.00 Td (\(liability\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.62 99.00 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 223.13 99.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 249.65 99.00 Td (and ) Tj ET Q q 0 0 0 rg BT 267.28 99.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 307.69 99.00 Td (do ) Tj ET Q q 0 0 0 rg BT 320.88 99.00 Td (not ) Tj ET Q q 0 0 0 rg BT 336.85 99.00 Td (trade ) Tj ET Q q 0 0 0 rg BT 360.02 99.00 Td (in ) Tj ET Q q 0 0 0 rg BT 370.99 99.00 Td (an ) Tj ET Q q 0 0 0 rg BT 383.62 99.00 Td (active, ) Tj ET Q q 0 0 0 rg BT 413.18 99.00 Td (open ) Tj ET Q q 0 0 0 rg BT 435.81 99.00 Td (market ) Tj ET Q q 0 0 0 rg BT 466.76 99.00 Td (with ) Tj ET Q q 0 0 0 rg BT 487.73 99.00 Td (readily ) Tj ET Q q 0 0 0 rg BT 518.69 99.00 Td (observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.00 Td (prices. ) Tj ET Q q 0 0 0 rg BT 78.56 87.00 Td (The ) Tj ET Q q 0 0 0 rg BT 96.47 87.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 137.71 87.00 Td (estimates ) Tj ET Q q 0 0 0 rg BT 177.28 87.00 Td (the ) Tj ET Q q 0 0 0 rg BT 191.86 87.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 208.09 87.00 Td (value ) Tj ET Q q 0 0 0 rg BT 232.10 87.00 Td (of ) Tj ET Q q 0 0 0 rg BT 242.79 87.00 Td (servicing ) Tj ET Q q 0 0 0 rg BT 281.80 87.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 307.49 87.00 Td (and ) Tj ET Q q 0 0 0 rg BT 324.29 87.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 363.86 87.00 Td (using ) Tj ET Q q 0 0 0 rg BT 387.89 87.00 Td (discounted ) Tj ET Q q 0 0 0 rg BT 433.57 87.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 453.70 87.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 474.38 87.00 Td (models, ) Tj ET Q q 0 0 0 rg BT 508.13 87.00 Td (incorporating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.00 Td (numerous ) Tj ET Q q 0 0 0 rg BT 91.94 75.00 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 143.89 75.00 Td (from ) Tj ET Q q 0 0 0 rg BT 165.83 75.00 Td (the ) Tj ET Q q 0 0 0 rg BT 180.54 75.00 Td (perspective ) Tj ET Q q 0 0 0 rg BT 228.57 75.00 Td (of ) Tj ET Q q 0 0 0 rg BT 239.40 75.00 Td (a ) Tj ET Q q 0 0 0 rg BT 246.34 75.00 Td (market ) Tj ET Q q 0 0 0 rg BT 276.61 75.00 Td (participant, ) Tj ET Q q 0 0 0 rg BT 324.37 75.00 Td (including ) Tj ET Q q 0 0 0 rg BT 364.64 75.00 Td (market ) Tj ET Q q 0 0 0 rg BT 394.90 75.00 Td (discount ) Tj ET Q q 0 0 0 rg BT 431.29 75.00 Td (rates.) Tj ET Q endstream endobj 215 0 obj <> endobj 216 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (105) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td (Deposits:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.33 742.10 Td () Tj ET Q q 0 0 0 rg BT 113.65 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 131.80 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 148.29 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 172.55 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.49 742.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 217.75 742.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 255.64 742.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 286.56 742.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 319.17 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.21 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 366.02 742.10 Td (money ) Tj ET Q q 0 0 0 rg BT 395.85 742.10 Td (market ) Tj ET Q q 0 0 0 rg BT 426.22 742.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 461.60 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 470.88 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.71 742.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 518.31 742.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 552.01 742.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 83.90 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 93.35 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.81 730.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 146.71 730.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 167.94 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 185.73 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 201.85 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 225.75 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.32 730.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 282.42 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.99 730.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 324.12 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.79 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 363.58 730.10 Td (time ) Tj ET Q q 0 0 0 rg BT 383.60 730.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 418.62 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 427.53 730.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 468.09 730.10 Td (using ) Tj ET Q q 0 0 0 rg BT 492.00 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 498.68 730.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 544.25 730.10 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 71.36 718.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 118.26 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 136.29 718.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 167.65 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 200.11 718.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 222.02 718.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 261.15 718.10 Td (being ) Tj ET Q q 0 0 0 rg BT 286.40 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 294.55 718.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 318.12 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 332.81 718.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 368.62 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.98 718.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 410.79 718.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 454.36 718.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 497.38 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.19 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 515.66 718.10 Td (schedule ) Tj ET Q q 0 0 0 rg BT 553.68 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (aggregated ) Tj ET Q q 0 0 0 rg BT 96.36 706.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 134.39 706.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 176.88 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 189.38 706.10 Td (such ) Tj ET Q q 0 0 0 rg BT 210.21 706.10 Td (deposits. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 688.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 86.52 688.10 Td (owings ) Tj ET Q q 0 0 0 rg BT 118.19 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.52 688.10 Td (Subor) Tj ET Q q 0 0 0 rg BT 160.04 688.10 Td (dinated ) Tj ET Q q 0 0 0 rg BT 193.36 688.10 Td (Debentur) Tj ET Q q 0 0 0 rg BT 230.76 688.10 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.92 688.10 Td (The ) Tj ET Q q 0 0 0 rg BT 268.79 688.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 286.00 688.10 Td (value ) Tj ET Q q 0 0 0 rg BT 310.98 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.64 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.18 688.10 Td (Company) Tj ET Q q 0 0 0 rg BT 379.85 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 387.06 688.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 435.94 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 453.71 688.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 508.69 688.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 555.34 688.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.97 676.10 Td (using ) Tj ET Q q 0 0 0 rg BT 115.29 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 122.38 676.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 168.35 676.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 188.77 676.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 209.75 676.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 256.26 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 273.91 676.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 304.88 676.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 341.42 676.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 362.94 676.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 401.68 676.10 Td (of) Tj ET Q q 0 0 0 rg BT 409.83 676.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 433.02 676.10 Td (based ) Tj ET Q q 0 0 0 rg BT 458.44 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 471.09 676.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 501.51 676.10 Td (maturities. ) Tj ET Q q 0 0 0 rg BT 546.46 676.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.73 664.10 Td (also ) Tj ET Q q 0 0 0 rg BT 92.47 664.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 132.86 664.10 Td (its ) Tj ET Q q 0 0 0 rg BT 144.93 664.10 Td (own ) Tj ET Q q 0 0 0 rg BT 164.78 664.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 233.50 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.90 664.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 294.84 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.69 664.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 326.19 664.10 Td (value ) Tj ET Q q 0 0 0 rg BT 350.47 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.42 664.10 Td (its ) Tj ET Q q 0 0 0 rg BT 373.49 664.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 421.67 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.73 664.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 493.01 664.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 515.35 664.10 Td (Contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.41 652.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 95.26 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 109.56 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.41 652.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 178.71 652.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 198.56 652.10 Td (are ) Tj ET Q q 0 0 0 rg BT 213.40 652.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 247.69 652.10 Td (based ) Tj ET Q q 0 0 0 rg BT 273.09 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 285.73 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.58 652.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 341.54 652.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 363.05 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.02 652.10 Td (default, ) Tj ET Q q 0 0 0 rg BT 406.92 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.77 652.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 456.06 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.03 652.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 493.56 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.97 652.10 Td (be ) Tj ET Q q 0 0 0 rg BT 516.05 652.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 552.00 652.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 640.10 Td (default, ) Tj ET Q q 0 0 0 rg BT 89.70 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.64 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.36 640.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 142.73 640.10 Td (at ) Tj ET Q q 0 0 0 rg BT 152.45 640.10 Td (which ) Tj ET Q q 0 0 0 rg BT 179.39 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.11 640.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 248.26 640.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 267.98 640.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.15 640.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 315.18 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.46 640.10 Td (prepay ) Tj ET Q q 0 0 0 rg BT 355.17 640.10 Td (after ) Tj ET Q q 0 0 0 rg BT 375.98 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.70 640.10 Td (call ) Tj ET Q q 0 0 0 rg BT 407.63 640.10 Td (date.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 68.00 622.10 Td (Off-balance-sheet ) Tj ET Q q 0 0 0 rg BT 141.90 622.10 Td (instruments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.40 622.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 222.20 622.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 278.90 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 291.16 622.10 Td (which ) Tj ET Q q 0 0 0 rg BT 317.86 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.33 622.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 377.36 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 409.05 622.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 426.29 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 435.22 622.10 Td (less ) Tj ET Q q 0 0 0 rg BT 452.48 622.10 Td (than ) Tj ET Q q 0 0 0 rg BT 471.96 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.43 622.10 Td (current ) Tj ET Q q 0 0 0 rg BT 517.00 622.10 Td (market ) Tj ET Q q 0 0 0 rg BT 547.03 622.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 610.10 Td (insignificant ) Tj ET Q q 0 0 0 rg BT 117.20 610.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.91 610.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 185.50 610.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.50 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 208.00 610.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.94 610.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.94 610.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (19. ) Tj ET Q q 0 0 0 rg BT 68.00 592.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 86.14 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 88.46 592.10 Td (V) Tj ET Q q 0 0 0 rg BT 94.77 592.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 147.63 592.10 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.56 574.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.47 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.15 574.10 Td (required ) Tj ET Q q 0 0 0 rg BT 176.49 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.28 574.10 Td (account ) Tj ET Q q 0 0 0 rg BT 221.39 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 236.07 574.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 266.29 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 292.63 574.10 Td (at ) Tj ET Q q 0 0 0 rg BT 302.87 574.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 319.76 574.10 Td (value ) Tj ET Q q 0 0 0 rg BT 344.43 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 357.45 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.90 574.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 404.57 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 415.91 574.10 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 473.90 574.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 498.75 574.10 Td (As ) Tj ET Q q 0 0 0 rg BT 512.88 574.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 554.23 574.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 72.01 562.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 82.08 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.87 562.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 138.33 562.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 184.77 562.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 201.22 562.10 Td (value ) Tj ET Q q 0 0 0 rg BT 225.44 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 235.79 562.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 283.32 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 303.67 562.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 329.79 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 334.86 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 361.87 562.10 Td (defines ) Tj ET Q q 0 0 0 rg BT 393.32 562.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 409.77 562.10 Td (value ) Tj ET Q q 0 0 0 rg BT 433.99 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.00 562.10 Td (establishes ) Tj ET Q q 0 0 0 rg BT 496.90 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 503.91 562.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 550.34 562.10 Td (for ) Tj ET Q BT /F1 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 94.11 550.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 110.43 550.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 137.04 550.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 155.60 550.10 Td (value ) Tj ET Q q 0 0 0 rg BT 179.71 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 188.83 550.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 221.26 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 232.05 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.71 550.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 286.92 550.10 Td (price ) Tj ET Q q 0 0 0 rg BT 309.36 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 326.80 550.10 Td (would ) Tj ET Q q 0 0 0 rg BT 354.25 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 366.14 550.10 Td (received ) Tj ET Q q 0 0 0 rg BT 402.46 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 416.57 550.10 Td (an ) Tj ET Q q 0 0 0 rg BT 428.46 550.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 450.35 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 461.13 550.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 480.80 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.03 550.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 524.01 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 530.90 550.10 Td (liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (\(exit ) Tj ET Q q 0 0 0 rg BT 72.07 538.10 Td (price\) ) Tj ET Q q 0 0 0 rg BT 99.12 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.64 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.60 538.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 165.88 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 177.95 538.10 Td (most ) Tj ET Q q 0 0 0 rg BT 201.14 538.10 Td (advantageous ) Tj ET Q q 0 0 0 rg BT 259.30 538.10 Td (market ) Tj ET Q q 0 0 0 rg BT 290.81 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 306.21 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.16 538.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 345.34 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 357.41 538.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 392.26 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.78 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 416.96 538.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 449.58 538.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 497.19 538.10 Td (between ) Tj ET Q q 0 0 0 rg BT 534.24 538.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 99.43 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 112.21 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.21 526.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 183.30 526.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 205.24 526.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 232.09 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 234.87 526.10 Td (establishes ) Tj ET Q q 0 0 0 rg BT 280.98 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 288.20 526.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 304.86 526.10 Td (value ) Tj ET Q q 0 0 0 rg BT 329.29 526.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 369.83 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 397.05 526.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 432.03 526.10 Td (an ) Tj ET Q q 0 0 0 rg BT 444.25 526.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 469.81 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.37 526.10 Td (maximize ) Tj ET Q q 0 0 0 rg BT 522.58 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.57 526.10 Td (use ) Tj ET Q q 0 0 0 rg BT 553.68 526.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 95.59 514.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 122.31 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.03 514.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 179.07 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.56 514.10 Td (use ) Tj ET Q q 0 0 0 rg BT 209.16 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.77 514.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 275.36 514.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 302.08 514.10 Td (when ) Tj ET Q q 0 0 0 rg BT 326.02 514.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 369.95 514.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 386.10 514.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 412.36 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 430.18 514.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 466.33 514.10 Td (describes ) Tj ET Q q 0 0 0 rg BT 505.82 514.10 Td (three ) Tj ET Q q 0 0 0 rg BT 528.08 514.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 553.68 514.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 76.95 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 94.44 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 114.16 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 126.10 502.10 Td (used ) Tj ET Q q 0 0 0 rg BT 146.93 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.21 502.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 193.02 502.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 209.40 502.10 Td (values:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 484.10 Td (Level1 ) Tj ET Q q 0 0 0 rg BT 122.00 484.10 Td (Quoted ) Tj ET Q q 0 0 0 rg BT 154.35 484.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 181.15 484.10 Td (\(unadjusted\) ) Tj ET Q q 0 0 0 rg BT 234.05 484.10 Td (for ) Tj ET Q q 0 0 0 rg BT 248.63 484.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 285.97 484.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 312.22 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 323.47 484.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 363.60 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 374.29 484.10 Td (active ) Tj ET Q q 0 0 0 rg BT 401.08 484.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 435.65 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 453.57 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.70 484.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 494.39 484.10 Td (has ) Tj ET Q q 0 0 0 rg BT 510.64 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.77 484.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.24 484.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (access ) Tj ET Q q 0 0 0 rg BT 78.04 472.10 Td (as ) Tj ET Q q 0 0 0 rg BT 88.87 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.70 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.41 472.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 170.22 472.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 454.10 Td (Level2 ) Tj ET Q q 0 0 0 rg BT 100.76 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.00 454.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 167.57 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 189.81 454.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 234.82 454.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 260.96 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 283.20 454.10 Td (than ) Tj ET Q q 0 0 0 rg BT 302.11 454.10 Td (Level1 ) Tj ET Q q 0 0 0 rg BT 334.06 454.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 359.63 454.10 Td (such ) Tj ET Q q 0 0 0 rg BT 379.65 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 389.68 454.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 418.58 454.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 444.15 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 457.51 454.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 486.97 454.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 511.99 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 522.01 454.10 Td (liabilities; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 79.50 442.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 105.67 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.73 442.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 149.68 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 166.96 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 181.46 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 196.52 442.10 Td (active; ) Tj ET Q q 0 0 0 rg BT 225.46 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 236.08 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 258.91 442.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 285.65 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 302.93 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 317.42 442.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 363.03 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.65 442.10 Td (can ) Tj ET Q q 0 0 0 rg BT 389.81 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 401.54 442.10 Td (corroborated ) Tj ET Q q 0 0 0 rg BT 454.91 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 467.19 442.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 512.80 442.10 Td (market ) Tj ET Q q 0 0 0 rg BT 542.85 442.10 Td (data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 424.10 Td (Level3 ) Tj ET Q q 0 0 0 rg BT 100.76 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.00 424.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 168.71 424.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 224.85 424.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 252.13 424.10 Td (that ) Tj ET Q q 0 0 0 rg BT 269.95 424.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 298.31 424.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.57 424.10 Td (company) Tj ET Q q 0 0 0 rg BT 345.01 424.10 Td (s ) Tj ET Q q 0 0 0 rg BT 351.73 424.10 Td (own ) Tj ET Q q 0 0 0 rg BT 371.78 424.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 424.05 424.10 Td (about ) Tj ET Q q 0 0 0 rg BT 449.09 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.14 424.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 516.41 424.10 Td (that ) Tj ET Q q 0 0 0 rg BT 534.24 424.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 99.15 412.10 Td (would ) Tj ET Q q 0 0 0 rg BT 126.65 412.10 Td (use ) Tj ET Q q 0 0 0 rg BT 142.48 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.76 412.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 183.58 412.10 Td (an ) Tj ET Q q 0 0 0 rg BT 195.52 412.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 217.46 412.10 Td (or ) Tj ET Q q 0 0 0 rg BT 228.29 412.10 Td (liability) Tj ET Q q 0 0 0 rg BT 258.75 412.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 394.10 Td (V) Tj ET Q q 0 0 0 rg BT 76.11 394.10 Td (aluation ) Tj ET Q q 0 0 0 rg BT 110.30 394.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 155.05 394.10 Td (based ) Tj ET Q q 0 0 0 rg BT 179.79 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 191.77 394.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 247.07 394.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 273.50 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 287.68 394.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 315.22 394.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 357.74 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.16 394.10 Td (require ) Tj ET Q q 0 0 0 rg BT 404.45 394.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 448.09 394.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 488.39 394.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 532.58 394.10 Td (matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.89 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.79 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.57 382.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 129.13 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.13 382.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 174.80 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.70 382.10 Td (future ) Tj ET Q q 0 0 0 rg BT 212.14 382.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 232.47 382.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 257.26 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.26 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.04 382.10 Td (selection ) Tj ET Q q 0 0 0 rg BT 327.14 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.04 382.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 374.49 382.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 395.93 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 413.49 382.10 Td (may ) Tj ET Q q 0 0 0 rg BT 433.27 382.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 489.14 382.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 517.24 382.10 Td (market ) Tj ET Q q 0 0 0 rg BT 547.56 382.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.77 370.10 Td (risks. ) Tj ET Q q 0 0 0 rg BT 98.18 370.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 134.63 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.42 370.10 Td (these ) Tj ET Q q 0 0 0 rg BT 166.97 370.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 210.65 370.10 Td (often ) Tj ET Q q 0 0 0 rg BT 233.21 370.10 Td (have ) Tj ET Q q 0 0 0 rg BT 254.09 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 260.54 370.10 Td (material ) Tj ET Q q 0 0 0 rg BT 295.31 370.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 324.54 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 336.55 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.77 370.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 366.66 370.10 Td (value ) Tj ET Q q 0 0 0 rg BT 390.33 370.10 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 432.05 370.10 Td (In ) Tj ET Q q 0 0 0 rg BT 442.39 370.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 479.67 370.10 Td (since ) Tj ET Q q 0 0 0 rg BT 502.23 370.10 Td (these ) Tj ET Q q 0 0 0 rg BT 524.79 370.10 Td (estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 75.54 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.37 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.31 358.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 126.90 358.10 Td (point ) Tj ET Q q 0 0 0 rg BT 149.96 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.23 358.10 Td (time ) Tj ET Q q 0 0 0 rg BT 180.51 358.10 Td (they ) Tj ET Q q 0 0 0 rg BT 200.22 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 214.93 358.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 261.87 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.14 358.10 Td (material ) Tj ET Q q 0 0 0 rg BT 307.40 358.10 Td (near) Tj ET Q q 0 0 0 rg BT 324.41 358.10 Td (-term ) Tj ET Q q 0 0 0 rg BT 348.56 358.10 Td (changes.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (Financial instruments measur) Tj ET Q q 0 0 0 rg BT 177.60 340.10 Td (ed at fair) Tj ET Q q 0 0 0 rg BT 216.29 340.10 Td ( value on a r) Tj ET Q q 0 0 0 rg BT 268.89 340.10 Td (ecurring basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.46 322.10 Td (following ) Tj ET Q q 0 0 0 rg BT 128.26 322.10 Td (table ) Tj ET Q q 0 0 0 rg BT 149.61 322.10 Td (details ) Tj ET Q q 0 0 0 rg BT 177.62 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.75 322.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.65 322.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 277.22 322.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 306.89 322.10 Td (at ) Tj ET Q q 0 0 0 rg BT 316.02 322.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 331.81 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 355.38 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 367.29 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 373.64 322.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 412.20 322.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 434.12 322.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.25 322.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 501.24 322.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.24 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 523.16 322.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 322.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 322.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.07 310.10 Td (indicates ) Tj ET Q q 0 0 0 rg BT 103.24 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.09 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 132.59 310.10 Td (value ) Tj ET Q q 0 0 0 rg BT 155.88 310.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 195.26 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.22 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.07 310.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 257.91 310.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 302.30 310.10 Td (utilized ) Tj ET Q q 0 0 0 rg BT 333.92 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 345.55 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.40 310.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 399.92 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.33 310.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 450.94 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.78 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 480.29 310.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 505.96 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.13 310.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (had ) Tj ET Q q 0 0 0 rg BT 67.27 298.10 Td (no ) Tj ET Q q 0 0 0 rg BT 80.10 298.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 117.36 298.10 Td (into ) Tj ET Q q 0 0 0 rg BT 135.75 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 146.91 298.10 Td (out ) Tj ET Q q 0 0 0 rg BT 162.52 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.68 298.10 Td (Levels ) Tj ET Q q 0 0 0 rg BT 203.17 298.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 213.50 298.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 221.33 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 232.49 298.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 240.32 298.10 Td (during ) Tj ET Q q 0 0 0 rg BT 269.26 298.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 307.91 298.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.61 298.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 393.53 298.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.53 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.36 298.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.63 298.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.63 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 458.96 298.10 Td (except ) Tj ET Q q 0 0 0 rg BT 487.89 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.38 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.42 298.10 Td (Company's ) 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 96.38 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.66 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 113.60 286.10 Td (U.S.T) Tj ET Q q 0 0 0 rg BT 137.14 286.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 169.07 286.10 Td (note ) Tj ET Q q 0 0 0 rg BT 188.78 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 206.28 286.10 Td (was ) Tj ET Q q 0 0 0 rg BT 224.33 286.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 270.14 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 292.08 286.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 317.34 286.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 324.84 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.12 286.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 360.38 286.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 367.88 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 382.04 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.76 286.10 Td (year ) Tj ET Q q 0 0 0 rg BT 416.46 286.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 442.84 286.10 Td (December ) Tj ET Q q 0 0 0 rg BT 486.43 286.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 501.43 286.10 Td (2017.) Tj ET Q endstream endobj 217 0 obj <> endobj 218 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (106) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 735.5 m 444.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 735.5 m 448.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 735.5 m 503.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 735.5 m 507.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 722.5 m 444.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 722.5 m 503.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 722.5 m 562.5 722.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 457.65 739.73 Td (Fair) Tj ET Q q 0 0 0 rg BT 472.24 739.73 Td ( ) Tj ET Q q 0 0 0 rg BT 474.09 739.73 Td (V) Tj ET Q q 0 0 0 rg BT 479.43 739.73 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.15 726.73 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.15 726.73 Td (Level2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.15 726.73 Td (Level3) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 451.15 713.73 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 700.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.22 700.18 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 685.17 Td (Marketable equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.50 685.07 Td (.....................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 685.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 685.17 Td (2,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 685.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 685.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 685.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 685.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 670.17 Td (A) Tj ET Q q 0 0 0 rg BT 65.85 670.17 Td (vailable for sale investment securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 655.17 Td (U.S. Government and agency obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.00 655.07 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 655.17 Td (9,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 655.17 Td (72,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 655.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 640.17 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.50 640.07 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 640.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 640.17 Td (4,007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 640.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 625.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.50 625.07 Td (...................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 625.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 625.17 Td (7,01) Tj ET Q q 0 0 0 rg BT 494.65 625.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 625.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 610.17 Td (Derivative asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.00 610.07 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 610.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 610.17 Td (430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 610.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 582.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.13 582.18 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 567.17 Td (A) Tj ET Q q 0 0 0 rg BT 65.85 567.17 Td (vailable for sale investment securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 552.17 Td (U.S. Government and agency obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.00 552.07 Td (............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 552.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 552.17 Td (9,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 552.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 552.17 Td (62,913) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 552.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 552.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 537.17 Td (State agency and municipal obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.50 537.07 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 537.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 537.17 Td (12,277) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 537.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 522.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.50 522.07 Td (...................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 522.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 522.17 Td (7,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 522.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 507.17 Td (Derivative asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.00 507.07 Td (..................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 507.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 507.17 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 507.17 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 485.00 Td (Marketable ) Tj ET Q q 0 0 0 rg BT 118.96 485.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 146.26 485.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 187.45 485.00 Td (and ) Tj ET Q q 0 0 0 rg BT 205.31 485.00 Td (available ) Tj ET Q q 0 0 0 rg BT 245.39 485.00 Td (for ) Tj ET Q q 0 0 0 rg BT 259.93 485.