%PDF-1.5 1 0 obj <> endobj 3 0 obj <> endobj 4 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 126.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 162.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 198.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 234.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 270.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 306.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 342.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 378.00 20.50 Td ( ) Tj ET Q q 0 0 0 rg BT 414.00 20.50 Td ( ) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 558.00 20.50 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 54.00 8.50 Td ( ) Tj ET Q BT /F3 24.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 626.05 Td (Northern T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 175.34 626.05 Td (rust Corporation) Tj ET Q BT /F2 22.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 586.45 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 1 J 1 j 3 M 54 556.65 m 562.5 556.65 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 526.05 Td (For the quarterly period ended ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 218.77 526.05 Td (March31, 2018) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 302.15 526.05 Td ( ) Tj ET Q /GS0 gs q 108.00 0 0 60.50 450.00 20.50 cm /I1 Do Q endstream endobj 5 0 obj <><><><><><><><><><><>] /Rotate 0 /Contents 6 0 R>> endobj 6 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 1 J 1 j 3 M 54 61.10000000000002 m 666 61.10000000000002 l s BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 270.00 34.20 Td ( i) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 294.45 34.20 Td ( ) Tj ET Q q 0 0 0 rg BT 306.00 34.20 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 336.00 34.20 Td ( ) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 342.00 34.20 Td ( March 31, 2018 | Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 480.77 34.20 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 483.37 34.20 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 489.11 34.20 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 505.78 34.20 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 508.56 34.20 Td (Corporation) Tj ET Q BT /F3 18.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 706.90 Td (Northern T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 145.00 706.90 Td (rust Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 684.50 Td (PILLAR 3 REGULA) Tj ET Q q 0 0 0 rg BT 157.15 684.50 Td (T) Tj ET Q q 0 0 0 rg BT 164.27 684.50 Td (OR) Tj ET Q q 0 0 0 rg BT 182.05 684.50 Td (Y) Tj ET Q q 0 0 0 rg BT 189.84 684.50 Td ( DISCLOSURES) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 54.00 671.30 Td (For the quarterly period ended ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 205.04 671.30 Td (March31, 2018) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 281.47 671.30 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 630.8 m 87.75 630.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 87.75 630.8 m 313.75 630.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 630.8 m 539.75 630.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.75 630.8 m 561.75 630.8 l s BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 635.86 Td (T) Tj ET Q q 0 0 0 rg BT 62.92 635.86 Td (able of Contents) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 530.20 635.86 Td (Page) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 599.86 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 599.86 Td (Index of ) Tj ET Q q 0 0 0 rg BT 136.17 599.86 Td (T) Tj ET Q q 0 0 0 rg BT 142.73 599.86 Td (ables.............................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 552.90 599.86 Td (ii) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 569.86 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 569.86 Td (Introduction..................................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 539.86 Td (3) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 539.86 Td (Forward-Looking Statements.......................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 509.86 Td (4) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 509.86 Td (Basel Capital Framework.............................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 479.86 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 479.86 Td (Capital Structure..........................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 449.86 Td (6) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 449.86 Td (Capital ) Tj ET Q q 0 0 0 rg BT 130.61 449.86 Td (Adequacy) Tj ET Q q 0 0 0 rg BT 183.20 449.86 Td (..........................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 419.86 Td (7) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 419.86 Td (Risk Management Overview) Tj ET Q q 0 0 0 rg BT 239.97 419.86 Td (........................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 389.86 Td (8) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 389.86 Td (Credit Risk....................................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 359.86 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 359.86 Td (Equities Not Subject to the Market Risk Rule..............................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 329.86 Td (10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 329.86 Td (Operational Risk...........................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 299.86 Td (1) Tj ET Q q 0 0 0 rg BT 62.48 299.86 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 299.86 Td (Market Risk..................................................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 56.25 269.86 Td (12) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.25 269.86 Td (References to Northern ) Tj ET Q q 0 0 0 rg BT 218.10 269.86 Td (T) Tj ET Q q 0 0 0 rg BT 224.98 269.86 Td (rust) Tj ET Q q 0 0 0 rg BT 247.43 269.86 Td (s SEC Filings.................................................................) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.55 569.86 Td (1) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.55 539.86 Td (2) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.55 509.86 Td (3) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.55 479.86 Td (4) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 545.75 449.86 Td (1) Tj ET Q q 0 0 0 rg BT 551.53 449.86 Td (1) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.90 419.86 Td (12) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.90 389.86 Td (16) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.90 359.86 Td (27) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.90 329.86 Td (28) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.90 299.86 Td (31) Tj ET Q BT /F2 12.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.90 269.86 Td (37) Tj ET Q BT /F2 12.00 Tf ET endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 306.00 58.80 Td ( ) Tj ET Q q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 486.00 58.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 522.00 58.80 Td ( ) Tj ET Q q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 558.00 58.80 Td ( ) Tj ET Q q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 562.00 58.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 306.00 46.80 Td (ii) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 310.44 46.80 Td ( ) Tj ET Q q 0 0 0 rg BT 310.44 46.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 363.23 46.80 Td (March 31, 2018 | Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 479.78 46.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 482.47 46.80 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 488.30 46.80 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 504.78 46.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 507.56 46.80 Td (Corporation) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 687.1 m 105.25 687.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.25 687.1 m 281.25 687.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.25 687.1 m 406.25 687.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.25 687.1 m 537.25 687.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.25 687.1 m 562.25 687.1 l s BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 55.75 690.86 Td (Index of ) Tj ET Q q 0 0 0 rg BT 101.67 690.86 Td (T) Tj ET Q q 0 0 0 rg BT 108.23 690.86 Td (ables) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 530.70 690.86 Td (Page) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 659.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 659.16 Td (able 1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 659.16 Td (Northern ) Tj ET Q q 0 0 0 rg BT 157.66 659.16 Td (T) Tj ET Q q 0 0 0 rg BT 164.66 659.16 Td (rust Corporation Capital Ratios.............................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 659.16 Td (4) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 630.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 630.16 Td (able 2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 630.16 Td (Minimum Capital Ratios.........................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 630.16 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 601.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 601.16 Td (able 3) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 601.16 Td (Credit Exposures Subject to a Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 413.12 601.16 Td (fer) Tj ET Q q 0 0 0 rg BT 426.68 601.16 Td (................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 601.16 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 572.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 572.16 Td (able 4) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 572.16 Td (Prescribed Regulatory Capital Buf) Tj ET Q q 0 0 0 rg BT 288.40 572.16 Td (fers...................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 572.16 Td (6) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 543.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 543.16 Td (able 5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 543.16 Td (Components of Regulatory Capital........................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 543.16 Td (7) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 514.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 514.16 Td (able 6) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 514.16 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 146.30 514.16 Td (eighted ) Tj ET Q q 0 0 0 rg BT 188.56 514.16 Td (Assets............................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 514.16 Td (8) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 485.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 485.16 Td (able 7) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 485.16 Td (Summary Comparison of ) Tj ET Q q 0 0 0 rg BT 243.46 485.16 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 305.51 485.16 Td (Assets and ) Tj ET Q q 0 0 0 rg BT 367.77 485.16 Td (T) Tj ET Q q 0 0 0 rg BT 374.33 485.16 Td (otal Leverage Exposure..........) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 485.16 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 456.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 456.16 Td (able 8) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 456.16 Td (Supplementary Leverage Ratio..............................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 551.05 456.16 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 427.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 427.16 Td (able 9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 427.16 Td (The Northern ) Tj ET Q q 0 0 0 rg BT 181.67 427.16 Td (T) Tj ET Q q 0 0 0 rg BT 188.67 427.16 Td (rust Company Capital Ratios.........................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 427.16 Td (10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 398.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 398.16 Td (able 10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 398.16 Td (Risk Governance Structure....................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 398.16 Td (12) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 369.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 369.16 Td (able 1) Tj ET Q q 0 0 0 rg BT 94.00 369.16 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 369.16 Td (Credit Exposures by Geography) Tj ET Q q 0 0 0 rg BT 278.06 369.16 Td (............................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 369.16 Td (17) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 340.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 340.16 Td (able 12) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 340.16 Td (Credit Exposures by Industry) Tj ET Q q 0 0 0 rg BT 261.37 340.16 Td (, Exposure ) Tj ET Q q 0 0 0 rg BT 321.51 340.16 Td (T) Tj ET Q q 0 0 0 rg BT 328.41 340.16 Td (ype and Contractual Maturity) Tj ET Q q 0 0 0 rg BT 481.04 340.16 Td (...............) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 340.16 Td (18) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 311.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 311.16 Td (able 13) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 311.16 Td (Probability of Default Ranges.................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 311.16 Td (21) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 282.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 282.16 Td (able 14) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 282.16 Td (Counterparty Exposures........................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 282.16 Td (24) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 253.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 253.16 Td (able 15) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 253.16 Td (Securitization Exposures........................................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 253.16 Td (25) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 224.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 224.16 Td (able 16) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 224.16 Td (Securitization Exposures by Risk-W) Tj ET Q q 0 0 0 rg BT 297.70 224.16 Td (eight Bands...................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 224.16 Td (26) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 195.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 195.16 Td (able 17) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 195.16 Td (Equities Not Subject to the Market Risk Rule........................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 195.16 Td (27) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 166.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 166.16 Td (able 18) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 166.16 Td (Net Interest Income Sensitivity) Tj ET Q q 0 0 0 rg BT 269.37 166.16 Td (...............................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 166.16 Td (32) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 137.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 137.16 Td (able 19) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 137.16 Td (Market V) Tj ET Q q 0 0 0 rg BT 155.32 137.16 Td (alue of Equity Sensitivity) Tj ET Q q 0 0 0 rg BT 284.49 137.16 Td (..........................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 137.16 Td (33) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 108.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 108.16 Td (able 20) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 108.16 Td (Foreign Currency V) Tj ET Q q 0 0 0 rg BT 211.34 108.16 Td (alue-at-Risk.............................................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 108.16 Td (35) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 55.75 79.16 Td (T) Tj ET Q q 0 0 0 rg BT 62.42 79.16 Td (able 21) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 107.75 79.16 Td (Foreign Currency Stressed V) Tj ET Q q 0 0 0 rg BT 261.59 79.16 Td (alue-at-Risk..............................................................) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 544.40 79.16 Td (35) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (1 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Introduction ) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.74 681.05 Td (T) Tj ET Q q 0 0 0 rg BT 111.62 681.05 Td (rust ) Tj ET Q q 0 0 0 rg BT 135.96 681.05 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 203.00 681.05 Td (\(the ) Tj ET Q q 0 0 0 rg BT 228.01 681.05 Td (Corporation\) ) Tj ET Q q 0 0 0 rg BT 307.03 681.05 Td (is ) Tj ET Q q 0 0 0 rg BT 320.03 681.05 Td (a ) Tj ET Q q 0 0 0 rg BT 331.04 681.05 Td (financial ) Tj ET Q q 0 0 0 rg BT 379.40 681.05 Td (holding ) Tj ET Q q 0 0 0 rg BT 422.43 681.05 Td (company ) Tj ET Q q 0 0 0 rg BT 475.46 681.05 Td (that ) Tj ET Q q 0 0 0 rg BT 499.81 681.05 Td (is ) Tj ET Q q 0 0 0 rg BT 512.81 681.05 Td (a ) Tj ET Q q 0 0 0 rg BT 523.81 681.05 Td (leading ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 666.65 Td (provider ) Tj ET Q q 0 0 0 rg BT 103.91 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 120.48 666.65 Td (asset ) Tj ET Q q 0 0 0 rg BT 155.72 666.65 Td (servicing, ) Tj ET Q q 0 0 0 rg BT 212.96 666.65 Td (fund ) Tj ET Q q 0 0 0 rg BT 242.88 666.65 Td (administration, ) Tj ET Q q 0 0 0 rg BT 327.47 666.65 Td (asset ) Tj ET Q q 0 0 0 rg BT 362.71 666.65 Td (management, ) Tj ET Q q 0 0 0 rg BT 442.64 666.65 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 493.89 666.65 Td (and ) Tj ET Q q 0 0 0 rg BT 520.47 666.65 Td (banking ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 103.33 652.25 Td (for ) Tj ET Q q 0 0 0 rg BT 119.31 652.25 Td (corporations, ) Tj ET Q q 0 0 0 rg BT 190.65 652.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 252.65 652.25 Td (families ) Tj ET Q q 0 0 0 rg BT 295.30 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.29 652.25 Td (individuals ) Tj ET Q q 0 0 0 rg BT 375.29 652.25 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 433.83 652.25 Td (The ) Tj ET Q q 0 0 0 rg BT 456.47 652.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 521.15 652.25 Td (focuses ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (on ) Tj ET Q q 0 0 0 rg BT 73.19 637.85 Td (managing ) Tj ET Q q 0 0 0 rg BT 131.73 637.85 Td (and ) Tj ET Q q 0 0 0 rg BT 157.60 637.85 Td (servicing ) Tj ET Q q 0 0 0 rg BT 210.79 637.85 Td (client ) Tj ET Q q 0 0 0 rg BT 244.64 637.85 Td (assets ) Tj ET Q q 0 0 0 rg BT 285.16 637.85 Td (through ) Tj ET Q q 0 0 0 rg BT 331.70 637.85 Td (its ) Tj ET Q q 0 0 0 rg BT 349.54 637.85 Td (two ) Tj ET Q q 0 0 0 rg BT 374.06 637.85 Td (client-focused ) Tj ET Q q 0 0 0 rg BT 453.94 637.85 Td (reporting ) Tj ET Q q 0 0 0 rg BT 507.14 637.85 Td (segments: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 623.45 Td (Corporate& ) Tj ET Q q 0 0 0 rg BT 124.36 623.45 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 190.72 623.45 Td (Services ) Tj ET Q q 0 0 0 rg BT 242.39 623.45 Td (and ) Tj ET Q q 0 0 0 rg BT 268.06 623.45 Td (W) Tj ET Q q 0 0 0 rg BT 279.17 623.45 Td (ealth ) Tj ET Q q 0 0 0 rg BT 310.85 623.45 Td (Management. ) Tj ET Q q 0 0 0 rg BT 388.76 623.45 Td (Asset ) Tj ET Q q 0 0 0 rg BT 424.43 623.45 Td (management ) Tj ET Q q 0 0 0 rg BT 500.13 623.45 Td (and ) Tj ET Q q 0 0 0 rg BT 525.81 623.45 Td (related ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 609.05 Td (services ) Tj ET Q q 0 0 0 rg BT 103.86 609.05 Td (are ) Tj ET Q q 0 0 0 rg BT 127.05 609.05 Td (provided ) Tj ET Q q 0 0 0 rg BT 178.93 609.05 Td (to ) Tj ET Q q 0 0 0 rg BT 194.79 609.05 Td (Corporate& ) Tj ET Q q 0 0 0 rg BT 265.33 609.05 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 331.88 609.05 Td (Services ) Tj ET Q q 0 0 0 rg BT 383.75 609.05 Td (and ) Tj ET Q q 0 0 0 rg BT 409.62 609.05 Td (W) Tj ET Q q 0 0 0 rg BT 420.72 609.05 Td (ealth ) Tj ET Q q 0 0 0 rg BT 452.59 609.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 528.49 609.05 Td (clients ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 594.65 Td (primarily ) Tj ET Q q 0 0 0 rg BT 101.65 594.65 Td (by ) Tj ET Q q 0 0 0 rg BT 116.65 594.65 Td (the ) Tj ET Q q 0 0 0 rg BT 135.19 594.65 Td (Asset ) Tj ET Q q 0 0 0 rg BT 167.52 594.65 Td (Management ) Tj ET Q q 0 0 0 rg BT 239.88 594.65 Td (business. ) Tj ET Q q 0 0 0 rg BT 292.75 594.65 Td (The ) Tj ET Q q 0 0 0 rg BT 315.74 594.65 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 380.77 594.65 Td (conducts ) Tj ET Q q 0 0 0 rg BT 431.11 594.65 Td (business ) Tj ET Q q 0 0 0 rg BT 480.80 594.65 Td (through ) Tj ET Q q 0 0 0 rg BT 523.81 594.65 Td (various ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 82.45 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 107.59 580.25 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 160.06 580.25 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 231.88 580.25 Td (including ) Tj ET Q q 0 0 0 rg BT 284.36 580.25 Td (through ) Tj ET Q q 0 0 0 rg BT 330.18 580.25 Td (its ) Tj ET Q q 0 0 0 rg BT 347.29 580.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 397.10 580.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 450.23 580.25 Td (, ) Tj ET Q q 0 0 0 rg BT 458.35 580.25 Td (The ) Tj ET Q q 0 0 0 rg BT 484.14 580.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 535.61 580.25 Td (T) Tj ET Q q 0 0 0 rg BT 542.50 580.25 Td (rust ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 565.85 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.56 565.85 Td (\(the ) Tj ET Q q 0 0 0 rg BT 130.44 565.85 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 174.88 565.85 Td (At ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 188.43 565.85 Td (March31, ) Tj ET Q q 0 0 0 rg BT 243.99 565.85 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 270.68 565.85 Td (, ) Tj ET Q q 0 0 0 rg BT 276.22 565.85 Td (the ) Tj ET Q q 0 0 0 rg BT 295.10 565.85 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 360.01 565.85 Td (had ) Tj ET Q q 0 0 0 rg BT 382.24 565.85 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 451.82 565.85 Td (total ) Tj ET Q q 0 0 0 rg BT 476.71 565.85 Td (assets ) Tj ET Q q 0 0 0 rg BT 513.59 565.85 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 525.81 565.85 Td ($129.7 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 551.45 Td (billion) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 84.69 551.45 Td ( ) Tj ET Q q 0 0 0 rg BT 88.02 551.45 Td (and ) Tj ET Q q 0 0 0 rg BT 111.38 551.45 Td (stockholders) Tj ET Q q 0 0 0 rg BT 180.96 551.45 Td ( ) Tj ET Q q 0 0 0 rg BT 184.29 551.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 219.65 551.45 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 232.99 551.45 Td ($10.2 ) Tj ET Q q 0 0 0 rg BT 266.36 551.45 Td (billion) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 297.04 551.45 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 522.65 Td (The ) Tj ET Q q 0 0 0 rg BT 78.47 522.65 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 144.96 522.65 Td (is ) Tj ET Q q 0 0 0 rg BT 157.42 522.65 Td (a ) Tj ET Q q 0 0 0 rg BT 167.88 522.65 Td (bank ) Tj ET Q q 0 0 0 rg BT 197.70 522.65 Td (holding ) Tj ET Q q 0 0 0 rg BT 240.19 522.65 Td (company ) Tj ET Q q 0 0 0 rg BT 292.67 522.65 Td (that ) Tj ET Q q 0 0 0 rg BT 316.48 522.65 Td (has ) Tj ET Q q 0 0 0 rg BT 339.62 522.65 Td (elected ) Tj ET Q q 0 0 0 rg BT 382.11 522.65 Td (to ) Tj ET Q q 0 0 0 rg BT 395.91 522.65 Td (be ) Tj ET Q q 0 0 0 rg BT 413.04 522.65 Td (a ) Tj ET Q q 0 0 0 rg BT 423.51 522.65 Td (financial ) Tj ET Q q 0 0 0 rg BT 471.33 522.65 Td (holding ) Tj ET Q q 0 0 0 rg BT 513.82 522.65 Td (company ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 508.25 Td (under ) Tj ET Q q 0 0 0 rg BT 88.06 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.10 508.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 138.82 508.25 Td (Holding ) Tj ET Q q 0 0 0 rg BT 182.88 508.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 236.93 508.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 257.63 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 271.01 508.25 Td (1956, ) Tj ET Q q 0 0 0 rg BT 304.40 508.25 Td (as ) Tj ET Q q 0 0 0 rg BT 320.44 508.25 Td (amended. ) Tj ET Q q 0 0 0 rg BT 377.18 508.25 Td (Consequently) Tj ET Q q 0 0 0 rg BT 449.67 508.25 Td (, ) Tj ET Q q 0 0 0 rg BT 456.37 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 476.41 508.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 542.48 508.25 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 493.85 Td (its ) Tj ET Q q 0 0 0 rg BT 71.52 493.85 Td (business ) Tj ET Q q 0 0 0 rg BT 124.40 493.85 Td (activities ) Tj ET Q q 0 0 0 rg BT 175.94 493.85 Td (throughout ) Tj ET Q q 0 0 0 rg BT 238.84 493.85 Td (the ) Tj ET Q q 0 0 0 rg BT 261.04 493.85 Td (world ) Tj ET Q q 0 0 0 rg BT 295.23 493.85 Td (are ) Tj ET Q q 0 0 0 rg BT 318.10 493.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 361.64 493.85 Td (to ) Tj ET Q q 0 0 0 rg BT 377.17 493.85 Td (the ) Tj ET Q q 0 0 0 rg BT 399.37 493.85 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 468.92 493.85 Td (examination, ) Tj ET Q q 0 0 0 rg BT 542.48 493.85 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 479.45 Td (regulation ) Tj ET Q q 0 0 0 rg BT 109.36 479.45 Td (of ) Tj ET Q q 0 0 0 rg BT 122.02 479.45 Td (the ) Tj ET Q q 0 0 0 rg BT 141.35 479.45 Td (Board ) Tj ET Q q 0 0 0 rg BT 176.02 479.45 Td (of ) Tj ET Q q 0 0 0 rg BT 188.68 479.45 Td (Governors ) Tj ET Q q 0 0 0 rg BT 247.36 479.45 Td (of ) Tj ET Q q 0 0 0 rg BT 260.02 479.45 Td (the ) Tj ET Q q 0 0 0 rg BT 279.35 479.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 322.69 479.45 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 370.02 479.45 Td (System ) Tj ET Q q 0 0 0 rg BT 412.68 479.45 Td (\(the ) Tj ET Q q 0 0 0 rg BT 436.01 479.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 483.35 479.45 Td (Reserve\). ) Tj ET Q q 0 0 0 rg BT 541.84 479.45 Td (The ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 465.05 Td (Federal ) Tj ET Q q 0 0 0 rg BT 99.62 465.05 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 149.23 465.05 Td (has ) Tj ET Q q 0 0 0 rg BT 173.51 465.05 Td (established ) Tj ET Q q 0 0 0 rg BT 239.14 465.05 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 299.43 465.05 Td (and ) Tj ET Q q 0 0 0 rg BT 324.38 465.05 Td (leverage ) Tj ET Q q 0 0 0 rg BT 375.34 465.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 414.96 465.05 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 473.93 465.05 Td (for ) Tj ET Q q 0 0 0 rg BT 492.86 465.05 Td (bank ) Tj ET Q q 0 0 0 rg BT 523.81 465.05 Td (holding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 450.65 Td (companies, ) Tj ET Q q 0 0 0 rg BT 118.40 450.65 Td (including ) Tj ET Q q 0 0 0 rg BT 168.81 450.65 Td (the ) Tj ET Q q 0 0 0 rg BT 188.53 450.65 Td (Corporation. ) Tj ET Q q 0 0 0 rg BT 257.00 450.65 Td (As ) Tj ET Q q 0 0 0 rg BT 274.04 450.65 Td (discussed ) Tj ET Q q 0 0 0 rg BT 330.44 450.65 Td (below) Tj ET Q q 0 0 0 rg BT 361.13 450.65 Td (, ) Tj ET Q q 0 0 0 rg BT 367.50 450.65 Td (on ) Tj ET Q q 0 0 0 rg BT 383.89 450.65 Td (July ) Tj ET Q q 0 0 0 rg BT 408.26 450.65 Td (2, ) Tj ET Q q 0 0 0 rg BT 421.31 450.65 Td (2013, ) Tj ET Q q 0 0 0 rg BT 454.38 450.65 Td (the ) Tj ET Q q 0 0 0 rg BT 474.09 450.65 Td (Federal ) Tj ET Q q 0 0 0 rg BT 517.82 450.65 Td (Reserve ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 436.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 91.80 436.25 Td (final ) Tj ET Q q 0 0 0 rg BT 116.93 436.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 146.05 436.25 Td (implementing ) Tj ET Q q 0 0 0 rg BT 220.53 436.25 Td (a ) Tj ET Q q 0 0 0 rg BT 230.32 436.25 Td (strengthened ) Tj ET Q q 0 0 0 rg BT 303.48 436.25 Td (set ) Tj ET Q q 0 0 0 rg BT 322.60 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 335.72 436.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 373.52 436.25 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 450.00 436.25 Td (known ) Tj ET Q q 0 0 0 rg BT 487.80 436.25 Td (as ) Tj ET Q q 0 0 0 rg BT 503.59 436.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 536.72 436.25 Td (III, ) Tj ET Q q 0 0 0 rg BT 553.17 436.25 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 421.85 Td (the ) Tj ET Q q 0 0 0 rg BT 74.02 421.85 Td (United ) Tj ET Q q 0 0 0 rg BT 112.04 421.85 Td (States.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 393.05 Td (The ) Tj ET Q q 0 0 0 rg BT 78.03 393.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 111.40 393.05 Td (Capital ) Tj ET Q q 0 0 0 rg BT 152.11 393.05 Td (Framework, ) Tj ET Q q 0 0 0 rg BT 218.80 393.05 Td (as ) Tj ET Q q 0 0 0 rg BT 234.83 393.05 Td (described ) Tj ET Q q 0 0 0 rg BT 290.21 393.05 Td (below) Tj ET Q q 0 0 0 rg BT 320.91 393.05 Td (, ) Tj ET Q q 0 0 0 rg BT 327.59 393.05 Td (requires ) Tj ET Q q 0 0 0 rg BT 374.30 393.05 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 437.68 393.05 Td (based ) Tj ET Q q 0 0 0 rg BT 473.73 393.05 Td (on ) Tj ET Q q 0 0 0 rg BT 490.43 393.05 Td (the ) Tj ET Q q 0 0 0 rg BT 510.46 393.05 Td (third ) Tj ET Q q 0 0 0 rg BT 537.16 393.05 Td (pillar ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 378.65 Td (of ) Tj ET Q q 0 0 0 rg BT 68.13 378.65 Td (Basel ) Tj ET Q q 0 0 0 rg BT 102.26 378.65 Td (III ) Tj ET Q q 0 0 0 rg BT 116.38 378.65 Td (\(Pillar ) Tj ET Q q 0 0 0 rg BT 155.17 378.65 Td (3\). ) Tj ET Q q 0 0 0 rg BT 177.02 378.65 Td (The ) Tj ET Q q 0 0 0 rg BT 201.81 378.65 Td (purpose ) Tj ET Q q 0 0 0 rg BT 249.30 378.65 Td (of ) Tj ET Q q 0 0 0 rg BT 263.42 378.65 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 294.21 378.65 Td (3 ) Tj ET Q q 0 0 0 rg BT 305.01 378.65 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 369.15 378.65 Td (is ) Tj ET Q q 0 0 0 rg BT 381.93 378.65 Td (to ) Tj ET Q q 0 0 0 rg BT 396.06 378.65 Td (provide ) Tj ET Q q 0 0 0 rg BT 439.54 378.65 Td (information ) Tj ET Q q 0 0 0 rg BT 503.02 378.65 Td (on ) Tj ET Q q 0 0 0 rg BT 520.48 378.65 Td (banking ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 364.25 Td (institutions) Tj ET Q q 0 0 0 rg BT 112.92 364.25 Td ( ) Tj ET Q q 0 0 0 rg BT 116.77 364.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 173.99 364.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 212.54 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.42 364.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 258.94 364.25 Td (management ) Tj ET Q q 0 0 0 rg BT 332.84 364.25 Td (practices. ) Tj ET Q q 0 0 0 rg BT 387.80 364.25 Td (This ) Tj ET Q q 0 0 0 rg BT 414.33 364.25 Td (report ) Tj ET Q q 0 0 0 rg BT 449.54 364.25 Td (is ) Tj ET Q q 0 0 0 rg BT 462.06 364.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 514.63 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 528.49 364.25 Td (satisfy ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 349.85 Td (these ) Tj ET Q q 0 0 0 rg BT 86.31 349.85 Td (requirements ) Tj ET Q q 0 0 0 rg BT 159.30 349.85 Td (and ) Tj ET Q q 0 0 0 rg BT 182.28 349.85 Td (should ) Tj ET Q q 0 0 0 rg BT 220.60 349.85 Td (be ) Tj ET Q q 0 0 0 rg BT 236.90 349.85 Td (read ) Tj ET Q q 0 0 0 rg BT 263.87 349.85 Td (in ) Tj ET Q q 0 0 0 rg BT 276.17 349.85 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 339.84 349.85 Td (with ) Tj ET Q q 0 0 0 rg BT 364.13 349.85 Td (the ) Tj ET Q q 0 0 0 rg BT 383.77 349.85 Td (Corporation) Tj ET Q q 0 0 0 rg BT 448.92 349.85 Td (s ) Tj ET Q q 0 0 0 rg BT 457.88 349.85 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 510.18 349.85 Td (Report ) Tj ET Q q 0 0 0 rg BT 549.16 349.85 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 335.45 Td (Form ) Tj ET Q q 0 0 0 rg BT 85.69 335.45 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 116.05 335.45 Td (for ) Tj ET Q q 0 0 0 rg BT 133.74 335.45 Td (the ) Tj ET Q q 0 0 0 rg BT 154.12 335.45 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 204.49 335.45 Td (period ) Tj ET Q q 0 0 0 rg BT 241.54 335.45 Td (ended ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 278.60 335.45 Td (March31, ) Tj ET Q q 0 0 0 rg BT 335.64 335.45 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 362.34 335.45 Td ( ) Tj ET Q q 0 0 0 rg BT 366.02 335.45 Td (\(the ) Tj ET Q q 0 0 0 rg BT 390.39 335.45 Td () Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 394.39 335.45 Td (First ) Tj ET Q q 0 0 0 rg BT 421.40 335.45 Td (Quarter ) Tj ET Q q 0 0 0 rg BT 465.77 335.45 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 492.47 335.45 Td ( ) Tj ET Q q 0 0 0 rg BT 496.16 335.45 Td (Form ) Tj ET Q q 0 0 0 rg BT 527.84 335.45 Td (10-Q\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 321.05 Td (and ) Tj ET Q q 0 0 0 rg BT 77.68 321.05 Td (the ) Tj ET Q q 0 0 0 rg BT 98.01 321.05 Td (Corporation) Tj ET Q q 0 0 0 rg BT 163.16 321.05 Td (s ) Tj ET Q q 0 0 0 rg BT 172.09 321.05 Td (Annual ) Tj ET Q q 0 0 0 rg BT 213.11 321.05 Td (Report ) Tj ET Q q 0 0 0 rg BT 252.78 321.05 Td (on ) Tj ET Q q 0 0 0 rg BT 269.79 321.05 Td (Form ) Tj ET Q q 0 0 0 rg BT 301.44 321.05 Td (10-K ) Tj ET Q q 0 0 0 rg BT 330.44 321.05 Td (for ) Tj ET Q q 0 0 0 rg BT 348.10 321.05 Td (the ) Tj ET Q q 0 0 0 rg BT 368.44 321.05 Td (year ) Tj ET Q q 0 0 0 rg BT 395.43 321.05 Td (ended ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 432.46 321.05 Td (December31, ) Tj ET Q q 0 0 0 rg BT 511.48 321.05 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 538.18 321.05 Td ( ) Tj ET Q q 0 0 0 rg BT 541.83 321.05 Td (\(the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 306.65 Td () Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 58.00 306.65 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 84.69 306.65 Td ( ) Tj ET Q q 0 0 0 rg BT 87.36 306.65 Td (Annual ) Tj ET Q q 0 0 0 rg BT 128.06 306.65 Td (Report\).) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 277.85 Td (Except ) Tj ET Q q 0 0 0 rg BT 93.56 277.85 Td (where ) Tj ET Q q 0 0 0 rg BT 129.12 277.85 Td (the ) Tj ET Q q 0 0 0 rg BT 148.68 277.85 Td (context ) Tj ET Q q 0 0 0 rg BT 190.25 277.85 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 244.48 277.85 Td (requires, ) Tj ET Q q 0 0 0 rg BT 294.04 277.85 Td (when ) Tj ET Q q 0 0 0 rg BT 325.61 277.85 Td (we ) Tj ET Q q 0 0 0 rg BT 343.82 277.85 Td (use ) Tj ET Q q 0 0 0 rg BT 366.05 277.85 Td (the ) Tj ET Q q 0 0 0 rg BT 385.61 277.85 Td (terms ) Tj ET Q q 0 0 0 rg BT 418.48 277.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 471.86 277.85 Td (T) Tj ET Q q 0 0 0 rg BT 478.74 277.85 Td (rust, ) Tj ET Q q 0 0 0 rg BT 508.95 277.85 Td (we, ) Tj ET Q q 0 0 0 rg BT 538.49 277.85 Td (us, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 263.45 Td (and ) Tj ET Q q 0 0 0 rg BT 77.20 263.45 Td (our) Tj ET Q q 0 0 0 rg BT 97.87 263.45 Td (, ) Tj ET Q q 0 0 0 rg BT 108.38 263.45 Td (we ) Tj ET Q q 0 0 0 rg BT 126.89 263.45 Td (mean ) Tj ET Q q 0 0 0 rg BT 160.08 263.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 209.74 263.45 Td (T) Tj ET Q q 0 0 0 rg BT 216.62 263.45 Td (rust ) Tj ET Q q 0 0 0 rg BT 239.80 263.45 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 305.68 263.45 Td (and ) Tj ET Q q 0 0 0 rg BT 328.87 263.45 Td (its ) Tj ET Q q 0 0 0 rg BT 344.05 263.45 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 410.59 263.45 Td (on ) Tj ET Q q 0 0 0 rg BT 427.11 263.45 Td (a ) Tj ET Q q 0 0 0 rg BT 436.96 263.45 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 507.51 263.45 Td (basis. ) Tj ET Q q 0 0 0 rg BT 541.83 263.45 Td (The ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 249.05 Td (basis ) Tj ET Q q 0 0 0 rg BT 83.93 249.05 Td (of ) Tj ET Q q 0 0 0 rg BT 95.86 249.05 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 167.83 249.05 Td (used ) Tj ET Q q 0 0 0 rg BT 195.78 249.05 Td (for ) Tj ET Q q 0 0 0 rg BT 211.70 249.05 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 266.98 249.05 Td (reporting ) Tj ET Q q 0 0 0 rg BT 316.26 249.05 Td (is ) Tj ET Q q 0 0 0 rg BT 326.85 249.05 Td (consistent ) Tj ET Q q 0 0 0 rg BT 382.80 249.05 Td (with ) Tj ET Q q 0 0 0 rg BT 406.06 249.05 Td (that ) Tj ET Q q 0 0 0 rg BT 428.00 249.05 Td (used ) Tj ET Q q 0 0 0 rg BT 455.94 249.05 Td (under ) Tj ET Q q 0 0 0 rg BT 488.55 249.05 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 513.81 249.05 Td (generally ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 234.65 Td (accepted ) Tj ET Q q 0 0 0 rg BT 106.04 234.65 Td (accounting ) Tj ET Q q 0 0 0 rg BT 167.41 234.65 Td (principles ) Tj ET Q q 0 0 0 rg BT 221.44 234.65 Td (\(GAAP\). ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 215.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 215.25 Td (Refer ) Tj ET Q q 0 0 0 rg BT 121.89 215.25 Td (to ) Tj ET Q q 0 0 0 rg BT 134.45 215.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 162.35 215.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 174.91 215.25 Td (starting ) Tj ET Q q 0 0 0 rg BT 216.81 215.25 Td (on ) Tj ET Q q 0 0 0 rg BT 232.71 215.25 Td (page ) Tj ET Q q 0 0 0 rg BT 261.96 215.25 Td (93, ) Tj ET Q q 0 0 0 rg BT 281.19 215.25 Td (within ) Tj ET Q q 0 0 0 rg BT 314.42 215.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.65 215.25 Td (Corporation) Tj ET Q q 0 0 0 rg BT 398.80 215.25 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 407.35 215.25 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 434.05 215.25 Td ( ) Tj ET Q q 0 0 0 rg BT 436.09 215.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 476.01 215.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 514.58 215.25 Td (and ) Tj ET Q q 0 0 0 rg BT 537.15 215.25 Td (Note ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 200.85 Td (1, ) Tj ET Q q 0 0 0 rg BT 103.85 200.85 Td (starting ) Tj ET Q q 0 0 0 rg BT 147.05 200.85 Td (on ) Tj ET Q q 0 0 0 rg BT 164.25 200.85 Td (page ) Tj ET Q q 0 0 0 rg BT 194.79 200.85 Td (30, ) Tj ET Q q 0 0 0 rg BT 215.32 200.85 Td (within ) Tj ET Q q 0 0 0 rg BT 249.84 200.85 Td (the ) Tj ET Q q 0 0 0 rg BT 270.37 200.85 Td (Corporation) Tj ET Q q 0 0 0 rg BT 335.52 200.85 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 345.37 200.85 Td (First ) Tj ET Q q 0 0 0 rg BT 372.54 200.85 Td (Quarter ) Tj ET Q q 0 0 0 rg BT 417.07 200.85 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 443.77 200.85 Td ( ) Tj ET Q q 0 0 0 rg BT 447.61 200.85 Td (Form ) Tj ET Q q 0 0 0 rg BT 479.46 200.85 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 509.98 200.85 Td (for ) Tj ET Q q 0 0 0 rg BT 527.83 200.85 Td (further ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 186.45 Td (information ) Tj ET Q q 0 0 0 rg BT 152.70 186.45 Td (on ) Tj ET Q q 0 0 0 rg BT 169.38 186.45 Td (the ) Tj ET Q q 0 0 0 rg BT 189.39 186.45 Td (basis ) Tj ET Q q 0 0 0 rg BT 220.74 186.45 Td (of ) Tj ET Q q 0 0 0 rg BT 234.08 186.45 Td (presentation ) Tj ET Q q 0 0 0 rg BT 303.46 186.45 Td (of ) Tj ET Q q 0 0 0 rg BT 316.80 186.45 Td (the ) Tj ET Q q 0 0 0 rg BT 336.82 186.45 Td (Corporation) Tj ET Q q 0 0 0 rg BT 401.97 186.45 Td (s ) Tj ET Q q 0 0 0 rg BT 411.30 186.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 458.67 186.45 Td (statements.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 167.05 Td (Measures ) Tj ET Q q 0 0 0 rg BT 110.76 167.05 Td (of ) Tj ET Q q 0 0 0 rg BT 124.85 167.05 Td (exposures ) Tj ET Q q 0 0 0 rg BT 184.29 167.05 Td (and ) Tj ET Q q 0 0 0 rg BT 208.39 167.05 Td (other ) Tj ET Q q 0 0 0 rg BT 239.81 167.05 Td (metrics ) Tj ET Q q 0 0 0 rg BT 282.56 167.05 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 336.66 167.05 Td (in ) Tj ET Q q 0 0 0 rg BT 350.08 167.05 Td (this ) Tj ET Q q 0 0 0 rg BT 372.83 167.05 Td (report ) Tj ET Q q 0 0 0 rg BT 408.25 167.05 Td (may ) Tj ET Q q 0 0 0 rg BT 435.00 167.05 Td (not ) Tj ET Q q 0 0 0 rg BT 455.75 167.05 Td (be ) Tj ET Q q 0 0 0 rg BT 473.18 167.05 Td (based ) Tj ET Q q 0 0 0 rg BT 509.95 167.05 Td (on ) Tj ET Q q 0 0 0 rg BT 527.37 167.05 Td (GAAP) Tj ET Q q 0 0 0 rg BT 559.17 167.05 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 152.65 Td (may ) Tj ET Q q 0 0 0 rg BT 79.80 152.65 Td (not ) Tj ET Q q 0 0 0 rg BT 99.60 152.65 Td (be ) Tj ET Q q 0 0 0 rg BT 116.08 152.65 Td (directly ) Tj ET Q q 0 0 0 rg BT 157.21 152.65 Td (comparable ) Tj ET Q q 0 0 0 rg BT 223.04 152.65 Td (to ) Tj ET Q q 0 0 0 rg BT 236.17 152.65 Td (measures ) Tj ET Q q 0 0 0 rg BT 291.98 152.65 Td (reported ) Tj ET Q q 0 0 0 rg BT 339.80 152.65 Td (in ) Tj ET Q q 0 0 0 rg BT 352.27 152.65 Td (our ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 372.74 152.65 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 399.43 152.65 Td ( ) Tj ET Q q 0 0 0 rg BT 401.94 152.65 Td (Annual ) Tj ET Q q 0 0 0 rg BT 442.43 152.65 Td (Report ) Tj ET Q q 0 0 0 rg BT 481.57 152.65 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 495.37 152.65 Td (First ) Tj ET Q q 0 0 0 rg BT 521.82 152.65 Td (Quarter ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 138.25 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 80.70 138.25 Td ( ) Tj ET Q q 0 0 0 rg BT 82.95 138.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 113.19 138.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 142.12 138.25 Td (and ) Tj ET Q q 0 0 0 rg BT 164.39 138.25 Td (may ) Tj ET Q q 0 0 0 rg BT 189.31 138.25 Td (not ) Tj ET Q q 0 0 0 rg BT 208.24 138.25 Td (be ) Tj ET Q q 0 0 0 rg BT 223.84 138.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 288.79 138.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.05 138.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 337.96 138.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 392.90 138.25 Td (used ) Tj ET Q q 0 0 0 rg BT 421.17 138.25 Td (by ) Tj ET Q q 0 0 0 rg BT 436.10 138.25 Td (other ) Tj ET Q q 0 0 0 rg BT 465.70 138.25 Td (companies. ) Tj ET Q q 0 0 0 rg BT 529.17 138.25 Td (These ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 123.85 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 117.32 123.85 Td (are ) Tj ET Q q 0 0 0 rg BT 137.97 123.85 Td (not ) Tj ET Q q 0 0 0 rg BT 157.95 123.85 Td (required ) Tj ET Q q 0 0 0 rg BT 205.28 123.85 Td (to ) Tj ET Q q 0 0 0 rg BT 218.58 123.85 Td (be, ) Tj ET Q q 0 0 0 rg BT 238.56 123.85 Td (and ) Tj ET Q q 0 0 0 rg BT 261.89 123.85 Td (have ) Tj ET Q q 0 0 0 rg BT 291.21 123.85 Td (not ) Tj ET Q q 0 0 0 rg BT 311.19 123.85 Td (been, ) Tj ET Q q 0 0 0 rg BT 344.52 123.85 Td (audited ) Tj ET Q q 0 0 0 rg BT 387.19 123.85 Td (by ) Tj ET Q q 0 0 0 rg BT 403.16 123.85 Td (our ) Tj ET Q q 0 0 0 rg BT 423.80 123.85 Td (independent ) Tj ET Q q 0 0 0 rg BT 493.17 123.85 Td (auditors. ) Tj ET Q q 0 0 0 rg BT 542.49 123.85 Td (Our ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 109.45 Td (historical ) Tj ET Q q 0 0 0 rg BT 107.38 109.45 Td (filings ) Tj ET Q q 0 0 0 rg BT 144.08 109.45 Td (with ) Tj ET Q q 0 0 0 rg BT 171.45 109.45 Td (the ) Tj ET Q q 0 0 0 rg BT 194.15 109.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 223.52 109.45 Td (Securities ) Tj ET Q q 0 0 0 rg BT 282.23 109.45 Td (and ) Tj ET Q q 0 0 0 rg BT 308.28 109.45 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 367.67 109.45 Td (Commission ) Tj ET Q q 0 0 0 rg BT 439.71 109.45 Td (\(the ) Tj ET Q q 0 0 0 rg BT 466.41 109.45 Td (SEC\) ) Tj ET Q q 0 0 0 rg BT 509.10 109.45 Td (and ) Tj ET Q q 0 0 0 rg BT 535.15 109.45 Td (other ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 95.05 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 111.33 95.05 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 169.32 95.05 Td (documents ) Tj ET Q q 0 0 0 rg BT 231.99 95.05 Td (are ) Tj ET Q q 0 0 0 rg BT 253.30 95.05 Td (located ) Tj ET Q q 0 0 0 rg BT 295.96 95.05 Td (in ) Tj ET Q q 0 0 0 rg BT 309.27 95.05 Td (the ) Tj ET Q q 0 0 0 rg BT 329.92 95.05 Td (Investor ) Tj ET Q q 0 0 0 rg BT 376.57 95.05 Td (Relations ) Tj ET Q q 0 0 0 rg BT 430.56 95.05 Td (section ) Tj ET Q q 0 0 0 rg BT 472.55 95.05 Td (of ) Tj ET Q q 0 0 0 rg BT 486.53 95.05 Td (our ) Tj ET Q q 0 0 0 rg BT 507.84 95.05 Td (website ) Tj ET Q q 0 0 0 rg BT 552.49 95.05 Td (at ) Tj ET Q BT /F6 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 54 79.05039062499998 m 167.12109375 79.05039062499998 l s q 0 0 0 rg BT 54.00 80.65 Td (www) Tj ET Q q 0 0 0 rg BT 77.12 80.65 Td (.northerntrust.com) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 167.12 80.65 Td (.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (2 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Forward-Looking Statements) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (This ) Tj ET Q q 0 0 0 rg BT 80.23 681.05 Td (document ) Tj ET Q q 0 0 0 rg BT 136.49 681.05 Td (may ) Tj ET Q q 0 0 0 rg BT 162.73 681.05 Td (include ) Tj ET Q q 0 0 0 rg BT 204.31 681.05 Td (statements ) Tj ET Q q 0 0 0 rg BT 266.57 681.05 Td (which ) Tj ET Q q 0 0 0 rg BT 300.81 681.05 Td (constitute ) Tj ET Q q 0 0 0 rg BT 355.74 681.05 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 445.33 681.05 Td (statements ) Tj ET Q q 0 0 0 rg BT 511.58 681.05 Td (within ) Tj ET Q q 0 0 0 rg BT 545.83 681.05 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 666.65 Td (meaning ) Tj ET Q q 0 0 0 rg BT 104.59 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 119.16 666.65 Td (the ) Tj ET Q q 0 0 0 rg BT 140.40 666.65 Td (safe ) Tj ET Q q 0 0 0 rg BT 167.63 666.65 Td (harbor ) Tj ET Q q 0 0 0 rg BT 206.88 666.65 Td (provisions ) Tj ET Q q 0 0 0 rg BT 265.46 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 280.03 666.65 Td (the ) Tj ET Q q 0 0 0 rg BT 301.27 666.65 Td (Private ) Tj ET Q q 0 0 0 rg BT 343.17 666.65 Td (Securities ) Tj ET Q q 0 0 0 rg BT 400.42 666.65 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 453.01 666.65 Td (Reform ) Tj ET Q q 0 0 0 rg BT 496.00 666.65 Td (Act ) Tj ET Q q 0 0 0 rg BT 517.90 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 532.47 666.65 Td (1995. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (Forward-looking ) Tj ET Q q 0 0 0 rg BT 142.00 652.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 202.66 652.25 Td (are ) Tj ET Q q 0 0 0 rg BT 221.98 652.25 Td (identified ) Tj ET Q q 0 0 0 rg BT 271.98 652.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 316.63 652.25 Td (by ) Tj ET Q q 0 0 0 rg BT 331.27 652.25 Td (words ) Tj ET Q q 0 0 0 rg BT 365.25 652.25 Td (or ) Tj ET Q q 0 0 0 rg BT 377.88 652.25 Td (phrases ) Tj ET Q q 0 0 0 rg BT 422.54 652.25 Td (such ) Tj ET Q q 0 0 0 rg BT 449.86 652.25 Td (as ) Tj ET Q q 0 0 0 rg BT 464.50 652.25 Td (believe, ) Tj ET Q q 0 0 0 rg BT 515.82 652.25 Td (expect, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (anticipate, ) Tj ET Q q 0 0 0 rg BT 120.98 637.85 Td (intend, ) Tj ET Q q 0 0 0 rg BT 169.28 637.85 Td (estimate, ) Tj ET Q q 0 0 0 rg BT 230.24 637.85 Td (project, ) Tj ET Q q 0 0 0 rg BT 281.86 637.85 Td (likely) Tj ET Q q 0 0 0 rg BT 311.64 637.85 Td (, ) Tj ET Q q 0 0 0 rg BT 323.25 637.85 Td (plan, ) Tj ET Q q 0 0 0 rg BT 361.55 637.85 Td (goal, ) Tj ET Q q 0 0 0 rg BT 399.84 637.85 Td (target, ) Tj ET Q q 0 0 0 rg BT 446.13 637.85 Td (strategy) Tj ET Q q 0 0 0 rg BT 491.93 637.85 Td (, ) Tj ET Q q 0 0 0 rg BT 503.54 637.85 Td (and ) Tj ET Q q 0 0 0 rg BT 527.84 637.85 Td (similar ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 623.45 Td (expressions ) Tj ET Q q 0 0 0 rg BT 122.43 623.45 Td (or ) Tj ET Q q 0 0 0 rg BT 137.50 623.45 Td (future ) Tj ET Q q 0 0 0 rg BT 172.59 623.45 Td (or ) Tj ET Q q 0 0 0 rg BT 187.66 623.45 Td (conditional ) Tj ET Q q 0 0 0 rg BT 249.43 623.45 Td (verbs ) Tj ET Q q 0 0 0 rg BT 283.18 623.45 Td (such ) Tj ET Q q 0 0 0 rg BT 312.93 623.45 Td (as ) Tj ET Q q 0 0 0 rg BT 330.00 623.45 Td (may) Tj ET Q q 0 0 0 rg BT 355.78 623.45 Td (, ) Tj ET Q q 0 0 0 rg BT 367.51 623.45 Td (will, ) Tj ET Q q 0 0 0 rg BT 399.90 623.45 Td (should, ) Tj ET Q q 0 0 0 rg BT 450.98 623.45 Td (would, ) Tj ET Q q 0 0 0 rg BT 498.06 623.45 Td (and ) Tj ET Q q 0 0 0 rg BT 522.49 623.45 Td (could. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 609.05 Td (Forward-looking ) Tj ET Q q 0 0 0 rg BT 143.75 609.05 Td (statements ) Tj ET Q q 0 0 0 rg BT 206.17 609.05 Td (include ) Tj ET Q q 0 0 0 rg BT 247.91 609.05 Td (statements, ) Tj ET Q q 0 0 0 rg BT 313.66 609.05 Td (other ) Tj ET Q q 0 0 0 rg BT 344.73 609.05 Td (than ) Tj ET Q q 0 0 0 rg BT 371.81 609.05 Td (those ) Tj ET Q q 0 0 0 rg BT 404.88 609.05 Td (related ) Tj ET Q q 0 0 0 rg BT 445.29 609.05 Td (to ) Tj ET Q q 0 0 0 rg BT 459.02 609.05 Td (historical ) Tj ET Q q 0 0 0 rg BT 510.09 609.05 Td (facts, ) Tj ET Q q 0 0 0 rg BT 542.49 609.05 Td (that ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 594.65 Td (relate ) Tj ET Q q 0 0 0 rg BT 86.30 594.65 Td (to ) Tj ET Q q 0 0 0 rg BT 98.59 594.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 147.42 594.65 Td (T) Tj ET Q q 0 0 0 rg BT 154.30 594.65 Td (rust) Tj ET Q q 0 0 0 rg BT 176.75 594.65 Td (s ) Tj ET Q q 0 0 0 rg BT 185.04 594.65 Td (financial ) Tj ET Q q 0 0 0 rg BT 231.35 594.65 Td (results ) Tj ET Q q 0 0 0 rg BT 268.98 594.65 Td (and ) Tj ET Q q 0 0 0 rg BT 291.28 594.65 Td (outlook; ) Tj ET Q q 0 0 0 rg BT 335.60 594.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 372.57 594.65 Td (adequacy; ) Tj ET Q q 0 0 0 rg BT 430.23 594.65 Td (dividend ) Tj ET Q q 0 0 0 rg BT 477.22 594.65 Td (policy ) Tj ET Q q 0 0 0 rg BT 510.18 594.65 Td (and ) Tj ET Q q 0 0 0 rg BT 532.48 594.65 Td (share ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 121.17 580.25 Td (program; ) Tj ET Q q 0 0 0 rg BT 176.33 580.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 212.81 580.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 254.64 580.25 Td (including ) Tj ET Q q 0 0 0 rg BT 309.14 580.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 369.65 580.25 Td (levels; ) Tj ET Q q 0 0 0 rg BT 410.80 580.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 475.98 580.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 528.49 580.25 Td (levels; ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 565.85 Td (contingent ) Tj ET Q q 0 0 0 rg BT 114.88 565.85 Td (liabilities; ) Tj ET Q q 0 0 0 rg BT 169.08 565.85 Td (acquisitions; ) Tj ET Q q 0 0 0 rg BT 240.62 565.85 Td (strategies; ) Tj ET Q q 0 0 0 rg BT 301.48 565.85 Td (industry ) Tj ET Q q 0 0 0 rg BT 349.01 565.85 Td (trends; ) Tj ET Q q 0 0 0 rg BT 391.20 565.85 Td (and ) Tj ET Q q 0 0 0 rg BT 416.73 565.85 Td (expectations ) Tj ET Q q 0 0 0 rg BT 489.61 565.85 Td (regarding ) Tj ET Q q 0 0 0 rg BT 545.82 565.85 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 551.45 Td (impact ) Tj ET Q q 0 0 0 rg BT 92.73 551.45 Td (of ) Tj ET Q q 0 0 0 rg BT 106.13 551.45 Td (recent ) Tj ET Q q 0 0 0 rg BT 142.88 551.45 Td (legislation.) Tj ET Q q 0 0 0 rg BT 202.69 551.45 Td (These ) Tj ET Q q 0 0 0 rg BT 239.44 551.45 Td (statements ) Tj ET Q q 0 0 0 rg BT 301.52 551.45 Td (are ) Tj ET Q q 0 0 0 rg BT 322.26 551.45 Td (based ) Tj ET Q q 0 0 0 rg BT 358.34 551.45 Td (on ) Tj ET Q q 0 0 0 rg BT 375.08 551.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 424.94 551.45 Td (T) Tj ET Q q 0 0 0 rg BT 431.82 551.45 Td (rust) Tj ET Q q 0 0 0 rg BT 454.28 551.45 Td (s ) Tj ET Q q 0 0 0 rg BT 463.67 551.45 Td (current ) Tj ET Q q 0 0 0 rg BT 504.41 551.45 Td (beliefs ) Tj ET Q q 0 0 0 rg BT 542.49 551.45 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 537.05 Td (expectations ) Tj ET Q q 0 0 0 rg BT 124.27 537.05 Td (of ) Tj ET Q q 0 0 0 rg BT 137.16 537.05 Td (future ) Tj ET Q q 0 0 0 rg BT 170.74 537.05 Td (events ) Tj ET Q q 0 0 0 rg BT 208.98 537.05 Td (or ) Tj ET Q q 0 0 0 rg BT 222.54 537.05 Td (future ) Tj ET Q q 0 0 0 rg BT 256.12 537.05 Td (results, ) Tj ET Q q 0 0 0 rg BT 297.69 537.05 Td (and ) Tj ET Q q 0 0 0 rg BT 320.60 537.05 Td (involve ) Tj ET Q q 0 0 0 rg BT 360.84 537.05 Td (risks ) Tj ET Q q 0 0 0 rg BT 388.39 537.05 Td (and ) Tj ET Q q 0 0 0 rg BT 411.30 537.05 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 482.23 537.05 Td (that ) Tj ET Q q 0 0 0 rg BT 505.14 537.05 Td (are ) Tj ET Q q 0 0 0 rg BT 525.37 537.05 Td (dif) Tj ET Q q 0 0 0 rg BT 537.83 537.05 Td (ficult ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 522.65 Td (to ) Tj ET Q q 0 0 0 rg BT 67.42 522.65 Td (predict ) Tj ET Q q 0 0 0 rg BT 106.86 522.65 Td (and ) Tj ET Q q 0 0 0 rg BT 130.30 522.65 Td (subject ) Tj ET Q q 0 0 0 rg BT 171.74 522.65 Td (to ) Tj ET Q q 0 0 0 rg BT 185.16 522.65 Td (change.) Tj ET Q q 0 0 0 rg BT 230.98 522.65 Td (These ) Tj ET Q q 0 0 0 rg BT 267.75 522.65 Td (statements ) Tj ET Q q 0 0 0 rg BT 329.86 522.65 Td (are ) Tj ET Q q 0 0 0 rg BT 350.62 522.65 Td (also ) Tj ET Q q 0 0 0 rg BT 376.05 522.65 Td (based ) Tj ET Q q 0 0 0 rg BT 412.16 522.65 Td (on ) Tj ET Q q 0 0 0 rg BT 428.93 522.65 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 499.71 522.65 Td (about ) Tj ET Q q 0 0 0 rg BT 533.16 522.65 Td (many ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 508.25 Td (important ) Tj ET Q q 0 0 0 rg BT 108.01 508.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 151.35 508.25 Td (including ) Tj ET Q q 0 0 0 rg BT 202.71 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.38 508.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 263.38 508.25 Td (discussed ) Tj ET Q q 0 0 0 rg BT 320.73 508.25 Td (in ) Tj ET Q q 0 0 0 rg BT 334.06 508.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 384.48 508.25 Td (T) Tj ET Q q 0 0 0 rg BT 391.36 508.25 Td (rust) Tj ET Q q 0 0 0 rg BT 413.82 508.25 Td (s ) Tj ET Q q 0 0 0 rg BT 423.81 508.25 Td (most ) Tj ET Q q 0 0 0 rg BT 453.80 508.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 491.14 508.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 531.17 508.25 Td (report ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 493.85 Td (on ) Tj ET Q q 0 0 0 rg BT 70.97 493.85 Td (Form ) Tj ET Q q 0 0 0 rg BT 102.58 493.85 Td (10-K ) Tj ET Q q 0 0 0 rg BT 131.55 493.85 Td (and ) Tj ET Q q 0 0 0 rg BT 155.19 493.85 Td (other ) Tj ET Q q 0 0 0 rg BT 186.16 493.85 Td (filings ) Tj ET Q q 0 0 0 rg BT 220.46 493.85 Td (with ) Tj ET Q q 0 0 0 rg BT 245.41 493.85 Td (the ) Tj ET Q q 0 0 0 rg BT 265.71 493.85 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 292.67 493.85 Td (Securities ) Tj ET Q q 0 0 0 rg BT 348.98 493.85 Td (and ) Tj ET Q q 0 0 0 rg BT 372.62 493.85 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 429.61 493.85 Td (Commission, ) Tj ET Q q 0 0 0 rg BT 502.57 493.85 Td (all ) Tj ET Q q 0 0 0 rg BT 518.20 493.85 Td (of ) Tj ET Q q 0 0 0 rg BT 531.82 493.85 Td (which ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 479.45 Td (are ) Tj ET Q q 0 0 0 rg BT 75.78 479.45 Td (available ) Tj ET Q q 0 0 0 rg BT 127.58 479.45 Td (on ) Tj ET Q q 0 0 0 rg BT 145.36 479.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 196.19 479.45 Td (T) Tj ET Q q 0 0 0 rg BT 203.07 479.45 Td (rust) Tj ET Q q 0 0 0 rg BT 225.53 479.45 Td (s ) Tj ET Q q 0 0 0 rg BT 235.96 479.45 Td (website.W) Tj ET Q q 0 0 0 rg BT 294.42 479.45 Td (e ) Tj ET Q q 0 0 0 rg BT 305.53 479.45 Td (caution ) Tj ET Q q 0 0 0 rg BT 348.66 479.45 Td (you ) Tj ET Q q 0 0 0 rg BT 372.44 479.45 Td (not ) Tj ET Q q 0 0 0 rg BT 393.55 479.45 Td (to ) Tj ET Q q 0 0 0 rg BT 407.99 479.45 Td (place ) Tj ET Q q 0 0 0 rg BT 441.11 479.45 Td (undue ) Tj ET Q q 0 0 0 rg BT 478.92 479.45 Td (reliance ) Tj ET Q q 0 0 0 rg BT 525.37 479.45 Td (on ) Tj ET Q q 0 0 0 rg BT 543.15 479.45 Td (any ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 465.05 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 139.02 465.05 Td (statement ) Tj ET Q q 0 0 0 rg BT 194.71 465.05 Td (as ) Tj ET Q q 0 0 0 rg BT 210.37 465.05 Td (actual ) Tj ET Q q 0 0 0 rg BT 245.38 465.05 Td (results ) Tj ET Q q 0 0 0 rg BT 283.71 465.05 Td (may ) Tj ET Q q 0 0 0 rg BT 309.36 465.05 Td (dif) Tj ET Q q 0 0 0 rg BT 321.82 465.05 Td (fer ) Tj ET Q q 0 0 0 rg BT 338.81 465.05 Td (materially ) Tj ET Q q 0 0 0 rg BT 393.14 465.05 Td (from ) Tj ET Q q 0 0 0 rg BT 420.13 465.05 Td (those ) Tj ET Q q 0 0 0 rg BT 452.47 465.05 Td (expressed ) Tj ET Q q 0 0 0 rg BT 510.83 465.05 Td (or ) Tj ET Q q 0 0 0 rg BT 524.48 465.05 Td (implied ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 450.65 Td (by ) Tj ET Q q 0 0 0 rg BT 68.82 450.65 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 153.01 450.65 Td (statements.Northern ) Tj ET Q q 0 0 0 rg BT 267.07 450.65 Td (T) Tj ET Q q 0 0 0 rg BT 273.96 450.65 Td (rust ) Tj ET Q q 0 0 0 rg BT 296.11 450.65 Td (assumes ) Tj ET Q q 0 0 0 rg BT 346.28 450.65 Td (no ) Tj ET Q q 0 0 0 rg BT 361.78 450.65 Td (obligation ) Tj ET Q q 0 0 0 rg BT 415.30 450.65 Td (to ) Tj ET Q q 0 0 0 rg BT 427.46 450.65 Td (update ) Tj ET Q q 0 0 0 rg BT 466.31 450.65 Td (its ) Tj ET Q q 0 0 0 rg BT 480.46 450.65 Td (forward-looking ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 436.25 Td (statements.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (3 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Basel Capital Framework) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (On ) Tj ET Q q 0 0 0 rg BT 73.50 681.05 Td (September ) Tj ET Q q 0 0 0 rg BT 135.69 681.05 Td (12, ) Tj ET Q q 0 0 0 rg BT 155.86 681.05 Td (2010, ) Tj ET Q q 0 0 0 rg BT 189.38 681.05 Td (the ) Tj ET Q q 0 0 0 rg BT 209.56 681.05 Td (Group ) Tj ET Q q 0 0 0 rg BT 246.40 681.05 Td (of ) Tj ET Q q 0 0 0 rg BT 259.90 681.05 Td (Governors ) Tj ET Q q 0 0 0 rg BT 319.41 681.05 Td (and ) Tj ET Q q 0 0 0 rg BT 342.93 681.05 Td (Heads ) Tj ET Q q 0 0 0 rg BT 381.11 681.05 Td (of ) Tj ET Q q 0 0 0 rg BT 394.61 681.05 Td (Supervision, ) Tj ET Q q 0 0 0 rg BT 464.13 681.05 Td (the ) Tj ET Q q 0 0 0 rg BT 484.31 681.05 Td (oversight ) Tj ET Q q 0 0 0 rg BT 536.49 681.05 Td (body ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 69.30 666.65 Td (the ) Tj ET Q q 0 0 0 rg BT 91.27 666.65 Td (International ) Tj ET Q q 0 0 0 rg BT 162.61 666.65 Td (Basel ) Tj ET Q q 0 0 0 rg BT 197.92 666.65 Td (Committee ) Tj ET Q q 0 0 0 rg BT 261.22 666.65 Td (on ) Tj ET Q q 0 0 0 rg BT 279.86 666.65 Td (Banking ) Tj ET Q q 0 0 0 rg BT 328.51 666.65 Td (Supervision, ) Tj ET Q q 0 0 0 rg BT 399.84 666.65 Td (announced ) Tj ET Q q 0 0 0 rg BT 464.52 666.65 Td (agreement ) Tj ET Q q 0 0 0 rg BT 527.18 666.65 Td (on ) Tj ET Q q 0 0 0 rg BT 545.82 666.65 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (calibration ) Tj ET Q q 0 0 0 rg BT 111.62 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 134.56 652.25 Td (phase-in ) Tj ET Q q 0 0 0 rg BT 183.51 652.25 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 260.47 652.25 Td (for ) Tj ET Q q 0 0 0 rg BT 277.40 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.00 652.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 329.94 652.25 Td (III ) Tj ET Q q 0 0 0 rg BT 342.86 652.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 380.47 652.25 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 456.75 652.25 Td (On ) Tj ET Q q 0 0 0 rg BT 475.68 652.25 Td (July ) Tj ET Q q 0 0 0 rg BT 499.94 652.25 Td (2, ) Tj ET Q q 0 0 0 rg BT 512.87 652.25 Td (2013, ) Tj ET Q q 0 0 0 rg BT 545.82 652.25 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (Federal ) Tj ET Q q 0 0 0 rg BT 96.71 637.85 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 143.41 637.85 Td (issued ) Tj ET Q q 0 0 0 rg BT 180.12 637.85 Td (final ) Tj ET Q q 0 0 0 rg BT 204.15 637.85 Td (rules ) Tj ET Q q 0 0 0 rg BT 232.18 637.85 Td (implementing ) Tj ET Q q 0 0 0 rg BT 305.57 637.85 Td (Basel ) Tj ET Q q 0 0 0 rg BT 337.61 637.85 Td (III ) Tj ET Q q 0 0 0 rg BT 349.63 637.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 386.34 637.85 Td (requirements ) Tj ET Q q 0 0 0 rg BT 458.39 637.85 Td (in ) Tj ET Q q 0 0 0 rg BT 469.75 637.85 Td (the ) Tj ET Q q 0 0 0 rg BT 488.45 637.85 Td (United ) Tj ET Q q 0 0 0 rg BT 525.16 637.85 Td (States. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 623.45 Td (The ) Tj ET Q q 0 0 0 rg BT 79.62 623.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 107.91 623.45 Td (implementation ) Tj ET Q q 0 0 0 rg BT 194.23 623.45 Td (of ) Tj ET Q q 0 0 0 rg BT 209.18 623.45 Td (Basel ) Tj ET Q q 0 0 0 rg BT 244.15 623.45 Td (III, ) Tj ET Q q 0 0 0 rg BT 262.43 623.45 Td (among ) Tj ET Q q 0 0 0 rg BT 304.06 623.45 Td (other ) Tj ET Q q 0 0 0 rg BT 336.36 623.45 Td (things: ) Tj ET Q q 0 0 0 rg BT 376.66 623.45 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 396.27 623.45 Td (increases ) Tj ET Q q 0 0 0 rg BT 452.58 623.45 Td (the ) Tj ET Q q 0 0 0 rg BT 474.21 623.45 Td (minimum ) Tj ET Q q 0 0 0 rg BT 527.82 623.45 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 609.05 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 112.87 609.05 Td (for ) Tj ET Q q 0 0 0 rg BT 130.38 609.05 Td (banking ) Tj ET Q q 0 0 0 rg BT 175.91 609.05 Td (organizations ) Tj ET Q q 0 0 0 rg BT 250.80 609.05 Td (and ) Tj ET Q q 0 0 0 rg BT 274.32 609.05 Td (tightens ) Tj ET Q q 0 0 0 rg BT 319.85 609.05 Td (the ) Tj ET Q q 0 0 0 rg BT 340.04 609.05 Td (standards ) Tj ET Q q 0 0 0 rg BT 396.24 609.05 Td (for ) Tj ET Q q 0 0 0 rg BT 413.75 609.05 Td (what ) Tj ET Q q 0 0 0 rg BT 442.60 609.05 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 490.13 609.05 Td (as ) Tj ET Q q 0 0 0 rg BT 506.31 609.05 Td (capital; ) Tj ET Q q 0 0 0 rg BT 547.83 609.05 Td (\(2\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 594.65 Td (introduces ) Tj ET Q q 0 0 0 rg BT 112.19 594.65 Td (a ) Tj ET Q q 0 0 0 rg BT 121.69 594.65 Td (new ) Tj ET Q q 0 0 0 rg BT 146.53 594.65 Td (Common ) Tj ET Q q 0 0 0 rg BT 198.04 594.65 Td (Equity ) Tj ET Q q 0 0 0 rg BT 234.03 594.65 Td (T) Tj ET Q q 0 0 0 rg BT 240.92 594.65 Td (ier ) Tj ET Q q 0 0 0 rg BT 257.08 594.65 Td (1 ) Tj ET Q q 0 0 0 rg BT 266.58 594.