Board of Governors of the Federal Reserve System

1 76201 FLEET NA BK PROVIDENCE RI NAT 190,338 162,287 85 34 1,681 198 ...1 121709 PROVIDIAN NB TILTON NH NAT 18,183 17,970 99 67 1 1 N 0 0 PROVIDIAN

1,378 1 N 0 0 KEYCORP 14 1 35301 STATE STREET B&TC BOSTON MA SMB 68,571...1 121709 PROVIDIAN NB TILTON NH NAT 16,216 16,212 100 69 1 1 N 0 0 PROVIDIAN

1. Begin text of Footnote 1. I also understand that some banks directly...1) of Regulation O excludes from the definition of extension of credit

1 76201 FLEET NA BK PROVIDENCE RI NAT 190,714 162,432 85 33 1,760 198 ...1 121709 PROVIDIAN NB TILTON NH NAT 17,508 17,390 99 67 1 1 N 0 0 PROVIDIAN

1 14409 CITIZENS BK OF MA BOSTON MA SNM 16,563 16,557 100 68 183 1 N 1E6...1 121709 PROVIDIAN NB TILTON NH NAT 16,556 16,480 100 69 1 1 N 0 0 PROVIDIAN

1) if the transfer agent is a national bank or a bank operating under ...1) of the Act (15 U.S.C. 78q-1(c)(1)) provides that the appropriate regulatory

1) if the transfer agent is a State member bank, a subsidiary thereof,...1) of the Act (15 U.S.C. 78q-1(c)(1)) provides that the appropriate regulatory

1,293 3,765 3,604 577 59 874 3,543 Weighted average maturity (months)1...1.00 2.00 3.00 4.00 5.00 n.a. n.a. Weighted average interest rate4 7.38

1. Recourse and Direct Credit Substitutes 2. Prior History D. Current ...1(c)(2)(vi)(E), (F) and (H) (17 CFR 240.15c3-1(c)(2)(vi)(E), (F), and

1.6 percent of Holding's total equity and 9.55 percent of the total voting...$1.00 million in the aggregate in any year; (iii) not to engage in "banking