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 278.90 485.00 Td (securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.05 485.00 Td (The ) Tj ET Q q 0 0 0 rg BT 346.47 485.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 363.21 485.00 Td (value ) Tj ET Q q 0 0 0 rg BT 387.73 485.00 Td (of ) Tj ET Q q 0 0 0 rg BT 398.92 485.00 Td (the ) Tj ET Q q 0 0 0 rg BT 414.01 485.00 Td (Company) Tj ET Q q 0 0 0 rg BT 455.67 485.00 Td (s ) Tj ET Q q 0 0 0 rg BT 462.43 485.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 509.18 485.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 549.80 485.00 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.48 473.00 Td (by ) Tj ET Q q 0 0 0 rg BT 102.63 473.00 Td (using ) Tj ET Q q 0 0 0 rg BT 126.46 473.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 156.94 473.00 Td (models ) Tj ET Q q 0 0 0 rg BT 187.99 473.00 Td (or ) Tj ET Q q 0 0 0 rg BT 198.48 473.00 Td (quoted ) Tj ET Q q 0 0 0 rg BT 227.85 473.00 Td (prices ) Tj ET Q q 0 0 0 rg BT 253.88 473.00 Td (of ) Tj ET Q q 0 0 0 rg BT 264.37 473.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 304.29 473.00 Td (with ) Tj ET Q q 0 0 0 rg BT 324.23 473.00 Td (similar ) Tj ET Q q 0 0 0 rg BT 354.16 473.00 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 413.50 473.00 Td (\(i.e. ) Tj ET Q q 0 0 0 rg BT 431.21 473.00 Td (matrix ) Tj ET Q q 0 0 0 rg BT 459.47 473.00 Td (pricing\) ) Tj ET Q q 0 0 0 rg BT 493.28 473.00 Td (and ) Tj ET Q q 0 0 0 rg BT 509.88 473.00 Td (are ) Tj ET Q q 0 0 0 rg BT 524.24 473.00 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.00 Td (within ) Tj ET Q q 0 0 0 rg BT 78.01 461.00 Td (Level ) Tj ET Q q 0 0 0 rg BT 103.23 461.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 110.68 461.00 Td (or ) Tj ET Q q 0 0 0 rg BT 121.46 461.00 Td (Level2 ) Tj ET Q q 0 0 0 rg BT 154.18 461.00 Td (of ) Tj ET Q q 0 0 0 rg BT 164.97 461.00 Td (the ) Tj ET Q q 0 0 0 rg BT 179.64 461.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 219.30 461.00 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 256.41 461.00 Td (. ) Tj ET Q q 0 0 0 rg BT 261.18 461.00 Td (The ) Tj ET Q q 0 0 0 rg BT 279.18 461.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 309.96 461.00 Td (is ) Tj ET Q q 0 0 0 rg BT 319.09 461.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 358.75 461.00 Td (sourced ) Tj ET Q q 0 0 0 rg BT 392.30 461.00 Td (from ) Tj ET Q q 0 0 0 rg BT 414.20 461.00 Td (third ) Tj ET Q q 0 0 0 rg BT 435.54 461.00 Td (party ) Tj ET Q q 0 0 0 rg BT 458.54 461.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 489.31 461.00 Td (services, ) Tj ET Q q 0 0 0 rg BT 526.48 461.00 Td (overseen ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.00 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 449.00 Td (management.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 431.00 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 117.23 431.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 146.14 431.00 Td (and ) Tj ET Q q 0 0 0 rg BT 166.16 431.00 Td (liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.27 431.00 Td () Tj ET Q q 0 0 0 rg BT 214.59 431.00 Td (The ) Tj ET Q q 0 0 0 rg BT 235.16 431.00 Td (Company) Tj ET Q q 0 0 0 rg BT 276.83 431.00 Td (s ) Tj ET Q q 0 0 0 rg BT 285.74 431.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 330.75 431.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 359.10 431.00 Td (and ) Tj ET Q q 0 0 0 rg BT 378.56 431.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 420.80 431.00 Td (consist ) Tj ET Q q 0 0 0 rg BT 453.60 431.00 Td (of ) Tj ET Q q 0 0 0 rg BT 466.96 431.00 Td (transactions ) Tj ET Q q 0 0 0 rg BT 519.74 431.00 Td (as ) Tj ET Q q 0 0 0 rg BT 533.10 431.00 Td (part ) Tj ET Q q 0 0 0 rg BT 553.67 431.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 419.00 Td (management) Tj ET Q q 0 0 0 rg BT 103.87 419.00 Td (s ) Tj ET Q q 0 0 0 rg BT 110.24 419.00 Td (strategy ) Tj ET Q q 0 0 0 rg BT 144.37 419.00 Td (to ) Tj ET Q q 0 0 0 rg BT 154.62 419.00 Td (manage ) Tj ET Q q 0 0 0 rg BT 188.19 419.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 220.10 419.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 237.57 419.00 Td (risk. ) Tj ET Q q 0 0 0 rg BT 257.37 419.00 Td (The ) Tj ET Q q 0 0 0 rg BT 275.39 419.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 315.08 419.00 Td (of ) Tj ET Q q 0 0 0 rg BT 325.89 419.00 Td (the ) Tj ET Q q 0 0 0 rg BT 340.58 419.00 Td (Company) Tj ET Q q 0 0 0 rg BT 382.24 419.00 Td (s ) Tj ET Q q 0 0 0 rg BT 388.61 419.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 420.52 419.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 437.99 419.00 Td (swaps ) Tj ET Q q 0 0 0 rg BT 464.91 419.00 Td (is ) Tj ET Q q 0 0 0 rg BT 474.05 419.00 Td (obtained ) Tj ET Q q 0 0 0 rg BT 510.96 419.00 Td (from ) Tj ET Q q 0 0 0 rg BT 532.88 419.00 Td (a ) Tj ET Q q 0 0 0 rg BT 539.79 419.00 Td (third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 407.00 Td (party ) Tj ET Q q 0 0 0 rg BT 72.98 407.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 103.75 407.00 Td (service ) Tj ET Q q 0 0 0 rg BT 134.50 407.00 Td (and ) Tj ET Q q 0 0 0 rg BT 151.38 407.00 Td (is ) Tj ET Q q 0 0 0 rg BT 160.49 407.00 Td (determined ) Tj ET Q q 0 0 0 rg BT 207.90 407.00 Td (using ) Tj ET Q q 0 0 0 rg BT 232.01 407.00 Td (a ) Tj ET Q q 0 0 0 rg BT 238.89 407.00 Td (discounted ) Tj ET Q q 0 0 0 rg BT 284.65 407.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 304.86 407.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 325.63 407.00 Td (analysis ) Tj ET Q q 0 0 0 rg BT 360.28 407.00 Td (on ) Tj ET Q q 0 0 0 rg BT 372.72 407.00 Td (the ) Tj ET Q q 0 0 0 rg BT 387.37 407.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 425.34 407.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 445.55 407.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 470.21 407.00 Td (of ) Tj ET Q q 0 0 0 rg BT 480.98 407.00 Td (each ) Tj ET Q q 0 0 0 rg BT 501.73 407.00 Td (derivative. ) Tj ET Q q 0 0 0 rg BT 546.47 407.00 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.00 Td (pricing ) Tj ET Q q 0 0 0 rg BT 81.23 395.00 Td (analysis ) Tj ET Q q 0 0 0 rg BT 116.35 395.00 Td (is ) Tj ET Q q 0 0 0 rg BT 125.93 395.00 Td (based ) Tj ET Q q 0 0 0 rg BT 151.60 395.00 Td (on ) Tj ET Q q 0 0 0 rg BT 164.51 395.00 Td (observable ) Tj ET Q q 0 0 0 rg BT 210.73 395.00 Td (inputs ) Tj ET Q q 0 0 0 rg BT 238.08 395.00 Td (for ) Tj ET Q q 0 0 0 rg BT 252.65 395.00 Td (the ) Tj ET Q q 0 0 0 rg BT 267.77 395.00 Td (contractual ) Tj ET Q q 0 0 0 rg BT 315.09 395.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 340.21 395.00 Td (of ) Tj ET Q q 0 0 0 rg BT 351.45 395.00 Td (the ) Tj ET Q q 0 0 0 rg BT 366.57 395.00 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 415.85 395.00 Td (including ) Tj ET Q q 0 0 0 rg BT 456.53 395.00 Td (the ) Tj ET Q q 0 0 0 rg BT 471.65 395.00 Td (period ) Tj ET Q q 0 0 0 rg BT 500.10 395.00 Td (to ) Tj ET Q q 0 0 0 rg BT 510.79 395.00 Td (maturity ) Tj ET Q q 0 0 0 rg BT 547.57 395.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 383.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.51 383.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 100.57 383.00 Td (curves. ) Tj ET Q q 0 0 0 rg BT 132.03 383.00 Td (The ) Tj ET Q q 0 0 0 rg BT 150.65 383.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.62 383.00 Td (has ) Tj ET Q q 0 0 0 rg BT 209.02 383.00 Td (determined ) Tj ET Q q 0 0 0 rg BT 257.08 383.00 Td (that ) Tj ET Q q 0 0 0 rg BT 275.16 383.00 Td (the ) Tj ET Q q 0 0 0 rg BT 290.45 383.00 Td (majority ) Tj ET Q q 0 0 0 rg BT 327.41 383.00 Td (of ) Tj ET Q q 0 0 0 rg BT 338.82 383.00 Td (the ) Tj ET Q q 0 0 0 rg BT 354.11 383.00 Td (inputs ) Tj ET Q q 0 0 0 rg BT 381.64 383.00 Td (used ) Tj ET Q q 0 0 0 rg BT 403.04 383.00 Td (to ) Tj ET Q q 0 0 0 rg BT 413.90 383.00 Td (value ) Tj ET Q q 0 0 0 rg BT 438.63 383.00 Td (its ) Tj ET Q q 0 0 0 rg BT 451.16 383.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 483.67 383.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 501.73 383.00 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 548.68 383.00 Td (fall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.00 Td (within ) Tj ET Q q 0 0 0 rg BT 78.06 371.00 Td (Level2 ) Tj ET Q q 0 0 0 rg BT 110.82 371.00 Td (of ) Tj ET Q q 0 0 0 rg BT 121.65 371.00 Td (the ) Tj ET Q q 0 0 0 rg BT 136.37 371.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 152.74 371.00 Td (value ) Tj ET Q q 0 0 0 rg BT 176.90 371.00 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 214.00 371.00 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 353.00 Td (Financial instruments measur) Tj ET Q q 0 0 0 rg BT 177.60 353.00 Td (ed at fair) Tj ET Q q 0 0 0 rg BT 216.29 353.00 Td ( value on a nonr) Tj ET Q q 0 0 0 rg BT 285.01 353.00 Td (ecurring basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 335.00 Td (Certain ) Tj ET Q q 0 0 0 rg BT 102.36 335.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 128.62 335.00 Td (and ) Tj ET Q q 0 0 0 rg BT 145.98 335.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 186.12 335.00 Td (are ) Tj ET Q q 0 0 0 rg BT 201.26 335.00 Td (measured ) Tj ET Q q 0 0 0 rg BT 242.50 335.00 Td (at ) Tj ET Q q 0 0 0 rg BT 252.64 335.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 269.45 335.00 Td (value ) Tj ET Q q 0 0 0 rg BT 294.03 335.00 Td (on ) Tj ET Q q 0 0 0 rg BT 306.95 335.00 Td (a ) Tj ET Q q 0 0 0 rg BT 314.32 335.00 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 372.22 335.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 395.15 335.00 Td (in ) Tj ET Q q 0 0 0 rg BT 405.85 335.00 Td (accordance ) Tj ET Q q 0 0 0 rg BT 453.74 335.00 Td (with ) Tj ET Q q 0 0 0 rg BT 474.44 335.00 Td (GAAP) Tj ET Q q 0 0 0 rg BT 500.56 335.00 Td (. ) Tj ET Q q 0 0 0 rg BT 505.77 335.00 Td (These ) Tj ET Q q 0 0 0 rg BT 532.58 335.00 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 76.06 323.00 Td (that ) Tj ET Q q 0 0 0 rg BT 93.79 323.00 Td (are ) Tj ET Q q 0 0 0 rg BT 108.74 323.00 Td (measured ) Tj ET Q q 0 0 0 rg BT 149.79 323.00 Td (at ) Tj ET Q q 0 0 0 rg BT 159.74 323.00 Td (the-lower) Tj ET Q q 0 0 0 rg BT 197.85 323.00 Td (-of-cost-or ) Tj ET Q q 0 0 0 rg BT 243.34 323.00 Td (market ) Tj ET Q q 0 0 0 rg BT 273.84 323.00 Td (that ) Tj ET Q q 0 0 0 rg BT 291.57 323.00 Td (were ) Tj ET Q q 0 0 0 rg BT 313.74 323.00 Td (recognized ) Tj ET Q q 0 0 0 rg BT 360.33 323.00 Td (at ) Tj ET Q q 0 0 0 rg BT 370.28 323.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 386.89 323.00 Td (value ) Tj ET Q q 0 0 0 rg BT 411.28 323.00 Td (below ) Tj ET Q q 0 0 0 rg BT 438.46 323.00 Td (cost ) Tj ET Q q 0 0 0 rg BT 457.30 323.00 Td (at ) Tj ET Q q 0 0 0 rg BT 467.25 323.00 Td (the ) Tj ET Q q 0 0 0 rg BT 482.20 323.00 Td (end ) Tj ET Q q 0 0 0 rg BT 499.38 323.00 Td (of ) Tj ET Q q 0 0 0 rg BT 510.44 323.00 Td (the ) Tj ET Q q 0 0 0 rg BT 525.39 323.00 Td (period ) Tj ET Q q 0 0 0 rg BT 553.67 323.00 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.00 Td (well ) Tj ET Q q 0 0 0 rg BT 68.58 311.00 Td (as ) Tj ET Q q 0 0 0 rg BT 78.27 311.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 102.97 311.00 Td (that ) Tj ET Q q 0 0 0 rg BT 119.33 311.00 Td (are ) Tj ET Q q 0 0 0 rg BT 132.90 311.00 Td (not ) Tj ET Q q 0 0 0 rg BT 147.04 311.00 Td (measured ) Tj ET Q q 0 0 0 rg BT 186.72 311.00 Td (at ) Tj ET Q q 0 0 0 rg BT 195.30 311.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 210.54 311.00 Td (value ) Tj ET Q q 0 0 0 rg BT 233.56 311.00 Td (on ) Tj ET Q q 0 0 0 rg BT 244.92 311.00 Td (an ) Tj ET Q q 0 0 0 rg BT 255.73 311.00 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 289.87 311.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 311.23 311.00 Td (but ) Tj ET Q q 0 0 0 rg BT 325.37 311.00 Td (are ) Tj ET Q q 0 0 0 rg BT 338.94 311.00 Td (subject ) Tj ET Q q 0 0 0 rg BT 368.63 311.00 Td (to ) Tj ET Q q 0 0 0 rg BT 377.78 311.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 393.02 311.00 Td (value ) Tj ET Q q 0 0 0 rg BT 416.04 311.00 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 465.17 311.00 Td (in ) Tj ET Q q 0 0 0 rg BT 474.31 311.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 502.88 311.00 Td (circumstances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.00 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 299.00 Td (as ) Tj ET Q q 0 0 0 rg BT 81.66 299.00 Td (when ) Tj ET Q q 0 0 0 rg BT 105.82 299.00 Td (there ) Tj ET Q q 0 0 0 rg BT 128.31 299.00 Td (is ) Tj ET Q q 0 0 0 rg BT 137.48 299.00 Td (evidence ) Tj ET Q q 0 0 0 rg BT 175.51 299.00 Td (of ) Tj ET Q q 0 0 0 rg BT 186.34 299.00 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 281.00 Td (The ) Tj ET Q q 0 0 0 rg BT 87.98 281.00 Td (following ) Tj ET Q q 0 0 0 rg BT 129.30 281.00 Td (table ) Tj ET Q q 0 0 0 rg BT 151.17 281.00 Td (details ) Tj ET Q q 0 0 0 rg BT 179.71 281.00 Td (the ) Tj ET Q q 0 0 0 rg BT 194.37 281.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 231.78 281.00 Td (instruments ) Tj ET Q q 0 0 0 rg BT 280.88 281.00 Td (carried ) Tj ET Q q 0 0 0 rg BT 311.07 281.00 Td (at ) Tj ET Q q 0 0 0 rg BT 320.72 281.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 337.04 281.00 Td (value ) Tj ET Q q 0 0 0 rg BT 361.13 281.00 Td (on ) Tj ET Q q 0 0 0 rg BT 373.56 281.00 Td (a ) Tj ET Q q 0 0 0 rg BT 380.44 281.00 Td (nonrecurring ) Tj ET Q q 0 0 0 rg BT 434.52 281.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 456.95 281.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.61 281.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 525.13 281.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.13 281.00 Td ( ) Tj ET Q q 0 0 0 rg BT 547.56 281.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 269.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 269.00 Td (, ) Tj ET Q q 0 0 0 rg BT 75.00 269.00 Td (and ) Tj ET Q q 0 0 0 rg BT 91.94 269.00 Td (indicates ) Tj ET Q q 0 0 0 rg BT 129.98 269.00 Td (the ) Tj ET Q q 0 0 0 rg BT 144.70 269.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 161.07 269.00 Td (value ) Tj ET Q q 0 0 0 rg BT 185.23 269.00 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 225.48 269.00 Td (of ) Tj ET Q q 0 0 0 rg BT 236.31 269.00 Td (the ) Tj ET Q q 0 0 0 rg BT 251.03 269.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 290.74 269.00 Td (techniques ) Tj ET Q q 0 0 0 rg BT 336.01 269.00 Td (utilized ) Tj ET Q q 0 0 0 rg BT 368.50 269.00 Td (by ) Tj ET Q q 0 0 0 rg BT 381.00 269.00 Td (the ) Tj ET Q q 0 0 0 rg BT 395.71 269.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 437.10 269.00 Td (to ) Tj ET Q q 0 0 0 rg BT 447.38 269.00 Td (determine ) Tj ET Q q 0 0 0 rg BT 489.86 269.00 Td (the ) Tj ET Q q 0 0 0 rg BT 504.58 269.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 520.95 269.00 Td (value:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 239.5 m 417.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 239.5 m 421.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 239.5 m 489.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 239.5 m 493.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 239.5 m 561.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 226.5 m 417.5 226.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 226.5 m 489.5 226.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 226.5 m 561.5 226.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.15 243.73 Td (Fair) Tj ET Q q 0 0 0 rg BT 451.74 243.73 Td ( ) Tj ET Q q 0 0 0 rg BT 453.59 243.73 Td (V) Tj ET Q q 0 0 0 rg BT 458.93 243.73 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.65 230.73 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 442.65 230.73 Td (Level2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.65 230.73 Td (Level3) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 430.65 217.73 Td (\(In thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 204.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.22 204.18 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 189.17 Td (Impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.00 189.07 Td (..........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 189.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 189.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.00 189.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 189.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 189.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 189.17 Td (18,709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 175.07 Td (Servicing asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.50 175.07 Td (...................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 175.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 175.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 175.07 Td (797) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 161.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.13 161.18 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 146.17 Td (Impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.00 146.07 Td (..........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 146.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 146.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.00 146.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 146.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 146.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 146.17 Td (13,898) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 131.17 Td (Servicing asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.50 131.07 Td (...................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 131.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 131.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 131.17 Td (1,030) 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 (107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.62 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 128.59 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 150.10 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 184.94 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 234.23 742.10 Td (about ) Tj ET Q q 0 0 0 rg BT 258.52 742.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 307.81 742.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 334.33 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.85 742.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 402.37 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 416.11 742.10 Td (Level3 ) Tj ET Q q 0 0 0 rg BT 448.45 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.51 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 534.25 742.10 Td (carried ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.09 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 100.25 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 112.75 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.69 730.10 Td (nonrecurring ) Tj ET Q q 0 0 0 rg BT 173.83 730.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 196.33 730.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.05 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 264.63 730.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.63 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 287.13 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.07 730.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.07 730.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 692.6 m 289.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 692.6 m 375.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 692.6 m 461.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 692.6 m 547.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 692.6 m 562.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 613.6 m 289.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 599.6 m 289.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 597.6 m 289.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 476.6 m 289.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 462.6 m 289.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 460.6 m 289.5 460.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 240.70 704.83 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 238.35 696.83 Td (V) Tj ET Q q 0 0 0 rg BT 243.39 696.83 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.45 704.83 Td (V) Tj ET Q q 0 0 0 rg BT 322.49 704.83 Td (aluation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.55 696.83 Td (Methodology) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 396.40 704.83 Td (Unobservable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.40 696.83 Td (Input) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 495.10 696.83 Td (Range) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 339.85 683.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 670.28 Td (December) Tj ET Q q 0 0 0 rg BT 96.22 670.28 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 645.27 Td (Impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 650.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 650.72 Td (10,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 650.72 Td (Appraisals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 655.72 Td (Discount to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 645.72 Td (appraised value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 650.72 Td (5.008.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 624.72 Td (8,521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 629.72 Td (Discounted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 619.72 Td (flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 624.72 Td (Discount rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 624.72 Td (3.258.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 603.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 603.72 Td (18,709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 563.27 Td (Servicing asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 568.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.65 568.72 Td (797) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 573.72 Td (Discounted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 563.72 Td (flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 568.72 Td (Discount rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 568.72 Td (10.00-12.00%) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 550.00 568.43 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 548.72 Td (Prepayment rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 548.72 Td (3.00-15.00%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 534.28 Td (December) Tj ET Q q 0 0 0 rg BT 96.13 534.28 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 506.27 Td (Impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 513.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 513.22 Td (7,71) Tj ET Q q 0 0 0 rg BT 280.65 513.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 513.22 Td (Appraisals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 518.22 Td (Discount to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 508.22 Td (appraised value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 513.22 Td (8.0024.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 486.72 Td (7,142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 491.72 Td (Discounted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 481.72 Td (flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 486.72 Td (Discount rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 486.72 Td (3.256.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 466.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 466.72 Td (14,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 426.27 Td (Servicing asset, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.00 431.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 431.72 Td (1,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 436.72 Td (Discounted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 426.72 Td (flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 431.72 Td (Discount rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 431.72 Td (7.00-12.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 411.72 Td (Prepayment rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.30 411.72 Td (7.00-9.00%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 391.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 81.33 391.50 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 113.99 391.50 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 145.76 391.50 Td (totaling ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.20 391.50 Td ($73 ) Tj ET Q q 0 0 0 rg BT 186.20 391.50 Td (thousand) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.09 391.50 Td ( ) Tj ET Q q 0 0 0 rg BT 217.09 391.50 Td (were ) Tj ET Q q 0 0 0 rg BT 234.63 391.50 Td (valued ) Tj ET Q q 0 0 0 rg BT 257.96 391.50 Td (using ) Tj ET Q q 0 0 0 rg BT 277.29 391.50 Td (a ) Tj ET Q q 0 0 0 rg BT 282.84 391.50 Td (discount ) Tj ET Q q 0 0 0 rg BT 311.95 391.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 325.94 391.50 Td (of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.61 391.50 Td (2.8%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.27 391.50 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 373.50 Td (Impair) Tj ET Q q 0 0 0 rg BT 96.85 373.50 Td (ed ) Tj ET Q q 0 0 0 rg BT 109.74 373.50 Td (loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.41 373.50 Td (:Loans ) Tj ET Q q 0 0 0 rg BT 169.57 373.50 Td (are ) Tj ET Q q 0 0 0 rg BT 185.22 373.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 225.87 373.50 Td (not ) Tj ET Q q 0 0 0 rg BT 242.09 373.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 280.52 373.50 Td (at ) Tj ET Q q 0 0 0 rg BT 291.18 373.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 308.50 373.50 Td (value ) Tj ET Q q 0 0 0 rg BT 333.60 373.50 Td (on ) Tj ET Q q 0 0 0 rg BT 347.05 373.50 Td (a ) Tj ET Q q 0 0 0 rg BT 354.94 373.50 Td (recurring ) Tj ET Q q 0 0 0 rg BT 395.03 373.50 Td (basis. ) Tj ET Q q 0 0 0 rg BT 420.97 373.50 Td (Periodically) Tj ET Q q 0 0 0 rg BT 468.64 373.50 Td (, ) Tj ET Q q 0 0 0 rg BT 474.59 373.50 Td (the ) Tj ET Q q 0 0 0 rg BT 490.25 373.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 532.59 373.50 Td (records ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.50 Td (nonrecurring ) Tj ET Q q 0 0 0 rg BT 103.21 361.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 152.54 361.50 Td (to ) Tj ET Q q 0 0 0 rg BT 161.88 361.50 Td (the ) Tj ET Q q 0 0 0 rg BT 175.66 361.50 Td (carrying ) Tj ET Q q 0 0 0 rg BT 210.54 361.50 Td (value ) Tj ET Q q 0 0 0 rg BT 233.76 361.50 Td (of ) Tj ET Q q 0 0 0 rg BT 243.65 361.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 266.32 361.50 Td (based ) Tj ET Q q 0 0 0 rg BT 290.65 361.50 Td (on ) Tj ET Q q 0 0 0 rg BT 302.22 361.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 317.66 361.50 Td (value ) Tj ET Q q 0 0 0 rg BT 340.87 361.50 Td (measurements ) Tj ET Q q 0 0 0 rg BT 399.64 361.50 Td (for ) Tj ET Q q 0 0 0 rg BT 412.86 361.50 Td (partial ) Tj ET Q q 0 0 0 rg BT 439.97 361.50 Td (char) Tj ET Q q 0 0 0 rg BT 456.99 361.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 477.91 361.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 486.69 361.50 Td (of ) Tj ET Q q 0 0 0 rg BT 496.59 361.50 Td (the ) Tj ET Q q 0 0 0 rg BT 510.37 361.50 Td (uncollectible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.50 Td (portions ) Tj ET Q q 0 0 0 rg BT 87.19 349.50 Td (of ) Tj ET Q q 0 0 0 rg BT 99.94 349.50 Td (those ) Tj ET Q q 0 0 0 rg BT 125.47 349.50 Td (loans. ) Tj ET Q q 0 0 0 rg BT 153.49 349.50 Td (Nonrecurring ) Tj ET Q q 0 0 0 rg BT 211.77 349.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 263.96 349.50 Td (also ) Tj ET Q q 0 0 0 rg BT 284.49 349.50 Td (include ) Tj ET Q q 0 0 0 rg BT 318.34 349.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 349.96 349.50 Td (impairment ) Tj ET Q q 0 0 0 rg BT 400.47 349.50 Td (amounts ) Tj ET Q q 0 0 0 rg BT 438.78 349.50 Td (for ) Tj ET Q q 0 0 0 rg BT 454.85 349.50 Td (collateral-dependent ) Tj ET Q q 0 0 0 rg BT 540.89 349.50 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.50 Td (calculated ) Tj ET Q q 0 0 0 rg BT 93.16 337.50 Td (in ) Tj ET Q q 0 0 0 rg BT 103.56 337.50 Td (accordance ) Tj ET Q q 0 0 0 rg BT 151.15 337.50 Td (with ) Tj ET Q q 0 0 0 rg BT 170.98 337.50 Td (ASC ) Tj ET Q q 0 0 0 rg BT 193.06 337.50 Td (310-10 ) Tj ET Q q 0 0 0 rg BT 224.02 337.50 Td (when ) Tj ET Q q 0 0 0 rg BT 248.31 337.50 Td (establishing ) Tj ET Q q 0 0 0 rg BT 298.72 337.50 Td (the ) Tj ET Q q 0 0 0 rg BT 313.56 337.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 356.72 337.50 Td (for ) Tj ET Q q 0 0 0 rg BT 371.01 337.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 396.41 337.50 Td (losses. ) Tj ET Q q 0 0 0 rg BT 425.43 337.50 Td (Such ) Tj ET Q q 0 0 0 rg BT 448.06 337.50 Td (amounts ) Tj ET Q q 0 0 0 rg BT 484.57 337.50 Td (are ) Tj ET Q q 0 0 0 rg BT 499.41 337.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 539.24 337.50 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.50 Td (on ) Tj ET Q q 0 0 0 rg BT 61.91 325.50 Td (the ) Tj ET Q q 0 0 0 rg BT 76.04 325.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 91.83 325.50 Td (value ) Tj ET Q q 0 0 0 rg BT 115.40 325.50 Td (of ) Tj ET Q q 0 0 0 rg BT 125.64 325.50 Td (the ) Tj ET Q q 0 0 0 rg BT 139.77 325.50 Td (underlying ) Tj ET Q q 0 0 0 rg BT 185.00 325.50 Td (collateral ) Tj ET Q q 0 0 0 rg BT 224.11 325.50 Td (supporting ) Tj ET Q q 0 0 0 rg BT 268.80 325.50 Td (the ) Tj ET Q q 0 0 0 rg BT 282.93 325.50 Td (loan. ) Tj ET Q q 0 0 0 rg BT 304.56 325.50 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 345.90 325.50 Td (is ) Tj ET Q q 0 0 0 rg BT 354.48 325.50 Td (typically ) Tj ET Q q 0 0 0 rg BT 391.38 325.50 Td (valued ) Tj ET Q q 0 0 0 rg BT 419.95 325.50 Td (using ) Tj ET Q q 0 0 0 rg BT 443.53 325.50 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 485.43 325.50 Td (or ) Tj ET Q q 0 0 0 rg BT 495.67 325.50 Td (other ) Tj ET Q q 0 0 0 rg BT 518.13 325.50 Td (indications ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.50 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 313.50 Td (value ) Tj ET Q q 0 0 0 rg BT 85.16 313.50 Td (based ) Tj ET Q q 0 0 0 rg BT 110.51 313.50 Td (on ) Tj ET Q q 0 0 0 rg BT 123.10 313.50 Td (recent ) Tj ET Q q 0 0 0 rg BT 150.10 313.50 Td (comparable ) Tj ET Q q 0 0 0 rg BT 199.33 313.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 221.35 313.50 Td (of ) Tj ET Q q 0 0 0 rg BT 232.27 313.50 Td (similar ) Tj ET Q q 0 0 0 rg BT 262.63 313.50 Td (properties ) Tj ET Q q 0 0 0 rg BT 305.20 313.50 Td (or ) Tj ET Q q 0 0 0 rg BT 316.12 313.50 Td (other ) Tj ET Q q 0 0 0 rg BT 339.25 313.50 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 393.78 313.50 Td (Estimates ) Tj ET Q q 0 0 0 rg BT 435.25 313.50 Td (of ) Tj ET Q q 0 0 0 rg BT 446.16 313.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 462.63 313.50 Td (value ) Tj ET Q q 0 0 0 rg BT 486.87 313.50 Td (based ) Tj ET Q q 0 0 0 rg BT 512.22 313.50 Td (on ) Tj ET Q q 0 0 0 rg BT 524.81 313.50 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.50 Td (are ) Tj ET Q q 0 0 0 rg BT 63.81 301.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 102.62 301.50 Td (based ) Tj ET Q q 0 0 0 rg BT 126.99 301.50 Td (on ) Tj ET Q q 0 0 0 rg BT 138.59 301.50 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 189.65 301.50 Td (not ) Tj ET Q q 0 0 0 rg BT 204.03 301.50 Td (observable ) Tj ET Q q 0 0 0 rg BT 248.95 301.50 Td (in ) Tj ET Q q 0 0 0 rg BT 258.33 301.50 Td (the ) Tj ET Q q 0 0 0 rg BT 272.15 301.50 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 322.61 301.50 Td (and ) Tj ET Q q 0 0 0 rg BT 338.65 301.50 Td (therefore ) Tj ET Q q 0 0 0 rg BT 376.34 301.50 Td (such ) Tj ET Q q 0 0 0 rg BT 396.28 301.50 Td (valuations ) Tj ET Q q 0 0 0 rg BT 438.98 301.50 Td (have ) Tj ET Q q 0 0 0 rg BT 459.47 301.50 Td (been ) Tj ET Q q 0 0 0 rg BT 479.95 301.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 519.31 301.50 Td (as ) Tj ET Q q 0 0 0 rg BT 529.25 301.50 Td (Level3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.50 Td (For ) Tj ET Q q 0 0 0 rg BT 66.68 289.50 Td (those ) Tj ET Q q 0 0 0 rg BT 90.58 289.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.48 289.50 Td (where ) Tj ET Q q 0 0 0 rg BT 141.70 289.50 Td (the ) Tj ET Q q 0 0 0 rg BT 156.70 289.50 Td (primary ) Tj ET Q q 0 0 0 rg BT 191.15 289.50 Td (source ) Tj ET Q q 0 0 0 rg BT 220.03 289.50 Td (of ) Tj ET Q q 0 0 0 rg BT 231.15 289.50 Td (repayment ) Tj ET Q q 0 0 0 rg BT 276.15 289.50 Td (is ) Tj ET Q q 0 0 0 rg BT 285.61 289.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.16 289.50 Td (flow ) Tj ET Q q 0 0 0 rg BT 327.28 289.50 Td (from ) Tj ET Q q 0 0 0 rg BT 349.51 289.50 Td (operations, ) Tj ET Q q 0 0 0 rg BT 396.46 289.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 447.02 289.50 Td (include ) Tj ET Q q 0 0 0 rg BT 479.24 289.50 Td (impairment ) Tj ET Q q 0 0 0 rg BT 528.13 289.50 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.50 Td (calculated ) Tj ET Q q 0 0 0 rg BT 93.42 277.50 Td (based ) Tj ET Q q 0 0 0 rg BT 119.08 277.50 Td (on ) Tj ET Q q 0 0 0 rg BT 131.97 277.50 Td (the ) Tj ET Q q 0 0 0 rg BT 147.08 277.50 Td (perceived ) Tj ET Q q 0 0 0 rg BT 188.84 277.50 Td (collectability ) Tj ET Q q 0 0 0 rg BT 243.93 277.50 Td (of ) Tj ET Q q 0 0 0 rg BT 255.15 277.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 287.48 277.50 Td (payments ) Tj ET Q q 0 0 0 rg BT 328.69 277.50 Td (on ) Tj ET Q q 0 0 0 rg BT 341.59 277.50 Td (the ) Tj ET Q q 0 0 0 rg BT 356.70 277.50 Td (basis ) Tj ET Q q 0 0 0 rg BT 379.59 277.50 Td (of ) Tj ET Q q 0 0 0 rg BT 390.81 277.50 Td (a ) Tj ET Q q 0 0 0 rg BT 398.14 277.50 Td (discounted ) Tj ET Q q 0 0 0 rg BT 444.36 277.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 465.02 277.50 Td (flow ) Tj ET Q q 0 0 0 rg BT 486.24 277.50 Td (analysis ) Tj ET Q q 0 0 0 rg BT 521.35 277.50 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 557.57 277.50 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.50 Td (discount ) Tj ET Q q 0 0 0 rg BT 86.39 265.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 103.87 265.50 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 148.02 265.50 Td (to ) Tj ET Q q 0 0 0 rg BT 158.30 265.50 Td (the ) Tj ET Q q 0 0 0 rg BT 173.02 265.50 Td (original ) Tj ET Q q 0 0 0 rg BT 206.62 265.50 Td (note ) Tj ET Q q 0 0 0 rg BT 226.34 265.50 Td (rate.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 247.50 Td (For) Tj ET Q q 0 0 0 rg BT 84.63 247.50 Td (eclosed ) Tj ET Q q 0 0 0 rg BT 118.08 247.50 Td (r) Tj ET Q q 0 0 0 rg BT 121.60 247.50 Td (eal ) Tj ET Q q 0 0 0 rg BT 137.28 247.50 Td (estate:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.94 247.50 Td () Tj ET Q q 0 0 0 rg BT 171.26 247.50 Td (The ) Tj ET Q q 0 0 0 rg BT 190.27 247.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 232.62 247.50 Td (classifies ) Tj ET Q q 0 0 0 rg BT 272.74 247.50 Td (property ) Tj ET Q q 0 0 0 rg BT 310.09 247.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 347.98 247.50 Td (through ) Tj ET Q q 0 0 0 rg BT 382.55 247.50 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 430.99 247.50 Td (or ) Tj ET Q q 0 0 0 rg BT 442.79 247.50 Td (acceptance ) Tj ET Q q 0 0 0 rg BT 490.10 247.50 Td (of ) Tj ET Q q 0 0 0 rg BT 501.90 247.50 Td (deed-in-lieu ) Tj ET Q q 0 0 0 rg BT 553.67 247.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.50 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 97.07 235.50 Td (as ) Tj ET Q q 0 0 0 rg BT 107.49 235.50 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 151.22 235.50 Td (real ) Tj ET Q q 0 0 0 rg BT 168.30 235.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 193.15 235.50 Td (and ) Tj ET Q q 0 0 0 rg BT 209.68 235.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 258.98 235.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 284.40 235.50 Td (in ) Tj ET Q q 0 0 0 rg BT 294.27 235.50 Td (its ) Tj ET Q q 0 0 0 rg BT 305.81 235.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 342.88 235.50 Td (statements. ) Tj ET Q q 0 0 0 rg BT 389.68 235.50 Td (Upon ) Tj ET Q q 0 0 0 rg BT 413.99 235.50 Td (foreclosure, ) Tj ET Q q 0 0 0 rg BT 463.55 235.50 Td (the ) Tj ET Q q 0 0 0 rg BT 477.86 235.50 Td (property ) Tj ET Q q 0 0 0 rg BT 513.83 235.50 Td (securing ) Tj ET Q q 0 0 0 rg BT 549.79 235.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.97 223.50 Td (is ) Tj ET Q q 0 0 0 rg BT 79.39 223.50 Td (written ) Tj ET Q q 0 0 0 rg BT 110.47 223.50 Td (down ) Tj ET Q q 0 0 0 rg BT 135.44 223.50 Td (to ) Tj ET Q q 0 0 0 rg BT 145.97 223.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 162.60 223.50 Td (value ) Tj ET Q q 0 0 0 rg BT 187.00 223.50 Td (less ) Tj ET Q q 0 0 0 rg BT 204.76 223.50 Td (selling ) Tj ET Q q 0 0 0 rg BT 234.17 223.50 Td (costs. ) Tj ET Q q 0 0 0 rg BT 259.23 223.50 Td (The ) Tj ET Q q 0 0 0 rg BT 277.52 223.50 Td (write-down ) Tj ET Q q 0 0 0 rg BT 326.37 223.50 Td (is ) Tj ET Q q 0 0 0 rg BT 335.79 223.50 Td (based ) Tj ET Q q 0 0 0 rg BT 361.31 223.50 Td (upon ) Tj ET Q q 0 0 0 rg BT 384.07 223.50 Td (dif) Tj ET Q q 0 0 0 rg BT 394.99 223.50 Td (ferences ) Tj ET Q q 0 0 0 rg BT 431.05 223.50 Td (between ) Tj ET Q q 0 0 0 rg BT 467.12 223.50 Td (the ) Tj ET Q q 0 0 0 rg BT 482.09 223.50 Td (appraised ) Tj ET Q q 0 0 0 rg BT 523.15 223.50 Td (value ) Tj ET Q q 0 0 0 rg BT 547.56 223.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.50 Td (the ) Tj ET Q q 0 0 0 rg BT 63.53 211.50 Td (book ) Tj ET Q q 0 0 0 rg BT 84.84 211.50 Td (value. ) Tj ET Q q 0 0 0 rg BT 110.01 211.50 Td (Appraisals ) Tj ET Q q 0 0 0 rg BT 154.09 211.50 Td (are ) Tj ET Q q 0 0 0 rg BT 167.61 211.50 Td (based ) Tj ET Q q 0 0 0 rg BT 191.69 211.50 Td (on ) Tj ET Q q 0 0 0 rg BT 203.00 211.50 Td (observable ) Tj ET Q q 0 0 0 rg BT 247.62 211.50 Td (market ) Tj ET Q q 0 0 0 rg BT 276.70 211.50 Td (data ) Tj ET Q q 0 0 0 rg BT 294.66 211.50 Td (such ) Tj ET Q q 0 0 0 rg BT 314.30 211.50 Td (as ) Tj ET Q q 0 0 0 rg BT 323.94 211.50 Td (comparable ) Tj ET Q q 0 0 0 rg BT 371.89 211.50 Td (sales, ) Tj ET Q q 0 0 0 rg BT 395.14 211.50 Td (however ) Tj ET Q q 0 0 0 rg BT 430.88 211.50 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 481.64 211.50 Td (made ) Tj ET Q q 0 0 0 rg BT 504.60 211.50 Td (in ) Tj ET Q q 0 0 0 rg BT 513.69 211.50 Td (determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.50 Td (comparability ) Tj ET Q q 0 0 0 rg BT 108.04 199.50 Td (are ) Tj ET Q q 0 0 0 rg BT 122.74 199.50 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 178.56 199.50 Td (and ) Tj ET Q q 0 0 0 rg BT 195.50 199.50 Td (therefore ) Tj ET Q q 0 0 0 rg BT 234.08 199.50 Td (these ) Tj ET Q q 0 0 0 rg BT 257.13 199.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 282.96 199.50 Td (are ) Tj ET Q q 0 0 0 rg BT 297.67 199.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 337.93 199.50 Td (as ) Tj ET Q q 0 0 0 rg BT 348.76 199.50 Td (Level3 ) Tj ET Q q 0 0 0 rg BT 381.52 199.50 Td (within ) Tj ET Q q 0 0 0 rg BT 409.58 199.50 Td (the ) Tj ET Q q 0 0 0 rg BT 424.30 199.50 Td (valuation ) Tj ET Q q 0 0 0 rg BT 464.01 199.50 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 501.11 199.50 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 70.00 181.50 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 110.38 181.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 136.89 181.50 Td (and ) Tj ET Q q 0 0 0 rg BT 154.51 181.50 Td (liabilities: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.24 181.50 Td (When ) Tj ET Q q 0 0 0 rg BT 224.73 181.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 248.46 181.50 Td (are ) Tj ET Q q 0 0 0 rg BT 263.29 181.50 Td (sold, ) Tj ET Q q 0 0 0 rg BT 285.08 181.50 Td (on ) Tj ET Q q 0 0 0 rg BT 297.69 181.50 Td (a ) Tj ET Q q 0 0 0 rg BT 304.75 181.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 344.02 181.50 Td (retained ) Tj ET Q q 0 0 0 rg BT 378.85 181.50 Td (basis, ) Tj ET Q q 0 0 0 rg BT 403.96 181.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 443.24 181.50 Td (rights ) Tj ET Q q 0 0 0 rg BT 468.64 181.50 Td (are ) Tj ET Q q 0 0 0 rg BT 483.46 181.50 Td (initially ) Tj ET Q q 0 0 0 rg BT 517.19 181.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 554.78 181.50 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 65.71 169.50 Td (value. ) Tj ET Q q 0 0 0 rg BT 91.29 169.50 Td (All ) Tj ET Q q 0 0 0 rg BT 105.91 169.50 Td (classes ) Tj ET Q q 0 0 0 rg BT 135.51 169.50 Td (of ) Tj ET Q q 0 0 0 rg BT 145.67 169.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 184.16 169.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 209.32 169.50 Td (are ) Tj ET Q q 0 0 0 rg BT 223.36 169.50 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 277.42 169.50 Td (measured ) Tj ET Q q 0 0 0 rg BT 317.56 169.50 Td (using ) Tj ET Q q 0 0 0 rg BT 341.07 169.50 Td (the ) Tj ET Q q 0 0 0 rg BT 355.12 169.50 Td (amortization ) Tj ET Q q 0 0 0 rg BT 407.49 169.50 Td (method ) Tj ET Q q 0 0 0 rg BT 439.32 169.50 Td (which ) Tj ET Q q 0 0 0 rg BT 465.59 169.50 Td (required ) Tj ET Q q 0 0 0 rg BT 500.74 169.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 539.23 169.50 Td (rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.50 Td (to ) Tj ET Q q 0 0 0 rg BT 59.92 157.50 Td (be ) Tj ET Q q 0 0 0 rg BT 71.50 157.50 Td (amortized. ) Tj ET Q q 0 0 0 rg BT 115.97 157.50 Td (The ) Tj ET Q q 0 0 0 rg BT 133.66 157.