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 304.09 594.65 Td (measure; ) Tj ET Q q 0 0 0 rg BT 356.94 594.65 Td (and ) Tj ET Q q 0 0 0 rg BT 379.79 594.65 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 397.28 594.65 Td (presents ) Tj ET Q q 0 0 0 rg BT 446.13 594.65 Td (two ) Tj ET Q q 0 0 0 rg BT 467.63 594.65 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 548.51 594.65 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (calculating ) Tj ET Q q 0 0 0 rg BT 113.81 580.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 187.61 580.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 228.74 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 238.52 580.25 Td (standardized ) Tj ET Q q 0 0 0 rg BT 310.34 580.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 363.49 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 386.62 580.25 Td (an ) Tj ET Q q 0 0 0 rg BT 403.08 580.25 Td (advanced ) Tj ET Q q 0 0 0 rg BT 458.23 580.25 Td (approach. ) Tj ET Q q 0 0 0 rg BT 514.71 580.25 Td (For ) Tj ET Q q 0 0 0 rg BT 535.82 580.25 Td (large ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 565.85 Td (and ) Tj ET Q q 0 0 0 rg BT 80.64 565.85 Td (internationally ) Tj ET Q q 0 0 0 rg BT 161.31 565.85 Td (active ) Tj ET Q q 0 0 0 rg BT 199.28 565.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 237.93 565.85 Td (and ) Tj ET Q q 0 0 0 rg BT 264.57 565.85 Td (bank-holding ) Tj ET Q q 0 0 0 rg BT 339.91 565.85 Td (companies, ) Tj ET Q q 0 0 0 rg BT 407.90 565.85 Td (including ) Tj ET Q q 0 0 0 rg BT 461.89 565.85 Td (the ) Tj ET Q q 0 0 0 rg BT 485.20 565.85 Td (Bank ) Tj ET Q q 0 0 0 rg BT 519.17 565.85 Td (and ) Tj ET Q q 0 0 0 rg BT 545.82 565.85 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 551.45 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 122.89 551.45 Td (Basel ) Tj ET Q q 0 0 0 rg BT 155.76 551.45 Td (III ) Tj ET Q q 0 0 0 rg BT 168.62 551.45 Td (became ) Tj ET Q q 0 0 0 rg BT 214.16 551.45 Td (ef) Tj ET Q q 0 0 0 rg BT 223.95 551.45 Td (fective ) Tj ET Q q 0 0 0 rg BT 261.49 551.45 Td (on ) Tj ET Q q 0 0 0 rg BT 277.69 551.45 Td (January ) Tj ET Q q 0 0 0 rg BT 323.23 551.45 Td (1, ) Tj ET Q q 0 0 0 rg BT 336.09 551.45 Td (2014, ) Tj ET Q q 0 0 0 rg BT 368.98 551.45 Td (although ) Tj ET Q q 0 0 0 rg BT 417.87 551.45 Td (certain ) Tj ET Q q 0 0 0 rg BT 456.74 551.45 Td (requirements ) Tj ET Q q 0 0 0 rg BT 529.63 551.45 Td (will ) Tj ET Q q 0 0 0 rg BT 549.15 551.45 Td (be ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 537.05 Td (phased ) Tj ET Q q 0 0 0 rg BT 96.70 537.05 Td (in ) Tj ET Q q 0 0 0 rg BT 109.38 537.05 Td (over ) Tj ET Q q 0 0 0 rg BT 136.05 537.05 Td (several ) Tj ET Q q 0 0 0 rg BT 178.07 537.05 Td (years.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 517.65 Td (The ) Tj ET Q q 0 0 0 rg BT 77.31 517.65 Td (Basel ) Tj ET Q q 0 0 0 rg BT 109.97 517.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 147.29 517.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 205.94 517.65 Td (seeks ) Tj ET Q q 0 0 0 rg BT 239.92 517.65 Td (the ) Tj ET Q q 0 0 0 rg BT 259.24 517.65 Td (alignment ) Tj ET Q q 0 0 0 rg BT 313.90 517.65 Td (of ) Tj ET Q q 0 0 0 rg BT 326.55 517.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.87 517.65 Td (requirements ) Tj ET Q q 0 0 0 rg BT 436.54 517.65 Td (with ) Tj ET Q q 0 0 0 rg BT 460.51 517.65 Td (the ) Tj ET Q q 0 0 0 rg BT 479.83 517.65 Td (underlying ) Tj ET Q q 0 0 0 rg BT 537.84 517.65 Td (risks ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 503.25 Td (a ) Tj ET Q q 0 0 0 rg BT 63.50 503.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 92.35 503.25 Td (faces ) Tj ET Q q 0 0 0 rg BT 123.86 503.25 Td (and ) Tj ET Q q 0 0 0 rg BT 146.70 503.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 192.88 503.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.71 503.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.22 503.25 Td (following ) Tj ET Q q 0 0 0 rg BT 274.74 503.25 Td (three ) Tj ET Q q 0 0 0 rg BT 304.92 503.25 Td (complementary ) Tj ET Q q 0 0 0 rg BT 389.77 503.25 Td (pillars ) Tj ET Q q 0 0 0 rg BT 431.93 503.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 483.47 503.25 Td (to ) Tj ET Q q 0 0 0 rg BT 496.30 503.25 Td (reinforce ) Tj ET Q q 0 0 0 rg BT 545.82 503.25 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 488.85 Td (safety ) Tj ET Q q 0 0 0 rg BT 89.35 488.85 Td (and ) Tj ET Q q 0 0 0 rg BT 112.71 488.85 Td (soundness ) Tj ET Q q 0 0 0 rg BT 174.08 488.85 Td (of ) Tj ET Q q 0 0 0 rg BT 187.42 488.85 Td (the ) Tj ET Q q 0 0 0 rg BT 207.44 488.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 254.80 488.85 Td (system.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 90.00 460.05 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 120.01 460.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 130.01 460.05 Td ( ) Tj ET Q q 0 0 0 rg BT 145.35 460.05 Td (Minimum ) Tj ET Q q 0 0 0 rg BT 197.35 460.05 Td (Capital ) Tj ET Q q 0 0 0 rg BT 238.04 460.05 Td (Requirements) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 431.25 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 118.82 431.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 127.65 431.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 175.15 431.25 Td (a ) Tj ET Q q 0 0 0 rg BT 183.98 431.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 242.14 431.25 Td (for ) Tj ET Q q 0 0 0 rg BT 258.29 431.25 Td (calculating ) Tj ET Q q 0 0 0 rg BT 317.14 431.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 367.96 431.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 423.47 431.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 460.31 431.25 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 535.83 431.25 Td (Pillar ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 416.85 Td (1 ) Tj ET Q q 0 0 0 rg BT 100.01 416.85 Td (consists ) Tj ET Q q 0 0 0 rg BT 146.69 416.85 Td (of ) Tj ET Q q 0 0 0 rg BT 160.03 416.85 Td (three ) Tj ET Q q 0 0 0 rg BT 190.72 416.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 212.71 416.85 Td (types: ) Tj ET Q q 0 0 0 rg BT 248.06 416.85 Td (credit ) Tj ET Q q 0 0 0 rg BT 280.74 416.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 306.07 416.85 Td (operational ) Tj ET Q q 0 0 0 rg BT 368.78 416.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 390.78 416.85 Td (and ) Tj ET Q q 0 0 0 rg BT 414.13 416.85 Td (market ) Tj ET Q q 0 0 0 rg BT 454.14 416.85 Td (risk. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 90.00 388.05 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 120.01 388.05 Td (2 ) Tj ET Q q 0 0 0 rg BT 130.01 388.05 Td ( ) Tj ET Q q 0 0 0 rg BT 145.35 388.05 Td (Supervisory ) Tj ET Q q 0 0 0 rg BT 212.04 388.05 Td (Review) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 373.65 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 359.25 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 119.67 359.25 Td (2 ) Tj ET Q q 0 0 0 rg BT 129.34 359.25 Td (addresses ) Tj ET Q q 0 0 0 rg BT 187.70 359.25 Td (the ) Tj ET Q q 0 0 0 rg BT 207.38 359.25 Td (need ) Tj ET Q q 0 0 0 rg BT 237.07 359.25 Td (for ) Tj ET Q q 0 0 0 rg BT 254.07 359.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 289.08 359.25 Td (to ) Tj ET Q q 0 0 0 rg BT 302.09 359.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 350.44 359.25 Td (all ) Tj ET Q q 0 0 0 rg BT 365.44 359.25 Td (material ) Tj ET Q q 0 0 0 rg BT 411.12 359.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 438.77 359.25 Td (and ) Tj ET Q q 0 0 0 rg BT 461.79 359.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 518.15 359.25 Td (the ) Tj ET Q q 0 0 0 rg BT 537.82 359.25 Td (level ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 344.85 Td (of ) Tj ET Q q 0 0 0 rg BT 103.36 344.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 141.41 344.85 Td (required ) Tj ET Q q 0 0 0 rg BT 188.79 344.85 Td (to ) Tj ET Q q 0 0 0 rg BT 202.16 344.85 Td (remain ) Tj ET Q q 0 0 0 rg BT 242.19 344.85 Td (solvent ) Tj ET Q q 0 0 0 rg BT 283.57 344.85 Td (during ) Tj ET Q q 0 0 0 rg BT 320.29 344.85 Td (extreme ) Tj ET Q q 0 0 0 rg BT 366.99 344.85 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 447.04 344.85 Td (and ) Tj ET Q q 0 0 0 rg BT 470.42 344.85 Td (requires ) Tj ET Q q 0 0 0 rg BT 517.13 344.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 552.50 344.85 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 330.45 Td (have ) Tj ET Q q 0 0 0 rg BT 117.92 330.45 Td (sound ) Tj ET Q q 0 0 0 rg BT 152.52 330.45 Td (internal ) Tj ET Q q 0 0 0 rg BT 193.78 330.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 230.37 330.45 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 284.31 330.45 Td (assessment ) Tj ET Q q 0 0 0 rg BT 350.24 330.45 Td (processes. ) Tj ET Q q 0 0 0 rg BT 410.04 330.45 Td (The ) Tj ET Q q 0 0 0 rg BT 432.62 330.45 Td (internal ) Tj ET Q q 0 0 0 rg BT 473.88 330.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 510.47 330.45 Td (adequacy ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 316.05 Td (assessment ) Tj ET Q q 0 0 0 rg BT 155.79 316.05 Td (process ) Tj ET Q q 0 0 0 rg BT 199.57 316.05 Td (includes ) Tj ET Q q 0 0 0 rg BT 245.35 316.05 Td (setting ) Tj ET Q q 0 0 0 rg BT 282.47 316.05 Td (objectives ) Tj ET Q q 0 0 0 rg BT 337.59 316.05 Td (for ) Tj ET Q q 0 0 0 rg BT 353.36 316.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 389.81 316.05 Td (that ) Tj ET Q q 0 0 0 rg BT 411.58 316.05 Td (are ) Tj ET Q q 0 0 0 rg BT 430.69 316.05 Td (consistent ) Tj ET Q q 0 0 0 rg BT 486.48 316.05 Td (with ) Tj ET Q q 0 0 0 rg BT 509.58 316.05 Td (the ) Tj ET Q q 0 0 0 rg BT 528.02 316.05 Td (bank) Tj ET Q q 0 0 0 rg BT 556.49 316.05 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 301.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 112.00 301.65 Td (profile ) Tj ET Q q 0 0 0 rg BT 148.01 301.65 Td (and ) Tj ET Q q 0 0 0 rg BT 171.37 301.65 Td (the ) Tj ET Q q 0 0 0 rg BT 191.38 301.65 Td (control ) Tj ET Q q 0 0 0 rg BT 230.74 301.65 Td (environment ) Tj ET Q q 0 0 0 rg BT 300.11 301.65 Td (in ) Tj ET Q q 0 0 0 rg BT 312.78 301.65 Td (which ) Tj ET Q q 0 0 0 rg BT 346.79 301.65 Td (it ) Tj ET Q q 0 0 0 rg BT 356.13 301.65 Td (operates.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 90.00 272.85 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 120.01 272.85 Td (3 ) Tj ET Q q 0 0 0 rg BT 130.01 272.85 Td ( ) Tj ET Q q 0 0 0 rg BT 145.35 272.85 Td (Risk ) Tj ET Q q 0 0 0 rg BT 172.01 272.85 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 231.36 272.85 Td (and ) Tj ET Q q 0 0 0 rg BT 254.72 272.85 Td (Market ) Tj ET Q q 0 0 0 rg BT 294.73 272.85 Td (Discipline) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 244.05 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 123.37 244.05 Td (3 ) Tj ET Q q 0 0 0 rg BT 136.73 244.05 Td (requires ) Tj ET Q q 0 0 0 rg BT 186.78 244.05 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 247.51 244.05 Td (and ) Tj ET Q q 0 0 0 rg BT 274.23 244.05 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 342.30 244.05 Td (descriptions ) Tj ET Q q 0 0 0 rg BT 413.02 244.05 Td (of ) Tj ET Q q 0 0 0 rg BT 429.72 244.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 471.10 244.05 Td (structure, ) Tj ET Q q 0 0 0 rg BT 527.81 244.05 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 229.65 Td (adequacy) Tj ET Q q 0 0 0 rg BT 141.15 229.65 Td (, ) Tj ET Q q 0 0 0 rg BT 147.38 229.65 Td (internal ) Tj ET Q q 0 0 0 rg BT 189.63 229.65 Td (control ) Tj ET Q q 0 0 0 rg BT 228.53 229.65 Td (processes, ) Tj ET Q q 0 0 0 rg BT 289.45 229.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 311.00 229.65 Td (management ) Tj ET Q q 0 0 0 rg BT 383.94 229.65 Td (and ) Tj ET Q q 0 0 0 rg BT 406.85 229.65 Td (the ) Tj ET Q q 0 0 0 rg BT 426.42 229.65 Td (nature ) Tj ET Q q 0 0 0 rg BT 463.34 229.65 Td (of ) Tj ET Q q 0 0 0 rg BT 476.24 229.65 Td (underlying ) Tj ET Q q 0 0 0 rg BT 534.50 229.65 Td (risks. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 215.25 Td (The ) Tj ET Q q 0 0 0 rg BT 116.79 215.25 Td (purpose ) Tj ET Q q 0 0 0 rg BT 166.27 215.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.40 215.25 Td (Pillar ) Tj ET Q q 0 0 0 rg BT 215.19 215.25 Td (3 ) Tj ET Q q 0 0 0 rg BT 227.98 215.25 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 294.11 215.25 Td (is ) Tj ET Q q 0 0 0 rg BT 308.90 215.25 Td (to ) Tj ET Q q 0 0 0 rg BT 325.02 215.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 370.49 215.25 Td (information ) Tj ET Q q 0 0 0 rg BT 435.97 215.25 Td (on ) Tj ET Q q 0 0 0 rg BT 455.43 215.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 503.58 215.25 Td (institutions) Tj ET Q q 0 0 0 rg BT 562.50 215.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 200.85 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 146.70 200.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 184.72 200.85 Td (and ) Tj ET Q q 0 0 0 rg BT 208.07 200.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 230.07 200.85 Td (management ) Tj ET Q q 0 0 0 rg BT 303.45 200.85 Td (practices. ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (4 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Capital Structure ) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 120.01 681.05 Td (Capital) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 89.81 652.25 Td (a ) Tj ET Q q 0 0 0 rg BT 99.62 652.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 150.77 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 163.91 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.72 652.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 250.21 652.25 Td (W) Tj ET Q q 0 0 0 rg BT 261.09 652.25 Td (all ) Tj ET Q q 0 0 0 rg BT 276.23 652.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 311.37 652.25 Td (Reform ) Tj ET Q q 0 0 0 rg BT 353.84 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 377.00 652.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 435.48 652.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 492.02 652.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 515.82 652.25 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 637.85 Td (rust ) Tj ET Q q 0 0 0 rg BT 82.86 637.85 Td (is ) Tj ET Q q 0 0 0 rg BT 93.50 637.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 133.50 637.85 Td (to ) Tj ET Q q 0 0 0 rg BT 145.48 637.85 Td (a ) Tj ET Q q 0 0 0 rg BT 154.12 637.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 190.78 637.85 Td (floor ) Tj ET Q q 0 0 0 rg BT 216.10 637.85 Td (that ) Tj ET Q q 0 0 0 rg BT 238.09 637.85 Td (is ) Tj ET Q q 0 0 0 rg BT 248.73 637.85 Td (based ) Tj ET Q q 0 0 0 rg BT 283.40 637.85 Td (on ) Tj ET Q q 0 0 0 rg BT 298.72 637.85 Td (the ) Tj ET Q q 0 0 0 rg BT 317.37 637.85 Td (Basel ) Tj ET Q q 0 0 0 rg BT 349.36 637.85 Td (standardized ) Tj ET Q q 0 0 0 rg BT 420.05 637.85 Td (approach. ) Tj ET Q q 0 0 0 rg BT 475.40 637.85 Td (W) Tj ET Q q 0 0 0 rg BT 486.51 637.85 Td (e ) Tj ET Q q 0 0 0 rg BT 495.15 637.85 Td (are ) Tj ET Q q 0 0 0 rg BT 514.47 637.85 Td (therefore ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 623.45 Td (required ) Tj ET Q q 0 0 0 rg BT 102.93 623.45 Td (to ) Tj ET Q q 0 0 0 rg BT 117.85 623.45 Td (calculate ) Tj ET Q q 0 0 0 rg BT 170.12 623.45 Td (our ) Tj ET Q q 0 0 0 rg BT 192.37 623.45 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 252.63 623.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 292.22 623.45 Td (ratios ) Tj ET Q q 0 0 0 rg BT 326.47 623.45 Td (under ) Tj ET Q q 0 0 0 rg BT 362.07 623.45 Td (both ) Tj ET Q q 0 0 0 rg BT 390.33 623.45 Td (the ) Tj ET Q q 0 0 0 rg BT 411.92 623.45 Td (standardized ) Tj ET Q q 0 0 0 rg BT 485.54 623.45 Td (and ) Tj ET Q q 0 0 0 rg BT 510.47 623.45 Td (advanced ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 609.05 Td (approaches ) Tj ET Q q 0 0 0 rg BT 120.83 609.05 Td (and ) Tj ET Q q 0 0 0 rg BT 144.96 609.05 Td (are ) Tj ET Q q 0 0 0 rg BT 166.42 609.05 Td (subject ) Tj ET Q q 0 0 0 rg BT 208.55 609.05 Td (to ) Tj ET Q q 0 0 0 rg BT 222.67 609.05 Td (the ) Tj ET Q q 0 0 0 rg BT 243.46 609.05 Td (more ) Tj ET Q q 0 0 0 rg BT 274.92 609.05 Td (stringent ) Tj ET Q q 0 0 0 rg BT 325.05 609.05 Td (of ) Tj ET Q q 0 0 0 rg BT 339.17 609.05 Td (the ) Tj ET Q q 0 0 0 rg BT 359.97 609.05 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 419.43 609.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 458.23 609.05 Td (ratios ) Tj ET Q q 0 0 0 rg BT 491.69 609.05 Td (as ) Tj ET Q q 0 0 0 rg BT 508.47 609.05 Td (calculated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 594.65 Td (under ) Tj ET Q q 0 0 0 rg BT 88.65 594.65 Td (the ) Tj ET Q q 0 0 0 rg BT 109.30 594.65 Td (standardized ) Tj ET Q q 0 0 0 rg BT 181.97 594.65 Td (approach ) Tj ET Q q 0 0 0 rg BT 235.97 594.65 Td (and ) Tj ET Q q 0 0 0 rg BT 259.96 594.65 Td (the ) Tj ET Q q 0 0 0 rg BT 280.60 594.65 Td (advanced ) Tj ET Q q 0 0 0 rg BT 336.61 594.65 Td (approach ) Tj ET Q q 0 0 0 rg BT 390.61 594.65 Td (in ) Tj ET Q q 0 0 0 rg BT 403.91 594.65 Td (the ) Tj ET Q q 0 0 0 rg BT 424.56 594.65 Td (assessment ) Tj ET Q q 0 0 0 rg BT 492.54 594.65 Td (of ) Tj ET Q q 0 0 0 rg BT 506.51 594.65 Td (our ) Tj ET Q q 0 0 0 rg BT 527.82 594.65 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 110.22 580.25 Td (under ) Tj ET Q q 0 0 0 rg BT 145.08 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 165.94 580.25 Td (prompt ) Tj ET Q q 0 0 0 rg BT 207.46 580.25 Td (corrective ) Tj ET Q q 0 0 0 rg BT 263.65 580.25 Td (action ) Tj ET Q q 0 0 0 rg BT 299.84 580.25 Td (framework. ) Tj ET Q q 0 0 0 rg BT 363.09 580.25 Td (The ) Tj ET Q q 0 0 0 rg BT 387.94 580.25 Td (Corporation) Tj ET Q q 0 0 0 rg BT 453.09 580.25 Td (s ) Tj ET Q q 0 0 0 rg BT 463.26 580.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 502.13 580.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 535.64 580.25 Td (as ) Tj ET Q q 0 0 0 rg BT 552.49 580.25 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 565.85 Td (March31, ) Tj ET Q q 0 0 0 rg BT 110.69 565.85 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 137.38 565.85 Td (, ) Tj ET Q q 0 0 0 rg BT 144.05 565.85 Td (are ) Tj ET Q q 0 0 0 rg BT 164.73 565.85 Td (shown ) Tj ET Q q 0 0 0 rg BT 202.75 565.85 Td (in ) Tj ET Q q 0 0 0 rg BT 215.43 565.85 Td (the ) Tj ET Q q 0 0 0 rg BT 235.44 565.85 Td (following ) Tj ET Q q 0 0 0 rg BT 285.47 565.85 Td (table.) Tj ET Q BT /F3 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 545.79 286.47 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 537.05 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 537.05 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 537.05 Td (1: ) Tj ET Q q 0 0 0 rg BT 101.79 537.05 Td (Northern ) Tj ET Q q 0 0 0 rg BT 155.79 537.05 Td (T) Tj ET Q q 0 0 0 rg BT 162.46 537.05 Td (rust ) Tj ET Q q 0 0 0 rg BT 188.46 537.05 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 260.46 537.05 Td (Capital ) Tj ET Q q 0 0 0 rg BT 303.80 537.05 Td (Ratios) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 526.55 301.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 354.75 526.55 40.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 394.75 526.55 167.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 526.55 m 53.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 526.55 m 354.75 526.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 511.54999999999995 m 354.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.75 526.55 m 394.75 526.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.75 511.54999999999995 m 394.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 526.55 m 459.75 526.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 511.54999999999995 m 459.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.75 526.55 m 496.75 526.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 526.55 m 561.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 526.55 m 561.75 526.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 511.54999999999995 m 561.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 511.54999999999995 m 53.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 511.54999999999995 m 354.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 487.54999999999995 m 354.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.75 511.54999999999995 m 394.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.75 487.54999999999995 m 394.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 511.54999999999995 m 459.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 487.54999999999995 m 459.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.75 511.54999999999995 m 496.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.75 487.54999999999995 m 496.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 511.54999999999995 m 561.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 511.54999999999995 m 561.75 511.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 487.54999999999995 m 561.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 487.54999999999995 m 53.75 472.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 487.54999999999995 m 354.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.75 487.54999999999995 m 394.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 487.54999999999995 m 459.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 487.54999999999995 m 561.75 472.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 487.54999999999995 m 561.75 487.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 472.54999999999995 m 53.75 457.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 472.54999999999995 m 561.75 457.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 457.54999999999995 m 53.75 442.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 457.54999999999995 m 561.75 442.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 442.54999999999995 m 53.75 427.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 442.54999999999995 m 561.75 427.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 427.54999999999995 m 53.75 412.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 427.54999999999995 m 561.75 412.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 412.54999999999995 m 53.75 397.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 412.54999999999995 m 561.75 397.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 397.54999999999995 m 53.75 382.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 397.54999999999995 m 561.75 382.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 382.54999999999995 m 53.75 367.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 382.54999999999995 m 561.75 367.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 367.54999999999995 m 53.75 352.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 367.54999999999995 m 561.75 352.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 352.54999999999995 m 53.75 337.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 352.54999999999995 m 561.75 337.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 337.54999999999995 m 53.75 322.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 337.54999999999995 m 561.75 322.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 322.54999999999995 m 53.75 307.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 322.54999999999995 m 561.75 307.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 307.54999999999995 m 53.75 292.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 307.54999999999995 m 561.75 292.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 292.54999999999995 m 53.75 277.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 292.54999999999995 m 561.75 277.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 277.54999999999995 m 53.75 262.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 277.54999999999995 m 561.75 262.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 262.54999999999995 m 53.75 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 247.54999999999995 m 354.75 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.75 247.54999999999995 m 394.75 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 247.54999999999995 m 459.75 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.75 247.54999999999995 m 496.75 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 262.54999999999995 m 561.75 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 247.54999999999995 m 561.75 247.54999999999995 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 516.17 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 516.17 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.70 501.77 Td ( Basel Standardized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.90 491.77 Td (T) Tj ET Q q 0 0 0 rg BT 410.82 491.77 Td (ransitional) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.75 501.77 Td ( Basel ) Tj ET Q q 0 0 0 rg BT 514.05 501.77 Td (Advanced) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 506.90 491.77 Td (T) Tj ET Q q 0 0 0 rg BT 512.82 491.77 Td (ransitional) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 477.17 Td (Regulatory Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 462.17 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 130.08 462.17 Td (T) Tj ET Q q 0 0 0 rg BT 135.91 462.17 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.25 462.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.30 462.17 Td (8,486) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.25 462.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 462.17 Td (8,486) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 447.17 Td (T) Tj ET Q q 0 0 0 rg BT 62.17 447.17 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.30 447.17 Td (9,357) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 447.17 Td (9,357) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 432.17 Td (T) Tj ET Q q 0 0 0 rg BT 61.80 432.17 Td (otal Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.75 432.17 Td (10,712) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 432.17 Td (10,564) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 402.17 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 387.17 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 88.37 387.17 Td (eighted ) Tj ET Q q 0 0 0 rg BT 123.59 387.17 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.25 387.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.75 387.17 Td (68,925) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.25 387.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 387.17 Td (65,235) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 372.17 Td (A) Tj ET Q q 0 0 0 rg BT 62.83 372.17 Td (verage ) Tj ET Q q 0 0 0 rg BT 95.82 372.17 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 137.15 372.17 Td (T) Tj ET Q q 0 0 0 rg BT 142.61 372.17 Td (otal ) Tj ET Q q 0 0 0 rg BT 160.68 372.17 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.20 372.17 Td (123,624) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.20 372.17 Td (123,624) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 357.17 Td (Supplementary Leverage Exposure) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.10 357.17 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.20 357.17 Td (141,085) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 327.17 Td (Capital Ratios) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 312.17 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 130.08 312.17 Td (T) Tj ET Q q 0 0 0 rg BT 135.91 312.17 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.85 312.17 Td (12.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.35 312.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 312.17 Td (13.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 312.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 297.17 Td (T) Tj ET Q q 0 0 0 rg BT 62.17 297.17 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.85 297.17 Td (13.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.35 297.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 297.17 Td (14.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 297.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 282.17 Td (T) Tj ET Q q 0 0 0 rg BT 61.80 282.17 Td (otal Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.85 282.17 Td (15.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.35 282.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 282.17 Td (16.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 282.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 267.17 Td (T) Tj ET Q q 0 0 0 rg BT 62.17 267.17 Td (ier 1 Leverage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.40 267.17 Td (7.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.35 267.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.40 267.17 Td (7.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 267.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 252.17 Td (Supplementary Leverage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.10 252.17 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.40 252.17 Td (6.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 252.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 233.65 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 219.25 Td (The ) Tj ET Q q 0 0 0 rg BT 76.56 219.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 127.12 219.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 162.23 219.25 Td (T) Tj ET Q q 0 0 0 rg BT 169.11 219.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 184.33 219.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 192.88 219.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 218.11 219.25 Td (is ) Tj ET Q q 0 0 0 rg BT 228.65 219.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 269.90 219.25 Td (as ) Tj ET Q q 0 0 0 rg BT 284.46 219.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 335.02 219.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 370.13 219.25 Td (T) Tj ET Q q 0 0 0 rg BT 377.01 219.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 392.23 219.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 400.78 219.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 437.35 219.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 477.26 219.25 Td (by ) Tj ET Q q 0 0 0 rg BT 491.81 219.25 Td (risk-weighted ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 204.85 Td (assets; ) Tj ET Q q 0 0 0 rg BT 94.85 204.85 Td (the ) Tj ET Q q 0 0 0 rg BT 114.18 204.85 Td (T) Tj ET Q q 0 0 0 rg BT 121.07 204.85 Td (ier ) Tj ET Q q 0 0 0 rg BT 137.24 204.85 Td (1 ) Tj ET Q q 0 0 0 rg BT 146.74 204.85 Td (Capital ) Tj ET Q q 0 0 0 rg BT 186.93 204.85 Td (ratio ) Tj ET Q q 0 0 0 rg BT 213.11 204.85 Td (is ) Tj ET Q q 0 0 0 rg BT 224.61 204.85 Td (defined ) Tj ET Q q 0 0 0 rg BT 266.81 204.85 Td (as ) Tj ET Q q 0 0 0 rg BT 282.14 204.85 Td (T) Tj ET Q q 0 0 0 rg BT 289.02 204.85 Td (ier ) Tj ET Q q 0 0 0 rg BT 305.19 204.85 Td (1 ) Tj ET Q q 0 0 0 rg BT 314.70 204.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 352.22 204.85 Td (divided ) Tj ET Q q 0 0 0 rg BT 393.08 204.85 Td (by ) Tj ET Q q 0 0 0 rg BT 408.59 204.85 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 482.12 204.85 Td (assets; ) Tj ET Q q 0 0 0 rg BT 522.97 204.85 Td (and ) Tj ET Q q 0 0 0 rg BT 545.82 204.85 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 190.45 Td (T) Tj ET Q q 0 0 0 rg BT 60.00 190.45 Td (otal ) Tj ET Q q 0 0 0 rg BT 82.53 190.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 123.07 190.45 Td (ratio ) Tj ET Q q 0 0 0 rg BT 149.60 190.45 Td (is ) Tj ET Q q 0 0 0 rg BT 161.46 190.45 Td (defined ) Tj ET Q q 0 0 0 rg BT 204.01 190.45 Td (as ) Tj ET Q q 0 0 0 rg BT 219.87 190.45 Td (total ) Tj ET Q q 0 0 0 rg BT 245.74 190.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 283.61 190.45 Td (divided ) Tj ET Q q 0 0 0 rg BT 324.82 190.45 Td (by ) Tj ET Q q 0 0 0 rg BT 340.68 190.45 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 414.56 190.45 Td (assets. ) Tj ET Q q 0 0 0 rg BT 455.56 190.45 Td (The ) Tj ET Q q 0 0 0 rg BT 479.21 190.45 Td (T) Tj ET Q q 0 0 0 rg BT 486.10 190.45 Td (ier ) Tj ET Q q 0 0 0 rg BT 502.62 190.45 Td (1 ) Tj ET Q q 0 0 0 rg BT 512.48 190.45 Td (Leverage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 176.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 83.61 176.05 Td (is ) Tj ET Q q 0 0 0 rg BT 98.55 176.05 Td (defined ) Tj ET Q q 0 0 0 rg BT 144.19 176.05 Td (as ) Tj ET Q q 0 0 0 rg BT 162.72 176.05 Td (T) Tj ET Q q 0 0 0 rg BT 169.61 176.05 Td (ier ) Tj ET Q q 0 0 0 rg BT 189.21 176.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 202.16 176.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 243.11 176.05 Td (divided ) Tj ET Q q 0 0 0 rg BT 287.41 176.05 Td (by ) Tj ET Q q 0 0 0 rg BT 306.35 176.05 Td (average ) Tj ET Q q 0 0 0 rg BT 355.99 176.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 407.63 176.05 Td (total ) Tj ET Q q 0 0 0 rg BT 436.58 176.05 Td (assets ) Tj ET Q q 0 0 0 rg BT 477.53 176.05 Td (\(which ) Tj ET Q q 0 0 0 rg BT 518.48 176.05 Td (includes ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 161.65 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 121.65 161.65 Td (for ) Tj ET Q q 0 0 0 rg BT 138.60 161.65 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 184.90 161.65 Td (and ) Tj ET Q q 0 0 0 rg BT 207.87 161.65 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 268.19 161.65 Td (intangible ) Tj ET Q q 0 0 0 rg BT 322.51 161.65 Td (assets\). ) Tj ET Q q 0 0 0 rg BT 367.28 161.65 Td (The ) Tj ET Q q 0 0 0 rg BT 390.91 161.65 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 474.57 161.65 Td (Leverage ) Tj ET Q q 0 0 0 rg BT 527.55 161.65 Td (ratio ) Tj ET Q q 0 0 0 rg BT 553.84 161.65 Td (is ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 147.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 96.70 147.25 Td (as ) Tj ET Q q 0 0 0 rg BT 112.49 147.25 Td (T) Tj ET Q q 0 0 0 rg BT 119.38 147.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 136.05 147.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 146.06 147.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 184.08 147.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 225.44 147.25 Td (by ) Tj ET Q q 0 0 0 rg BT 241.45 147.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 323.49 147.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 372.86 147.25 Td (exposure.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 132.85 Td ( ) Tj ET Q q 0 0 0 rg BT 57.33 132.85 Td ( ) Tj ET Q q 0 0 0 rg BT 60.67 132.85 Td ( ) Tj ET Q q 0 0 0 rg BT 64.00 132.85 Td ( ) Tj ET Q q 0 0 0 rg BT 67.34 132.85 Td ( ) Tj ET Q q 0 0 0 rg BT 70.67 132.85 Td ( ) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (5 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.26 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 109.14 711.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 130.82 711.30 Td (is ) Tj ET Q q 0 0 0 rg BT 141.17 711.30 Td (required ) Tj ET Q q 0 0 0 rg BT 186.87 711.30 Td (to ) Tj ET Q q 0 0 0 rg BT 198.56 711.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 245.60 711.30 Td (minimum ) Tj ET Q q 0 0 0 rg BT 295.94 711.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 326.96 711.30 Td (of ) Tj ET Q q 0 0 0 rg BT 338.65 711.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 375.02 711.30 Td (to ) Tj ET Q q 0 0 0 rg BT 386.70 711.30 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 459.07 711.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 495.43 711.30 Td (and ) Tj ET Q q 0 0 0 rg BT 517.13 711.30 Td (adjusted ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 104.02 696.90 Td (average ) Tj ET Q q 0 0 0 rg BT 150.72 696.90 Td (assets, ) Tj ET Q q 0 0 0 rg BT 192.07 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 212.09 696.90 Td (current ) Tj ET Q q 0 0 0 rg BT 252.77 696.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 286.78 696.90 Td (of ) Tj ET Q q 0 0 0 rg BT 300.12 696.90 Td (which ) Tj ET Q q 0 0 0 rg BT 334.14 696.90 Td (are ) Tj ET Q q 0 0 0 rg BT 354.81 696.90 Td (as ) Tj ET Q q 0 0 0 rg BT 370.82 696.90 Td (shown ) Tj ET Q q 0 0 0 rg BT 408.84 696.90 Td (in ) Tj ET Q q 0 0 0 rg BT 421.52 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 441.53 696.90 Td (following ) Tj ET Q q 0 0 0 rg BT 491.56 696.90 Td (table. ) Tj ET Q q 0 0 0 rg BT 524.25 696.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 668.10 Td (able 2: Minimum Capital Ratios) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 54.50 657.60 221.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 275.50 657.60 94.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 369.50 657.60 193.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 657.6 m 54.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 657.6 m 275.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 642.6 m 275.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 657.6 m 369.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 642.6 m 369.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 657.6 m 462.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 642.6 m 462.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 657.6 m 496.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 642.6 m 496.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 657.6 m 562.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 657.6 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 496.5 642.6 m 562.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 642.6 m 54.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 642.6 m 275.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 619.6 m 275.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 642.6 m 369.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 619.6 m 369.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 642.6 m 462.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 619.6 m 462.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 642.6 m 496.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 619.6 m 496.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 642.6 m 562.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 642.6 m 562.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 619.6 m 562.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 619.6 m 54.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 619.6 m 275.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 619.6 m 369.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 619.6 m 462.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 619.6 m 496.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 619.6 m 562.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 619.6 m 562.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 604.6 m 54.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 604.6 m 562.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 589.6 m 54.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 589.6 m 562.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 574.6 m 54.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 574.6 m 562.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 559.6 m 54.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 559.6 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 54.5 544.6 m 54.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 529.6 m 275.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 529.6 m 369.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 529.6 m 462.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 529.6 m 496.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 544.6 m 562.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 529.6 m 562.5 529.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.90 647.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.15 632.82 Td ( W) Tj ET Q q 0 0 0 rg BT 396.19 632.82 Td (ell-Capitalized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.65 622.82 Td (Ratios) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 458.99 627.59 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.75 632.82 Td ( Minimum Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 622.82 Td (Ratios) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 609.22 Td (Capital Ratios) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 594.22 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 130.83 594.22 Td (T) Tj ET Q q 0 0 0 rg BT 136.66 594.22 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.15 594.22 Td (6.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 594.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 594.22 Td (4.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.10 594.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 579.22 Td (T) Tj ET Q q 0 0 0 rg BT 62.92 579.22 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.15 579.22 Td (8.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 579.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 579.22 Td (6.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.10 579.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 564.22 Td (T) Tj ET Q q 0 0 0 rg BT 62.55 564.22 Td (otal Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 564.22 Td (10.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 564.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 564.22 Td (8.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.10 564.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 549.22 Td (T) Tj ET Q q 0 0 0 rg BT 62.92 549.22 Td (ier 1 Leverage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.15 549.22 Td (5.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 549.22 Td (%) Tj ET Q BT /F2 6.50 Tf ET q 0 0 0 rg BT 465.00 554.67 Td (\(a\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 549.22 Td (4.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.10 549.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 534.22 Td (Supplementary Leverage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.85 534.22 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 534.22 Td (3.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.10 534.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 510.30 Td (\(a\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 72.00 510.30 Td (Represents ) Tj ET Q q 0 0 0 rg BT 125.58 510.30 Td (requirements ) Tj ET Q q 0 0 0 rg BT 186.38 510.30 Td (for ) Tj ET Q q 0 0 0 rg BT 200.48 510.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 224.61 510.30 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 279.85 510.30 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 321.20 510.30 Td (to ) Tj ET Q q 0 0 0 rg BT 331.98 510.30 Td (regulations ) Tj ET Q q 0 0 0 rg BT 383.34 510.30 Td (issued ) Tj ET Q q 0 0 0 rg BT 414.69 510.30 Td (under ) Tj ET Q q 0 0 0 rg BT 442.70 510.30 Td (the ) Tj ET Q q 0 0 0 rg BT 459.04 510.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 484.81 510.30 Td (Improvement ) Tj ET Q q 0 0 0 rg BT 545.28 510.30 Td (Act. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 72.00 496.50 Td (There ) Tj ET Q q 0 0 0 rg BT 100.90 496.50 Td (is ) Tj ET Q q 0 0 0 rg BT 110.90 496.50 Td (no ) Tj ET Q q 0 0 0 rg BT 124.80 496.50 Td (T) Tj ET Q q 0 0 0 rg BT 130.82 496.50 Td (ier ) Tj ET Q q 0 0 0 rg BT 144.71 496.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 153.05 496.50 Td (leverage ) Tj ET Q q 0 0 0 rg BT 194.19 496.50 Td (component ) Tj ET Q q 0 0 0 rg BT 246.45 496.50 Td (in ) Tj ET Q q 0 0 0 rg BT 257.01 496.50 Td (the ) Tj ET Q q 0 0 0 rg BT 273.69 496.50 Td (definition ) Tj ET Q q 0 0 0 rg BT 316.50 496.50 Td (of ) Tj ET Q q 0 0 0 rg BT 327.62 496.50 Td (a ) Tj ET Q q 0 0 0 rg BT 335.96 496.50 Td (well ) Tj ET Q q 0 0 0 rg BT 359.29 496.50 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 412.65 496.50 Td (bank ) Tj ET Q q 0 0 0 rg BT 437.11 496.50 Td (holding ) Tj ET Q q 0 0 0 rg BT 472.14 496.50 Td (company) Tj ET Q q 0 0 0 rg BT 511.98 496.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 468.30 Td (Ef) Tj ET Q q 0 0 0 rg BT 65.12 468.30 Td (fective ) Tj ET Q q 0 0 0 rg BT 102.21 468.30 Td (January ) Tj ET Q q 0 0 0 rg BT 147.31 468.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 159.73 468.30 Td (2016, ) Tj ET Q q 0 0 0 rg BT 192.17 468.30 Td (the ) Tj ET Q q 0 0 0 rg BT 211.26 468.30 Td (Basel ) Tj ET Q q 0 0 0 rg BT 243.69 468.30 Td (III ) Tj ET Q q 0 0 0 rg BT 256.10 468.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 293.19 468.30 Td (requirements ) Tj ET Q q 0 0 0 rg BT 365.63 468.30 Td (establish ) Tj ET Q q 0 0 0 rg BT 415.40 468.30 Td (a ) Tj ET Q q 0 0 0 rg BT 424.49 468.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 461.58 468.30 Td (conservation ) Tj ET Q q 0 0 0 rg BT 532.03 468.30 Td (buf) Tj ET Q q 0 0 0 rg BT 548.50 468.30 Td (fer ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 453.90 Td (and ) Tj ET Q q 0 0 0 rg BT 79.04 453.90 Td (a ) Tj ET Q q 0 0 0 rg BT 90.72 453.90 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 174.43 453.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 214.13 453.90 Td (buf) Tj ET Q q 0 0 0 rg BT 230.60 453.90 Td (fer ) Tj ET Q q 0 0 0 rg BT 249.62 453.90 Td (above ) Tj ET Q q 0 0 0 rg BT 287.33 453.90 Td (the ) Tj ET Q q 0 0 0 rg BT 309.02 453.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 367.40 453.90 Td (minimum ) Tj ET Q q 0 0 0 rg BT 421.08 453.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 460.78 453.90 Td (ratio ) Tj ET Q q 0 0 0 rg BT 489.14 453.90 Td (requirements. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 439.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.79 439.50 Td (T) Tj ET Q q 0 0 0 rg BT 111.68 439.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 136.07 439.50 Td (must ) Tj ET Q q 0 0 0 rg BT 166.46 439.50 Td (maintain ) Tj ET Q q 0 0 0 rg BT 216.21 439.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 255.28 439.50 Td (ratios ) Tj ET Q q 0 0 0 rg BT 289.02 439.50 Td (in ) Tj ET Q q 0 0 0 rg BT 302.74 439.50 Td (excess ) Tj ET Q q 0 0 0 rg BT 344.48 439.50 Td (of ) Tj ET Q q 0 0 0 rg BT 358.88 439.50 Td (the ) Tj ET Q q 0 0 0 rg BT 379.95 439.50 Td (minimum ) Tj ET Q q 0 0 0 rg BT 433.00 439.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 472.08 439.50 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 549.83 439.50 Td (as ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 425.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 109.57 425.10 Td (by ) Tj ET Q q 0 0 0 rg BT 125.10 425.10 Td (these ) Tj ET Q q 0 0 0 rg BT 157.31 425.10 Td (buf) Tj ET Q q 0 0 0 rg BT 173.77 425.10 Td (fers, ) Tj ET Q q 0 0 0 rg BT 199.96 425.10 Td (in ) Tj ET Q q 0 0 0 rg BT 212.16 425.10 Td (order ) Tj ET Q q 0 0 0 rg BT 243.02 425.10 Td (to ) Tj ET Q q 0 0 0 rg BT 255.88 425.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 287.43 425.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 343.63 425.10 Td (on ) Tj ET Q q 0 0 0 rg BT 359.83 425.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 397.37 425.10 Td (distributions, ) Tj ET Q q 0 0 0 rg BT 467.59 425.10 Td (including ) Tj ET Q q 0 0 0 rg BT 517.81 425.10 Td (dividend ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 410.70 Td (payments, ) Tj ET Q q 0 0 0 rg BT 112.69 410.70 Td (as ) Tj ET Q q 0 0 0 rg BT 128.70 410.70 Td (well ) Tj ET Q q 0 0 0 rg BT 152.71 410.70 Td (as ) Tj ET Q q 0 0 0 rg BT 168.71 410.70 Td (on ) Tj ET Q q 0 0 0 rg BT 185.40 410.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 224.75 410.70 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 296.11 410.70 Td (bonus ) Tj ET Q q 0 0 0 rg BT 332.14 410.70 Td (payments ) Tj ET Q q 0 0 0 rg BT 387.50 410.70 Td (to ) Tj ET Q q 0 0 0 rg BT 400.84 410.70 Td (executive ) Tj ET Q q 0 0 0 rg BT 454.87 410.70 Td (of) Tj ET Q q 0 0 0 rg BT 464.66 410.70 Td (ficers.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 384.30 Td (The ) Tj ET Q q 0 0 0 rg BT 79.14 384.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 118.28 384.30 Td (conservation ) Tj ET Q q 0 0 0 rg BT 190.78 384.30 Td (buf) Tj ET Q q 0 0 0 rg BT 207.25 384.30 Td (fer ) Tj ET Q q 0 0 0 rg BT 225.71 384.30 Td (was ) Tj ET Q q 0 0 0 rg BT 251.51 384.30 Td (initially ) Tj ET Q q 0 0 0 rg BT 291.98 384.30 Td (set ) Tj ET Q q 0 0 0 rg BT 312.45 384.30 Td (at ) Tj ET Q q 0 0 0 rg BT 326.91 384.30 Td (0.625% ) Tj ET Q q 0 0 0 rg BT 372.07 384.30 Td (beginning ) Tj ET Q q 0 0 0 rg BT 428.58 384.30 Td (on ) Tj ET Q q 0 0 0 rg BT 446.38 384.30 Td (January ) Tj ET Q q 0 0 0 rg BT 493.54 384.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 508.00 384.30 Td (2016, ) Tj ET Q q 0 0 0 rg BT 542.49 384.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 369.90 Td (increases ) Tj ET Q q 0 0 0 rg BT 108.69 369.90 Td (by ) Tj ET Q q 0 0 0 rg BT 124.70 369.90 Td (0.625% ) Tj ET Q q 0 0 0 rg BT 168.73 369.90 Td (per ) Tj ET Q q 0 0 0 rg BT 189.41 369.90 Td (year ) Tj ET Q q 0 0 0 rg BT 216.09 369.90 Td (until ) Tj ET Q q 0 0 0 rg BT 241.44 369.90 Td (it ) Tj ET Q q 0 0 0 rg BT 250.77 369.90 Td (is ) Tj ET Q q 0 0 0 rg BT 262.77 369.90 Td (fully ) Tj ET Q q 0 0 0 rg BT 287.44 369.90 Td (phased ) Tj ET Q q 0 0 0 rg BT 330.15 369.90 Td (in ) Tj ET Q q 0 0 0 rg BT 342.82 369.90 Td (at ) Tj ET Q q 0 0 0 rg BT 356.16 369.90 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 386.85 369.90 Td (on ) Tj ET Q q 0 0 0 rg BT 403.53 369.90 Td (January ) Tj ET Q q 0 0 0 rg BT 449.55 369.90 Td (1, ) Tj ET Q q 0 0 0 rg BT 462.90 369.90 Td (2019.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 343.50 Td (The ) Tj ET Q q 0 0 0 rg BT 78.63 343.50 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 161.27 343.50 Td (conservation ) Tj ET Q q 0 0 0 rg BT 233.26 343.50 Td (buf) Tj ET Q q 0 0 0 rg BT 249.73 343.50 Td (fer ) Tj ET Q q 0 0 0 rg BT 267.68 343.50 Td (is ) Tj ET Q q 0 0 0 rg BT 280.29 343.50 Td (an ) Tj ET Q q 0 0 0 rg BT 297.59 343.50 Td (extension ) Tj ET Q q 0 0 0 rg BT 352.91 343.50 Td (of ) Tj ET Q q 0 0 0 rg BT 366.87 343.50 Td (the ) Tj ET Q q 0 0 0 rg BT 387.50 343.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 426.13 343.50 Td (conservation ) Tj ET Q q 0 0 0 rg BT 498.12 343.50 Td (buf) Tj ET Q q 0 0 0 rg BT 514.59 343.50 Td (fer ) Tj ET Q q 0 0 0 rg BT 532.54 343.50 Td (and ) Tj ET Q q 0 0 0 rg BT 556.51 343.50 Td (it ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 329.10 Td (can ) Tj ET Q q 0 0 0 rg BT 78.41 329.10 Td (range ) Tj ET Q q 0 0 0 rg BT 114.15 329.10 Td (from ) Tj ET Q q 0 0 0 rg BT 143.21 329.10 Td (0% ) Tj ET Q q 0 0 0 rg BT 165.61 329.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.68 329.10 Td (2.5%. ) Tj ET Q q 0 0 0 rg BT 216.09 329.10 Td (The ) Tj ET Q q 0 0 0 rg BT 241.83 329.10 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 325.58 329.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 365.33 329.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 438.42 329.10 Td (buf) Tj ET Q q 0 0 0 rg BT 454.89 329.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 473.95 329.10 Td (is ) Tj ET Q q 0 0 0 rg BT 487.67 329.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 530.75 329.10 Td (to ) Tj ET Q q 0 0 0 rg BT 545.82 329.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 314.70 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 136.89 314.70 Td (conservation ) Tj ET Q q 0 0 0 rg BT 209.12 314.70 Td (buf) Tj ET Q q 0 0 0 rg BT 225.58 314.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 243.78 314.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 268.64 314.70 Td (set ) Tj ET Q q 0 0 0 rg BT 288.84 314.70 Td (by ) Tj ET Q q 0 0 0 rg BT 305.71 314.70 Td (the ) Tj ET Q q 0 0 0 rg BT 326.58 314.70 Td (national ) Tj ET Q q 0 0 0 rg BT 372.80 314.70 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 439.68 314.70 Td (where ) Tj ET Q q 0 0 0 rg BT 476.56 314.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 527.16 314.70 Td (T) Tj ET Q q 0 0 0 rg BT 534.05 314.70 Td (rust) Tj ET Q q 0 0 0 rg BT 556.50 314.70 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 300.30 Td (private ) Tj ET Q q 0 0 0 rg BT 92.86 300.30 Td (sector ) Tj ET Q q 0 0 0 rg BT 128.37 300.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 160.56 300.30 Td (exposures ) Tj ET Q q 0 0 0 rg BT 218.76 300.30 Td (are ) Tj ET Q q 0 0 0 rg BT 238.94 300.30 Td (located ) Tj ET Q q 0 0 0 rg BT 280.48 300.30 Td (and ) Tj ET Q q 0 0 0 rg BT 303.34 300.30 Td (reflects ) Tj ET Q q 0 0 0 rg BT 344.85 300.30 Td (a ) Tj ET Q q 0 0 0 rg BT 354.37 300.30 Td (weighted ) Tj ET Q q 0 0 0 rg BT 405.24 300.30 Td (average ) Tj ET Q q 0 0 0 rg BT 451.44 300.30 Td (of ) Tj ET Q q 0 0 0 rg BT 464.29 300.30 Td (the ) Tj ET Q q 0 0 0 rg BT 483.81 300.30 Td (countercyclical ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 285.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 92.02 285.90 Td (buf) Tj ET Q q 0 0 0 rg BT 108.49 285.90 Td (fer ) Tj ET Q q 0 0 0 rg BT 125.82 285.90 Td (amounts ) Tj ET Q q 0 0 0 rg BT 175.18 285.90 Td (set ) Tj ET Q q 0 0 0 rg BT 194.53 285.90 Td (by ) Tj ET Q q 0 0 0 rg BT 210.53 285.90 Td (those ) Tj ET Q q 0 0 0 rg BT 243.22 285.90 Td (jurisdictions.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 257.10 Td (The ) Tj ET Q q 0 0 0 rg BT 80.23 257.10 Td (table ) Tj ET Q q 0 0 0 rg BT 111.80 257.10 Td (below ) Tj ET Q q 0 0 0 rg BT 148.71 257.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 192.94 257.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 244.82 257.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.71 257.10 Td (rust) Tj ET Q q 0 0 0 rg BT 274.16 257.10 Td (s ) Tj ET Q q 0 0 0 rg BT 285.71 257.10 Td (private ) Tj ET Q q 0 0 0 rg BT 327.28 257.10 Td (sector ) Tj ET Q q 0 0 0 rg BT 365.51 257.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.41 257.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 461.33 257.10 Td (located ) Tj ET Q q 0 0 0 rg BT 505.57 257.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.47 257.10 Td (national ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 242.70 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 120.02 242.70 Td (that ) Tj ET Q q 0 0 0 rg BT 143.37 242.70 Td (have ) Tj ET Q q 0 0 0 rg BT 172.73 242.70 Td (set ) Tj ET Q q 0 0 0 rg BT 192.07 242.70 Td (their ) Tj ET Q q 0 0 0 rg BT 218.75 242.70 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 300.78 242.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 338.80 242.70 Td (conservation ) Tj ET Q q 0 0 0 rg BT 410.17 242.70 Td (buf) Tj ET Q q 0 0 0 rg BT 426.64 242.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 443.98 242.70 Td (above ) Tj ET Q q 0 0 0 rg BT 480.01 242.70 Td (0%.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 213.90 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 213.90 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 213.90 Td (3: ) Tj ET Q q 0 0 0 rg BT 101.79 213.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 139.79 213.90 Td (Exposures ) Tj ET Q q 0 0 0 rg BT 204.49 213.90 Td (Subject ) Tj ET Q q 0 0 0 rg BT 251.16 213.90 Td (to ) Tj ET Q q 0 0 0 rg BT 265.82 213.90 Td (a ) Tj ET Q q 0 0 0 rg BT 275.83 213.90 Td (Countercyclical ) Tj ET Q q 0 0 0 rg BT 368.53 213.90 Td (Capital ) Tj ET Q q 0 0 0 rg BT 411.87 213.90 Td (Buffer) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 203.40 204.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 257.75 203.40 135.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 392.75 203.40 169.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 203.39999999999998 m 53.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 203.39999999999998 m 257.75 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 188.39999999999998 m 257.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.75 203.39999999999998 m 392.75 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.75 188.39999999999998 m 392.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 203.39999999999998 m 500.75 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 188.39999999999998 m 500.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 203.39999999999998 m 510.75 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 188.39999999999998 m 510.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 203.39999999999998 m 561.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 203.39999999999998 m 561.75 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 188.39999999999998 m 561.75 188.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 188.39999999999998 m 53.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 163.39999999999998 m 257.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.75 163.39999999999998 m 392.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 163.39999999999998 m 500.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 163.39999999999998 m 510.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 188.39999999999998 m 561.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 163.39999999999998 m 561.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 163.39999999999998 m 53.75 148.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.75 163.39999999999998 m 392.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 163.39999999999998 m 561.75 148.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 163.39999999999998 m 561.75 163.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 148.39999999999998 m 53.75 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 148.39999999999998 m 561.75 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 133.39999999999998 m 53.75 118.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 118.39999999999998 m 257.75 118.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.75 118.39999999999998 m 392.75 118.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 118.39999999999998 m 500.75 118.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 118.39999999999998 m 510.75 118.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 133.39999999999998 m 561.75 118.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 118.39999999999998 m 561.75 118.39999999999998 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 193.02 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 193.02 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.35 178.62 Td (T) Tj ET Q q 0 0 0 rg BT 273.09 178.62 Td (ransitional Countercyclical) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.80 168.62 Td (Buf) Tj ET Q q 0 0 0 rg BT 353.63 168.62 Td (fer Rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.55 168.02 Td (Credit Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 153.02 Td (Hong Kong) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.30 153.02 Td (1.406) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.35 153.02 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 503.25 153.02 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 153.02 Td (341.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 138.02 Td (Norway) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.30 138.02 Td (1.500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.35 138.02 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 138.02 Td (822.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 123.02 Td (Sweden) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.30 123.02 Td (1.500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.35 123.02 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.50 123.02 Td (1,197.7) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (6 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 76.90 711.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 113.80 711.30 Td (conservation ) Tj ET Q q 0 0 0 rg BT 184.06 711.30 Td (buf) Tj ET Q q 0 0 0 rg BT 200.52 711.30 Td (fer ) Tj ET Q q 0 0 0 rg BT 216.74 711.30 Td (and ) Tj ET Q q 0 0 0 rg BT 238.98 711.30 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 319.90 711.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 356.80 711.30 Td (buf) Tj ET Q q 0 0 0 rg BT 373.27 711.30 Td (fer ) Tj ET Q q 0 0 0 rg BT 389.49 711.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 418.38 711.30 Td (applicable ) Tj ET Q q 0 0 0 rg BT 474.64 711.30 Td (to ) Tj ET Q q 0 0 0 rg BT 486.86 711.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 535.63 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 542.51 711.30 Td (rust ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (are ) Tj ET Q q 0 0 0 rg BT 74.68 696.