CERT BANK UNIT REPORT HOLDING COMPANY 628 JPMorgan Chase Bank, National Association 1111 POLARIS PARKWAY COLUMBUS, OH SAMPLE JPMORGAN CHASE & CO. 3510 Bank of America, National Association 101 S TRYON ST CHARLOTTE, NC SAMPLE BANK OF AMERICA CORPORATION 7213 Citibank, National Association 3900 PARADISE RD, SUITE 127 LAS VEGAS, NV SAMPLE CITIGROUP INC. 3511 Wells Fargo Bank, National Association 101 N. PHILLIPS AVENUE SIOUX FALLS, SD SAMPLE WELLS FARGO & COMPANY 33869 Wachovia Bank, National Association 301 SOUTH COLLEGE STREET CHARLOTTE, NC SAMPLE WELLS FARGO & COMPANY 6548 U.S. Bank National Association 425 WALNUT STREET CINCINNATI, OH SAMPLE U.S. BANCORP 6384 PNC Bank, National Association 249 5TH AVENUE, 1 PNC PLAZA PITTSBURGH, PA SAMPLE PNC FINANCIAL SERVICES GROUP, INC., THE 57890 HSBC Bank USA, National Association 1800 TYSONS BLVD MC LEAN, VA SAMPLE HSBC HOLDINGS PLC 867 SunTrust Bank 303 PEACHTREET ST, N.E. ATLANTA, GA SAMPLE SUNTRUST BANKS, INC. 639 The Bank of New York Mellon ONE WALL STREET NEW YORK, NY SAMPLE BANK OF NEW YORK MELLON CORPORATION, THE 9846 Branch Banking and Trust Company 200 WEST SECOND STREET WINSTON SALEM, NC SAMPLE BB&T CORPORATION 14 State Street Bank and Trust Company 225 FRANKLIN STREET BOSTON, MA SAMPLE STATE STREET CORPORATION 33318 FIA Card Services, National Association 1100 NORTH KING STREET WILMINGTON, DE SAMPLE BANK OF AMERICA CORPORATION 18409 TD Bank, National Association 2035 LIMESTONE ROAD WILMINGTON, DE SAMPLE TORONTO-DOMINION BANK, THE 12368 Regions Bank 1900 FIFTH AVENUE NORTH BIRMINGHAM, AL SAMPLE REGIONS FINANCIAL CORPORATION 4297 Capital One, National Association 1680 CAPITAL ONE DRIVE MCLEAN, VA SAMPLE CAPITAL ONE FINANCIAL CORPORATION 57957 RBS Citizens, National Association ONE CITIZENS PLAZA PROVIDENCE, RI SAMPLE UK FINANCIAL INVESTMENTS LIMITED 6672 Fifth Third Bank 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH SAMPLE FIFTH THIRD BANCORP 23360 Citibank (South Dakota), N.A. 701 EAST 60TH STREET NORTH SIOUX FALLS, SD SAMPLE CITIGROUP INC. 23702 Chase Bank USA, National Association 200 WHITE CLAY CENTER DRIVE NEWARK, DE SAMPLE JPMORGAN CHASE & CO. 35489 ING Bank, fsb 1 SOUTH ORANGE STREET WILMINGTON, DE SAMPLE N/A 17534 KeyBank National Association 127 PUBLIC SQUARE CLEVELAND, OH SAMPLE KEYCORP 22826 Union Bank, National Association 400 CALIFORNIA STREET SAN FRANCISCO, CA SAMPLE MITSUBISHI UFJ FINANCIAL GROUP, INC. 29950 Sovereign Bank 840 PENN AVENUE WYOMISSING, PA SAMPLE BANCO SANTANDER, S.A. 913 The Northern Trust Company 50 SOUTH LASALLE STREET CHICAGO, IL SAMPLE NORTHERN TRUST CORPORATION

Regular calibration of forward looking risk estimates is a critical pillar of Basel II. IRA provides quarterly Mark-to-CALL Report benchmarking using data as reported to U.S. Regulators. P(D) - Probability of Default rated in approximate bond equivalent values. LGD - Loss Given Default as percent of unrecovered per defaulted loan dollar. M - Maturity in years for aggregate lending portfolio. EAD - Expressed as Unused Commitments outstanding at the time of default.

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