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 149.68 157.50 Td (value ) Tj ET Q q 0 0 0 rg BT 173.48 157.50 Td (of ) Tj ET Q q 0 0 0 rg BT 183.95 157.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 222.75 157.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 248.22 157.50 Td (and ) Tj ET Q q 0 0 0 rg BT 264.80 157.50 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 304.16 157.50 Td (are ) Tj ET Q q 0 0 0 rg BT 318.51 157.50 Td (not ) Tj ET Q q 0 0 0 rg BT 333.43 157.50 Td (measured ) Tj ET Q q 0 0 0 rg BT 373.89 157.50 Td (on ) Tj ET Q q 0 0 0 rg BT 386.03 157.50 Td (an ) Tj ET Q q 0 0 0 rg BT 397.61 157.50 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 432.53 157.50 Td (basis ) Tj ET Q q 0 0 0 rg BT 454.68 157.50 Td (but ) Tj ET Q q 0 0 0 rg BT 469.60 157.50 Td (are ) Tj ET Q q 0 0 0 rg BT 483.95 157.50 Td (subject ) Tj ET Q q 0 0 0 rg BT 514.41 157.50 Td (to ) Tj ET Q q 0 0 0 rg BT 524.33 157.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 157.50 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 100.27 145.50 Td (when ) Tj ET Q q 0 0 0 rg BT 124.43 145.50 Td (and ) Tj ET Q q 0 0 0 rg BT 141.37 145.50 Td (if ) Tj ET Q q 0 0 0 rg BT 149.98 145.50 Td (the ) Tj ET Q q 0 0 0 rg BT 164.70 145.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 190.53 145.50 Td (are ) Tj ET Q q 0 0 0 rg BT 205.23 145.50 Td (deemed ) Tj ET Q q 0 0 0 rg BT 238.83 145.50 Td (to ) Tj ET Q q 0 0 0 rg BT 249.11 145.50 Td (be ) Tj ET Q q 0 0 0 rg BT 261.04 145.50 Td (impaired.) 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 298.50 31.60 Td (108) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (20. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Regulatory Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.33 724.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 119.09 724.25 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 155.58 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.58 724.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 194.14 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 210.36 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 224.35 724.25 Td (other ) Tj ET Q q 0 0 0 rg BT 246.68 724.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 276.21 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 292.43 724.25 Td (state ) Tj ET Q q 0 0 0 rg BT 312.54 724.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 333.75 724.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 376.63 724.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 412.83 724.25 Td (establish ) Tj ET Q q 0 0 0 rg BT 449.61 724.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 492.48 724.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 520.91 724.25 Td (guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 712.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 84.44 712.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 119.16 712.25 Td (or) Tj ET Q q 0 0 0 rg BT 127.31 712.25 Td (ganizations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 694.25 Td (As ) Tj ET Q q 0 0 0 rg BT 83.54 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.30 694.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 137.83 694.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 162.76 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.41 694.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 218.73 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.60 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.25 694.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 273.79 694.25 Td (became ) Tj ET Q q 0 0 0 rg BT 306.75 694.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 337.50 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 347.71 694.25 Td (new ) Tj ET Q q 0 0 0 rg BT 366.80 694.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 395.88 694.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 417.75 694.25 Td (set ) Tj ET Q q 0 0 0 rg BT 431.29 694.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 453.16 694.25 Td (by ) Tj ET Q q 0 0 0 rg BT 465.59 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.24 694.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 512.66 694.25 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 549.79 694.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 75.45 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 92.55 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.44 682.25 Td (other ) Tj ET Q q 0 0 0 rg BT 130.65 682.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 161.07 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.17 682.25 Td (state ) Tj ET Q q 0 0 0 rg BT 199.17 682.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 221.27 682.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 265.03 682.25 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 304.43 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 322.64 682.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 351.96 682.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 374.06 682.25 Td (revise ) Tj ET Q q 0 0 0 rg BT 400.60 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.49 682.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 450.37 682.25 Td (agencies) Tj ET Q q 0 0 0 rg BT 487.38 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 490.05 682.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 526.57 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 543.68 682.25 Td (risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (based ) Tj ET Q q 0 0 0 rg BT 74.77 670.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 103.43 670.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 157.63 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.07 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.29 670.25 Td (method ) Tj ET Q q 0 0 0 rg BT 220.29 670.25 Td (for ) Tj ET Q q 0 0 0 rg BT 233.96 670.25 Td (calculating ) Tj ET Q q 0 0 0 rg BT 279.83 670.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 296.83 670.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 335.49 670.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 360.82 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 370.60 670.25 Td (make ) Tj ET Q q 0 0 0 rg BT 394.26 670.25 Td (them ) Tj ET Q q 0 0 0 rg BT 416.26 670.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 458.26 670.25 Td (with ) Tj ET Q q 0 0 0 rg BT 478.04 670.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 525.58 670.25 Td (that ) Tj ET Q q 0 0 0 rg BT 542.58 670.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (reached ) Tj ET Q q 0 0 0 rg BT 84.27 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 97.45 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.85 658.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 138.25 658.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 185.87 658.25 Td (on ) Tj ET Q q 0 0 0 rg BT 199.05 658.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 236.12 658.25 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 287.08 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 304.70 658.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 335.09 658.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 379.94 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 391.45 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.85 658.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 458.21 658.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 475.84 658.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 494.56 658.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 519.96 658.25 Td (III ) Tj ET Q q 0 0 0 rg BT 533.14 658.25 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Rules\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.75 628.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 112.16 628.25 Td (III ) Tj ET Q q 0 0 0 rg BT 124.35 628.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 155.43 628.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 180.41 628.25 Td (establish ) Tj ET Q q 0 0 0 rg BT 217.61 628.25 Td (a ) Tj ET Q q 0 0 0 rg BT 224.25 628.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 265.34 628.25 Td (common ) Tj ET Q q 0 0 0 rg BT 302.53 628.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 329.57 628.25 Td (T) Tj ET Q q 0 0 0 rg BT 335.32 628.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 348.07 628.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 355.27 628.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 384.12 628.25 Td (requirement ) Tj ET Q q 0 0 0 rg BT 434.63 628.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.16 628.25 Td (4.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.99 628.25 Td ( ) Tj ET Q q 0 0 0 rg BT 468.19 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 478.72 628.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 535.91 628.25 Td (assets; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (set ) Tj ET Q q 0 0 0 rg BT 63.94 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.99 616.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 120.72 616.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 157.41 616.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.57 616.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.62 616.25 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.95 616.25 Td ( ) Tj ET Q q 0 0 0 rg BT 204.79 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 215.95 616.25 Td (total ) Tj ET Q q 0 0 0 rg BT 236.56 616.25 Td (assets; ) Tj ET Q q 0 0 0 rg BT 265.50 616.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 306.09 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.14 616.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 362.66 616.25 Td (T) Tj ET Q q 0 0 0 rg BT 368.41 616.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 381.79 616.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 389.63 616.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 419.11 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 429.72 616.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 487.54 616.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 513.70 616.25 Td (requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.12 604.25 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.45 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.13 604.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.59 604.25 Td (6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.92 604.25 Td (; ) Tj ET Q q 0 0 0 rg BT 113.38 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.50 604.25 Td (retained ) Tj ET Q q 0 0 0 rg BT 163.39 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.29 604.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 217.86 604.25 Td (total ) Tj ET Q q 0 0 0 rg BT 237.32 604.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 265.65 604.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.11 604.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 291.79 604.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 330.13 604.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 355.14 604.25 Td (requirement ) Tj ET Q q 0 0 0 rg BT 405.13 604.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.03 604.25 Td (8.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.86 604.25 Td (. ) Tj ET Q q 0 0 0 rg BT 438.67 604.25 Td (A) Tj ET Q q 0 0 0 rg BT 445.34 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 447.03 604.25 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 521.44 604.25 Td (institution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (must ) Tj ET Q q 0 0 0 rg BT 71.95 592.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 111.65 592.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 149.14 592.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 178.29 592.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 203.01 592.25 Td (100 ) Tj ET Q q 0 0 0 rg BT 220.51 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 230.79 592.25 Td (200 ) Tj ET Q q 0 0 0 rg BT 248.29 592.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 270.79 592.25 Td (points ) Tj ET Q q 0 0 0 rg BT 297.73 592.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 325.78 592.25 Td (than ) Tj ET Q q 0 0 0 rg BT 345.50 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 360.21 592.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 401.61 592.25 Td (guidelines.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 574.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.37 574.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 113.42 574.25 Td (III ) Tj ET Q q 0 0 0 rg BT 126.23 574.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 157.94 574.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 183.54 574.25 Td (also ) Tj ET Q q 0 0 0 rg BT 202.48 574.25 Td (change ) Tj ET Q q 0 0 0 rg BT 233.62 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.66 574.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 266.49 574.25 Td (weights ) Tj ET Q q 0 0 0 rg BT 300.42 574.25 Td (assigned ) Tj ET Q q 0 0 0 rg BT 337.69 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 348.29 574.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 378.32 574.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 406.77 574.25 Td (The ) Tj ET Q q 0 0 0 rg BT 425.15 574.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 450.19 574.25 Td (III ) Tj ET Q q 0 0 0 rg BT 463.01 574.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 494.71 574.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 520.32 574.25 Td (assigned ) Tj ET Q q 0 0 0 rg BT 557.58 574.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.83 562.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 95.12 562.25 Td (weight ) Tj ET Q q 0 0 0 rg BT 124.62 562.25 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.95 562.25 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.28 562.25 Td (\) ) Tj ET Q q 0 0 0 rg BT 156.89 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 166.95 562.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 190.35 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 207.63 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 222.12 562.25 Td (more ) Tj ET Q q 0 0 0 rg BT 244.95 562.25 Td (than ) Tj ET Q q 0 0 0 rg BT 264.45 562.25 Td (90days ) Tj ET Q q 0 0 0 rg BT 297.56 562.25 Td (past ) Tj ET Q q 0 0 0 rg BT 315.96 562.25 Td (due ) Tj ET Q q 0 0 0 rg BT 332.68 562.25 Td (or ) Tj ET Q q 0 0 0 rg BT 343.29 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 357.78 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 370.07 562.25 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 416.21 562.25 Td (status ) Tj ET Q q 0 0 0 rg BT 441.28 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 458.00 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.06 562.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 497.55 562.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.03 562.25 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.56 550.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 112.78 550.25 Td (that ) Tj ET Q q 0 0 0 rg BT 130.56 550.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 162.78 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.79 550.25 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 226.96 550.25 Td (development ) Tj ET Q q 0 0 0 rg BT 281.40 550.25 Td (or ) Tj ET Q q 0 0 0 rg BT 292.53 550.25 Td (construction ) Tj ET Q q 0 0 0 rg BT 344.75 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 355.87 550.25 Td (real ) Tj ET Q q 0 0 0 rg BT 373.65 550.25 Td (property) Tj ET Q q 0 0 0 rg BT 406.88 550.25 Td (. ) Tj ET Q q 0 0 0 rg BT 411.97 550.25 Td (The ) Tj ET Q q 0 0 0 rg BT 430.31 550.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 455.32 550.25 Td (III ) Tj ET Q q 0 0 0 rg BT 468.10 550.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 499.77 550.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 525.34 550.25 Td (also ) Tj ET Q q 0 0 0 rg BT 544.24 550.25 Td (alter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.59 538.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 81.97 538.25 Td (weighting ) Tj ET Q q 0 0 0 rg BT 124.34 538.25 Td (for ) Tj ET Q q 0 0 0 rg BT 138.37 538.25 Td (other ) Tj ET Q q 0 0 0 rg BT 161.29 538.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 189.50 538.25 Td (including ) Tj ET Q q 0 0 0 rg BT 229.64 538.25 Td (marketable ) Tj ET Q q 0 0 0 rg BT 276.44 538.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 303.81 538.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 343.95 538.25 Td (that ) Tj ET Q q 0 0 0 rg BT 361.31 538.25 Td (are ) Tj ET Q q 0 0 0 rg BT 375.90 538.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 393.27 538.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 432.30 538.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 471.88 538.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.47 538.25 Td (300%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 538.25 Td (. ) Tj ET Q q 0 0 0 rg BT 509.50 538.25 Td (The ) Tj ET Q q 0 0 0 rg BT 527.42 538.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 552.01 538.25 Td (III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 82.49 526.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 108.88 526.25 Td (require ) Tj ET Q q 0 0 0 rg BT 140.80 526.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 171.61 526.25 Td (components ) Tj ET Q q 0 0 0 rg BT 223.54 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 235.48 526.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 289.61 526.25 Td (other ) Tj ET Q q 0 0 0 rg BT 313.77 526.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 377.91 526.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.95 526.25 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 436.78 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.16 526.25 Td (be ) Tj ET Q q 0 0 0 rg BT 461.21 526.25 Td (included ) Tj ET Q q 0 0 0 rg BT 499.25 526.25 Td (for ) Tj ET Q q 0 0 0 rg BT 514.52 526.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 553.68 526.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (calculating ) Tj ET Q q 0 0 0 rg BT 96.64 514.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 140.50 514.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 169.92 514.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 224.89 514.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 252.66 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 259.87 514.25 Td (one-time ) Tj ET Q q 0 0 0 rg BT 298.18 514.25 Td (opt-out ) Tj ET Q q 0 0 0 rg BT 329.84 514.25 Td (is ) Tj ET Q q 0 0 0 rg BT 339.28 514.25 Td (exercised. ) Tj ET Q q 0 0 0 rg BT 382.10 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 400.42 514.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 424.30 514.25 Td (did ) Tj ET Q q 0 0 0 rg BT 439.85 514.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 475.37 514.25 Td (its ) Tj ET Q q 0 0 0 rg BT 487.59 514.25 Td (opt-out ) Tj ET Q q 0 0 0 rg BT 519.25 514.25 Td (option ) Tj ET Q q 0 0 0 rg BT 547.57 514.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (will ) Tj ET Q q 0 0 0 rg BT 68.52 502.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 102.57 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 117.74 502.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 162.34 502.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 182.52 502.25 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 207.70 502.25 Td (on ) Tj ET Q q 0 0 0 rg BT 220.66 502.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 267.50 502.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 308.22 502.25 Td (component ) Tj ET Q q 0 0 0 rg BT 355.62 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.90 502.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 420.39 502.25 Td (other ) Tj ET Q q 0 0 0 rg BT 443.90 502.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 507.39 502.25 Td (income ) Tj ET Q q 0 0 0 rg BT 539.78 502.25 Td (\(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.94 490.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 115.53 490.25 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.25 Td (The ) Tj ET Q q 0 0 0 rg BT 88.05 472.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 112.77 472.25 Td (III ) Tj ET Q q 0 0 0 rg BT 125.27 472.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 156.66 472.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 181.94 472.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 203.33 472.25 Td (a ) Tj ET Q q 0 0 0 rg BT 210.28 472.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 245.00 472.25 Td (or) Tj ET Q q 0 0 0 rg BT 253.15 472.25 Td (ganization) Tj ET Q q 0 0 0 rg BT 297.58 472.25 Td (s ) Tj ET Q q 0 0 0 rg BT 303.97 472.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 333.13 472.25 Td (distributions ) Tj ET Q q 0 0 0 rg BT 385.64 472.25 Td (and ) Tj ET Q q 0 0 0 rg BT 402.58 472.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 432.29 472.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 487.00 472.25 Td (bonus ) Tj ET Q q 0 0 0 rg BT 513.39 472.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 554.22 472.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 90.79 460.25 Td (of) Tj ET Q q 0 0 0 rg BT 98.94 460.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 123.63 460.25 Td (if ) Tj ET Q q 0 0 0 rg BT 132.22 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 146.92 460.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 181.62 460.25 Td (or) Tj ET Q q 0 0 0 rg BT 189.77 460.25 Td (ganization ) Tj ET Q q 0 0 0 rg BT 233.90 460.25 Td (does ) Tj ET Q q 0 0 0 rg BT 254.71 460.25 Td (not ) Tj ET Q q 0 0 0 rg BT 269.97 460.25 Td (hold ) Tj ET Q q 0 0 0 rg BT 290.23 460.25 Td (a ) Tj ET Q q 0 0 0 rg BT 297.15 460.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 330.72 460.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 384.30 460.25 Td (buf) Tj ET Q q 0 0 0 rg BT 397.45 460.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 415.47 460.25 Td (consisting ) Tj ET Q q 0 0 0 rg BT 458.51 460.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.32 460.25 Td (2.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 460.25 Td ( ) Tj ET Q q 0 0 0 rg BT 492.63 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 503.44 460.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 547.02 460.25 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (based ) Tj ET Q q 0 0 0 rg BT 74.90 448.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 103.67 448.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 128.02 448.25 Td (in ) Tj ET Q q 0 0 0 rg BT 137.92 448.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 172.82 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 182.72 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.07 448.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 229.19 448.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 270.18 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 280.09 448.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 301.65 448.25 Td (its ) Tj ET Q q 0 0 0 rg BT 313.22 448.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 354.24 448.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 397.47 448.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 426.24 448.25 Td (requirements. ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 482.88 455.18 81.63 -9.09 re f /GS0 gs q 0 0 0 rg BT 482.60 448.25 Td (As ) Tj ET Q q 0 0 0 rg BT 495.84 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.30 448.25 Td (December ) Tj ET Q q 0 0 0 rg BT 549.51 448.25 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 50.00 443.18 184.20 -9.09 re f /GS0 gs q 0 0 0 rg BT 50.00 436.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 72.50 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 87.22 436.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 140.81 436.25 Td (buf) Tj ET Q q 0 0 0 rg BT 153.96 436.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 167.56 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.84 436.25 Td (be ) Tj ET Q q 0 0 0 rg BT 189.78 436.25 Td (added ) Tj ET Q q 0 0 0 rg BT 216.15 436.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 234.20 443.18 30.83 -9.09 re f /GS0 gs q 0 0 0 rg BT 234.20 436.25 Td (1.875%) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 265.03 443.18 58.87 -9.09 re f /GS0 gs q 0 0 0 rg BT 265.03 436.25 Td (, ) Tj ET Q q 0 0 0 rg BT 270.03 436.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 313.63 436.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 323.91 443.18 20.83 -9.09 re f /GS0 gs q 0 0 0 rg BT 323.91 436.25 Td (2.5%) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 344.74 443.18 81.10 -9.09 re f /GS0 gs q 0 0 0 rg BT 344.74 436.25 Td ( ) Tj ET Q q 0 0 0 rg BT 347.24 436.25 Td (on ) Tj ET Q q 0 0 0 rg BT 359.74 436.25 Td (January ) Tj ET Q q 0 0 0 rg BT 393.33 436.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 403.33 436.25 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 418.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 101.10 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 111.65 418.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 133.85 418.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 175.52 418.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 204.94 418.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 259.92 418.25 Td (can ) Tj ET Q q 0 0 0 rg BT 276.57 418.25 Td (initiate ) Tj ET Q q 0 0 0 rg BT 307.11 418.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 337.08 418.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 382.62 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 399.83 418.25 Td (possibly ) Tj ET Q q 0 0 0 rg BT 435.94 418.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 478.70 418.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 533.68 418.25 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 406.25 Td (regulators ) Tj ET Q q 0 0 0 rg BT 104.99 406.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 124.98 406.25 Td (if ) Tj ET Q q 0 0 0 rg BT 133.59 406.25 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 183.01 406.25 Td (could ) Tj ET Q q 0 0 0 rg BT 207.73 406.25 Td (have ) Tj ET Q q 0 0 0 rg BT 229.11 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 236.04 406.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 261.31 406.25 Td (material ) Tj ET Q q 0 0 0 rg BT 296.57 406.25 Td (ef) Tj ET Q q 0 0 0 rg BT 304.16 406.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 321.64 406.25 Td (on ) Tj ET Q q 0 0 0 rg BT 334.14 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.86 406.25 Td (Company) Tj ET Q q 0 0 0 rg BT 390.52 406.25 Td (s ) Tj ET Q q 0 0 0 rg BT 396.91 406.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 449.96 406.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 487.44 406.25 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 388.25 Td (As ) Tj ET Q q 0 0 0 rg BT 84.13 388.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.49 388.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 154.59 388.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.59 388.25 Td (, ) Tj ET Q q 0 0 0 rg BT 180.11 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.35 388.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 219.48 388.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.94 388.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 278.85 388.25 Td (have ) Tj ET Q q 0 0 0 rg BT 300.75 388.25 Td (met ) Tj ET Q q 0 0 0 rg BT 318.76 388.25 Td (all ) Tj ET Q q 0 0 0 rg BT 331.78 388.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 361.45 388.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 402.23 388.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 457.45 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.25 388.25 Td (which ) Tj ET Q q 0 0 0 rg BT 495.71 388.25 Td (they ) Tj ET Q q 0 0 0 rg BT 515.95 388.25 Td (are ) Tj ET Q q 0 0 0 rg BT 531.18 388.25 Td (subject. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (There ) Tj ET Q q 0 0 0 rg BT 75.82 376.25 Td (are ) Tj ET Q q 0 0 0 rg BT 90.52 376.25 Td (no ) Tj ET Q q 0 0 0 rg BT 103.02 376.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 147.19 376.25 Td (or ) Tj ET Q q 0 0 0 rg BT 158.02 376.25 Td (events ) Tj ET Q q 0 0 0 rg BT 186.06 376.25 Td (since ) Tj ET Q q 0 0 0 rg BT 209.11 376.25 Td (then ) Tj ET Q q 0 0 0 rg BT 228.83 376.25 Td (that ) Tj ET Q q 0 0 0 rg BT 246.32 376.25 Td (management ) Tj ET Q q 0 0 0 rg BT 299.91 376.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 335.18 376.25 Td (have ) Tj ET Q q 0 0 0 rg BT 356.55 376.25 Td (changed ) Tj ET Q q 0 0 0 rg BT 392.37 376.25 Td (this ) Tj ET Q q 0 0 0 rg BT 409.32 376.25 Td (conclusion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 358.25 Td (The capital amounts and ratios for the Bank and the Company at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.48 358.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.07 358.25 Td ( were as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 304.75 m 292.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 304.75 m 296.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 304.75 m 346.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 304.75 m 400.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 304.75 m 404.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 304.75 m 454.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 304.75 m 508.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 304.75 m 512.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 304.75 m 562.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 291.75 m 292.5 291.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 291.75 m 346.5 291.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 291.75 m 400.5 291.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 291.75 m 454.5 291.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 291.75 m 508.5 291.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 291.75 m 562.5 291.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 308.98 Td (Actual Capital) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.75 332.98 Td (Minimum Regulatory) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 366.35 324.98 Td (Capital Requir) Tj ET Q q 0 0 0 rg BT 417.61 324.98 Td (ed for) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 363.30 316.98 Td (Capital ) Tj ET Q q 0 0 0 rg BT 390.42 316.98 Td (Adequacy plus) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.40 308.98 Td (Capital Conservation Buffer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.75 332.98 Td (Minimum Regulatory) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.25 324.98 Td (Capital to be ) Tj ET Q q 0 0 0 rg BT 525.18 324.98 Td (W) Tj ET Q q 0 0 0 rg BT 532.88 324.98 Td (ell) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.55 316.98 Td (Capitalized Under) Tj ET Q q 0 0 0 rg BT 527.36 316.98 Td ( Pr) Tj ET Q q 0 0 0 rg BT 537.66 316.98 Td (ompt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.00 308.98 Td (Corr) Tj ET Q q 0 0 0 rg BT 477.81 308.98 Td (ective ) Tj ET Q q 0 0 0 rg BT 499.05 308.98 Td (Action Pr) Tj ET Q q 0 0 0 rg BT 531.86 308.98 Td (ovisions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.95 295.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.65 295.98 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 295.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.65 295.98 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.95 295.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.65 295.98 Td (Ratio) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 364.85 282.98 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 268.42 Td (Bankwell Bank) 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 59 252.08339843750002 m 137.583984375 252.08339843750002 l s q 0 0 0 rg BT 59.00 253.42 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 238.42 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 127.80 238.42 Td (T) Tj ET Q q 0 0 0 rg BT 133.64 238.42 Td (ier 1 Capital to Risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 228.42 Td (W) Tj ET Q q 0 0 0 rg BT 68.04 228.42 Td (eighted ) Tj ET Q q 0 0 0 rg BT 99.30 228.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 228.32 Td (.............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 228.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 228.42 Td (191,128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 228.42 Td (1) Tj ET Q q 0 0 0 rg BT 320.15 228.42 Td (1.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 228.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 228.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 228.42 Td (105,392) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 228.42 Td (6.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 228.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 228.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 228.42 Td (107,459) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 228.42 Td (6.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 228.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 213.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 213.42 Td (otal Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 154.27 213.42 Td (eighted ) Tj ET Q q 0 0 0 rg BT 185.53 213.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 213.32 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 213.42 Td (206,593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 213.42 Td (12.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 213.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 213.42 Td (163,255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 213.42 Td (9.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 213.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 213.42 Td (165,321) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 213.42 Td (10.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 213.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 198.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 198.42 Td (ier I Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 156.00 198.42 Td (eighted ) Tj ET Q q 0 0 0 rg BT 187.26 198.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 198.32 Td (..........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 198.42 Td (191,128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 198.42 Td (1) Tj ET Q q 0 0 0 rg BT 320.15 198.42 Td (1.56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 198.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 198.42 Td (130,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 198.42 Td (7.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 198.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 198.42 Td (132,257) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 198.42 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 198.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 183.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 183.42 Td (ier I Capital to ) Tj ET Q q 0 0 0 rg BT 125.02 183.42 Td (A) Tj ET Q q 0 0 0 rg BT 131.59 183.42 Td (verage ) Tj ET Q q 0 0 0 rg BT 160.09 183.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.50 183.32 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 183.42 Td (191,128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 183.42 Td (10.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 183.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 183.42 Td (75,432) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 183.42 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 183.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 183.42 Td (94,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 183.42 Td (5.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 183.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 168.42 Td (Bankwell Financial Group, Inc.) 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 59 152.08339843750002 m 137.583984375 152.08339843750002 l s q 0 0 0 rg BT 59.00 153.42 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 138.42 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 127.80 138.42 Td (T) Tj ET Q q 0 0 0 rg BT 133.64 138.42 Td (ier 1 Capital to Risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 128.42 Td (W) Tj ET Q q 0 0 0 rg BT 68.04 128.42 Td (eighted ) Tj ET Q q 0 0 0 rg BT 99.30 128.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 128.32 Td (.............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 128.42 Td (172,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 128.42 Td (10.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 128.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 128.42 Td (105,575) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 128.42 Td (6.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 128.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 128.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 128.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 113.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 113.42 Td (otal Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 154.27 113.42 Td (eighted ) Tj ET Q q 0 0 0 rg BT 185.53 113.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 113.32 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 113.42 Td (213,035) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 113.42 Td (12.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 113.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 113.42 Td (163,537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 113.42 Td (9.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 113.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 113.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 113.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 98.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 98.42 Td (ier I Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 156.00 98.42 Td (eighted ) Tj ET Q q 0 0 0 rg BT 187.26 98.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 98.32 Td (..........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 98.42 Td (172,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 98.42 Td (10.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 98.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 98.42 Td (130,416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 98.42 Td (7.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 98.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 98.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 98.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 83.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 83.42 Td (ier I Capital to ) Tj ET Q q 0 0 0 rg BT 124.74 83.42 Td (A) Tj ET Q q 0 0 0 rg BT 131.22 83.42 Td (verage ) Tj ET Q q 0 0 0 rg BT 159.82 83.42 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.50 83.32 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 83.42 Td (172,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 83.42 Td (9.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 83.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 83.42 Td (75,567) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 83.42 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 83.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 83.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 83.42 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 223 0 obj <> endobj 224 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 70.00 742.10 Td (The capital amounts and ratios for the Bank and Company at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.77 742.10 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.35 742.10 Td ( were as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 688.6 m 292.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 688.6 m 296.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 688.6 m 346.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 688.6 m 400.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 688.6 m 404.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 688.6 m 454.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 688.6 m 508.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 688.6 m 512.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 688.6 m 562.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 688.6 m 292.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 675.6 m 292.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 688.6 m 296.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 688.6 m 346.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 675.6 m 346.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 688.6 m 400.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 675.6 m 400.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 688.6 m 404.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 688.6 m 454.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 675.6 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 458.5 688.6 m 508.5 688.6 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 508.5 688.6 m 512.5 688.