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 124.04 696.90 Td (in ) Tj ET Q q 0 0 0 rg BT 136.71 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 156.73 696.90 Td (table ) Tj ET Q q 0 0 0 rg BT 186.08 696.90 Td (below) Tj ET Q q 0 0 0 rg BT 216.77 696.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 668.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 668.10 Td (4: ) Tj ET Q q 0 0 0 rg BT 101.79 668.10 Td (Prescribed ) Tj ET Q q 0 0 0 rg BT 167.16 668.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 233.17 668.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 276.51 668.10 Td (Buffers) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 657.60 229.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 282.75 657.60 136.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 418.75 657.60 143.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 53.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 282.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 657.6 m 418.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 657.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 657.6 m 561.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 53.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 282.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 627.6 m 282.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 642.6 m 418.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 627.6 m 418.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 642.6 m 561.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 642.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 627.6 m 561.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 627.6 m 53.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 627.6 m 418.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 627.6 m 561.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 627.6 m 561.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 612.6 m 53.75 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 597.6 m 282.75 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.75 597.6 m 418.75 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 612.6 m 561.75 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 597.6 m 561.75 597.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 647.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.30 632.22 Td (Northern ) Tj ET Q q 0 0 0 rg BT 337.89 632.22 Td (T) Tj ET Q q 0 0 0 rg BT 343.73 632.22 Td (rust Corporation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.75 632.22 Td (The Northern ) Tj ET Q q 0 0 0 rg BT 490.26 632.22 Td (T) Tj ET Q q 0 0 0 rg BT 496.00 632.22 Td (rust Company) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 617.22 Td (Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 166.77 617.22 Td (fer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.75 617.22 Td (1.8750) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.35 617.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 617.22 Td (1.8750) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 617.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 602.22 Td (Countercyclical Conservation Buf) Tj ET Q q 0 0 0 rg BT 203.36 602.22 Td (fer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.75 602.22 Td (0.0141) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.35 602.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 602.22 Td (0.0144) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 602.22 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 569.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.15 569.30 Td (T) Tj ET Q q 0 0 0 rg BT 111.04 569.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 134.75 569.30 Td (is ) Tj ET Q q 0 0 0 rg BT 147.13 569.30 Td (not ) Tj ET Q q 0 0 0 rg BT 167.52 569.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 209.25 569.30 Td (to ) Tj ET Q q 0 0 0 rg BT 222.96 569.30 Td (any ) Tj ET Q q 0 0 0 rg BT 246.02 569.30 Td (limitation ) Tj ET Q q 0 0 0 rg BT 297.08 569.30 Td (on ) Tj ET Q q 0 0 0 rg BT 314.13 569.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 352.53 569.30 Td (distributions ) Tj ET Q q 0 0 0 rg BT 420.27 569.30 Td (as ) Tj ET Q q 0 0 0 rg BT 436.65 569.30 Td (its ) Tj ET Q q 0 0 0 rg BT 452.36 569.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 490.76 569.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 523.81 569.30 Td (exceed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 554.90 Td (the ) Tj ET Q q 0 0 0 rg BT 76.55 554.90 Td (minimum ) Tj ET Q q 0 0 0 rg BT 131.09 554.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 171.65 554.90 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 250.89 554.90 Td (as ) Tj ET Q q 0 0 0 rg BT 269.43 554.90 Td (expanded ) Tj ET Q q 0 0 0 rg BT 328.02 554.90 Td (by ) Tj ET Q q 0 0 0 rg BT 346.56 554.90 Td (the ) Tj ET Q q 0 0 0 rg BT 369.12 554.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 409.68 554.90 Td (conservation ) Tj ET Q q 0 0 0 rg BT 483.59 554.90 Td (buf) Tj ET Q q 0 0 0 rg BT 500.05 554.90 Td (fer ) Tj ET Q q 0 0 0 rg BT 519.93 554.90 Td (and ) Tj ET Q q 0 0 0 rg BT 545.82 554.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 540.50 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 136.19 540.50 Td (conservation ) Tj ET Q q 0 0 0 rg BT 207.73 540.50 Td (buf) Tj ET Q q 0 0 0 rg BT 224.19 540.50 Td (fer) Tj ET Q q 0 0 0 rg BT 237.53 540.50 Td (. ) Tj ET Q q 0 0 0 rg BT 244.36 540.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 285.21 540.50 Td (distributions ) Tj ET Q q 0 0 0 rg BT 352.74 540.50 Td (for ) Tj ET Q q 0 0 0 rg BT 370.24 540.50 Td (institutions ) Tj ET Q q 0 0 0 rg BT 430.43 540.50 Td (that ) Tj ET Q q 0 0 0 rg BT 453.94 540.50 Td (do ) Tj ET Q q 0 0 0 rg BT 470.78 540.50 Td (not ) Tj ET Q q 0 0 0 rg BT 490.96 540.50 Td (exceed ) Tj ET Q q 0 0 0 rg BT 533.15 540.50 Td (these ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 526.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 81.88 526.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 156.46 526.10 Td (would ) Tj ET Q q 0 0 0 rg BT 192.35 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 210.24 526.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 249.45 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.00 526.10 Td (between ) Tj ET Q q 0 0 0 rg BT 313.91 526.10 Td (0% ) Tj ET Q q 0 0 0 rg BT 335.79 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.35 526.10 Td (60% ) Tj ET Q q 0 0 0 rg BT 388.91 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.46 526.10 Td (total ) Tj ET Q q 0 0 0 rg BT 430.68 526.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 472.58 526.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 520.49 526.10 Td (income. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 511.70 Td (Eligible ) Tj ET Q q 0 0 0 rg BT 96.71 511.70 Td (retained ) Tj ET Q q 0 0 0 rg BT 144.09 511.70 Td (income, ) Tj ET Q q 0 0 0 rg BT 190.12 511.70 Td (defined ) Tj ET Q q 0 0 0 rg BT 233.51 511.70 Td (as ) Tj ET Q q 0 0 0 rg BT 250.20 511.70 Td (net ) Tj ET Q q 0 0 0 rg BT 270.89 511.70 Td (income ) Tj ET Q q 0 0 0 rg BT 313.59 511.70 Td (for ) Tj ET Q q 0 0 0 rg BT 331.61 511.70 Td (the ) Tj ET Q q 0 0 0 rg BT 352.31 511.70 Td (preceding ) Tj ET Q q 0 0 0 rg BT 409.03 511.70 Td (four ) Tj ET Q q 0 0 0 rg BT 433.73 511.70 Td (calendar ) Tj ET Q q 0 0 0 rg BT 483.77 511.70 Td (quarters ) Tj ET Q q 0 0 0 rg BT 531.81 511.70 Td (net ) Tj ET Q q 0 0 0 rg BT 552.51 511.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 497.30 Td (any ) Tj ET Q q 0 0 0 rg BT 76.32 497.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 113.97 497.30 Td (distributions ) Tj ET Q q 0 0 0 rg BT 180.97 497.30 Td (not ) Tj ET Q q 0 0 0 rg BT 200.63 497.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 249.62 497.30 Td (within ) Tj ET Q q 0 0 0 rg BT 283.27 497.30 Td (net ) Tj ET Q q 0 0 0 rg BT 302.92 497.30 Td (income, ) Tj ET Q q 0 0 0 rg BT 347.91 497.30 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 372.22 497.30 Td ($254.2 ) Tj ET Q q 0 0 0 rg BT 411.89 497.30 Td (million) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 445.90 497.30 Td ( ) Tj ET Q q 0 0 0 rg BT 448.86 497.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 471.86 497.30 Td ($632.6 ) Tj ET Q q 0 0 0 rg BT 511.53 497.30 Td (million) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 545.54 497.30 Td ( ) Tj ET Q q 0 0 0 rg BT 548.50 497.30 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 482.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.24 482.90 Td (T) Tj ET Q q 0 0 0 rg BT 110.13 482.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 132.87 482.90 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 198.30 482.90 Td (and ) Tj ET Q q 0 0 0 rg BT 220.88 482.90 Td (The ) Tj ET Q q 0 0 0 rg BT 244.30 482.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 293.54 482.90 Td (T) Tj ET Q q 0 0 0 rg BT 300.42 482.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 323.16 482.90 Td (Company) Tj ET Q q 0 0 0 rg BT 373.63 482.90 Td (, ) Tj ET Q q 0 0 0 rg BT 379.70 482.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 442.17 482.90 Td (, ) Tj ET Q q 0 0 0 rg BT 448.23 482.90 Td (as ) Tj ET Q q 0 0 0 rg BT 463.64 482.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 476.39 482.90 Td (March31, ) Tj ET Q q 0 0 0 rg BT 532.48 482.90 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 559.17 482.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 454.10 Td (For ) Tj ET Q q 0 0 0 rg BT 75.38 454.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 132.11 454.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 188.19 454.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 238.03 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.92 454.10 Td (rust) Tj ET Q q 0 0 0 rg BT 267.37 454.10 Td (s ) Tj ET Q q 0 0 0 rg BT 276.75 454.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.81 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 326.85 454.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 379.58 454.10 Td (into ) Tj ET Q q 0 0 0 rg BT 402.31 454.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 454.37 454.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 490.87 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 497.76 454.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 524.48 454.10 Td (capital, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 439.70 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 439.70 Td (ier ) Tj ET Q q 0 0 0 rg BT 78.67 439.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 89.80 439.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 128.94 439.70 Td (and ) Tj ET Q q 0 0 0 rg BT 153.13 439.70 Td (T) Tj ET Q q 0 0 0 rg BT 160.02 439.70 Td (ier ) Tj ET Q q 0 0 0 rg BT 177.81 439.70 Td (2 ) Tj ET Q q 0 0 0 rg BT 188.93 439.70 Td (capital. ) Tj ET Q q 0 0 0 rg BT 231.41 439.70 Td (Under ) Tj ET Q q 0 0 0 rg BT 268.55 439.70 Td (the ) Tj ET Q q 0 0 0 rg BT 289.68 439.70 Td (Basel ) Tj ET Q q 0 0 0 rg BT 324.15 439.70 Td (III ) Tj ET Q q 0 0 0 rg BT 338.61 439.70 Td (transitional ) Tj ET Q q 0 0 0 rg BT 401.10 439.70 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 462.91 439.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 503.38 439.70 Td (items ) Tj ET Q q 0 0 0 rg BT 536.50 439.70 Td (were ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 425.30 Td (phased ) Tj ET Q q 0 0 0 rg BT 100.00 425.30 Td (in ) Tj ET Q q 0 0 0 rg BT 115.97 425.30 Td (from ) Tj ET Q q 0 0 0 rg BT 146.60 425.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 179.92 425.30 Td (through ) Tj ET Q q 0 0 0 rg BT 227.25 425.30 Td (2017, ) Tj ET Q q 0 0 0 rg BT 263.91 425.30 Td (including ) Tj ET Q q 0 0 0 rg BT 317.90 425.30 Td (the ) Tj ET Q q 0 0 0 rg BT 341.21 425.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 382.53 425.30 Td (treatment ) Tj ET Q q 0 0 0 rg BT 439.85 425.30 Td (for ) Tj ET Q q 0 0 0 rg BT 460.48 425.30 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 535.15 425.30 Td (other ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 410.90 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 138.55 410.90 Td (income ) Tj ET Q q 0 0 0 rg BT 180.41 410.90 Td (and ) Tj ET Q q 0 0 0 rg BT 203.60 410.90 Td (other ) Tj ET Q q 0 0 0 rg BT 234.13 410.90 Td (items ) Tj ET Q q 0 0 0 rg BT 265.97 410.90 Td (required ) Tj ET Q q 0 0 0 rg BT 313.17 410.90 Td (for ) Tj ET Q q 0 0 0 rg BT 330.35 410.90 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 388.88 410.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 426.74 410.90 Td (calculations. ) Tj ET Q q 0 0 0 rg BT 495.95 410.90 Td (Floating ) Tj ET Q q 0 0 0 rg BT 541.82 410.90 Td (rate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 396.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 92.02 396.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 146.04 396.50 Td (will ) Tj ET Q q 0 0 0 rg BT 166.04 396.50 Td (continue ) Tj ET Q q 0 0 0 rg BT 214.74 396.50 Td (to ) Tj ET Q q 0 0 0 rg BT 228.08 396.50 Td (be ) Tj ET Q q 0 0 0 rg BT 244.76 396.50 Td (phased ) Tj ET Q q 0 0 0 rg BT 287.47 396.50 Td (out ) Tj ET Q q 0 0 0 rg BT 307.48 396.50 Td (through ) Tj ET Q q 0 0 0 rg BT 351.52 396.50 Td (2021.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 367.70 Td (The ) Tj ET Q q 0 0 0 rg BT 78.81 367.70 Td (methods ) Tj ET Q q 0 0 0 rg BT 128.97 367.70 Td (for ) Tj ET Q q 0 0 0 rg BT 147.11 367.70 Td (the ) Tj ET Q q 0 0 0 rg BT 167.93 367.70 Td (calculation ) Tj ET Q q 0 0 0 rg BT 228.76 367.70 Td (of ) Tj ET Q q 0 0 0 rg BT 242.91 367.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 293.46 367.70 Td (T) Tj ET Q q 0 0 0 rg BT 300.34 367.70 Td (rust) Tj ET Q q 0 0 0 rg BT 322.80 367.70 Td (s ) Tj ET Q q 0 0 0 rg BT 332.93 367.70 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 392.42 367.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 431.24 367.70 Td (ratios ) Tj ET Q q 0 0 0 rg BT 464.72 367.70 Td (will ) Tj ET Q q 0 0 0 rg BT 485.52 367.70 Td (change ) Tj ET Q q 0 0 0 rg BT 529.02 367.70 Td (as ) Tj ET Q q 0 0 0 rg BT 545.83 367.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 353.30 Td (provisions ) Tj ET Q q 0 0 0 rg BT 110.80 353.30 Td (of ) Tj ET Q q 0 0 0 rg BT 123.58 353.30 Td (the ) Tj ET Q q 0 0 0 rg BT 143.04 353.30 Td (Basel ) Tj ET Q q 0 0 0 rg BT 175.83 353.30 Td (III ) Tj ET Q q 0 0 0 rg BT 188.61 353.30 Td (final ) Tj ET Q q 0 0 0 rg BT 213.40 353.30 Td (rule ) Tj ET Q q 0 0 0 rg BT 236.18 353.30 Td (related ) Tj ET Q q 0 0 0 rg BT 275.65 353.30 Td (to ) Tj ET Q q 0 0 0 rg BT 288.43 353.30 Td (floating ) Tj ET Q q 0 0 0 rg BT 329.90 353.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 353.36 353.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 390.82 353.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 444.28 353.30 Td (are ) Tj ET Q q 0 0 0 rg BT 464.40 353.30 Td (phased ) Tj ET Q q 0 0 0 rg BT 506.54 353.30 Td (out. ) Tj ET Q q 0 0 0 rg BT 529.15 353.30 Td (These ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 338.90 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 101.21 338.90 Td (methodology ) Tj ET Q q 0 0 0 rg BT 174.41 338.90 Td (changes ) Tj ET Q q 0 0 0 rg BT 224.28 338.90 Td (will ) Tj ET Q q 0 0 0 rg BT 245.44 338.90 Td (result ) Tj ET Q q 0 0 0 rg BT 279.28 338.90 Td (in ) Tj ET Q q 0 0 0 rg BT 293.12 338.90 Td (dif) Tj ET Q q 0 0 0 rg BT 305.57 338.90 Td (ferences ) Tj ET Q q 0 0 0 rg BT 356.09 338.90 Td (in ) Tj ET Q q 0 0 0 rg BT 369.93 338.90 Td (our ) Tj ET Q q 0 0 0 rg BT 391.77 338.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 440.96 338.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 480.14 338.90 Td (ratios ) Tj ET Q q 0 0 0 rg BT 513.98 338.90 Td (from ) Tj ET Q q 0 0 0 rg BT 542.48 338.90 Td (one ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 324.50 Td (reporting ) Tj ET Q q 0 0 0 rg BT 104.39 324.50 Td (period ) Tj ET Q q 0 0 0 rg BT 140.78 324.50 Td (to ) Tj ET Q q 0 0 0 rg BT 153.82 324.50 Td (the ) Tj ET Q q 0 0 0 rg BT 173.54 324.50 Td (next ) Tj ET Q q 0 0 0 rg BT 199.25 324.50 Td (that ) Tj ET Q q 0 0 0 rg BT 222.30 324.50 Td (are ) Tj ET Q q 0 0 0 rg BT 242.68 324.50 Td (independent ) Tj ET Q q 0 0 0 rg BT 311.78 324.50 Td (of ) Tj ET Q q 0 0 0 rg BT 324.82 324.50 Td (applicable ) Tj ET Q q 0 0 0 rg BT 381.89 324.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 430.29 324.50 Td (to ) Tj ET Q q 0 0 0 rg BT 443.33 324.50 Td (our ) Tj ET Q q 0 0 0 rg BT 463.71 324.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 501.43 324.50 Td (base, ) Tj ET Q q 0 0 0 rg BT 533.82 324.50 Td (asset ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 310.10 Td (composition, ) Tj ET Q q 0 0 0 rg BT 124.70 310.10 Td (of) Tj ET Q q 0 0 0 rg BT 134.49 310.10 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 220.54 310.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 279.24 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 293.24 310.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 315.24 310.10 Td (profile.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (7 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 77.27 711.30 Td (table ) Tj ET Q q 0 0 0 rg BT 105.89 711.30 Td (below ) Tj ET Q q 0 0 0 rg BT 139.84 711.30 Td (presents ) Tj ET Q q 0 0 0 rg BT 188.46 711.30 Td (the ) Tj ET Q q 0 0 0 rg BT 207.74 711.30 Td (components ) Tj ET Q q 0 0 0 rg BT 275.71 711.30 Td (of ) Tj ET Q q 0 0 0 rg BT 288.32 711.30 Td (the ) Tj ET Q q 0 0 0 rg BT 307.60 711.30 Td (Corporation) Tj ET Q q 0 0 0 rg BT 372.75 711.30 Td (s ) Tj ET Q q 0 0 0 rg BT 381.34 711.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 437.30 711.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 474.58 711.30 Td (as ) Tj ET Q q 0 0 0 rg BT 489.86 711.30 Td (defined ) Tj ET Q q 0 0 0 rg BT 531.82 711.30 Td (under ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 87.35 696.90 Td (III ) Tj ET Q q 0 0 0 rg BT 100.69 696.90 Td (as ) Tj ET Q q 0 0 0 rg BT 116.70 696.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 130.04 696.90 Td (March31, ) Tj ET Q q 0 0 0 rg BT 186.73 696.90 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 213.42 696.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 668.10 Td (able 5: Components of Regulatory Capital) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 54.50 657.60 250.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 304.50 657.60 69.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 373.50 657.60 189.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 657.6 m 54.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 657.6 m 304.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 642.6 m 304.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 657.6 m 373.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 642.6 m 373.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 657.6 m 435.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 642.6 m 435.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 657.6 m 468.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 642.6 m 468.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 657.6 m 562.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 657.6 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 468.5 642.6 m 562.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 642.6 m 54.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 642.6 m 304.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 616.6 m 304.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 642.6 m 373.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 616.6 m 373.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 642.6 m 435.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 616.6 m 435.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 642.6 m 468.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 616.6 m 468.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 642.6 m 562.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 642.6 m 562.5 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 616.6 m 562.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 616.6 m 54.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 616.6 m 562.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 601.6 m 54.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 601.6 m 562.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 586.6 m 54.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 586.6 m 562.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 571.6 m 54.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 571.6 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 54.5 556.6 m 54.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 556.6 m 304.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 541.6 m 304.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 556.6 m 373.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 541.6 m 373.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 556.6 m 435.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 541.6 m 435.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 556.6 m 468.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 541.6 m 468.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 556.6 m 562.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 556.6 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 468.5 541.6 m 562.5 541.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 541.6 m 54.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 541.6 m 562.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 532.6 m 54.5 517.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 532.6 m 562.5 517.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 517.6 m 54.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 517.6 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 54.5 502.6 m 54.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 502.6 m 562.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 487.6 m 54.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 487.6 m 562.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 472.6 m 54.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 472.6 m 304.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 457.6 m 304.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 472.6 m 373.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 457.6 m 373.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 472.6 m 435.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 457.6 m 435.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 472.6 m 468.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 457.6 m 468.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 472.6 m 562.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 472.6 m 562.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 457.6 m 562.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 457.6 m 54.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 457.6 m 562.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 448.6 m 54.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 448.6 m 562.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 433.6 m 54.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 433.6 m 562.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 418.6 m 54.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 418.6 m 304.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 403.6 m 304.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 418.6 m 373.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 403.6 m 373.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 418.6 m 435.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 403.6 m 435.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 418.6 m 468.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 403.6 m 468.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 418.6 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 468.5 418.6 m 562.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 403.6 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 54.5 403.6 m 54.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 403.6 m 435.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 403.6 m 468.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 403.6 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 468.5 403.6 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 54.5 394.6 m 54.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 394.6 m 562.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 379.6 m 54.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 379.6 m 562.5 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 364.6 m 54.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 364.6 m 562.5 349.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 349.6 m 54.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 334.6 m 304.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 334.6 m 373.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 334.6 m 468.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 349.6 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 54.5 334.6 m 54.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 334.6 m 304.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 319.6 m 304.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 334.6 m 373.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 319.6 m 373.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 334.6 m 435.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 319.6 m 435.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 334.6 m 468.5 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 319.6 m 468.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 334.6 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 468.5 334.6 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 468.5 319.6 m 562.5 319.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 57.00 647.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.90 647.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.45 631.22 Td ( Basel Standardized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.65 621.22 Td (T) Tj ET Q q 0 0 0 rg BT 386.39 621.22 Td (ransitional) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.50 631.22 Td ( Basel ) Tj ET Q q 0 0 0 rg BT 514.52 631.22 Td (Advanced ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.65 621.22 Td (T) Tj ET Q q 0 0 0 rg BT 513.39 621.22 Td (ransitional ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 606.22 Td (Regulatory Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 591.22 Td (Common Stock and Related Surplus) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.00 591.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.60 591.22 Td (\(124) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.65 591.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.00 591.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.60 591.22 Td (\(124) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 591.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 576.22 Td (Retained Earnings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.60 576.22 Td (9,974) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.60 576.22 Td (9,974) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 561.22 Td (Accumulated Other Comprehensive Income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.60 561.22 Td (\(506) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.65 561.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.60 561.22 Td (\(506) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 561.22 Td (\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 546.22 Td (Common Stockholders) Tj ET Q q 0 0 0 rg BT 168.96 546.22 Td ( Equity) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 376.00 546.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 406.60 546.22 Td (9,344) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.00 546.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 533.60 546.22 Td (9,344) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 522.22 Td (Adjustments for:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 507.22 Td (Accumulated Other Comprehensive Income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.65 507.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 507.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 492.22 Td (Goodwill and Other Intangible ) Tj ET Q q 0 0 0 rg BT 203.25 492.22 Td (Assets \(Net of deferred tax liability\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.60 492.22 Td (\(733) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.65 492.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.60 492.22 Td (\(733) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 492.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 477.22 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.60 477.22 Td (\(125) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.65 477.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.60 477.22 Td (\(125) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 477.22 Td (\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 462.22 Td (Common Equity T) Tj ET Q q 0 0 0 rg BT 142.46 462.22 Td (ier 1 Capital) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 376.00 462.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 406.60 462.22 Td (8,486) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.00 462.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 533.60 462.22 Td (8,486) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 438.22 Td (Preferred Stock) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.95 438.22 Td (882) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.95 438.22 Td (882) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 423.22 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.15 423.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 426.04 423.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.65 423.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 423.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 553.04 423.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 423.22 Td (\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 408.22 Td (T) Tj ET Q q 0 0 0 rg BT 63.02 408.22 Td (ier 1 Capital) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 376.00 408.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 406.60 408.22 Td (9,357) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.00 408.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 533.60 408.22 Td (9,357) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 384.22 Td (Long-T) Tj ET Q q 0 0 0 rg BT 99.58 384.22 Td (erm Debt ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 143.48 388.99 Td (\(a\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.60 384.22 Td (1,099) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.60 384.22 Td (1,099) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 369.22 Td (Floating Rate Capital Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.95 369.22 Td (108) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.95 369.22 Td (108) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 354.22 Td (Allowance for Credit Losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.95 354.22 Td (148) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 354.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.00 339.22 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.65 339.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 339.22 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 324.22 Td (T) Tj ET Q q 0 0 0 rg BT 62.37 324.22 Td (otal Capital) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 376.00 324.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 401.05 324.22 Td (10,712) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.00 324.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 528.05 324.22 Td (10,564) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 54.00 302.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 68.94 302.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 71.66 302.10 Td (Long-term ) Tj ET Q q 0 0 0 rg BT 119.96 302.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 142.14 302.10 Td (that ) Tj ET Q q 0 0 0 rg BT 161.54 302.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 200.95 302.10 Td (for ) Tj ET Q q 0 0 0 rg BT 215.34 302.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 264.19 302.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 295.82 302.10 Td (amortizes ) Tj ET Q q 0 0 0 rg BT 341.88 302.10 Td (for ) Tj ET Q q 0 0 0 rg BT 356.27 302.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.89 302.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 411.75 302.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.81 302.10 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 464.44 302.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.95 302.10 Td (T) Tj ET Q q 0 0 0 rg BT 480.97 302.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 494.80 302.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 503.08 302.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 534.71 302.10 Td (during ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 72.00 290.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.68 290.10 Td (five ) Tj ET Q q 0 0 0 rg BT 107.02 290.10 Td (years ) Tj ET Q q 0 0 0 rg BT 134.25 290.10 Td (before ) Tj ET Q q 0 0 0 rg BT 165.38 290.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 200.20 290.10 Td (. ) Tj ET Q q 0 0 0 rg BT 205.76 290.10 Td ( ) Tj ET Q q 0 0 0 rg BT 208.54 290.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 261.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 261.30 Td (Refer ) Tj ET Q q 0 0 0 rg BT 121.83 261.30 Td (to ) Tj ET Q q 0 0 0 rg BT 134.32 261.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 162.15 261.30 Td (12, ) Tj ET Q q 0 0 0 rg BT 181.31 261.30 Td (starting ) Tj ET Q q 0 0 0 rg BT 223.14 261.30 Td (on ) Tj ET Q q 0 0 0 rg BT 238.97 261.30 Td (page ) Tj ET Q q 0 0 0 rg BT 268.15 261.30 Td (124, ) Tj ET Q q 0 0 0 rg BT 293.99 261.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 321.82 261.30 Td (13, ) Tj ET Q q 0 0 0 rg BT 340.98 261.30 Td (starting ) Tj ET Q q 0 0 0 rg BT 382.82 261.30 Td (on ) Tj ET Q q 0 0 0 rg BT 398.65 261.30 Td (page ) Tj ET Q q 0 0 0 rg BT 427.83 261.30 Td (124, ) Tj ET Q q 0 0 0 rg BT 453.66 261.30 Td (and ) Tj ET Q q 0 0 0 rg BT 476.17 261.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 504.00 261.30 Td (14, ) Tj ET Q q 0 0 0 rg BT 523.16 261.30 Td (starting ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 246.90 Td (on ) Tj ET Q q 0 0 0 rg BT 107.81 246.90 Td (page ) Tj ET Q q 0 0 0 rg BT 138.97 246.90 Td (125, ) Tj ET Q q 0 0 0 rg BT 166.79 246.90 Td (to ) Tj ET Q q 0 0 0 rg BT 181.26 246.90 Td (the ) Tj ET Q q 0 0 0 rg BT 202.41 246.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 274.25 246.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 322.75 246.90 Td (statements ) Tj ET Q q 0 0 0 rg BT 385.90 246.90 Td (included ) Tj ET Q q 0 0 0 rg BT 435.07 246.90 Td (within ) Tj ET Q q 0 0 0 rg BT 470.21 246.90 Td (the ) Tj ET Q q 0 0 0 rg BT 491.36 246.90 Td (Corporation) Tj ET Q q 0 0 0 rg BT 556.51 246.90 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 232.50 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 116.70 232.50 Td ( ) Tj ET Q q 0 0 0 rg BT 118.40 232.50 Td (Annual ) Tj ET Q q 0 0 0 rg BT 157.90 232.50 Td (Report ) Tj ET Q q 0 0 0 rg BT 196.05 232.50 Td (for ) Tj ET Q q 0 0 0 rg BT 212.19 232.50 Td (the ) Tj ET Q q 0 0 0 rg BT 231.00 232.50 Td (terms ) Tj ET Q q 0 0 0 rg BT 263.14 232.50 Td (and ) Tj ET Q q 0 0 0 rg BT 285.29 232.50 Td (conditions ) Tj ET Q q 0 0 0 rg BT 341.46 232.50 Td (of ) Tj ET Q q 0 0 0 rg BT 353.60 232.50 Td (the ) Tj ET Q q 0 0 0 rg BT 372.41 232.50 Td (main ) Tj ET Q q 0 0 0 rg BT 400.56 232.50 Td (features ) Tj ET Q q 0 0 0 rg BT 446.05 232.50 Td (of ) Tj ET Q q 0 0 0 rg BT 458.19 232.50 Td (all ) Tj ET Q q 0 0 0 rg BT 472.33 232.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 527.82 232.50 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 218.10 Td (instruments.) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (8 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 94.45 711.30 Td (eighted ) Tj ET Q q 0 0 0 rg BT 140.01 711.30 Td (Assets ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (The ) Tj ET Q q 0 0 0 rg BT 81.02 682.50 Td (Corporation) Tj ET Q q 0 0 0 rg BT 146.17 682.50 Td (s ) Tj ET Q q 0 0 0 rg BT 158.52 682.50 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 235.56 682.50 Td (assets, ) Tj ET Q q 0 0 0 rg BT 279.92 682.50 Td (as ) Tj ET Q q 0 0 0 rg BT 298.94 682.50 Td (calculated ) Tj ET Q q 0 0 0 rg BT 359.32 682.50 Td (under ) Tj ET Q q 0 0 0 rg BT 396.36 682.50 Td (Basel ) Tj ET Q q 0 0 0 rg BT 432.72 682.50 Td (III ) Tj ET Q q 0 0 0 rg BT 449.07 682.50 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 533.47 682.50 Td (as ) Tj ET Q q 0 0 0 rg BT 552.49 682.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (March31, ) Tj ET Q q 0 0 0 rg BT 111.33 668.10 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 138.02 668.10 Td (, ) Tj ET Q q 0 0 0 rg BT 145.33 668.10 Td (are ) Tj ET Q q 0 0 0 rg BT 166.64 668.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 223.98 668.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.29 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.95 668.10 Td (following ) Tj ET Q q 0 0 0 rg BT 308.61 668.10 Td (table. ) Tj ET Q q 0 0 0 rg BT 341.94 668.10 Td (For ) Tj ET Q q 0 0 0 rg BT 363.91 668.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 397.22 668.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 423.19 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.84 668.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 477.83 668.10 Td (III ) Tj ET Q q 0 0 0 rg BT 491.80 668.10 Td (Standardized ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 653.70 Td (ransitional ) Tj ET Q q 0 0 0 rg BT 120.46 653.70 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 196.03 653.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 235.58 653.70 Td (reflect ) Tj ET Q q 0 0 0 rg BT 273.14 653.70 Td (prescribed ) Tj ET Q q 0 0 0 rg BT 334.04 653.70 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 392.28 653.70 Td (risk-weights, ) Tj ET Q q 0 0 0 rg BT 463.83 653.70 Td (while ) Tj ET Q q 0 0 0 rg BT 496.05 653.70 Td (the ) Tj ET Q q 0 0 0 rg BT 517.61 653.70 Td (Basel ) Tj ET Q q 0 0 0 rg BT 552.50 653.70 Td (III ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 109.09 639.30 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 181.49 639.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 217.89 639.30 Td (reflect ) Tj ET Q q 0 0 0 rg BT 252.28 639.30 Td (the ) Tj ET Q q 0 0 0 rg BT 270.67 639.30 Td (results ) Tj ET Q q 0 0 0 rg BT 307.73 639.30 Td (of ) Tj ET Q q 0 0 0 rg BT 319.45 639.30 Td (the ) Tj ET Q q 0 0 0 rg BT 337.50 639.30 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 392.59 639.30 Td (Internal ) Tj ET Q q 0 0 0 rg BT 434.32 639.30 Td (Ratings ) Tj ET Q q 0 0 0 rg BT 476.72 639.30 Td (Based ) Tj ET Q q 0 0 0 rg BT 512.46 639.30 Td (approach ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (\(AIRB\), ) Tj ET Q q 0 0 0 rg BT 103.91 624.90 Td (which ) Tj ET Q q 0 0 0 rg BT 137.18 624.90 Td (is ) Tj ET Q q 0 0 0 rg BT 148.44 624.90 Td (described ) Tj ET Q q 0 0 0 rg BT 203.06 624.90 Td (in ) Tj ET Q q 0 0 0 rg BT 214.98 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 234.25 624.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 268.85 624.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 294.77 624.90 Td (section. ) Tj ET Q q 0 0 0 rg BT 338.72 624.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 377.98 624.90 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 451.26 624.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 488.53 624.90 Td (are ) Tj ET Q q 0 0 0 rg BT 508.46 624.90 Td (calculated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (based ) Tj ET Q q 0 0 0 rg BT 91.17 610.50 Td (on ) Tj ET Q q 0 0 0 rg BT 108.99 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 130.14 610.50 Td (final ) Tj ET Q q 0 0 0 rg BT 156.63 610.50 Td (Market ) Tj ET Q q 0 0 0 rg BT 197.77 610.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 225.57 610.50 Td (Rule ) Tj ET Q q 0 0 0 rg BT 254.73 610.50 Td (approved ) Tj ET Q q 0 0 0 rg BT 309.24 610.50 Td (by ) Tj ET Q q 0 0 0 rg BT 326.38 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 347.54 610.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 392.69 610.50 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 441.85 610.50 Td (in ) Tj ET Q q 0 0 0 rg BT 455.66 610.50 Td (June ) Tj ET Q q 0 0 0 rg BT 486.15 610.50 Td (2012, ) Tj ET Q q 0 0 0 rg BT 520.66 610.50 Td (and ) Tj ET Q q 0 0 0 rg BT 545.15 610.50 Td (are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 101.27 596.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.53 596.10 Td (both ) Tj ET Q q 0 0 0 rg BT 145.13 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.06 596.10 Td (standardized ) Tj ET Q q 0 0 0 rg BT 237.02 596.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.29 596.10 Td (advanced ) Tj ET Q q 0 0 0 rg BT 315.58 596.10 Td (approaches. ) Tj ET Q q 0 0 0 rg BT 384.87 596.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 424.79 596.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 446.70 596.10 Td (is ) Tj ET Q q 0 0 0 rg BT 458.62 596.10 Td (further ) Tj ET Q q 0 0 0 rg BT 496.55 596.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 553.16 596.10 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 73.09 581.70 Td (Market ) Tj ET Q q 0 0 0 rg BT 112.17 581.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 137.92 581.70 Td (section. ) Tj ET Q q 0 0 0 rg BT 181.68 581.70 Td (Risk-weighted ) Tj ET Q q 0 0 0 rg BT 259.45 581.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 296.54 581.70 Td (as ) Tj ET Q q 0 0 0 rg BT 311.63 581.70 Td (calculated ) Tj ET Q q 0 0 0 rg BT 368.07 581.70 Td (under ) Tj ET Q q 0 0 0 rg BT 401.17 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 420.26 581.70 Td (advanced ) Tj ET Q q 0 0 0 rg BT 474.71 581.70 Td (approaches ) Tj ET Q q 0 0 0 rg BT 539.84 581.70 Td (may ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (show ) Tj ET Q q 0 0 0 rg BT 85.64 567.30 Td (variability ) Tj ET Q q 0 0 0 rg BT 139.28 567.30 Td (over ) Tj ET Q q 0 0 0 rg BT 166.25 567.30 Td (time ) Tj ET Q q 0 0 0 rg BT 192.54 567.30 Td (due ) Tj ET Q q 0 0 0 rg BT 216.19 567.30 Td (to ) Tj ET Q q 0 0 0 rg BT 229.83 567.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 278.82 567.30 Td (in ) Tj ET Q q 0 0 0 rg BT 291.79 567.30 Td (data, ) Tj ET Q q 0 0 0 rg BT 322.10 567.30 Td (methodology) Tj ET Q q 0 0 0 rg BT 389.92 567.30 Td (, ) Tj ET Q q 0 0 0 rg BT 396.88 567.30 Td (models, ) Tj ET Q q 0 0 0 rg BT 442.52 567.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 499.51 567.30 Td (guidance ) Tj ET Q q 0 0 0 rg BT 551.85 567.30 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (other ) Tj ET Q q 0 0 0 rg BT 84.69 552.90 Td (items.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 524.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 524.10 Td (6: ) Tj ET Q q 0 0 0 rg BT 101.79 524.10 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 142.24 524.10 Td (eighted ) Tj ET Q q 0 0 0 rg BT 187.80 524.10 Td (Assets ) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 513.60 211.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 264.75 513.60 70.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 334.75 513.60 227.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 513.6 m 53.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 513.6 m 264.75 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 498.6 m 264.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 513.6 m 334.75 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 498.6 m 334.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 513.6 m 433.75 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 498.6 m 433.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 513.6 m 467.75 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 498.6 m 467.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 513.6 m 561.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 513.6 m 561.75 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 498.6 m 561.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 498.6 m 53.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 473.6 m 264.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 498.6 m 334.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 473.6 m 334.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 498.6 m 433.75 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 473.6 m 433.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 473.6 m 467.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 498.6 m 561.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 473.6 m 561.75 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 473.6 m 53.75 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 473.6 m 561.75 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 465.6 m 53.75 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 465.6 m 561.75 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 450.6 m 53.75 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 450.6 m 561.75 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 435.6 m 53.75 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 435.6 m 561.75 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 420.6 m 53.75 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 420.6 m 561.75 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 405.6 m 53.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 390.6 m 433.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 405.6 m 561.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 390.6 m 53.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 390.6 m 264.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 375.6 m 264.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 390.6 m 334.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 375.6 m 334.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 390.6 m 433.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 375.6 m 433.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 390.6 m 467.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 375.6 m 467.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 390.6 m 561.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 390.6 m 561.75 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 375.6 m 561.75 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 375.6 m 53.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 375.6 m 561.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 366.6 m 53.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 366.6 m 264.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 351.6 m 264.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 366.6 m 334.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 351.6 m 334.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 366.6 m 433.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 351.6 m 433.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 366.6 m 467.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 351.6 m 467.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 366.6 m 561.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 366.6 m 561.75 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 351.6 m 561.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 351.6 m 53.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 351.6 m 433.75 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 342.6 m 433.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 351.6 m 561.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 342.6 m 53.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 342.6 m 264.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 327.6 m 264.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 342.6 m 334.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 327.6 m 334.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 342.6 m 433.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 327.6 m 433.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 342.6 m 467.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 327.6 m 467.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 342.6 m 561.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 342.6 m 561.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 327.6 m 561.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 327.6 m 53.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 327.6 m 561.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 318.6 m 53.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 318.6 m 264.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 303.6 m 264.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 318.6 m 334.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.75 303.6 m 334.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 318.6 m 433.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 303.6 m 433.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 318.6 m 467.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 303.6 m 467.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 318.6 m 561.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 318.6 m 561.75 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 303.6 m 561.75 303.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 503.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 503.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.70 488.22 Td ( Basel Standardized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 478.22 Td (T) Tj ET Q q 0 0 0 rg BT 384.82 478.22 Td (ransitional) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.75 488.22 Td ( Basel ) Tj ET Q q 0 0 0 rg BT 513.77 488.22 Td (Advanced ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 506.90 478.22 Td (T) Tj ET Q q 0 0 0 rg BT 512.64 478.22 Td (ransitional ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 455.22 Td (Wholesale Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.25 455.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.30 455.22 Td (61,851) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.25 455.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 455.22 Td (42,479) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 440.22 Td (Securitization Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.20 440.22 Td (917) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 440.22 Td (972) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 425.22 Td (Equity Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.85 425.22 Td (1,062) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 425.22 Td (1,126) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 410.22 Td (Other ) Tj ET Q q 0 0 0 rg BT 83.49 410.22 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.85 410.22 Td (4,938) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 410.22 Td (4,589) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 395.22 Td (Credit V) Tj ET Q q 0 0 0 rg BT 91.63 395.22 Td (aluation ) Tj ET Q q 0 0 0 rg BT 128.89 395.22 Td (Adjustment) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 178.91 399.99 Td ( \(a\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.10 395.22 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 395.22 Td (622) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 380.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 380.22 Td (otal Credit Risk-W) Tj ET Q q 0 0 0 rg BT 147.64 380.22 Td (eighted ) Tj ET Q q 0 0 0 rg BT 185.70 380.22 Td (Assets) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 337.25 380.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 399.30 380.22 Td (68,768) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.25 380.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 527.30 380.22 Td (49,788) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 356.22 Td (Operational Risk-W) Tj ET Q q 0 0 0 rg BT 148.31 356.22 Td (eighted ) Tj ET Q q 0 0 0 rg BT 186.27 356.22 Td (Assets) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 0 0 0 rg BT 219.07 360.99 Td ( \(b\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 413.35 356.22 Td (N/A) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.25 356.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 527.30 356.22 Td (15,290) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 332.22 Td (Market Risk-W) Tj ET Q q 0 0 0 rg BT 125.07 332.22 Td (eighted ) Tj ET Q q 0 0 0 rg BT 163.13 332.22 Td (Assets) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 337.25 332.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 413.20 332.22 Td (157) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.25 332.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 541.20 332.22 Td (157) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 308.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 308.22 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 115.88 308.22 Td (eighted ) Tj ET Q q 0 0 0 rg BT 153.85 308.22 Td (Assets) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 337.25 308.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 399.30 308.22 Td (68,925) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.25 308.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 527.30 308.22 Td (65,235) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 286.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 69.00 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 71.78 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 91.79 286.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 119.02 286.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 161.83 286.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 213.52 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 223.52 286.10 Td (included ) Tj ET Q q 0 0 0 rg BT 263.55 286.10 Td (only ) Tj ET Q q 0 0 0 rg BT 284.67 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.24 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.92 286.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 339.71 286.10 Td (III ) Tj ET Q q 0 0 0 rg BT 350.45 286.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 397.71 286.10 Td (calculations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 274.10 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 69.42 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.62 274.10 Td (Operational ) Tj ET Q q 0 0 0 rg BT 127.51 274.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 189.62 274.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 221.72 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 239.37 274.10 Td (included ) Tj ET Q q 0 0 0 rg BT 279.82 274.10 Td (only ) Tj ET Q q 0 0 0 rg BT 301.36 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.35 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.44 274.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 357.66 274.10 Td (III ) Tj ET Q q 0 0 0 rg BT 368.76 274.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 416.44 274.10 Td (calculations ) Tj ET Q q 0 0 0 rg BT 471.89 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.77 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 509.42 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.52 274.10 Td (result ) Tj ET Q q 0 0 0 rg BT 554.17 274.10 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 72.00 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.31 262.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 135.56 262.10 Td (Measurement ) Tj ET Q q 0 0 0 rg BT 199.11 262.10 Td (Approach ) Tj ET Q q 0 0 0 rg BT 244.70 262.10 Td (\(AMA\), ) Tj ET Q q 0 0 0 rg BT 285.24 262.10 Td (which ) Tj ET Q q 0 0 0 rg BT 313.59 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 323.59 262.10 Td (described ) Tj ET Q q 0 0 0 rg BT 369.72 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.29 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.97 262.10 Td (Operational ) Tj ET Q q 0 0 0 rg BT 451.44 262.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 473.67 262.10 Td (section. ) Tj ET Q q 0 0 0 rg BT 510.91 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 513.68 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 516.46 262.10 Td ( ) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.80 33.25 Td (9 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.01 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.52 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.25 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.92 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.70 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Supplementary Leverage Ratio) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 687.90 Td (The table below presents the components of the Corporation) Tj ET Q q 0 0 0 rg BT 378.64 687.90 Td (s supplementary leverage ratio as ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 673.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 67.34 673.50 Td (March31, 2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 150.73 673.50 Td (. Line items reflecting components of the supplementary leverage ratio that ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 659.10 Td (are not relevant to the Corporation have been omitted.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 638.70 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 638.70 Td (able 7: Summary Comparison of ) Tj ET Q q 0 0 0 rg BT 247.37 638.70 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 316.25 638.70 Td (Assets and T) Tj ET Q q 0 0 0 rg BT 390.05 638.70 Td (otal Leverage Exposure) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 54.50 628.20 364.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 418.50 628.20 144.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 54.50 615.20 104.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 158.50 615.20 260.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 418.50 615.20 144.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 628.2 m 54.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 628.2 m 158.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 615.2 m 158.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 628.2 m 418.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 615.2 m 418.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 628.2 m 468.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 615.2 m 468.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 628.2 m 562.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 628.2 m 562.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 615.2 m 562.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 615.2 m 54.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 615.2 m 158.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 602.2 m 158.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 615.2 m 418.5 615.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 602.2 m 418.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 602.2 m 468.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 615.2 m 562.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 602.2 m 562.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 602.2 m 54.5 588.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 602.2 m 562.5 588.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 602.2 m 562.5 602.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 588.2 m 54.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 588.2 m 562.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 574.2 m 54.5 560.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 574.2 m 562.5 560.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 560.2 m 54.5 546.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 560.2 m 562.5 546.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 546.2 m 54.5 532.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 546.2 m 562.5 532.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 532.2 m 54.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 518.2 m 158.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 518.2 m 418.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 518.2 m 468.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 532.2 m 562.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 518.2 m 562.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 518.2 m 54.5 504.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 518.2 m 158.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 504.2 m 158.5 504.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 518.2 m 418.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 504.2 m 418.5 504.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 518.2 m 468.5 518.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 504.2 m 468.5 504.