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 688.6 m 562.5 688.6 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 BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 692.83 Td (Actual Capital) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.75 716.83 Td (Minimum Regulatory) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 366.35 708.83 Td (Capital Requir) Tj ET Q q 0 0 0 rg BT 417.61 708.83 Td (ed for) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 363.30 700.83 Td (Capital ) Tj ET Q q 0 0 0 rg BT 390.42 700.83 Td (Adequacy plus) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.40 692.83 Td (Capital Conservation Buffer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.75 716.83 Td (Minimum Regulatory) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.25 708.83 Td (Capital to be ) Tj ET Q q 0 0 0 rg BT 525.18 708.83 Td (W) Tj ET Q q 0 0 0 rg BT 532.88 708.83 Td (ell) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.55 700.83 Td (Capitalized Under) Tj ET Q q 0 0 0 rg BT 527.36 700.83 Td ( Pr) Tj ET Q q 0 0 0 rg BT 537.66 700.83 Td (ompt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.00 692.83 Td (Corr) Tj ET Q q 0 0 0 rg BT 477.81 692.83 Td (ective ) Tj ET Q q 0 0 0 rg BT 499.05 692.83 Td (Action Pr) Tj ET Q q 0 0 0 rg BT 531.86 692.83 Td (ovisions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.95 679.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.65 679.83 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.95 679.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.65 679.83 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.95 679.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.65 679.83 Td (Ratio) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 364.85 666.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 652.27 Td (Bankwell Bank) 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 59 635.9333984375 m 137.583984375 635.9333984375 l s q 0 0 0 rg BT 59.00 637.27 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 622.27 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 127.80 622.27 Td (T) Tj ET Q q 0 0 0 rg BT 133.64 622.27 Td (ier 1 Capital to Risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 612.27 Td (W) Tj ET Q q 0 0 0 rg BT 68.04 612.27 Td (eighted ) Tj ET Q q 0 0 0 rg BT 99.30 612.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 612.17 Td (.............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 612.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 612.27 Td (173,728) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 612.27 Td (10.99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 612.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 612.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 612.27 Td (90,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 612.27 Td (5.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 612.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.00 612.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 612.27 Td (102,709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 612.27 Td (6.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 612.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 597.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 597.27 Td (otal Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 154.27 597.27 Td (eighted ) Tj ET Q q 0 0 0 rg BT 185.53 597.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 597.17 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 597.27 Td (192,632) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 597.27 Td (12.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 597.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 597.27 Td (146,162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 597.27 Td (9.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 597.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 597.27 Td (158,014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 597.27 Td (10.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 597.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 582.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 582.27 Td (ier I Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 156.00 582.27 Td (eighted ) Tj ET Q q 0 0 0 rg BT 187.26 582.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 582.17 Td (..........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 582.27 Td (173,728) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 582.27 Td (10.99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 582.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 582.27 Td (1) Tj ET Q q 0 0 0 rg BT 369.10 582.27 Td (14,560) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 582.27 Td (7.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 582.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 582.27 Td (126,41) Tj ET Q q 0 0 0 rg BT 499.60 582.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 582.27 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 582.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 567.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 567.27 Td (ier I Capital to ) Tj ET Q q 0 0 0 rg BT 125.02 567.27 Td (A) Tj ET Q q 0 0 0 rg BT 131.59 567.27 Td (verage ) Tj ET Q q 0 0 0 rg BT 160.09 567.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.50 567.17 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 567.27 Td (173,728) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 567.27 Td (9.61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 567.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 567.27 Td (72,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 567.27 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 567.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 567.27 Td (90,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 567.27 Td (5.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 567.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 552.27 Td (Bankwell Financial Group, Inc.) 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 59 535.9333984375 m 137.583984375 535.9333984375 l s q 0 0 0 rg BT 59.00 537.27 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 522.27 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 127.80 522.27 Td (T) Tj ET Q q 0 0 0 rg BT 133.64 522.27 Td (ier 1 Capital to Risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 512.27 Td (W) Tj ET Q q 0 0 0 rg BT 68.04 512.27 Td (eighted ) Tj ET Q q 0 0 0 rg BT 99.30 512.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 512.17 Td (.............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 512.27 Td (155,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 512.27 Td (9.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 512.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 512.27 Td (91,194) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 512.27 Td (5.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 512.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 512.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 512.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 497.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 497.27 Td (otal Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 154.27 497.27 Td (eighted ) Tj ET Q q 0 0 0 rg BT 185.53 497.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 497.17 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 497.27 Td (199,984) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 497.27 Td (12.61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 497.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 497.27 Td (146,703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 497.27 Td (9.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 497.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 497.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 497.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 482.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.93 482.27 Td (ier I Capital to Risk-W) Tj ET Q q 0 0 0 rg BT 156.00 482.27 Td (eighted ) Tj ET Q q 0 0 0 rg BT 187.26 482.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.00 482.17 Td (..........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 482.27 Td (155,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 482.27 Td (9.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 482.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 482.27 Td (1) Tj ET Q q 0 0 0 rg BT 369.10 482.27 Td (14,983) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 482.27 Td (7.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 482.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 482.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 482.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 467.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 467.27 Td (ier I Capital to ) Tj ET Q q 0 0 0 rg BT 124.74 467.27 Td (A) Tj ET Q q 0 0 0 rg BT 131.22 467.27 Td (verage ) Tj ET Q q 0 0 0 rg BT 159.82 467.27 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.50 467.17 Td (.....................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.10 467.27 Td (155,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.15 467.27 Td (8.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 467.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 467.27 Td (72,663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.15 467.27 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 467.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 467.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 467.27 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (Regulatory r) Tj ET Q q 0 0 0 rg BT 104.53 445.10 Td (estrictions on dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 427.10 Td (The ) Tj ET Q q 0 0 0 rg BT 88.18 427.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 116.37 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.34 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.19 427.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 183.72 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.13 427.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 211.21 427.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 252.73 427.10 Td (depends, ) Tj ET Q q 0 0 0 rg BT 290.63 427.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.05 427.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 321.73 427.10 Td (on ) Tj ET Q q 0 0 0 rg BT 334.37 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.22 427.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 377.41 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.38 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.23 427.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 426.98 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.39 427.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 454.47 427.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 495.99 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.41 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.26 427.10 Td (Company) Tj ET Q q 0 0 0 rg BT 559.50 427.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.69 415.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 108.01 415.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.14 415.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 178.82 415.10 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 213.67 415.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 257.12 415.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 294.47 415.10 Td (is ) Tj ET Q q 0 0 0 rg BT 303.49 415.10 Td (required ) Tj ET Q q 0 0 0 rg BT 339.17 415.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.30 415.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 366.10 415.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 407.34 415.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.48 415.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 445.93 415.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.62 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.20 415.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 495.08 415.10 Td (s ) Tj ET Q q 0 0 0 rg BT 501.33 415.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 529.80 415.10 Td (retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.70 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.83 403.10 Td (current ) Tj ET Q q 0 0 0 rg BT 104.07 403.10 Td (year ) Tj ET Q q 0 0 0 rg BT 123.19 403.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 141.78 403.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 175.90 403.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 203.93 403.10 Td (from ) Tj ET Q q 0 0 0 rg BT 225.29 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.42 403.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 275.78 403.10 Td (twoyears. ) Tj ET Q q 0 0 0 rg BT 318.66 403.10 Td (The ) Tj ET Q q 0 0 0 rg BT 336.13 403.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 359.15 403.10 Td (is ) Tj ET Q q 0 0 0 rg BT 367.74 403.10 Td (also ) Tj ET Q q 0 0 0 rg BT 385.77 403.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 428.79 403.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.15 403.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 479.29 403.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 520.09 403.10 Td (that ) Tj ET Q q 0 0 0 rg BT 537.00 403.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 79.15 391.10 Td (its ) Tj ET Q q 0 0 0 rg BT 91.09 391.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 120.24 391.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 144.96 391.10 Td (below ) Tj ET Q q 0 0 0 rg BT 171.90 391.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 213.29 391.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 256.88 391.10 Td (requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (Reserve r) Tj ET Q q 0 0 0 rg BT 90.63 373.10 Td (equir) Tj ET Q q 0 0 0 rg BT 113.22 373.10 Td (ements on cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 355.10 Td (The ) Tj ET Q q 0 0 0 rg BT 87.62 355.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 110.79 355.10 Td (is ) Tj ET Q q 0 0 0 rg BT 119.53 355.10 Td (required ) Tj ET Q q 0 0 0 rg BT 154.92 355.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.77 355.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 201.83 355.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.33 355.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 249.29 355.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 280.23 355.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 312.83 355.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.23 355.10 Td ($16.8 ) Tj ET Q q 0 0 0 rg BT 347.80 355.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.69 355.10 Td ( ) Tj ET Q q 0 0 0 rg BT 378.76 355.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.27 355.10 Td ($1) Tj ET Q q 0 0 0 rg BT 404.90 355.10 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 419.47 355.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.36 355.10 Td ( ) Tj ET Q q 0 0 0 rg BT 450.43 355.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.28 355.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.56 355.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 506.62 355.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 540.89 355.10 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.79 343.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 118.44 343.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.44 343.10 Td ( ) Tj ET Q q 0 0 0 rg BT 141.01 343.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.02 343.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.02 343.10 Td (, ) Tj ET Q q 0 0 0 rg BT 183.09 343.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 230.75 343.10 Td (. ) Tj ET Q q 0 0 0 rg BT 235.63 343.10 Td (The ) Tj ET Q q 0 0 0 rg BT 253.75 343.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 277.43 343.10 Td (is ) Tj ET Q q 0 0 0 rg BT 286.67 343.10 Td (also ) Tj ET Q q 0 0 0 rg BT 305.35 343.10 Td (required ) Tj ET Q q 0 0 0 rg BT 341.23 343.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.58 343.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 389.14 343.10 Td (a ) Tj ET Q q 0 0 0 rg BT 396.15 343.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 437.61 343.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 469.05 343.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 502.15 343.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.05 343.10 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 533.12 343.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.91 331.10 Td ($7.5 ) Tj ET Q q 0 0 0 rg BT 86.88 331.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.77 331.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.24 331.10 Td (at ) Tj ET Q q 0 0 0 rg BT 127.93 331.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.07 331.10 Td (Atlantic ) Tj ET Q q 0 0 0 rg BT 176.75 331.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 227.00 331.10 Td (Bankers ) Tj ET Q q 0 0 0 rg BT 262.24 331.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 285.82 331.10 Td (\(formerly ) Tj ET Q q 0 0 0 rg BT 326.60 331.10 Td (Bankers' ) Tj ET Q q 0 0 0 rg BT 363.64 331.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 387.22 331.10 Td (Northeast\) ) Tj ET Q q 0 0 0 rg BT 431.90 331.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.58 331.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 500.14 331.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.14 331.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.61 331.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.52 331.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 331.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 319.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.93 319.10 Td (These ) Tj ET Q q 0 0 0 rg BT 127.72 319.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 164.05 319.10 Td (are ) Tj ET Q q 0 0 0 rg BT 178.17 319.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 224.51 319.10 Td (for ) Tj ET Q q 0 0 0 rg BT 238.07 319.10 Td (clearing ) Tj ET Q q 0 0 0 rg BT 272.19 319.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 309.65 319.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.33 319.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.46 319.10 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 369.25 319.10 Td (course ) Tj ET Q q 0 0 0 rg BT 397.25 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.49 319.10 Td (business ) Tj ET Q q 0 0 0 rg BT 443.29 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.64 319.10 Td (do ) Tj ET Q q 0 0 0 rg BT 471.55 319.10 Td (not ) Tj ET Q q 0 0 0 rg BT 486.24 319.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 524.79 319.10 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (cash.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (21. ) Tj ET Q q 0 0 0 rg BT 68.00 289.10 Td (Related Party ) Tj ET Q q 0 0 0 rg BT 129.46 289.10 Td (T) Tj ET Q q 0 0 0 rg BT 135.39 289.10 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 271.10 Td (In ) Tj ET Q q 0 0 0 rg BT 79.83 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.54 271.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 123.37 271.10 Td (course ) Tj ET Q q 0 0 0 rg BT 150.96 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.79 271.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 198.68 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.40 271.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 252.78 271.10 Td (may ) Tj ET Q q 0 0 0 rg BT 271.50 271.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 293.54 271.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 316.15 271.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.42 271.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 365.23 271.10 Td (of) Tj ET Q q 0 0 0 rg BT 373.38 271.10 Td (ficers, ) Tj ET Q q 0 0 0 rg BT 399.59 271.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 436.07 271.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.01 271.10 Td (members ) Tj ET Q q 0 0 0 rg BT 490.16 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.99 271.10 Td (their ) Tj ET Q q 0 0 0 rg BT 519.81 271.10 Td (immediate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (families, ) Tj ET Q q 0 0 0 rg BT 87.00 259.10 Td (as ) Tj ET Q q 0 0 0 rg BT 97.62 259.10 Td (defined, ) Tj ET Q q 0 0 0 rg BT 132.39 259.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.12 259.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.18 259.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 190.35 259.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.42 259.10 Td (which ) Tj ET Q q 0 0 0 rg BT 227.14 259.10 Td (these ) Tj ET Q q 0 0 0 rg BT 249.98 259.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 296.71 259.10 Td (have ) Tj ET Q q 0 0 0 rg BT 317.87 259.10 Td (more ) Tj ET Q q 0 0 0 rg BT 340.71 259.10 Td (than ) Tj ET Q q 0 0 0 rg BT 360.21 259.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.94 259.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.27 259.10 Td ( ) Tj ET Q q 0 0 0 rg BT 387.56 259.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 414.84 259.10 Td (ownership. ) Tj ET Q q 0 0 0 rg BT 461.29 259.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 483.57 259.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 506.97 259.10 Td (are ) Tj ET Q q 0 0 0 rg BT 521.46 259.10 Td (transacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.99 247.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 84.98 247.10 Td (including ) Tj ET Q q 0 0 0 rg BT 125.52 247.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 157.73 247.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 181.88 247.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 212.43 247.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.98 247.10 Td (those ) Tj ET Q q 0 0 0 rg BT 246.86 247.10 Td (available ) Tj ET Q q 0 0 0 rg BT 285.72 247.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.27 247.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 336.24 247.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 382.06 247.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 419.27 247.10 Td (in ) Tj ET Q q 0 0 0 rg BT 429.83 247.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 453.71 247.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 503.14 247.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.69 247.10 Td (such ) Tj ET Q q 0 0 0 rg BT 534.80 247.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 79.16 235.10 Td (during ) Tj ET Q q 0 0 0 rg BT 107.76 235.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 146.08 235.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.80 235.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 234.38 235.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.38 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.88 235.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.82 235.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.82 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 296.32 235.10 Td (were ) Tj ET Q q 0 0 0 rg BT 318.25 235.10 Td (as ) Tj ET Q q 0 0 0 rg BT 329.08 235.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 205.60000000000002 m 503.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 205.60000000000002 m 507.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 205.60000000000002 m 562.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 192.60000000000002 m 503.5 192.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 205.60000000000002 m 562.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 192.60000000000002 m 562.5 192.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 119.60000000000002 m 503.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 119.60000000000002 m 562.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 105.60000000000002 m 503.5 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 103.60000000000002 m 503.5 103.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 105.60000000000002 m 562.5 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 103.60000000000002 m 562.5 103.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 209.83 Td (December) Tj ET Q q 0 0 0 rg BT 516.32 209.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 196.83 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 196.83 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 480.65 183.83 Td (\(In thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 169.27 Td (Balance, beginning of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.50 169.17 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 169.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 169.27 Td (20,721) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 169.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 169.27 Td (22,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 154.27 Td (Additional loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.00 154.17 Td (..................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 154.27 Td (1,702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 154.27 Td (3,067) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 139.27 Td (Repayments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.50 139.17 Td (.........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 139.32 Td (\(9,417) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 139.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 139.32 Td (\(4,831) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 139.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 124.27 Td (Ef) Tj ET Q q 0 0 0 rg BT 62.26 124.27 Td (fect of changes in related parties) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.50 124.17 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 124.32 Td (\(4,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 124.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 124.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 109.27 Td (Balance, end of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 109.17 Td (.........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 109.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 109.27 Td (8,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 109.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 109.27 Td (20,721) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 87.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 101.80 87.10 Td (party ) Tj ET Q q 0 0 0 rg BT 123.61 87.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 157.65 87.10 Td (aggregated ) Tj ET Q q 0 0 0 rg BT 202.77 87.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.79 87.10 Td ($46.7 ) Tj ET Q q 0 0 0 rg BT 285.55 87.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.44 87.10 Td ( ) Tj ET Q q 0 0 0 rg BT 315.70 87.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.40 87.10 Td ($45.4 ) Tj ET Q q 0 0 0 rg BT 355.16 87.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.05 87.10 Td ( ) Tj ET Q q 0 0 0 rg BT 385.31 87.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.78 87.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 451.13 87.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.13 87.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.39 87.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.09 87.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.09 87.10 Td (, ) Tj ET Q q 0 0 0 rg BT 511.85 87.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.51 87.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 69.10 Td (During ) Tj ET Q q 0 0 0 rg BT 101.04 69.10 Td (theyears ) Tj ET Q q 0 0 0 rg BT 139.58 69.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.17 69.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 224.97 69.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.97 69.10 Td ( ) Tj ET Q q 0 0 0 rg BT 247.68 69.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.83 69.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.83 69.10 Td (, ) Tj ET Q q 0 0 0 rg BT 290.05 69.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.98 69.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 346.58 69.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 366.51 69.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.99 69.10 Td ($60 ) Tj ET Q q 0 0 0 rg BT 444.70 69.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.81 69.10 Td ( ) Tj ET Q q 0 0 0 rg BT 483.53 69.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.68 69.10 Td ($133 ) Tj ET Q q 0 0 0 rg BT 523.39 69.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 69.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 57.10 Td (, ) Tj ET Q q 0 0 0 rg BT 101.70 57.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.02 57.10 Td (related ) Tj ET Q q 0 0 0 rg BT 139.77 57.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 167.96 57.10 Td (for ) Tj ET Q q 0 0 0 rg BT 181.17 57.10 Td (services ) Tj ET Q q 0 0 0 rg BT 214.92 57.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 252.00 57.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.33 57.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.08 57.10 Td (Company) Tj ET Q q 0 0 0 rg BT 313.32 57.10 Td (. ) Tj ET Q q 0 0 0 rg BT 317.25 57.10 Td (The ) Tj ET Q q 0 0 0 rg BT 334.34 57.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 374.21 57.10 Td (were ) Tj ET Q q 0 0 0 rg BT 395.18 57.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 433.93 57.10 Td (for ) Tj ET Q q 0 0 0 rg BT 447.13 57.10 Td (consulting ) Tj ET Q q 0 0 0 rg BT 490.34 57.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.32 57.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 527.30 57.10 Td (services.) 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 (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (22. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Par) Tj ET Q q 0 0 0 rg BT 83.37 742.25 Td (ent Company Only Financial Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 724.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 110.78 724.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 150.44 724.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 180.94 724.25 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 200.98 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 218.98 724.25 Td (Parent ) Tj ET Q q 0 0 0 rg BT 246.98 724.25 Td (Company) Tj ET Q q 0 0 0 rg BT 285.22 724.25 Td (, ) Tj ET Q q 0 0 0 rg BT 290.17 724.25 Td (operates ) Tj ET Q q 0 0 0 rg BT 325.94 724.25 Td (its ) Tj ET Q q 0 0 0 rg BT 337.84 724.25 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 398.06 724.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 438.51 724.25 Td (, ) Tj ET Q q 0 0 0 rg BT 443.47 724.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 484.24 724.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 510.12 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 528.12 724.25 Td (earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 59.96 712.25 Td (this ) Tj ET Q q 0 0 0 rg BT 76.03 712.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 118.77 712.25 Td (are ) Tj ET Q q 0 0 0 rg BT 132.60 712.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 178.09 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 189.72 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 203.56 712.25 Td (Parent ) Tj ET Q q 0 0 0 rg BT 230.74 712.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 271.25 712.25 Td (using ) Tj ET Q q 0 0 0 rg BT 294.55 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 308.40 712.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 335.02 712.25 Td (method ) Tj ET Q q 0 0 0 rg BT 366.64 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 376.60 712.25 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 424.24 712.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 473.57 712.25 Td (, ) Tj ET Q q 0 0 0 rg BT 477.70 712.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 513.21 712.25 Td (are ) Tj ET Q q 0 0 0 rg BT 527.04 712.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 700.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 99.98 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 110.25 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.97 700.25 Td (Parent ) Tj ET Q q 0 0 0 rg BT 153.02 700.25 Td (Company) Tj ET Q q 0 0 0 rg BT 194.68 700.25 Td (s ) Tj ET Q q 0 0 0 rg BT 201.07 700.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 247.46 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 257.73 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 272.45 700.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 316.06 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 333.00 700.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 374.38 700.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 394.10 700.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 423.25 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.96 700.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 484.35 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 494.62 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 509.34 700.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 549.80 700.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 682.25 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 114.94 682.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 152.42 682.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 197.13 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.96 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 222.68 682.25 Td (Parent ) Tj ET Q q 0 0 0 rg BT 250.72 682.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 292.11 682.25 Td (only ) Tj ET Q q 0 0 0 rg BT 312.39 682.25 Td (are ) Tj ET Q q 0 0 0 rg BT 327.10 682.25 Td (as ) Tj ET Q q 0 0 0 rg BT 337.93 682.25 Td (follows:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 208.20 664.25 Td (Condensed Statements of Financial Condition) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 634.75 m 503.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 634.75 m 507.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 634.75 m 562.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 634.75 m 503.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 621.75 m 503.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 634.75 m 507.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 634.75 m 562.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 621.75 m 562.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 518.75 m 503.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 518.75 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 448.5 504.75 m 503.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 502.75 m 503.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 504.75 m 562.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 502.75 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 448.5 443.75 m 503.5 443.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 443.75 m 562.5 443.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 429.75 m 503.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 427.75 m 503.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 429.75 m 562.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 427.75 m 562.5 427.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.50 638.98 Td (At December) Tj ET Q q 0 0 0 rg BT 521.51 638.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 625.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 625.98 Td (2017) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 466.50 612.98 Td (\(Dollars in Thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 598.42 Td (ASSETS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 583.42 Td (Cash and due from banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.50 583.32 Td (.................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 583.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 583.42 Td (6,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 583.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 583.42 Td (2,494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 568.42 Td (Investment in subsidiary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 568.32 Td (...................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 568.42 Td (192,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 568.42 Td (178,778) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 553.42 Td (Premises and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.00 553.32 Td (............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 553.42 Td (1) Tj ET Q q 0 0 0 rg BT 494.65 553.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 553.42 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 538.42 Td (Deferred income taxes, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.50 538.32 Td (...............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 538.42 Td (129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 538.42 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 523.42 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 523.32 Td (......................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 523.42 Td (2,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 523.42 Td (9,068) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 508.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 508.42 Td (otal assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.50 508.32 Td (.......................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 508.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 508.42 Td (202,335) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 508.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 508.42 Td (190,410) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 493.42 Td (LIABILITIES ) Tj ET Q q 0 0 0 rg BT 112.16 493.42 Td (AND SHAREHOLDERS) Tj ET Q q 0 0 0 rg BT 217.80 493.42 Td ( EQUITY) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 478.42 Td (Subordinated debentures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.00 478.32 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 478.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 478.42 Td (25,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 478.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 478.42 Td (25,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 463.42 Td (Accrued expenses and other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.50 463.32 Td (.............................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 463.42 Td (2,984) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 463.42 Td (4,280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 448.42 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 114.17 448.42 Td ( equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.50 448.32 Td (.........................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 448.42 Td (174,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 448.42 Td (161,027) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 433.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 433.42 Td (otal liabilities and shareholders) Tj ET Q q 0 0 0 rg BT 191.69 433.42 Td ( equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.00 433.32 Td (..........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 433.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 433.42 Td (202,335) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 433.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 433.42 Td (190,410) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.00 411.25 Td (Condensed Statements of Income) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 381.75 m 444.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 381.75 m 448.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 381.75 m 503.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 381.75 m 507.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 381.75 m 562.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 381.75 m 444.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 368.75 m 444.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 381.75 m 448.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 381.75 m 503.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 368.75 m 503.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 381.75 m 507.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 381.75 m 562.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 368.75 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 389.5 325.75 m 444.5 325.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 325.75 m 503.5 325.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 325.75 m 562.5 325.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 295.75 m 444.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 295.75 m 503.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 295.75 m 562.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 265.75 m 444.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 265.75 m 503.