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 518.2 m 562.5 504.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 504.2 m 562.5 504.2 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 57.00 618.42 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.90 618.42 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 605.42 Td (Line No.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 592.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.00 592.42 Td (T) Tj ET Q q 0 0 0 rg BT 166.55 592.42 Td (otal Consolidated ) Tj ET Q q 0 0 0 rg BT 245.78 592.42 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.50 592.42 Td (129,672) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 578.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.00 578.42 Td (Adjustment for Derivatives Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.60 578.42 Td (3,390) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 564.42 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.00 564.42 Td (Adjustment for Repo-Style ) Tj ET Q q 0 0 0 rg BT 280.41 564.42 Td (T) Tj ET Q q 0 0 0 rg BT 286.24 564.42 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.50 564.42 Td (38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 550.42 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.00 550.42 Td (Adjustment for Of) Tj ET Q q 0 0 0 rg BT 238.72 550.42 Td (f-Balance-Sheet Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 528.05 550.42 Td (14,033) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 536.42 Td (7.a) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.00 536.42 Td (Other ) Tj ET Q q 0 0 0 rg BT 188.51 536.42 Td (Adjustments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.60 536.42 Td (\(869) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 536.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 522.42 Td (7.b) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.00 522.42 Td (Adjustments for Frequency Calculations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.25 522.42 Td (\(5,179) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 522.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.00 508.42 Td (8) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 161.00 508.42 Td (T) Tj ET Q q 0 0 0 rg BT 166.37 508.42 Td (otal Supplementary Leverage Exposures) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 522.50 508.42 Td (141,085) Tj ET Q BT /F1 10.00 Tf ET BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 483.30 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 483.30 Td (able 8: Supplementary Leverage Ratio) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 470.80 233.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 286.75 470.80 275.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 457.80 233.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 286.75 457.80 165.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 451.75 457.80 16.00 -13.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 467.75 457.80 94.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 470.79999999999995 m 53.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 470.79999999999995 m 115.75 470.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 457.79999999999995 m 115.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 470.79999999999995 m 286.75 470.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 457.79999999999995 m 286.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 470.79999999999995 m 451.75 470.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 457.79999999999995 m 451.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 470.79999999999995 m 467.75 470.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 457.79999999999995 m 467.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 470.79999999999995 m 561.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 470.79999999999995 m 561.75 470.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 457.79999999999995 m 561.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 457.79999999999995 m 53.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 457.79999999999995 m 115.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 457.79999999999995 m 286.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 457.79999999999995 m 451.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 457.79999999999995 m 467.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 457.79999999999995 m 561.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 457.79999999999995 m 561.75 457.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 444.79999999999995 m 53.75 430.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 444.79999999999995 m 115.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 444.79999999999995 m 286.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 444.79999999999995 m 451.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 444.79999999999995 m 467.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 444.79999999999995 m 561.75 430.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 444.79999999999995 m 561.75 444.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 430.79999999999995 m 53.75 416.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 430.79999999999995 m 561.75 416.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 416.79999999999995 m 53.75 402.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 416.79999999999995 m 561.75 402.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 402.79999999999995 m 53.75 388.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 402.79999999999995 m 561.75 388.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 388.79999999999995 m 53.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 388.79999999999995 m 561.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 374.79999999999995 m 561.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 374.79999999999995 m 53.75 360.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 374.79999999999995 m 115.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 374.79999999999995 m 286.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 374.79999999999995 m 451.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 374.79999999999995 m 467.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 374.79999999999995 m 561.75 360.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 374.79999999999995 m 561.75 374.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 360.79999999999995 m 53.75 346.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 360.79999999999995 m 561.75 346.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 346.79999999999995 m 53.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 332.79999999999995 m 115.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 332.79999999999995 m 286.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 332.79999999999995 m 451.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 332.79999999999995 m 467.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 346.79999999999995 m 561.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 332.79999999999995 m 561.75 332.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 332.79999999999995 m 53.75 328.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 332.79999999999995 m 561.75 328.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 328.79999999999995 m 53.75 314.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 328.79999999999995 m 561.75 314.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 314.79999999999995 m 53.75 300.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 314.79999999999995 m 561.75 300.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 300.79999999999995 m 53.75 286.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 300.79999999999995 m 561.75 286.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 286.79999999999995 m 53.75 272.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 286.79999999999995 m 561.75 272.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 272.79999999999995 m 53.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 272.79999999999995 m 561.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 258.79999999999995 m 53.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 258.79999999999995 m 115.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 244.79999999999995 m 115.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 258.79999999999995 m 286.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 244.79999999999995 m 286.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 258.79999999999995 m 451.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 244.79999999999995 m 451.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 258.79999999999995 m 467.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 244.79999999999995 m 467.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 258.79999999999995 m 561.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 258.79999999999995 m 561.75 258.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 244.79999999999995 m 561.75 244.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 244.79999999999995 m 53.75 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 244.79999999999995 m 561.75 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 240.79999999999995 m 53.75 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 240.79999999999995 m 561.75 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 226.79999999999995 m 53.75 212.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 226.79999999999995 m 561.75 212.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 212.79999999999995 m 53.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 212.79999999999995 m 561.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 198.79999999999995 m 561.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 198.79999999999995 m 53.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 198.79999999999995 m 115.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 184.79999999999995 m 115.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 198.79999999999995 m 286.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 184.79999999999995 m 286.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 198.79999999999995 m 451.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 184.79999999999995 m 451.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 198.79999999999995 m 467.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 184.79999999999995 m 467.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 198.79999999999995 m 561.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 198.79999999999995 m 561.75 198.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 184.79999999999995 m 561.75 184.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 184.79999999999995 m 53.75 180.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 184.79999999999995 m 561.75 180.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 180.79999999999995 m 53.75 166.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 180.79999999999995 m 561.75 166.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 166.79999999999995 m 53.75 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 166.79999999999995 m 561.75 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 152.79999999999995 m 53.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 152.79999999999995 m 561.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 138.79999999999995 m 561.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 138.79999999999995 m 53.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 138.79999999999995 m 115.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 124.79999999999995 m 115.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 138.79999999999995 m 286.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 124.79999999999995 m 286.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 138.79999999999995 m 451.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 124.79999999999995 m 451.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 138.79999999999995 m 467.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 124.79999999999995 m 467.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 138.79999999999995 m 561.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 138.79999999999995 m 561.75 138.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 124.79999999999995 m 561.75 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 124.79999999999995 m 53.75 120.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 124.79999999999995 m 561.75 120.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 120.79999999999995 m 53.75 106.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 120.79999999999995 m 561.75 106.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 106.79999999999995 m 53.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 106.79999999999995 m 561.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 92.79999999999995 m 561.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 92.79999999999995 m 53.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 92.79999999999995 m 115.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 78.79999999999995 m 115.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 92.79999999999995 m 286.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 78.79999999999995 m 286.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 92.79999999999995 m 451.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 78.79999999999995 m 451.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 92.79999999999995 m 467.75 92.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 78.79999999999995 m 467.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 92.79999999999995 m 561.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 78.79999999999995 m 561.75 78.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 78.79999999999995 m 53.75 74.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 78.79999999999995 m 561.75 74.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 74.79999999999995 m 53.75 60.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 74.79999999999995 m 561.75 60.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 60.799999999999955 m 53.75 46.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 46.799999999999955 m 115.75 46.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.75 46.799999999999955 m 286.75 46.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.75 46.799999999999955 m 451.75 46.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 46.799999999999955 m 467.75 46.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 60.799999999999955 m 561.75 46.799999999999955 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 46.799999999999955 m 561.75 46.799999999999955 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 461.02 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 461.02 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 448.02 Td (Line No.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 435.02 Td (On-Balance-Sheet Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 421.02 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 421.02 Td (On-Balance-Sheet ) Tj ET Q q 0 0 0 rg BT 203.02 421.02 Td (Assets \(excluding on-balance-sheet assets for) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 421.02 Td (122,159) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 407.02 Td ( repo-style transactions and derivative exposures, but including cash) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 393.02 Td ( collateral received in derivative transactions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 379.02 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 379.02 Td (LESS: ) Tj ET Q q 0 0 0 rg BT 151.88 379.02 Td (Amounts Deducted from ) Tj ET Q q 0 0 0 rg BT 262.12 379.02 Td (T) Tj ET Q q 0 0 0 rg BT 267.95 379.02 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.85 379.02 Td (\(869) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.90 379.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 365.02 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 365.02 Td (T) Tj ET Q q 0 0 0 rg BT 123.80 365.02 Td (otal On-Balance-Sheet Exposures \(excluding on-balance-sheet) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 365.02 Td (121,290) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 351.02 Td ( assets for repo-style transactions and derivative exposures, but) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 337.02 Td ( including cash collateral received in derivative transactions\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 319.02 Td (Derivative Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 305.02 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 305.02 Td (Replacement Cost for Derivative Exposures \(that is, net of cash variation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 305.02 Td (890) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 291.02 Td ( margin\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 277.02 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 277.02 Td (Add-On ) Tj ET Q q 0 0 0 rg BT 155.22 277.02 Td (Amounts for Potential Future Exposure \(PFE\) for Derivative) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 277.02 Td (3,390) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 263.02 Td ( Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 249.02 Td (1) Tj ET Q q 0 0 0 rg BT 61.81 249.02 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 249.02 Td (T) Tj ET Q q 0 0 0 rg BT 123.80 249.02 Td (otal Derivative Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 249.02 Td (4,280) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 231.02 Td (Repo-Style T) Tj ET Q q 0 0 0 rg BT 117.09 231.02 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 217.02 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 217.02 Td (On-Balance-Sheet ) Tj ET Q q 0 0 0 rg BT 203.02 217.02 Td (Assets for Repo-Style ) Tj ET Q q 0 0 0 rg BT 302.14 217.02 Td (T) Tj ET Q q 0 0 0 rg BT 307.97 217.02 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 217.02 Td (1,444) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 203.02 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 203.02 Td (Counterparty Credit Risk for ) Tj ET Q q 0 0 0 rg BT 244.68 203.02 Td (All Repo-Style ) Tj ET Q q 0 0 0 rg BT 310.45 203.02 Td (T) Tj ET Q q 0 0 0 rg BT 316.29 203.02 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 203.02 Td (38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 189.02 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 189.02 Td (T) Tj ET Q q 0 0 0 rg BT 123.80 189.02 Td (otal Exposures for Repo-Style ) Tj ET Q q 0 0 0 rg BT 258.78 189.02 Td (T) Tj ET Q q 0 0 0 rg BT 264.61 189.02 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 189.02 Td (1,482) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 171.02 Td (Other Off-Balance-Sheet Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 157.02 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 157.02 Td (Of) Tj ET Q q 0 0 0 rg BT 128.72 157.02 Td (f-Balance-Sheet Exposures at Gross Notional ) Tj ET Q q 0 0 0 rg BT 332.90 157.02 Td (Amounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 157.02 Td (28,902) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 143.02 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 143.02 Td (LESS: ) Tj ET Q q 0 0 0 rg BT 149.10 143.02 Td (Adjustments for Conversion to Credit Equivalent ) Tj ET Q q 0 0 0 rg BT 364.21 143.02 Td (Amounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.95 143.02 Td (\(14,869) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.90 143.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 129.02 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 129.02 Td (Of) Tj ET Q q 0 0 0 rg BT 128.72 129.02 Td (f-Balance-Sheet Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 129.02 Td (14,033) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 111.02 Td (Capital and T) Tj ET Q q 0 0 0 rg BT 118.66 111.02 Td (otal Leverage Exposure) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 97.02 Td (20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 97.02 Td (T) Tj ET Q q 0 0 0 rg BT 124.17 97.02 Td (ier 1 Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 97.02 Td (9,357) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 83.02 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 83.02 Td (T) Tj ET Q q 0 0 0 rg BT 123.80 83.02 Td (otal Leverage Exposure) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 83.02 Td (141,085) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 65.02 Td (Supplementary Leverage Ratio) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 51.02 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.25 51.02 Td (Supplementary Leverage Ratio) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.25 51.02 Td (6.6%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (10 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The Northern T) Tj ET Q q 0 0 0 rg BT 139.34 711.30 Td (rust Company and Our Other Subsidiaries) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (The ) Tj ET Q q 0 0 0 rg BT 77.93 682.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 108.52 682.50 Td (is ) Tj ET Q q 0 0 0 rg BT 120.44 682.50 Td (an ) Tj ET Q q 0 0 0 rg BT 137.03 682.50 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 173.63 682.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 218.91 682.50 Td (corporation ) Tj ET Q q 0 0 0 rg BT 282.19 682.50 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 363.50 682.50 Td (in ) Tj ET Q q 0 0 0 rg BT 376.09 682.50 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 426.70 682.50 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 466.63 682.50 Td (and, ) Tj ET Q q 0 0 0 rg BT 493.23 682.50 Td (as ) Tj ET Q q 0 0 0 rg BT 509.15 682.50 Td (discussed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 93.92 668.10 Td (is ) Tj ET Q q 0 0 0 rg BT 106.47 668.10 Td (our ) Tj ET Q q 0 0 0 rg BT 127.71 668.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 176.29 668.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 229.42 668.10 Td (. ) Tj ET Q q 0 0 0 rg BT 236.64 668.10 Td (Founded ) Tj ET Q q 0 0 0 rg BT 287.90 668.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.13 668.10 Td (1889, ) Tj ET Q q 0 0 0 rg BT 335.05 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.62 668.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 386.86 668.10 Td (conducts ) Tj ET Q q 0 0 0 rg BT 438.78 668.10 Td (its ) Tj ET Q q 0 0 0 rg BT 454.67 668.10 Td (business ) Tj ET Q q 0 0 0 rg BT 505.92 668.10 Td (through ) Tj ET Q q 0 0 0 rg BT 550.51 668.10 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 80.22 653.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 139.14 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 162.05 653.70 Td (its ) Tj ET Q q 0 0 0 rg BT 176.93 653.70 Td (various ) Tj ET Q q 0 0 0 rg BT 218.50 653.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 244.72 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 267.62 653.70 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 317.86 653.70 Td (branches ) Tj ET Q q 0 0 0 rg BT 370.11 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 393.01 653.70 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 462.02 653.70 Td (At ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 476.24 653.70 Td (March31, ) Tj ET Q q 0 0 0 rg BT 532.48 653.70 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 559.17 653.70 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (the ) Tj ET Q q 0 0 0 rg BT 74.02 639.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 104.70 639.30 Td (had ) Tj ET Q q 0 0 0 rg BT 128.06 639.30 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 198.77 639.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 236.79 639.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 250.13 639.30 Td ($129.2 ) Tj ET Q q 0 0 0 rg BT 290.17 639.30 Td (billion) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 320.85 639.30 Td ( ) Tj ET Q q 0 0 0 rg BT 324.19 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 347.54 639.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 382.90 639.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 420.92 639.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 434.26 639.30 Td ($9.4 ) Tj ET Q q 0 0 0 rg BT 460.95 639.30 Td (billion) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 491.64 639.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (It ) Tj ET Q q 0 0 0 rg BT 63.61 610.50 Td (is ) Tj ET Q q 0 0 0 rg BT 75.22 610.50 Td (expected ) Tj ET Q q 0 0 0 rg BT 126.87 610.50 Td (that ) Tj ET Q q 0 0 0 rg BT 149.83 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 169.45 610.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 199.75 610.50 Td (will ) Tj ET Q q 0 0 0 rg BT 219.35 610.50 Td (continue ) Tj ET Q q 0 0 0 rg BT 267.67 610.50 Td (to ) Tj ET Q q 0 0 0 rg BT 280.62 610.50 Td (be ) Tj ET Q q 0 0 0 rg BT 296.91 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 316.53 610.50 Td (major ) Tj ET Q q 0 0 0 rg BT 349.48 610.50 Td (source ) Tj ET Q q 0 0 0 rg BT 388.44 610.50 Td (of ) Tj ET Q q 0 0 0 rg BT 401.39 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 421.02 610.50 Td (Corporation) Tj ET Q q 0 0 0 rg BT 486.17 610.50 Td (s ) Tj ET Q q 0 0 0 rg BT 495.11 610.50 Td (consolidated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.35 596.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 148.05 596.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.40 596.10 Td (net ) Tj ET Q q 0 0 0 rg BT 191.42 596.10 Td (income ) Tj ET Q q 0 0 0 rg BT 233.44 596.10 Td (in ) Tj ET Q q 0 0 0 rg BT 246.11 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.13 596.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 332.17 596.10 Td (future.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (The ) Tj ET Q q 0 0 0 rg BT 78.01 567.30 Td (Bank) Tj ET Q q 0 0 0 rg BT 107.81 567.30 Td (s ) Tj ET Q q 0 0 0 rg BT 117.15 567.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 155.17 567.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 187.85 567.30 Td (at ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 201.19 567.30 Td (March31, ) Tj ET Q q 0 0 0 rg BT 257.88 567.30 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 284.57 567.30 Td (, ) Tj ET Q q 0 0 0 rg BT 291.24 567.30 Td (are ) Tj ET Q q 0 0 0 rg BT 311.92 567.30 Td (shown ) Tj ET Q q 0 0 0 rg BT 349.94 567.30 Td (in ) Tj ET Q q 0 0 0 rg BT 362.61 567.30 Td (the ) Tj ET Q q 0 0 0 rg BT 382.63 567.30 Td (following ) Tj ET Q q 0 0 0 rg BT 432.66 567.30 Td (table.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 538.50 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 538.50 Td (9: ) Tj ET Q q 0 0 0 rg BT 101.79 538.50 Td (The ) Tj ET Q q 0 0 0 rg BT 126.46 538.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 180.46 538.50 Td (T) Tj ET Q q 0 0 0 rg BT 187.13 538.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 213.13 538.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 271.14 538.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 314.48 538.50 Td (Ratios ) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 528.00 164.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 217.75 528.00 63.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 280.75 528.00 281.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 513.00 164.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 217.75 513.00 63.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 280.75 513.00 281.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 528 m 53.75 513 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 528 m 217.75 528 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.75 528 m 280.75 528 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 528 m 387.75 528 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 528 m 467.75 528 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 528 m 561.75 513 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 528 m 561.75 528 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 513 m 53.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 498 m 217.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.75 498 m 280.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 498 m 387.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 498 m 467.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 513 m 561.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 498 m 561.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 498 m 53.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 498 m 217.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 475 m 217.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.75 498 m 280.75 498 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.75 475 m 280.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 475 m 387.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 475 m 467.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 498 m 561.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 475 m 561.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 475 m 53.75 460 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 475 m 217.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.75 475 m 280.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 475 m 387.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 475 m 467.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 475 m 561.75 460 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 475 m 561.75 475 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 460 m 53.75 445 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 460 m 561.75 445 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 445 m 53.75 430 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 445 m 561.75 430 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 430 m 53.75 415 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 430 m 561.75 415 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 415 m 53.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 415 m 561.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 400 m 53.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 385 m 217.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.75 385 m 280.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 385 m 387.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 385 m 467.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 400 m 561.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 385 m 561.75 385 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.75 517.62 Td (The Northern ) Tj ET Q q 0 0 0 rg BT 490.35 517.62 Td (T) Tj ET Q q 0 0 0 rg BT 496.19 517.62 Td (rust Company) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 502.62 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 294.70 488.22 Td ( Basel Standardized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.90 478.22 Td (T) Tj ET Q q 0 0 0 rg BT 338.82 478.22 Td (ransitional) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.75 488.22 Td ( Basel ) Tj ET Q q 0 0 0 rg BT 513.77 488.22 Td (Advanced ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 506.90 478.22 Td (T) Tj ET Q q 0 0 0 rg BT 512.64 478.22 Td (ransitional ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 464.62 Td (Capital Ratios) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 449.62 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 130.08 449.62 Td (T) Tj ET Q q 0 0 0 rg BT 135.91 449.62 Td (ier 1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.85 449.62 Td (12.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.35 449.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 449.62 Td (13.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 449.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 434.62 Td (T) Tj ET Q q 0 0 0 rg BT 62.17 434.62 Td (ier 1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.85 434.62 Td (12.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.35 434.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 434.62 Td (13.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 434.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 419.62 Td (T) Tj ET Q q 0 0 0 rg BT 61.80 419.62 Td (otal Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.85 419.62 Td (14.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.35 419.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 419.62 Td (15.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 419.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 404.62 Td (T) Tj ET Q q 0 0 0 rg BT 62.17 404.62 Td (ier 1 Leverage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.40 404.62 Td (7.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.35 404.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.40 404.62 Td (7.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 404.62 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 389.62 Td (Supplementary Leverage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.10 389.62 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.40 389.62 Td (6.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 389.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 359.10 Td (The ) Tj ET Q q 0 0 0 rg BT 77.58 359.10 Td (Corporation) Tj ET Q q 0 0 0 rg BT 142.74 359.10 Td (s ) Tj ET Q q 0 0 0 rg BT 151.64 359.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 208.57 359.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 243.50 359.10 Td (located ) Tj ET Q q 0 0 0 rg BT 285.10 359.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 326.71 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.30 359.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 372.54 359.10 Td (are ) Tj ET Q q 0 0 0 rg BT 392.79 359.10 Td (also ) Tj ET Q q 0 0 0 rg BT 417.71 359.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 458.64 359.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.56 359.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 527.83 359.10 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 344.70 Td (requirements ) Tj ET Q q 0 0 0 rg BT 127.87 344.70 Td (in ) Tj ET Q q 0 0 0 rg BT 141.04 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 161.55 344.70 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 228.08 344.70 Td (in ) Tj ET Q q 0 0 0 rg BT 241.25 344.70 Td (which ) Tj ET Q q 0 0 0 rg BT 275.77 344.70 Td (they ) Tj ET Q q 0 0 0 rg BT 302.28 344.70 Td (operate. ) Tj ET Q q 0 0 0 rg BT 349.39 344.70 Td (As ) Tj ET Q q 0 0 0 rg BT 367.22 344.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 381.07 344.70 Td (March31, ) Tj ET Q q 0 0 0 rg BT 438.26 344.70 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 464.95 344.70 Td (, ) Tj ET Q q 0 0 0 rg BT 472.12 344.70 Td (each ) Tj ET Q q 0 0 0 rg BT 501.97 344.70 Td (of ) Tj ET Q q 0 0 0 rg BT 515.82 344.70 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 330.30 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 330.30 Td (rust) Tj ET Q q 0 0 0 rg BT 83.34 330.30 Td (s ) Tj ET Q q 0 0 0 rg BT 96.21 330.30 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 169.78 330.30 Td (including ) Tj ET Q q 0 0 0 rg BT 224.02 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 247.58 330.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 285.14 330.30 Td (had ) Tj ET Q q 0 0 0 rg BT 312.03 330.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 353.59 330.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 389.81 330.30 Td (above ) Tj ET Q q 0 0 0 rg BT 429.38 330.30 Td (their ) Tj ET Q q 0 0 0 rg BT 459.60 330.30 Td (specified ) Tj ET Q q 0 0 0 rg BT 513.83 330.30 Td (minimum ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 315.90 Td (requirements. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 287.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 287.10 Td (Refer ) Tj ET Q q 0 0 0 rg BT 122.95 287.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.56 287.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 165.52 287.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 185.80 287.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 228.76 287.10 Td (on ) Tj ET Q q 0 0 0 rg BT 245.72 287.10 Td (page ) Tj ET Q q 0 0 0 rg BT 276.02 287.10 Td (153, ) Tj ET Q q 0 0 0 rg BT 302.98 287.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.59 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.88 287.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 407.87 287.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 455.50 287.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 517.80 287.10 Td (included ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 272.70 Td (within ) Tj ET Q q 0 0 0 rg BT 123.75 272.70 Td (the ) Tj ET Q q 0 0 0 rg BT 143.49 272.70 Td (Corporation) Tj ET Q q 0 0 0 rg BT 208.64 272.70 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 217.71 272.70 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 244.40 272.70 Td ( ) Tj ET Q q 0 0 0 rg BT 246.86 272.70 Td (Annual ) Tj ET Q q 0 0 0 rg BT 287.29 272.70 Td (Report ) Tj ET Q q 0 0 0 rg BT 326.37 272.70 Td (and ) Tj ET Q q 0 0 0 rg BT 349.46 272.70 Td (page ) Tj ET Q q 0 0 0 rg BT 379.22 272.70 Td (9 ) Tj ET Q q 0 0 0 rg BT 388.96 272.70 Td (of ) Tj ET Q q 0 0 0 rg BT 402.03 272.70 Td (the ) Tj ET Q q 0 0 0 rg BT 421.78 272.70 Td (Corporation) Tj ET Q q 0 0 0 rg BT 486.93 272.70 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 496.00 272.70 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 522.69 272.70 Td ( ) Tj ET Q q 0 0 0 rg BT 525.15 272.70 Td (Annual ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 258.30 Td (Report ) Tj ET Q q 0 0 0 rg BT 130.60 258.30 Td (for ) Tj ET Q q 0 0 0 rg BT 149.18 258.30 Td (a ) Tj ET Q q 0 0 0 rg BT 160.43 258.30 Td (description ) Tj ET Q q 0 0 0 rg BT 223.04 258.30 Td (of ) Tj ET Q q 0 0 0 rg BT 237.62 258.30 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 300.21 258.30 Td (on ) Tj ET Q q 0 0 0 rg BT 318.14 258.30 Td (transactions ) Tj ET Q q 0 0 0 rg BT 387.42 258.30 Td (between ) Tj ET Q q 0 0 0 rg BT 437.36 258.30 Td (the ) Tj ET Q q 0 0 0 rg BT 458.62 258.30 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 525.90 258.30 Td (and ) Tj ET Q q 0 0 0 rg BT 550.50 258.30 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 243.90 Td (subsidiaries.) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 305.00 33.25 Td (1) Tj ET Q q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 309.82 33.25 Td (1 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.03 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.54 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.72 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Capital ) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 104.05 709.85 Td (Adequacy) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (One ) Tj ET Q q 0 0 0 rg BT 81.17 681.05 Td (of ) Tj ET Q q 0 0 0 rg BT 95.66 681.05 Td (Northern ) Tj ET Q q 0 0 0 rg BT 146.54 681.05 Td (T) Tj ET Q q 0 0 0 rg BT 153.42 681.05 Td (rust) Tj ET Q q 0 0 0 rg BT 175.87 681.05 Td (s ) Tj ET Q q 0 0 0 rg BT 186.36 681.05 Td (primary ) Tj ET Q q 0 0 0 rg BT 230.84 681.05 Td (objectives ) Tj ET Q q 0 0 0 rg BT 288.69 681.05 Td (is ) Tj ET Q q 0 0 0 rg BT 301.84 681.05 Td (to ) Tj ET Q q 0 0 0 rg BT 316.33 681.05 Td (maintain ) Tj ET Q q 0 0 0 rg BT 366.17 681.05 Td (a ) Tj ET Q q 0 0 0 rg BT 377.33 681.05 Td (strong ) Tj ET Q q 0 0 0 rg BT 415.16 681.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 454.33 681.05 Td (position ) Tj ET Q q 0 0 0 rg BT 500.18 681.05 Td (to ) Tj ET Q q 0 0 0 rg BT 514.67 681.05 Td (merit ) Tj ET Q q 0 0 0 rg BT 545.82 681.05 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 666.65 Td (confidence ) Tj ET Q q 0 0 0 rg BT 117.65 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 133.26 666.65 Td (clients, ) Tj ET Q q 0 0 0 rg BT 176.21 666.65 Td (counterparties, ) Tj ET Q q 0 0 0 rg BT 261.19 666.65 Td (creditors, ) Tj ET Q q 0 0 0 rg BT 316.14 666.65 Td (regulators ) Tj ET Q q 0 0 0 rg BT 375.10 666.65 Td (and ) Tj ET Q q 0 0 0 rg BT 400.72 666.65 Td (stockholders. ) Tj ET Q q 0 0 0 rg BT 475.91 666.65 Td (A) Tj ET Q q 0 0 0 rg BT 483.25 666.65 Td ( ) Tj ET Q q 0 0 0 rg BT 488.86 666.65 Td (strong ) Tj ET Q q 0 0 0 rg BT 527.81 666.65 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (position ) Tj ET Q q 0 0 0 rg BT 103.95 652.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 141.23 652.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 195.95 652.25 Td (T) Tj ET Q q 0 0 0 rg BT 202.84 652.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 231.44 652.25 Td (execute ) Tj ET Q q 0 0 0 rg BT 282.06 652.25 Td (its ) Tj ET Q q 0 0 0 rg BT 302.65 652.25 Td (strategies ) Tj ET Q q 0 0 0 rg BT 363.27 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.88 652.25 Td (withstand ) Tj ET Q q 0 0 0 rg BT 451.17 652.25 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 519.81 652.25 Td (adverse ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (developments.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 609.05 Td (In ) Tj ET Q q 0 0 0 rg BT 69.92 609.05 Td (addition ) Tj ET Q q 0 0 0 rg BT 117.88 609.05 Td (to ) Tj ET Q q 0 0 0 rg BT 133.80 609.05 Td (the ) Tj ET Q q 0 0 0 rg BT 156.40 609.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 180.97 609.05 Td (management ) Tj ET Q q 0 0 0 rg BT 256.93 609.05 Td (organization ) Tj ET Q q 0 0 0 rg BT 328.23 609.05 Td (and ) Tj ET Q q 0 0 0 rg BT 354.17 609.05 Td (activities ) Tj ET Q q 0 0 0 rg BT 406.10 609.05 Td (described ) Tj ET Q q 0 0 0 rg BT 464.04 609.05 Td (below ) Tj ET Q q 0 0 0 rg BT 501.31 609.05 Td (in ) Tj ET Q q 0 0 0 rg BT 516.57 609.05 Td (the ) Tj ET Q q 0 0 0 rg BT 539.17 609.05 Td (Risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 594.65 Td (Management ) Tj ET Q q 0 0 0 rg BT 127.96 594.65 Td (Overview ) Tj ET Q q 0 0 0 rg BT 181.88 594.65 Td (section, ) Tj ET Q q 0 0 0 rg BT 227.14 594.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 277.49 594.65 Td (T) Tj ET Q q 0 0 0 rg BT 284.37 594.65 Td (rust ) Tj ET Q q 0 0 0 rg BT 308.29 594.65 Td (manages ) Tj ET Q q 0 0 0 rg BT 361.57 594.65 Td (its ) Tj ET Q q 0 0 0 rg BT 377.48 594.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 416.08 594.65 Td (on ) Tj ET Q q 0 0 0 rg BT 433.34 594.65 Td (both ) Tj ET Q q 0 0 0 rg BT 460.61 594.65 Td (a ) Tj ET Q q 0 0 0 rg BT 471.19 594.65 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 542.49 594.65 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 85.85 580.25 Td (entity ) Tj ET Q q 0 0 0 rg BT 121.04 580.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 158.46 580.25 Td (The ) Tj ET Q q 0 0 0 rg BT 185.64 580.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 229.50 580.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 294.01 580.25 Td (is ) Tj ET Q q 0 0 0 rg BT 309.18 580.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 377.05 580.25 Td (for ) Tj ET Q q 0 0 0 rg BT 397.56 580.25 Td (measuring ) Tj ET Q q 0 0 0 rg BT 460.09 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 486.61 580.25 Td (managing ) Tj ET Q q 0 0 0 rg BT 545.82 580.25 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 565.85 Td (Corporation) Tj ET Q q 0 0 0 rg BT 119.15 565.85 Td (s ) Tj ET Q q 0 0 0 rg BT 128.33 565.85 Td (and ) Tj ET Q q 0 0 0 rg BT 151.53 565.85 Td (Bank) Tj ET Q q 0 0 0 rg BT 181.33 565.85 Td (s ) Tj ET Q q 0 0 0 rg BT 190.52 565.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 228.38 565.85 Td (ratios ) Tj ET Q q 0 0 0 rg BT 260.91 565.85 Td (against ) Tj ET Q q 0 0 0 rg BT 302.79 565.85 Td (levels ) Tj ET Q q 0 0 0 rg BT 336.65 565.85 Td (set ) Tj ET Q q 0 0 0 rg BT 355.84 565.85 Td (forth ) Tj ET Q q 0 0 0 rg BT 383.03 565.85 Td (within ) Tj ET Q q 0 0 0 rg BT 416.89 565.85 Td (the ) Tj ET Q q 0 0 0 rg BT 436.75 565.85 Td (Capital ) Tj ET Q q 0 0 0 rg BT 477.29 565.85 Td (Policy ) Tj ET Q q 0 0 0 rg BT 512.48 565.85 Td (approved ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 551.45 Td (by ) Tj ET Q q 0 0 0 rg BT 70.01 551.45 Td (the ) Tj ET Q q 0 0 0 rg BT 90.02 551.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 130.71 551.45 Td (Governance ) Tj ET Q q 0 0 0 rg BT 199.42 551.45 Td (Committee ) Tj ET Q q 0 0 0 rg BT 260.77 551.45 Td (of ) Tj ET Q q 0 0 0 rg BT 274.11 551.45 Td (the ) Tj ET Q q 0 0 0 rg BT 294.12 551.45 Td (Board ) Tj ET Q q 0 0 0 rg BT 329.48 551.45 Td (of ) Tj ET Q q 0 0 0 rg BT 342.82 551.45 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 397.49 551.45 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 537.05 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 522.65 Td (Senior ) Tj ET Q q 0 0 0 rg BT 93.71 522.65 Td (management, ) Tj ET Q q 0 0 0 rg BT 172.11 522.65 Td (with ) Tj ET Q q 0 0 0 rg BT 198.47 522.65 Td (oversight ) Tj ET Q q 0 0 0 rg BT 252.18 522.65 Td (from ) Tj ET Q q 0 0 0 rg BT 281.21 522.65 Td (the ) Tj ET Q q 0 0 0 rg BT 302.91 522.65 Td (Capital ) Tj ET Q q 0 0 0 rg BT 345.28 522.65 Td (Governance ) Tj ET Q q 0 0 0 rg BT 415.68 522.65 Td (Committee ) Tj ET Q q 0 0 0 rg BT 478.72 522.65 Td (of ) Tj ET Q q 0 0 0 rg BT 493.75 522.65 Td (the ) Tj ET Q q 0 0 0 rg BT 515.45 522.65 Td (Board ) Tj ET Q q 0 0 0 rg BT 552.49 522.65 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 508.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 106.44 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 130.89 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.00 508.25 Td (full ) Tj ET Q q 0 0 0 rg BT 171.77 508.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 208.22 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 222.66 508.25 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 278.43 508.25 Td (is ) Tj ET Q q 0 0 0 rg BT 291.52 508.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 357.32 508.25 Td (for ) Tj ET Q q 0 0 0 rg BT 375.76 508.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 414.87 508.25 Td (management ) Tj ET Q q 0 0 0 rg BT 489.35 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 513.80 508.25 Td (planning. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 493.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 105.67 493.85 Td (T) Tj ET Q q 0 0 0 rg BT 112.55 493.85 Td (rust) Tj ET Q q 0 0 0 rg BT 135.01 493.85 Td (s ) Tj ET Q q 0 0 0 rg BT 146.34 493.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 186.35 493.85 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 243.73 493.85 Td (assessment ) Tj ET Q q 0 0 0 rg BT 313.08 493.85 Td (process, ) Tj ET Q q 0 0 0 rg BT 363.76 493.85 Td (overseen ) Tj ET Q q 0 0 0 rg BT 418.46 493.85 Td (by ) Tj ET Q q 0 0 0 rg BT 436.46 493.85 Td (the ) Tj ET Q q 0 0 0 rg BT 458.47 493.85 Td (Capital ) Tj ET Q q 0 0 0 rg BT 501.15 493.85 Td (Committee, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 479.45 Td (provides ) Tj ET Q q 0 0 0 rg BT 102.21 479.45 Td (the ) Tj ET Q q 0 0 0 rg BT 121.74 479.45 Td (framework ) Tj ET Q q 0 0 0 rg BT 180.60 479.45 Td (for ) Tj ET Q q 0 0 0 rg BT 197.46 479.45 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 255.02 479.45 Td (the ) Tj ET Q q 0 0 0 rg BT 274.56 479.45 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 329.45 479.45 Td (of ) Tj ET Q q 0 0 0 rg BT 342.31 479.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 379.85 479.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 413.38 479.45 Td (against ) Tj ET Q q 0 0 0 rg BT 454.93 479.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 492.47 479.45 Td (requirements ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 465.05 Td (for ) Tj ET Q q 0 0 0 rg BT 72.02 465.05 Td (both ) Tj ET Q q 0 0 0 rg BT 99.39 465.05 Td (the ) Tj ET Q q 0 0 0 rg BT 120.09 465.05 Td (current ) Tj ET Q q 0 0 0 rg BT 161.46 465.05 Td (and ) Tj ET Q q 0 0 0 rg BT 185.50 465.05 Td (projected ) Tj ET Q q 0 0 0 rg BT 238.88 465.05 Td (periods ) Tj ET Q q 0 0 0 rg BT 282.26 465.05 Td (given ) Tj ET Q q 0 0 0 rg BT 314.96 465.05 Td (its ) Tj ET Q q 0 0 0 rg BT 330.98 465.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 353.66 465.05 Td (profile ) Tj ET Q q 0 0 0 rg BT 390.36 465.05 Td (and ) Tj ET Q q 0 0 0 rg BT 414.40 465.05 Td (business ) Tj ET Q q 0 0 0 rg BT 465.78 465.05 Td (growth ) Tj ET Q q 0 0 0 rg BT 505.81 465.05 Td (objectives. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 450.65 Td (The ) Tj ET Q q 0 0 0 rg BT 78.01 450.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 116.03 450.65 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 171.41 450.65 Td (assessment ) Tj ET Q q 0 0 0 rg BT 238.77 450.65 Td (process ) Tj ET Q q 0 0 0 rg BT 284.12 450.65 Td (contains ) Tj ET Q q 0 0 0 rg BT 332.15 450.65 Td (three ) Tj ET Q q 0 0 0 rg BT 362.84 450.65 Td (main ) Tj ET Q q 0 0 0 rg BT 392.18 450.65 Td (components:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 421.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 421.85 Td (assessing ) Tj ET Q q 0 0 0 rg BT 146.70 421.85 Td (required ) Tj ET Q q 0 0 0 rg BT 194.06 421.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 232.08 421.85 Td (needs ) Tj ET Q q 0 0 0 rg BT 268.11 421.85 Td (for ) Tj ET Q q 0 0 0 rg BT 285.45 421.85 Td (risks ) Tj ET Q q 0 0 0 rg BT 313.44 421.85 Td (that ) Tj ET Q q 0 0 0 rg BT 336.79 421.85 Td (can ) Tj ET Q q 0 0 0 rg BT 359.47 421.85 Td (be ) Tj ET Q q 0 0 0 rg BT 376.15 421.85 Td (reliably ) Tj ET Q q 0 0 0 rg BT 417.50 421.85 Td (quantified;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 407.45 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 407.45 Td (understanding ) Tj ET Q q 0 0 0 rg BT 170.64 407.45 Td (the ) Tj ET Q q 0 0 0 rg BT 191.90 407.45 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 248.50 407.45 Td (of ) Tj ET Q q 0 0 0 rg BT 263.09 407.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 314.06 407.45 Td (T) Tj ET Q q 0 0 0 rg BT 320.94 407.45 Td (rust) Tj ET Q q 0 0 0 rg BT 343.40 407.45 Td (s ) Tj ET Q q 0 0 0 rg BT 353.98 407.45 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 407.92 407.45 Td (balance ) Tj ET Q q 0 0 0 rg BT 454.54 407.45 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 491.81 407.45 Td (risk-weighted ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 393.05 Td (assets ) Tj ET Q q 0 0 0 rg BT 127.48 393.05 Td (and ) Tj ET Q q 0 0 0 rg BT 150.29 393.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 187.78 393.05 Td (ratios ) Tj ET Q q 0 0 0 rg BT 219.91 393.05 Td (to ) Tj ET Q q 0 0 0 rg BT 232.72 393.05 Td (current ) Tj ET Q q 0 0 0 rg BT 272.86 393.05 Td (or ) Tj ET Q q 0 0 0 rg BT 286.32 393.05 Td (potential ) Tj ET Q q 0 0 0 rg BT 334.49 393.05 Td (changes ) Tj ET Q q 0 0 0 rg BT 382.65 393.05 Td (in ) Tj ET Q q 0 0 0 rg BT 394.79 393.05 Td (Northern ) Tj ET Q q 0 0 0 rg BT 444.09 393.05 Td (T) Tj ET Q q 0 0 0 rg BT 450.97 393.05 Td (rust) Tj ET Q q 0 0 0 rg BT 473.43 393.05 Td (s ) Tj ET Q q 0 0 0 rg BT 482.22 393.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 503.68 393.05 Td (profile ) Tj ET Q q 0 0 0 rg BT 539.16 393.05 Td (and/) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 378.65 Td (or ) Tj ET Q q 0 0 0 rg BT 104.00 378.65 Td (economic ) Tj ET Q q 0 0 0 rg BT 158.70 378.65 Td (conditions; ) Tj ET Q q 0 0 0 rg BT 219.40 378.65 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 364.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 364.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 147.51 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 167.00 364.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 215.17 364.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 253.32 364.25 Td (of ) Tj ET Q q 0 0 0 rg BT 266.13 364.25 Td (all ) Tj ET Q q 0 0 0 rg BT 280.94 364.25 Td (material ) Tj ET Q q 0 0 0 rg BT 326.42 364.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 353.88 364.25 Td (on ) Tj ET Q q 0 0 0 rg BT 370.04 364.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 419.34 364.25 Td (T) Tj ET Q q 0 0 0 rg BT 426.23 364.25 Td (rust) Tj ET Q q 0 0 0 rg BT 448.68 364.25 Td (s ) Tj ET Q q 0 0 0 rg BT 457.49 364.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 494.98 364.25 Td (position, ) Tj ET Q q 0 0 0 rg BT 542.47 364.25 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 349.85 Td (its ) Tj ET Q q 0 0 0 rg BT 107.76 349.85 Td (resulting ) Tj ET Q q 0 0 0 rg BT 158.89 349.85 Td (ability ) Tj ET Q q 0 0 0 rg BT 195.33 349.85 Td (to ) Tj ET Q q 0 0 0 rg BT 211.10 349.85 Td (meet ) Tj ET Q q 0 0 0 rg BT 243.55 349.85 Td (its ) Tj ET Q q 0 0 0 rg BT 261.31 349.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 301.76 349.85 Td (management ) Tj ET Q q 0 0 0 rg BT 377.57 349.85 Td (objectives ) Tj ET Q q 0 0 0 rg BT 436.70 349.85 Td (under ) Tj ET Q q 0 0 0 rg BT 473.15 349.85 Td (a ) Tj ET Q q 0 0 0 rg BT 485.59 349.85 Td (wide ) Tj ET Q q 0 0 0 rg BT 516.04 349.85 Td (range ) Tj ET Q q 0 0 0 rg BT 552.49 349.85 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 335.45 Td (scenarios, ) Tj ET Q q 0 0 0 rg BT 148.03 335.45 Td (including ) Tj ET Q q 0 0 0 rg BT 198.73 335.45 Td (severely ) Tj ET Q q 0 0 0 rg BT 246.74 335.45 Td (stressful ) Tj ET Q q 0 0 0 rg BT 294.76 335.45 Td (conditions.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 306.65 Td (The ) Tj ET Q q 0 0 0 rg BT 78.24 306.65 Td (stress ) Tj ET Q q 0 0 0 rg BT 113.80 306.65 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 168.71 306.65 Td (included ) Tj ET Q q 0 0 0 rg BT 216.97 306.65 Td (in ) Tj ET Q q 0 0 0 rg BT 229.87 306.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 279.89 306.65 Td (T) Tj ET Q q 0 0 0 rg BT 286.77 306.65 Td (rust) Tj ET Q q 0 0 0 rg BT 309.23 306.65 Td (s ) Tj ET Q q 0 0 0 rg BT 318.78 306.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 357.03 306.65 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 412.63 306.65 Td (assessments ) Tj ET Q q 0 0 0 rg BT 486.22 306.65 Td (are ) Tj ET Q q 0 0 0 rg BT 507.12 306.65 Td (developed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 292.25 Td (with ) Tj ET Q q 0 0 0 rg BT 78.04 292.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 152.13 292.25 Td (given ) Tj ET Q q 0 0 0 rg BT 183.52 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 196.23 292.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 245.45 292.25 Td (T) Tj ET Q q 0 0 0 rg BT 252.33 292.25 Td (rust) Tj ET Q q 0 0 0 rg BT 274.78 292.25 Td (s ) Tj ET Q q 0 0 0 rg BT 283.49 292.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 304.85 292.25 Td (profile, ) Tj ET Q q 0 0 0 rg BT 343.58 292.25 Td (key ) Tj ET Q q 0 0 0 rg BT 364.95 292.25 Td (vulnerabilities, ) Tj ET Q q 0 0 0 rg BT 443.70 292.25 Td (business ) Tj ET Q q 0 0 0 rg BT 493.76 292.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 542.48 292.25 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 277.85 Td (strategic ) Tj ET Q q 0 0 0 rg BT 102.95 277.85 Td (plans, ) Tj ET Q q 0 0 0 rg BT 138.57 277.85 Td (and ) Tj ET Q q 0 0 0 rg BT 162.19 277.85 Td (can ) Tj ET Q q 0 0 0 rg BT 185.14 277.85 Td (include ) Tj ET Q q 0 0 0 rg BT 226.77 277.85 Td (both ) Tj ET Q q 0 0 0 rg BT 253.72 277.85 Td (stressful ) Tj ET Q q 0 0 0 rg BT 302.00 277.85 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 390.29 277.85 Td (conditions ) Tj ET Q q 0 0 0 rg BT 447.93 277.85 Td (and ) Tj ET Q q 0 0 0 rg BT 471.55 277.85 Td (idiosyncratic ) Tj ET Q q 0 0 0 rg BT 541.17 277.85 Td (loss ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 263.45 Td (events. ) Tj ET Q q 0 0 0 rg BT 95.58 263.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 144.96 263.45 Td (T) Tj ET Q q 0 0 0 rg BT 151.85 263.45 Td (rust) Tj ET Q q 0 0 0 rg BT 174.30 263.45 Td (s ) Tj ET Q q 0 0 0 rg BT 183.19 263.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 220.76 263.45 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 275.69 263.45 Td (assessments ) Tj ET Q q 0 0 0 rg BT 348.60 263.45 Td (are ) Tj ET Q q 0 0 0 rg BT 368.83 263.45 Td (approved ) Tj ET Q q 0 0 0 rg BT 421.76 263.45 Td (by ) Tj ET Q q 0 0 0 rg BT 437.32 263.45 Td (the ) Tj ET Q q 0 0 0 rg BT 456.88 263.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 497.12 263.45 Td (Governance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 249.05 Td (Committee ) Tj ET Q q 0 0 0 rg BT 114.19 249.05 Td (of ) Tj ET Q q 0 0 0 rg BT 126.37 249.05 Td (the ) Tj ET Q q 0 0 0 rg BT 145.23 249.05 Td (Board ) Tj ET Q q 0 0 0 rg BT 179.42 249.05 Td (of ) Tj ET Q q 0 0 0 rg BT 191.61 249.05 Td (Directors ) Tj ET Q q 0 0 0 rg BT 241.79 249.05 Td (quarterly) Tj ET Q q 0 0 0 rg BT 287.58 249.05 Td (, ) Tj ET Q q 0 0 0 rg BT 293.09 249.05 Td (support ) Tj ET Q q 0 0 0 rg BT 335.29 249.05 Td (the ) Tj ET Q q 0 0 0 rg BT 354.15 249.05 Td (annual ) Tj ET Q q 0 0 0 rg BT 392.36 249.05 Td (Capital ) Tj ET Q q 0 0 0 rg BT 431.89 249.05 Td (Plan ) Tj ET Q q 0 0 0 rg BT 458.08 249.05 Td (and ) Tj ET Q q 0 0 0 rg BT 480.28 249.05 Td (are ) Tj ET Q q 0 0 0 rg BT 499.79 249.05 Td (coordinated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 234.65 Td (closely ) Tj ET Q q 0 0 0 rg BT 94.01 234.65 Td (with ) Tj ET Q q 0 0 0 rg BT 118.69 234.65 Td (the ) Tj ET Q q 0 0 0 rg BT 138.70 234.65 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 182.06 234.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 204.05 234.65 Td (management ) Tj ET Q q 0 0 0 rg BT 277.43 234.65 Td (processes.) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (12 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Risk Management Overview) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 678.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 106.11 678.65 Td (T) Tj ET Q q 0 0 0 rg BT 112.99 678.65 Td (rust ) Tj ET Q q 0 0 0 rg BT 138.80 678.65 Td (employs ) Tj ET Q q 0 0 0 rg BT 189.28 678.65 Td (an ) Tj ET Q q 0 0 0 rg BT 208.43 678.65 Td (integrated ) Tj ET Q q 0 0 0 rg BT 267.60 678.65 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 326.76 678.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 351.22 678.65 Td (management ) Tj ET Q q 0 0 0 rg BT 427.06 678.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 488.87 678.65 Td (to ) Tj ET Q q 0 0 0 rg BT 504.68 678.65 Td (support ) Tj ET Q q 0 0 0 rg BT 550.50 678.65 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 664.25 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 111.79 664.25 Td (The ) Tj ET Q q 0 0 0 rg BT 135.08 664.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 193.69 664.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 241.65 664.25 Td (a ) Tj ET Q q 0 0 0 rg BT 250.93 664.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 322.25 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 334.86 664.25 Td (identify) Tj ET Q q 0 0 0 rg BT 371.99 664.25 Td (, ) Tj ET Q q 0 0 0 rg BT 377.93 664.25 Td (assess, ) Tj ET Q q 0 0 0 rg BT 421.22 664.25 Td (monitor) Tj ET Q q 0 0 0 rg BT 460.57 664.25 Td (, ) Tj ET Q q 0 0 0 rg BT 466.51 664.25 Td (measure, ) Tj ET Q q 0 0 0 rg BT 519.13 664.25 Td (manage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 649.85 Td (and ) Tj ET Q q 0 0 0 rg BT 79.29 649.85 Td (report ) Tj ET Q q 0 0 0 rg BT 115.91 649.85 Td (both ) Tj ET Q q 0 0 0 rg BT 144.54 649.85 Td (internal ) Tj ET Q q 0 0 0 rg BT 189.17 649.85 Td (and ) Tj ET Q q 0 0 0 rg BT 214.46 649.85 Td (external ) Tj ET Q q 0 0 0 rg BT 262.42 649.85 Td (risks ) Tj ET Q q 0 0 0 rg BT 292.35 649.85 Td (to ) Tj ET Q q 0 0 0 rg BT 307.63 649.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 359.25 649.85 Td (T) Tj ET Q q 0 0 0 rg BT 366.13 649.85 Td (rust, ) Tj ET Q q 0 0 0 rg BT 394.74 649.85 Td (and ) Tj ET Q q 0 0 0 rg BT 420.03 649.85 Td (promotes ) Tj ET Q q 0 0 0 rg BT 475.33 649.85 Td (a ) Tj ET Q q 0 0 0 rg BT 487.27 649.85 Td (culture ) Tj ET Q q 0 0 0 rg BT 528.56 649.85 Td (of ) Tj ET Q q 0 0 0 rg BT 543.84 649.85 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 635.45 Td (awareness ) Tj ET Q q 0 0 0 rg BT 118.30 635.45 Td (across ) Tj ET Q q 0 0 0 rg BT 159.91 635.45 Td (the ) Tj ET Q q 0 0 0 rg BT 182.86 635.45 Td (organization. ) Tj ET Q q 0 0 0 rg BT 257.84 635.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 310.39 635.45 Td (T) Tj ET Q q 0 0 0 rg BT 317.27 635.45 Td (rust) Tj ET Q q 0 0 0 rg BT 339.73 635.45 Td (s ) Tj ET Q q 0 0 0 rg BT 352.00 635.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 376.93 635.45 Td (culture ) Tj ET Q q 0 0 0 rg BT 419.21 635.45 Td (encompasses ) Tj ET Q q 0 0 0 rg BT 499.52 635.45 Td (the ) Tj ET Q q 0 0 0 rg BT 522.47 635.45 Td (general ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 621.05 Td (awareness, ) Tj ET Q q 0 0 0 rg BT 119.15 621.05 Td (attitude ) Tj ET Q q 0 0 0 rg BT 162.29 621.05 Td (and ) Tj ET Q q 0 0 0 rg BT 186.09 621.05 Td (conduct ) Tj ET Q q 0 0 0 rg BT 231.90 621.05 Td (of ) Tj ET Q q 0 0 0 rg BT 245.69 621.05 Td (employees ) Tj ET Q q 0 0 0 rg BT 307.50 621.05 Td (with ) Tj ET Q q 0 0 0 rg BT 332.62 621.05 Td (respect ) Tj ET Q q 0 0 0 rg BT 375.75 621.05 Td (to ) Tj ET Q q 0 0 0 rg BT 389.54 621.