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 265.75 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 389.5 251.75 m 444.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 249.75 m 444.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 251.75 m 503.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 249.75 m 503.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 251.75 m 562.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 249.75 m 562.5 249.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.20 385.98 Td (Y) Tj ET Q q 0 0 0 rg BT 436.53 385.98 Td (ear) Tj ET Q q 0 0 0 rg BT 447.12 385.98 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 507.85 385.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 372.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 372.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 372.98 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 437.00 359.98 Td (\(Dollars in Thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 345.42 Td (Interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.00 345.32 Td (............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 345.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 345.42 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 345.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 345.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 345.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 345.42 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 330.42 Td (Dividend income from subsidiary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.50 330.32 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 330.42 Td (4,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 330.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 330.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 315.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 315.42 Td (otal income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.00 315.32 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 315.42 Td (4,015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 315.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 315.42 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 300.42 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 300.32 Td (......................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 300.42 Td (3,444) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 300.42 Td (2,295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 300.42 Td (3,444) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 285.42 Td (Income \(loss\) before equity in undistributed earnings of subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.00 285.32 Td (........................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 285.42 Td (571) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 285.47 Td (\(2,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 285.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 285.47 Td (\(3,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 285.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 270.42 Td (Equity in undistributed earnings of subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.50 270.32 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 270.42 Td (16,862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 270.42 Td (16,1) Tj ET Q q 0 0 0 rg BT 489.65 270.42 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 270.42 Td (15,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 255.42 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 255.32 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 255.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 255.42 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 255.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 255.42 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 255.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 255.42 Td (12,350) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 227 0 obj <> endobj 228 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 /F2 10.00 Tf ET q 0 0 0 rg BT 226.25 742.25 Td (Condensed Statements of Cash Flows) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 712.75 m 444.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 712.75 m 448.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 712.75 m 503.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 712.75 m 507.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 712.75 m 562.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 712.75 m 444.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 699.75 m 444.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 712.75 m 448.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 712.75 m 503.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 699.75 m 503.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 712.75 m 507.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 712.75 m 562.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 699.75 m 562.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 552.75 m 444.5 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 552.75 m 503.5 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 552.75 m 562.5 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 537.75 m 444.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 537.75 m 503.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 537.75 m 562.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 508.75 m 444.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 508.75 m 503.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 508.75 m 562.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 493.75 m 444.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 493.75 m 503.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 493.75 m 562.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 419.75 m 444.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 419.75 m 503.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 419.75 m 562.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 404.75 m 444.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 404.75 m 503.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 404.75 m 562.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 359.75 m 444.5 359.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 359.75 m 503.5 359.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 359.75 m 562.5 359.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 345.75 m 444.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 343.75 m 444.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 345.75 m 503.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 343.75 m 503.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 345.75 m 562.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 343.75 m 562.5 343.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 416.25 716.98 Td (For) Tj ET Q q 0 0 0 rg BT 428.62 716.98 Td ( the ) Tj ET Q q 0 0 0 rg BT 443.06 716.98 Td (Y) Tj ET Q q 0 0 0 rg BT 448.24 716.98 Td (ears Ended December) Tj ET Q q 0 0 0 rg BT 522.82 716.98 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.50 703.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.50 703.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.50 703.98 Td (2016) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 437.00 690.98 Td (\(Dollars in Thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 677.43 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 109.57 677.43 Td (om operating activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 662.42 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.00 662.32 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 662.42 Td (17,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 662.42 Td (13,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 662.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 662.42 Td (12,350) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 647.42 Td (Adjustments to reconcile net income to net cash used by operating activities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 632.42 Td (Equity in undistributed earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.50 632.32 Td (...............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 632.47 Td (\(16,862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 632.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.80 632.47 Td (\(16,1) Tj ET Q q 0 0 0 rg BT 489.63 632.47 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 632.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 632.47 Td (\(15,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 632.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 617.42 Td (Decrease \(increase\) in other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.50 617.32 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 617.42 Td (6,131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 617.47 Td (\(5,179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 617.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 617.47 Td (\(1,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 617.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 602.42 Td (\(Increase\) decrease in deferred income taxes, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.00 602.32 Td (....................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 602.47 Td (\(76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 602.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 602.42 Td (3,010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 602.42 Td (2,385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 587.42 Td (\(Decrease\) increase in other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.00 587.32 Td (......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 587.47 Td (\(1,296) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 587.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 587.42 Td (380) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 587.42 Td (1,620) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 572.42 Td (Stock-based compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.00 572.32 Td (........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 572.42 Td (1,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 572.42 Td (917) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 572.42 Td (1,188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 557.42 Td (Amortization of debt issuance costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.50 557.32 Td (.........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 557.42 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 557.42 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 557.42 Td (51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 542.43 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 119.79 542.43 Td (ovided by \(used in\) operating activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.00 542.32 Td (........................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 542.42 Td (6,672) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 542.47 Td (\(3,102) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 542.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 542.47 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 542.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 528.43 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 109.57 528.43 Td (om investing activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 513.42 Td (Decrease in premises and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 513.32 Td (.................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 513.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 513.42 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 513.42 Td (65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 498.43 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 119.79 498.43 Td (ovided by investing activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.50 498.32 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 498.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 498.42 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 498.42 Td (65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 484.43 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 109.48 484.43 Td (om financing activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 469.42 Td (Proceeds from exercise of options & warrants) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.50 469.32 Td (.........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 469.42 Td (936) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 469.42 Td (2,031) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 469.42 Td (1,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 454.42 Td (Dividends paid on common stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.50 454.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 454.47 Td (\(3,759) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 454.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 454.47 Td (\(2,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 454.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 454.47 Td (\(1,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 454.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 439.42 Td (Proceeds from issuance of common stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.00 439.32 Td (................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 439.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 439.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 439.42 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 424.42 Td (Net tax benefit related to stock-based compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.50 424.32 Td (...............................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 424.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 424.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 424.42 Td (280) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 409.43 Td (Net cash used in financing activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 409.32 Td (.................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 409.47 Td (\(2,823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 409.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.30 409.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 489.63 409.47 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 409.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 409.47 Td (\(75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 409.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 394.43 Td (Net incr) Tj ET Q q 0 0 0 rg BT 105.53 394.43 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 147.82 394.43 Td (ease\) in cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.50 394.32 Td (.....................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 394.42 Td (3,855) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 394.47 Td (\(3,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 394.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 394.47 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 394.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 379.42 Td (Cash and cash equivalents:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 364.42 Td (Beginning of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.50 364.32 Td (.....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 364.42 Td (2,494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 364.42 Td (5,677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 364.42 Td (5,692) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 349.42 Td (End of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.00 349.32 Td (................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 349.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 349.42 Td (6,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 349.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 349.42 Td (2,494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 349.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 349.42 Td (5,677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 334.42 Td (Supplemental disclosures of cash flows information:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 319.42 Td (Cash paid for:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 304.42 Td (Interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 304.32 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 304.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 304.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 304.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 289.42 Td (Income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 289.32 Td (........................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 289.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 289.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 289.42 Td () Tj ET Q BT /F1 10.00 Tf ET endstream endobj 229 0 obj <> endobj 230 0 obj <> stream BT /F1 10.00 Tf ET 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 50.00 742.25 Td (23) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.00 742.25 Td (. ) Tj ET Q q 0 0 0 rg BT 68.00 742.25 Td (Quarterly Financial Information of Bankwell Financial Gr) Tj ET Q q 0 0 0 rg BT 318.37 742.25 Td (oup, Inc. \(Unaudited\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 127.43 724.25 Td (tables ) Tj ET Q q 0 0 0 rg BT 153.26 724.25 Td (present ) Tj ET Q q 0 0 0 rg BT 184.64 724.25 Td (selected ) Tj ET Q q 0 0 0 rg BT 219.34 724.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 257.93 724.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 295.41 724.25 Td (information ) Tj ET Q q 0 0 0 rg BT 345.12 724.25 Td (\(unaudited\):) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 694.75 m 385.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 694.75 m 389.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 694.75 m 444.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 694.75 m 448.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 694.75 m 503.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 694.75 m 507.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 694.75 m 562.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 681.75 m 385.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 681.75 m 444.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 681.75 m 503.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 681.75 m 562.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 681.75 m 385.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 681.75 m 444.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 681.75 m 503.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 681.75 m 562.5 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 636.75 m 385.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 636.75 m 444.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 636.75 m 503.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 636.75 m 562.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 576.75 m 385.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 576.75 m 444.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 576.75 m 503.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 576.75 m 562.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 546.75 m 385.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 532.75 m 385.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 530.75 m 385.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 546.75 m 444.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 532.75 m 444.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 530.75 m 444.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 546.75 m 503.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 532.75 m 503.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 530.75 m 503.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 546.75 m 562.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 532.75 m 562.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 530.75 m 562.5 530.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.00 698.98 Td (2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.00 685.98 Td (4th Quarter) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 395.55 685.98 Td (3rd Quarter) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.10 685.98 Td (2nd Quarter) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.65 685.98 Td (1st Quarter) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 363.40 670.98 Td (\(Dollars in Thousands, except per share amounts\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 656.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 656.42 Td (otal interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 656.32 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 656.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 656.42 Td (21,543) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 656.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 656.42 Td (20,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 656.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 656.42 Td (19,414) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 656.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 656.42 Td (18,607) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 641.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 641.42 Td (otal interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.00 641.32 Td (..........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 641.42 Td (7,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 641.42 Td (6,254) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 641.42 Td (5,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 641.42 Td (4,902) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 626.42 Td (Net interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 626.32 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 626.42 Td (14,467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 626.42 Td (14,246) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 626.42 Td (13,908) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 626.42 Td (13,705) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 611.42 Td (Provision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.00 611.32 Td (......................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 611.42 Td (2,795) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 611.42 Td (322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 611.42 Td (310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 611.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 596.42 Td (Noninterest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.00 596.32 Td (..............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 596.42 Td (601) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 596.42 Td (859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 596.42 Td (1,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 596.42 Td (1,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 581.42 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 581.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 581.42 Td (8,796) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 581.42 Td (8,870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 581.42 Td (8,764) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 581.42 Td (9,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 566.42 Td (Income before income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.50 566.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 566.42 Td (3,477) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 566.42 Td (5,913) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 566.42 Td (5,941) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 566.42 Td (5,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 551.42 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 551.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 551.42 Td (216) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 551.42 Td (1,056) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 551.42 Td (1,226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 551.42 Td (1,222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 536.42 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 536.32 Td (...........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 536.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 536.42 Td (3,261) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 536.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 536.42 Td (4,857) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 536.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 536.42 Td (4,715) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 536.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 536.42 Td (4,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 521.42 Td (Earnings per common share:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 506.42 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 506.32 Td (....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 506.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.15 506.42 Td (0.42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 506.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 506.42 Td (0.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 506.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 506.42 Td (0.60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 506.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 506.42 Td (0.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 491.42 Td (Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.50 491.32 Td (.................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 491.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.15 491.42 Td (0.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 491.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 491.42 Td (0.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 491.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 491.42 Td (0.60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 491.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 491.42 Td (0.59) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 457.75 m 385.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 457.75 m 389.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 457.75 m 444.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 457.75 m 448.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 457.75 m 503.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 457.75 m 507.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 457.75 m 562.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 444.75 m 385.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 444.75 m 444.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 444.75 m 503.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 444.75 m 562.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 444.75 m 385.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 444.75 m 444.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 444.75 m 503.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 444.75 m 562.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 399.75 m 385.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 399.75 m 444.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 399.75 m 503.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 399.75 m 562.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 338.75 m 385.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 338.75 m 444.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 338.75 m 503.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 338.75 m 562.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 308.75 m 385.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 294.75 m 385.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 292.75 m 385.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 308.75 m 444.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 294.75 m 444.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 292.75 m 444.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 308.75 m 503.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 294.75 m 503.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 292.75 m 503.5 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 308.75 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 507.5 294.75 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 507.5 292.75 m 562.5 292.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.00 461.98 Td (2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.00 448.98 Td (4th Quarter) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 395.55 448.98 Td (3rd Quarter) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.10 448.98 Td (2nd Quarter) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.65 448.98 Td (1st Quarter) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 363.40 433.98 Td (\(Dollars in Thousands, except per share amounts\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 419.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 419.42 Td (otal interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 419.32 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 419.42 Td (18,729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 419.42 Td (18,348) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 419.42 Td (17,688) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 419.42 Td (16,436) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 404.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 404.42 Td (otal interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.00 404.32 Td (..........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 404.42 Td (4,815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 404.42 Td (4,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 404.42 Td (4,047) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 404.42 Td (3,488) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 389.42 Td (Net interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.50 389.32 Td (...........................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 389.42 Td (13,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 389.42 Td (13,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 389.42 Td (13,641) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 389.42 Td (12,948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 373.42 Td (\(Credit\) Provision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.00 373.32 Td (........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.30 373.47 Td (\(495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.65 373.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 373.42 Td (398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 373.42 Td (895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 373.42 Td (543) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 358.42 Td (Noninterest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.00 358.32 Td (..............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 358.42 Td (1,541) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 358.42 Td (824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 358.42 Td (998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 358.42 Td (1,266) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 343.42 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 343.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 343.42 Td (8,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 343.42 Td (8,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 343.42 Td (7,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 343.42 Td (8,234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 328.42 Td (Income before income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.50 328.32 Td (...................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 328.42 Td (7,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 328.42 Td (6,158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 328.42 Td (6,163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 328.42 Td (5,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 313.42 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 313.32 Td (.............................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 313.42 Td (5,275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 313.42 Td (1,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 313.42 Td (2,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 313.42 Td (1,735) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 298.42 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 298.32 Td (...........................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 298.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 298.42 Td (2,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 298.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 298.42 Td (4,263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 298.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 298.42 Td (3,769) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 298.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 298.42 Td (3,702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 283.42 Td (Earnings per common share:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 268.42 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 268.32 Td (....................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 268.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.15 268.42 Td (0.27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 268.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 268.42 Td (0.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 268.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 268.42 Td (0.49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 268.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 268.42 Td (0.49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 253.42 Td (Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.50 253.32 Td (.................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 253.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.15 253.42 Td (0.27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 253.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 253.42 Td (0.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 253.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 253.42 Td (0.49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 253.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 253.42 Td (0.48) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 231.25 Td (Note: ) Tj ET Q q 0 0 0 rg BT 94.72 231.25 Td (Due ) Tj ET Q q 0 0 0 rg BT 113.88 231.25 Td (to ) Tj ET Q q 0 0 0 rg BT 124.16 231.25 Td (rounding, ) Tj ET Q q 0 0 0 rg BT 165.26 231.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 203.86 231.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 240.23 231.25 Td (per ) Tj ET Q q 0 0 0 rg BT 255.50 231.25 Td (share ) Tj ET Q q 0 0 0 rg BT 279.10 231.25 Td (may ) Tj ET Q q 0 0 0 rg BT 298.82 231.25 Td (not ) Tj ET Q q 0 0 0 rg BT 314.10 231.25 Td (sum ) Tj ET Q q 0 0 0 rg BT 333.27 231.25 Td (to ) Tj ET Q q 0 0 0 rg BT 343.54 231.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 379.36 231.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 408.52 231.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 444.89 231.25 Td (per ) Tj ET Q q 0 0 0 rg BT 460.16 231.25 Td (share.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 213.25 Td (During ) Tj ET Q q 0 0 0 rg BT 100.29 213.25 Td (the ) Tj ET Q q 0 0 0 rg BT 114.47 213.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 140.87 213.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 171.15 213.25 Td (of ) Tj ET Q q 0 0 0 rg BT 181.44 213.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 205.90 213.25 Td (the ) Tj ET Q q 0 0 0 rg BT 220.08 213.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 260.93 213.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 306.75 213.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 213.25 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 332.62 213.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.51 213.25 Td ( ) Tj ET Q q 0 0 0 rg BT 363.47 213.25 Td (char) Tj ET Q q 0 0 0 rg BT 380.50 213.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 401.41 213.25 Td (f ) Tj ET Q q 0 0 0 rg BT 406.71 213.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 454.21 213.25 Td (to ) Tj ET Q q 0 0 0 rg BT 463.95 213.25 Td (one ) Tj ET Q q 0 0 0 rg BT 480.35 213.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 512.30 213.25 Td (relationship.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 195.25 Td (During ) Tj ET Q q 0 0 0 rg BT 100.70 195.25 Td (the ) Tj ET Q q 0 0 0 rg BT 115.29 195.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 142.10 195.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 172.79 195.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.49 195.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 208.36 195.25 Td (the ) Tj ET Q q 0 0 0 rg BT 222.95 195.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 264.21 195.25 Td (had ) Tj ET Q q 0 0 0 rg BT 281.02 195.25 Td (changed ) Tj ET Q q 0 0 0 rg BT 316.71 195.25 Td (its ) Tj ET Q q 0 0 0 rg BT 328.53 195.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 383.67 195.25 Td (to ) Tj ET Q q 0 0 0 rg BT 393.83 195.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 429.52 195.25 Td (its ) Tj ET Q q 0 0 0 rg BT 441.34 195.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 484.24 195.25 Td (for ) Tj ET Q q 0 0 0 rg BT 498.27 195.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.86 195.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 546.46 195.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 183.25 Td (change ) Tj ET Q q 0 0 0 rg BT 80.41 183.25 Td (in ) Tj ET Q q 0 0 0 rg BT 90.29 183.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 145.16 183.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 178.92 183.25 Td (in ) Tj ET Q q 0 0 0 rg BT 188.79 183.25 Td (an ) Tj ET Q q 0 0 0 rg BT 200.33 183.25 Td (update ) Tj ET Q q 0 0 0 rg BT 229.08 183.25 Td (to ) Tj ET Q q 0 0 0 rg BT 238.96 183.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.28 183.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 298.70 183.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 318.02 183.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 335.68 183.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 389.72 183.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 445.69 183.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.01 183.25 Td (most ) Tj ET Q q 0 0 0 rg BT 481.56 183.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 508.08 183.25 Td (industry) Tj ET Q q 0 0 0 rg BT 540.21 183.25 Td (, ) Tj ET Q q 0 0 0 rg BT 544.81 183.25 Td (peer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 171.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.03 171.25 Td (product ) Tj ET Q q 0 0 0 rg BT 100.16 171.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 118.31 171.25 Td (trends. ) Tj ET Q q 0 0 0 rg BT 147.66 171.25 Td (This ) Tj ET Q q 0 0 0 rg BT 168.02 171.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 202.27 171.25 Td (in ) Tj ET Q q 0 0 0 rg BT 212.64 171.25 Td (a ) Tj ET Q q 0 0 0 rg BT 219.66 171.25 Td (non-recurring, ) Tj ET Q q 0 0 0 rg BT 279.73 171.25 Td (pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.30 171.25 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 327.39 171.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.28 171.25 Td ( ) Tj ET Q q 0 0 0 rg BT 358.87 171.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 399.23 171.25 Td (in ) Tj ET Q q 0 0 0 rg BT 409.59 171.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.40 171.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 467.52 171.25 Td (for ) Tj ET Q q 0 0 0 rg BT 481.77 171.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 501.58 171.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 519.73 171.25 Td (reserve. ) Tj ET Q q 0 0 0 rg BT 553.68 171.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 159.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 87.90 159.25 Td (On ) Tj ET Q q 0 0 0 rg BT 102.75 159.25 Td (December22, ) Tj ET Q q 0 0 0 rg BT 161.46 159.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 186.58 159.25 Td (the ) Tj ET Q q 0 0 0 rg BT 201.24 159.25 Td (T) Tj ET Q q 0 0 0 rg BT 206.65 159.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 218.71 159.25 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 239.68 159.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.74 159.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 276.57 159.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 293.63 159.25 Td (of ) Tj ET Q q 0 0 0 rg BT 304.59 159.