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 411.98 621.05 Td (and ) Tj ET Q q 0 0 0 rg BT 435.78 621.05 Td (the ) Tj ET Q q 0 0 0 rg BT 456.25 621.05 Td (management ) Tj ET Q q 0 0 0 rg BT 530.07 621.05 Td (of ) Tj ET Q q 0 0 0 rg BT 543.86 621.05 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 606.65 Td (across ) Tj ET Q q 0 0 0 rg BT 93.65 606.65 Td (all ) Tj ET Q q 0 0 0 rg BT 109.96 606.65 Td (lines ) Tj ET Q q 0 0 0 rg BT 138.94 606.65 Td (of ) Tj ET Q q 0 0 0 rg BT 153.25 606.65 Td (defense ) Tj ET Q q 0 0 0 rg BT 200.25 606.65 Td (within ) Tj ET Q q 0 0 0 rg BT 235.24 606.65 Td (the ) Tj ET Q q 0 0 0 rg BT 256.22 606.65 Td (organization. ) Tj ET Q q 0 0 0 rg BT 328.96 606.65 Td (The ) Tj ET Q q 0 0 0 rg BT 353.94 606.65 Td (key ) Tj ET Q q 0 0 0 rg BT 376.91 606.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 399.88 606.65 Td (categories ) Tj ET Q q 0 0 0 rg BT 459.55 606.65 Td (that ) Tj ET Q q 0 0 0 rg BT 483.86 606.65 Td (are ) Tj ET Q q 0 0 0 rg BT 505.51 606.65 Td (inherent ) Tj ET Q q 0 0 0 rg BT 553.18 606.65 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 592.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 105.42 592.25 Td (T) Tj ET Q q 0 0 0 rg BT 112.30 592.25 Td (rust) Tj ET Q q 0 0 0 rg BT 134.75 592.25 Td (s ) Tj ET Q q 0 0 0 rg BT 145.81 592.25 Td (business ) Tj ET Q q 0 0 0 rg BT 198.23 592.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 249.30 592.25 Td (include: ) Tj ET Q q 0 0 0 rg BT 295.72 592.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 333.45 592.25 Td (operational, ) Tj ET Q q 0 0 0 rg BT 401.22 592.25 Td (fiduciary) Tj ET Q q 0 0 0 rg BT 445.01 592.25 Td (, ) Tj ET Q q 0 0 0 rg BT 453.40 592.25 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 522.49 592.25 Td (market, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 577.85 Td (liquidity) Tj ET Q q 0 0 0 rg BT 93.13 577.85 Td (, ) Tj ET Q q 0 0 0 rg BT 99.80 577.85 Td (and ) Tj ET Q q 0 0 0 rg BT 123.15 577.85 Td (strategic ) Tj ET Q q 0 0 0 rg BT 171.84 577.85 Td (risk.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 549.05 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 549.05 Td (Refer ) Tj ET Q q 0 0 0 rg BT 122.18 549.05 Td (to ) Tj ET Q q 0 0 0 rg BT 135.02 549.05 Td (page ) Tj ET Q q 0 0 0 rg BT 164.55 549.05 Td (74 ) Tj ET Q q 0 0 0 rg BT 180.73 549.05 Td (of ) Tj ET Q q 0 0 0 rg BT 193.57 549.05 Td (the ) Tj ET Q q 0 0 0 rg BT 213.09 549.05 Td (Corporation) Tj ET Q q 0 0 0 rg BT 278.24 549.05 Td (s ) Tj ET Q q 0 0 0 rg BT 287.07 549.05 Td (2017 ) Tj ET Q q 0 0 0 rg BT 316.04 549.05 Td (Annual ) Tj ET Q q 0 0 0 rg BT 356.24 549.05 Td (report ) Tj ET Q q 0 0 0 rg BT 390.42 549.05 Td (for ) Tj ET Q q 0 0 0 rg BT 407.26 549.05 Td (more ) Tj ET Q q 0 0 0 rg BT 437.43 549.05 Td (information ) Tj ET Q q 0 0 0 rg BT 499.63 549.05 Td (on ) Tj ET Q q 0 0 0 rg BT 515.81 549.05 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 534.65 Td (T) Tj ET Q q 0 0 0 rg BT 96.88 534.65 Td (rust) Tj ET Q q 0 0 0 rg BT 119.34 534.65 Td (s ) Tj ET Q q 0 0 0 rg BT 128.67 534.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 155.34 534.65 Td (Management ) Tj ET Q q 0 0 0 rg BT 228.71 534.65 Td (processes.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 520.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 505.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.83 505.85 Td (T) Tj ET Q q 0 0 0 rg BT 111.72 505.85 Td (rust ) Tj ET Q q 0 0 0 rg BT 136.16 505.85 Td (reinforces ) Tj ET Q q 0 0 0 rg BT 193.28 505.85 Td (a ) Tj ET Q q 0 0 0 rg BT 204.39 505.85 Td (culture ) Tj ET Q q 0 0 0 rg BT 244.85 505.85 Td (of ) Tj ET Q q 0 0 0 rg BT 259.29 505.85 Td (ef) Tj ET Q q 0 0 0 rg BT 269.08 505.85 Td (fective ) Tj ET Q q 0 0 0 rg BT 308.20 505.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 331.30 505.85 Td (management ) Tj ET Q q 0 0 0 rg BT 405.78 505.85 Td (by ) Tj ET Q q 0 0 0 rg BT 422.89 505.85 Td (defining ) Tj ET Q q 0 0 0 rg BT 469.36 505.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 492.46 505.85 Td (management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 491.45 Td (accountabilities, ) Tj ET Q q 0 0 0 rg BT 146.91 491.45 Td (embedding ) Tj ET Q q 0 0 0 rg BT 213.82 491.45 Td (such ) Tj ET Q q 0 0 0 rg BT 246.70 491.45 Td (accountabilities ) Tj ET Q q 0 0 0 rg BT 336.28 491.45 Td (in ) Tj ET Q q 0 0 0 rg BT 353.14 491.45 Td (performance ) Tj ET Q q 0 0 0 rg BT 428.04 491.45 Td (expectations ) Tj ET Q q 0 0 0 rg BT 502.95 491.45 Td (across ) Tj ET Q q 0 0 0 rg BT 545.82 491.45 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 477.05 Td (company) Tj ET Q q 0 0 0 rg BT 101.80 477.05 Td (, ) Tj ET Q q 0 0 0 rg BT 114.29 477.05 Td (training ) Tj ET Q q 0 0 0 rg BT 162.81 477.05 Td (and ) Tj ET Q q 0 0 0 rg BT 191.99 477.05 Td (developing ) Tj ET Q q 0 0 0 rg BT 259.20 477.05 Td (employees ) Tj ET Q q 0 0 0 rg BT 326.39 477.05 Td (and ) Tj ET Q q 0 0 0 rg BT 355.57 477.05 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 419.44 477.05 Td (and ) Tj ET Q q 0 0 0 rg BT 448.62 477.05 Td (rewarding ) Tj ET Q q 0 0 0 rg BT 510.47 477.05 Td (employee ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 462.65 Td (performance.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 433.85 Td (Risk ) Tj ET Q q 0 0 0 rg BT 82.68 433.85 Td (Governance ) Tj ET Q q 0 0 0 rg BT 155.38 433.85 Td (and ) Tj ET Q q 0 0 0 rg BT 180.05 433.85 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 239.40 433.85 Td (Overview ) Tj ET Q q 0 0 0 rg BT 296.10 433.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 405.05 Td (Risk ) Tj ET Q q 0 0 0 rg BT 81.30 405.05 Td (governance ) Tj ET Q q 0 0 0 rg BT 147.99 405.05 Td (is ) Tj ET Q q 0 0 0 rg BT 160.62 405.05 Td (an ) Tj ET Q q 0 0 0 rg BT 177.94 405.05 Td (integral ) Tj ET Q q 0 0 0 rg BT 221.27 405.05 Td (aspect ) Tj ET Q q 0 0 0 rg BT 260.60 405.05 Td (of ) Tj ET Q q 0 0 0 rg BT 274.57 405.05 Td (corporate ) Tj ET Q q 0 0 0 rg BT 329.24 405.05 Td (governance ) Tj ET Q q 0 0 0 rg BT 395.92 405.05 Td (at ) Tj ET Q q 0 0 0 rg BT 409.90 405.05 Td (Northern ) Tj ET Q q 0 0 0 rg BT 460.30 405.05 Td (T) Tj ET Q q 0 0 0 rg BT 467.19 405.05 Td (rust, ) Tj ET Q q 0 0 0 rg BT 494.50 405.05 Td (and ) Tj ET Q q 0 0 0 rg BT 518.49 405.05 Td (includes ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 390.65 Td (clearly ) Tj ET Q q 0 0 0 rg BT 94.56 390.65 Td (defined ) Tj ET Q q 0 0 0 rg BT 139.80 390.65 Td (accountabilities, ) Tj ET Q q 0 0 0 rg BT 231.07 390.65 Td (expectations, ) Tj ET Q q 0 0 0 rg BT 307.66 390.65 Td (internal ) Tj ET Q q 0 0 0 rg BT 352.89 390.65 Td (controls ) Tj ET Q q 0 0 0 rg BT 400.79 390.65 Td (and ) Tj ET Q q 0 0 0 rg BT 426.69 390.65 Td (processes ) Tj ET Q q 0 0 0 rg BT 487.26 390.65 Td (for ) Tj ET Q q 0 0 0 rg BT 507.15 390.65 Td (risk-based ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 376.25 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 144.41 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 168.14 376.25 Td (escalation ) Tj ET Q q 0 0 0 rg BT 225.88 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.60 376.25 Td (issues. ) Tj ET Q q 0 0 0 rg BT 280.41 376.25 Td (The ) Tj ET Q q 0 0 0 rg BT 304.80 376.25 Td (diagram ) Tj ET Q q 0 0 0 rg BT 351.86 376.25 Td (below ) Tj ET Q q 0 0 0 rg BT 386.92 376.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 435.98 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 446.36 376.25 Td (high-level ) Tj ET Q q 0 0 0 rg BT 501.43 376.25 Td (overview ) Tj ET Q q 0 0 0 rg BT 552.49 376.25 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 361.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.55 361.85 Td (T) Tj ET Q q 0 0 0 rg BT 110.43 361.85 Td (rust) Tj ET Q q 0 0 0 rg BT 132.89 361.85 Td (s ) Tj ET Q q 0 0 0 rg BT 141.95 361.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 163.67 361.85 Td (governance ) Tj ET Q q 0 0 0 rg BT 229.44 361.85 Td (structure ) Tj ET Q q 0 0 0 rg BT 279.19 361.85 Td (as ) Tj ET Q q 0 0 0 rg BT 294.92 361.85 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 307.99 361.85 Td (March31, ) Tj ET Q q 0 0 0 rg BT 364.40 361.85 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 391.10 361.85 Td (, ) Tj ET Q q 0 0 0 rg BT 397.49 361.85 Td (highlighting ) Tj ET Q q 0 0 0 rg BT 461.27 361.85 Td (the ) Tj ET Q q 0 0 0 rg BT 481.01 361.85 Td (oversight ) Tj ET Q q 0 0 0 rg BT 532.76 361.85 Td (of ) Tj ET Q q 0 0 0 rg BT 545.83 361.85 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 347.45 Td (Board ) Tj ET Q q 0 0 0 rg BT 89.36 347.45 Td (of ) Tj ET Q q 0 0 0 rg BT 102.70 347.45 Td (Directors ) Tj ET Q q 0 0 0 rg BT 154.04 347.45 Td (and ) Tj ET Q q 0 0 0 rg BT 177.39 347.45 Td (key ) Tj ET Q q 0 0 0 rg BT 199.40 347.45 Td (risk-related ) Tj ET Q q 0 0 0 rg BT 262.08 347.45 Td (committees.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 318.65 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 318.65 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 318.65 Td (10: ) Tj ET Q q 0 0 0 rg BT 108.46 318.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 137.14 318.65 Td (Governance ) Tj ET Q q 0 0 0 rg BT 209.84 318.65 Td (Structure) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 55.75 308.15 504.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 308.15 m 55.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 308.15 m 97.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 308.15 m 139.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 308.15 m 181.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 308.15 m 223.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 283.15 m 223.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 308.15 m 265.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 283.15 m 265.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 308.15 m 307.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 283.15 m 307.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 308.15 m 349.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 308.15 m 391.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 308.15 m 433.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 308.15 m 475.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 283.15 m 475.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 308.15 m 517.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 283.15 m 517.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 559.75 308.15 m 559.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 308.15 m 559.75 308.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 283.15 m 559.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 283.15 m 55.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 283.15 m 97.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 250.14999999999998 m 97.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 283.15 m 139.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 250.14999999999998 m 139.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 283.15 m 181.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 283.15 m 181.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 250.14999999999998 m 181.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 283.15 m 181.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 283.15 m 223.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 250.14999999999998 m 223.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 283.15 m 265.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 250.14999999999998 m 265.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 283.15 m 307.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 250.14999999999998 m 307.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 283.15 m 307.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 283.15 m 349.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 250.14999999999998 m 349.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 283.15 m 391.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 250.14999999999998 m 391.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 283.15 m 433.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 283.15 m 433.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 250.14999999999998 m 433.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 283.15 m 433.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 283.15 m 475.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 250.14999999999998 m 475.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 283.15 m 517.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 250.14999999999998 m 517.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 559.75 283.15 m 559.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 283.15 m 559.75 283.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 250.14999999999998 m 559.75 250.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 233.14999999999998 m 97.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 233.14999999999998 m 139.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 233.14999999999998 m 181.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 233.14999999999998 m 223.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 233.14999999999998 m 265.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 233.14999999999998 m 307.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 233.14999999999998 m 349.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 233.14999999999998 m 391.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 233.14999999999998 m 433.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 233.14999999999998 m 475.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 233.14999999999998 m 517.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 233.14999999999998 m 559.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 233.14999999999998 m 55.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 233.14999999999998 m 97.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 233.14999999999998 m 139.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 233.14999999999998 m 181.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 218.14999999999998 m 181.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 233.14999999999998 m 223.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 218.14999999999998 m 223.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 233.14999999999998 m 265.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 218.14999999999998 m 265.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 233.14999999999998 m 307.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 218.14999999999998 m 307.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 233.14999999999998 m 349.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 218.14999999999998 m 349.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 233.14999999999998 m 391.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 218.14999999999998 m 391.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 233.14999999999998 m 433.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 218.14999999999998 m 433.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 233.14999999999998 m 475.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 218.14999999999998 m 475.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 233.14999999999998 m 517.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 218.14999999999998 m 517.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 559.75 233.14999999999998 m 559.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 233.14999999999998 m 559.75 233.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 218.14999999999998 m 559.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 218.14999999999998 m 55.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 218.14999999999998 m 97.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55.75 176.14999999999998 m 97.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 218.14999999999998 m 139.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 218.14999999999998 m 139.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 97.75 176.14999999999998 m 139.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 218.14999999999998 m 139.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 218.14999999999998 m 181.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 139.75 176.14999999999998 m 181.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 218.14999999999998 m 223.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 218.14999999999998 m 223.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.75 176.14999999999998 m 223.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 218.14999999999998 m 223.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 218.14999999999998 m 265.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.75 176.14999999999998 m 265.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 218.14999999999998 m 307.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 218.14999999999998 m 307.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.75 176.14999999999998 m 307.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 218.14999999999998 m 307.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 218.14999999999998 m 349.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 176.14999999999998 m 349.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 218.14999999999998 m 391.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 218.14999999999998 m 391.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 176.14999999999998 m 391.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 218.14999999999998 m 391.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 218.14999999999998 m 433.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.75 176.14999999999998 m 433.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 218.14999999999998 m 475.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 218.14999999999998 m 475.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 176.14999999999998 m 475.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 218.14999999999998 m 475.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 218.14999999999998 m 517.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 176.14999999999998 m 517.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 559.75 218.14999999999998 m 559.75 176.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 218.14999999999998 m 559.75 218.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 176.14999999999998 m 559.75 176.14999999999998 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 197.20 293.07 Td (Northern T) Tj ET Q q 0 0 0 rg BT 247.76 293.07 Td (rust Corporation Board of Directors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 106.85 269.07 Td (Audit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 94.05 259.07 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 212.85 269.07 Td (Business Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.05 259.07 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.05 269.07 Td (Capital Governance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.05 259.07 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.25 269.07 Td (Compensation and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.60 259.07 Td (Benefits Committee) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 207.20 222.77 Td (Global Enterprise Risk Committee \(GERC\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.80 199.57 Td (Credit Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 73.05 189.57 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.25 199.57 Td (Operational Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 157.05 189.57 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 233.85 199.57 Td (Fiduciary Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.05 189.57 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.70 208.37 Td ( Compliance &) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.60 198.37 Td (Ethics) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.85 188.37 Td (Oversight) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.05 178.42 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.20 204.57 Td (Market &) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.75 194.57 Td (Liquidity Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.05 184.57 Td (Committee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 491.10 204.57 Td ( Model Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.85 194.57 Td (Oversight) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.05 184.57 Td (Committee) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 147.85 Td (The ) Tj ET Q q 0 0 0 rg BT 78.13 147.85 Td (Board ) Tj ET Q q 0 0 0 rg BT 113.59 147.85 Td (of ) Tj ET Q q 0 0 0 rg BT 127.05 147.85 Td (Directors ) Tj ET Q q 0 0 0 rg BT 178.50 147.85 Td (provides ) Tj ET Q q 0 0 0 rg BT 227.31 147.85 Td (oversight ) Tj ET Q q 0 0 0 rg BT 279.45 147.85 Td (of ) Tj ET Q q 0 0 0 rg BT 292.90 147.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 315.01 147.85 Td (management ) Tj ET Q q 0 0 0 rg BT 388.50 147.85 Td (directly ) Tj ET Q q 0 0 0 rg BT 429.96 147.85 Td (and ) Tj ET Q q 0 0 0 rg BT 453.43 147.85 Td (through ) Tj ET Q q 0 0 0 rg BT 497.58 147.85 Td (certain ) Tj ET Q q 0 0 0 rg BT 537.04 147.85 Td (of ) Tj ET Q q 0 0 0 rg BT 550.50 147.85 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 133.45 Td (committees: ) Tj ET Q q 0 0 0 rg BT 125.72 133.45 Td (the ) Tj ET Q q 0 0 0 rg BT 148.04 133.45 Td (Audit ) Tj ET Q q 0 0 0 rg BT 182.43 133.45 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 250.81 133.45 Td (the ) Tj ET Q q 0 0 0 rg BT 274.53 133.45 Td (Business ) Tj ET Q q 0 0 0 rg BT 330.26 133.45 Td (Risk ) Tj ET Q q 0 0 0 rg BT 360.63 133.45 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 429.02 133.45 Td (the ) Tj ET Q q 0 0 0 rg BT 452.74 133.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 497.13 133.45 Td (Governance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 119.05 Td (Committee ) Tj ET Q q 0 0 0 rg BT 116.73 119.05 Td (and ) Tj ET Q q 0 0 0 rg BT 141.47 119.05 Td (the ) Tj ET Q q 0 0 0 rg BT 162.87 119.05 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 244.97 119.05 Td (and ) Tj ET Q q 0 0 0 rg BT 269.71 119.05 Td (Benefits ) Tj ET Q q 0 0 0 rg BT 317.79 119.05 Td (Committee. ) Tj ET Q q 0 0 0 rg BT 383.55 119.05 Td (The ) Tj ET Q q 0 0 0 rg BT 408.95 119.05 Td (Board ) Tj ET Q q 0 0 0 rg BT 445.69 119.05 Td (of ) Tj ET Q q 0 0 0 rg BT 460.42 119.05 Td (Directors ) Tj ET Q q 0 0 0 rg BT 513.14 119.05 Td (approves ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 104.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.53 104.65 Td (T) Tj ET Q q 0 0 0 rg BT 110.42 104.65 Td (rust) Tj ET Q q 0 0 0 rg BT 132.87 104.65 Td (s ) Tj ET Q q 0 0 0 rg BT 141.91 104.65 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 198.32 104.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 220.02 104.65 Td (management ) Tj ET Q q 0 0 0 rg BT 293.11 104.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 352.16 104.65 Td (and ) Tj ET Q q 0 0 0 rg BT 375.22 104.65 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 431.63 104.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 457.40 104.65 Td (Appetite ) Tj ET Q q 0 0 0 rg BT 504.47 104.65 Td (Statement. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 90.25 Td (The ) Tj ET Q q 0 0 0 rg BT 77.31 90.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 128.64 90.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 154.61 90.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 215.26 90.25 Td (assumes ) Tj ET Q q 0 0 0 rg BT 265.92 90.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 308.56 90.25 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 380.56 90.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.22 90.25 Td (oversight ) Tj ET Q q 0 0 0 rg BT 454.55 90.25 Td (with ) Tj ET Q q 0 0 0 rg BT 478.52 90.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 520.51 90.25 Td (to ) Tj ET Q q 0 0 0 rg BT 533.16 90.25 Td (credit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 75.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 79.67 75.85 Td (operational ) Tj ET Q q 0 0 0 rg BT 142.71 75.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 168.38 75.85 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 216.73 75.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 242.40 75.85 Td (compliance ) Tj ET Q q 0 0 0 rg BT 306.76 75.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 332.43 75.85 Td (market ) Tj ET Q q 0 0 0 rg BT 372.77 75.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 398.44 75.85 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 442.13 75.85 Td (risk, ) Tj ET Q q 0 0 0 rg BT 467.79 75.85 Td (and ) Tj ET Q q 0 0 0 rg BT 491.48 75.85 Td (strategic ) Tj ET Q q 0 0 0 rg BT 540.51 75.85 Td (risk. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 61.45 Td (The ) Tj ET Q q 0 0 0 rg BT 77.91 61.45 Td (Audit ) Tj ET Q q 0 0 0 rg BT 109.29 61.45 Td (Committee ) Tj ET Q q 0 0 0 rg BT 171.33 61.45 Td (provides ) Tj ET Q q 0 0 0 rg BT 220.72 61.45 Td (oversight ) Tj ET Q q 0 0 0 rg BT 273.45 61.45 Td (with ) Tj ET Q q 0 0 0 rg BT 298.82 61.45 Td (respect ) Tj ET Q q 0 0 0 rg BT 342.20 61.45 Td (to ) Tj ET Q q 0 0 0 rg BT 356.24 61.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 404.29 61.45 Td (reporting ) Tj ET Q q 0 0 0 rg BT 455.69 61.45 Td (and ) Tj ET Q q 0 0 0 rg BT 479.74 61.45 Td (legal ) Tj ET Q q 0 0 0 rg BT 509.12 61.45 Td (risk, ) Tj ET Q q 0 0 0 rg BT 535.15 61.45 Td (while ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 47.05 Td (the ) Tj ET Q q 0 0 0 rg BT 73.61 47.05 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 153.92 47.05 Td (and ) Tj ET Q q 0 0 0 rg BT 176.87 47.05 Td (Benefits ) Tj ET Q q 0 0 0 rg BT 223.16 47.05 Td (Committee ) Tj ET Q q 0 0 0 rg BT 284.10 47.05 Td (oversees ) Tj ET Q q 0 0 0 rg BT 335.72 47.05 Td (the ) Tj ET Q q 0 0 0 rg BT 355.33 47.05 Td (development ) Tj ET Q q 0 0 0 rg BT 426.97 47.05 Td (and ) Tj ET Q q 0 0 0 rg BT 449.92 47.05 Td (operation ) Tj ET Q q 0 0 0 rg BT 502.89 47.05 Td (of ) Tj ET Q q 0 0 0 rg BT 515.83 47.05 Td (Northern ) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (13 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 711.30 Td (rust) Tj ET Q q 0 0 0 rg BT 83.34 711.30 Td (s ) Tj ET Q q 0 0 0 rg BT 93.69 711.30 Td (incentive ) Tj ET Q q 0 0 0 rg BT 145.41 711.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 224.48 711.30 Td (program. ) Tj ET Q q 0 0 0 rg BT 276.57 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 301.61 711.30 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 383.34 711.30 Td (and ) Tj ET Q q 0 0 0 rg BT 407.72 711.30 Td (Benefits ) Tj ET Q q 0 0 0 rg BT 455.44 711.30 Td (Committee ) Tj ET Q q 0 0 0 rg BT 517.81 711.30 Td (annually ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (reviews ) Tj ET Q q 0 0 0 rg BT 96.56 696.90 Td (management) Tj ET Q q 0 0 0 rg BT 169.06 696.90 Td (s ) Tj ET Q q 0 0 0 rg BT 176.94 696.90 Td (assessment ) Tj ET Q q 0 0 0 rg BT 242.86 696.90 Td (of ) Tj ET Q q 0 0 0 rg BT 254.75 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 273.32 696.90 Td (ef) Tj ET Q q 0 0 0 rg BT 283.11 696.90 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 345.03 696.90 Td (of ) Tj ET Q q 0 0 0 rg BT 356.93 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 375.50 696.90 Td (design ) Tj ET Q q 0 0 0 rg BT 412.75 696.90 Td (and ) Tj ET Q q 0 0 0 rg BT 434.66 696.90 Td (performance ) Tj ET Q q 0 0 0 rg BT 503.91 696.90 Td (of ) Tj ET Q q 0 0 0 rg BT 515.81 696.90 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 682.50 Td (rust) Tj ET Q q 0 0 0 rg BT 83.34 682.50 Td (s ) Tj ET Q q 0 0 0 rg BT 95.36 682.50 Td (incentive ) Tj ET Q q 0 0 0 rg BT 148.75 682.50 Td (compensation ) Tj ET Q q 0 0 0 rg BT 229.49 682.50 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 309.55 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 335.60 682.50 Td (practices ) Tj ET Q q 0 0 0 rg BT 389.64 682.50 Td (in ) Tj ET Q q 0 0 0 rg BT 405.01 682.50 Td (providing ) Tj ET Q q 0 0 0 rg BT 459.73 682.50 Td (incentives ) Tj ET Q q 0 0 0 rg BT 519.12 682.50 Td (that ) Tj ET Q q 0 0 0 rg BT 545.16 682.50 Td (are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 111.61 668.10 Td (with ) Tj ET Q q 0 0 0 rg BT 136.53 668.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 186.56 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 193.45 668.10 Td (rust) Tj ET Q q 0 0 0 rg BT 215.90 668.10 Td (s ) Tj ET Q q 0 0 0 rg BT 225.48 668.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 261.08 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.68 668.10 Td (soundness. ) Tj ET Q q 0 0 0 rg BT 349.40 668.10 Td (This ) Tj ET Q q 0 0 0 rg BT 375.65 668.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 443.26 668.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 490.86 668.10 Td (an ) Tj ET Q q 0 0 0 rg BT 507.79 668.10 Td (evaluation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (of ) Tj ET Q q 0 0 0 rg BT 69.71 653.70 Td (whether ) Tj ET Q q 0 0 0 rg BT 118.10 653.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 170.11 653.70 Td (T) Tj ET Q q 0 0 0 rg BT 177.00 653.70 Td (rust) Tj ET Q q 0 0 0 rg BT 199.45 653.70 Td (s ) Tj ET Q q 0 0 0 rg BT 211.15 653.70 Td (incentive ) Tj ET Q q 0 0 0 rg BT 264.21 653.70 Td (compensation ) Tj ET Q q 0 0 0 rg BT 344.62 653.70 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 424.36 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 450.08 653.70 Td (practices ) Tj ET Q q 0 0 0 rg BT 503.79 653.70 Td (discourage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (inappropriate ) Tj ET Q q 0 0 0 rg BT 125.90 639.30 Td (risk-taking ) Tj ET Q q 0 0 0 rg BT 182.43 639.30 Td (behavior ) Tj ET Q q 0 0 0 rg BT 230.31 639.30 Td (by ) Tj ET Q q 0 0 0 rg BT 244.84 639.30 Td (participants. ) Tj ET Q q 0 0 0 rg BT 311.27 639.30 Td (The ) Tj ET Q q 0 0 0 rg BT 333.80 639.30 Td (Capital ) Tj ET Q q 0 0 0 rg BT 373.00 639.30 Td (Governance ) Tj ET Q q 0 0 0 rg BT 440.23 639.30 Td (Committee ) Tj ET Q q 0 0 0 rg BT 500.09 639.30 Td (of ) Tj ET Q q 0 0 0 rg BT 511.95 639.30 Td (the ) Tj ET Q q 0 0 0 rg BT 530.48 639.30 Td (Board ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (assists ) Tj ET Q q 0 0 0 rg BT 95.62 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 117.24 624.90 Td (Board ) Tj ET Q q 0 0 0 rg BT 154.20 624.90 Td (in ) Tj ET Q q 0 0 0 rg BT 168.49 624.90 Td (discharging ) Tj ET Q q 0 0 0 rg BT 234.80 624.90 Td (its ) Tj ET Q q 0 0 0 rg BT 251.74 624.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 305.38 624.90 Td (duties ) Tj ET Q q 0 0 0 rg BT 342.34 624.90 Td (with ) Tj ET Q q 0 0 0 rg BT 368.62 624.90 Td (respect ) Tj ET Q q 0 0 0 rg BT 412.92 624.90 Td (to ) Tj ET Q q 0 0 0 rg BT 427.87 624.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 467.50 624.90 Td (management ) Tj ET Q q 0 0 0 rg BT 542.48 624.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (planning ) Tj ET Q q 0 0 0 rg BT 103.95 610.50 Td (activities. ) Tj ET Q q 0 0 0 rg BT 156.96 610.50 Td (Among ) Tj ET Q q 0 0 0 rg BT 199.56 610.50 Td (other ) Tj ET Q q 0 0 0 rg BT 231.48 610.50 Td (responsibilities, ) Tj ET Q q 0 0 0 rg BT 318.10 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 339.35 610.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 381.28 610.50 Td (Governance ) Tj ET Q q 0 0 0 rg BT 451.23 610.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 513.81 610.50 Td (oversees ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.66 596.10 Td (T) Tj ET Q q 0 0 0 rg BT 111.55 596.10 Td (rust) Tj ET Q q 0 0 0 rg BT 134.00 596.10 Td (s ) Tj ET Q q 0 0 0 rg BT 144.26 596.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 183.20 596.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 239.49 596.10 Td (assessments, ) Tj ET Q q 0 0 0 rg BT 317.11 596.10 Td (forecasting, ) Tj ET Q q 0 0 0 rg BT 383.40 596.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.67 596.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 443.93 596.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 483.54 596.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 542.48 596.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (activities, ) Tj ET Q q 0 0 0 rg BT 106.98 581.70 Td (including ) Tj ET Q q 0 0 0 rg BT 157.99 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 178.30 581.70 Td (annual ) Tj ET Q q 0 0 0 rg BT 217.97 581.70 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 305.65 581.70 Td (Capital ) Tj ET Q q 0 0 0 rg BT 345.92 581.70 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 394.23 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 417.89 581.70 Td (Review ) Tj ET Q q 0 0 0 rg BT 460.87 581.70 Td (\(CCAR\) ) Tj ET Q q 0 0 0 rg BT 514.49 581.70 Td (exercise, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (and ) Tj ET Q q 0 0 0 rg BT 75.76 567.30 Td (challenges ) Tj ET Q q 0 0 0 rg BT 134.88 567.30 Td (management, ) Tj ET Q q 0 0 0 rg BT 209.99 567.30 Td (as ) Tj ET Q q 0 0 0 rg BT 224.41 567.30 Td (appropriate, ) Tj ET Q q 0 0 0 rg BT 290.19 567.30 Td (on ) Tj ET Q q 0 0 0 rg BT 305.28 567.30 Td (various ) Tj ET Q q 0 0 0 rg BT 345.70 567.30 Td (elements ) Tj ET Q q 0 0 0 rg BT 396.13 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 407.88 567.30 Td (such ) Tj ET Q q 0 0 0 rg BT 434.97 567.30 Td (processes ) Tj ET Q q 0 0 0 rg BT 491.40 567.30 Td (and ) Tj ET Q q 0 0 0 rg BT 513.16 567.30 Td (activities. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 115.14 552.90 Td (, ) Tj ET Q q 0 0 0 rg BT 120.28 552.90 Td (the ) Tj ET Q q 0 0 0 rg BT 138.78 552.90 Td (Capital ) Tj ET Q q 0 0 0 rg BT 177.95 552.90 Td (Governance ) Tj ET Q q 0 0 0 rg BT 245.13 552.90 Td (Committee ) Tj ET Q q 0 0 0 rg BT 304.96 552.90 Td (provides ) Tj ET Q q 0 0 0 rg BT 352.13 552.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 402.64 552.90 Td (with ) Tj ET Q q 0 0 0 rg BT 425.79 552.90 Td (respect ) Tj ET Q q 0 0 0 rg BT 466.95 552.90 Td (to ) Tj ET Q q 0 0 0 rg BT 478.78 552.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 527.16 552.90 Td (T) Tj ET Q q 0 0 0 rg BT 534.04 552.90 Td (rust) Tj ET Q q 0 0 0 rg BT 556.50 552.90 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (linkage ) Tj ET Q q 0 0 0 rg BT 95.36 538.50 Td (of ) Tj ET Q q 0 0 0 rg BT 108.70 538.50 Td (material ) Tj ET Q q 0 0 0 rg BT 154.72 538.50 Td (risks ) Tj ET Q q 0 0 0 rg BT 182.71 538.50 Td (to ) Tj ET Q q 0 0 0 rg BT 196.05 538.50 Td (the ) Tj ET Q q 0 0 0 rg BT 216.07 538.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 254.09 538.50 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 309.47 538.50 Td (assessment ) Tj ET Q q 0 0 0 rg BT 376.83 538.50 Td (process. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (The ) Tj ET Q q 0 0 0 rg BT 79.48 509.70 Td (Chief ) Tj ET Q q 0 0 0 rg BT 112.29 509.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 140.42 509.70 Td (Of) Tj ET Q q 0 0 0 rg BT 152.87 509.70 Td (ficer ) Tj ET Q q 0 0 0 rg BT 180.33 509.70 Td (\(CRO\) ) Tj ET Q q 0 0 0 rg BT 227.78 509.70 Td (oversees ) Tj ET Q q 0 0 0 rg BT 281.27 509.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 332.44 509.70 Td (T) Tj ET Q q 0 0 0 rg BT 339.33 509.70 Td (rust) Tj ET Q q 0 0 0 rg BT 361.78 509.70 Td (s ) Tj ET Q q 0 0 0 rg BT 372.58 509.70 Td (management ) Tj ET Q q 0 0 0 rg BT 447.42 509.70 Td (of ) Tj ET Q q 0 0 0 rg BT 462.22 509.70 Td (risk, ) Tj ET Q q 0 0 0 rg BT 489.02 509.70 Td (promotes ) Tj ET Q q 0 0 0 rg BT 543.84 509.70 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (awareness ) Tj ET Q q 0 0 0 rg BT 116.05 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 140.10 495.30 Td (fosters ) Tj ET Q q 0 0 0 rg BT 180.13 495.30 Td (a ) Tj ET Q q 0 0 0 rg BT 190.83 495.30 Td (proactive ) Tj ET Q q 0 0 0 rg BT 243.54 495.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 266.23 495.30 Td (management ) Tj ET Q q 0 0 0 rg BT 340.29 495.30 Td (environment ) Tj ET Q q 0 0 0 rg BT 410.35 495.30 Td (wherein ) Tj ET Q q 0 0 0 rg BT 456.40 495.30 Td (risks ) Tj ET Q q 0 0 0 rg BT 485.08 495.30 Td (inherent ) Tj ET Q q 0 0 0 rg BT 532.47 495.30 Td (in ) Tj ET Q q 0 0 0 rg BT 545.83 495.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (business ) Tj ET Q q 0 0 0 rg BT 105.81 480.90 Td (strategy ) Tj ET Q q 0 0 0 rg BT 152.95 480.90 Td (are ) Tj ET Q q 0 0 0 rg BT 174.75 480.90 Td (identified, ) Tj ET Q q 0 0 0 rg BT 230.57 480.90 Td (understood, ) Tj ET Q q 0 0 0 rg BT 298.40 480.90 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 372.23 480.90 Td (monitored ) Tj ET Q q 0 0 0 rg BT 430.04 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 454.52 480.90 Td (mitigated. ) Tj ET Q q 0 0 0 rg BT 510.70 480.90 Td (The ) Tj ET Q q 0 0 0 rg BT 535.83 480.90 Td (CRO ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (reports ) Tj ET Q q 0 0 0 rg BT 95.58 466.50 Td (directly ) Tj ET Q q 0 0 0 rg BT 137.81 466.50 Td (to ) Tj ET Q q 0 0 0 rg BT 152.05 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 172.96 466.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 225.88 466.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 253.44 466.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 315.68 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 339.93 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 360.83 466.50 Td (Corporation) Tj ET Q q 0 0 0 rg BT 425.99 466.50 Td (s ) Tj ET Q q 0 0 0 rg BT 436.21 466.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 468.45 466.50 Td (Executive ) Tj ET Q q 0 0 0 rg BT 524.71 466.50 Td (Of) Tj ET Q q 0 0 0 rg BT 537.16 466.50 Td (ficer) Tj ET Q q 0 0 0 rg BT 559.17 466.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (The ) Tj ET Q q 0 0 0 rg BT 78.27 452.10 Td (CRO ) Tj ET Q q 0 0 0 rg BT 108.53 452.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 158.14 452.10 Td (advises ) Tj ET Q q 0 0 0 rg BT 202.42 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.70 452.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 274.98 452.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 301.91 452.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 363.51 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 387.13 452.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 428.07 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.67 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.94 452.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 523.55 452.10 Td (at ) Tj ET Q q 0 0 0 rg BT 537.15 452.10 Td (least ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 103.04 437.70 Td (on ) Tj ET Q q 0 0 0 rg BT 118.75 437.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 139.76 437.70 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 200.82 437.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 221.84 437.70 Td (management ) Tj ET Q q 0 0 0 rg BT 294.23 437.70 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 359.29 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 381.67 437.70 Td (emerging ) Tj ET Q q 0 0 0 rg BT 434.05 437.70 Td (risks. ) Tj ET Q q 0 0 0 rg BT 464.40 437.70 Td (In ) Tj ET Q q 0 0 0 rg BT 476.77 437.70 Td (accordance ) Tj ET Q q 0 0 0 rg BT 541.16 437.70 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (the ) Tj ET Q q 0 0 0 rg BT 75.31 423.30 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 133.31 423.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 156.60 423.30 Td (management ) Tj ET Q q 0 0 0 rg BT 231.28 423.30 Td (framework, ) Tj ET Q q 0 0 0 rg BT 295.26 423.30 Td (the ) Tj ET Q q 0 0 0 rg BT 316.57 423.30 Td (executive ) Tj ET Q q 0 0 0 rg BT 371.90 423.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 395.20 423.30 Td (management ) Tj ET Q q 0 0 0 rg BT 469.87 423.30 Td (team ) Tj ET Q q 0 0 0 rg BT 501.18 423.30 Td (of ) Tj ET Q q 0 0 0 rg BT 515.83 423.30 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 408.90 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 408.90 Td (rust, ) Tj ET Q q 0 0 0 rg BT 86.10 408.90 Td (together ) Tj ET Q q 0 0 0 rg BT 132.00 408.90 Td (with ) Tj ET Q q 0 0 0 rg BT 155.22 408.90 Td (the ) Tj ET Q q 0 0 0 rg BT 173.77 408.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 203.66 408.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 253.56 408.90 Td (Of) Tj ET Q q 0 0 0 rg BT 266.01 408.90 Td (ficer) Tj ET Q q 0 0 0 rg BT 288.01 408.90 Td (, ) Tj ET Q q 0 0 0 rg BT 293.22 408.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 323.11 408.90 Td (Capital ) Tj ET Q q 0 0 0 rg BT 362.34 408.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 434.25 408.90 Td (Of) Tj ET Q q 0 0 0 rg BT 446.70 408.90 Td (ficer) Tj ET Q q 0 0 0 rg BT 468.71 408.90 Td (, ) Tj ET Q q 0 0 0 rg BT 473.92 408.90 Td (General ) Tj ET Q q 0 0 0 rg BT 518.48 408.90 Td (Counsel ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (and ) Tj ET Q q 0 0 0 rg BT 75.71 394.50 Td (General ) Tj ET Q q 0 0 0 rg BT 119.76 394.50 Td (Auditor) Tj ET Q q 0 0 0 rg BT 157.12 394.50 Td (, ) Tj ET Q q 0 0 0 rg BT 162.14 394.50 Td (meets ) Tj ET Q q 0 0 0 rg BT 196.51 394.50 Td (as ) Tj ET Q q 0 0 0 rg BT 210.87 394.50 Td (the ) Tj ET Q q 0 0 0 rg BT 229.24 394.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 265.62 394.50 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 322.00 394.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 347.02 394.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 406.73 394.50 Td (\(GERC\) ) Tj ET Q q 0 0 0 rg BT 459.07 394.50 Td (to ) Tj ET Q q 0 0 0 rg BT 470.77 394.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 511.82 394.50 Td (executive ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (management ) Tj ET Q q 0 0 0 rg BT 128.11 380.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 180.87 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.96 380.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 257.74 380.10 Td (with ) Tj ET Q q 0 0 0 rg BT 283.15 380.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 326.57 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.64 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.39 380.10 Td (management ) Tj ET Q q 0 0 0 rg BT 435.50 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.58 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.33 380.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 529.76 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.84 380.10 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (within ) Tj ET Q q 0 0 0 rg BT 88.17 365.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 138.11 365.70 Td (T) Tj ET Q q 0 0 0 rg BT 145.00 365.70 Td (rust. ) Tj ET Q q 0 0 0 rg BT 171.13 365.70 Td (Among ) Tj ET Q q 0 0 0 rg BT 212.63 365.70 Td (other ) Tj ET Q q 0 0 0 rg BT 243.47 365.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 265.62 365.70 Td (management ) Tj ET Q q 0 0 0 rg BT 339.15 365.70 Td (responsibilities, ) Tj ET Q q 0 0 0 rg BT 424.67 365.70 Td (GERC ) Tj ET Q q 0 0 0 rg BT 462.82 365.70 Td (receives ) Tj ET Q q 0 0 0 rg BT 510.99 365.70 Td (reports ) Tj ET Q q 0 0 0 rg BT 551.83 365.70 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (recommendations ) Tj ET Q q 0 0 0 rg BT 153.13 351.30 Td (from ) Tj ET Q q 0 0 0 rg BT 180.87 351.30 Td (senior ) Tj ET Q q 0 0 0 rg BT 217.31 351.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 239.71 351.30 Td (committees ) Tj ET Q q 0 0 0 rg BT 304.81 351.30 Td (that ) Tj ET Q q 0 0 0 rg BT 328.57 351.30 Td (are ) Tj ET Q q 0 0 0 rg BT 349.66 351.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 414.78 351.30 Td (for ) Tj ET Q q 0 0 0 rg BT 432.53 351.30 Td (the ) Tj ET Q q 0 0 0 rg BT 452.96 351.30 Td (management ) Tj ET Q q 0 0 0 rg BT 526.75 351.30 Td (of ) Tj ET Q q 0 0 0 rg BT 540.51 351.30 Td (risk, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (and ) Tj ET Q q 0 0 0 rg BT 77.42 336.90 Td (from ) Tj ET Q q 0 0 0 rg BT 104.82 336.90 Td (time ) Tj ET Q q 0 0 0 rg BT 130.89 336.90 Td (to ) Tj ET Q q 0 0 0 rg BT 144.29 336.90 Td (time ) Tj ET Q q 0 0 0 rg BT 170.36 336.90 Td (may ) Tj ET Q q 0 0 0 rg BT 196.43 336.90 Td (delegate ) Tj ET Q q 0 0 0 rg BT 245.87 336.90 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 318.64 336.90 Td (to ) Tj ET Q q 0 0 0 rg BT 332.04 336.90 Td (such ) Tj ET Q q 0 0 0 rg BT 360.79 336.90 Td (committees ) Tj ET Q q 0 0 0 rg BT 425.54 336.90 Td (for ) Tj ET Q q 0 0 0 rg BT 442.94 336.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 465.00 336.90 Td (issues. ) Tj ET Q q 0 0 0 rg BT 505.75 336.90 Td (Senior ) Tj ET Q q 0 0 0 rg BT 543.83 336.90 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (committees ) Tj ET Q q 0 0 0 rg BT 118.68 322.50 Td (include:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 293.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 293.70 Td (The ) Tj ET Q q 0 0 0 rg BT 114.71 293.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 150.76 293.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 178.12 293.70 Td (Committee ) Tj ET Q q 0 0 0 rg BT 240.17 293.70 Td (\(CRC\) ) Tj ET Q q 0 0 0 rg BT 286.19 293.70 Td (establishes ) Tj ET Q q 0 0 0 rg BT 350.26 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 374.31 293.70 Td (monitors ) Tj ET Q q 0 0 0 rg BT 424.36 293.70 Td (credit-related ) Tj ET Q q 0 0 0 rg BT 498.42 293.70 Td (policies ) Tj ET Q q 0 0 0 rg BT 542.48 293.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 279.30 Td (practices ) Tj ET Q q 0 0 0 rg BT 141.35 279.30 Td (throughout ) Tj ET Q q 0 0 0 rg BT 202.07 279.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 251.87 279.30 Td (T) Tj ET Q q 0 0 0 rg BT 258.76 279.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 282.09 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 305.45 279.30 Td (promotes ) Tj ET Q q 0 0 0 rg BT 358.80 279.30 Td (their ) Tj ET Q q 0 0 0 rg BT 385.48 279.30 Td (uniform ) Tj ET Q q 0 0 0 rg BT 428.83 279.30 Td (application.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 250.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 250.50 Td (The ) Tj ET Q q 0 0 0 rg BT 119.23 250.50 Td (Operational ) Tj ET Q q 0 0 0 rg BT 189.83 250.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 221.71 250.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 288.28 250.50 Td (\(ORC\) ) Tj ET Q q 0 0 0 rg BT 339.48 250.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 393.40 250.50 Td (independent ) Tj ET Q q 0 0 0 rg BT 468.01 250.50 Td (oversight ) Tj ET Q q 0 0 0 rg BT 525.26 250.50 Td (and ) Tj ET Q q 0 0 0 rg BT 553.84 250.50 Td (is ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 236.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 154.00 236.10 Td (for ) Tj ET Q q 0 0 0 rg BT 170.62 236.10 Td (setting ) Tj ET Q q 0 0 0 rg BT 208.60 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.91 236.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 283.89 236.10 Td (Operational ) Tj ET Q q 0 0 0 rg BT 348.56 236.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 374.51 236.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 447.18 236.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 481.81 236.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.46 236.10 Td (developing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 110.57 221.70 Td (operational ) Tj ET Q q 0 0 0 rg BT 173.85 221.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 196.40 221.70 Td (management ) Tj ET Q q 0 0 0 rg BT 270.34 221.70 Td (framework ) Tj ET Q q 0 0 0 rg BT 330.24 221.70 Td (and ) Tj ET Q q 0 0 0 rg BT 354.15 221.70 Td (programs ) Tj ET Q q 0 0 0 rg BT 408.73 221.70 Td (that ) Tj ET Q q 0 0 0 rg BT 432.64 221.70 Td (support ) Tj ET Q q 0 0 0 rg BT 476.55 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 497.13 221.70 Td (coordination ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 207.30 Td (of ) Tj ET Q q 0 0 0 rg BT 103.34 207.30 Td (operational ) Tj ET Q q 0 0 0 rg BT 166.05 207.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 188.05 207.30 Td (activities. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 178.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 178.50 Td (The ) Tj ET Q q 0 0 0 rg BT 114.89 178.50 Td (Fiduciary ) Tj ET Q q 0 0 0 rg BT 167.78 178.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 195.33 178.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 257.55 178.50 Td (\(FRC\) ) Tj ET Q q 0 0 0 rg BT 302.41 178.50 Td (is ) Tj ET Q q 0 0 0 rg BT 315.29 178.50 Td (responsible ) Tj ET Q q 0 0 0 rg BT 380.88 178.50 Td (for ) Tj ET Q q 0 0 0 rg BT 399.09 178.50 Td (establishing ) Tj ET Q q 0 0 0 rg BT 466.68 178.50 Td (and ) Tj ET Q q 0 0 0 rg BT 490.92 178.50 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 545.82 178.50 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 164.10 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 141.05 164.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 166.07 164.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 212.46 164.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.84 164.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 308.58 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.62 164.10 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 382.67 164.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 407.70 164.10 Td (framework, ) Tj ET Q q 0 0 0 rg BT 473.40 164.10 Td (governance ) Tj ET Q q 0 0 0 rg BT 542.48 164.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 149.70 Td (programs ) Tj ET Q q 0 0 0 rg BT 144.02 149.70 Td (that ) Tj ET Q q 0 0 0 rg BT 167.37 149.70 Td (support ) Tj ET Q q 0 0 0 rg BT 210.73 149.70 Td (the ) Tj ET Q q 0 0 0 rg BT 230.74 149.70 Td (coordination ) Tj ET Q q 0 0 0 rg BT 299.46 149.70 Td (of ) Tj ET Q q 0 0 0 rg BT 312.80 149.70 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 360.81 149.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 382.81 149.70 Td (activities) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 428.82 149.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 431.82 149.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 120.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 120.90 Td (The ) Tj ET Q q 0 0 0 rg BT 113.51 120.90 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 179.71 120.90 Td (& ) Tj ET Q q 0 0 0 rg BT 190.55 120.90 Td (Ethics ) Tj ET Q q 0 0 0 rg BT 226.06 120.90 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 280.24 120.90 Td (Committee ) Tj ET Q q 0 0 0 rg BT 341.09 120.90 Td (\(CEOC\) ) Tj ET Q q 0 0 0 rg BT 394.58 120.90 Td (provides ) Tj ET Q q 0 0 0 rg BT 442.77 120.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 494.30 120.90 Td (and ) Tj ET Q q 0 0 0 rg BT 517.15 120.90 Td (direction ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 106.50 Td (with ) Tj ET Q q 0 0 0 rg BT 114.03 106.50 Td (respect ) Tj ET Q q 0 0 0 rg BT 156.07 106.50 Td (to ) Tj ET Q q 0 0 0 rg BT 168.77 106.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 232.16 106.50 Td (policies, ) Tj ET Q q 0 0 0 rg BT 278.20 106.50 Td (implementation ) Tj ET Q q 0 0 0 rg BT 362.27 106.50 Td (of ) Tj ET Q q 0 0 0 rg BT 374.97 106.50 Td (the ) Tj ET Q q 0 0 0 rg BT 394.34 106.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 457.73 106.50 Td (and ) Tj ET Q q 0 0 0 rg BT 480.44 106.50 Td (ethics ) Tj ET Q q 0 0 0 rg BT 514.48 106.50 Td (program, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 92.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.36 92.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.37 92.10 Td (coordination ) Tj ET Q q 0 0 0 rg BT 202.08 92.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.43 92.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 272.12 92.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 336.15 92.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 388.84 92.10 Td (across ) Tj ET Q q 0 0 0 rg BT 427.52 92.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.53 92.10 Td (Corporation. ) Tj ET Q endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (14 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.00 711.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 117.14 711.30 Td (Market ) Tj ET Q q 0 0 0 rg BT 160.27 711.30 Td (& ) Tj ET Q q 0 0 0 rg BT 174.73 711.30 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 225.21 711.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 255.00 711.30 Td (Committee ) Tj ET Q q 0 0 0 rg BT 319.47 711.30 Td (\(MLRC\) ) Tj ET Q q 0 0 0 rg BT 375.92 711.30 Td (oversees ) Tj ET Q q 0 0 0 rg BT 431.07 711.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 483.54 711.30 Td (relating ) Tj ET Q q 0 0 0 rg BT 529.35 711.30 Td (to ) Tj ET Q q 0 0 0 rg BT 545.82 711.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 696.90 Td (management ) Tj ET Q q 0 0 0 rg BT 164.27 696.90 Td (of ) Tj ET Q q 0 0 0 rg BT 178.51 696.90 Td (market ) Tj ET Q q 0 0 0 rg BT 219.41 696.90 Td (and ) Tj ET Q q 0 0 0 rg BT 243.66 696.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 287.90 696.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 316.79 696.90 Td (by ) Tj ET Q q 0 0 0 rg BT 333.69 696.90 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 391.28 696.90 Td (a ) Tj ET Q q 0 0 0 rg BT 402.18 696.90 Td (focused ) Tj ET Q q 0 0 0 rg BT 448.44 696.90 Td (review ) Tj ET Q q 0 0 0 rg BT 487.34 696.90 Td (of ) Tj ET Q q 0 0 0 rg BT 501.58 696.90 Td (market ) Tj ET Q q 0 0 0 rg BT 542.48 696.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 682.50 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 138.65 682.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 165.94 682.50 Td (exposures ) Tj ET Q q 0 0 0 rg BT 229.93 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 258.58 682.50 Td (providing ) Tj ET Q q 0 0 0 rg BT 315.91 682.50 Td (rigorous ) Tj ET Q q 0 0 0 rg BT 367.89 682.50 Td (challenge ) Tj ET Q q 0 0 0 rg BT 427.89 682.50 Td (of ) Tj ET Q q 0 0 0 rg BT 446.53 682.50 Td (related ) Tj ET Q q 0 0 0 rg BT 491.84 682.50 Td (policies, ) Tj ET Q q 0 0 0 rg BT 543.83 682.50 Td (key ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 668.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 164.03 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.39 668.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 242.07 668.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 639.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 639.30 Td (The ) Tj ET Q q 0 0 0 rg BT 113.78 639.30 Td (Model ) Tj ET Q q 0 0 0 rg BT 149.56 639.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 176.00 639.30 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 230.45 639.30 Td (Committee ) Tj ET Q q 0 0 0 rg BT 291.56 639.30 Td (\(MROC\) ) Tj ET Q q 0 0 0 rg BT 347.31 639.30 Td (is ) Tj ET Q q 0 0 0 rg BT 359.08 639.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 423.55 639.30 Td (for ) Tj ET Q q 0 0 0 rg BT 440.66 639.30 Td (providing ) Tj ET Q q 0 0 0 rg BT 492.45 639.30 Td (management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 624.90 Td (attention, ) Tj ET Q q 0 0 0 rg BT 141.89 624.90 Td (direction, ) Tj ET Q q 0 0 0 rg BT 193.11 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 215.65 624.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 266.87 624.90 Td (of ) Tj ET Q q 0 0 0 rg BT 279.40 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 298.61 624.90 Td (model ) Tj ET Q q 0 0 0 rg BT 333.81 624.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 355.00 624.90 Td (management ) Tj ET Q q 0 0 0 rg BT 427.56 624.90 Td (framework ) Tj ET Q q 0 0 0 rg BT 486.10 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 508.64 624.90 Td (model ) Tj ET Q q 0 0 0 rg BT 543.85 624.90 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 610.50 Td (within ) Tj ET Q q 0 0 0 rg BT 124.01 610.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 173.82 610.50 Td (T) Tj ET Q q 0 0 0 rg BT 180.70 610.50 Td (rust.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (In ) Tj ET Q q 0 0 0 rg BT 67.19 581.70 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.42 581.70 Td (to ) Tj ET Q q 0 0 0 rg BT 125.61 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 145.48 581.70 Td (aforementioned ) Tj ET Q q 0 0 0 rg BT 232.05 581.70 Td (committees, ) Tj ET Q q 0 0 0 rg BT 299.92 581.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 349.59 581.70 Td (T) Tj ET Q q 0 0 0 rg BT 356.47 581.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 379.66 581.70 Td (deploys ) Tj ET Q q 0 0 0 rg BT 424.21 581.70 Td (business ) Tj ET Q q 0 0 0 rg BT 474.76 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 497.96 581.70 Td (regional ) Tj ET Q q 0 0 0 rg BT 543.85 581.70 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (committees ) Tj ET Q q 0 0 0 rg BT 119.10 567.30 Td (that ) Tj ET Q q 0 0 0 rg BT 142.88 567.30 Td (also ) Tj ET Q q 0 0 0 rg BT 168.65 567.30 Td (report ) Tj ET Q q 0 0 0 rg BT 203.75 567.30 Td (into ) Tj ET Q q 0 0 0 rg BT 226.86 567.30 Td (GERC. ) Tj ET Q q 0 0 0 rg BT 268.62 567.30 Td (For ) Tj ET Q q 0 0 0 rg BT 290.38 567.30 Td (more ) Tj ET Q q 0 0 0 rg BT 321.47 567.30 Td (detail ) Tj ET Q q 0 0 0 rg BT 353.92 567.30 Td (on ) Tj ET Q q 0 0 0 rg BT 371.02 567.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 393.44 567.30 Td (practices ) Tj ET Q q 0 0 0 rg BT 445.22 567.30 Td (at ) Tj ET Q q 0 0 0 rg BT 458.98 567.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 509.18 567.30 Td (T) Tj ET Q q 0 0 0 rg BT 516.07 567.30 Td (rust, ) Tj ET Q q 0 0 0 rg BT 543.16 567.30 Td (see ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (the ) Tj ET Q q 0 0 0 rg BT 74.02 552.90 Td (relevant ) Tj ET Q q 0 0 0 rg BT 120.04 552.90 Td (discussions ) Tj ET Q q 0 0 0 rg BT 185.40 552.90 Td (on ) Tj ET Q q 0 0 0 rg BT 202.08 552.90 Td (pages ) Tj ET Q q 0 0 0 rg BT 238.11 552.90 Td (16, ) Tj ET Q q 0 0 0 rg BT 258.13 552.90 Td (28, ) Tj ET Q q 0 0 0 rg BT 278.14 552.90 Td (and ) Tj ET Q q 0 0 0 rg BT 301.50 552.90 Td (31.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 82.68 524.10 Td (Identification ) Tj ET Q q 0 0 0 rg BT 160.68 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.35 524.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 214.03 524.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 290.71 524.10 Td (Process) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (As ) Tj ET Q q 0 0 0 rg BT 73.53 495.30 Td (part ) Tj ET Q q 0 0 0 rg BT 99.72 495.30 Td (of ) Tj ET Q q 0 0 0 rg BT 115.25 495.30 Td (the ) Tj ET Q q 0 0 0 rg BT 137.46 495.30 Td (integrated ) Tj ET Q q 0 0 0 rg BT 196.35 495.30 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 255.23 495.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 279.42 495.30 Td (framework, ) Tj ET Q q 0 0 0 rg BT 344.28 495.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 396.13 495.30 Td (T) Tj ET Q q 0 0 0 rg BT 403.02 495.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 428.54 495.30 Td (has ) Tj ET Q q 0 0 0 rg BT 453.41 495.30 Td (established ) Tj ET Q q 0 0 0 rg BT 519.64 495.30 Td (key ) Tj ET Q q 0 0 0 rg BT 543.84 495.30 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (identification ) Tj ET Q q 0 0 0 rg BT 123.33 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 145.98 480.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 167.26 480.90 Td (management ) Tj ET Q q 0 0 0 rg BT 239.93 480.90 Td (processes, ) Tj ET Q q 0 0 0 rg BT 300.58 480.90 Td (embedded ) Tj ET Q q 0 0 0 rg BT 359.92 480.90 Td (within ) Tj ET Q q 0 0 0 rg BT 393.22 480.90 Td (its ) Tj ET Q q 0 0 0 rg BT 407.85 480.90 Td (businesses ) Tj ET Q q 0 0 0 rg BT 470.50 480.90 Td (to ) Tj ET Q q 0 0 0 rg BT 483.14 480.90 Td (enable ) Tj ET Q q 0 0 0 rg BT 521.80 480.90 Td (prudent ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (risk-taking ) Tj ET Q q 0 0 0 rg BT 112.67 466.50 Td (behavior) Tj ET Q q 0 0 0 rg BT 158.04 466.50 Td (. ) Tj ET Q q 0 0 0 rg BT 165.37 466.50 Td (Integral ) Tj ET Q q 0 0 0 rg BT 209.38 466.50 Td (to ) Tj ET Q q 0 0 0 rg BT 223.38 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 244.06 466.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 266.71 466.50 Td (framework ) Tj ET Q q 0 0 0 rg BT 326.71 466.50 Td (are ) Tj ET Q q 0 0 0 rg BT 348.05 466.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 398.47 466.50 Td (T) Tj ET Q q 0 0 0 rg BT 405.35 466.50 Td (rust) Tj ET Q q 0 0 0 rg BT 427.80 466.50 Td (s ) Tj ET Q q 0 0 0 rg BT 437.80 466.50 Td (processes ) Tj ET Q q 0 0 0 rg BT 496.48 466.50 Td (for ) Tj ET Q q 0 0 0 rg BT 514.47 466.50 Td (definition ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 79.74 452.10 Td (communication ) Tj ET Q q 0 0 0 rg BT 166.16 452.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.89 452.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 245.65 452.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 270.03 452.10 Td (appetite ) Tj ET Q q 0 0 0 rg BT 318.45 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.19 452.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 397.27 452.10 Td (against ) Tj ET Q q 0 0 0 rg BT 441.68 452.