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 327.22 159.25 Td (was ) Tj ET Q q 0 0 0 rg BT 345.39 159.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 374.13 159.25 Td (into ) Tj ET Q q 0 0 0 rg BT 392.31 159.25 Td (law) Tj ET Q q 0 0 0 rg BT 406.10 159.25 Td (. ) Tj ET Q q 0 0 0 rg BT 410.65 159.25 Td (As ) Tj ET Q q 0 0 0 rg BT 424.39 159.25 Td (a ) Tj ET Q q 0 0 0 rg BT 431.45 159.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 458.79 159.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.64 159.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 514.02 159.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 528.86 159.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 546.47 159.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 147.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 84.74 147.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.26 147.25 Td (35%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.59 147.25 Td ( ) Tj ET Q q 0 0 0 rg BT 128.68 147.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.55 147.25 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.88 147.25 Td (. ) Tj ET Q q 0 0 0 rg BT 163.47 147.25 Td (Companies ) Tj ET Q q 0 0 0 rg BT 211.56 147.25 Td (were ) Tj ET Q q 0 0 0 rg BT 234.08 147.25 Td (required ) Tj ET Q q 0 0 0 rg BT 270.48 147.25 Td (to ) Tj ET Q q 0 0 0 rg BT 281.35 147.25 Td (recognize ) Tj ET Q q 0 0 0 rg BT 323.30 147.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.61 147.25 Td (ef) Tj ET Q q 0 0 0 rg BT 346.20 147.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 364.27 147.25 Td (of ) Tj ET Q q 0 0 0 rg BT 375.69 147.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 391.00 147.25 Td (law ) Tj ET Q q 0 0 0 rg BT 408.53 147.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 443.82 147.25 Td (in ) Tj ET Q q 0 0 0 rg BT 454.69 147.25 Td (the ) Tj ET Q q 0 0 0 rg BT 470.00 147.25 Td (period ) Tj ET Q q 0 0 0 rg BT 498.63 147.25 Td (of ) Tj ET Q q 0 0 0 rg BT 510.05 147.25 Td (enactment ) Tj ET Q q 0 0 0 rg BT 554.23 147.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 135.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 97.83 135.25 Td (with ) Tj ET Q q 0 0 0 rg BT 118.48 135.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 144.60 135.25 Td (. ) Tj ET Q q 0 0 0 rg BT 149.34 135.25 Td (As ) Tj ET Q q 0 0 0 rg BT 163.33 135.25 Td (result ) Tj ET Q q 0 0 0 rg BT 188.42 135.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.62 135.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.71 135.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 229.80 135.25 Td (law ) Tj ET Q q 0 0 0 rg BT 247.11 135.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 282.19 135.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.28 135.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 339.04 135.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 385.77 135.25 Td (a ) Tj ET Q q 0 0 0 rg BT 393.08 135.25 Td (write-down ) Tj ET Q q 0 0 0 rg BT 442.05 135.25 Td (of ) Tj ET Q q 0 0 0 rg BT 453.26 135.25 Td (its ) Tj ET Q q 0 0 0 rg BT 465.58 135.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 501.76 135.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 516.84 135.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 539.16 135.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.81 135.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.50 123.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.33 123.25 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 113.33 123.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.22 123.25 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 (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (24. Subsequent Events) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 718.25 Td (The Company's Board of Directors declared a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.90 718.25 Td ($0.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 718.25 Td ( per share cash dividend, payable February 25, 2019 to shareholders of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (record on February 15, 2019, representing an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 706.25 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.33 706.25 Td ( increase when compared to last quarter's dividend.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (Item9. ) Tj ET Q q 0 0 0 rg BT 104.00 682.25 Td (Changes in and Disagr) Tj ET Q q 0 0 0 rg BT 200.79 682.25 Td (eements with ) Tj ET Q q 0 0 0 rg BT 258.56 682.25 Td (Accountants on ) Tj ET Q q 0 0 0 rg BT 326.90 682.25 Td (Accounting and Financial Disclosur) Tj ET Q q 0 0 0 rg BT 479.24 682.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 664.25 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Item9A. ) Tj ET Q q 0 0 0 rg BT 104.00 646.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 129.37 646.25 Td (ols and Pr) Tj ET Q q 0 0 0 rg BT 172.53 646.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 201.79 646.25 Td (es) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Disclosure Controls and Procedures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 610.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 97.41 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.05 610.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 160.57 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 177.43 610.25 Td (with ) Tj ET Q q 0 0 0 rg BT 197.63 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.27 610.25 Td (participation ) Tj ET Q q 0 0 0 rg BT 265.22 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.97 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.61 610.25 Td (Company) Tj ET Q q 0 0 0 rg BT 332.27 610.25 Td (s ) Tj ET Q q 0 0 0 rg BT 338.58 610.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 394.59 610.25 Td (including ) Tj ET Q q 0 0 0 rg BT 434.79 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 449.42 610.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 474.06 610.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 516.46 610.25 Td (Of) Tj ET Q q 0 0 0 rg BT 526.83 610.25 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 73.97 598.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 112.94 598.25 Td (Of) Tj ET Q q 0 0 0 rg BT 123.31 598.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 141.23 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 145.49 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.46 598.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 200.10 598.25 Td (has ) Tj ET Q q 0 0 0 rg BT 215.19 598.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 255.26 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.23 598.25 Td (ef) Tj ET Q q 0 0 0 rg BT 276.82 598.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 323.00 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.09 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 347.06 598.25 Td (design ) Tj ET Q q 0 0 0 rg BT 374.92 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.12 598.25 Td (operation ) Tj ET Q q 0 0 0 rg BT 430.64 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.73 598.25 Td (Bankwell) Tj ET Q q 0 0 0 rg BT 481.83 598.25 Td (s ) Tj ET Q q 0 0 0 rg BT 487.48 598.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 529.78 598.25 Td (controls ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.14 586.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 113.70 586.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 128.06 586.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 160.75 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 171.23 586.25 Td (Rule13a-15\(e\) ) Tj ET Q q 0 0 0 rg BT 234.18 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 251.32 586.25 Td (15d ) Tj ET Q q 0 0 0 rg BT 269.02 586.25 Td (under ) Tj ET Q q 0 0 0 rg BT 294.48 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.40 586.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 351.53 586.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 393.06 586.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 410.20 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 421.23 586.25 Td (1934, ) Tj ET Q q 0 0 0 rg BT 446.43 586.25 Td (as ) Tj ET Q q 0 0 0 rg BT 457.46 586.25 Td (amended\) ) Tj ET Q q 0 0 0 rg BT 499.58 586.25 Td (as ) Tj ET Q q 0 0 0 rg BT 510.61 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.64 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.55 586.25 Td (end ) Tj ET Q q 0 0 0 rg BT 553.69 586.25 Td (of ) 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 65.57 574.25 Td (period ) Tj ET Q q 0 0 0 rg BT 94.48 574.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 129.48 574.25 Td (by ) Tj ET Q q 0 0 0 rg BT 142.84 574.25 Td (this ) Tj ET Q q 0 0 0 rg BT 160.64 574.25 Td (report. ) Tj ET Q q 0 0 0 rg BT 190.38 574.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 218.17 574.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 241.53 574.25 Td (that ) Tj ET Q q 0 0 0 rg BT 259.88 574.25 Td (evaluation, ) Tj ET Q q 0 0 0 rg BT 307.39 574.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 364.33 574.25 Td (including ) Tj ET Q q 0 0 0 rg BT 405.46 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 421.04 574.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 446.61 574.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 489.95 574.25 Td (Of) Tj ET Q q 0 0 0 rg BT 500.32 574.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 521.99 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.79 574.25 Td (Chief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.24 562.25 Td (Of) Tj ET Q q 0 0 0 rg BT 99.62 562.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 117.53 562.25 Td (, ) Tj ET Q q 0 0 0 rg BT 122.06 562.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 165.19 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 182.22 562.25 Td (Bankwell) Tj ET Q q 0 0 0 rg BT 223.32 562.25 Td (s ) Tj ET Q q 0 0 0 rg BT 229.25 562.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 271.83 562.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 306.07 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 322.55 562.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 368.45 562.25 Td (were ) Tj ET Q q 0 0 0 rg BT 389.91 562.25 Td (ef) Tj ET Q q 0 0 0 rg BT 397.50 562.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 426.73 562.25 Td (as ) Tj ET Q q 0 0 0 rg BT 437.09 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 447.46 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.71 562.25 Td (end ) Tj ET Q q 0 0 0 rg BT 478.18 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 488.54 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 502.79 562.25 Td (period ) Tj ET Q q 0 0 0 rg BT 530.37 562.25 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 550.25 Td (this ) Tj ET Q q 0 0 0 rg BT 79.45 550.25 Td (report.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (Internal Control over Financial Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 514.25 Td (Bankwell) Tj ET Q q 0 0 0 rg BT 111.10 514.25 Td (s ) Tj ET Q q 0 0 0 rg BT 117.94 514.25 Td (management ) Tj ET Q q 0 0 0 rg BT 171.98 514.25 Td (has ) Tj ET Q q 0 0 0 rg BT 188.25 514.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 216.20 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 223.59 514.25 Td (report ) Tj ET Q q 0 0 0 rg BT 250.41 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 263.36 514.25 Td (its ) Tj ET Q q 0 0 0 rg BT 275.75 514.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 323.14 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 334.41 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.58 514.25 Td (ef) Tj ET Q q 0 0 0 rg BT 357.17 514.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 404.54 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 415.81 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.98 514.25 Td (Company) Tj ET Q q 0 0 0 rg BT 472.64 514.25 Td (s ) Tj ET Q q 0 0 0 rg BT 479.48 514.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 512.97 514.25 Td (control ) Tj ET Q q 0 0 0 rg BT 544.24 514.25 Td (over ) Tj ET Q BT /F1 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 87.19 502.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 126.06 502.25 Td (as ) Tj ET Q q 0 0 0 rg BT 136.61 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.15 502.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 205.45 502.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 229.68 502.25 Td (As ) Tj ET Q q 0 0 0 rg BT 243.00 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 253.55 502.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 311.85 502.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 336.56 502.25 Td (senior ) Tj ET Q q 0 0 0 rg BT 363.21 502.25 Td (management ) Tj ET Q q 0 0 0 rg BT 416.52 502.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 459.83 502.25 Td (that ) Tj ET Q q 0 0 0 rg BT 477.04 502.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 517.58 502.25 Td (maintained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 490.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.29 490.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 120.33 490.25 Td (control ) Tj ET Q q 0 0 0 rg BT 151.16 490.25 Td (over ) Tj ET Q q 0 0 0 rg BT 171.43 490.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 208.91 490.25 Td (reporting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.25 Td (During ) Tj ET Q q 0 0 0 rg BT 101.28 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.45 472.25 Td (year ) Tj ET Q q 0 0 0 rg BT 136.60 472.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 163.43 472.25 Td (December ) Tj ET Q q 0 0 0 rg BT 207.46 472.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 222.91 472.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 248.36 472.25 Td (management ) Tj ET Q q 0 0 0 rg BT 302.40 472.25 Td (identified ) Tj ET Q q 0 0 0 rg BT 343.67 472.25 Td (a ) Tj ET Q q 0 0 0 rg BT 351.05 472.25 Td (material ) Tj ET Q q 0 0 0 rg BT 386.76 472.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 428.03 472.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 465.98 472.25 Td (from ) Tj ET Q q 0 0 0 rg BT 488.36 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 503.53 472.25 Td (aggregation ) Tj ET Q q 0 0 0 rg BT 553.68 472.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (control ) Tj ET Q q 0 0 0 rg BT 81.05 460.25 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 131.53 460.25 Td (in ) Tj ET Q q 0 0 0 rg BT 142.03 460.25 Td (management) Tj ET Q q 0 0 0 rg BT 195.90 460.25 Td (s ) Tj ET Q q 0 0 0 rg BT 202.52 460.25 Td (review ) Tj ET Q q 0 0 0 rg BT 232.45 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 243.50 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.45 460.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 301.71 460.25 Td (for ) Tj ET Q q 0 0 0 rg BT 316.09 460.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 336.04 460.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 365.15 460.25 Td (including ) Tj ET Q q 0 0 0 rg BT 405.65 460.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 435.58 460.25 Td (process ) Tj ET Q q 0 0 0 rg BT 468.30 460.25 Td (level ) Tj ET Q q 0 0 0 rg BT 490.46 460.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 525.40 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 535.90 460.25 Td (ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.52 448.25 Td (completeness ) Tj ET Q q 0 0 0 rg BT 120.70 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 137.44 448.25 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 175.26 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.90 448.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 205.42 448.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 235.49 448.25 Td (used ) Tj ET Q q 0 0 0 rg BT 256.13 448.25 Td (in ) Tj ET Q q 0 0 0 rg BT 266.21 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.73 448.25 Td (classification ) Tj ET Q q 0 0 0 rg BT 335.79 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 346.42 448.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 369.84 448.25 Td (as ) Tj ET Q q 0 0 0 rg BT 380.47 448.25 Td (well ) Tj ET Q q 0 0 0 rg BT 399.99 448.25 Td (as ) Tj ET Q q 0 0 0 rg BT 410.62 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 425.14 448.25 Td (precision ) Tj ET Q q 0 0 0 rg BT 464.10 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.74 448.25 Td (management) Tj ET Q q 0 0 0 rg BT 528.60 448.25 Td (s ) Tj ET Q q 0 0 0 rg BT 534.80 448.25 Td (review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (over ) Tj ET Q q 0 0 0 rg BT 70.73 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 85.92 436.25 Td (calculation ) Tj ET Q q 0 0 0 rg BT 132.75 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 144.05 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.23 436.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 202.73 436.25 Td (for ) Tj ET Q q 0 0 0 rg BT 217.36 436.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 237.54 436.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 264.40 436.25 Td (balance. ) Tj ET Q q 0 0 0 rg BT 300.18 436.25 Td (This ) Tj ET Q q 0 0 0 rg BT 320.93 436.25 Td (material ) Tj ET Q q 0 0 0 rg BT 356.65 436.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 397.94 436.25 Td (did ) Tj ET Q q 0 0 0 rg BT 413.68 436.25 Td (not ) Tj ET Q q 0 0 0 rg BT 429.43 436.25 Td (result ) Tj ET Q q 0 0 0 rg BT 454.61 436.25 Td (in ) Tj ET Q q 0 0 0 rg BT 465.35 436.25 Td (any ) Tj ET Q q 0 0 0 rg BT 482.76 436.25 Td (misstatement ) Tj ET Q q 0 0 0 rg BT 538.49 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 436.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 424.25 Td (s ) Tj ET Q q 0 0 0 rg BT 98.06 424.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 151.10 424.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.58 424.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 233.29 424.25 Td (for ) Tj ET Q q 0 0 0 rg BT 247.45 424.25 Td (any ) Tj ET Q q 0 0 0 rg BT 264.39 424.25 Td (period ) Tj ET Q q 0 0 0 rg BT 292.44 424.25 Td (presented.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 406.25 Td (o ) Tj ET Q q 0 0 0 rg BT 82.44 406.25 Td (remediate ) Tj ET Q q 0 0 0 rg BT 123.89 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.13 406.25 Td (material ) Tj ET Q q 0 0 0 rg BT 172.92 406.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 213.27 406.25 Td (described ) Tj ET Q q 0 0 0 rg BT 253.61 406.25 Td (above, ) Tj ET Q q 0 0 0 rg BT 282.02 406.25 Td (we ) Tj ET Q q 0 0 0 rg BT 295.71 406.25 Td (hired ) Tj ET Q q 0 0 0 rg BT 318.28 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 324.75 406.25 Td (director ) Tj ET Q q 0 0 0 rg BT 357.87 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.23 406.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 400.80 406.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 422.83 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.63 406.25 Td (supplement ) Tj ET Q q 0 0 0 rg BT 480.77 406.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 513.34 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.80 406.25 Td (external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 90.33 394.25 Td (dedicated ) Tj ET Q q 0 0 0 rg BT 131.21 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 141.56 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 156.35 394.25 Td (documentation ) Tj ET Q q 0 0 0 rg BT 218.35 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.36 394.25 Td (testing ) Tj ET Q q 0 0 0 rg BT 264.59 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.49 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.28 394.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 337.43 394.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 370.54 394.25 Td (control ) Tj ET Q q 0 0 0 rg BT 401.44 394.25 Td (over ) Tj ET Q q 0 0 0 rg BT 421.78 394.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 459.33 394.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 498.56 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.57 394.25 Td (updated ) Tj ET Q q 0 0 0 rg BT 549.79 394.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (end-to-end ) Tj ET Q q 0 0 0 rg BT 95.57 382.25 Td (design ) Tj ET Q q 0 0 0 rg BT 123.93 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.52 382.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 167.32 382.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 201.79 382.25 Td (over ) Tj ET Q q 0 0 0 rg BT 221.81 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 236.28 382.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 279.07 382.25 Td (process ) Tj ET Q q 0 0 0 rg BT 311.31 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 321.35 382.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 349.70 382.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 379.71 382.25 Td (oversight ) Tj ET Q q 0 0 0 rg BT 419.18 382.25 Td (over ) Tj ET Q q 0 0 0 rg BT 439.21 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.68 382.25 Td (completeness ) Tj ET Q q 0 0 0 rg BT 509.80 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 526.50 382.25 Td (accuracy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.89 370.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 91.22 370.25 Td (used ) Tj ET Q q 0 0 0 rg BT 112.11 370.25 Td (as ) Tj ET Q q 0 0 0 rg BT 123.00 370.25 Td (well ) Tj ET Q q 0 0 0 rg BT 142.78 370.25 Td (as ) Tj ET Q q 0 0 0 rg BT 153.67 370.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 193.99 370.25 Td (precision ) Tj ET Q q 0 0 0 rg BT 233.20 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 243.54 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.32 370.25 Td (review ) Tj ET Q q 0 0 0 rg BT 288.09 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.98 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.76 370.25 Td (calculation ) Tj ET Q q 0 0 0 rg BT 360.19 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.08 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 385.85 370.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 428.95 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 443.17 370.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 462.95 370.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 491.90 370.25 Td (During ) Tj ET Q q 0 0 0 rg BT 522.79 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 537.57 370.25 Td (fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 80.65 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 91.31 358.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 115.30 358.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 140.14 358.25 Td (we ) Tj ET Q q 0 0 0 rg BT 154.13 358.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 205.34 358.25 Td (completed ) Tj ET Q q 0 0 0 rg BT 249.33 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.88 358.25 Td (testing ) Tj ET Q q 0 0 0 rg BT 292.88 358.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 334.08 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 344.19 358.25 Td (conclude ) Tj ET Q q 0 0 0 rg BT 382.62 358.25 Td (that ) Tj ET Q q 0 0 0 rg BT 399.95 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.50 358.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 449.05 358.25 Td (were ) Tj ET Q q 0 0 0 rg BT 470.81 358.25 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 526.46 358.25 Td (designed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 346.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 107.20 346.25 Td (ef) Tj ET Q q 0 0 0 rg BT 114.79 346.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 152.27 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 169.21 346.25 Td (have ) Tj ET Q q 0 0 0 rg BT 190.59 346.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 234.18 346.25 Td (that ) Tj ET Q q 0 0 0 rg BT 251.67 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 266.39 346.25 Td (material ) Tj ET Q q 0 0 0 rg BT 301.65 346.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 342.47 346.25 Td (has ) Tj ET Q q 0 0 0 rg BT 358.30 346.25 Td (been ) Tj ET Q q 0 0 0 rg BT 379.68 346.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 401.06 346.25 Td (remediated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 328.25 Td (Except ) Tj ET Q q 0 0 0 rg BT 99.85 328.25 Td (for ) Tj ET Q q 0 0 0 rg BT 113.59 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.89 328.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 162.18 328.25 Td (referenced ) Tj ET Q q 0 0 0 rg BT 206.44 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 216.30 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.60 328.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 252.12 328.25 Td (paragraph, ) Tj ET Q q 0 0 0 rg BT 296.68 328.25 Td (there ) Tj ET Q q 0 0 0 rg BT 318.75 328.25 Td (were ) Tj ET Q q 0 0 0 rg BT 340.26 328.25 Td (no ) Tj ET Q q 0 0 0 rg BT 352.34 328.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 386.63 328.25 Td (made ) Tj ET Q q 0 0 0 rg BT 410.37 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 420.23 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.53 328.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 481.19 328.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 513.82 328.25 Td (control ) Tj ET Q q 0 0 0 rg BT 544.23 328.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.75 316.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 125.18 316.25 Td (that ) Tj ET Q q 0 0 0 rg BT 141.94 316.25 Td (occurred ) Tj ET Q q 0 0 0 rg BT 178.69 316.25 Td (during ) Tj ET Q q 0 0 0 rg BT 206.56 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 220.55 316.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 243.98 316.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 274.06 316.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 299.71 316.25 Td (December ) Tj ET Q q 0 0 0 rg BT 342.56 316.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 356.83 316.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 378.60 316.25 Td (that ) Tj ET Q q 0 0 0 rg BT 395.37 316.25 Td (have ) Tj ET Q q 0 0 0 rg BT 416.02 316.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 458.32 316.25 Td (af) Tj ET Q q 0 0 0 rg BT 465.91 316.25 Td (fected, ) Tj ET Q q 0 0 0 rg BT 494.60 316.25 Td (or ) Tj ET Q q 0 0 0 rg BT 504.70 316.25 Td (are ) Tj ET Q q 0 0 0 rg BT 518.68 316.25 Td (reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 76.02 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 87.04 304.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 130.82 304.25 Td (af) Tj ET Q q 0 0 0 rg BT 138.41 304.25 Td (fect, ) Tj ET Q q 0 0 0 rg BT 159.14 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 174.60 304.25 Td (Company) Tj ET Q q 0 0 0 rg BT 216.26 304.25 Td (s ) Tj ET Q q 0 0 0 rg BT 223.40 304.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 257.18 304.25 Td (control ) Tj ET Q q 0 0 0 rg BT 288.75 304.25 Td (over ) Tj ET Q q 0 0 0 rg BT 309.76 304.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 347.99 304.25 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 390.15 304.25 Td (The ) Tj ET Q q 0 0 0 rg BT 408.94 304.25 Td (report ) Tj ET Q q 0 0 0 rg BT 436.06 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 447.64 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.10 304.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 510.92 304.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (follows.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (Management) Tj ET Q q 0 0 0 rg BT 109.06 274.25 Td (s Report on Internal Contr) Tj ET Q q 0 0 0 rg BT 223.87 274.25 Td (ol over) Tj ET Q q 0 0 0 rg BT 252.85 274.25 Td ( Financial Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 256.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.80 256.25 Td (management ) Tj ET Q q 0 0 0 rg BT 141.14 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.72 256.25 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 192.30 256.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 231.77 256.25 Td (Group ) Tj ET Q q 0 0 0 rg BT 259.57 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 276.26 256.25 Td (its ) Tj ET Q q 0 0 0 rg BT 287.96 256.25 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 339.10 256.25 Td (is ) Tj ET Q q 0 0 0 rg BT 348.02 256.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 395.82 256.25 Td (for ) Tj ET Q q 0 0 0 rg BT 409.73 256.25 Td (establishing ) Tj ET Q q 0 0 0 rg BT 459.76 256.25 Td (and ) Tj ET Q q 0 0 0 rg BT 476.45 256.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 526.47 256.25 Td (adequate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 83.26 244.25 Td (control ) Tj ET Q q 0 0 0 rg BT 114.30 244.25 Td (over ) Tj ET Q q 0 0 0 rg BT 134.78 244.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 172.48 244.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 211.85 244.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 226.23 244.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 258.93 244.25 Td (in ) Tj ET Q q 0 0 0 rg BT 269.43 244.25 Td (Rule ) Tj ET Q q 0 0 0 rg BT 291.03 244.25 Td (13a-15\(f\) ) Tj ET Q q 0 0 0 rg BT 331.50 244.25 Td (under ) Tj ET Q q 0 0 0 rg BT 356.99 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.92 244.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 414.07 244.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 455.61 244.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 472.77 244.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.81 244.25 Td (1934, ) Tj ET Q q 0 0 0 rg BT 509.03 244.25 Td (as ) Tj ET Q q 0 0 0 rg BT 520.08 244.25 Td (amended\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.56 232.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.23 232.25 Td (s ) Tj ET Q q 0 0 0 rg BT 115.13 232.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 147.69 232.25 Td (control ) Tj ET Q q 0 0 0 rg BT 178.02 232.25 Td (over ) Tj ET Q q 0 0 0 rg BT 197.81 232.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.80 232.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 273.47 232.25 Td (is ) Tj ET Q q 0 0 0 rg BT 282.15 232.25 Td (a ) Tj ET Q q 0 0 0 rg BT 288.60 232.25 Td (process ) Tj ET Q q 0 0 0 rg BT 320.61 232.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 358.17 232.25 Td (under ) Tj ET Q q 0 0 0 rg BT 382.95 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 397.18 232.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 445.30 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 455.64 232.25 Td (its ) Tj ET Q q 0 0 0 rg BT 467.10 232.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 491.33 232.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 533.33 232.25 Td (Of) Tj ET Q q 0 0 0 rg BT 543.70 232.25 Td (ficer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.77 220.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 91.32 220.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 130.86 220.25 Td (Of) Tj ET Q q 0 0 0 rg BT 141.23 220.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 161.88 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 171.98 220.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 204.86 220.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 249.95 220.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 291.14 220.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 331.79 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.34 220.25 Td (reliability ) Tj ET Q q 0 0 0 rg BT 387.55 220.25 Td (of ) Tj ET Q q 0 0 0 rg BT 398.21 220.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 435.52 220.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 474.50 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 491.27 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.82 220.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 553.68 220.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 208.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 132.19 208.25 Td (for ) Tj ET Q q 0 0 0 rg BT 146.35 208.25 Td (external ) Tj ET Q q 0 0 0 rg BT 181.05 208.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 219.11 208.25 Td (in ) Tj ET Q q 0 0 0 rg BT 229.38 208.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 276.85 208.25 Td (with ) Tj ET Q q 0 0 0 rg BT 297.12 208.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 336.83 208.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 374.30 208.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 420.67 208.25 Td (principles.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 190.25 Td (A) Tj ET Q q 0 0 0 rg BT 76.67 190.25 Td ( ) Tj ET Q q 0 0 0 rg BT 78.97 190.25 Td (material ) Tj ET Q q 0 0 0 rg BT 114.04 190.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 154.66 190.25 Td (is ) Tj ET Q q 0 0 0 rg BT 163.63 190.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 195.92 190.25 Td (as ) Tj ET Q q 0 0 0 rg BT 206.56 190.25 Td (a ) Tj ET Q q 0 0 0 rg BT 213.30 190.25 Td (deficiency) Tj ET Q q 0 0 0 rg BT 254.29 190.25 Td (, ) Tj ET Q q 0 0 0 rg BT 259.09 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 269.73 190.25 Td (a ) Tj ET Q q 0 0 0 rg BT 276.47 190.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 328.76 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 339.40 190.25 Td (deficiencies, ) Tj ET Q q 0 0 0 rg BT 391.95 190.25 Td (in ) Tj ET Q q 0 0 0 rg BT 402.03 190.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 434.88 190.25 Td (control ) Tj ET Q q 0 0 0 rg BT 465.51 190.25 Td (over ) Tj ET Q q 0 0 0 rg BT 485.58 190.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.86 190.25 Td (reporting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (such ) Tj ET Q q 0 0 0 rg BT 71.17 178.25 Td (that ) Tj ET Q q 0 0 0 rg BT 89.00 178.25 Td (there ) Tj ET Q q 0 0 0 rg BT 111.82 178.25 Td (is ) Tj ET Q q 0 0 0 rg BT 121.32 178.25 Td (a ) Tj ET Q q 0 0 0 rg BT 128.60 178.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 174.19 178.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 218.70 178.25 Td (that ) Tj ET Q q 0 0 0 rg BT 236.53 178.25 Td (a ) Tj ET Q q 0 0 0 rg BT 243.80 178.25 Td (material ) Tj ET Q q 0 0 0 rg BT 279.40 178.25 Td (misstatement ) Tj ET Q q 0 0 0 rg BT 335.00 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 346.17 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 361.22 178.25 Td (Company) Tj ET Q q 0 0 0 rg BT 402.89 178.25 Td (s ) Tj ET Q q 0 0 0 rg BT 409.62 178.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 439.11 178.25 Td (or ) Tj ET Q q 0 0 0 rg BT 450.27 178.25 Td (interim ) Tj ET Q q 0 0 0 rg BT 481.99 178.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 519.81 178.25 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (will ) Tj ET Q q 0 0 0 rg BT 68.06 166.25 Td (not ) Tj ET Q q 0 0 0 rg BT 83.33 166.25 Td (be ) Tj ET Q q 0 0 0 rg BT 95.27 166.25 Td (prevented ) Tj ET Q q 0 0 0 rg BT 137.20 166.25 Td (or ) Tj ET Q q 0 0 0 rg BT 148.03 166.25 Td (detected ) Tj ET Q q 0 0 0 rg BT 183.84 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 196.34 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 203.28 166.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 231.33 166.25 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 148.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 124.51 148.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 160.69 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.21 148.25 Td (ef) Tj ET Q q 0 0 0 rg BT 182.80 148.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 229.53 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 240.17 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.69 148.25 Td (Company) Tj ET Q q 0 0 0 rg BT 296.35 148.25 Td (s ) Tj ET Q q 0 0 0 rg BT 302.55 148.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 335.40 148.25 Td (control ) Tj ET Q q 0 0 0 rg BT 366.03 148.25 Td (over ) Tj ET Q q 0 0 0 rg BT 386.10 148.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 423.38 148.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 462.34 148.25 Td (as ) Tj ET Q q 0 0 0 rg BT 472.98 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.61 148.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.00 148.25 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (based ) Tj ET Q q 0 0 0 rg BT 77.90 136.25 Td (on ) Tj ET Q q 0 0 0 rg BT 93.04 136.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 126.48 136.25 Td (established ) Tj ET Q q 0 0 0 rg BT 176.05 136.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 188.97 136.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 226.32 136.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 249.29 136.25 Td (ol-Integrated ) Tj ET Q q 0 0 0 rg BT 307.19 136.25 Td (Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.85 136.25 Td ( ) Tj ET Q q 0 0 0 rg BT 358.98 136.25 Td (\(2013\) ) Tj ET Q q 0 0 0 rg BT 390.78 136.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 420.91 136.25 Td (by ) Tj ET Q q 0 0 0 rg BT 436.05 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.40 136.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 502.97 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 516.44 136.25 Td (Sponsoring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (Or) Tj ET Q q 0 0 0 rg BT 60.37 124.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 108.41 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.24 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.78 124.25 Td (T) Tj ET Q q 0 0 0 rg BT 139.54 124.25 Td (readway ) Tj ET Q q 0 0 0 rg BT 175.90 124.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 228.97 124.25 Td (\(COSO\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 106.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 96.67 106.25 Td (on ) Tj ET Q q 0 0 0 rg BT 108.91 106.25 Td (management) Tj ET Q q 0 0 0 rg BT 162.78 106.25 Td (s ) Tj ET Q q 0 0 0 rg BT 168.91 106.25 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 218.08 106.25 Td (management ) Tj ET Q q 0 0 0 rg BT 271.41 106.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 314.74 106.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 334.47 106.25 Td (as ) Tj ET Q q 0 0 0 rg BT 345.03 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 355.60 106.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 413.92 106.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 438.66 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.11 106.25 Td (Company) Tj ET Q q 0 0 0 rg BT 494.78 106.25 Td (s ) Tj ET Q q 0 0 0 rg BT 500.90 106.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 533.68 106.25 Td (control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (over ) Tj ET Q q 0 0 0 rg BT 70.62 94.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 108.44 94.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 147.94 94.25 Td (was ) Tj ET Q q 0 0 0 rg BT 166.34 94.25 Td (ef) Tj ET Q q 0 0 0 rg BT 173.93 94.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 203.98 94.25 Td (based ) Tj ET Q q 0 0 0 rg BT 229.59 94.25 Td (on ) Tj ET Q q 0 0 0 rg BT 242.44 94.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 273.60 94.25 Td (established ) Tj ET Q q 0 0 0 rg BT 320.88 94.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 331.50 94.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 366.57 94.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 389.54 94.25 Td (ol-Integrated ) Tj ET Q q 0 0 0 rg BT 445.15 94.25 Td (Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.81 94.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.65 94.25 Td (\(2013\) ) Tj ET Q q 0 0 0 rg BT 524.16 94.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 552.01 94.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (COSO.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 64.25 Td (In ) Tj ET Q q 0 0 0 rg BT 80.51 64.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 127.66 64.25 Td (with ) Tj ET Q q 0 0 0 rg BT 147.62 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 162.02 64.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 183.64 64.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.26 64.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 246.88 64.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.39 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.79 64.25 Td (SEC, ) Tj ET Q q 0 0 0 rg BT 294.81 64.25 Td (management) Tj ET Q q 0 0 0 rg BT 348.68 64.25 Td (s ) Tj ET Q q 0 0 0 rg BT 354.75 64.25 Td (report ) Tj ET Q q 0 0 0 rg BT 380.81 64.25 Td (on ) Tj ET Q q 0 0 0 rg BT 392.99 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.39 64.25 Td (design ) Tj ET Q q 0 0 0 rg BT 435.68 64.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.30 64.25 Td (ef) Tj ET Q q 0 0 0 rg BT 459.89 64.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 506.50 64.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.01 64.25 Td (Bankwell) Tj ET Q q 0 0 0 rg BT 558.12 64.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.25 Td (system ) Tj ET Q q 0 0 0 rg BT 81.70 52.25 Td (of ) Tj ET Q q 0 0 0 rg BT 93.94 52.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 128.40 52.25 Td (control ) Tj ET Q q 0 0 0 rg BT 160.65 52.25 Td (over ) Tj ET Q q 0 0 0 rg BT 182.33 52.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.23 52.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 261.81 52.25 Td (is ) Tj ET Q q 0 0 0 rg BT 272.39 52.25 Td (not ) Tj ET Q q 0 0 0 rg BT 289.09 52.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 321.33 52.25 Td (to ) Tj ET Q q 0 0 0 rg BT 333.03 52.25 Td (attestation ) Tj ET Q q 0 0 0 rg BT 378.05 52.25 Td (by ) Tj ET Q q 0 0 0 rg BT 391.96 52.25 Td (Bankwell) Tj ET Q q 0 0 0 rg BT 433.07 52.25 Td (s ) Tj ET Q q 0 0 0 rg BT 440.88 52.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 493.67 52.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 537.01 52.25 Td (public ) 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 (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 96.55 742.10 Td (firm. ) Tj ET Q q 0 0 0 rg BT 118.75 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 136.98 742.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 158.00 742.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 180.11 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.23 742.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 244.34 742.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 288.11 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.56 742.10 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 339.57 742.10 Td (only ) Tj ET Q q 0 0 0 rg BT 360.02 742.10 Td (require ) Tj ET Q q 0 0 0 rg BT 391.02 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.13 742.10 Td (report ) Tj ET Q q 0 0 0 rg BT 424.69 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 437.37 742.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 493.04 742.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 542.38 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 547.56 742.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 79.05 730.10 Td (report ) Tj ET Q q 0 0 0 rg BT 105.32 730.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 126.04 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 138.43 730.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 162.50 730.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 185.44 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 199.50 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.11 730.10 Td (year ) Tj ET Q q 0 0 0 rg BT 233.71 730.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 259.98 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 318.46 730.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 340.85 730.10 Td (does ) Tj ET Q q 0 0 0 rg BT 361.58 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 376.75 730.10 Td (include ) Tj ET Q q 0 0 0 rg BT 408.58 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 420.41 730.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 453.36 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 465.75 730.10 Td (Bankwell) Tj ET Q q 0 0 0 rg BT 506.86 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 513.14 730.10 Td (independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 91.92 718.10 Td (public ) Tj ET Q q 0 0 0 rg BT 119.42 718.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 165.79 718.10 Td (firm ) Tj ET Q q 0 0 0 rg BT 185.51 718.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 226.32 718.10 Td (management) Tj ET Q q 0 0 0 rg BT 280.19 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 286.58 718.10 Td (system ) Tj ET Q q 0 0 0 rg BT 316.86 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.69 718.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 360.73 718.10 Td (control ) Tj ET Q q 0 0 0 rg BT 391.56 718.10 Td (over ) Tj ET Q q 0 0 0 rg BT 411.83 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 449.31 718.10 Td (reporting.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (Item9b. ) Tj ET Q q 0 0 0 rg BT 104.00 700.10 Td (Other) Tj ET Q q 0 0 0 rg BT 129.37 700.10 Td ( Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 682.10 Td (None.) 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 (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.90 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 291.27 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 305.36 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 311.85 742.25 Td ( III) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (Item10. ) Tj ET Q q 0 0 0 rg BT 104.00 730.25 Td (Dir) Tj ET Q q 0 0 0 rg BT 118.26 730.25 Td (ectors, Executive Officers and Corporate Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.06 712.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.47 712.25 Td (responds ) Tj ET Q q 0 0 0 rg BT 164.53 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.83 712.25 Td (this ) Tj ET Q q 0 0 0 rg BT 189.79 712.25 Td (item ) Tj ET Q q 0 0 0 rg BT 209.08 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 220.60 712.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 275.99 712.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 302.49 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 314.00 712.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 352.70 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.44 712.25 Td (material ) Tj ET Q q 0 0 0 rg BT 400.71 712.25 Td (responsive ) Tj ET Q q 0 0 0 rg BT 445.00 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.29 712.25 Td (such ) Tj ET Q q 0 0 0 rg BT 474.14 712.25 Td (item ) Tj ET Q q 0 0 0 rg BT 493.43 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 502.72 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 712.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 712.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 90.90 700.25 Td (proxy ) Tj ET Q q 0 0 0 rg BT 116.81 700.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 157.72 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.96 700.25 Td (its ) Tj ET Q q 0 0 0 rg BT 183.99 700.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 206.00 700.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 238.02 700.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 273.93 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.84 700.25 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 342.14 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.50 700.25 Td (be ) Tj ET Q q 0 0 0 rg BT 364.52 700.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 385.43 700.25 Td (with ) Tj ET Q q 0 0 0 rg BT 405.79 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 700.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 473.74 700.25 Td (no ) Tj ET Q q 0 0 0 rg BT 486.32 700.25 Td (later ) Tj ET Q q 0 0 0 rg BT 506.66 700.25 Td (than ) Tj ET Q q 0 0 0 rg BT 525.89 700.25 Td (April30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (2019.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (Item1) Tj ET Q q 0 0 0 rg BT 76.94 670.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 104.00 670.25 Td (Executive Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 652.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.06 652.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.47 652.25 Td (responds ) Tj ET Q q 0 0 0 rg BT 164.53 652.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.83 652.25 Td (this ) Tj ET Q q 0 0 0 rg BT 189.79 652.25 Td (item ) Tj ET Q q 0 0 0 rg BT 209.08 652.25 Td (by ) Tj ET Q q 0 0 0 rg BT 220.60 652.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 275.99 652.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 302.49 652.25 Td (by ) Tj ET Q q 0 0 0 rg BT 314.00 652.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 352.70 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.44 652.25 Td (material ) Tj ET Q q 0 0 0 rg BT 400.71 652.25 Td (responsive ) Tj ET Q q 0 0 0 rg BT 445.00 652.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.29 652.25 Td (such ) Tj ET Q q 0 0 0 rg BT 474.14 652.25 Td (item ) Tj ET Q q 0 0 0 rg BT 493.43 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 502.72 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 652.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 652.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 90.90 640.25 Td (proxy ) Tj ET Q q 0 0 0 rg BT 116.81 640.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 157.72 640.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.96 640.25 Td (its ) Tj ET Q q 0 0 0 rg BT 183.99 640.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 206.00 640.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 238.02 640.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 273.93 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.84 640.25 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 342.14 640.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.50 640.25 Td (be ) Tj ET Q q 0 0 0 rg BT 364.52 640.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 385.43 640.25 Td (with ) Tj ET Q q 0 0 0 rg BT 405.79 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 640.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 473.74 640.25 Td (no ) Tj ET Q q 0 0 0 rg BT 486.32 640.25 Td (later ) Tj ET Q q 0 0 0 rg BT 506.66 640.25 Td (than ) Tj ET Q q 0 0 0 rg BT 525.89 640.25 Td (April30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (2019.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (Item12. ) Tj ET Q q 0 0 0 rg BT 104.00 610.25 Td (Security Ownership of Certain Beneficial Owners and Management and Related Stockholder) Tj ET Q q 0 0 0 rg BT 501.02 610.25 Td ( Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 592.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.06 592.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.47 592.25 Td (responds ) Tj ET Q q 0 0 0 rg BT 164.53 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.83 592.25 Td (this ) Tj ET Q q 0 0 0 rg BT 189.79 592.25 Td (item ) Tj ET Q q 0 0 0 rg BT 209.08 592.25 Td (by ) Tj ET Q q 0 0 0 rg BT 220.60 592.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 275.99 592.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 302.49 592.25 Td (by ) Tj ET Q q 0 0 0 rg BT 314.00 592.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 352.70 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.44 592.25 Td (material ) Tj ET Q q 0 0 0 rg BT 400.71 592.25 Td (responsive ) Tj ET Q q 0 0 0 rg BT 445.00 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.29 592.25 Td (such ) Tj ET Q q 0 0 0 rg BT 474.14 592.25 Td (item ) Tj ET Q q 0 0 0 rg BT 493.43 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 502.72 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 592.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 592.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 90.90 580.25 Td (proxy ) Tj ET Q q 0 0 0 rg BT 116.81 580.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 157.72 580.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.96 580.25 Td (its ) Tj ET Q q 0 0 0 rg BT 183.99 580.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 206.00 580.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 238.02 580.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 273.93 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.84 580.25 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 342.14 580.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.50 580.25 Td (be ) Tj ET Q q 0 0 0 rg BT 364.52 580.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 385.43 580.25 Td (with ) Tj ET Q q 0 0 0 rg BT 405.79 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 580.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 473.74 580.25 Td (no ) Tj ET Q q 0 0 0 rg BT 486.32 580.25 Td (later ) Tj ET Q q 0 0 0 rg BT 506.66 580.25 Td (than ) Tj ET Q q 0 0 0 rg BT 525.89 580.25 Td (April30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (2019.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Item13. ) Tj ET Q q 0 0 0 rg BT 104.00 550.25 Td (Certain Relationships and Related ) Tj ET Q q 0 0 0 rg BT 253.27 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 259.20 550.25 Td (ransactions, and Dir) Tj ET Q q 0 0 0 rg BT 345.97 550.25 Td (ector) Tj ET Q q 0 0 0 rg BT 367.44 550.25 Td ( Independence) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 532.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.06 532.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.47 532.25 Td (responds ) Tj ET Q q 0 0 0 rg BT 164.53 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.83 532.25 Td (this ) Tj ET Q q 0 0 0 rg BT 189.79 532.25 Td (item ) Tj ET Q q 0 0 0 rg BT 209.08 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 220.60 532.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 275.99 532.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 302.49 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 314.00 532.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 352.70 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.44 532.25 Td (material ) Tj ET Q q 0 0 0 rg BT 400.71 532.25 Td (responsive ) Tj ET Q q 0 0 0 rg BT 445.00 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.29 532.25 Td (such ) Tj ET Q q 0 0 0 rg BT 474.14 532.25 Td (item ) Tj ET Q q 0 0 0 rg BT 493.43 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 502.72 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 532.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 532.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 90.90 520.25 Td (proxy ) Tj ET Q q 0 0 0 rg BT 116.81 520.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 157.72 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.96 520.25 Td (its ) Tj ET Q q 0 0 0 rg BT 183.99 520.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 206.00 520.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 238.02 520.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 273.93 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.84 520.25 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 342.14 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.50 520.25 Td (be ) Tj ET Q q 0 0 0 rg BT 364.52 520.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 385.43 520.25 Td (with ) Tj ET Q q 0 0 0 rg BT 405.79 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 520.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 473.74 520.25 Td (no ) Tj ET Q q 0 0 0 rg BT 486.32 520.25 Td (later ) Tj ET Q q 0 0 0 rg BT 506.66 520.25 Td (than ) Tj ET Q q 0 0 0 rg BT 525.89 520.25 Td (April30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (2019.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (Item14. ) Tj ET Q q 0 0 0 rg BT 104.00 490.25 Td (Principal ) Tj ET Q q 0 0 0 rg BT 145.39 490.25 Td (Accountant Fees and Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 472.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.06 472.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.47 472.25 Td (responds ) Tj ET Q q 0 0 0 rg BT 164.53 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.83 472.25 Td (this ) Tj ET Q q 0 0 0 rg BT 189.79 472.25 Td (item ) Tj ET Q q 0 0 0 rg BT 209.08 472.25 Td (by ) Tj ET Q q 0 0 0 rg BT 220.60 472.25 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 275.99 472.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 302.49 472.25 Td (by ) Tj ET Q q 0 0 0 rg BT 314.00 472.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 352.70 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.44 472.25 Td (material ) Tj ET Q q 0 0 0 rg BT 400.71 472.25 Td (responsive ) Tj ET Q q 0 0 0 rg BT 445.00 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.29 472.25 Td (such ) Tj ET Q q 0 0 0 rg BT 474.14 472.25 Td (item ) Tj ET Q q 0 0 0 rg BT 493.43 472.25 Td (in ) Tj ET Q q 0 0 0 rg BT 502.72 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 472.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 472.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 90.90 460.25 Td (proxy ) Tj ET Q q 0 0 0 rg BT 116.81 460.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 157.72 460.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.96 460.25 Td (its ) Tj ET Q q 0 0 0 rg BT 183.99 460.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 206.00 460.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 238.02 460.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 273.93 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.84 460.25 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 342.14 460.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.50 460.25 Td (be ) Tj ET Q q 0 0 0 rg BT 364.52 460.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 385.43 460.25 Td (with ) Tj ET Q q 0 0 0 rg BT 405.79 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 460.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 473.74 460.25 Td (no ) Tj ET Q q 0 0 0 rg BT 486.32 460.25 Td (later ) Tj ET Q q 0 0 0 rg BT 506.66 460.25 Td (than ) Tj ET Q q 0 0 0 rg BT 525.89 460.25 Td (April30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (2019.) Tj ET Q 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 (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.30 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 291.67 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 305.76 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 312.25 742.25 Td ( IV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (Item15. ) Tj ET Q q 0 0 0 rg BT 104.00 730.25 Td (Exhibits, Financial Statement Schedules) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (\(A\)\(1\) FINANCIAL) Tj ET Q q 0 0 0 rg BT 131.56 706.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 144.93 706.25 Td (A) Tj ET Q q 0 0 0 rg BT 151.04 706.25 Td (TEMENTS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (The following consolidated financial statements of the Company are included in Item 8 of this report: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (Reports of Independent Registered Public ) Tj ET Q q 0 0 0 rg BT 219.13 670.25 Td (Accounting Firms) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Consolidated Balance Sheets - ) Tj ET Q q 0 0 0 rg BT 173.86 652.25 Td (As of December 31, 2018 and 2017 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.85 Td (Consolidated Statements of Income - For the years ended December 31, 2018, 2017 and 2016) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 424.91 631.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.85 Td (Consolidated Statements of Comprehensive Income - For the years ended December 31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.17 613.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.85 Td (Consolidated Statements of Shareholders' Equity - For the years ended December 31, 2018, 2017 and 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.85 Td (Consolidated Statements of Cash Flows - For the years ended December 31, 2018, 2017 and 2016 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.85 Td (Notes to Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.85 Td (\(A\)\(2\) FINANCIAL) Tj ET Q q 0 0 0 rg BT 131.56 541.85 Td ( ST) Tj ET Q q 0 0 0 rg BT 144.93 541.85 Td (A) Tj ET Q q 0 0 0 rg BT 151.04 541.85 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 191.41 541.85 Td ( SCHEDULES ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.85 Td (Certain ) Tj ET Q q 0 0 0 rg BT 81.77 524.85 Td (schedules ) Tj ET Q q 0 0 0 rg BT 122.98 524.85 Td (to ) Tj ET Q q 0 0 0 rg BT 133.09 524.85 Td (the ) Tj ET Q q 0 0 0 rg BT 147.64 524.85 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 200.52 524.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 237.83 524.85 Td (statements ) Tj ET Q q 0 0 0 rg BT 282.38 524.85 Td (have ) Tj ET Q q 0 0 0 rg BT 303.59 524.85 Td (been ) Tj ET Q q 0 0 0 rg BT 324.80 524.85 Td (omitted ) Tj ET Q q 0 0 0 rg BT 357.69 524.85 Td (if ) Tj ET Q q 0 0 0 rg BT 366.13 524.85 Td (they ) Tj ET Q q 0 0 0 rg BT 385.68 524.85 Td (were ) Tj ET Q q 0 0 0 rg BT 407.44 524.85 Td (not ) Tj ET Q q 0 0 0 rg BT 422.55 524.85 Td (required ) Tj ET Q q 0 0 0 rg BT 458.20 524.85 Td (by ) Tj ET Q q 0 0 0 rg BT 470.02 524.85 Td (Article ) Tj ET Q q 0 0 0 rg BT 500.12 524.85 Td (9 ) Tj ET Q q 0 0 0 rg BT 507.45 524.85 Td (of ) Tj ET Q q 0 0 0 rg BT 518.12 524.85 Td (Regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.85 Td (S-X ) Tj ET Q q 0 0 0 rg BT 68.61 512.85 Td (or ) Tj ET Q q 0 0 0 rg BT 79.44 512.85 Td (if, ) Tj ET Q q 0 0 0 rg BT 90.55 512.85 Td (under ) Tj ET Q q 0 0 0 rg BT 115.82 512.85 Td (the ) Tj ET Q q 0 0 0 rg BT 130.54 512.85 Td (related ) Tj ET Q q 0 0 0 rg BT 160.24 512.85 Td (instructions, ) Tj ET Q q 0 0 0 rg BT 211.90 512.85 Td (they ) Tj ET Q q 0 0 0 rg BT 231.62 512.85 Td (were ) Tj ET Q q 0 0 0 rg BT 253.55 512.85 Td (inapplicable, ) Tj ET Q q 0 0 0 rg BT 307.42 512.85 Td (or ) Tj ET Q q 0 0 0 rg BT 318.25 512.85 Td (the ) Tj ET Q q 0 0 0 rg BT 332.96 512.85 Td (information ) Tj ET Q q 0 0 0 rg BT 382.68 512.85 Td (was ) Tj ET Q q 0 0 0 rg BT 400.73 512.85 Td (contained ) Tj ET Q q 0 0 0 rg BT 442.10 512.85 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 484.58 512.85 Td (herein. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 495.85 Td (\(A\)\(3\) EXHIBITS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.85 Td (The ) Tj ET Q q 0 0 0 rg BT 67.87 478.85 Td (exhibits ) Tj ET Q q 0 0 0 rg BT 101.85 478.85 Td (listed ) Tj ET Q q 0 0 0 rg BT 125.84 478.85 Td (in ) Tj ET Q q 0 0 0 rg BT 135.94 478.85 Td (the ) Tj ET Q q 0 0 0 rg BT 150.48 478.85 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 182.24 478.85 Td (Index ) Tj ET Q q 0 0 0 rg BT 207.33 478.85 Td (in ) Tj ET Q q 0 0 0 rg BT 217.43 478.85 Td (this ) Tj ET Q q 0 0 0 rg BT 234.20 478.85 Td (Form ) Tj ET Q q 0 0 0 rg BT 258.19 478.85 Td (10-K ) Tj ET Q q 0 0 0 rg BT 281.06 478.85 Td (are ) Tj ET Q q 0 0 0 rg BT 295.59 478.85 Td (filed ) Tj ET Q q 0 0 0 rg BT 316.23 478.85 Td (herewith ) Tj ET Q q 0 0 0 rg BT 353.54 478.85 Td (or ) Tj ET Q q 0 0 0 rg BT 364.19 478.85 Td (are ) Tj ET Q q 0 0 0 rg BT 378.72 478.85 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 431.57 478.85 Td (herein ) Tj ET Q q 0 0 0 rg BT 458.88 478.85 Td (by ) Tj ET Q q 0 0 0 rg BT 471.20 478.85 Td (reference ) Tj ET Q q 0 0 0 rg BT 510.70 478.85 Td (to ) Tj ET Q q 0 0 0 rg BT 520.80 478.85 Td (other ) Tj ET Q q 0 0 0 rg BT 543.67 478.85 Td (SEC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.85 Td (filings. ) Tj ET Q 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 (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 276.65 742.25 Td (ExhibitIndex) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 718.75 m 115.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 718.75 m 561.5 718.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 722.98 Td (Number) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 134.00 722.98 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 708.42 Td (Exhibit3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 708.42 Td (Certificate of Incorporation as amended to date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.81 708.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 325.31 712.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 693.42 Td (Exhibit3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 693.42 Td (Amended and Restated Bylaws) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.25 693.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 261.75 697.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 678.42 Td (Exhibit10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 678.42 Td (Employment ) Tj ET Q q 0 0 0 rg BT 187.61 678.42 Td (Agreement of Christopher R. Gruseke dated December29, 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 445.31 682.95 Td ( \(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 663.42 Td (Exhibit10.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 663.42 Td (Employment ) Tj ET Q q 0 0 0 rg BT 187.61 663.42 Td (Agreement of Heidi S. DeW) Tj ET Q q 0 0 0 rg BT 301.14 663.42 Td (yngaert) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.12 663.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 333.62 667.95 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 648.42 Td (Exhibit10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 648.42 Td (2002 Bank Management, Director and Founder Stock Option Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.23 648.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 401.73 652.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 633.42 Td (Exhibit10.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 633.42 Td (2006 Bank of New Canaan Stock Option Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.14 633.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 320.64 637.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 618.42 Td (Exhibit10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 618.42 Td (2007 Bank of New Canaan Stock Option and Equity ) Tj ET Q q 0 0 0 rg BT 345.91 618.42 Td (A) Tj ET Q q 0 0 0 rg BT 352.22 618.42 Td (ward Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.49 618.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 394.99 622.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 603.42 Td (Exhibit10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 603.42 Td (201) Tj ET Q q 0 0 0 rg BT 148.63 603.42 Td (1 BNC Financial Group, Inc. Stock Option and Equity ) Tj ET Q q 0 0 0 rg BT 368.33 603.42 Td (A) Tj ET Q q 0 0 0 rg BT 374.63 603.42 Td (ward Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 603.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 417.40 607.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 588.42 Td (Exhibit10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 588.42 Td (2012 BNC Financial Group, Inc. Stock Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.65 588.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 313.15 592.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 573.42 Td (Exhibit10.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 573.42 Td (Amendment to the 2012 BNC Financial Group, Inc. Stock Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.58 573.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 390.08 577.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 558.42 Td (Exhibit10.1) Tj ET Q q 0 0 0 rg BT 101.26 558.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 558.42 Td (BNC Financial Group, Inc. and ) Tj ET Q q 0 0 0 rg BT 261.48 558.42 Td (Af) Tj ET Q q 0 0 0 rg BT 271.85 558.42 Td (filiates Deferred Compensation Plan for Directors, January23, 2008) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 545.11 562.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 543.42 Td (Exhibit10.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 543.42 Td (Employment ) Tj ET Q q 0 0 0 rg BT 187.61 543.42 Td (Agreement of David Dineen) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.18 543.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 303.68 547.95 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 528.42 Td (Exhibit10.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 528.42 Td (Employment ) Tj ET Q q 0 0 0 rg BT 187.61 528.42 Td (Agreement of Penko Ivanov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.63 528.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 303.13 532.95 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 513.42 Td (Exhibit10.16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 513.42 Td (Form of Director Indemnification ) Tj ET Q q 0 0 0 rg BT 270.63 513.42 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.05 513.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 317.55 517.95 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 498.42 Td (Exhibit10.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 498.42 Td (Form of Executive Of) Tj ET Q q 0 0 0 rg BT 221.85 498.42 Td (ficer Indemnification ) Tj ET Q q 0 0 0 rg BT 308.48 498.42 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.91 498.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 355.41 502.95 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 483.42 Td (Exhibit10.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 483.42 Td (Employment ) Tj ET Q q 0 0 0 rg BT 187.61 483.42 Td (Agreement of Christine Chivily) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.53 483.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 317.03 487.95 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 468.42 Td (Exhibit21.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 468.42 Td (Subsidiaries of the Registrant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.04 468.42 Td ( ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 254.54 472.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 453.42 Td (Exhibit23.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 453.42 Td (Consent of RSM US LLP) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 438.42 Td (Exhibit23.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 438.42 Td (Consent of ) Tj ET Q q 0 0 0 rg BT 179.93 438.42 Td (Whittlesey PC) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 423.42 Td (Exhibit31.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 423.42 Td (Certification of Christopher R. Gruseke Pursuant to Rule13a-14\(a\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 408.42 Td (Exhibit31.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 408.42 Td (Certification of Penko Ivanov pursuant to Rule13a-14\(a\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 393.42 Td (Exhibit32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 393.42 Td (Certification pursuant to Section906 of the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 375.61 393.42 Td (Act of 2002) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 379.32 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 378.42 Td (The following materials from Bankwell Financial Group, Inc.) Tj ET Q q 0 0 0 rg BT 383.66 378.42 Td (s ) Tj ET Q q 0 0 0 rg BT 389.50 378.42 Td (Annual Report on Form 10-K for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 368.42 Td (period ended December31, 2018, formatted in extensible Business Reporting Language \(XBRL\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 358.42 Td (\(i\)Consolidated Balance Sheets; \(ii\) Consolidated Statements of Income; \(iii\) Consolidated statements of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 348.42 Td (Comprehensive Income; \(iv\) Consolidated Statements of Shareholders) Tj ET Q q 0 0 0 rg BT 418.75 348.42 Td ( Equity; \(v\)Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.00 338.42 Td (Statements of Cash Flows; and \(vi\) Notes to Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 68.00 322.25 Td (Management contract or compensatory plan or arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 68.00 304.25 Td (Filed as part of the Registrant) Tj ET Q q 0 0 0 rg BT 189.36 304.25 Td (s Registration Statement on Form S-1 filed on ) Tj ET Q q 0 0 0 rg BT 375.46 304.25 Td (April4, 2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 68.00 286.25 Td (Filed ) Tj ET Q q 0 0 0 rg BT 91.06 286.25 Td (as ) Tj ET Q q 0 0 0 rg BT 101.89 286.25 Td (part ) Tj ET Q q 0 0 0 rg BT 119.93 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.76 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.48 286.25 Td (Registrant) Tj ET Q q 0 0 0 rg BT 189.36 286.25 Td (s ) Tj ET Q q 0 0 0 rg BT 195.20 286.25 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 247.14 286.25 Td (No. ) Tj ET Q q 0 0 0 rg BT 264.36 286.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 271.86 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 282.14 286.25 Td (Registration ) Tj ET Q q 0 0 0 rg BT 333.52 286.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 376.01 286.25 Td (on ) Tj ET Q q 0 0 0 rg BT 388.51 286.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 412.68 286.25 Td (S-1 ) Tj ET Q q 0 0 0 rg BT 429.07 286.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 449.89 286.25 Td (on ) Tj ET Q q 0 0 0 rg BT 462.39 286.25 Td (May5, ) Tj ET Q q 0 0 0 rg BT 493.22 286.25 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 68.00 268.25 Td (Filed as part of the Registrant) Tj ET Q q 0 0 0 rg BT 189.36 268.25 Td (s December31, 2016 Form 10-K) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 68.00 250.25 Td (Filed as part of the Registrant's June 30, 2018 Form 10-Q) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (Item16. ) Tj ET Q q 0 0 0 rg BT 104.00 232.25 Td (10-K Summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 214.25 Td (None.) 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 298.65 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 273.85 742.25 Td (SIGNA) Tj ET Q q 0 0 0 rg BT 304.78 742.25 Td (TURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 730.25 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 107.54 730.25 Td (to ) Tj ET Q q 0 0 0 rg BT 117.86 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.61 730.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 187.35 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.22 730.25 Td (Section13 ) Tj ET Q q 0 0 0 rg BT 243.26 730.25 Td (or ) Tj ET Q q 0 0 0 rg BT 254.13 730.25 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 278.33 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 289.19 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 303.95 730.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 345.92 730.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 387.33 730.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 404.30 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 415.17 730.25 Td (1934, ) Tj ET Q q 0 0 0 rg BT 440.21 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.97 730.25 Td (Registrant ) Tj ET Q q 0 0 0 rg BT 498.61 730.25 Td (has ) Tj ET Q q 0 0 0 rg BT 514.48 730.25 Td (duly ) Tj ET Q q 0 0 0 rg BT 534.80 730.25 Td (caused ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (this ) Tj ET Q q 0 0 0 rg BT 66.95 718.25 Td (report ) Tj ET Q q 0 0 0 rg BT 93.33 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 103.60 718.25 Td (be ) Tj ET Q q 0 0 0 rg BT 115.54 718.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 144.15 718.25 Td (on ) Tj ET Q q 0 0 0 rg BT 156.65 718.25 Td (its ) Tj ET Q q 0 0 0 rg BT 168.60 718.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 196.08 718.25 Td (by ) Tj ET Q q 0 0 0 rg BT 208.58 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.30 718.25 Td (undersigned, ) Tj ET Q q 0 0 0 rg BT 277.18 718.25 Td (thereunto ) Tj ET Q q 0 0 0 rg BT 317.44 718.25 Td (duly ) Tj ET Q q 0 0 0 rg BT 337.72 718.25 Td (authorized.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 678.75 m 562.5 678.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.00 698.48 Td (BANKWELL) Tj ET Q q 0 0 0 rg BT 396.35 698.48 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 454.97 698.48 Td ( GROUP) Tj ET Q q 0 0 0 rg BT 492.66 698.48 Td (, INC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.00 685.32 Td (By:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 685.27 Td (/s/ Christopher R. Gruseke) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 668.42 Td (Christopher R. Gruseke) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 658.42 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 493.22 658.42 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 642.25 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 108.09 642.25 Td (to ) Tj ET Q q 0 0 0 rg BT 118.95 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.25 642.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 189.54 642.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.96 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.26 642.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 258.78 642.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 300.61 642.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 318.13 642.25 Td (of ) Tj ET Q q 0 0 0 rg BT 329.55 642.25 Td (1934, ) Tj ET Q q 0 0 0 rg BT 355.13 642.25 Td (this ) Tj ET Q q 0 0 0 rg BT 372.67 642.25 Td (report ) Tj ET Q q 0 0 0 rg BT 399.63 642.25 Td (has ) Tj ET Q q 0 0 0 rg BT 416.05 642.25 Td (been ) Tj ET Q q 0 0 0 rg BT 438.01 642.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 467.20 642.25 Td (below ) Tj ET Q q 0 0 0 rg BT 494.73 642.25 Td (by ) Tj ET Q q 0 0 0 rg BT 507.81 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 642.25 Td (following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 630.25 Td (persons ) Tj ET Q q 0 0 0 rg BT 83.05 630.25 Td (on ) Tj ET Q q 0 0 0 rg BT 95.55 630.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 123.04 630.25 Td (of ) Tj ET Q q 0 0 0 rg BT 133.87 630.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.58 630.25 Td (registrant ) Tj ET Q q 0 0 0 rg BT 188.85 630.25 Td (and ) Tj ET Q q 0 0 0 rg BT 205.79 630.25 Td (in ) Tj ET Q q 0 0 0 rg BT 216.06 630.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.78 630.25 Td (capacities ) Tj ET Q q 0 0 0 rg BT 272.70 630.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.64 630.25 Td (on ) Tj ET Q q 0 0 0 rg BT 302.14 630.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.86 630.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 339.90 630.25 Td (indicated.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 590.75 m 294.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 539.75 m 294.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 488.75 m 294.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 447.75 m 294.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 406.75 m 294.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 365.75 m 294.5 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 324.75 m 294.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 283.75 m 294.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 243.75 m 294.5 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 202.75 m 294.5 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 152.75 m 294.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 102.75 m 294.5 102.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 610.98 Td (Signatur) Tj ET Q q 0 0 0 rg BT 82.64 610.98 Td (e & ) Tj ET Q q 0 0 0 rg BT 96.71 610.98 Td (T) Tj ET Q q 0 0 0 rg BT 101.90 610.98 Td (itle) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.00 610.98 Td (Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 595.42 Td (/s/ Christopher R. Gruseke) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.70 595.42 Td (March4, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 580.42 Td (Christopher R. Gruseke) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 570.42 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 187.22 570.42 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 560.42 Td (\(principal executive of) Tj ET Q q 0 0 0 rg BT 143.33 560.42 Td (ficer\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 544.42 Td (/s/ Penko Ivanov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.70 544.42 Td (March4, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 529.42 Td (Penko Ivanov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 519.42 Td (Executive ) Tj ET Q q 0 0 0 rg BT 95.30 519.42 Td (V) Tj ET Q q 0 0 0 rg BT 101.92 519.42 Td (ice President & Chief Financial Of) Tj ET Q q 0 0 0 rg BT 240.87 519.42 Td (ficer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 509.42 Td (\(principal financial and accounting of) Tj ET Q q 0 0 0 rg BT 203.31 509.42 Td (ficer\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 493.42 Td (/s/ Geor) Tj ET Q q 0 0 0 rg BT 84.85 493.42 Td (ge P) Tj ET Q q 0 0 0 rg BT 101.70 493.42 Td (. Bauer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.70 493.42 Td (March4, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 478.42 Td (Geor) Tj ET Q q 0 0 0 rg BT 72.81 478.42 Td (ge P) Tj ET Q q 0 0 0 rg BT 89.20 478.42 Td (. Bauer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 468.42 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 452.42 Td (/s/ Gail Brathwaite) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.70 452.42 Td (March4, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 437.42 Td (Gail Brathwaite) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 427.42 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 411.42 Td (/s/ Richard Castiglioni) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.70 411.42 Td (March4, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 396.42 Td (Richard Castiglioni) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 386.42 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 370.42 Td (/s/ Eric J. 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Porto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 82.42 Td (Director) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 243 0 obj <> endobj 244 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.30 730.25 Td (Exhibit23.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 131.85 706.25 Td (CONSENT) Tj ET Q q 0 0 0 rg BT 180.01 706.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 196.03 706.25 Td ( INDEPENDENT) Tj ET Q q 0 0 0 rg BT 271.14 706.25 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 0 rg BT 381.44 706.25 Td (ACCOUNTING FIRM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 682.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 682.25 Td (e consent to the incorporation by reference in the Registration Statements \(Nos. 333-197040 and 333- 199104\) on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (Form S-8 and \(No. 333-205922\) on Form S-3 of Bankwell Financial Group, Inc. of our report dated March 4, 2019, relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (the consolidated financial statements of Bankwell Financial Group, Inc., appearing in this ) Tj ET Q q 0 0 0 rg BT 410.74 658.25 Td (Annual Report on Form 10-K of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.85 Td (Bankwell Financial Group, Inc. for the year ended December 31, 2018.) 