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 466.06 452.10 Td (appetite, ) Tj ET Q q 0 0 0 rg BT 517.82 452.10 Td (dynamic ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (assessment ) Tj ET Q q 0 0 0 rg BT 122.04 437.70 Td (of ) Tj ET Q q 0 0 0 rg BT 136.07 437.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 158.75 437.70 Td (against ) Tj ET Q q 0 0 0 rg BT 201.46 437.70 Td (its ) Tj ET Q q 0 0 0 rg BT 217.48 437.70 Td (strategic ) Tj ET Q q 0 0 0 rg BT 266.85 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 290.89 437.70 Td (business ) Tj ET Q q 0 0 0 rg BT 342.27 437.70 Td (objectives, ) Tj ET Q q 0 0 0 rg BT 402.98 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 427.02 437.70 Td (a ) Tj ET Q q 0 0 0 rg BT 437.71 437.70 Td (three ) Tj ET Q q 0 0 0 rg BT 473.07 437.70 Td (lines ) Tj ET Q q 0 0 0 rg BT 501.77 437.70 Td (of ) Tj ET Q q 0 0 0 rg BT 515.80 437.70 Td (defense ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (operating ) Tj ET Q q 0 0 0 rg BT 107.37 423.30 Td (model.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.38 394.50 Td (T) Tj ET Q q 0 0 0 rg BT 111.26 394.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 135.22 394.50 Td (defines ) Tj ET Q q 0 0 0 rg BT 177.86 394.50 Td (the ) Tj ET Q q 0 0 0 rg BT 198.49 394.50 Td (organization) Tj ET Q q 0 0 0 rg BT 266.32 394.50 Td (s ) Tj ET Q q 0 0 0 rg BT 276.27 394.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 298.88 394.50 Td (appetite ) Tj ET Q q 0 0 0 rg BT 345.53 394.50 Td (as ) Tj ET Q q 0 0 0 rg BT 362.16 394.50 Td (the ) Tj ET Q q 0 0 0 rg BT 382.79 394.50 Td (amount ) Tj ET Q q 0 0 0 rg BT 426.76 394.50 Td (and ) Tj ET Q q 0 0 0 rg BT 450.73 394.50 Td (types ) Tj ET Q q 0 0 0 rg BT 483.36 394.50 Td (of ) Tj ET Q q 0 0 0 rg BT 497.32 394.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 519.93 394.50 Td (that ) Tj ET Q q 0 0 0 rg BT 543.90 394.50 Td (it ) Tj ET Q q 0 0 0 rg BT 553.85 394.50 Td (is ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (willing ) Tj ET Q q 0 0 0 rg BT 91.03 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.39 380.10 Td (assume ) Tj ET Q q 0 0 0 rg BT 151.76 380.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.45 380.10 Td (its ) Tj ET Q q 0 0 0 rg BT 181.80 380.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 241.52 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.89 380.10 Td (business ) Tj ET Q q 0 0 0 rg BT 317.60 380.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 367.97 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.33 380.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 428.04 380.10 Td (its ) Tj ET Q q 0 0 0 rg BT 444.39 380.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 494.10 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.47 380.10 Td (financial ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (objectives. ) Tj ET Q q 0 0 0 rg BT 115.70 365.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 167.07 365.70 Td (T) Tj ET Q q 0 0 0 rg BT 173.95 365.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 198.96 365.70 Td (manages ) Tj ET Q q 0 0 0 rg BT 253.34 365.70 Td (its ) Tj ET Q q 0 0 0 rg BT 270.34 365.70 Td (business ) Tj ET Q q 0 0 0 rg BT 322.71 365.70 Td (activities ) Tj ET Q q 0 0 0 rg BT 373.73 365.70 Td (consistent ) Tj ET Q q 0 0 0 rg BT 432.77 365.70 Td (with ) Tj ET Q q 0 0 0 rg BT 459.11 365.70 Td (the ) Tj ET Q q 0 0 0 rg BT 480.80 365.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 539.17 365.70 Td (Risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (Appetite ) Tj ET Q q 0 0 0 rg BT 101.15 351.30 Td (Statement, ) Tj ET Q q 0 0 0 rg BT 162.29 351.30 Td (in ) Tj ET Q q 0 0 0 rg BT 174.74 351.30 Td (which ) Tj ET Q q 0 0 0 rg BT 208.54 351.30 Td (specific ) Tj ET Q q 0 0 0 rg BT 251.66 351.30 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 308.82 351.30 Td (are ) Tj ET Q q 0 0 0 rg BT 329.27 351.30 Td (detailed ) Tj ET Q q 0 0 0 rg BT 374.42 351.30 Td (for ) Tj ET Q q 0 0 0 rg BT 391.54 351.30 Td (each ) Tj ET Q q 0 0 0 rg BT 420.67 351.30 Td (key ) Tj ET Q q 0 0 0 rg BT 442.46 351.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 464.23 351.30 Td (category) Tj ET Q q 0 0 0 rg BT 509.37 351.30 Td (. ) Tj ET Q q 0 0 0 rg BT 515.81 351.30 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 336.90 Td (rust) Tj ET Q q 0 0 0 rg BT 83.34 336.90 Td (s ) Tj ET Q q 0 0 0 rg BT 95.97 336.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 155.96 336.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 184.61 336.90 Td (Appetite ) Tj ET Q q 0 0 0 rg BT 235.27 336.90 Td (Statement ) Tj ET Q q 0 0 0 rg BT 296.60 336.90 Td (reflects ) Tj ET Q q 0 0 0 rg BT 341.91 336.90 Td (the ) Tj ET Q q 0 0 0 rg BT 365.23 336.90 Td (expectation ) Tj ET Q q 0 0 0 rg BT 433.24 336.90 Td (that ) Tj ET Q q 0 0 0 rg BT 459.88 336.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 485.18 336.90 Td (is ) Tj ET Q q 0 0 0 rg BT 500.47 336.90 Td (consciously ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (considered ) Tj ET Q q 0 0 0 rg BT 114.40 322.50 Td (as ) Tj ET Q q 0 0 0 rg BT 128.78 322.50 Td (part ) Tj ET Q q 0 0 0 rg BT 151.16 322.50 Td (of ) Tj ET Q q 0 0 0 rg BT 162.86 322.50 Td (day-to-day ) Tj ET Q q 0 0 0 rg BT 221.26 322.50 Td (activities ) Tj ET Q q 0 0 0 rg BT 268.97 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.69 322.50 Td (strategic ) Tj ET Q q 0 0 0 rg BT 337.74 322.50 Td (decisions. ) Tj ET Q q 0 0 0 rg BT 392.81 322.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 441.08 322.50 Td (T) Tj ET Q q 0 0 0 rg BT 447.97 322.50 Td (rust) Tj ET Q q 0 0 0 rg BT 470.42 322.50 Td (s ) Tj ET Q q 0 0 0 rg BT 478.12 322.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 498.48 322.50 Td (assessment ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 308.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 103.70 308.10 Td (aligned ) Tj ET Q q 0 0 0 rg BT 146.75 308.10 Td (with ) Tj ET Q q 0 0 0 rg BT 172.43 308.10 Td (this ) Tj ET Q q 0 0 0 rg BT 195.45 308.10 Td (expectation, ) Tj ET Q q 0 0 0 rg BT 264.51 308.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 312.21 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.56 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 337.58 308.10 Td (series ) Tj ET Q q 0 0 0 rg BT 373.94 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.29 308.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 443.32 308.10 Td (that ) Tj ET Q q 0 0 0 rg BT 467.68 308.10 Td (identify) Tj ET Q q 0 0 0 rg BT 504.81 308.10 Td (, ) Tj ET Q q 0 0 0 rg BT 512.50 308.10 Td (measure, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (manage ) Tj ET Q q 0 0 0 rg BT 100.98 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 124.62 293.70 Td (report ) Tj ET Q q 0 0 0 rg BT 159.59 293.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 187.87 293.70 Td (in ) Tj ET Q q 0 0 0 rg BT 200.83 293.70 Td (line ) Tj ET Q q 0 0 0 rg BT 223.13 293.70 Td (with ) Tj ET Q q 0 0 0 rg BT 248.09 293.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 270.37 293.70 Td (appetite ) Tj ET Q q 0 0 0 rg BT 316.69 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 340.33 293.70 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 400.60 293.70 Td (A) Tj ET Q q 0 0 0 rg BT 407.95 293.70 Td ( ) Tj ET Q q 0 0 0 rg BT 411.56 293.70 Td (common ) Tj ET Q q 0 0 0 rg BT 461.20 293.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 483.48 293.70 Td (language ) Tj ET Q q 0 0 0 rg BT 536.48 293.70 Td (used ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 279.30 Td (across ) Tj ET Q q 0 0 0 rg BT 93.07 279.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 143.24 279.30 Td (T) Tj ET Q q 0 0 0 rg BT 150.12 279.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 173.85 279.30 Td (supports ) Tj ET Q q 0 0 0 rg BT 223.60 279.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 245.99 279.30 Td (identification ) Tj ET Q q 0 0 0 rg BT 316.42 279.30 Td (processes ) Tj ET Q q 0 0 0 rg BT 374.84 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 398.58 279.30 Td (consistent ) Tj ET Q q 0 0 0 rg BT 456.34 279.30 Td (identification ) Tj ET Q q 0 0 0 rg BT 526.77 279.30 Td (of ) Tj ET Q q 0 0 0 rg BT 540.50 279.30 Td (risk, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (designation ) Tj ET Q q 0 0 0 rg BT 118.04 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 130.70 264.90 Td (material ) Tj ET Q q 0 0 0 rg BT 176.03 264.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 203.35 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 226.02 264.90 Td (grouping ) Tj ET Q q 0 0 0 rg BT 275.38 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 288.04 264.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 315.36 264.90 Td (into ) Tj ET Q q 0 0 0 rg BT 337.36 264.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 358.67 264.90 Td (themes ) Tj ET Q q 0 0 0 rg BT 400.68 264.90 Td (for ) Tj ET Q q 0 0 0 rg BT 417.33 264.90 Td (ef) Tj ET Q q 0 0 0 rg BT 427.13 264.90 Td (fective ) Tj ET Q q 0 0 0 rg BT 464.46 264.90 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 513.80 264.90 Td (oversight ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 250.50 Td (and ) Tj ET Q q 0 0 0 rg BT 77.36 250.50 Td (management ) Tj ET Q q 0 0 0 rg BT 150.73 250.50 Td (of ) Tj ET Q q 0 0 0 rg BT 164.07 250.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 213.88 250.50 Td (T) Tj ET Q q 0 0 0 rg BT 220.76 250.50 Td (rust) Tj ET Q q 0 0 0 rg BT 243.22 250.50 Td (s ) Tj ET Q q 0 0 0 rg BT 252.55 250.50 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 309.93 250.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 331.93 250.50 Td (profile.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.95 250.50 Td ( ) Tj ET Q q 0 0 0 rg BT 370.45 250.50 Td ( ) Tj ET Q q 0 0 0 rg BT 372.95 250.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 221.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 105.79 221.70 Td (T) Tj ET Q q 0 0 0 rg BT 112.67 221.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 138.14 221.70 Td (maintains ) Tj ET Q q 0 0 0 rg BT 194.95 221.70 Td (a ) Tj ET Q q 0 0 0 rg BT 207.08 221.70 Td (three ) Tj ET Q q 0 0 0 rg BT 243.89 221.70 Td (lines ) Tj ET Q q 0 0 0 rg BT 274.02 221.70 Td (of ) Tj ET Q q 0 0 0 rg BT 289.49 221.70 Td (defense ) Tj ET Q q 0 0 0 rg BT 341.65 221.70 Td (operating ) Tj ET Q q 0 0 0 rg BT 397.14 221.70 Td (model ) Tj ET Q q 0 0 0 rg BT 435.28 221.70 Td (to ) Tj ET Q q 0 0 0 rg BT 450.75 221.70 Td (embed ) Tj ET Q q 0 0 0 rg BT 492.90 221.70 Td (a ) Tj ET Q q 0 0 0 rg BT 505.03 221.70 Td (robust ) Tj ET Q q 0 0 0 rg BT 543.84 221.70 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 207.30 Td (management ) Tj ET Q q 0 0 0 rg BT 126.75 207.30 Td (capability ) Tj ET Q q 0 0 0 rg BT 179.48 207.30 Td (within ) Tj ET Q q 0 0 0 rg BT 212.87 207.30 Td (its ) Tj ET Q q 0 0 0 rg BT 227.57 207.30 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 293.47 207.30 Td (The ) Tj ET Q q 0 0 0 rg BT 316.85 207.30 Td (model, ) Tj ET Q q 0 0 0 rg BT 355.58 207.30 Td (used ) Tj ET Q q 0 0 0 rg BT 384.30 207.30 Td (to ) Tj ET Q q 0 0 0 rg BT 397.02 207.30 Td (communicate ) Tj ET Q q 0 0 0 rg BT 471.08 207.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 492.45 207.30 Td (management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 192.90 Td (expectations ) Tj ET Q q 0 0 0 rg BT 125.95 192.90 Td (across ) Tj ET Q q 0 0 0 rg BT 165.88 192.90 Td (the ) Tj ET Q q 0 0 0 rg BT 187.14 192.90 Td (organization, ) Tj ET Q q 0 0 0 rg BT 260.43 192.90 Td (contains ) Tj ET Q q 0 0 0 rg BT 309.70 192.90 Td (three ) Tj ET Q q 0 0 0 rg BT 341.63 192.90 Td (roles, ) Tj ET Q q 0 0 0 rg BT 375.55 192.90 Td (each ) Tj ET Q q 0 0 0 rg BT 406.15 192.90 Td (a ) Tj ET Q q 0 0 0 rg BT 417.40 192.90 Td (complimentary ) Tj ET Q q 0 0 0 rg BT 500.00 192.90 Td (level ) Tj ET Q q 0 0 0 rg BT 529.26 192.90 Td (of ) Tj ET Q q 0 0 0 rg BT 543.84 192.90 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 178.50 Td (management ) Tj ET Q q 0 0 0 rg BT 126.77 178.50 Td (accountability) Tj ET Q q 0 0 0 rg BT 198.59 178.50 Td (. ) Tj ET Q q 0 0 0 rg BT 204.65 178.50 Td (Within ) Tj ET Q q 0 0 0 rg BT 240.71 178.50 Td (this ) Tj ET Q q 0 0 0 rg BT 262.12 178.50 Td (operating ) Tj ET Q q 0 0 0 rg BT 314.88 178.50 Td (model, ) Tj ET Q q 0 0 0 rg BT 353.63 178.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 402.86 178.50 Td (T) Tj ET Q q 0 0 0 rg BT 409.75 178.50 Td (rust) Tj ET Q q 0 0 0 rg BT 432.20 178.50 Td (s ) Tj ET Q q 0 0 0 rg BT 440.93 178.50 Td (businesses ) Tj ET Q q 0 0 0 rg BT 503.69 178.50 Td (are ) Tj ET Q q 0 0 0 rg BT 523.76 178.50 Td (the ) Tj ET Q q 0 0 0 rg BT 543.17 178.50 Td (first ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 164.10 Td (line ) Tj ET Q q 0 0 0 rg BT 76.19 164.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.71 164.10 Td (defense ) Tj ET Q q 0 0 0 rg BT 135.93 164.10 Td (for ) Tj ET Q q 0 0 0 rg BT 153.45 164.10 Td (protecting ) Tj ET Q q 0 0 0 rg BT 209.66 164.10 Td (it ) Tj ET Q q 0 0 0 rg BT 219.17 164.10 Td (against ) Tj ET Q q 0 0 0 rg BT 261.38 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.58 164.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 309.75 164.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 356.63 164.10 Td (in ) Tj ET Q q 0 0 0 rg BT 369.48 164.10 Td (its ) Tj ET Q q 0 0 0 rg BT 385.00 164.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 448.54 164.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.08 164.10 Td (are ) Tj ET Q q 0 0 0 rg BT 492.94 164.10 Td (supported ) Tj ET Q q 0 0 0 rg BT 549.82 164.10 Td (by ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 149.70 Td (dedicated ) Tj ET Q q 0 0 0 rg BT 109.47 149.70 Td (business ) Tj ET Q q 0 0 0 rg BT 160.26 149.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 182.35 149.70 Td (management ) Tj ET Q q 0 0 0 rg BT 255.82 149.70 Td (teams. ) Tj ET Q q 0 0 0 rg BT 295.03 149.70 Td (The ) Tj ET Q q 0 0 0 rg BT 319.14 149.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 345.90 149.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 419.37 149.70 Td (function, ) Tj ET Q q 0 0 0 rg BT 468.16 149.70 Td (the ) Tj ET Q q 0 0 0 rg BT 488.26 149.70 Td (second ) Tj ET Q q 0 0 0 rg BT 530.39 149.70 Td (line ) Tj ET Q q 0 0 0 rg BT 552.49 149.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 135.30 Td (defense, ) Tj ET Q q 0 0 0 rg BT 102.40 135.30 Td (sets ) Tj ET Q q 0 0 0 rg BT 126.78 135.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.83 135.30 Td (direction ) Tj ET Q q 0 0 0 rg BT 193.55 135.30 Td (for ) Tj ET Q q 0 0 0 rg BT 209.92 135.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 258.82 135.30 Td (T) Tj ET Q q 0 0 0 rg BT 265.71 135.30 Td (rust) Tj ET Q q 0 0 0 rg BT 288.16 135.30 Td (s ) Tj ET Q q 0 0 0 rg BT 296.53 135.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 317.56 135.30 Td (management ) Tj ET Q q 0 0 0 rg BT 389.97 135.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 438.35 135.30 Td (and ) Tj ET Q q 0 0 0 rg BT 460.74 135.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 508.46 135.30 Td (aggregate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 120.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 75.25 120.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 126.52 120.90 Td (and ) Tj ET Q q 0 0 0 rg BT 149.13 120.90 Td (reporting ) Tj ET Q q 0 0 0 rg BT 199.07 120.90 Td (in ) Tj ET Q q 0 0 0 rg BT 210.99 120.90 Td (support ) Tj ET Q q 0 0 0 rg BT 253.60 120.90 Td (of ) Tj ET Q q 0 0 0 rg BT 266.19 120.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 287.44 120.90 Td (governance. ) Tj ET Q q 0 0 0 rg BT 355.56 120.90 Td (Audit ) Tj ET Q q 0 0 0 rg BT 385.49 120.90 Td (Services, ) Tj ET Q q 0 0 0 rg BT 437.42 120.90 Td (the ) Tj ET Q q 0 0 0 rg BT 456.69 120.90 Td (third ) Tj ET Q q 0 0 0 rg BT 482.62 120.90 Td (line ) Tj ET Q q 0 0 0 rg BT 503.88 120.90 Td (of ) Tj ET Q q 0 0 0 rg BT 516.47 120.90 Td (defense, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 106.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 101.12 106.50 Td (independent ) Tj ET Q q 0 0 0 rg BT 168.94 106.50 Td (assurance ) Tj ET Q q 0 0 0 rg BT 226.06 106.50 Td (as ) Tj ET Q q 0 0 0 rg BT 240.49 106.50 Td (to ) Tj ET Q q 0 0 0 rg BT 252.26 106.50 Td (the ) Tj ET Q q 0 0 0 rg BT 270.70 106.50 Td (ef) Tj ET Q q 0 0 0 rg BT 280.49 106.50 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 342.28 106.50 Td (of ) Tj ET Q q 0 0 0 rg BT 354.04 106.50 Td (the ) Tj ET Q q 0 0 0 rg BT 372.48 106.50 Td (integrated ) Tj ET Q q 0 0 0 rg BT 427.62 106.50 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 482.74 106.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 503.16 106.50 Td (framework.) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (15 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Systems) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 81.81 682.50 Td (data ) Tj ET Q q 0 0 0 rg BT 109.65 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 134.15 682.50 Td (technology ) Tj ET Q q 0 0 0 rg BT 196.68 682.50 Td (form ) Tj ET Q q 0 0 0 rg BT 225.16 682.50 Td (the ) Tj ET Q q 0 0 0 rg BT 246.32 682.50 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 320.83 682.50 Td (that ) Tj ET Q q 0 0 0 rg BT 345.33 682.50 Td (enables ) Tj ET Q q 0 0 0 rg BT 391.84 682.50 Td (the ) Tj ET Q q 0 0 0 rg BT 413.01 682.50 Td (successful ) Tj ET Q q 0 0 0 rg BT 473.51 682.50 Td (execution ) Tj ET Q q 0 0 0 rg BT 529.36 682.50 Td (of ) Tj ET Q q 0 0 0 rg BT 543.85 682.50 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (management ) Tj ET Q q 0 0 0 rg BT 126.88 668.10 Td (processes. ) Tj ET Q q 0 0 0 rg BT 187.73 668.10 Td (Data ) Tj ET Q q 0 0 0 rg BT 215.91 668.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 253.43 668.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 306.96 668.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 339.13 668.10 Td (as ) Tj ET Q q 0 0 0 rg BT 354.64 668.10 Td (accuracy) Tj ET Q q 0 0 0 rg BT 401.77 668.10 Td (, ) Tj ET Q q 0 0 0 rg BT 407.93 668.10 Td (consistency ) Tj ET Q q 0 0 0 rg BT 473.46 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.31 668.10 Td (integrity\) ) Tj ET Q q 0 0 0 rg BT 545.16 668.10 Td (are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (an ) Tj ET Q q 0 0 0 rg BT 71.70 653.70 Td (integral ) Tj ET Q q 0 0 0 rg BT 115.41 653.70 Td (element ) Tj ET Q q 0 0 0 rg BT 162.46 653.70 Td (of ) Tj ET Q q 0 0 0 rg BT 176.82 653.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 227.57 653.70 Td (T) Tj ET Q q 0 0 0 rg BT 234.46 653.70 Td (rust) Tj ET Q q 0 0 0 rg BT 256.91 653.70 Td (s ) Tj ET Q q 0 0 0 rg BT 267.26 653.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 290.28 653.70 Td (measurement ) Tj ET Q q 0 0 0 rg BT 368.00 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 392.37 653.70 Td (management ) Tj ET Q q 0 0 0 rg BT 466.77 653.70 Td (process, ) Tj ET Q q 0 0 0 rg BT 516.47 653.70 Td (ensuring ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (quality) Tj ET Q q 0 0 0 rg BT 87.80 639.30 Td (, ) Tj ET Q q 0 0 0 rg BT 94.09 639.30 Td (control ) Tj ET Q q 0 0 0 rg BT 133.07 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 156.06 639.30 Td (protection ) Tj ET Q q 0 0 0 rg BT 211.72 639.30 Td (of ) Tj ET Q q 0 0 0 rg BT 224.69 639.30 Td (the ) Tj ET Q q 0 0 0 rg BT 244.34 639.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 265.96 639.30 Td (data ) Tj ET Q q 0 0 0 rg BT 292.28 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 315.26 639.30 Td (systems ) Tj ET Q q 0 0 0 rg BT 362.23 639.30 Td (at ) Tj ET Q q 0 0 0 rg BT 375.20 639.30 Td (both ) Tj ET Q q 0 0 0 rg BT 401.52 639.30 Td (corporate ) Tj ET Q q 0 0 0 rg BT 455.18 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 478.16 639.30 Td (business ) Tj ET Q q 0 0 0 rg BT 528.49 639.30 Td (levels. ) Tj ET Q q 0 0 0 rg BT 565.83 639.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (Independent ) Tj ET Q q 0 0 0 rg BT 128.67 610.50 Td (Review ) Tj ET Q q 0 0 0 rg BT 173.36 610.50 Td (and ) Tj ET Q q 0 0 0 rg BT 198.02 610.50 Td (V) Tj ET Q q 0 0 0 rg BT 205.37 610.50 Td (erification) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 80.67 581.70 Td (Control ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 79.61 552.90 Td (Control ) Tj ET Q q 0 0 0 rg BT 120.57 552.90 Td (is ) Tj ET Q q 0 0 0 rg BT 131.51 552.90 Td (an ) Tj ET Q q 0 0 0 rg BT 147.13 552.90 Td (internal, ) Tj ET Q q 0 0 0 rg BT 192.10 552.90 Td (independent ) Tj ET Q q 0 0 0 rg BT 260.44 552.90 Td (review ) Tj ET Q q 0 0 0 rg BT 297.39 552.90 Td (function ) Tj ET Q q 0 0 0 rg BT 341.70 552.90 Td (within ) Tj ET Q q 0 0 0 rg BT 374.65 552.90 Td (the ) Tj ET Q q 0 0 0 rg BT 393.61 552.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 419.22 552.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 491.54 552.90 Td (function. ) Tj ET Q q 0 0 0 rg BT 539.18 552.90 Td (Risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (Control ) Tj ET Q q 0 0 0 rg BT 94.89 538.50 Td (is ) Tj ET Q q 0 0 0 rg BT 105.77 538.50 Td (managed ) Tj ET Q q 0 0 0 rg BT 158.02 538.50 Td (by ) Tj ET Q q 0 0 0 rg BT 172.91 538.50 Td (the ) Tj ET Q q 0 0 0 rg BT 191.80 538.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 222.02 538.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 247.57 538.50 Td (Control ) Tj ET Q q 0 0 0 rg BT 288.46 538.50 Td (Of) Tj ET Q q 0 0 0 rg BT 300.91 538.50 Td (ficer ) Tj ET Q q 0 0 0 rg BT 325.79 538.50 Td (and ) Tj ET Q q 0 0 0 rg BT 348.03 538.50 Td (is ) Tj ET Q q 0 0 0 rg BT 358.90 538.50 Td (comprised ) Tj ET Q q 0 0 0 rg BT 416.47 538.50 Td (of ) Tj ET Q q 0 0 0 rg BT 428.69 538.50 Td (Model ) Tj ET Q q 0 0 0 rg BT 463.58 538.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 489.12 538.50 Td (Management, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 89.26 524.10 Td (Review) Tj ET Q q 0 0 0 rg BT 127.94 524.10 Td (, ) Tj ET Q q 0 0 0 rg BT 134.53 524.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 172.47 524.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 238.87 524.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.87 524.10 Td (esting ) Tj ET Q q 0 0 0 rg BT 280.14 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.42 524.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 336.68 524.10 Td (Independent ) Tj ET Q q 0 0 0 rg BT 406.67 524.10 Td (V) Tj ET Q q 0 0 0 rg BT 414.01 524.10 Td (erification ) Tj ET Q q 0 0 0 rg BT 468.62 524.10 Td (groups, ) Tj ET Q q 0 0 0 rg BT 511.89 524.10 Td (each ) Tj ET Q q 0 0 0 rg BT 541.17 524.10 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (its ) Tj ET Q q 0 0 0 rg BT 69.61 509.70 Td (own ) Tj ET Q q 0 0 0 rg BT 95.24 509.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 117.51 509.70 Td (focus ) Tj ET Q q 0 0 0 rg BT 149.80 509.70 Td (and ) Tj ET Q q 0 0 0 rg BT 173.43 509.70 Td (oversight. ) Tj ET Q q 0 0 0 rg BT 229.07 509.70 Td (Model ) Tj ET Q q 0 0 0 rg BT 265.36 509.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 292.31 509.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 365.96 509.70 Td (is ) Tj ET Q q 0 0 0 rg BT 378.24 509.70 Td (responsible ) Tj ET Q q 0 0 0 rg BT 443.22 509.70 Td (for ) Tj ET Q q 0 0 0 rg BT 460.83 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 481.13 509.70 Td (implementation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 77.19 495.30 Td (management ) Tj ET Q q 0 0 0 rg BT 150.41 495.30 Td (of ) Tj ET Q q 0 0 0 rg BT 163.59 495.30 Td (the ) Tj ET Q q 0 0 0 rg BT 183.44 495.30 Td (enterprise-wide ) Tj ET Q q 0 0 0 rg BT 268.65 495.30 Td (model ) Tj ET Q q 0 0 0 rg BT 304.50 495.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 326.34 495.30 Td (framework ) Tj ET Q q 0 0 0 rg BT 385.52 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 408.71 495.30 Td (independently ) Tj ET Q q 0 0 0 rg BT 486.61 495.30 Td (validating ) Tj ET Q q 0 0 0 rg BT 540.48 495.30 Td (new ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (models ) Tj ET Q q 0 0 0 rg BT 95.51 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 118.35 480.90 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 171.86 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 194.71 480.90 Td (re-validating ) Tj ET Q q 0 0 0 rg BT 262.90 480.90 Td (existing ) Tj ET Q q 0 0 0 rg BT 306.41 480.90 Td (models.Credit ) Tj ET Q q 0 0 0 rg BT 386.59 480.90 Td (Review ) Tj ET Q q 0 0 0 rg BT 428.76 480.90 Td (provides ) Tj ET Q q 0 0 0 rg BT 476.94 480.90 Td (an ) Tj ET Q q 0 0 0 rg BT 493.11 480.90 Td (independent, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 101.10 466.50 Td (assessment ) Tj ET Q q 0 0 0 rg BT 169.51 466.50 Td (of ) Tj ET Q q 0 0 0 rg BT 183.90 466.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 217.63 466.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 271.39 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 295.80 466.50 Td (related ) Tj ET Q q 0 0 0 rg BT 336.87 466.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 370.61 466.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 393.65 466.50 Td (management ) Tj ET Q q 0 0 0 rg BT 468.08 466.50 Td (processes ) Tj ET Q q 0 0 0 rg BT 527.16 466.50 Td (across ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.89 452.10 Td (T) Tj ET Q q 0 0 0 rg BT 109.77 452.10 Td (rust. ) Tj ET Q q 0 0 0 rg BT 135.46 452.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 172.50 452.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 238.06 452.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.06 452.10 Td (esting ) Tj ET Q q 0 0 0 rg BT 278.44 452.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 332.16 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.19 452.10 Td (ef) Tj ET Q q 0 0 0 rg BT 360.99 452.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 423.37 452.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.73 452.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 498.12 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.49 452.10 Td (controls ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (designed ) Tj ET Q q 0 0 0 rg BT 106.27 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 119.83 437.70 Td (comply ) Tj ET Q q 0 0 0 rg BT 161.40 437.70 Td (with ) Tj ET Q q 0 0 0 rg BT 186.30 437.70 Td (relevant ) Tj ET Q q 0 0 0 rg BT 232.55 437.70 Td (laws ) Tj ET Q q 0 0 0 rg BT 260.12 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 283.70 437.70 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 349.29 437.70 Td (as ) Tj ET Q q 0 0 0 rg BT 365.53 437.70 Td (well ) Tj ET Q q 0 0 0 rg BT 389.76 437.70 Td (as ) Tj ET Q q 0 0 0 rg BT 405.99 437.70 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 485.60 437.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 535.61 437.70 Td (T) Tj ET Q q 0 0 0 rg BT 542.50 437.70 Td (rust ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (policies ) Tj ET Q q 0 0 0 rg BT 101.91 423.30 Td (governing ) Tj ET Q q 0 0 0 rg BT 162.51 423.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 223.76 423.30 Td (compliance ) Tj ET Q q 0 0 0 rg BT 292.35 423.30 Td (activities. ) Tj ET Q q 0 0 0 rg BT 349.59 423.30 Td (Lastly) Tj ET Q q 0 0 0 rg BT 380.04 423.30 Td (, ) Tj ET Q q 0 0 0 rg BT 391.27 423.30 Td (Basel ) Tj ET Q q 0 0 0 rg BT 429.18 423.30 Td (Independent ) Tj ET Q q 0 0 0 rg BT 503.80 423.30 Td (V) Tj ET Q q 0 0 0 rg BT 511.14 423.30 Td (erification ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 408.90 Td (promotes ) Tj ET Q q 0 0 0 rg BT 106.94 408.90 Td (rigor ) Tj ET Q q 0 0 0 rg BT 133.87 408.90 Td (and ) Tj ET Q q 0 0 0 rg BT 156.82 408.90 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 207.76 408.90 Td (in ) Tj ET Q q 0 0 0 rg BT 220.02 408.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 269.44 408.90 Td (T) Tj ET Q q 0 0 0 rg BT 276.32 408.90 Td (rust) Tj ET Q q 0 0 0 rg BT 298.78 408.90 Td (s ) Tj ET Q q 0 0 0 rg BT 307.70 408.90 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 353.33 408.90 Td (compliance ) Tj ET Q q 0 0 0 rg BT 416.95 408.90 Td (with ) Tj ET Q q 0 0 0 rg BT 441.21 408.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 474.15 408.90 Td (III. ) Tj ET Q q 0 0 0 rg BT 490.22 408.90 Td (The ) Tj ET Q q 0 0 0 rg BT 513.82 408.90 Td (Business ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 80.67 394.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 142.01 394.50 Td (oversees ) Tj ET Q q 0 0 0 rg BT 194.04 394.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 220.71 394.50 Td (Control ) Tj ET Q q 0 0 0 rg BT 262.72 394.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 314.75 394.50 Td (as ) Tj ET Q q 0 0 0 rg BT 330.76 394.50 Td (well ) Tj ET Q q 0 0 0 rg BT 354.77 394.50 Td (as ) Tj ET Q q 0 0 0 rg BT 370.78 394.50 Td (each ) Tj ET Q q 0 0 0 rg BT 400.13 394.50 Td (of ) Tj ET Q q 0 0 0 rg BT 413.47 394.50 Td (these ) Tj ET Q q 0 0 0 rg BT 446.16 394.50 Td (groups. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (Audit) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 81.35 365.70 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 84.69 365.70 Td (Services) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (Audit ) Tj ET Q q 0 0 0 rg BT 86.26 336.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 137.18 336.90 Td (is ) Tj ET Q q 0 0 0 rg BT 150.76 336.90 Td (an ) Tj ET Q q 0 0 0 rg BT 169.01 336.90 Td (independent ) Tj ET Q q 0 0 0 rg BT 239.98 336.90 Td (control ) Tj ET Q q 0 0 0 rg BT 280.91 336.90 Td (function ) Tj ET Q q 0 0 0 rg BT 327.85 336.90 Td (that ) Tj ET Q q 0 0 0 rg BT 352.77 336.90 Td (assesses ) Tj ET Q q 0 0 0 rg BT 407.70 336.90 Td (and ) Tj ET Q q 0 0 0 rg BT 432.63 336.90 Td (validates ) Tj ET Q q 0 0 0 rg BT 484.90 336.90 Td (controls ) Tj ET Q q 0 0 0 rg BT 531.83 336.90 Td (within ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.36 322.50 Td (T) Tj ET Q q 0 0 0 rg BT 109.24 322.50 Td (rust) Tj ET Q q 0 0 0 rg BT 131.70 322.50 Td (s ) Tj ET Q q 0 0 0 rg BT 139.48 322.50 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 194.63 322.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 215.08 322.50 Td (management ) Tj ET Q q 0 0 0 rg BT 286.90 322.50 Td (framework. ) Tj ET Q q 0 0 0 rg BT 347.68 322.50 Td (Audit ) Tj ET Q q 0 0 0 rg BT 376.82 322.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 424.62 322.50 Td (is ) Tj ET Q q 0 0 0 rg BT 435.07 322.50 Td (managed ) Tj ET Q q 0 0 0 rg BT 486.89 322.50 Td (by ) Tj ET Q q 0 0 0 rg BT 501.35 322.50 Td (the ) Tj ET Q q 0 0 0 rg BT 519.82 322.50 Td (General ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 308.10 Td (Auditor ) Tj ET Q q 0 0 0 rg BT 95.85 308.10 Td (with ) Tj ET Q q 0 0 0 rg BT 121.02 308.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 173.54 308.10 Td (from ) Tj ET Q q 0 0 0 rg BT 201.38 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.13 308.10 Td (Audit ) Tj ET Q q 0 0 0 rg BT 252.31 308.10 Td (Committee. ) Tj ET Q q 0 0 0 rg BT 316.73 308.10 Td (Audit ) Tj ET Q q 0 0 0 rg BT 347.91 308.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 397.75 308.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 426.92 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.44 308.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 486.62 308.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 542.49 308.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (ef) Tj ET Q q 0 0 0 rg BT 63.79 293.70 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 128.78 293.70 Td (of ) Tj ET Q q 0 0 0 rg BT 143.75 293.70 Td (the ) Tj ET Q q 0 0 0 rg BT 165.39 293.70 Td (system ) Tj ET Q q 0 0 0 rg BT 208.36 293.70 Td (of ) Tj ET Q q 0 0 0 rg BT 223.32 293.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 267.64 293.70 Td (controls ) Tj ET Q q 0 0 0 rg BT 314.62 293.70 Td (associated ) Tj ET Q q 0 0 0 rg BT 376.95 293.70 Td (with ) Tj ET Q q 0 0 0 rg BT 403.25 293.70 Td (the ) Tj ET Q q 0 0 0 rg BT 424.89 293.70 Td (advanced ) Tj ET Q q 0 0 0 rg BT 481.90 293.70 Td (systems ) Tj ET Q q 0 0 0 rg BT 530.86 293.70 Td (on ) Tj ET Q q 0 0 0 rg BT 549.17 293.70 Td (an ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 279.30 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 98.78 279.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 128.86 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 150.96 279.30 Td (reports ) Tj ET Q q 0 0 0 rg BT 190.38 279.30 Td (the ) Tj ET Q q 0 0 0 rg BT 209.13 279.30 Td (results ) Tj ET Q q 0 0 0 rg BT 246.54 279.30 Td (of ) Tj ET Q q 0 0 0 rg BT 258.62 279.30 Td (these ) Tj ET Q q 0 0 0 rg BT 290.05 279.30 Td (audits ) Tj ET Q q 0 0 0 rg BT 324.14 279.30 Td (directly ) Tj ET Q q 0 0 0 rg BT 364.22 279.30 Td (to ) Tj ET Q q 0 0 0 rg BT 376.30 279.30 Td (the ) Tj ET Q q 0 0 0 rg BT 394.64 279.30 Td (Audit ) Tj ET Q q 0 0 0 rg BT 424.06 279.30 Td (Committee. ) Tj ET Q q 0 0 0 rg BT 487.07 279.30 Td (Audit ) Tj ET Q q 0 0 0 rg BT 516.49 279.30 Td (Services ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (includes ) Tj ET Q q 0 0 0 rg BT 104.55 264.90 Td (professionals ) Tj ET Q q 0 0 0 rg BT 181.77 264.90 Td (with ) Tj ET Q q 0 0 0 rg BT 209.63 264.90 Td (a ) Tj ET Q q 0 0 0 rg BT 222.82 264.90 Td (broad ) Tj ET Q q 0 0 0 rg BT 260.04 264.90 Td (range ) Tj ET Q q 0 0 0 rg BT 297.25 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 313.77 264.90 Td (audit ) Tj ET Q q 0 0 0 rg BT 346.31 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 372.86 264.90 Td (industry ) Tj ET Q q 0 0 0 rg BT 421.39 264.90 Td (experience, ) Tj ET Q q 0 0 0 rg BT 489.95 264.90 Td (including ) Tj ET Q q 0 0 0 rg BT 543.84 264.90 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 250.50 Td (management ) Tj ET Q q 0 0 0 rg BT 129.32 250.50 Td (expertise. ) Tj ET Q q 0 0 0 rg BT 186.29 250.50 Td (The ) Tj ET Q q 0 0 0 rg BT 212.24 250.50 Td (General ) Tj ET Q q 0 0 0 rg BT 259.17 250.50 Td (Auditor ) Tj ET Q q 0 0 0 rg BT 302.47 250.50 Td (reports ) Tj ET Q q 0 0 0 rg BT 345.10 250.50 Td (directly ) Tj ET Q q 0 0 0 rg BT 388.39 250.50 Td (to ) Tj ET Q q 0 0 0 rg BT 403.68 250.50 Td (the ) Tj ET Q q 0 0 0 rg BT 424.59 250.50 Td (Audit ) Tj ET Q q 0 0 0 rg BT 457.22 250.50 Td (Committee ) Tj ET Q q 0 0 0 rg BT 520.52 250.50 Td (and ) Tj ET Q q 0 0 0 rg BT 545.82 250.50 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 236.10 Td (Corporation) Tj ET Q q 0 0 0 rg BT 119.15 236.10 Td (s ) Tj ET Q q 0 0 0 rg BT 128.48 236.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 159.83 236.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 215.19 236.10 Td (Of) Tj ET Q q 0 0 0 rg BT 227.64 236.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 249.65 236.10 Td (. ) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (16 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Credit Risk) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 678.65 Td (Credit ) Tj ET Q q 0 0 0 rg BT 89.28 678.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 111.22 678.65 Td (is ) Tj ET Q q 0 0 0 rg BT 123.16 678.65 Td (the ) Tj ET Q q 0 0 0 rg BT 143.12 678.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 165.05 678.65 Td (to ) Tj ET Q q 0 0 0 rg BT 178.33 678.65 Td (interest ) Tj ET Q q 0 0 0 rg BT 220.96 678.65 Td (income ) Tj ET Q q 0 0 0 rg BT 262.92 678.65 Td (or ) Tj ET Q q 0 0 0 rg BT 276.86 678.65 Td (principal ) Tj ET Q q 0 0 0 rg BT 324.82 678.65 Td (from ) Tj ET Q q 0 0 0 rg BT 352.10 678.65 Td (the ) Tj ET Q q 0 0 0 rg BT 372.05 678.65 Td (failure ) Tj ET Q q 0 0 0 rg BT 408.01 678.65 Td (of ) Tj ET Q q 0 0 0 rg BT 421.29 678.65 Td (a ) Tj ET Q q 0 0 0 rg BT 431.24 678.65 Td (borrower ) Tj ET Q q 0 0 0 rg BT 481.86 678.65 Td (or ) Tj ET Q q 0 0 0 rg BT 495.81 678.65 Td (counterparty ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 66.06 664.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 109.45 664.25 Td (on ) Tj ET Q q 0 0 0 rg BT 124.85 664.25 Td (an ) Tj ET Q q 0 0 0 rg BT 140.25 664.25 Td (obligation. ) Tj ET Q q 0 0 0 rg BT 197.01 664.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 231.07 664.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 251.79 664.25 Td (is ) Tj ET Q q 0 0 0 rg BT 262.50 664.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 307.92 664.25 Td (in ) Tj ET Q q 0 0 0 rg BT 319.31 664.25 Td (many ) Tj ET Q q 0 0 0 rg BT 350.71 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 362.77 664.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 411.37 664.25 Td (T) Tj ET Q q 0 0 0 rg BT 418.26 664.25 Td (rust) Tj ET Q q 0 0 0 rg BT 440.71 664.25 Td (s ) Tj ET Q q 0 0 0 rg BT 448.76 664.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 499.75 664.25 Td (A) Tj ET Q q 0 0 0 rg BT 507.09 664.25 Td ( ) Tj ET Q q 0 0 0 rg BT 509.15 664.25 Td (significant ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 649.85 Td (component ) Tj ET Q q 0 0 0 rg BT 116.55 649.85 Td (of ) Tj ET Q q 0 0 0 rg BT 129.73 649.85 Td (credit ) Tj ET Q q 0 0 0 rg BT 162.25 649.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 184.08 649.85 Td (relates ) Tj ET Q q 0 0 0 rg BT 223.28 649.85 Td (to ) Tj ET Q q 0 0 0 rg BT 236.46 649.85 Td (loans, ) Tj ET Q q 0 0 0 rg BT 271.65 649.85 Td (leases, ) Tj ET Q q 0 0 0 rg BT 312.85 649.85 Td (securities, ) Tj ET Q q 0 0 0 rg BT 370.04 649.85 Td (and ) Tj ET Q q 0 0 0 rg BT 393.24 649.85 Td (counterparty-related ) Tj ET Q q 0 0 0 rg BT 503.80 649.85 Td (exposures.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 621.05 Td (Credit ) Tj ET Q q 0 0 0 rg BT 92.00 621.05 Td (Risk ) Tj ET Q q 0 0 0 rg BT 120.69 621.05 Td (Disclosures ) Tj ET Q q 0 0 0 rg BT 192.05 621.05 Td ( ) Tj ET Q q 0 0 0 rg BT 202.06 621.05 Td (General ) Tj ET Q q 0 0 0 rg BT 250.08 621.05 Td (Qualitative) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 592.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 89.34 592.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 116.01 592.25 Td (Framework ) Tj ET Q q 0 0 0 rg BT 179.35 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.71 592.25 Td (Governance) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 563.45 Td (The ) Tj ET Q q 0 0 0 rg BT 78.83 563.45 Td (Credit ) Tj ET Q q 0 0 0 rg BT 114.99 563.45 Td (Risk ) Tj ET Q q 0 0 0 rg BT 142.48 563.45 Td (Management ) Tj ET Q q 0 0 0 rg BT 216.67 563.45 Td (function ) Tj ET Q q 0 0 0 rg BT 262.86 563.45 Td (is ) Tj ET Q q 0 0 0 rg BT 275.67 563.45 Td (the ) Tj ET Q q 0 0 0 rg BT 296.51 563.45 Td (focal ) Tj ET Q q 0 0 0 rg BT 326.01 563.45 Td (point ) Tj ET Q q 0 0 0 rg BT 356.18 563.45 Td (of ) Tj ET Q q 0 0 0 rg BT 370.34 563.45 Td (the ) Tj ET Q q 0 0 0 rg BT 391.18 563.45 Td (credit ) Tj ET Q q 0 0 0 rg BT 424.68 563.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 447.49 563.45 Td (framework ) Tj ET Q q 0 0 0 rg BT 507.65 563.45 Td (and, ) Tj ET Q q 0 0 0 rg BT 535.16 563.45 Td (while ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 549.05 Td (independent ) Tj ET Q q 0 0 0 rg BT 122.43 549.05 Td (of ) Tj ET Q q 0 0 0 rg BT 134.81 549.05 Td (the ) Tj ET Q q 0 0 0 rg BT 153.86 549.05 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 219.60 549.05 Td (it ) Tj ET Q q 0 0 0 rg BT 227.97 549.05 Td (works ) Tj ET Q q 0 0 0 rg BT 261.68 549.05 Td (closely ) Tj ET Q q 0 0 0 rg BT 300.73 549.05 Td (with ) Tj ET Q q 0 0 0 rg BT 324.44 549.05 Td (them ) Tj ET Q q 0 0 0 rg BT 353.49 549.05 Td (to ) Tj ET Q q 0 0 0 rg BT 365.87 549.05 Td (achieve ) Tj ET Q q 0 0 0 rg BT 409.60 549.05 Td (the ) Tj ET Q q 0 0 0 rg BT 428.65 549.05 Td (goal ) Tj ET Q q 0 0 0 rg BT 453.71 549.05 Td (of ) Tj ET Q q 0 0 0 rg BT 466.08 549.05 Td (assuring ) Tj ET Q q 0 0 0 rg BT 513.81 549.05 Td (proactive ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 534.65 Td (management ) Tj ET Q q 0 0 0 rg BT 126.41 534.65 Td (of ) Tj ET Q q 0 0 0 rg BT 138.78 534.65 Td (credit ) Tj ET Q q 0 0 0 rg BT 170.49 534.65 Td (risk. ) Tj ET Q q 0 0 0 rg BT 194.70 534.65 Td (T) Tj ET Q q 0 0 0 rg BT 200.70 534.65 Td (o ) Tj ET Q q 0 0 0 rg BT 209.74 534.65 Td (monitor ) Tj ET Q q 0 0 0 rg BT 252.12 534.65 Td (and ) Tj ET Q q 0 0 0 rg BT 274.50 534.65 Td (control ) Tj ET Q q 0 0 0 rg BT 312.89 534.65 Td (credit ) Tj ET Q q 0 0 0 rg BT 344.59 534.65 Td (risk, ) Tj ET Q q 0 0 0 rg BT 368.96 534.65 Td (the ) Tj ET Q q 0 0 0 rg BT 388.00 534.65 Td (Credit ) Tj ET Q q 0 0 0 rg BT 422.38 534.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 448.07 534.65 Td (Management ) Tj ET Q q 0 0 0 rg BT 520.48 534.65 Td (function ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 520.25 Td (maintains ) Tj ET Q q 0 0 0 rg BT 108.76 520.25 Td (a ) Tj ET Q q 0 0 0 rg BT 118.84 520.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 178.25 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 201.67 520.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 248.42 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 261.83 520.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 308.59 520.25 Td (standards, ) Tj ET Q q 0 0 0 rg BT 368.03 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.45 520.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 442.88 520.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 494.99 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.40 520.25 Td (promote ) Tj ET Q q 0 0 0 rg BT 555.83 520.25 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 505.85 Td (conservative ) Tj ET Q q 0 0 0 rg BT 123.46 505.85 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.90 505.85 Td (culture. ) Tj ET Q q 0 0 0 rg BT 196.21 505.85 Td (This ) Tj ET Q q 0 0 0 rg BT 220.98 505.85 Td (function ) Tj ET Q q 0 0 0 rg BT 265.10 505.85 Td (also ) Tj ET Q q 0 0 0 rg BT 289.21 505.85 Td (monitors ) Tj ET Q q 0 0 0 rg BT 337.32 505.85 Td (adherence ) Tj ET Q q 0 0 0 rg BT 396.13 505.85 Td (to ) Tj ET Q q 0 0 0 rg BT 408.23 505.85 Td (corporate ) Tj ET Q q 0 0 0 rg BT 461.02 505.85 Td (policies, ) Tj ET Q q 0 0 0 rg BT 506.47 505.85 Td (standards, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 491.45 Td (and ) Tj ET Q q 0 0 0 rg BT 77.36 491.45 Td (external ) Tj ET Q q 0 0 0 rg BT 123.38 491.45 Td (regulations.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 462.65 Td (The ) Tj ET Q q 0 0 0 rg BT 78.85 462.65 Td (Credit ) Tj ET Q q 0 0 0 rg BT 115.04 462.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 142.55 462.65 Td (Management ) Tj ET Q q 0 0 0 rg BT 216.77 462.65 Td (function ) Tj ET Q q 0 0 0 rg BT 262.97 462.65 Td (provides ) Tj ET Q q 0 0 0 rg BT 312.50 462.65 Td (a ) Tj ET Q q 0 0 0 rg BT 323.35 462.65 Td (system ) Tj ET Q q 0 0 0 rg BT 365.53 462.65 Td (of ) Tj ET Q q 0 0 0 rg BT 379.72 462.65 Td (checks ) Tj ET Q q 0 0 0 rg BT 421.24 462.65 Td (and ) Tj ET Q q 0 0 0 rg BT 445.44 462.65 Td (balances ) Tj ET Q q 0 0 0 rg BT 497.65 462.65 Td (for ) Tj ET Q q 0 0 0 rg BT 515.83 462.65 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 448.25 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 448.25 Td (rust) Tj ET Q q 0 0 0 rg BT 83.34 448.25 Td (s ) Tj ET Q q 0 0 0 rg BT 92.33 448.25 Td (diverse ) Tj ET Q q 0 0 0 rg BT 134.01 448.25 Td (credit-related ) Tj ET Q q 0 0 0 rg BT 207.04 448.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 256.05 448.25 Td (by ) Tj ET Q q 0 0 0 rg BT 271.72 448.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 330.74 448.25 Td (these ) Tj ET Q q 0 0 0 rg BT 363.09 448.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 412.10 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 435.12 448.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 486.13 448.25 Td (and ) Tj ET Q q 0 0 0 rg BT 509.15 448.25 Td (promoting ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 433.85 Td (their ) Tj ET Q q 0 0 0 rg BT 80.68 433.85 Td (uniform ) Tj ET Q q 0 0 0 rg BT 124.03 433.85 Td (application ) Tj ET Q q 0 0 0 rg BT 184.73 433.85 Td (throughout ) Tj ET Q q 0 0 0 rg BT 245.45 433.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 295.25 433.85 Td (T) Tj ET Q q 0 0 0 rg BT 302.14 433.85 Td (rust.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 405.05 Td (The ) Tj ET Q q 0 0 0 rg BT 78.65 405.05 Td (credit ) Tj ET Q q 0 0 0 rg BT 111.96 405.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 134.60 405.05 Td (framework ) Tj ET Q q 0 0 0 rg BT 194.58 405.05 Td (provides ) Tj ET Q q 0 0 0 rg BT 243.90 405.05 Td (authorities ) Tj ET Q q 0 0 0 rg BT 303.24 405.05 Td (for ) Tj ET Q q 0 0 0 rg BT 321.21 405.05 Td (approval ) Tj ET Q q 0 0 0 rg BT 371.22 405.05 Td (of ) Tj ET Q q 0 0 0 rg BT 385.20 405.05 Td (the ) Tj ET Q q 0 0 0 rg BT 405.85 405.05 Td (extension ) Tj ET Q q 0 0 0 rg BT 461.19 405.05 Td (of ) Tj ET Q q 0 0 0 rg BT 475.17 405.05 Td (credit. ) Tj ET Q q 0 0 0 rg BT 511.81 405.05 Td (Individual ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 390.65 Td (credit ) Tj ET Q q 0 0 0 rg BT 86.49 390.65 Td (authority ) Tj ET Q q 0 0 0 rg BT 135.67 390.65 Td (for ) Tj ET Q q 0 0 0 rg BT 152.82 390.65 Td (commercial ) Tj ET Q q 0 0 0 rg BT 217.31 390.65 Td (and ) Tj ET Q q 0 0 0 rg BT 240.49 390.65 Td (personal ) Tj ET Q q 0 0 0 rg BT 289.67 390.65 Td (loans ) Tj ET Q q 0 0 0 rg BT 321.50 390.65 Td (is ) Tj ET Q q 0 0 0 rg BT 333.32 390.65 Td (limited ) Tj ET Q q 0 0 0 rg BT 371.15 390.65 Td (to ) Tj ET Q q 0 0 0 rg BT 384.30 390.65 Td (specified ) Tj ET Q q 0 0 0 rg BT 434.81 390.65 Td (amounts ) Tj ET Q q 0 0 0 rg BT 483.99 390.65 Td (and ) Tj ET Q q 0 0 0 rg BT 507.16 390.65 Td (maturities. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 376.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 88.36 376.25 Td (requests ) Tj ET Q q 0 0 0 rg BT 136.74 376.25 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 193.80 376.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 246.19 376.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 294.57 376.25 Td (because ) Tj ET Q q 0 0 0 rg BT 342.29 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 354.65 376.25 Td (amount, ) Tj ET Q q 0 0 0 rg BT 400.36 376.25 Td (rating, ) Tj ET Q q 0 0 0 rg BT 436.06 376.25 Td (term ) Tj ET Q q 0 0 0 rg BT 462.42 376.25 Td (or ) Tj ET Q q 0 0 0 rg BT 475.44 376.25 Td (other ) Tj ET Q q 0 0 0 rg BT 505.14 376.25 Td (conditions, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 361.85 Td (are ) Tj ET Q q 0 0 0 rg BT 74.42 361.85 Td (referred ) Tj ET Q q 0 0 0 rg BT 119.51 361.85 Td (to ) Tj ET Q q 0 0 0 rg BT 132.60 361.85 Td (the ) Tj ET Q q 0 0 0 rg BT 152.36 361.85 Td (relevant ) Tj ET Q q 0 0 0 rg BT 198.13 361.85 Td (group ) Tj ET Q q 0 0 0 rg BT 231.89 361.85 Td (credit ) Tj ET Q q 0 0 0 rg BT 264.31 361.85 Td (approval ) Tj ET Q q 0 0 0 rg BT 313.42 361.85 Td (committee. ) Tj ET Q q 0 0 0 rg BT 375.18 361.85 Td (Credit ) Tj ET Q q 0 0 0 rg BT 410.27 361.85 Td (decisions ) Tj ET Q q 0 0 0 rg BT 463.37 361.85 Td (involving ) Tj ET Q q 0 0 0 rg BT 513.14 361.85 Td (exposure ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 347.45 Td (in ) Tj ET Q q 0 0 0 rg BT 66.67 347.45 Td (excess ) Tj ET Q q 0 0 0 rg BT 107.36 347.45 Td (of ) Tj ET Q q 0 0 0 rg BT 120.70 347.45 Td (these ) Tj ET Q q 0 0 0 rg BT 153.39 347.45 Td (limits ) Tj ET Q q 0 0 0 rg BT 184.05 347.45 Td (require ) Tj ET Q q 0 0 0 rg BT 224.74 347.45 Td (the ) Tj ET Q q 0 0 0 rg BT 244.75 347.45 Td (approval ) Tj ET Q q 0 0 0 rg BT 294.12 347.45 Td (of ) Tj ET Q q 0 0 0 rg BT 307.46 347.45 Td (the ) Tj ET Q q 0 0 0 rg BT 327.47 347.45 Td (Senior ) Tj ET Q q 0 0 0 rg BT 365.50 347.45 Td (Credit ) Tj ET Q q 0 0 0 rg BT 400.84 347.45 Td (Committee.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 318.65 Td (The ) Tj ET Q q 0 0 0 rg BT 77.98 318.65 Td (Capital ) Tj ET Q q 0 0 0 rg BT 118.64 318.65 Td (Markets ) Tj ET Q q 0 0 0 rg BT 164.62 318.65 Td (Credit ) Tj ET Q q 0 0 0 rg BT 199.93 318.65 Td (Committee ) Tj ET Q q 0 0 0 rg BT 261.25 318.65 Td (has ) Tj ET Q q 0 0 0 rg BT 283.90 318.65 Td (sole ) Tj ET Q q 0 0 0 rg BT 309.22 318.65 Td (credit ) Tj ET Q q 0 0 0 rg BT 341.87 318.65 Td (authority ) Tj ET Q q 0 0 0 rg BT 391.20 318.65 Td (for ) Tj ET Q q 0 0 0 rg BT 408.51 318.65 Td (the ) Tj ET Q q 0 0 0 rg BT 428.50 318.65 Td (approval, ) Tj ET Q q 0 0 0 rg BT 481.17 318.65 Td (modification, ) Tj ET Q q 0 0 0 rg BT 551.84 318.65 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 304.25 Td (renewal ) Tj ET Q q 0 0 0 rg BT 99.36 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 112.70 304.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.38 304.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 198.08 304.25 Td (to ) Tj ET Q q 0 0 0 rg BT 211.42 304.25 Td (all ) Tj ET Q q 0 0 0 rg BT 226.76 304.25 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 283.46 304.25 Td (market ) Tj ET Q q 0 0 0 rg BT 323.47 304.25 Td (counterparties.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 275.45 Td (The ) Tj ET Q q 0 0 0 rg BT 77.12 275.45 Td (CRC ) Tj ET Q q 0 0 0 rg BT 105.56 275.45 Td (establishes ) Tj ET Q q 0 0 0 rg BT 168.04 275.45 Td (and ) Tj ET Q q 0 0 0 rg BT 190.51 275.45 Td (monitors ) Tj ET Q q 0 0 0 rg BT 238.96 275.45 Td (credit-related ) Tj ET Q q 0 0 0 rg BT 311.44 275.45 Td (policies ) Tj ET Q q 0 0 0 rg BT 353.90 275.45 Td (and ) Tj ET Q q 0 0 0 rg BT 376.37 275.45 Td (practices ) Tj ET Q q 0 0 0 rg BT 426.83 275.45 Td (throughout ) Tj ET Q q 0 0 0 rg BT 486.65 275.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 535.62 275.45 Td (T) Tj ET Q q 0 0 0 rg BT 542.51 275.45 Td (rust ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 261.05 Td (and ) Tj ET Q q 0 0 0 rg BT 77.60 261.05 Td (promotes ) Tj ET Q q 0 0 0 rg BT 131.20 261.05 Td (their ) Tj ET Q q 0 0 0 rg BT 158.12 261.05 Td (uniform ) Tj ET Q q 0 0 0 rg BT 201.71 261.05 Td (application. ) Tj ET Q q 0 0 0 rg BT 265.76 261.05 Td (The ) Tj ET Q q 0 0 0 rg BT 290.01 261.05 Td (Chief ) Tj ET Q q 0 0 0 rg BT 321.60 261.05 Td (Credit ) Tj ET Q q 0 0 0 rg BT 357.19 261.05 Td (Of) Tj ET Q q 0 0 0 rg BT 369.64 261.05 Td (ficer ) Tj ET Q q 0 0 0 rg BT 395.89 261.05 Td (reports ) Tj ET Q q 0 0 0 rg BT 436.81 261.05 Td (directly ) Tj ET Q q 0 0 0 rg BT 478.40 261.05 Td (to ) Tj ET Q q 0 0 0 rg BT 491.98 261.05 Td (the ) Tj ET Q q 0 0 0 rg BT 512.24 261.05 Td (CRO ) Tj ET Q q 0 0 0 rg BT 542.48 261.05 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 246.65 Td (chairs ) Tj ET Q q 0 0 0 rg BT 88.61 246.65 Td (the ) Tj ET Q q 0 0 0 rg BT 107.88 246.65 Td (CRC. ) Tj ET Q q 0 0 0 rg BT 139.81 246.65 Td (Independent ) Tj ET Q q 0 0 0 rg BT 209.14 246.65 Td (oversight ) Tj ET Q q 0 0 0 rg BT 260.43 246.65 Td (and ) Tj ET Q q 0 0 0 rg BT 283.05 246.65 Td (review ) Tj ET Q q 0 0 0 rg BT 320.32 246.65 Td (of ) Tj ET Q q 0 0 0 rg BT 332.93 246.65 Td (the ) Tj ET Q q 0 0 0 rg BT 352.20 246.65 Td (credit ) Tj ET Q q 0 0 0 rg BT 384.14 246.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 405.40 246.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 464.01 246.65 Td (is ) Tj ET Q q 0 0 0 rg BT 475.27 246.65 Td (provided ) Tj ET Q q 0 0 0 rg BT 523.90 246.65 Td (by ) Tj ET Q q 0 0 0 rg BT 539.17 246.65 Td (Risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 232.25 Td (Control.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 217.85 Td ( ) Tj ET Q q 0 0 0 rg BT 57.33 217.85 Td ( ) Tj ET Q q 0 0 0 rg BT 60.67 217.85 Td ( ) Tj ET Q q 0 0 0 rg BT 64.00 217.85 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 203.45 Td (Loans ) Tj ET Q q 0 0 0 rg BT 90.03 203.45 Td (and ) Tj ET Q q 0 0 0 rg BT 113.38 203.45 Td (Leases ) Tj ET Q q 0 0 0 rg BT 155.41 203.45 Td (and ) Tj ET Q q 0 0 0 rg BT 178.32 203.45 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 236.36 203.45 Td (for ) Tj ET Q q 0 0 0 rg BT 253.69 203.45 Td (Credit ) Tj ET Q q 0 0 0 rg BT 289.04 203.45 Td (Losses ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 175.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 175.85 Td (Refer ) Tj ET Q q 0 0 0 rg BT 122.65 175.85 Td (to ) Tj ET Q q 0 0 0 rg BT 135.96 175.85 Td (Note ) Tj ET Q q 0 0 0 rg BT 164.62 175.85 Td (6, ) Tj ET Q q 0 0 0 rg BT 177.93 175.85 Td (starting ) Tj ET Q q 0 0 0 rg BT 220.59 175.85 Td (on ) Tj ET Q q 0 0 0 rg BT 237.24 175.85 Td (page ) Tj ET Q q 0 0 0 rg BT 267.24 175.85 Td (45, ) Tj ET Q q 0 0 0 rg BT 287.23 175.85 Td (and ) Tj ET Q q 0 0 0 rg BT 310.56 175.85 Td (Note ) Tj ET Q q 0 0 0 rg BT 339.21 175.85 Td (7, ) Tj ET Q q 0 0 0 rg BT 352.53 175.85 Td (starting ) Tj ET Q q 0 0 0 rg BT 395.19 175.85 Td (on ) Tj ET Q q 0 0 0 rg BT 411.84 175.85 Td (page ) Tj ET Q q 0 0 0 rg BT 441.84 175.85 Td (52, ) Tj ET Q q 0 0 0 rg BT 461.83 175.85 Td (to ) Tj ET Q q 0 0 0 rg BT 475.14 175.85 Td (the ) Tj ET Q q 0 0 0 rg BT 495.13 175.85 Td (consolidated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 161.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 136.79 161.45 Td (statements ) Tj ET Q q 0 0 0 rg BT 198.25 161.45 Td (within ) Tj ET Q q 0 0 0 rg BT 231.69 161.45 Td (the ) Tj ET Q q 0 0 0 rg BT 251.14 161.45 Td (Corporation) Tj ET Q q 0 0 0 rg BT 316.29 161.45 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 325.05 161.45 Td (First ) Tj ET Q q 0 0 0 rg BT 351.14 161.45 Td (Quarter ) Tj ET Q q 0 0 0 rg BT 394.59 161.45 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 421.28 161.45 Td ( ) Tj ET Q q 0 0 0 rg BT 424.05 161.45 Td (Form ) Tj ET Q q 0 0 0 rg BT 454.81 161.45 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 487.58 161.45 Td (and ) Tj ET Q q 0 0 0 rg BT 510.37 161.45 Td (pages ) Tj ET Q q 0 0 0 rg BT 545.83 161.45 Td (58, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 147.05 Td (61 ) Tj ET Q q 0 0 0 rg BT 105.99 147.05 Td (and ) Tj ET Q q 0 0 0 rg BT 128.65 147.05 Td (76 ) Tj ET Q q 0 0 0 rg BT 144.63 147.05 Td (within ) Tj ET Q q 0 0 0 rg BT 177.95 147.05 Td (the ) Tj ET Q q 0 0 0 rg BT 197.27 147.05 Td (Corporation) Tj ET Q q 0 0 0 rg BT 262.42 147.05 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 271.06 147.05 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 297.76 147.05 Td ( ) Tj ET Q q 0 0 0 rg BT 299.87 147.05 Td (Annual ) Tj ET Q q 0 0 0 rg BT 339.87 147.05 Td (Report ) Tj ET Q q 0 0 0 rg BT 378.53 147.05 Td (for ) Tj ET Q q 0 0 0 rg BT 395.17 147.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 426.50 147.05 Td (and ) Tj ET Q q 0 0 0 rg BT 449.16 147.05 Td (leases ) Tj ET Q q 0 0 0 rg BT 486.49 147.05 Td (and ) Tj ET Q q 0 0 0 rg BT 509.15 147.05 Td (allowance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 132.65 Td (for ) Tj ET Q q 0 0 0 rg BT 107.34 132.65 Td (credit ) Tj ET Q q 0 0 0 rg BT 140.02 132.65 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.36 132.65 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 234.73 132.65 Td (information.) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (17 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 92.00 711.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 120.69 711.30 Td (Disclosures ) Tj ET Q q 0 0 0 rg BT 192.05 711.30 Td ( ) Tj ET Q q 0 0 0 rg BT 202.06 711.30 Td (General ) Tj ET Q q 0 0 0 rg BT 250.08 711.30 Td (Quantitative) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.50 682.50 Td (T) Tj ET Q q 0 0 0 rg BT 110.39 682.50 Td (rust) Tj ET Q q 0 0 0 rg BT 132.84 682.50 Td (s ) Tj ET Q q 0 0 0 rg BT 141.85 682.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 174.21 682.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 195.88 682.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 247.59 682.50 Td (takes ) Tj ET Q q 0 0 0 rg BT 279.28 682.50 Td (the ) Tj ET Q q 0 0 0 rg BT 298.98 682.50 Td (form ) Tj ET Q q 0 0 0 rg BT 325.99 682.50 Td (of ) Tj ET Q q 0 0 0 rg BT 339.01 682.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 374.04 682.50 Td (leases, ) Tj ET Q q 0 0 0 rg BT 415.08 682.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 468.77 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 491.80 682.50 Td (counterparty-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (related ) Tj ET Q q 0 0 0 rg BT 93.24 668.10 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 154.48 668.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 203.55 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 210.44 668.10 Td (rust) Tj ET Q q 0 0 0 rg BT 232.89 668.10 Td (s ) Tj ET Q q 0 0 0 rg BT 241.43 668.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 274.00 668.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 305.89 668.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 327.10 668.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 372.33 668.10 Td (is ) Tj ET Q q 0 0 0 rg BT 383.54 668.10 Td (included ) Tj ET Q q 0 0 0 rg BT 430.79 668.10 Td (within ) Tj ET Q q 0 0 0 rg BT 464.02 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.24 668.10 Td (following ) Tj ET Q q 0 0 0 rg BT 532.48 668.10 Td (Basel ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (III ) Tj ET Q q 0 0 0 rg BT 66.74 653.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 98.82 653.70 Td (categories: ) Tj ET Q q 0 0 0 rg BT 160.25 653.70 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 216.36 653.70 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 277.79 653.70 Td (securitization ) Tj ET Q q 0 0 0 rg BT 350.56 653.70 Td (exposures ) Tj ET Q q 0 0 0 rg BT 408.66 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 431.42 653.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 466.18 653.70 Td (holdings. ) Tj ET Q q 0 0 0 rg BT 516.41 653.70 Td (All ) Tj ET Q q 0 0 0 rg BT 532.48 653.70 Td (Basel ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (III ) Tj ET Q q 0 0 0 rg BT 67.73 639.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 100.81 639.30 Td (exposures ) Tj ET Q q 0 0 0 rg BT 159.90 639.30 Td (that ) Tj ET Q q 0 0 0 rg BT 183.65 639.30 Td (could ) Tj ET Q q 0 0 0 rg BT 216.07 639.30 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 271.16 639.30 Td (qualify ) Tj ET Q q 0 0 0 rg BT 309.58 639.30 Td (for ) Tj ET Q q 0 0 0 rg BT 327.31 639.30 Td (retail ) Tj ET Q q 0 0 0 rg BT 357.05 639.30 Td (treatment, ) Tj ET Q q 0 0 0 rg BT 414.81 639.30 Td (such ) Tj ET Q q 0 0 0 rg BT 443.88 639.30 Td (as ) Tj ET Q q 0 0 0 rg BT 460.29 639.30 Td (personal ) Tj ET Q q 0 0 0 rg BT 510.05 639.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 542.47 639.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (mortgages, ) Tj ET Q q 0 0 0 rg BT 118.31 624.90 Td (are ) Tj ET Q q 0 0 0 rg BT 139.94 624.90 Td (treated ) Tj ET Q q 0 0 0 rg BT 181.58 624.90 Td (as ) Tj ET Q q 0 0 0 rg BT 198.54 624.90 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 256.19 624.90 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 319.17 624.90 Td (W) Tj ET Q q 0 0 0 rg BT 330.28 624.90 Td (e ) Tj ET Q q 0 0 0 rg BT 341.24 624.90 Td (have ) Tj ET Q q 0 0 0 rg BT 371.54 624.90 Td (determined ) Tj ET Q q 0 0 0 rg BT 435.86 624.90 Td (that ) Tj ET Q q 0 0 0 rg BT 460.16 624.90 Td (applying ) Tj ET Q q 0 0 0 rg BT 509.14 624.90 Td (wholesale ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (treatment, ) Tj ET Q q 0 0 0 rg BT 111.71 610.50 Td (i.e., ) Tj ET Q q 0 0 0 rg BT 134.74 610.50 Td (individually ) Tj ET Q q 0 0 0 rg BT 197.13 610.50 Td (risk-rating ) Tj ET Q q 0 0 0 rg BT 253.49 610.50 Td (each ) Tj ET Q q 0 0 0 rg BT 283.20 610.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 336.25 610.50 Td (rather ) Tj ET Q q 0 0 0 rg BT 371.28 610.50 Td (than ) Tj ET Q q 0 0 0 rg BT 398.33 610.50 Td (scoring ) Tj ET Q q 0 0 0 rg BT 440.70 610.50 Td (a ) Tj ET Q q 0 0 0 rg BT 451.06 610.50 Td (homogenous ) Tj ET Q q 0 0 0 rg BT 524.13 610.50 Td (pool, ) Tj ET Q q 0 0 0 rg BT 553.84 610.50 Td (is ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 112.48 596.10 Td (with ) Tj ET Q q 0 0 0 rg BT 138.28 596.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 189.13 596.10 Td (T) Tj ET Q q 0 0 0 rg BT 196.02 596.10 Td (rust) Tj ET Q q 0 0 0 rg BT 218.47 596.10 Td (s ) Tj ET Q q 0 0 0 rg BT 228.93 596.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 298.75 596.10 Td (approach, ) Tj ET Q q 0 0 0 rg BT 356.58 596.10 Td (whereby ) Tj ET Q q 0 0 0 rg BT 406.39 596.10 Td (each ) Tj ET Q q 0 0 0 rg BT 436.87 596.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 490.69 596.10 Td (is ) Tj ET Q q 0 0 0 rg BT 503.81 596.10 Td (individually ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (evaluated. ) Tj ET Q q 0 0 0 rg BT 112.71 581.70 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (Loans ) Tj ET Q q 0 0 0 rg BT 90.03 552.90 Td (and ) Tj ET Q q 0 0 0 rg BT 113.38 552.90 Td (Leases ) Tj ET Q q 0 0 0 rg BT 155.41 552.90 Td (and ) Tj ET Q q 0 0 0 rg BT 178.32 552.90 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 236.36 552.90 Td (for ) Tj ET Q q 0 0 0 rg BT 253.69 552.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 289.04 552.90 Td (Losses) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 524.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 524.10 Td (Refer ) Tj ET Q q 0 0 0 rg BT 122.65 524.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.96 524.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 164.62 524.10 Td (6, ) Tj ET Q q 0 0 0 rg BT 177.93 524.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 220.59 524.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.24 524.10 Td (page ) Tj ET Q q 0 0 0 rg BT 267.24 524.10 Td (45, ) Tj ET Q q 0 0 0 rg BT 287.23 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.56 524.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 339.21 524.10 Td (7, ) Tj ET Q q 0 0 0 rg BT 352.53 524.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 395.19 524.10 Td (on ) Tj ET Q q 0 0 0 rg BT 411.84 524.10 Td (page ) Tj ET Q q 0 0 0 rg BT 441.84 524.10 Td (52, ) Tj ET Q q 0 0 0 rg BT 461.83 524.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.14 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.13 524.10 Td (consolidated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 509.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 137.63 509.70 Td (statements ) Tj ET Q q 0 0 0 rg BT 199.92 509.70 Td (within ) Tj ET Q q 0 0 0 rg BT 234.20 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 254.48 509.70 Td (Corporation) Tj ET Q q 0 0 0 rg BT 319.63 509.70 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 329.23 509.70 Td (First ) Tj ET Q q 0 0 0 rg BT 356.15 509.70 Td (Quarter ) Tj ET Q q 0 0 0 rg BT 400.43 509.70 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 427.13 509.70 Td ( ) Tj ET Q q 0 0 0 rg BT 430.73 509.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 462.32 509.70 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 492.60 509.70 Td (for ) Tj ET Q q 0 0 0 rg BT 510.20 509.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 542.49 509.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 495.30 Td (leases, ) Tj ET Q q 0 0 0 rg BT 131.36 495.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 188.06 495.30 Td (for ) Tj ET Q q 0 0 0 rg BT 205.39 495.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 238.07 495.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 275.42 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 298.78 495.30 Td (net ) Tj ET Q q 0 0 0 rg BT 318.79 495.30 Td (charge-of) Tj ET Q q 0 0 0 rg BT 369.27 495.30 Td (f ) Tj ET Q q 0 0 0 rg BT 375.94 495.30 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 440.65 495.30 Td (information.) Tj ET Q BT /F3 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 475.24 258.72 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 466.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 92.00 466.50 Td (Exposures ) Tj ET Q q 0 0 0 rg BT 156.70 466.50 Td (by ) Tj ET Q q 0 0 0 rg BT 174.04 466.50 Td (Geography ) Tj ET Q q 0 0 0 rg BT 240.71 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 265.38 466.50 Td (Industry) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 446.44 511.85 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 437.70 Td (The ) Tj ET Q q 0 0 0 rg BT 76.43 437.70 Td (following ) Tj ET Q q 0 0 0 rg BT 124.88 437.70 Td (tables ) Tj ET Q q 0 0 0 rg BT 158.65 437.70 Td (provide ) Tj ET Q q 0 0 0 rg BT 199.76 437.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 248.09 437.70 Td (T) Tj ET Q q 0 0 0 rg BT 254.98 437.70 Td (rust) Tj ET Q q 0 0 0 rg BT 277.43 437.70 Td (s ) Tj ET Q q 0 0 0 rg BT 285.18 437.70 Td (total ) Tj ET Q q 0 0 0 rg BT 309.62 437.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 340.71 437.70 Td (exposures ) Tj ET Q q 0 0 0 rg BT 397.83 437.70 Td (by ) Tj ET Q q 0 0 0 rg BT 412.26 437.70 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 467.37 437.70 Td (reporting ) Tj ET Q q 0 0 0 rg BT 516.49 437.70 Td (category ) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 432.04 455.14 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 423.30 Td (and ) Tj ET Q q 0 0 0 rg BT 76.66 423.30 Td (geographic ) Tj ET Q q 0 0 0 rg BT 138.67 423.30 Td (distribution ) Tj ET Q q 0 0 0 rg BT 199.33 423.30 Td (as ) Tj ET Q q 0 0 0 rg BT 214.64 423.30 Td (of, ) Tj ET Q q 0 0 0 rg BT 230.62 423.30 Td (and ) Tj ET Q q 0 0 0 rg BT 253.27 423.30 Td (on ) Tj ET Q q 0 0 0 rg BT 269.25 423.30 Td (an ) Tj ET Q q 0 0 0 rg BT 285.23 423.30 Td (average ) Tj ET Q q 0 0 0 rg BT 331.23 423.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 361.88 423.30 Td (for ) Tj ET Q q 0 0 0 rg BT 378.52 423.30 Td (the ) Tj ET Q q 0 0 0 rg BT 397.83 423.30 Td (three ) Tj ET Q q 0 0 0 rg BT 427.82 423.30 Td (months ) Tj ET Q q 0 0 0 rg BT 469.80 423.30 Td (ended, ) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 509.14 432.04 56.69 -11.26 re f /GS0 gs q 0 0 0 rg BT 509.14 423.30 Td (March31, ) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 417.64 26.70 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 408.90 Td (2018) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 80.70 417.64 448.69 -11.26 re f /GS0 gs q 0 0 0 rg BT 80.70 408.90 Td (. ) Tj ET Q q 0 0 0 rg BT 87.36 408.90 Td (Distribution ) Tj ET Q q 0 0 0 rg BT 150.72 408.90 Td (is ) Tj ET Q q 0 0 0 rg BT 162.72 408.90 Td (based ) Tj ET Q q 0 0 0 rg BT 198.75 408.90 Td (on ) Tj ET Q q 0 0 0 rg BT 215.43 408.90 Td (geographic ) Tj ET Q q 0 0 0 rg BT 278.14 408.90 Td (location ) Tj ET Q q 0 0 0 rg BT 322.84 408.90 Td (of ) Tj ET Q q 0 0 0 rg BT 336.18 408.90 Td (the ) Tj ET Q q 0 0 0 rg BT 356.20 408.90 Td (contracting ) Tj ET Q q 0 0 0 rg BT 418.23 408.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 468.04 408.90 Td (T) Tj ET Q q 0 0 0 rg BT 474.92 408.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 498.26 408.90 Td (entity) Tj ET Q q 0 0 0 rg BT 526.05 408.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 388.84 237.18 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 380.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 380.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 380.10 Td (1) Tj ET Q q 0 0 0 rg BT 93.80 380.10 Td (1: ) Tj ET Q q 0 0 0 rg BT 107.80 380.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 145.80 380.10 Td (Exposures ) Tj ET Q q 0 0 0 rg BT 210.50 380.10 Td (by ) Tj ET Q q 0 0 0 rg BT 227.84 380.10 Td (Geography) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 369.60 255.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 308.75 369.60 51.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 359.75 369.60 20.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 379.75 369.60 182.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 354.60 255.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 308.75 354.60 51.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 359.75 354.60 76.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 435.75 354.60 66.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 501.75 354.60 10.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 511.75 354.60 50.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 369.6 m 53.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 369.6 m 308.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.75 369.6 m 359.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.75 369.6 m 379.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 369.6 m 435.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 354.6 m 435.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 369.6 m 445.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.75 369.6 m 501.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.75 369.6 m 511.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 369.6 m 561.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 369.6 m 561.75 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 354.6 m 53.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 354.6 m 308.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 329.6 m 308.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.75 354.6 m 359.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.75 329.6 m 359.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.75 354.6 m 379.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.75 329.6 m 379.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 354.6 m 435.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 329.6 m 435.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 354.6 m 445.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 329.6 m 445.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.75 354.6 m 501.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.75 329.6 m 501.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.75 354.6 m 511.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.75 329.6 m 511.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 354.6 m 561.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 354.6 m 561.75 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 329.6 m 561.75 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 329.6 m 53.75 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 329.6 m 561.75 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 314.6 m 53.75 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 314.6 m 561.75 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 299.6 m 53.75 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 299.6 m 561.75 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 284.6 m 53.75 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 284.6 m 561.75 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 269.6 m 53.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 254.60000000000002 m 308.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.75 254.60000000000002 m 359.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.75 254.60000000000002 m 379.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 254.60000000000002 m 435.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 254.60000000000002 m 445.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.75 254.60000000000002 m 501.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.75 254.60000000000002 m 511.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 269.6 m 561.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 254.60000000000002 m 561.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 254.60000000000002 m 53.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 239.60000000000002 m 308.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.75 239.60000000000002 m 359.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.75 239.60000000000002 m 379.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 254.60000000000002 m 435.75 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.75 239.60000000000002 m 435.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 239.60000000000002 m 445.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.75 239.60000000000002 m 501.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.75 239.60000000000002 m 511.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 254.60000000000002 m 561.75 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 239.60000000000002 m 561.75 239.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 359.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 359.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 334.22 Td (Credit Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.55 334.22 Td (Americas) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.95 344.22 Td (Europe, Middle) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.95 334.22 Td (East and ) Tj ET Q q 0 0 0 rg BT 406.93 334.22 Td (Africa) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.45 344.22 Td (Asia-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.75 334.22 Td (Pacific ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.10 334.22 Td (T) Tj ET Q q 0 0 0 rg BT 542.10 334.22 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 319.22 Td (Loans, net of Unearned Income and ) Tj ET Q q 0 0 0 rg BT 218.31 319.22 Td (Allowance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.25 319.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.30 319.22 Td (30,939) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.25 319.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.85 319.22 Td (1,044) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.25 319.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.90 319.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.25 319.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 319.22 Td (31,983) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 304.22 Td (Loan Commitments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.30 304.22 Td (28,016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.20 304.22 Td (590) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.90 304.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 304.22 Td (28,606) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 289.22 Td (Balances Due from Depository Institutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.30 289.22 Td (16,218) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.30 289.22 Td (22,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.85 289.22 Td (2,081) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 289.22 Td (40,421) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 274.22 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.30 274.22 Td (35,033) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.30 274.22 Td (12,440) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.85 274.22 Td (1,071) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 274.22 Td (48,544) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 259.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 259.22 Td (rading ) Tj ET Q q 0 0 0 rg BT 92.01 259.22 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.20 259.22 Td (579) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.20 259.22 Td (269) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.75 259.22 Td (59) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 259.22 Td (907) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 244.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 244.22 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 311.25 244.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 319.75 244.22 Td (1) Tj ET Q q 0 0 0 rg BT 325.31 244.22 Td (10,785) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 382.25 244.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 401.30 244.22 Td (36,465) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 448.25 244.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 472.85 244.22 Td (3,21) Tj ET Q q 0 0 0 rg BT 492.31 244.22 Td (1) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 514.25 244.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 521.75 244.22 Td (150,461) Tj ET Q BT /F1 10.00 Tf ET 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 229.60 128.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 181.25 229.60 381.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 214.60 256.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 309.25 214.60 51.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 360.25 214.60 76.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 436.25 214.60 10.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 446.25 214.60 56.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 502.25 214.60 10.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 512.25 214.60 50.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 229.60000000000002 m 53.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 229.60000000000002 m 181.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 214.60000000000002 m 181.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.25 229.60000000000002 m 309.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.25 214.60000000000002 m 309.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.25 229.60000000000002 m 360.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.25 214.60000000000002 m 360.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.25 229.60000000000002 m 380.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.25 214.60000000000002 m 380.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 229.60000000000002 m 436.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 214.60000000000002 m 436.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 229.60000000000002 m 446.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 214.60000000000002 m 446.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 229.60000000000002 m 502.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 214.60000000000002 m 502.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 229.60000000000002 m 512.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 214.60000000000002 m 512.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 229.60000000000002 m 562.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 229.60000000000002 m 562.25 229.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 214.60000000000002 m 562.25 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 214.60000000000002 m 53.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 189.60000000000002 m 181.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.25 189.60000000000002 m 309.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.25 189.60000000000002 m 360.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.25 189.60000000000002 m 380.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 189.60000000000002 m 436.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 189.60000000000002 m 446.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 189.60000000000002 m 502.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 189.60000000000002 m 512.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 214.60000000000002 m 562.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 189.60000000000002 m 562.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 189.60000000000002 m 53.25 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 189.60000000000002 m 181.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.25 189.60000000000002 m 309.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.25 189.60000000000002 m 360.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.25 189.60000000000002 m 380.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 189.60000000000002 m 436.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 189.60000000000002 m 446.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 189.60000000000002 m 502.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 189.60000000000002 m 512.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 189.60000000000002 m 562.25 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 189.60000000000002 m 562.25 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 174.60000000000002 m 53.25 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 174.60000000000002 m 562.25 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 159.60000000000002 m 53.25 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 159.60000000000002 m 562.25 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 144.60000000000002 m 53.25 129.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 144.60000000000002 m 562.25 129.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 129.60000000000002 m 53.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 129.60000000000002 m 562.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 114.60000000000002 m 562.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 114.60000000000002 m 53.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 114.60000000000002 m 181.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 99.60000000000002 m 181.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.25 114.60000000000002 m 309.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.25 99.60000000000002 m 309.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.25 114.60000000000002 m 360.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.25 99.60000000000002 m 360.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.25 114.60000000000002 m 380.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.25 99.60000000000002 m 380.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 114.60000000000002 m 436.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 99.60000000000002 m 436.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 114.60000000000002 m 446.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 99.60000000000002 m 446.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 114.60000000000002 m 502.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 99.60000000000002 m 502.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 114.60000000000002 m 512.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 99.60000000000002 m 512.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 114.60000000000002 m 562.25 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 114.60000000000002 m 562.25 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 99.60000000000002 m 562.25 99.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 55.75 219.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.55 219.22 Td (A) Tj ET Q q 0 0 0 rg BT 328.13 219.22 Td (verages for the three months ended March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 194.22 Td (Credit Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.05 194.22 Td (Americas) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.45 204.22 Td (Europe, Middle) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.45 194.22 Td (East and ) Tj ET Q q 0 0 0 rg BT 407.43 194.22 Td (Africa) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.95 204.22 Td (Asia-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.25 194.22 Td (Pacific) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.60 194.22 Td (T) Tj ET Q q 0 0 0 rg BT 542.60 194.22 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 179.22 Td (Loans, net of Unearned Income and ) Tj ET Q q 0 0 0 rg BT 217.81 179.22 Td (Allowance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.75 179.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.80 179.22 Td (30,938) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.75 179.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.35 179.22 Td (1,293) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.75 179.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.70 179.22 Td (106) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.75 179.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.80 179.22 Td (32,337) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 164.22 Td (Loan Commitments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.80 164.22 Td (28,401) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.70 164.22 Td (568) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.40 164.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.80 164.22 Td (28,969) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 149.22 Td (Balances Due from Depository Institutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.80 149.22 Td (12,728) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.80 149.22 Td (20,653) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.35 149.22 Td (2,567) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.80 149.22 Td (35,948) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 134.22 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.80 134.22 Td (34,422) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.80 134.22 Td (12,176) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.35 134.22 Td (1,019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.80 134.22 Td (47,617) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 119.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.49 119.22 Td (rading ) Tj ET Q q 0 0 0 rg BT 91.51 119.22 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.70 119.22 Td (493) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.70 119.22 Td (124) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.25 119.22 Td (70) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.70 119.22 Td (687) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 55.75 104.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.12 104.22 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 311.75 104.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 320.25 104.22 Td (106,982) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 382.75 104.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 401.80 104.22 Td (34,814) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 448.75 104.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 473.35 104.22 Td (3,762) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 514.75 104.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 522.25 104.22 Td (145,558) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (18 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 1 1 1 rg /GS0 gs 54.00 720.04 511.83 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 77.38 711.30 Td (following ) Tj ET Q q 0 0 0 rg BT 126.77 711.30 Td (table ) Tj ET Q q 0 0 0 rg BT 155.49 711.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 203.55 711.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 252.76 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 259.64 711.30 Td (rust) Tj ET Q q 0 0 0 rg BT 282.10 711.30 Td (s ) Tj ET Q q 0 0 0 rg BT 290.79 711.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 322.84 711.30 Td (exposures ) Tj ET Q q 0 0 0 rg BT 380.90 711.30 Td (by ) Tj ET Q q 0 0 0 rg BT 396.28 711.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 440.99 711.30 Td (and ) Tj ET Q q 0 0 0 rg BT 463.71 711.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 515.78 711.30 Td (type ) Tj ET Q q 0 0 0 rg BT 541.16 711.30 Td (with ) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 54.00 705.64 218.11 -11.26 re f /GS0 gs q 0 0 0 rg BT 54.00 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 74.02 696.90 Td (associated ) Tj ET Q q 0 0 0 rg BT 134.72 696.90 Td (contractual ) Tj ET Q q 0 0 0 rg BT 196.75 696.90 Td (maturity ) Tj ET Q q 0 0 0 rg BT 242.76 696.90 Td (as ) Tj ET Q q 0 0 0 rg BT 258.77 696.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 272.11 705.64 83.38 -11.26 re f /GS0 gs q 0 0 0 rg BT 272.11 696.90 Td (March31, ) Tj ET Q q 0 0 0 rg BT 328.80 696.90 Td (2018) Tj ET Q BT /F2 12.00 Tf ET 1 1 1 rg /GS0 gs 355.49 705.64 3.33 -11.26 re f /GS0 gs q 0 0 0 rg BT 355.49 696.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 668.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 668.10 Td (12: ) Tj ET Q q 0 0 0 rg BT 108.46 668.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 146.47 668.10 Td (Exposures ) Tj ET Q q 0 0 0 rg BT 211.16 668.10 Td (by ) Tj ET Q q 0 0 0 rg BT 228.50 668.10 Td (Industry) Tj ET Q q 0 0 0 rg BT 274.95 668.10 Td (, ) Tj ET Q q 0 0 0 rg BT 281.61 668.10 Td (Exposure ) Tj ET Q q 0 0 0 rg BT 339.63 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 346.07 668.10 Td (ype ) Tj ET Q q 0 0 0 rg BT 370.08 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.75 668.10 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 464.76 668.10 Td (Maturity) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 657.60 218.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 271.75 657.60 17.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 288.75 657.60 273.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 642.60 218.00 -22.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 271.75 642.60 69.00 -22.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 340.75 642.60 72.00 -22.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 412.75 642.60 72.00 -22.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 484.75 642.60 77.00 -22.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 53.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 271.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 271.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 657.6 m 288.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 657.6 m 340.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 642.6 m 340.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 657.6 m 360.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 657.6 m 412.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 657.6 m 432.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 657.6 m 484.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 657.6 m 504.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 657.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 657.6 m 561.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 53.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 271.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 620.6 m 271.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 642.6 m 288.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 620.6 m 288.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 642.6 m 340.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 620.6 m 340.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 642.6 m 360.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 620.6 m 360.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 642.6 m 412.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 620.6 m 412.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 642.6 m 432.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 620.6 m 432.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 642.6 m 484.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 620.6 m 484.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 642.6 m 504.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 620.6 m 504.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 642.6 m 561.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 642.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 620.6 m 561.75 620.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 620.6 m 53.75 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 620.6 m 561.75 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 605.6 m 53.75 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 605.6 m 561.75 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 590.6 m 53.75 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 590.6 m 561.75 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 575.6 m 53.75 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 575.6 m 561.75 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 560.6 m 53.75 545.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 560.6 m 561.75 545.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 545.6 m 53.75 530.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 545.6 m 561.75 530.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 530.6 m 53.75 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 530.6 m 561.75 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 515.6 m 53.75 500.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 515.6 m 561.75 500.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 500.6 m 53.75 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 500.6 m 561.75 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 485.6 m 53.75 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 485.6 m 561.75 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 470.6 m 53.75 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 470.6 m 561.75 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 455.6 m 53.75 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 455.6 m 561.75 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 440.6 m 53.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 425.6 m 340.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 425.6 m 360.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 425.6 m 412.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 425.6 m 432.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 425.6 m 484.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 425.6 m 504.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 440.6 m 561.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 425.6 m 53.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 425.6 m 271.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 410.6 m 271.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 425.6 m 288.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 410.6 m 288.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 425.6 m 340.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 410.6 m 340.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 425.6 m 360.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 410.6 m 360.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 425.6 m 412.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 410.6 m 412.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 425.6 m 432.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 410.6 m 432.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 425.6 m 484.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 410.6 m 484.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 425.6 m 504.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 410.6 m 504.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 425.6 m 561.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 425.6 m 561.75 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 410.6 m 561.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 410.6 m 53.75 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 410.6 m 412.75 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 410.6 m 561.75 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 395.6 m 53.75 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 395.6 m 561.75 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 380.6 m 53.75 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 380.6 m 561.75 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 365.6 m 53.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 365.6 m 561.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 350.6 m 53.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 350.6 m 271.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 335.6 m 271.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 350.6 m 288.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 335.6 m 288.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 350.6 m 340.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 335.6 m 340.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 350.6 m 360.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 335.6 m 360.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 350.6 m 412.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 335.6 m 412.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 350.6 m 432.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 335.6 m 432.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 350.6 m 484.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 335.6 m 484.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 350.6 m 504.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 335.6 m 504.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 350.6 m 561.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 350.6 m 561.75 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 335.6 m 561.75 335.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 335.6 m 53.75 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 335.6 m 561.75 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 320.6 m 53.75 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 320.6 m 561.75 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 305.6 m 53.75 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 305.6 m 561.75 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 290.6 m 53.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 275.6 m 360.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 275.6 m 432.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 275.6 m 504.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 290.6 m 561.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 275.6 m 53.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 275.6 m 271.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 260.6 m 271.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 275.6 m 288.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 260.6 m 288.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 275.6 m 340.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 260.6 m 340.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 275.6 m 360.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 260.6 m 360.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 275.6 m 412.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 260.6 m 412.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 275.6 m 432.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 260.6 m 432.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 275.6 m 484.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 260.6 m 484.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 275.6 m 504.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 260.6 m 504.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 275.6 m 561.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 275.6 m 561.75 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 260.6 m 561.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 260.6 m 53.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 260.6 m 340.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 260.6 m 360.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 260.6 m 412.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 260.6 m 432.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 260.6 m 484.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 260.6 m 504.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 260.6 m 561.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 260.6 m 561.75 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 251.60000000000002 m 53.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 251.60000000000002 m 271.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 236.60000000000002 m 271.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 251.60000000000002 m 288.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 236.60000000000002 m 288.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 251.60000000000002 m 340.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 236.60000000000002 m 340.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 251.60000000000002 m 360.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 236.60000000000002 m 360.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 251.60000000000002 m 412.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 236.60000000000002 m 412.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 251.60000000000002 m 432.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 236.60000000000002 m 432.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 251.60000000000002 m 484.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 236.60000000000002 m 484.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 251.60000000000002 m 504.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 236.60000000000002 m 504.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 251.60000000000002 m 561.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 251.60000000000002 m 561.75 251.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 236.60000000000002 m 561.75 236.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 236.60000000000002 m 53.75 227.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 236.60000000000002 m 561.75 227.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 227.60000000000002 m 53.75 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 227.60000000000002 m 561.75 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 212.60000000000002 m 53.75 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 212.60000000000002 m 561.75 197.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 197.60000000000002 m 53.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 197.60000000000002 m 561.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 182.60000000000002 m 53.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 182.60000000000002 m 271.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 167.60000000000002 m 271.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 182.60000000000002 m 288.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.75 167.60000000000002 m 288.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 182.60000000000002 m 340.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 167.60000000000002 m 340.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 182.60000000000002 m 360.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 167.60000000000002 m 360.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 182.60000000000002 m 412.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.75 167.60000000000002 m 412.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 182.60000000000002 m 432.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 167.60000000000002 m 432.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 182.60000000000002 m 484.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.75 167.60000000000002 m 484.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 182.60000000000002 m 504.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 167.60000000000002 m 504.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 182.60000000000002 m 561.75 167.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 182.60000000000002 m 561.75 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 167.60000000000002 m 561.75 167.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 647.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 647.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.00 632.82 Td (Up to 1 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 622.87 Td (Y) Tj ET Q q 0 0 0 rg BT 322.75 622.87 Td (ear) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.20 632.82 Td (1 to 5 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.00 622.87 Td (Y) Tj ET Q q 0 0 0 rg BT 389.75 622.87 Td (ears) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.20 632.82 Td (Over 5 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 622.87 Td (Y) Tj ET Q q 0 0 0 rg BT 461.75 622.87 Td (ears) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.10 625.22 Td (T) Tj ET Q q 0 0 0 rg BT 542.10 625.22 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 610.22 Td (Commercial Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.25 595.22 Td (Commercial and Institutional) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 580.22 Td (Finance and Insurance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.25 580.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.85 580.22 Td (2,777) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.25 580.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.85 580.22 Td (2,233) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.25 580.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 580.22 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.25 580.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 580.22 Td (5,028) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 565.22 Td (Holding Companies) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.75 565.22 Td (36) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.30 565.22 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 565.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.75 565.22 Td (44) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 550.22 Td (Manufacturing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.85 550.22 Td (2,342) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.85 550.22 Td (6,552) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 550.22 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 550.22 Td (8,909) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 535.22 Td (Mining) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 535.22 Td (217) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 535.22 Td (528) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.90 535.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 535.22 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 520.22 Td (Public ) Tj ET Q q 0 0 0 rg BT 97.99 520.22 Td (Administration) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 520.22 Td (179) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.75 520.22 Td (49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 520.22 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 520.22 Td (240) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 505.22 Td (Retail ) Tj ET Q q 0 0 0 rg BT 96.50 505.22 Td (T) Tj ET Q q 0 0 0 rg BT 102.34 505.22 Td (rade) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 505.22 Td (322) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 505.22 Td (797) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 505.22 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 505.22 Td (1,135) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 490.22 Td (Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.85 490.22 Td (4,687) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.85 490.22 Td (5,981) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.85 490.22 Td (1,299) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.30 490.22 Td (1) Tj ET Q q 0 0 0 rg BT 526.86 490.22 Td (1,967) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 475.22 Td (T) Tj ET Q q 0 0 0 rg BT 74.17 475.22 Td (ransportation and W) Tj ET Q q 0 0 0 rg BT 163.85 475.22 Td (arehousing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.75 475.22 Td (74) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 475.22 Td (441) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 475.22 Td (65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 475.22 Td (580) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 460.22 Td (Utilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.75 460.22 Td (89) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.85 460.22 Td (1,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.90 460.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 460.22 Td (1,21) Tj ET Q q 0 0 0 rg BT 546.31 460.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 445.22 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 117.63 445.22 Td (T) Tj ET Q q 0 0 0 rg BT 123.46 445.22 Td (rade) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 445.22 Td (51) Tj ET Q q 0 0 0 rg BT 325.32 445.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 445.22 Td (669) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 445.22 Td (27) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 445.22 Td (1,207) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 430.22 Td (Other Commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 430.22 Td (521) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 430.22 Td (226) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 430.22 Td (98) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 430.22 Td (845) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 415.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 415.22 Td (otal Commercial and Institutional) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 291.25 415.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 300.30 415.27 Td (1) Tj ET Q q 0 0 0 rg BT 305.86 415.27 Td (1,755) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.25 415.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 372.30 415.22 Td (18,605) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.25 415.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 449.85 415.22 Td (1,551) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.25 415.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 521.30 415.22 Td (31,91) Tj ET Q q 0 0 0 rg BT 546.32 415.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 400.22 Td (Commercial Real Estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 400.22 Td (693) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.85 400.22 Td (2,407) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.20 400.22 Td (654) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 400.22 Td (3,754) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 385.22 Td (Lease Financing, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.30 385.27 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.75 385.22 Td (92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.75 385.22 Td (98) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 385.22 Td (196) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 370.22 Td (Non-U.S.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.85 370.22 Td (2,589) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 370.22 Td (629) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 370.22 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 370.22 Td (3,226) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 355.22 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 355.22 Td (396) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.90 355.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.90 355.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 355.22 Td (396) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 340.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 340.22 Td (otal Commercial) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 291.25 340.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 300.30 340.27 Td (15,439) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.25 340.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 372.30 340.22 Td (21,733) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.25 340.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 449.85 340.22 Td (2,31) Tj ET Q q 0 0 0 rg BT 469.31 340.22 Td (1) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.25 340.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 521.30 340.22 Td (39,483) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 325.22 Td (Personal Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 310.22 Td (Residential Real Estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 310.22 Td (595) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.20 310.22 Td (876) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.85 310.22 Td (6,520) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.85 310.22 Td (7,991) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 295.22 Td (Private Client) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.85 295.22 Td (8,388) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.85 295.22 Td (4,154) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.20 295.22 Td (536) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.30 295.22 Td (13,078) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.25 280.22 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.75 280.22 Td (37) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.90 280.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.90 280.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.75 280.22 Td (37) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 265.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 265.22 Td (otal Personal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 291.25 265.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 305.85 265.22 Td (9,020) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.25 265.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 377.85 265.22 Td (5,030) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.25 265.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 449.85 265.22 Td (7,056) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.25 265.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 521.30 265.22 Td (21,106) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 241.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 241.22 Td (otal Commercial and Personal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 291.25 241.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 300.30 241.27 Td (24,459) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.25 241.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 372.30 241.22 Td (26,763) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.25 241.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 449.85 241.22 Td (9,367) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.25 241.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 521.30 241.22 Td (60,589) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 217.22 Td (Balances Due from Depository Institutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.30 217.27 Td (40,420) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.90 217.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 217.22 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.30 217.22 Td (40,421) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 202.22 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.85 202.22 Td (8,679) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.30 202.22 Td (19,713) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.30 202.22 Td (20,152) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.30 202.22 Td (48,544) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 187.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.99 187.22 Td (rading ) Tj ET Q q 0 0 0 rg BT 92.01 187.22 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.20 187.22 Td (907) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.90 187.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.90 187.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.20 187.22 Td (907) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 172.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 172.22 Td (otal Exposures) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 291.25 172.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 300.30 172.27 Td (74,465) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.25 172.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 372.30 172.22 Td (46,476) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.25 172.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 444.30 172.22 Td (29,520) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.25 172.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 515.75 172.22 Td (150,461) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 141.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 141.70 Td (Refer ) Tj ET Q q 0 0 0 rg BT 124.22 141.70 Td (to ) Tj ET Q q 0 0 0 rg BT 139.11 141.70 Td (page ) Tj ET Q q 0 0 0 rg BT 170.68 141.70 Td (67 ) Tj ET Q q 0 0 0 rg BT 188.91 141.70 Td (of ) Tj ET Q q 0 0 0 rg BT 203.80 141.70 Td (the ) Tj ET Q q 0 0 0 rg BT 225.36 141.70 Td (Corporation) Tj ET Q q 0 0 0 rg BT 290.51 141.70 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 301.39 141.70 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 328.08 141.70 Td ( ) Tj ET Q q 0 0 0 rg BT 331.99 141.70 Td (Annual ) Tj ET Q q 0 0 0 rg BT 374.24 141.70 Td (Report ) Tj ET Q q 0 0 0 rg BT 415.13 141.70 Td (for ) Tj ET Q q 0 0 0 rg BT 434.02 141.70 Td (information ) Tj ET Q q 0 0 0 rg BT 498.26 141.70 Td (on ) Tj ET Q q 0 0 0 rg BT 516.48 141.70 Td (undrawn ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 127.30 Td (commitments ) Tj ET Q q 0 0 0 rg BT 164.68 127.30 Td (by ) Tj ET Q q 0 0 0 rg BT 180.69 127.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 226.04 127.30 Td (sectors.) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (19 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 114.69 711.30 Td (Internal ) Tj ET Q q 0 0 0 rg BT 161.36 711.30 Td (Ratings ) Tj ET Q q 0 0 0 rg BT 208.70 711.30 Td (Based ) Tj ET Q q 0 0 0 rg BT 247.61 711.30 Td (Approach ) Tj ET Q q 0 0 0 rg BT 306.94 711.30 Td (for ) Tj ET Q q 0 0 0 rg BT 326.27 711.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 364.28 711.30 Td (Risk) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Internal ) Tj ET Q q 0 0 0 rg BT 97.36 682.50 Td (Rating ) Tj ET Q q 0 0 0 rg BT 135.38 682.50 Td (System ) Tj ET Q q 0 0 0 rg BT 178.72 682.50 Td (Overview) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (An ) Tj ET Q q 0 0 0 rg BT 72.05 653.70 Td (integral ) Tj ET Q q 0 0 0 rg BT 114.78 653.70 Td (component ) Tj ET Q q 0 0 0 rg BT 177.53 653.70 Td (of ) Tj ET Q q 0 0 0 rg BT 190.91 653.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 223.63 653.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 245.67 653.70 Td (measurement ) Tj ET Q q 0 0 0 rg BT 322.41 653.70 Td (is ) Tj ET Q q 0 0 0 rg BT 334.45 653.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 384.29 653.70 Td (T) Tj ET Q q 0 0 0 rg BT 391.18 653.70 Td (rust) Tj ET Q q 0 0 0 rg BT 413.63 653.70 Td (s ) Tj ET Q q 0 0 0 rg BT 423.00 653.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 465.74 653.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 487.77 653.70 Td (rating ) Tj ET Q q 0 0 0 rg BT 521.17 653.70 Td (system. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.98 639.30 Td (T) Tj ET Q q 0 0 0 rg BT 111.86 639.30 Td (rust) Tj ET Q q 0 0 0 rg BT 134.32 639.30 Td (s ) Tj ET Q q 0 0 0 rg BT 144.91 639.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 188.86 639.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 212.11 639.30 Td (rating ) Tj ET Q q 0 0 0 rg BT 246.72 639.30 Td (system ) Tj ET Q q 0 0 0 rg BT 289.31 639.30 Td (enables ) Tj ET Q q 0 0 0 rg BT 335.94 639.30 Td (identification, ) Tj ET Q q 0 0 0 rg BT 410.57 639.30 Td (measurement, ) Tj ET Q q 0 0 0 rg BT 491.86 639.30 Td (approval ) Tj ET Q q 0 0 0 rg BT 542.48 639.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 114.12 624.90 Td (of ) Tj ET Q q 0 0 0 rg BT 128.21 624.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.64 624.90 Td (risk. ) Tj ET Q q 0 0 0 rg BT 187.73 624.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 238.24 624.90 Td (T) Tj ET Q q 0 0 0 rg BT 245.12 624.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 269.21 624.90 Td (uses ) Tj ET Q q 0 0 0 rg BT 298.65 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 318.61 624.90 Td (AIRB ) Tj ET Q q 0 0 0 rg BT 350.70 624.90 Td (approach ) Tj ET Q q 0 0 0 rg BT 404.83 624.90 Td (to ) Tj ET Q q 0 0 0 rg BT 418.92 624.90 Td (calculate ) Tj ET Q q 0 0 0 rg BT 470.37 624.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 527.82 624.90 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (using ) Tj ET Q q 0 0 0 rg BT 85.45 610.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 141.57 610.50 Td (formulas ) Tj ET Q q 0 0 0 rg BT 190.34 610.50 Td (and ) Tj ET Q q 0 0 0 rg BT 213.13 610.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 265.25 610.50 Td (level ) Tj ET Q q 0 0 0 rg BT 292.69 610.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 314.12 610.50 Td (information ) Tj ET Q q 0 0 0 rg BT 376.24 610.50 Td (from ) Tj ET Q q 0 0 0 rg BT 403.00 610.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 452.27 610.50 Td (T) Tj ET Q q 0 0 0 rg BT 459.15 610.50 Td (rust) Tj ET Q q 0 0 0 rg BT 481.61 610.50 Td (s ) Tj ET Q q 0 0 0 rg BT 490.37 610.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 532.48 610.50 Td (rating ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 101.37 596.10 Td (Calculations ) Tj ET Q q 0 0 0 rg BT 172.76 596.10 Td (include ) Tj ET Q q 0 0 0 rg BT 216.82 596.10 Td (entity-specific ) Tj ET Q q 0 0 0 rg BT 295.54 596.10 Td (information ) Tj ET Q q 0 0 0 rg BT 360.93 596.10 Td (about ) Tj ET Q q 0 0 0 rg BT 396.99 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.70 596.10 Td (obligor) Tj ET Q q 0 0 0 rg BT 456.17 596.10 Td () Tj ET Q q 0 0 0 rg BT 458.62 596.10 Td (s ) Tj ET Q q 0 0 0 rg BT 470.65 596.10 Td (or ) Tj ET Q q 0 0 0 rg BT 487.35 596.10 Td (counterparty) Tj ET Q q 0 0 0 rg BT 556.50 596.10 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (probability ) Tj ET Q q 0 0 0 rg BT 112.54 581.70 Td (of ) Tj ET Q q 0 0 0 rg BT 126.39 581.70 Td (default ) Tj ET Q q 0 0 0 rg BT 166.27 581.70 Td (\(PD\) ) Tj ET Q q 0 0 0 rg BT 202.76 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 226.63 581.70 Td (exposure-specific ) Tj ET Q q 0 0 0 rg BT 323.85 581.70 Td (information ) Tj ET Q q 0 0 0 rg BT 387.05 581.70 Td (about ) Tj ET Q q 0 0 0 rg BT 420.93 581.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 446.11 581.70 Td (given ) Tj ET Q q 0 0 0 rg BT 478.64 581.70 Td (default ) Tj ET Q q 0 0 0 rg BT 518.51 581.70 Td (\(LGD\), ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 106.81 567.30 Td (at ) Tj ET Q q 0 0 0 rg BT 120.26 567.30 Td (default ) Tj ET Q q 0 0 0 rg BT 159.73 567.30 Td (\(EAD\) ) Tj ET Q q 0 0 0 rg BT 203.83 567.30 Td (and ) Tj ET Q q 0 0 0 rg BT 227.30 567.30 Td (maturity) Tj ET Q q 0 0 0 rg BT 269.08 567.30 Td (. ) Tj ET Q q 0 0 0 rg BT 275.86 567.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 325.76 567.30 Td (T) Tj ET Q q 0 0 0 rg BT 332.65 567.30 Td (rust) Tj ET Q q 0 0 0 rg BT 355.10 567.30 Td (s ) Tj ET Q q 0 0 0 rg BT 364.54 567.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 407.34 567.