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I have reviewed this annual report on Form 10-K of Bankwell Financial Group, Inc.) 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(to ) Tj ET Q q 0 0 0 rg BT 490.66 505.90 Td (be ) Tj ET Q q 0 0 0 rg BT 501.89 505.90 Td (designed ) Tj ET Q q 0 0 0 rg BT 539.23 505.90 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 493.90 Td (our ) Tj ET Q q 0 0 0 rg BT 101.79 493.90 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 152.86 493.90 Td (to ) Tj ET Q q 0 0 0 rg BT 163.10 493.90 Td (ensure ) Tj ET Q q 0 0 0 rg BT 191.67 493.90 Td (that ) Tj ET Q q 0 0 0 rg BT 209.12 493.90 Td (material ) Tj ET Q q 0 0 0 rg BT 244.34 493.90 Td (information ) Tj ET Q q 0 0 0 rg BT 294.02 493.90 Td (relating ) Tj ET Q q 0 0 0 rg BT 327.02 493.90 Td (to ) Tj ET Q q 0 0 0 rg BT 337.26 493.90 Td (the ) Tj ET Q q 0 0 0 rg BT 351.94 493.90 Td (Registrant, ) Tj ET Q q 0 0 0 rg BT 398.01 493.90 Td (including ) Tj ET Q q 0 0 0 rg BT 438.24 493.90 Td (its ) Tj ET Q q 0 0 0 rg BT 450.15 493.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.16 493.90 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 555.34 493.90 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 481.90 Td (made ) Tj ET Q q 0 0 0 rg BT 110.16 481.90 Td (known ) Tj ET Q q 0 0 0 rg BT 139.88 481.90 Td (to ) Tj ET Q q 0 0 0 rg BT 150.16 481.90 Td (us ) Tj ET Q q 0 0 0 rg BT 161.55 481.90 Td (by ) Tj ET Q q 0 0 0 rg BT 174.05 481.90 Td (others ) Tj ET Q q 0 0 0 rg BT 200.99 481.90 Td (within ) Tj ET Q q 0 0 0 rg BT 229.04 481.90 Td (those ) Tj ET Q q 0 0 0 rg BT 252.65 481.90 Td (entities, ) Tj ET Q q 0 0 0 rg BT 286.53 481.90 Td (particularly ) Tj ET Q q 0 0 0 rg BT 335.12 481.90 Td (during ) Tj ET Q q 0 0 0 rg BT 363.73 481.90 Td (the ) Tj ET Q q 0 0 0 rg BT 378.45 481.90 Td (period ) Tj ET Q q 0 0 0 rg BT 406.49 481.90 Td (in ) Tj ET Q q 0 0 0 rg BT 416.77 481.90 Td (which ) Tj ET Q q 0 0 0 rg BT 443.71 481.90 Td (this ) Tj ET Q q 0 0 0 rg BT 460.66 481.90 Td (report ) Tj ET Q q 0 0 0 rg BT 487.04 481.90 Td (is ) Tj ET Q q 0 0 0 rg BT 496.21 481.90 Td (being ) Tj ET Q q 0 0 0 rg BT 520.92 481.90 Td (prepared;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 455.50 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 87.33 455.50 Td (designed ) Tj ET Q q 0 0 0 rg BT 126.04 455.50 Td (such ) Tj ET Q q 0 0 0 rg BT 147.54 455.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 181.25 455.50 Td (control ) Tj ET Q q 0 0 0 rg BT 212.74 455.50 Td (over ) Tj ET Q q 0 0 0 rg BT 233.68 455.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 271.83 455.50 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 314.15 455.50 Td (or ) Tj ET Q q 0 0 0 rg BT 325.65 455.50 Td (caused ) Tj ET Q q 0 0 0 rg BT 356.03 455.50 Td (such ) Tj ET Q q 0 0 0 rg BT 377.52 455.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 411.23 455.50 Td (control ) Tj ET Q q 0 0 0 rg BT 442.73 455.50 Td (over ) Tj ET Q q 0 0 0 rg BT 463.66 455.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 501.81 455.50 Td (reporting ) Tj ET Q q 0 0 0 rg BT 541.63 455.50 Td (to ) Tj ET Q q 0 0 0 rg BT 552.58 455.50 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 443.50 Td (designed ) Tj ET Q q 0 0 0 rg BT 124.20 443.50 Td (under ) Tj ET Q q 0 0 0 rg BT 149.62 443.50 Td (our ) Tj ET Q q 0 0 0 rg BT 165.60 443.50 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 216.86 443.50 Td (to ) Tj ET Q q 0 0 0 rg BT 227.29 443.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 260.49 443.50 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 305.89 443.50 Td (assurance ) Tj ET Q q 0 0 0 rg BT 347.41 443.50 Td (regarding ) Tj ET Q q 0 0 0 rg BT 388.38 443.50 Td (the ) Tj ET Q q 0 0 0 rg BT 403.25 443.50 Td (reliability ) Tj ET Q q 0 0 0 rg BT 444.77 443.50 Td (of ) Tj ET Q q 0 0 0 rg BT 455.76 443.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 493.39 443.50 Td (reporting ) Tj ET Q q 0 0 0 rg BT 532.69 443.50 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 443.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 431.50 Td (preparation ) Tj ET Q q 0 0 0 rg BT 134.03 431.50 Td (of ) Tj ET Q q 0 0 0 rg BT 144.86 431.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 182.34 431.50 Td (statements ) Tj ET Q q 0 0 0 rg BT 227.05 431.50 Td (for ) Tj ET Q q 0 0 0 rg BT 241.21 431.50 Td (external ) Tj ET Q q 0 0 0 rg BT 275.92 431.50 Td (purposes ) Tj ET Q q 0 0 0 rg BT 313.97 431.50 Td (in ) Tj ET Q q 0 0 0 rg BT 324.25 431.50 Td (accordance ) Tj ET Q q 0 0 0 rg BT 371.71 431.50 Td (with ) Tj ET Q q 0 0 0 rg BT 391.99 431.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 431.69 431.50 Td (accepted ) Tj ET Q q 0 0 0 rg BT 469.16 431.50 Td (accounting ) Tj ET Q q 0 0 0 rg BT 515.53 431.50 Td (principles;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 405.10 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 87.62 405.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 129.95 405.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.18 405.10 Td (ef) Tj ET Q q 0 0 0 rg BT 153.77 405.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 202.21 405.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.56 405.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.79 405.10 Td (Registrant) Tj ET Q q 0 0 0 rg BT 274.67 405.10 Td (s ) Tj ET Q q 0 0 0 rg BT 282.58 405.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 327.15 405.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 363.38 405.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.84 405.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 429.73 405.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.18 405.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 490.52 405.10 Td (in ) Tj ET Q q 0 0 0 rg BT 502.31 405.10 Td (this ) Tj ET Q q 0 0 0 rg BT 520.78 405.10 Td (report ) Tj ET Q q 0 0 0 rg BT 548.67 405.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 393.10 Td (conclusions ) Tj ET Q q 0 0 0 rg BT 135.47 393.10 Td (about ) Tj ET Q q 0 0 0 rg BT 159.93 393.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.40 393.10 Td (ef) Tj ET Q q 0 0 0 rg BT 181.98 393.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 228.66 393.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.23 393.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.70 393.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 296.50 393.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 330.96 393.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.65 393.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 396.26 393.10 Td (as ) Tj ET Q q 0 0 0 rg BT 406.84 393.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.42 393.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.89 393.10 Td (end ) Tj ET Q q 0 0 0 rg BT 448.57 393.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.15 393.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.62 393.10 Td (period ) Tj ET Q q 0 0 0 rg BT 501.41 393.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 535.31 393.10 Td (by ) Tj ET Q q 0 0 0 rg BT 547.56 393.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 381.10 Td (report ) Tj ET Q q 0 0 0 rg BT 112.38 381.10 Td (based ) Tj ET Q q 0 0 0 rg BT 137.65 381.10 Td (on ) Tj ET Q q 0 0 0 rg BT 150.15 381.10 Td (such ) Tj ET Q q 0 0 0 rg BT 170.98 381.10 Td (evaluation; ) Tj ET Q q 0 0 0 rg BT 217.90 381.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 354.70 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 86.80 354.70 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 126.65 354.70 Td (in ) Tj ET Q q 0 0 0 rg BT 137.06 354.70 Td (this ) Tj ET Q q 0 0 0 rg BT 154.15 354.70 Td (report ) Tj ET Q q 0 0 0 rg BT 180.66 354.70 Td (any ) Tj ET Q q 0 0 0 rg BT 197.73 354.70 Td (change ) Tj ET Q q 0 0 0 rg BT 228.68 354.70 Td (in ) Tj ET Q q 0 0 0 rg BT 239.10 354.70 Td (the ) Tj ET Q q 0 0 0 rg BT 253.95 354.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 297.83 354.70 Td (s ) Tj ET Q q 0 0 0 rg BT 304.36 354.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 337.54 354.70 Td (control ) Tj ET Q q 0 0 0 rg BT 368.50 354.70 Td (over ) Tj ET Q q 0 0 0 rg BT 388.90 354.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.52 354.70 Td (reporting ) Tj ET Q q 0 0 0 rg BT 465.81 354.70 Td (that ) Tj ET Q q 0 0 0 rg BT 483.44 354.70 Td (occurred ) Tj ET Q q 0 0 0 rg BT 521.05 354.70 Td (during ) Tj ET Q q 0 0 0 rg BT 549.80 354.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 342.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 129.88 342.70 Td (s ) Tj ET Q q 0 0 0 rg BT 137.08 342.70 Td (most ) Tj ET Q q 0 0 0 rg BT 159.83 342.70 Td (recent ) Tj ET Q q 0 0 0 rg BT 187.56 342.70 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 212.52 342.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 244.14 342.70 Td (\(the ) Tj ET Q q 0 0 0 rg BT 263.00 342.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 306.88 342.70 Td (s ) Tj ET Q q 0 0 0 rg BT 314.08 342.70 Td (fourth ) Tj ET Q q 0 0 0 rg BT 341.82 342.70 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 366.78 342.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 398.40 342.70 Td (in ) Tj ET Q q 0 0 0 rg BT 409.49 342.70 Td (the ) Tj ET Q q 0 0 0 rg BT 425.01 342.70 Td (case ) Tj ET Q q 0 0 0 rg BT 445.52 342.70 Td (of ) Tj ET Q q 0 0 0 rg BT 457.16 342.70 Td (an ) Tj ET Q q 0 0 0 rg BT 469.90 342.70 Td (annual ) Tj ET Q q 0 0 0 rg BT 499.86 342.70 Td (report\) ) Tj ET Q q 0 0 0 rg BT 530.38 342.70 Td (that ) Tj ET Q q 0 0 0 rg BT 548.68 342.70 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 330.70 Td (materially ) Tj ET Q q 0 0 0 rg BT 128.92 330.70 Td (af) Tj ET Q q 0 0 0 rg BT 136.51 330.70 Td (fected, ) Tj ET Q q 0 0 0 rg BT 165.81 330.70 Td (or ) Tj ET Q q 0 0 0 rg BT 176.52 330.70 Td (is ) Tj ET Q q 0 0 0 rg BT 185.58 330.70 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.30 Td (5. ) Tj ET Q q 0 0 0 rg BT 60.56 304.30 Td (The ) Tj ET Q q 0 0 0 rg BT 79.40 304.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 123.28 304.30 Td (s ) Tj ET Q q 0 0 0 rg BT 130.47 304.30 Td (other ) Tj ET Q q 0 0 0 rg BT 154.31 304.30 Td (certifying ) Tj ET Q q 0 0 0 rg BT 196.48 304.30 Td (of) Tj ET Q q 0 0 0 rg BT 204.63 304.30 Td (ficer ) Tj ET Q q 0 0 0 rg BT 226.24 304.30 Td (and ) Tj ET Q q 0 0 0 rg BT 243.97 304.30 Td (I ) Tj ET Q q 0 0 0 rg BT 250.59 304.30 Td (have ) Tj ET Q q 0 0 0 rg BT 272.77 304.30 Td (disclosed, ) Tj ET Q q 0 0 0 rg BT 315.78 304.30 Td (based ) Tj ET Q q 0 0 0 rg BT 341.84 304.30 Td (on ) Tj ET Q q 0 0 0 rg BT 355.14 304.30 Td (our ) Tj ET Q q 0 0 0 rg BT 371.76 304.30 Td (most ) Tj ET Q q 0 0 0 rg BT 394.50 304.30 Td (recent ) Tj ET Q q 0 0 0 rg BT 422.22 304.30 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 467.17 304.30 Td (of ) Tj ET Q q 0 0 0 rg BT 478.79 304.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 512.63 304.30 Td (control ) Tj ET Q q 0 0 0 rg BT 544.25 304.30 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 292.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.71 292.30 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 140.60 292.30 Td (to ) Tj ET Q q 0 0 0 rg BT 152.11 292.30 Td (the ) Tj ET Q q 0 0 0 rg BT 168.05 292.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 211.93 292.30 Td (s ) Tj ET Q q 0 0 0 rg BT 219.56 292.30 Td (auditors ) Tj ET Q q 0 0 0 rg BT 255.50 292.30 Td (and ) Tj ET Q q 0 0 0 rg BT 273.67 292.30 Td (the ) Tj ET Q q 0 0 0 rg BT 289.62 292.30 Td (audit ) Tj ET Q q 0 0 0 rg BT 313.35 292.30 Td (committee ) Tj ET Q q 0 0 0 rg BT 359.28 292.30 Td (of ) Tj ET Q q 0 0 0 rg BT 371.34 292.30 Td (the ) Tj ET Q q 0 0 0 rg BT 387.29 292.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 431.17 292.30 Td (s ) Tj ET Q q 0 0 0 rg BT 438.79 292.30 Td (board ) Tj ET Q q 0 0 0 rg BT 465.29 292.30 Td (of ) Tj ET Q q 0 0 0 rg BT 477.35 292.30 Td (directors ) Tj ET Q q 0 0 0 rg BT 516.07 292.30 Td (\(or ) Tj ET Q q 0 0 0 rg BT 531.46 292.30 Td (persons ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 280.30 Td (performing ) Tj ET Q q 0 0 0 rg BT 106.49 280.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.20 280.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 165.35 280.30 Td (functions\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 253.90 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 85.70 253.90 Td (all ) Tj ET Q q 0 0 0 rg BT 97.81 253.90 Td (significant ) Tj ET Q q 0 0 0 rg BT 142.12 253.90 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 191.98 253.90 Td (and ) Tj ET Q q 0 0 0 rg BT 208.52 253.90 Td (material ) Tj ET Q q 0 0 0 rg BT 243.39 253.90 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 292.14 253.90 Td (in ) Tj ET Q q 0 0 0 rg BT 302.03 253.90 Td (the ) Tj ET Q q 0 0 0 rg BT 316.35 253.90 Td (design ) Tj ET Q q 0 0 0 rg BT 344.57 253.90 Td (or ) Tj ET Q q 0 0 0 rg BT 355.00 253.90 Td (operation ) Tj ET Q q 0 0 0 rg BT 394.87 253.90 Td (of ) Tj ET Q q 0 0 0 rg BT 405.31 253.90 Td (internal ) Tj ET Q q 0 0 0 rg BT 437.96 253.90 Td (control ) Tj ET Q q 0 0 0 rg BT 468.39 253.90 Td (over ) Tj ET Q q 0 0 0 rg BT 488.26 253.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 525.35 253.90 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 241.90 Td (which ) Tj ET Q q 0 0 0 rg BT 112.54 241.90 Td (are ) Tj ET Q q 0 0 0 rg BT 126.84 241.90 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 172.26 241.90 Td (likely ) Tj ET Q q 0 0 0 rg BT 197.13 241.90 Td (to ) Tj ET Q q 0 0 0 rg BT 207.01 241.90 Td (adversely ) Tj ET Q q 0 0 0 rg BT 247.43 241.90 Td (af) Tj ET Q q 0 0 0 rg BT 255.01 241.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 272.10 241.90 Td (the ) Tj ET Q q 0 0 0 rg BT 286.42 241.90 Td (Registrant) Tj ET Q q 0 0 0 rg BT 330.30 241.90 Td (s ) Tj ET Q q 0 0 0 rg BT 336.29 241.90 Td (ability ) Tj ET Q q 0 0 0 rg BT 363.94 241.90 Td (to ) Tj ET Q q 0 0 0 rg BT 373.82 241.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 403.95 241.90 Td (process, ) Tj ET Q q 0 0 0 rg BT 438.54 241.90 Td (summarize ) Tj ET Q q 0 0 0 rg BT 484.52 241.90 Td (and ) Tj ET Q q 0 0 0 rg BT 501.05 241.90 Td (report ) Tj ET Q q 0 0 0 rg BT 527.03 241.90 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 229.90 Td (information; ) Tj ET Q q 0 0 0 rg BT 138.49 229.90 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 203.50 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 87.39 203.50 Td (any ) Tj ET Q q 0 0 0 rg BT 105.05 203.50 Td (fraud, ) Tj ET Q q 0 0 0 rg BT 131.88 203.50 Td (whether ) Tj ET Q q 0 0 0 rg BT 167.31 203.50 Td (or ) Tj ET Q q 0 0 0 rg BT 178.87 203.50 Td (not ) Tj ET Q q 0 0 0 rg BT 194.88 203.50 Td (material, ) Tj ET Q q 0 0 0 rg BT 233.36 203.50 Td (that ) Tj ET Q q 0 0 0 rg BT 251.59 203.50 Td (involves ) Tj ET Q q 0 0 0 rg BT 288.70 203.50 Td (management ) Tj ET Q q 0 0 0 rg BT 343.02 203.50 Td (or ) Tj ET Q q 0 0 0 rg BT 354.58 203.50 Td (other ) Tj ET Q q 0 0 0 rg BT 378.35 203.50 Td (employees ) Tj ET Q q 0 0 0 rg BT 424.34 203.50 Td (who ) Tj ET Q q 0 0 0 rg BT 444.79 203.50 Td (have ) Tj ET Q q 0 0 0 rg BT 466.89 203.50 Td (a ) Tj ET Q q 0 0 0 rg BT 474.56 203.50 Td (significant ) Tj ET Q q 0 0 0 rg BT 520.00 203.50 Td (role ) Tj ET Q q 0 0 0 rg BT 538.77 203.50 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 203.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 191.50 Td (Registrant) Tj ET Q q 0 0 0 rg BT 129.88 191.50 Td (s ) Tj ET Q q 0 0 0 rg BT 136.27 191.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 169.32 191.50 Td (control ) Tj ET Q q 0 0 0 rg BT 200.14 191.50 Td (over ) Tj ET Q q 0 0 0 rg BT 220.41 191.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 257.89 191.50 Td (reporting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.10 Td (Date: ) Tj ET Q q 0 0 0 rg BT 74.16 165.10 Td (March4, ) Tj ET Q q 0 0 0 rg BT 112.75 165.10 Td (2019) 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 349 142.93339843750005 m 455.6552734375 142.93339843750005 l s q 0 0 0 rg BT 349.00 144.27 Td (/s/ Christopher R. Gruseke) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 134.27 Td (Christopher R. Gruseke) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 124.27 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 483.22 124.27 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 249 0 obj <> endobj 250 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.30 731.50 Td (Exhibit31.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.90 719.50 Td (CER) Tj ET Q q 0 0 0 rg BT 283.66 719.50 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 317.92 719.50 Td (TIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 707.50 Td (I, ) Tj ET Q q 0 0 0 rg BT 58.33 707.50 Td (Penko ) Tj ET Q q 0 0 0 rg BT 85.83 707.50 Td (Ivanov ) Tj ET Q q 0 0 0 rg BT 116.10 707.50 Td (certify ) Tj ET Q q 0 0 0 rg BT 144.69 707.50 Td (that:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 683.50 Td (1. I have reviewed this annual report on Form 10-K of Bankwell Financial Group, Inc.) 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(state ) Tj ET Q q 0 0 0 rg BT 503.89 657.10 Td (a ) Tj ET Q q 0 0 0 rg BT 511.30 657.10 Td (material ) Tj ET Q q 0 0 0 rg BT 547.03 657.10 Td (fact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 645.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 100.36 645.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.63 645.10 Td (make ) Tj ET Q q 0 0 0 rg BT 134.77 645.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.48 645.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 194.18 645.10 Td (made, ) Tj ET Q q 0 0 0 rg BT 220.83 645.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.09 645.10 Td (light ) Tj ET Q q 0 0 0 rg BT 251.92 645.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.74 645.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.45 645.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 336.58 645.10 Td (under ) Tj ET Q q 0 0 0 rg BT 361.84 645.10 Td (which ) Tj ET Q q 0 0 0 rg BT 388.77 645.10 Td (such ) Tj ET Q q 0 0 0 rg BT 409.59 645.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 454.29 645.10 Td (were ) Tj ET Q q 0 0 0 rg BT 476.21 645.10 Td (made, ) Tj ET Q q 0 0 0 rg BT 502.85 645.10 Td (not ) Tj ET Q q 0 0 0 rg BT 518.12 645.10 Td (misleading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 633.10 Td (with ) Tj ET Q q 0 0 0 rg BT 79.28 633.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 110.09 633.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.37 633.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.09 633.10 Td (period ) Tj ET Q q 0 0 0 rg BT 163.14 633.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 197.28 633.10 Td (by ) Tj ET Q q 0 0 0 rg BT 209.78 633.10 Td (this ) Tj ET Q q 0 0 0 rg BT 226.73 633.10 Td (report;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 606.70 Td (3. ) Tj ET Q q 0 0 0 rg BT 60.16 606.70 Td (Based ) Tj ET Q q 0 0 0 rg BT 87.25 606.70 Td (on ) Tj ET Q q 0 0 0 rg BT 99.91 606.70 Td (my ) Tj ET Q q 0 0 0 rg BT 115.35 606.70 Td (knowledge, ) Tj ET Q q 0 0 0 rg BT 164.38 606.70 Td (the ) Tj ET Q q 0 0 0 rg BT 179.26 606.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 216.90 606.70 Td (statements, ) Tj ET Q q 0 0 0 rg BT 264.26 606.70 Td (and ) Tj ET Q q 0 0 0 rg BT 281.36 606.70 Td (other ) Tj ET Q q 0 0 0 rg BT 304.57 606.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 342.20 606.70 Td (information ) Tj ET Q q 0 0 0 rg BT 392.07 606.70 Td (included ) Tj ET Q q 0 0 0 rg BT 429.16 606.70 Td (in ) Tj ET Q q 0 0 0 rg BT 439.60 606.70 Td (this ) Tj ET Q q 0 0 0 rg BT 456.71 606.70 Td (report, ) Tj ET Q q 0 0 0 rg BT 485.74 606.70 Td (fairly ) Tj ET Q q 0 0 0 rg BT 510.05 606.70 Td (present ) Tj ET Q q 0 0 0 rg BT 541.59 606.70 Td (in ) Tj ET Q q 0 0 0 rg BT 552.02 606.70 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 594.70 Td (material ) Tj ET Q q 0 0 0 rg BT 93.31 594.70 Td (respects ) Tj ET Q q 0 0 0 rg BT 127.07 594.70 Td (the ) Tj ET Q q 0 0 0 rg BT 140.85 594.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 177.38 594.70 Td (condition, ) Tj ET Q q 0 0 0 rg BT 219.21 594.70 Td (results ) Tj ET Q q 0 0 0 rg BT 246.87 594.70 Td (of ) Tj ET Q q 0 0 0 rg BT 256.75 594.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 299.96 594.70 Td (and ) Tj ET Q q 0 0 0 rg BT 315.96 594.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 335.28 594.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 359.06 594.70 Td (of ) Tj ET Q q 0 0 0 rg BT 368.94 594.70 Td (the ) Tj ET Q q 0 0 0 rg BT 382.71 594.70 Td (Registrant ) Tj ET Q q 0 0 0 rg BT 425.37 594.70 Td (as ) Tj ET Q q 0 0 0 rg BT 435.25 594.70 Td (of, ) Tj ET Q q 0 0 0 rg BT 447.64 594.70 Td (and ) Tj ET Q q 0 0 0 rg BT 463.63 594.70 Td (for) Tj ET Q q 0 0 0 rg BT 474.89 594.70 Td (, ) Tj ET Q q 0 0 0 rg BT 478.94 594.70 Td (the ) Tj ET Q q 0 0 0 rg BT 492.71 594.70 Td (periods ) Tj ET Q q 0 0 0 rg BT 523.71 594.70 Td (presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 582.70 Td (in ) Tj ET Q q 0 0 0 rg BT 69.28 582.70 Td (this ) Tj ET Q q 0 0 0 rg BT 86.23 582.70 Td (report;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.30 Td (4. ) Tj ET Q q 0 0 0 rg BT 58.98 556.30 Td (The ) Tj ET Q q 0 0 0 rg BT 76.13 556.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 120.01 556.30 Td (s ) Tj ET Q q 0 0 0 rg BT 125.50 556.30 Td (other ) Tj ET Q q 0 0 0 rg BT 147.65 556.30 Td (certifying ) Tj ET Q q 0 0 0 rg BT 188.12 556.30 Td (of) Tj ET Q q 0 0 0 rg BT 196.27 556.30 Td (ficer ) Tj ET Q q 0 0 0 rg BT 216.18 556.30 Td (and ) Tj ET Q q 0 0 0 rg BT 232.22 556.30 Td (I ) Tj ET Q q 0 0 0 rg BT 237.15 556.30 Td (are ) Tj ET Q q 0 0 0 rg BT 250.96 556.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 298.10 556.30 Td (for ) Tj ET Q q 0 0 0 rg BT 311.36 556.30 Td (establishing ) Tj ET Q q 0 0 0 rg BT 360.73 556.30 Td (and ) Tj ET Q q 0 0 0 rg BT 376.77 556.30 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 426.14 556.30 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 468.29 556.30 Td (controls ) Tj ET Q q 0 0 0 rg BT 502.10 556.30 Td (and ) Tj ET Q q 0 0 0 rg BT 518.14 556.30 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 544.30 Td (\(as ) Tj ET Q q 0 0 0 rg BT 72.31 544.30 Td (defined ) Tj ET Q q 0 0 0 rg BT 103.94 544.30 Td (in ) Tj ET Q q 0 0 0 rg BT 113.37 544.30 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 154.08 544.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 170.17 544.30 Td (Rules ) Tj ET Q q 0 0 0 rg BT 194.60 544.30 Td (13a-15\(e\) ) Tj ET Q q 0 0 0 rg BT 235.11 544.30 Td (and ) Tj ET Q q 0 0 0 rg BT 251.20 544.30 Td (15d-15\(e\)\) ) Tj ET Q q 0 0 0 rg BT 295.61 544.30 Td (and ) Tj ET Q q 0 0 0 rg BT 311.70 544.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 343.89 544.30 Td (control ) Tj ET Q q 0 0 0 rg BT 373.86 544.30 Td (over ) Tj ET Q q 0 0 0 rg BT 393.28 544.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 429.91 544.30 Td (reporting ) Tj ET Q q 0 0 0 rg BT 468.22 544.30 Td (\(as ) Tj ET Q q 0 0 0 rg BT 481.53 544.30 Td (defined ) Tj ET Q q 0 0 0 rg BT 513.16 544.30 Td (in ) Tj ET Q q 0 0 0 rg BT 522.59 544.30 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 532.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 75.94 532.30 Td (Rules ) Tj ET Q q 0 0 0 rg BT 101.22 532.30 Td (13a-15\(f\) ) Tj ET Q q 0 0 0 rg BT 141.48 532.30 Td (and ) Tj ET Q q 0 0 0 rg BT 158.41 532.30 Td (15d ) Tj ET Q q 0 0 0 rg BT 175.91 532.30 Td (15\(f\)\) ) Tj ET Q q 0 0 0 rg BT 201.73 532.30 Td (for ) Tj ET Q q 0 0 0 rg BT 215.89 532.30 Td (the ) Tj ET Q q 0 0 0 rg BT 230.61 532.30 Td (Registrant ) Tj ET Q q 0 0 0 rg BT 274.21 532.30 Td (and ) Tj ET Q q 0 0 0 rg BT 291.15 532.30 Td (have:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 505.90 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 85.39 505.90 Td (designed ) Tj ET Q q 0 0 0 rg BT 122.73 505.90 Td (such ) Tj ET Q q 0 0 0 rg BT 142.86 505.90 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 185.20 505.90 Td (controls ) Tj ET Q q 0 0 0 rg BT 219.21 505.90 Td (and ) Tj ET Q q 0 0 0 rg BT 235.44 505.90 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 283.60 505.90 Td (or ) Tj ET Q q 0 0 0 rg BT 293.72 505.90 Td (caused ) Tj ET Q q 0 0 0 rg BT 322.72 505.90 Td (such ) Tj ET Q q 0 0 0 rg BT 342.85 505.90 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 385.19 505.90 Td (controls ) Tj ET Q q 0 0 0 rg BT 419.20 505.90 Td (and ) Tj ET Q q 0 0 0 rg BT 435.43 505.90 Td (procedures ) Tj ET Q q 0 0 0 rg BT 481.09 505.90 Td (to ) Tj ET Q q 0 0 0 rg BT 490.66 505.90 Td (be ) Tj ET Q q 0 0 0 rg BT 501.89 505.90 Td (designed ) Tj ET Q q 0 0 0 rg BT 539.23 505.90 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 493.90 Td (our ) Tj ET Q q 0 0 0 rg BT 101.79 493.90 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 152.86 493.90 Td (to ) Tj ET Q q 0 0 0 rg BT 163.10 493.90 Td (ensure ) Tj ET Q q 0 0 0 rg BT 191.67 493.90 Td (that ) Tj ET Q q 0 0 0 rg BT 209.12 493.90 Td (material ) Tj ET Q q 0 0 0 rg BT 244.34 493.90 Td (information ) Tj ET Q q 0 0 0 rg BT 294.02 493.90 Td (relating ) Tj ET Q q 0 0 0 rg BT 327.02 493.90 Td (to ) Tj ET Q q 0 0 0 rg BT 337.26 493.90 Td (the ) Tj ET Q q 0 0 0 rg BT 351.94 493.90 Td (Registrant, ) Tj ET Q q 0 0 0 rg BT 398.01 493.90 Td (including ) Tj ET Q q 0 0 0 rg BT 438.24 493.90 Td (its ) Tj ET Q q 0 0 0 rg BT 450.15 493.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.16 493.90 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 555.34 493.90 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 481.90 Td (made ) Tj ET Q q 0 0 0 rg BT 110.16 481.90 Td (known ) Tj ET Q q 0 0 0 rg BT 139.88 481.90 Td (to ) Tj ET Q q 0 0 0 rg BT 150.16 481.90 Td (us ) Tj ET Q q 0 0 0 rg BT 161.55 481.90 Td (by ) Tj ET Q q 0 0 0 rg BT 174.05 481.90 Td (others ) Tj ET Q q 0 0 0 rg BT 200.99 481.90 Td (within ) Tj ET Q q 0 0 0 rg BT 229.04 481.90 Td (those ) Tj ET Q q 0 0 0 rg BT 252.65 481.90 Td (entities, ) Tj ET Q q 0 0 0 rg BT 286.53 481.90 Td (particularly ) Tj ET Q q 0 0 0 rg BT 335.12 481.90 Td (during ) Tj ET Q q 0 0 0 rg BT 363.73 481.90 Td (the ) Tj ET Q q 0 0 0 rg BT 378.45 481.90 Td (period ) Tj ET Q q 0 0 0 rg BT 406.49 481.90 Td (in ) Tj ET Q q 0 0 0 rg BT 416.77 481.90 Td (which ) Tj ET Q q 0 0 0 rg BT 443.71 481.90 Td (this ) Tj ET Q q 0 0 0 rg BT 460.66 481.90 Td (report ) Tj ET Q q 0 0 0 rg BT 487.04 481.90 Td (is ) Tj ET Q q 0 0 0 rg BT 496.21 481.90 Td (being ) Tj ET Q q 0 0 0 rg BT 520.92 481.90 Td (prepared;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 455.50 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 87.33 455.50 Td (designed ) Tj ET Q q 0 0 0 rg BT 126.04 455.50 Td (such ) Tj ET Q q 0 0 0 rg BT 147.54 455.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 181.25 455.50 Td (control ) Tj ET Q q 0 0 0 rg BT 212.74 455.50 Td (over ) Tj ET Q q 0 0 0 rg BT 233.68 455.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 271.83 455.50 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 314.15 455.50 Td (or ) Tj ET Q q 0 0 0 rg BT 325.65 455.50 Td (caused ) Tj ET Q q 0 0 0 rg BT 356.03 455.50 Td (such ) Tj ET Q q 0 0 0 rg BT 377.52 455.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 411.23 455.50 Td (control ) Tj ET Q q 0 0 0 rg BT 442.73 455.50 Td (over ) Tj ET Q q 0 0 0 rg BT 463.66 455.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 501.81 455.50 Td (reporting ) Tj ET Q q 0 0 0 rg BT 541.63 455.50 Td (to ) Tj ET Q q 0 0 0 rg BT 552.58 455.50 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 443.50 Td (designed ) Tj ET Q q 0 0 0 rg BT 124.20 443.50 Td (under ) Tj ET Q q 0 0 0 rg BT 149.62 443.50 Td 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BT 381.84 405.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 429.73 405.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.18 405.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 490.52 405.10 Td (in ) Tj ET Q q 0 0 0 rg BT 502.31 405.10 Td (this ) Tj ET Q q 0 0 0 rg BT 520.78 405.10 Td (report ) Tj ET Q q 0 0 0 rg BT 548.67 405.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 393.10 Td (conclusions ) Tj ET Q q 0 0 0 rg BT 135.47 393.10 Td (about ) Tj ET Q q 0 0 0 rg BT 159.93 393.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.40 393.10 Td (ef) Tj ET Q q 0 0 0 rg BT 181.98 393.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 228.66 393.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.23 393.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.70 393.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 296.50 393.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 330.96 393.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.65 393.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 396.26 393.10 Td (as ) Tj ET Q q 0 0 0 rg BT 406.84 393.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.42 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(change ) Tj ET Q q 0 0 0 rg BT 228.68 354.70 Td (in ) Tj ET Q q 0 0 0 rg BT 239.10 354.70 Td (the ) Tj ET Q q 0 0 0 rg BT 253.95 354.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 297.83 354.70 Td (s ) Tj ET Q q 0 0 0 rg BT 304.36 354.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 337.54 354.70 Td (control ) Tj ET Q q 0 0 0 rg BT 368.50 354.70 Td (over ) Tj ET Q q 0 0 0 rg BT 388.90 354.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.52 354.70 Td (reporting ) Tj ET Q q 0 0 0 rg BT 465.81 354.70 Td (that ) Tj ET Q q 0 0 0 rg BT 483.44 354.70 Td (occurred ) Tj ET Q q 0 0 0 rg BT 521.05 354.70 Td (during ) Tj ET Q q 0 0 0 rg BT 549.80 354.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 342.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 129.88 342.70 Td (s ) Tj ET Q q 0 0 0 rg BT 137.08 342.70 Td (most ) Tj ET Q q 0 0 0 rg BT 159.83 342.70 Td (recent ) Tj ET Q q 0 0 0 rg BT 187.56 342.70 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 212.52 342.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 244.14 342.70 Td (\(the ) 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231.27 330.70 Td (likely ) Tj ET Q q 0 0 0 rg BT 256.43 330.70 Td (to ) Tj ET Q q 0 0 0 rg BT 266.59 330.70 Td (materially ) Tj ET Q q 0 0 0 rg BT 309.51 330.70 Td (af) Tj ET Q q 0 0 0 rg BT 317.10 330.70 Td (fect, ) Tj ET Q q 0 0 0 rg BT 336.96 330.70 Td (the ) Tj ET Q q 0 0 0 rg BT 351.56 330.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 395.44 330.70 Td (s ) Tj ET Q q 0 0 0 rg BT 401.72 330.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 434.64 330.70 Td (control ) Tj ET Q q 0 0 0 rg BT 465.35 330.70 Td (over ) Tj ET Q q 0 0 0 rg BT 485.50 330.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.86 330.70 Td (reporting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.30 Td (5. ) Tj ET Q q 0 0 0 rg BT 60.56 304.30 Td (The ) Tj ET Q q 0 0 0 rg BT 79.40 304.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 123.28 304.30 Td (s ) Tj ET Q q 0 0 0 rg BT 130.47 304.30 Td (other ) Tj ET Q q 0 0 0 rg BT 154.31 304.30 Td (certifying ) Tj ET Q q 0 0 0 rg BT 196.48 304.30 Td (of) Tj ET Q q 0 0 0 rg BT 204.63 304.30 Td (ficer ) Tj ET Q q 0 0 0 rg BT 226.24 304.30 Td (and ) Tj ET Q q 0 0 0 rg BT 243.97 304.30 Td (I ) Tj ET Q q 0 0 0 rg BT 250.59 304.30 Td (have ) Tj ET Q q 0 0 0 rg BT 272.77 304.30 Td (disclosed, ) Tj ET Q q 0 0 0 rg BT 315.78 304.30 Td (based ) Tj ET Q q 0 0 0 rg BT 341.84 304.30 Td (on ) Tj ET Q q 0 0 0 rg BT 355.14 304.30 Td (our ) Tj ET Q q 0 0 0 rg BT 371.76 304.30 Td (most ) Tj ET Q q 0 0 0 rg BT 394.50 304.30 Td (recent ) Tj ET Q q 0 0 0 rg BT 422.22 304.30 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 467.17 304.30 Td (of ) Tj ET Q q 0 0 0 rg BT 478.79 304.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 512.63 304.30 Td (control ) Tj ET Q q 0 0 0 rg BT 544.25 304.30 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 292.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.71 292.30 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 140.60 292.30 Td (to ) Tj ET Q q 0 0 0 rg BT 152.11 292.30 Td (the ) Tj ET Q q 0 0 0 rg BT 168.05 292.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 211.93 292.30 Td (s ) Tj ET Q q 0 0 0 rg BT 219.56 292.30 Td (auditors ) Tj ET Q q 0 0 0 rg BT 255.50 292.30 Td (and ) Tj ET Q q 0 0 0 rg BT 273.67 292.30 Td (the ) Tj ET Q q 0 0 0 rg BT 289.62 292.30 Td (audit ) Tj ET Q q 0 0 0 rg BT 313.35 292.30 Td (committee ) Tj ET Q q 0 0 0 rg BT 359.28 292.30 Td (of ) Tj ET Q q 0 0 0 rg BT 371.34 292.30 Td (the ) Tj ET Q q 0 0 0 rg BT 387.29 292.30 Td (Registrant) Tj ET Q q 0 0 0 rg BT 431.17 292.30 Td (s ) Tj ET Q q 0 0 0 rg BT 438.79 292.30 Td (board ) Tj ET Q q 0 0 0 rg BT 465.29 292.30 Td (of ) Tj ET Q q 0 0 0 rg BT 477.35 292.30 Td (directors ) Tj ET Q q 0 0 0 rg BT 516.07 292.30 Td (\(or ) Tj ET Q q 0 0 0 rg BT 531.46 292.30 Td (persons ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 280.30 Td (performing ) Tj ET Q q 0 0 0 rg BT 106.49 280.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.20 280.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 165.35 280.30 Td (functions\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 253.90 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 85.70 253.90 Td (all ) Tj ET Q q 0 0 0 rg BT 97.81 253.90 Td (significant ) Tj ET Q q 0 0 0 rg BT 142.12 253.90 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 191.98 253.90 Td (and ) Tj ET Q q 0 0 0 rg BT 208.52 253.90 Td (material ) Tj ET Q q 0 0 0 rg BT 243.39 253.90 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 292.14 253.90 Td (in ) Tj ET Q q 0 0 0 rg BT 302.03 253.90 Td (the ) Tj ET Q q 0 0 0 rg BT 316.35 253.90 Td (design ) Tj ET Q q 0 0 0 rg BT 344.57 253.90 Td (or ) Tj ET Q q 0 0 0 rg BT 355.00 253.90 Td (operation ) Tj ET Q q 0 0 0 rg BT 394.87 253.90 Td (of ) Tj ET Q q 0 0 0 rg BT 405.31 253.90 Td (internal ) Tj ET Q q 0 0 0 rg BT 437.96 253.90 Td (control ) Tj ET Q q 0 0 0 rg BT 468.39 253.90 Td (over ) Tj ET Q q 0 0 0 rg BT 488.26 253.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 525.35 253.90 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 241.90 Td (which ) Tj ET Q q 0 0 0 rg BT 112.54 241.90 Td (are ) Tj ET Q q 0 0 0 rg BT 126.84 241.90 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 172.26 241.90 Td (likely ) Tj ET Q q 0 0 0 rg BT 197.13 241.90 Td (to ) Tj ET Q q 0 0 0 rg BT 207.01 241.90 Td (adversely ) Tj ET Q q 0 0 0 rg BT 247.43 241.90 Td (af) Tj ET Q q 0 0 0 rg BT 255.01 241.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 272.10 241.90 Td (the ) Tj ET Q q 0 0 0 rg BT 286.42 241.90 Td (Registrant) Tj ET Q q 0 0 0 rg BT 330.30 241.90 Td (s ) Tj ET Q q 0 0 0 rg BT 336.29 241.90 Td (ability ) Tj ET Q q 0 0 0 rg BT 363.94 241.90 Td (to ) Tj ET Q q 0 0 0 rg BT 373.82 241.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 403.95 241.90 Td (process, ) Tj ET Q q 0 0 0 rg BT 438.54 241.90 Td (summarize ) Tj ET Q q 0 0 0 rg BT 484.52 241.90 Td (and ) Tj ET Q q 0 0 0 rg BT 501.05 241.90 Td (report ) Tj ET Q q 0 0 0 rg BT 527.03 241.90 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 229.90 Td (information; 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.10 Td (Date: ) Tj ET Q q 0 0 0 rg BT 74.16 165.10 Td (March4, ) Tj ET Q q 0 0 0 rg BT 112.75 165.10 Td (2019) 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 349 142.93339843750005 m 416.216796875 142.93339843750005 l s q 0 0 0 rg BT 349.00 144.27 Td (/s/ Penko Ivanov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 134.27 Td (Penko Ivanov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 124.27 Td (Executive ) Tj ET Q q 0 0 0 rg BT 391.30 124.27 Td (V) Tj ET Q q 0 0 0 rg BT 397.92 124.27 Td (ice President and Chief) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 114.27 Td (Financial Of) Tj ET Q q 0 0 0 rg BT 399.08 114.27 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 251 0 obj <> endobj 252 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.80 731.50 Td (Exhibit32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 196.50 719.50 Td (CER) Tj ET Q q 0 0 0 rg BT 217.26 719.50 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 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323.54 671.50 Td (jointly ) Tj ET Q q 0 0 0 rg BT 352.16 671.50 Td (certify ) Tj ET Q q 0 0 0 rg BT 380.75 671.50 Td (as ) Tj ET Q q 0 0 0 rg BT 391.58 671.50 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 659.50 Td (They ) Tj ET Q q 0 0 0 rg BT 93.28 659.50 Td (are ) Tj ET Q q 0 0 0 rg BT 108.21 659.50 Td (the ) Tj ET Q q 0 0 0 rg BT 123.16 659.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 148.10 659.50 Td (Executive ) Tj ET Q q 0 0 0 rg BT 190.81 659.50 Td (Of) Tj ET Q q 0 0 0 rg BT 201.18 659.50 Td (ficer ) Tj ET Q q 0 0 0 rg BT 222.23 659.50 Td (and ) Tj ET Q q 0 0 0 rg BT 239.39 659.50 Td (the ) Tj ET Q q 0 0 0 rg BT 254.34 659.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 279.28 659.50 Td (Financial ) Tj ET Q q 0 0 0 rg BT 319.22 659.50 Td (Of) Tj ET Q q 0 0 0 rg BT 329.59 659.50 Td (ficer) Tj ET Q q 0 0 0 rg BT 347.51 659.50 Td (, ) Tj ET Q q 0 0 0 rg BT 352.74 659.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 400.40 659.50 Td (, ) Tj ET Q q 0 0 0 rg BT 405.63 659.50 Td (of ) Tj ET Q q 0 0 0 rg BT 416.69 659.50 Td (Bankwell ) Tj ET Q q 0 0 0 rg BT 457.74 659.50 Td (Financial ) Tj ET Q q 0 0 0 rg BT 497.68 659.50 Td (Group, ) Tj ET Q q 0 0 0 rg BT 528.46 659.50 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 546.46 659.50 Td (\(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 647.50 Td (Company\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 635.50 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 635.50 Td (o ) Tj ET Q q 0 0 0 rg BT 83.44 635.50 Td (the ) Tj ET Q q 0 0 0 rg BT 98.70 635.50 Td (best ) Tj ET Q q 0 0 0 rg BT 117.84 635.50 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 635.50 Td (their ) Tj ET Q q 0 0 0 rg BT 150.56 635.50 Td (knowledge, ) Tj ET Q q 0 0 0 rg BT 199.98 635.50 Td (the ) Tj ET Q q 0 0 0 rg BT 215.23 635.50 Td (Company) Tj ET Q q 0 0 0 rg BT 256.89 635.50 Td (s ) Tj ET Q q 0 0 0 rg BT 263.15 635.50 Td (Annual ) Tj ET Q q 0 0 0 rg BT 295.62 635.50 Td (Report ) Tj ET Q q 0 0 0 rg BT 325.87 635.50 Td (on ) Tj ET Q q 0 0 0 rg BT 338.91 635.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 363.61 635.50 Td (10-K ) Tj ET Q q 0 0 0 rg BT 387.20 635.50 Td (for ) Tj ET Q q 0 0 0 rg BT 401.89 635.50 Td (the ) Tj ET Q q 0 0 0 rg BT 417.15 635.50 Td (year ) Tj ET Q q 0 0 0 rg BT 437.39 635.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 464.30 635.50 Td (December31, ) Tj ET Q q 0 0 0 rg BT 523.42 635.50 Td (2018 ) Tj ET Q q 0 0 0 rg BT 546.45 635.50 Td (\(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 623.50 Td (Report\) ) Tj ET Q q 0 0 0 rg BT 92.61 623.50 Td (complies ) Tj ET Q q 0 0 0 rg BT 131.90 623.50 Td (in ) Tj ET Q q 0 0 0 rg BT 142.86 623.50 Td (all ) Tj ET Q q 0 0 0 rg BT 156.04 623.50 Td (material ) Tj ET Q q 0 0 0 rg BT 191.98 623.50 Td (respects ) Tj ET Q q 0 0 0 rg BT 227.38 623.50 Td (with ) Tj ET Q q 0 0 0 rg BT 248.34 623.50 Td (the ) Tj ET Q q 0 0 0 rg BT 263.74 623.50 Td (requirements ) Tj ET Q q 0 0 0 rg BT 319.13 623.50 Td (of ) Tj ET Q q 0 0 0 rg BT 330.64 623.50 Td (Section13\(a\) ) Tj ET Q q 0 0 0 rg BT 387.42 623.50 Td (of ) Tj ET Q q 0 0 0 rg BT 398.94 623.50 Td (the ) Tj ET Q q 0 0 0 rg BT 414.34 623.50 Td (Securities ) Tj ET Q q 0 0 0 rg BT 456.96 623.50 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 498.86 623.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 516.49 623.50 Td (of ) Tj ET Q q 0 0 0 rg BT 528.00 623.50 Td (1934, ) Tj ET Q q 0 0 0 rg BT 553.69 623.50 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 611.50 Td (amended; ) Tj ET Q q 0 0 0 rg BT 91.37 611.50 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 599.50 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 599.50 Td (o ) Tj ET Q q 0 0 0 rg BT 83.07 599.50 Td (the ) Tj ET Q q 0 0 0 rg BT 97.94 599.50 Td (best ) Tj ET Q q 0 0 0 rg BT 116.70 599.50 Td (of ) Tj ET Q q 0 0 0 rg BT 127.69 599.50 Td (their ) Tj ET Q q 0 0 0 rg BT 148.67 599.50 Td (knowledge, ) Tj ET Q q 0 0 0 rg BT 197.71 599.50 Td (based ) Tj ET Q q 0 0 0 rg BT 223.13 599.50 Td (upon ) Tj ET Q q 0 0 0 rg BT 245.79 599.50 Td (a ) Tj ET Q q 0 0 0 rg BT 252.88 599.50 Td (review ) Tj ET Q q 0 0 0 rg BT 282.74 599.50 Td (of ) Tj ET Q q 0 0 0 rg BT 293.73 599.50 Td (the ) Tj ET Q q 0 0 0 rg BT 308.60 599.50 Td (Report, ) Tj ET Q q 0 0 0 rg BT 340.98 599.50 Td (the ) Tj ET Q q 0 0 0 rg BT 355.85 599.50 Td (information ) Tj ET Q q 0 0 0 rg BT 405.72 599.50 Td (contained ) Tj ET Q q 0 0 0 rg BT 447.25 599.50 Td (in ) Tj ET Q q 0 0 0 rg BT 457.68 599.50 Td (the ) Tj ET Q q 0 0 0 rg BT 472.55 599.50 Td (Report ) Tj ET Q q 0 0 0 rg BT 502.43 599.50 Td (fairly ) Tj ET Q q 0 0 0 rg BT 526.74 599.50 Td (presents, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 587.50 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 587.50 Td (all ) Tj ET Q q 0 0 0 rg BT 72.77 587.50 Td (material ) Tj ET Q q 0 0 0 rg BT 108.03 587.50 Td (respects, ) Tj ET Q q 0 0 0 rg BT 145.24 587.50 Td (the ) Tj ET Q q 0 0 0 rg BT 159.96 587.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 197.44 587.50 Td (condition ) Tj ET Q q 0 0 0 rg BT 237.71 587.50 Td (and ) Tj ET Q q 0 0 0 rg BT 254.65 587.50 Td (results ) Tj ET Q q 0 0 0 rg BT 283.26 587.50 Td (of ) Tj ET Q q 0 0 0 rg 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