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 429.45 567.30 Td (rating ) Tj ET Q q 0 0 0 rg BT 462.91 567.30 Td (system ) Tj ET Q q 0 0 0 rg BT 504.36 567.30 Td (is ) Tj ET Q q 0 0 0 rg BT 516.47 567.30 Td (intended ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (to ) Tj ET Q q 0 0 0 rg BT 67.34 552.90 Td (rank ) Tj ET Q q 0 0 0 rg BT 94.02 552.90 Td (its ) Tj ET Q q 0 0 0 rg BT 109.35 552.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 142.03 552.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 164.03 552.90 Td (without ) Tj ET Q q 0 0 0 rg BT 205.38 552.90 Td (any ) Tj ET Q q 0 0 0 rg BT 228.06 552.90 Td (modeled ) Tj ET Q q 0 0 0 rg BT 277.43 552.90 Td (linkage ) Tj ET Q q 0 0 0 rg BT 318.79 552.90 Td (to ) Tj ET Q q 0 0 0 rg BT 332.13 552.90 Td (external ) Tj ET Q q 0 0 0 rg BT 378.16 552.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 410.84 552.90 Td (ratings. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (Obligors ) Tj ET Q q 0 0 0 rg BT 100.79 524.10 Td (are ) Tj ET Q q 0 0 0 rg BT 120.24 524.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 170.38 524.10 Td (PDs ) Tj ET Q q 0 0 0 rg BT 195.16 524.10 Td (after ) Tj ET Q q 0 0 0 rg BT 221.28 524.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 294.76 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.88 524.10 Td (both ) Tj ET Q q 0 0 0 rg BT 332.34 524.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 395.82 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.95 524.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 474.09 524.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 515.12 524.10 Td (Although ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 73.00 509.70 Td (criteria ) Tj ET Q q 0 0 0 rg BT 111.33 509.70 Td (vary) Tj ET Q q 0 0 0 rg BT 133.11 509.70 Td (, ) Tj ET Q q 0 0 0 rg BT 138.76 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 157.77 509.70 Td (objective ) Tj ET Q q 0 0 0 rg BT 207.45 509.70 Td (is ) Tj ET Q q 0 0 0 rg BT 218.44 509.70 Td (for ) Tj ET Q q 0 0 0 rg BT 234.76 509.70 Td (assigned ) Tj ET Q q 0 0 0 rg BT 285.12 509.70 Td (PDs ) Tj ET Q q 0 0 0 rg BT 310.11 509.70 Td (to ) Tj ET Q q 0 0 0 rg BT 322.44 509.70 Td (be ) Tj ET Q q 0 0 0 rg BT 338.11 509.70 Td (consistent ) Tj ET Q q 0 0 0 rg BT 394.46 509.70 Td (in ) Tj ET Q q 0 0 0 rg BT 406.12 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 425.12 509.70 Td (measurement ) Tj ET Q q 0 0 0 rg BT 500.81 509.70 Td (and ) Tj ET Q q 0 0 0 rg BT 523.15 509.70 Td (ranking ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (of ) Tj ET Q q 0 0 0 rg BT 70.90 495.30 Td (risk. ) Tj ET Q q 0 0 0 rg BT 99.79 495.30 Td (LGD ) Tj ET Q q 0 0 0 rg BT 131.35 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 158.26 495.30 Td (EAD ) Tj ET Q q 0 0 0 rg BT 189.83 495.30 Td (are ) Tj ET Q q 0 0 0 rg BT 214.06 495.30 Td (assigned ) Tj ET Q q 0 0 0 rg BT 268.99 495.30 Td (based ) Tj ET Q q 0 0 0 rg BT 308.58 495.30 Td (on ) Tj ET Q q 0 0 0 rg BT 328.81 495.30 Td (obligor) Tj ET Q q 0 0 0 rg BT 364.18 495.30 Td (, ) Tj ET Q q 0 0 0 rg BT 374.40 495.30 Td (product, ) Tj ET Q q 0 0 0 rg BT 424.65 495.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 479.57 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 506.48 495.30 Td (instrument ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (characteristics. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 79.88 452.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 118.45 452.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.34 452.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 188.93 452.10 Td (at ) Tj ET Q q 0 0 0 rg BT 201.48 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.71 452.10 Td (time ) Tj ET Q q 0 0 0 rg BT 245.93 452.10 Td (an ) Tj ET Q q 0 0 0 rg BT 261.83 452.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 315.75 452.10 Td (is ) Tj ET Q q 0 0 0 rg BT 326.97 452.10 Td (approved, ) Tj ET Q q 0 0 0 rg BT 382.89 452.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 431.47 452.10 Td (or ) Tj ET Q q 0 0 0 rg BT 444.69 452.10 Td (amended. ) Tj ET Q q 0 0 0 rg BT 500.61 452.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 526.50 452.10 Td (ratings ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (are ) Tj ET Q q 0 0 0 rg BT 74.29 437.70 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 125.27 437.70 Td (annually ) Tj ET Q q 0 0 0 rg BT 172.92 437.70 Td (or ) Tj ET Q q 0 0 0 rg BT 186.54 437.70 Td (when ) Tj ET Q q 0 0 0 rg BT 218.17 437.70 Td (new ) Tj ET Q q 0 0 0 rg BT 243.14 437.70 Td (information ) Tj ET Q q 0 0 0 rg BT 305.45 437.70 Td (relevant ) Tj ET Q q 0 0 0 rg BT 351.09 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 364.05 437.70 Td (the ) Tj ET Q q 0 0 0 rg BT 383.68 437.70 Td (rating ) Tj ET Q q 0 0 0 rg BT 416.65 437.70 Td (is ) Tj ET Q q 0 0 0 rg BT 428.26 437.70 Td (received. ) Tj ET Q q 0 0 0 rg BT 479.90 437.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 506.18 437.70 Td (ratings ) Tj ET Q q 0 0 0 rg BT 545.15 437.70 Td (are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (utilized ) Tj ET Q q 0 0 0 rg BT 94.69 423.30 Td (for ) Tj ET Q q 0 0 0 rg BT 112.03 423.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 144.70 423.30 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 216.74 423.30 Td (management ) Tj ET Q q 0 0 0 rg BT 290.12 423.30 Td (reporting ) Tj ET Q q 0 0 0 rg BT 340.81 423.30 Td (and ) Tj ET Q q 0 0 0 rg BT 364.17 423.30 Td (the ) Tj ET Q q 0 0 0 rg BT 384.18 423.30 Td (calculation ) Tj ET Q q 0 0 0 rg BT 444.22 423.30 Td (of ) Tj ET Q q 0 0 0 rg BT 457.56 423.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 514.25 423.30 Td (capital. ) Tj ET Q q 0 0 0 rg BT 555.61 423.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (The ) Tj ET Q q 0 0 0 rg BT 77.50 394.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 112.34 394.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 138.50 394.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 211.37 394.50 Td (function ) Tj ET Q q 0 0 0 rg BT 256.22 394.50 Td (is ) Tj ET Q q 0 0 0 rg BT 267.71 394.50 Td (responsible ) Tj ET Q q 0 0 0 rg BT 331.91 394.50 Td (for ) Tj ET Q q 0 0 0 rg BT 348.74 394.50 Td (the ) Tj ET Q q 0 0 0 rg BT 368.25 394.50 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 413.79 394.50 Td (oversight ) Tj ET Q q 0 0 0 rg BT 465.30 394.50 Td (of ) Tj ET Q q 0 0 0 rg BT 478.14 394.50 Td (each ) Tj ET Q q 0 0 0 rg BT 506.98 394.50 Td (model ) Tj ET Q q 0 0 0 rg BT 542.49 394.50 Td (that ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (supports ) Tj ET Q q 0 0 0 rg BT 103.06 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.78 380.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 165.18 380.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 186.88 380.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 219.93 380.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 264.11 380.10 Td (This ) Tj ET Q q 0 0 0 rg BT 289.82 380.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 341.55 380.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 388.61 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.33 380.10 Td (development, ) Tj ET Q q 0 0 0 rg BT 483.42 380.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 542.48 380.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 127.50 365.70 Td (of ) Tj ET Q q 0 0 0 rg BT 142.29 365.70 Td (the ) Tj ET Q q 0 0 0 rg BT 163.75 365.70 Td (models, ) Tj ET Q q 0 0 0 rg BT 210.55 365.70 Td (as ) Tj ET Q q 0 0 0 rg BT 228.01 365.70 Td (well ) Tj ET Q q 0 0 0 rg BT 253.46 365.70 Td (as ) Tj ET Q q 0 0 0 rg BT 270.92 365.70 Td (providing ) Tj ET Q q 0 0 0 rg BT 324.40 365.70 Td (information ) Tj ET Q q 0 0 0 rg BT 388.54 365.70 Td (to ) Tj ET Q q 0 0 0 rg BT 403.33 365.70 Td (the ) Tj ET Q q 0 0 0 rg BT 424.80 365.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 461.59 365.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 489.70 365.70 Td (Committee ) Tj ET Q q 0 0 0 rg BT 552.50 365.70 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (support ) Tj ET Q q 0 0 0 rg BT 99.84 351.30 Td (model ) Tj ET Q q 0 0 0 rg BT 138.35 351.30 Td (approval ) Tj ET Q q 0 0 0 rg BT 190.20 351.30 Td (and ) Tj ET Q q 0 0 0 rg BT 216.04 351.30 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 277.89 351.30 Td (of ) Tj ET Q q 0 0 0 rg BT 293.71 351.30 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 342.24 351.30 Td (model ) Tj ET Q q 0 0 0 rg BT 380.74 351.30 Td (performance. ) Tj ET Q q 0 0 0 rg BT 457.26 351.30 Td (Independent ) Tj ET Q q 0 0 0 rg BT 529.81 351.30 Td (model ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (governance ) Tj ET Q q 0 0 0 rg BT 119.11 336.90 Td (and ) Tj ET Q q 0 0 0 rg BT 141.53 336.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 192.62 336.90 Td (is ) Tj ET Q q 0 0 0 rg BT 203.68 336.90 Td (further ) Tj ET Q q 0 0 0 rg BT 240.76 336.90 Td (supported ) Tj ET Q q 0 0 0 rg BT 296.53 336.90 Td (by ) Tj ET Q q 0 0 0 rg BT 311.61 336.90 Td (the ) Tj ET Q q 0 0 0 rg BT 330.69 336.90 Td (activities ) Tj ET Q q 0 0 0 rg BT 379.10 336.90 Td (of ) Tj ET Q q 0 0 0 rg BT 391.50 336.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 417.23 336.90 Td (Control ) Tj ET Q q 0 0 0 rg BT 458.31 336.90 Td (as ) Tj ET Q q 0 0 0 rg BT 473.39 336.90 Td (described ) Tj ET Q q 0 0 0 rg BT 527.82 336.90 Td (further ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (in ) Tj ET Q q 0 0 0 rg BT 66.67 322.50 Td (Independent ) Tj ET Q q 0 0 0 rg BT 136.74 322.50 Td (Review ) Tj ET Q q 0 0 0 rg BT 179.42 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 202.78 322.50 Td (V) Tj ET Q q 0 0 0 rg BT 210.12 322.50 Td (erification ) Tj ET Q q 0 0 0 rg BT 264.81 322.50 Td (within ) Tj ET Q q 0 0 0 rg BT 298.82 322.50 Td (the ) Tj ET Q q 0 0 0 rg BT 318.84 322.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 345.50 322.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 418.88 322.50 Td (Overview ) Tj ET Q q 0 0 0 rg BT 472.22 322.50 Td (section.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (PD, ) Tj ET Q q 0 0 0 rg BT 77.34 293.70 Td (EAD ) Tj ET Q q 0 0 0 rg BT 105.35 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 128.70 293.70 Td (LGD ) Tj ET Q q 0 0 0 rg BT 156.71 293.70 Td (Estimation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.80 264.90 Td (T) Tj ET Q q 0 0 0 rg BT 110.69 264.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 134.03 264.90 Td (has ) Tj ET Q q 0 0 0 rg BT 156.71 264.90 Td (developed ) Tj ET Q q 0 0 0 rg BT 215.43 264.90 Td (internal ) Tj ET Q q 0 0 0 rg BT 258.12 264.90 Td (estimates ) Tj ET Q q 0 0 0 rg BT 312.80 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.14 264.90 Td (PD, ) Tj ET Q q 0 0 0 rg BT 349.48 264.90 Td (EAD ) Tj ET Q q 0 0 0 rg BT 377.49 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 400.85 264.90 Td (LGD, ) Tj ET Q q 0 0 0 rg BT 432.19 264.90 Td (each ) Tj ET Q q 0 0 0 rg BT 461.54 264.90 Td (as ) Tj ET Q q 0 0 0 rg BT 477.55 264.90 Td (defined ) Tj ET Q q 0 0 0 rg BT 520.25 264.90 Td (below:) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 234.38906250000002 m 164.572265625 234.38906250000002 l s q 0 0 0 rg BT 54.00 236.10 Td (Probability ) Tj ET Q q 0 0 0 rg BT 114.28 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.54 236.10 Td (default) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 164.57 236.10 Td ( ) Tj ET Q q 0 0 0 rg BT 168.83 236.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.75 236.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 223.38 236.10 Td (as ) Tj ET Q q 0 0 0 rg BT 240.30 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.24 236.10 Td (empirically ) Tj ET Q q 0 0 0 rg BT 322.17 236.10 Td (based ) Tj ET Q q 0 0 0 rg BT 359.12 236.10 Td (best ) Tj ET Q q 0 0 0 rg BT 386.06 236.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 435.66 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.92 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.86 236.10 Td (long-run ) Tj ET Q q 0 0 0 rg BT 519.14 236.10 Td (average ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 221.70 Td (one-year ) Tj ET Q q 0 0 0 rg BT 105.47 221.70 Td (default ) Tj ET Q q 0 0 0 rg BT 145.61 221.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 170.40 221.70 Td (for ) Tj ET Q q 0 0 0 rg BT 188.51 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 209.30 221.70 Td (rating ) Tj ET Q q 0 0 0 rg BT 243.42 221.70 Td (grade ) Tj ET Q q 0 0 0 rg BT 278.23 221.70 Td (assigned ) Tj ET Q q 0 0 0 rg BT 330.37 221.70 Td (to ) Tj ET Q q 0 0 0 rg BT 344.49 221.70 Td (an ) Tj ET Q q 0 0 0 rg BT 361.94 221.70 Td (obligor) Tj ET Q q 0 0 0 rg BT 397.30 221.70 Td (, ) Tj ET Q q 0 0 0 rg BT 404.75 221.70 Td (capturing ) Tj ET Q q 0 0 0 rg BT 458.22 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 479.01 221.70 Td (average ) Tj ET Q q 0 0 0 rg BT 526.49 221.70 Td (default ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 207.30 Td (experience ) Tj ET Q q 0 0 0 rg BT 115.80 207.30 Td (for ) Tj ET Q q 0 0 0 rg BT 132.91 207.30 Td (obligors ) Tj ET Q q 0 0 0 rg BT 178.03 207.30 Td (in ) Tj ET Q q 0 0 0 rg BT 190.46 207.30 Td (the ) Tj ET Q q 0 0 0 rg BT 210.24 207.30 Td (rating ) Tj ET Q q 0 0 0 rg BT 243.36 207.30 Td (grade ) Tj ET Q q 0 0 0 rg BT 277.15 207.30 Td (over ) Tj ET Q q 0 0 0 rg BT 303.59 207.30 Td (a ) Tj ET Q q 0 0 0 rg BT 313.36 207.30 Td (mix ) Tj ET Q q 0 0 0 rg BT 335.12 207.30 Td (of ) Tj ET Q q 0 0 0 rg BT 348.23 207.30 Td (economic ) Tj ET Q q 0 0 0 rg BT 402.69 207.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 459.82 207.30 Td (suf) Tj ET Q q 0 0 0 rg BT 475.61 207.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 510.06 207.30 Td (to ) Tj ET Q q 0 0 0 rg BT 523.16 207.30 Td (provide ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 192.90 Td (a ) Tj ET Q q 0 0 0 rg BT 64.01 192.90 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 126.72 192.90 Td (estimate. ) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 162.38906250000002 m 157.400390625 162.38906250000002 l s q 0 0 0 rg BT 54.00 164.10 Td (Exposure ) Tj ET Q q 0 0 0 rg BT 108.03 164.10 Td (at ) Tj ET Q q 0 0 0 rg BT 121.37 164.10 Td (default) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 157.40 164.10 Td ( ) Tj ET Q q 0 0 0 rg BT 160.73 164.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.74 164.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 213.45 164.10 Td (across ) Tj ET Q q 0 0 0 rg BT 252.12 164.10 Td (various ) Tj ET Q q 0 0 0 rg BT 294.14 164.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 352.84 164.10 Td (types ) Tj ET Q q 0 0 0 rg BT 384.86 164.10 Td (as:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 135.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 135.30 Td (On-balance-sheet ) Tj ET Q q 0 0 0 rg BT 188.39 135.30 Td (\(other ) Tj ET Q q 0 0 0 rg BT 222.73 135.30 Td (than ) Tj ET Q q 0 0 0 rg BT 249.08 135.30 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 340.13 135.30 Td (\(OTC\) ) Tj ET Q q 0 0 0 rg BT 384.44 135.30 Td (derivative, ) Tj ET Q q 0 0 0 rg BT 442.13 135.30 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 497.81 135.30 Td (transactions ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 120.90 Td (or ) Tj ET Q q 0 0 0 rg BT 103.88 120.90 Td (eligible ) Tj ET Q q 0 0 0 rg BT 144.45 120.90 Td (margin ) Tj ET Q q 0 0 0 rg BT 184.34 120.90 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 220.24 120.90 Td ( ) Tj ET Q q 0 0 0 rg BT 230.13 120.90 Td (the ) Tj ET Q q 0 0 0 rg BT 250.02 120.90 Td (carrying ) Tj ET Q q 0 0 0 rg BT 295.91 120.90 Td (value, ) Tj ET Q q 0 0 0 rg BT 331.14 120.90 Td (less ) Tj ET Q q 0 0 0 rg BT 355.70 120.90 Td (any ) Tj ET Q q 0 0 0 rg BT 378.26 120.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 429.50 120.90 Td (transfer ) Tj ET Q q 0 0 0 rg BT 473.40 120.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 495.27 120.90 Td (reserve ) Tj ET Q q 0 0 0 rg BT 538.50 120.90 Td (\(and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 106.50 Td (for ) Tj ET Q q 0 0 0 rg BT 107.34 106.50 Td (available ) Tj ET Q q 0 0 0 rg BT 158.04 106.50 Td (for ) Tj ET Q q 0 0 0 rg BT 175.38 106.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 200.72 106.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 227.41 106.50 Td (securities, ) Tj ET Q q 0 0 0 rg BT 284.77 106.50 Td (less ) Tj ET Q q 0 0 0 rg BT 309.44 106.50 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 368.14 106.50 Td (gains, ) Tj ET Q q 0 0 0 rg BT 403.50 106.50 Td (plus ) Tj ET Q q 0 0 0 rg BT 428.85 106.50 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 487.55 106.50 Td (losses\). ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 92.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 92.10 Td (Of) Tj ET Q q 0 0 0 rg BT 102.45 92.10 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 189.67 92.10 Td (\(other ) Tj ET Q q 0 0 0 rg BT 225.52 92.10 Td (than ) Tj ET Q q 0 0 0 rg BT 253.37 92.10 Td (OTC ) Tj ET Q q 0 0 0 rg BT 283.21 92.10 Td (derivative, ) Tj ET Q q 0 0 0 rg BT 342.40 92.10 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 399.59 92.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 468.79 92.10 Td (or ) Tj ET Q q 0 0 0 rg BT 483.96 92.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 525.82 92.10 Td (margin ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 77.70 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 126.21 77.70 Td ( ) Tj ET Q q 0 0 0 rg BT 136.41 77.70 Td (the ) Tj ET Q q 0 0 0 rg BT 156.62 77.70 Td (best ) Tj ET Q q 0 0 0 rg BT 182.82 77.70 Td (estimate ) Tj ET Q q 0 0 0 rg BT 231.70 77.70 Td (of ) Tj ET Q q 0 0 0 rg BT 245.24 77.70 Td (net ) Tj ET Q q 0 0 0 rg BT 265.44 77.70 Td (additions ) Tj ET Q q 0 0 0 rg BT 317.00 77.70 Td (to ) Tj ET Q q 0 0 0 rg BT 330.54 77.70 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 396.11 77.70 Td (amounts ) Tj ET Q q 0 0 0 rg BT 445.67 77.70 Td (owed ) Tj ET Q q 0 0 0 rg BT 477.88 77.70 Td (that ) Tj ET Q q 0 0 0 rg BT 501.42 77.70 Td (are ) Tj ET Q q 0 0 0 rg BT 522.29 77.70 Td (likely ) Tj ET Q q 0 0 0 rg BT 552.49 77.70 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 63.30 Td (occur ) Tj ET Q q 0 0 0 rg BT 121.79 63.30 Td (over ) Tj ET Q q 0 0 0 rg BT 147.58 63.30 Td (a ) Tj ET Q q 0 0 0 rg BT 156.70 63.30 Td (one-year ) Tj ET Q q 0 0 0 rg BT 206.50 63.30 Td (horizon, ) Tj ET Q q 0 0 0 rg BT 251.64 63.30 Td (assuming ) Tj ET Q q 0 0 0 rg BT 305.44 63.30 Td (the ) Tj ET Q q 0 0 0 rg BT 324.57 63.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 376.38 63.30 Td (were ) Tj ET Q q 0 0 0 rg BT 404.84 63.30 Td (to ) Tj ET Q q 0 0 0 rg BT 417.29 63.30 Td (go ) Tj ET Q q 0 0 0 rg BT 433.08 63.30 Td (into ) Tj ET Q q 0 0 0 rg BT 454.88 63.30 Td (default. ) Tj ET Q q 0 0 0 rg BT 496.68 63.30 Td (For ) Tj ET Q q 0 0 0 rg BT 517.13 63.30 Td (anything ) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (20 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 90.00 711.30 Td (other ) Tj ET Q q 0 0 0 rg BT 121.58 711.30 Td (than ) Tj ET Q q 0 0 0 rg BT 149.16 711.30 Td (a ) Tj ET Q q 0 0 0 rg BT 160.06 711.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 186.98 711.30 Td (commitment, ) Tj ET Q q 0 0 0 rg BT 259.88 711.30 Td (line ) Tj ET Q q 0 0 0 rg BT 282.79 711.30 Td (of ) Tj ET Q q 0 0 0 rg BT 297.03 711.30 Td (credit, ) Tj ET Q q 0 0 0 rg BT 333.93 711.30 Td (trade-related ) Tj ET Q q 0 0 0 rg BT 406.20 711.30 Td (letter ) Tj ET Q q 0 0 0 rg BT 437.10 711.30 Td (of ) Tj ET Q q 0 0 0 rg BT 451.34 711.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 484.91 711.30 Td (or ) Tj ET Q q 0 0 0 rg BT 499.81 711.30 Td (transaction-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 696.90 Td (related ) Tj ET Q q 0 0 0 rg BT 130.03 696.90 Td (contingency) Tj ET Q q 0 0 0 rg BT 193.18 696.90 Td (, ) Tj ET Q q 0 0 0 rg BT 199.85 696.90 Td (EAD ) Tj ET Q q 0 0 0 rg BT 227.85 696.90 Td (is ) Tj ET Q q 0 0 0 rg BT 239.85 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 259.87 696.90 Td (notional ) Tj ET Q q 0 0 0 rg BT 305.24 696.90 Td (amount.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 682.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 682.50 Td (OTC ) Tj ET Q q 0 0 0 rg BT 118.25 682.50 Td (derivative, ) Tj ET Q q 0 0 0 rg BT 175.87 682.50 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 231.48 682.50 Td (transaction ) Tj ET Q q 0 0 0 rg BT 293.10 682.50 Td (or ) Tj ET Q q 0 0 0 rg BT 306.70 682.50 Td (eligible ) Tj ET Q q 0 0 0 rg BT 346.98 682.50 Td (margin ) Tj ET Q q 0 0 0 rg BT 386.58 682.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 412.20 682.50 Td ( ) Tj ET Q q 0 0 0 rg BT 421.79 682.50 Td (as ) Tj ET Q q 0 0 0 rg BT 437.39 682.50 Td (defined ) Tj ET Q q 0 0 0 rg BT 479.68 682.50 Td (by ) Tj ET Q q 0 0 0 rg BT 495.28 682.50 Td (section ) Tj ET Q q 0 0 0 rg BT 536.23 682.50 Td (32 ) Tj ET Q q 0 0 0 rg BT 552.50 682.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.02 668.10 Td (final ) Tj ET Q q 0 0 0 rg BT 135.36 668.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 158.71 668.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 205.42 668.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.76 668.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 277.45 668.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 310.80 668.10 Td (III ) Tj ET Q q 0 0 0 rg BT 324.13 668.10 Td (in ) Tj ET Q q 0 0 0 rg BT 336.81 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.82 668.10 Td (United ) Tj ET Q q 0 0 0 rg BT 394.85 668.10 Td (States.) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 637.5890625 m 150.732421875 637.5890625 l s q 0 0 0 rg BT 54.00 639.30 Td (Loss given default) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 150.73 639.30 Td ( defined as the greater of: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 610.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 610.50 Td (an ) Tj ET Q q 0 0 0 rg BT 107.37 610.50 Td (empirically ) Tj ET Q q 0 0 0 rg BT 168.08 610.50 Td (based ) Tj ET Q q 0 0 0 rg BT 204.80 610.50 Td (best ) Tj ET Q q 0 0 0 rg BT 231.51 610.50 Td (estimate ) Tj ET Q q 0 0 0 rg BT 280.88 610.50 Td (of ) Tj ET Q q 0 0 0 rg BT 294.92 610.50 Td (long-run ) Tj ET Q q 0 0 0 rg BT 342.97 610.50 Td (default-weighted ) Tj ET Q q 0 0 0 rg BT 435.06 610.50 Td (average ) Tj ET Q q 0 0 0 rg BT 482.45 610.50 Td (economic ) Tj ET Q q 0 0 0 rg BT 537.83 610.50 Td (loss, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 596.10 Td (per ) Tj ET Q q 0 0 0 rg BT 111.57 596.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 145.14 596.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.38 596.10 Td (EAD, ) Tj ET Q q 0 0 0 rg BT 191.61 596.10 Td (that ) Tj ET Q q 0 0 0 rg BT 215.85 596.10 Td (would ) Tj ET Q q 0 0 0 rg BT 251.43 596.10 Td (be ) Tj ET Q q 0 0 0 rg BT 269.00 596.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 316.58 596.10 Td (if ) Tj ET Q q 0 0 0 rg BT 326.80 596.10 Td (an ) Tj ET Q q 0 0 0 rg BT 344.37 596.10 Td (obligor ) Tj ET Q q 0 0 0 rg BT 384.62 596.10 Td (were ) Tj ET Q q 0 0 0 rg BT 414.86 596.10 Td (to ) Tj ET Q q 0 0 0 rg BT 429.09 596.10 Td (default ) Tj ET Q q 0 0 0 rg BT 469.34 596.10 Td (within ) Tj ET Q q 0 0 0 rg BT 504.25 596.10 Td (a ) Tj ET Q q 0 0 0 rg BT 515.14 596.10 Td (one-year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 581.70 Td (horizon ) Tj ET Q q 0 0 0 rg BT 132.69 581.70 Td (over ) Tj ET Q q 0 0 0 rg BT 159.37 581.70 Td (a ) Tj ET Q q 0 0 0 rg BT 169.38 581.70 Td (mix ) Tj ET Q q 0 0 0 rg BT 191.37 581.70 Td (of ) Tj ET Q q 0 0 0 rg BT 204.71 581.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 259.41 581.70 Td (conditions; ) Tj ET Q q 0 0 0 rg BT 320.11 581.70 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 567.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 567.30 Td (an ) Tj ET Q q 0 0 0 rg BT 106.88 567.30 Td (empirically ) Tj ET Q q 0 0 0 rg BT 167.08 567.30 Td (based ) Tj ET Q q 0 0 0 rg BT 203.31 567.30 Td (best ) Tj ET Q q 0 0 0 rg BT 229.52 567.30 Td (estimate ) Tj ET Q q 0 0 0 rg BT 278.40 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 291.94 567.30 Td (the ) Tj ET Q q 0 0 0 rg BT 312.15 567.30 Td (economic ) Tj ET Q q 0 0 0 rg BT 367.04 567.30 Td (loss, ) Tj ET Q q 0 0 0 rg BT 395.24 567.30 Td (per ) Tj ET Q q 0 0 0 rg BT 416.11 567.30 Td (dollar ) Tj ET Q q 0 0 0 rg BT 448.99 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 462.53 567.30 Td (EAD ) Tj ET Q q 0 0 0 rg BT 490.73 567.30 Td (that ) Tj ET Q q 0 0 0 rg BT 514.28 567.30 Td (would ) Tj ET Q q 0 0 0 rg BT 549.16 567.30 Td (be ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 552.90 Td (incurred ) Tj ET Q q 0 0 0 rg BT 136.21 552.90 Td (if ) Tj ET Q q 0 0 0 rg BT 145.07 552.90 Td (an ) Tj ET Q q 0 0 0 rg BT 161.28 552.90 Td (obligor ) Tj ET Q q 0 0 0 rg BT 200.17 552.90 Td (were ) Tj ET Q q 0 0 0 rg BT 229.04 552.90 Td (to ) Tj ET Q q 0 0 0 rg BT 241.90 552.90 Td (default ) Tj ET Q q 0 0 0 rg BT 280.79 552.90 Td (within ) Tj ET Q q 0 0 0 rg BT 314.33 552.90 Td (a ) Tj ET Q q 0 0 0 rg BT 323.87 552.90 Td (one-year ) Tj ET Q q 0 0 0 rg BT 374.09 552.90 Td (horizon ) Tj ET Q q 0 0 0 rg BT 416.31 552.90 Td (during ) Tj ET Q q 0 0 0 rg BT 452.53 552.90 Td (a ) Tj ET Q q 0 0 0 rg BT 462.06 552.90 Td (period ) Tj ET Q q 0 0 0 rg BT 498.28 552.90 Td (of ) Tj ET Q q 0 0 0 rg BT 511.15 552.90 Td (economic ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 538.50 Td (downturn.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (PD, ) Tj ET Q q 0 0 0 rg BT 78.43 509.70 Td (EAD ) Tj ET Q q 0 0 0 rg BT 107.54 509.70 Td (and ) Tj ET Q q 0 0 0 rg BT 131.99 509.70 Td (LGD ) Tj ET Q q 0 0 0 rg BT 161.09 509.70 Td (parameter ) Tj ET Q q 0 0 0 rg BT 220.21 509.70 Td (values ) Tj ET Q q 0 0 0 rg BT 259.33 509.70 Td (are ) Tj ET Q q 0 0 0 rg BT 281.10 509.70 Td (estimated ) Tj ET Q q 0 0 0 rg BT 337.56 509.70 Td (using ) Tj ET Q q 0 0 0 rg BT 370.68 509.70 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 436.48 509.70 Td (analysis ) Tj ET Q q 0 0 0 rg BT 484.27 509.70 Td (of ) Tj ET Q q 0 0 0 rg BT 498.70 509.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 542.49 509.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (external ) Tj ET Q q 0 0 0 rg BT 104.84 495.30 Td (data, ) Tj ET Q q 0 0 0 rg BT 139.67 495.30 Td (informed ) Tj ET Q q 0 0 0 rg BT 194.50 495.30 Td (by ) Tj ET Q q 0 0 0 rg BT 215.32 495.30 Td (a ) Tj ET Q q 0 0 0 rg BT 230.14 495.30 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 292.32 495.30 Td (assessment ) Tj ET Q q 0 0 0 rg BT 364.49 495.30 Td (based ) Tj ET Q q 0 0 0 rg BT 405.33 495.30 Td (on ) Tj ET Q q 0 0 0 rg BT 426.82 495.30 Td (business ) Tj ET Q q 0 0 0 rg BT 482.33 495.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 528.49 495.30 Td (matter ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (expertise.) Tj ET Q q 0 0 0 rg BT 109.14 480.90 Td (The ) Tj ET Q q 0 0 0 rg BT 135.00 480.90 Td (parameter ) Tj ET Q q 0 0 0 rg BT 194.88 480.90 Td (estimation ) Tj ET Q q 0 0 0 rg BT 254.75 480.90 Td (\(quantification\) ) Tj ET Q q 0 0 0 rg BT 338.64 480.90 Td (process ) Tj ET Q q 0 0 0 rg BT 385.84 480.90 Td (is ) Tj ET Q q 0 0 0 rg BT 399.69 480.90 Td (conducted ) Tj ET Q q 0 0 0 rg BT 460.24 480.90 Td (in ) Tj ET Q q 0 0 0 rg BT 474.77 480.90 Td (four ) Tj ET Q q 0 0 0 rg BT 500.63 480.90 Td (phases: ) Tj ET Q q 0 0 0 rg BT 547.84 480.90 Td (\(1\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (research ) Tj ET Q q 0 0 0 rg BT 104.43 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 128.19 466.50 Td (exploratory ) Tj ET Q q 0 0 0 rg BT 191.29 466.50 Td (data ) Tj ET Q q 0 0 0 rg BT 218.39 466.50 Td (analysis; ) Tj ET Q q 0 0 0 rg BT 268.82 466.50 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 287.22 466.50 Td (detailed ) Tj ET Q q 0 0 0 rg BT 333.00 466.50 Td (data ) Tj ET Q q 0 0 0 rg BT 360.10 466.50 Td (analytics ) Tj ET Q q 0 0 0 rg BT 410.52 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 434.29 466.50 Td (modeling; ) Tj ET Q q 0 0 0 rg BT 490.06 466.50 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 508.46 466.50 Td (qualitative ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 121.36 452.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.70 452.10 Td (results ) Tj ET Q q 0 0 0 rg BT 173.38 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.73 452.10 Td (recommendations; ) Tj ET Q q 0 0 0 rg BT 298.78 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.14 452.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 340.14 452.10 Td (formal ) Tj ET Q q 0 0 0 rg BT 376.81 452.10 Td (review ) Tj ET Q q 0 0 0 rg BT 414.82 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.18 452.10 Td (approval. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (Data ) Tj ET Q q 0 0 0 rg BT 81.05 423.30 Td (used ) Tj ET Q q 0 0 0 rg BT 108.78 423.30 Td (for ) Tj ET Q q 0 0 0 rg BT 124.49 423.30 Td (estimation ) Tj ET Q q 0 0 0 rg BT 180.89 423.30 Td (and ) Tj ET Q q 0 0 0 rg BT 202.62 423.30 Td (validation ) Tj ET Q q 0 0 0 rg BT 255.02 423.30 Td (of ) Tj ET Q q 0 0 0 rg BT 266.74 423.30 Td (PD, ) Tj ET Q q 0 0 0 rg BT 288.45 423.30 Td (EAD ) Tj ET Q q 0 0 0 rg BT 314.83 423.30 Td (and ) Tj ET Q q 0 0 0 rg BT 336.55 423.30 Td (LGD ) Tj ET Q q 0 0 0 rg BT 362.93 423.30 Td (parameters ) Tj ET Q q 0 0 0 rg BT 425.33 423.30 Td (comes ) Tj ET Q q 0 0 0 rg BT 462.38 423.30 Td (from ) Tj ET Q q 0 0 0 rg BT 488.09 423.30 Td (three ) Tj ET Q q 0 0 0 rg BT 517.15 423.30 Td (sources: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 394.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 394.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 132.69 394.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.37 394.50 Td (defaults ) Tj ET Q q 0 0 0 rg BT 210.73 394.50 Td (and ) Tj ET Q q 0 0 0 rg BT 234.09 394.50 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 292.78 394.50 Td (experienced ) Tj ET Q q 0 0 0 rg BT 361.49 394.50 Td (by ) Tj ET Q q 0 0 0 rg BT 377.50 394.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 427.30 394.50 Td (T) Tj ET Q q 0 0 0 rg BT 434.19 394.50 Td (rust;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 380.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 380.10 Td (external ) Tj ET Q q 0 0 0 rg BT 137.63 380.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 171.90 380.10 Td (default ) Tj ET Q q 0 0 0 rg BT 212.87 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.82 380.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 288.77 380.10 Td (data ) Tj ET Q q 0 0 0 rg BT 317.06 380.10 Td (for ) Tj ET Q q 0 0 0 rg BT 336.00 380.10 Td (comparative ) Tj ET Q q 0 0 0 rg BT 406.29 380.10 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 470.59 380.10 Td (data ) Tj ET Q q 0 0 0 rg BT 498.88 380.10 Td (\(not ) Tj ET Q q 0 0 0 rg BT 524.49 380.10 Td (directly ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 365.70 Td (combined ) Tj ET Q q 0 0 0 rg BT 145.37 365.70 Td (with ) Tj ET Q q 0 0 0 rg BT 170.04 365.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 212.73 365.70 Td (default ) Tj ET Q q 0 0 0 rg BT 252.09 365.70 Td (history\); ) Tj ET Q q 0 0 0 rg BT 298.10 365.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 351.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 351.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 135.35 351.30 Td (studies ) Tj ET Q q 0 0 0 rg BT 176.71 351.30 Td (and ) Tj ET Q q 0 0 0 rg BT 200.06 351.30 Td (academic ) Tj ET Q q 0 0 0 rg BT 254.75 351.30 Td (works ) Tj ET Q q 0 0 0 rg BT 289.42 351.30 Td (related ) Tj ET Q q 0 0 0 rg BT 329.45 351.30 Td (to ) Tj ET Q q 0 0 0 rg BT 342.79 351.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 375.47 351.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 397.46 351.30 Td (and ) Tj ET Q q 0 0 0 rg BT 420.82 351.30 Td (defaults. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (Control ) Tj ET Q q 0 0 0 rg BT 96.02 322.50 Td (Mechanisms) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (Independent ) Tj ET Q q 0 0 0 rg BT 123.99 293.70 Td (oversight ) Tj ET Q q 0 0 0 rg BT 175.93 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 199.21 293.70 Td (review ) Tj ET Q q 0 0 0 rg BT 237.14 293.70 Td (of ) Tj ET Q q 0 0 0 rg BT 250.40 293.70 Td (the ) Tj ET Q q 0 0 0 rg BT 270.34 293.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 312.95 293.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 334.87 293.70 Td (rating ) Tj ET Q q 0 0 0 rg BT 368.14 293.70 Td (system ) Tj ET Q q 0 0 0 rg BT 409.40 293.70 Td (is ) Tj ET Q q 0 0 0 rg BT 421.32 293.70 Td (provided ) Tj ET Q q 0 0 0 rg BT 470.60 293.70 Td (by ) Tj ET Q q 0 0 0 rg BT 485.88 293.70 Td (Audit ) Tj ET Q q 0 0 0 rg BT 516.49 293.70 Td (Services ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 76.09 279.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 101.49 279.30 Td (Control ) Tj ET Q q 0 0 0 rg BT 142.24 279.30 Td (as ) Tj ET Q q 0 0 0 rg BT 156.99 279.30 Td (described ) Tj ET Q q 0 0 0 rg BT 211.09 279.30 Td (in ) Tj ET Q q 0 0 0 rg BT 222.50 279.30 Td (Independent ) Tj ET Q q 0 0 0 rg BT 291.30 279.30 Td (Review ) Tj ET Q q 0 0 0 rg BT 332.71 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 354.80 279.30 Td (V) Tj ET Q q 0 0 0 rg BT 362.14 279.30 Td (erification ) Tj ET Q q 0 0 0 rg BT 415.57 279.30 Td (within ) Tj ET Q q 0 0 0 rg BT 448.32 279.30 Td (the ) Tj ET Q q 0 0 0 rg BT 467.07 279.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 492.47 279.30 Td (Management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (Overview ) Tj ET Q q 0 0 0 rg BT 107.34 264.90 Td (section. ) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (21 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 77.69 711.30 Td (following ) Tj ET Q q 0 0 0 rg BT 127.39 711.30 Td (table ) Tj ET Q q 0 0 0 rg BT 156.42 711.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 204.79 711.30 Td (a ) Tj ET Q q 0 0 0 rg BT 214.48 711.30 Td (distribution ) Tj ET Q q 0 0 0 rg BT 275.52 711.30 Td (of ) Tj ET Q q 0 0 0 rg BT 288.53 711.30 Td (EAD, ) Tj ET Q q 0 0 0 rg BT 319.55 711.30 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 357.99 711.30 Td (eighted ) Tj ET Q q 0 0 0 rg BT 399.77 711.30 Td (Assets, ) Tj ET Q q 0 0 0 rg BT 442.13 711.30 Td (W) Tj ET Q q 0 0 0 rg BT 453.24 711.30 Td (eighted ) Tj ET Q q 0 0 0 rg BT 495.02 711.30 Td (A) Tj ET Q q 0 0 0 rg BT 502.81 711.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 542.51 711.30 Td (PD, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (W) Tj ET Q q 0 0 0 rg BT 65.11 696.90 Td (eighted ) Tj ET Q q 0 0 0 rg BT 108.21 696.90 Td (A) Tj ET Q q 0 0 0 rg BT 116.00 696.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 157.34 696.90 Td (LGD, ) Tj ET Q q 0 0 0 rg BT 190.01 696.90 Td (W) Tj ET Q q 0 0 0 rg BT 201.12 696.90 Td (eighted ) Tj ET Q q 0 0 0 rg BT 244.22 696.90 Td (A) Tj ET Q q 0 0 0 rg BT 252.00 696.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 293.35 696.90 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 331.79 696.90 Td (eights ) Tj ET Q q 0 0 0 rg BT 368.47 696.90 Td (and ) Tj ET Q q 0 0 0 rg BT 393.14 696.90 Td (Unfunded ) Tj ET Q q 0 0 0 rg BT 449.84 696.90 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 528.51 696.90 Td (by ) Tj ET Q q 0 0 0 rg BT 545.84 696.90 Td (PD ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (ranges ) Tj ET Q q 0 0 0 rg BT 94.03 682.50 Td (as ) Tj ET Q q 0 0 0 rg BT 110.03 682.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 123.38 682.50 Td (March31, ) Tj ET Q q 0 0 0 rg BT 180.06 682.50 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 206.76 682.50 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 653.70 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 653.70 Td (13: ) Tj ET Q q 0 0 0 rg BT 108.46 653.70 Td (Probability ) Tj ET Q q 0 0 0 rg BT 173.81 653.70 Td (of ) Tj ET Q q 0 0 0 rg BT 188.47 653.70 Td (Default ) Tj ET Q q 0 0 0 rg BT 232.47 653.70 Td (Ranges ) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 643.20 154.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 207.25 643.20 355.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 628.20 58.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 111.25 628.20 4.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 115.25 628.20 92.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 207.25 628.20 56.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 263.25 628.20 58.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 321.25 628.20 56.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 377.25 628.20 55.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 432.25 628.20 57.00 -41.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 489.25 628.20 73.00 -41.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 643.2 m 53.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 643.2 m 111.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 628.2 m 111.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.25 643.2 m 115.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.25 628.2 m 115.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.25 643.2 m 161.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.25 628.2 m 161.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 643.2 m 207.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 628.2 m 207.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.25 643.2 m 214.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.25 628.2 m 214.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 643.2 m 263.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 628.2 m 263.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.25 643.2 m 272.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.25 628.2 m 272.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 643.2 m 321.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 628.2 m 321.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 643.2 m 329.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 628.2 m 329.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 643.2 m 377.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 628.2 m 377.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.25 643.2 m 386.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.25 628.2 m 386.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 643.2 m 432.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 628.2 m 432.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 643.2 m 441.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 628.2 m 441.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 643.2 m 489.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 628.2 m 489.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 643.2 m 498.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 628.2 m 498.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 643.2 m 543.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 628.2 m 543.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 643.2 m 562.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543.25 643.2 m 562.25 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543.25 628.2 m 562.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 628.2 m 53.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 628.2 m 111.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 587.2 m 111.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.25 628.2 m 115.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.25 587.2 m 115.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.25 628.2 m 161.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.25 587.2 m 161.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 628.2 m 207.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 587.2 m 207.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.25 628.2 m 214.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.25 587.2 m 214.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 628.2 m 263.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 587.2 m 263.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.25 628.2 m 272.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.25 587.2 m 272.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 628.2 m 321.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 587.2 m 321.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 628.2 m 329.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 587.2 m 329.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 628.2 m 377.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 587.2 m 377.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.25 628.2 m 386.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.25 587.2 m 386.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 628.2 m 432.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 587.2 m 432.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 628.2 m 441.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 587.2 m 441.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 628.2 m 489.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 587.2 m 489.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 628.2 m 498.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 587.2 m 498.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 628.2 m 543.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 587.2 m 543.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 628.2 m 562.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543.25 628.2 m 562.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543.25 587.2 m 562.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 587.2 m 53.25 572.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 587.2 m 263.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 587.2 m 321.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 587.2 m 377.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 587.2 m 432.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 587.2 m 489.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 587.2 m 543.25 587.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 587.2 m 562.25 572.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 572.2 m 53.25 558.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 572.2 m 562.25 558.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 558.2 m 53.25 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 558.2 m 562.25 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 544.2 m 53.25 530.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 544.2 m 562.25 530.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 530.2 m 53.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 530.2 m 562.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 516.2 m 53.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 516.2 m 562.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 502.2 m 53.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 502.2 m 111.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 488.2 m 111.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.25 502.2 m 115.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.25 488.2 m 115.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.25 502.2 m 161.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.25 488.2 m 161.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 502.2 m 207.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 488.2 m 207.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.25 502.2 m 214.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.25 488.2 m 214.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 502.2 m 263.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.25 488.2 m 263.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.25 502.2 m 272.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.25 488.2 m 272.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 502.2 m 321.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 488.2 m 321.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 502.2 m 329.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 488.2 m 329.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 502.2 m 377.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.25 488.2 m 377.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.25 502.2 m 386.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.25 488.2 m 386.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 502.2 m 432.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.25 488.2 m 432.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 502.2 m 441.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 488.2 m 441.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 502.2 m 489.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 488.2 m 489.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 502.2 m 498.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 488.2 m 498.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 502.2 m 543.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.25 488.2 m 543.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 502.2 m 562.25 488.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543.25 502.2 m 562.25 502.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543.25 488.2 m 562.25 488.2 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 55.75 632.82 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 632.82 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 137.65 591.82 Td (PD Range) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 239.15 601.82 Td (EAD ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.25 591.82 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 298.30 618.42 Td (Risk ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.65 608.42 Td (W) Tj ET Q q 0 0 0 rg BT 284.91 608.42 Td (eighted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.70 598.42 Td (Assets ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.50 588.47 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 307.96 593.24 Td ( \(a\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 331.65 611.82 Td (W) Tj ET Q q 0 0 0 rg BT 340.91 611.82 Td (eighted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.45 601.82 Td ( ) Tj ET Q q 0 0 0 rg BT 336.68 601.82 Td (A) Tj ET Q q 0 0 0 rg BT 343.17 601.82 Td (verage ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.85 591.82 Td (PD) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 611.82 Td (W) Tj ET Q q 0 0 0 rg BT 395.91 611.82 Td (eighted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.45 601.82 Td ( ) Tj ET Q q 0 0 0 rg BT 391.68 601.82 Td (A) Tj ET Q q 0 0 0 rg BT 398.17 601.82 Td (verage ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 591.82 Td (LGD) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.65 618.42 Td (W) Tj ET Q q 0 0 0 rg BT 453.00 618.42 Td (eighted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.65 608.42 Td (A) Tj ET Q q 0 0 0 rg BT 455.23 608.42 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.95 598.42 Td (Risk-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.80 588.47 Td (W) Tj ET Q q 0 0 0 rg BT 464.15 588.47 Td (eight) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.35 601.82 Td (Unfunded) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 497.05 591.82 Td (Commitments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 576.82 Td (Wholesale) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 138.40 576.82 Td ( 0% to <0.15%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.75 576.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.75 576.82 Td (91,864) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.75 576.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.35 576.82 Td (7,183) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.35 576.82 Td (0.03) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 576.82 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.80 576.82 Td (31.09) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.85 576.82 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.35 576.82 Td (7.82) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.85 576.82 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.75 576.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.35 576.82 Td (8,873) Tj ET Q BT /F2 6.50 Tf ET q 0 0 0 rg BT 545.75 582.27 Td (\(b\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.50 562.42 Td ( 0.15% to <0.50%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.75 562.42 Td (40,521) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.80 562.47 Td (14,564) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.35 562.42 Td (0.23) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 562.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.80 562.42 Td (44.08) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.85 562.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.80 562.42 Td (35.94) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.85 562.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.80 562.42 Td (15,555) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.50 548.42 Td ( 0.50% to <1.35%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.75 548.42 Td (10,766) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.35 548.42 Td (8,563) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.35 548.42 Td (0.79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 548.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.80 548.42 Td (40.62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.85 548.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.80 548.42 Td (79.53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.85 548.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.35 548.42 Td (3,026) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.70 534.42 Td (1.35% to <10.00%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.35 534.47 Td (8,950) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.35 534.42 Td (9,288) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.35 534.42 Td (2.86) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 534.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.80 534.42 Td (36.86) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.85 534.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 534.42 Td (103.79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.85 534.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.35 534.42 Td (1,129) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.50 520.42 Td (10.00% to <100%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.70 520.42 Td (132) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.70 520.42 Td (269) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.80 520.42 Td (27.64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 520.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.80 520.42 Td (37.07) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.85 520.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 520.42 Td (203.48) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.85 520.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 528.25 520.42 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.55 506.42 Td ( <100%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.70 506.42 Td (202) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.70 506.42 Td (202) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.25 506.42 Td (100.00) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 506.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.80 506.42 Td (31.59) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.85 506.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 506.42 Td (100.00) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.85 506.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.80 506.42 Td (2) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 55.75 492.42 Td (T) Tj ET Q q 0 0 0 rg BT 61.12 492.42 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 121.95 492.42 Td (0.0% to <100.0%) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 216.75 492.42 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 223.25 492.47 Td (152,435) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 274.75 492.42 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 286.80 492.47 Td (40,069) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 348.35 492.42 Td (0.46) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 367.85 492.42 Td (%) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 397.80 492.42 Td (35.56) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 422.85 492.42 Td (%) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 454.80 492.42 Td (26.29) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 479.85 492.42 Td (%) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 500.75 492.42 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 508.80 492.42 Td (28,606) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 470.70 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 69.00 470.70 Td (Represents ) Tj ET Q q 0 0 0 rg BT 122.92 470.70 Td (unscaled ) Tj ET Q q 0 0 0 rg BT 165.72 470.70 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 227.41 470.70 Td (assets.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 458.70 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 69.00 458.70 Td (Includes ) Tj ET Q q 0 0 0 rg BT 109.02 458.70 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 153.51 458.70 Td (commitments ) Tj ET Q q 0 0 0 rg BT 215.74 458.70 Td (without ) Tj ET Q q 0 0 0 rg BT 250.21 458.70 Td (a ) Tj ET Q q 0 0 0 rg BT 258.55 458.70 Td (specific ) Tj ET Q q 0 0 0 rg BT 294.67 458.70 Td (PD ) Tj ET Q q 0 0 0 rg BT 311.34 458.70 Td (range.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 429.90 Td (Counterparty ) Tj ET Q q 0 0 0 rg BT 131.25 429.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 167.82 429.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 195.08 429.90 Td (of ) Tj ET Q q 0 0 0 rg BT 208.31 429.90 Td (OTC ) Tj ET Q q 0 0 0 rg BT 235.54 429.90 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 294.82 429.90 Td (Contracts, ) Tj ET Q q 0 0 0 rg BT 356.07 429.90 Td (Repo-Style ) Tj ET Q q 0 0 0 rg BT 420.65 429.90 Td (T) Tj ET Q q 0 0 0 rg BT 427.32 429.90 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 496.59 429.90 Td (and ) Tj ET Q q 0 0 0 rg BT 519.83 429.90 Td (Eligible ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 415.50 Td (Margin ) Tj ET Q q 0 0 0 rg BT 96.67 415.50 Td (Loans) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 386.70 Td (Counterparty ) Tj ET Q q 0 0 0 rg BT 128.14 386.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 162.25 386.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 185.69 386.70 Td (for ) Tj ET Q q 0 0 0 rg BT 204.46 386.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 255.61 386.70 Td (T) Tj ET Q q 0 0 0 rg BT 262.49 386.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 287.26 386.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 337.37 386.70 Td (arises ) Tj ET Q q 0 0 0 rg BT 374.15 386.70 Td (from ) Tj ET Q q 0 0 0 rg BT 402.92 386.70 Td (a ) Tj ET Q q 0 0 0 rg BT 414.36 386.70 Td (variety ) Tj ET Q q 0 0 0 rg BT 454.48 386.70 Td (of ) Tj ET Q q 0 0 0 rg BT 469.25 386.70 Td (funding, ) Tj ET Q q 0 0 0 rg BT 516.73 386.70 Td (treasury) Tj ET Q q 0 0 0 rg BT 559.18 386.70 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 372.30 Td (trading ) Tj ET Q q 0 0 0 rg BT 94.72 372.30 Td (and ) Tj ET Q q 0 0 0 rg BT 118.76 372.30 Td (custody-related ) Tj ET Q q 0 0 0 rg BT 204.83 372.30 Td (activities, ) Tj ET Q q 0 0 0 rg BT 258.20 372.30 Td (including ) Tj ET Q q 0 0 0 rg BT 309.59 372.30 Td (OTC ) Tj ET Q q 0 0 0 rg BT 338.95 372.30 Td (currency ) Tj ET Q q 0 0 0 rg BT 388.99 372.30 Td (and ) Tj ET Q q 0 0 0 rg BT 413.03 372.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 456.41 372.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 481.11 372.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 542.49 372.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 357.90 Td (from ) Tj ET Q q 0 0 0 rg BT 81.96 357.90 Td (indemnified ) Tj ET Q q 0 0 0 rg BT 147.29 357.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 201.93 357.90 Td (lending ) Tj ET Q q 0 0 0 rg BT 244.59 357.90 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 316.58 357.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 352.55 357.90 Td (exposure ) Tj ET Q q 0 0 0 rg BT 405.88 357.90 Td (to ) Tj ET Q q 0 0 0 rg BT 419.84 357.90 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 499.85 357.90 Td (is ) Tj ET Q q 0 0 0 rg BT 512.47 357.90 Td (managed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 343.50 Td (by ) Tj ET Q q 0 0 0 rg BT 70.01 343.50 Td (use ) Tj ET Q q 0 0 0 rg BT 92.69 343.50 Td (of ) Tj ET Q q 0 0 0 rg BT 106.03 343.50 Td (a ) Tj ET Q q 0 0 0 rg BT 116.04 343.50 Td (framework ) Tj ET Q q 0 0 0 rg BT 175.38 343.50 Td (for ) Tj ET Q q 0 0 0 rg BT 192.72 343.50 Td (setting ) Tj ET Q q 0 0 0 rg BT 231.41 343.50 Td (limits ) Tj ET Q q 0 0 0 rg BT 262.07 343.50 Td (by ) Tj ET Q q 0 0 0 rg BT 278.08 343.50 Td (product ) Tj ET Q q 0 0 0 rg BT 321.44 343.50 Td (type ) Tj ET Q q 0 0 0 rg BT 347.46 343.50 Td (and ) Tj ET Q q 0 0 0 rg BT 370.81 343.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 423.51 343.50 Td (tenor) Tj ET Q q 0 0 0 rg BT 450.20 343.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 329.10 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 314.70 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 109.37 314.70 Td (and ) Tj ET Q q 0 0 0 rg BT 132.72 314.70 Td (Measurement ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 285.90 Td (T) Tj ET Q q 0 0 0 rg BT 60.00 285.90 Td (o ) Tj ET Q q 0 0 0 rg BT 73.99 285.90 Td (calculate ) Tj ET Q q 0 0 0 rg BT 128.67 285.90 Td (exposure, ) Tj ET Q q 0 0 0 rg BT 188.69 285.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 242.22 285.90 Td (T) Tj ET Q q 0 0 0 rg BT 249.10 285.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 276.43 285.90 Td (treats ) Tj ET Q q 0 0 0 rg BT 313.76 285.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 381.11 285.90 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 455.13 285.90 Td (reverse ) Tj ET Q q 0 0 0 rg BT 502.46 285.90 Td (repurchase ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 271.50 Td (agreements ) Tj ET Q q 0 0 0 rg BT 121.32 271.50 Td (and ) Tj ET Q q 0 0 0 rg BT 145.30 271.50 Td (indemnified ) Tj ET Q q 0 0 0 rg BT 210.62 271.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 265.26 271.50 Td (lending ) Tj ET Q q 0 0 0 rg BT 307.91 271.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 376.56 271.50 Td (as ) Tj ET Q q 0 0 0 rg BT 393.19 271.50 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 449.83 271.50 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 521.81 271.50 Td (Foreign ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 257.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 111.48 257.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 172.29 257.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.75 257.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 242.54 257.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 268.66 257.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 331.46 257.10 Td (are ) Tj ET Q q 0 0 0 rg BT 354.24 257.10 Td (treated ) Tj ET Q q 0 0 0 rg BT 397.04 257.10 Td (as ) Tj ET Q q 0 0 0 rg BT 415.16 257.10 Td (OTC ) Tj ET Q q 0 0 0 rg BT 445.93 257.10 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 511.71 257.10 Td (The ) Tj ET Q q 0 0 0 rg BT 537.82 257.10 Td (EAD ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 242.70 Td (measurement ) Tj ET Q q 0 0 0 rg BT 131.32 242.70 Td (methodology ) Tj ET Q q 0 0 0 rg BT 204.00 242.70 Td (for ) Tj ET Q q 0 0 0 rg BT 221.96 242.70 Td (each ) Tj ET Q q 0 0 0 rg BT 251.94 242.70 Td (eligible ) Tj ET Q q 0 0 0 rg BT 293.26 242.70 Td (type ) Tj ET Q q 0 0 0 rg BT 319.90 242.70 Td (of ) Tj ET Q q 0 0 0 rg BT 333.87 242.70 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 404.53 242.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 437.83 242.70 Td (exposure, ) Tj ET Q q 0 0 0 rg BT 494.49 242.70 Td (including ) Tj ET Q q 0 0 0 rg BT 545.81 242.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 228.30 Td (use ) Tj ET Q q 0 0 0 rg BT 76.80 228.30 Td (of ) Tj ET Q q 0 0 0 rg BT 90.26 228.30 Td (netting ) Tj ET Q q 0 0 0 rg BT 129.75 228.30 Td (and ) Tj ET Q q 0 0 0 rg BT 153.22 228.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 204.70 228.30 Td (as ) Tj ET Q q 0 0 0 rg BT 220.83 228.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 242.95 228.30 Td (mitigants, ) Tj ET Q q 0 0 0 rg BT 297.75 228.30 Td (is ) Tj ET Q q 0 0 0 rg BT 309.87 228.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 373.36 228.30 Td (based ) Tj ET Q q 0 0 0 rg BT 409.51 228.30 Td (on ) Tj ET Q q 0 0 0 rg BT 426.32 228.30 Td (operational ) Tj ET Q q 0 0 0 rg BT 489.15 228.30 Td (requirements, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 213.90 Td (the ) Tj ET Q q 0 0 0 rg BT 74.02 213.90 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 154.04 213.90 Td (of ) Tj ET Q q 0 0 0 rg BT 167.38 213.90 Td (the ) Tj ET Q q 0 0 0 rg BT 187.39 213.90 Td (contract ) Tj ET Q q 0 0 0 rg BT 233.41 213.90 Td (type ) Tj ET Q q 0 0 0 rg BT 259.43 213.90 Td (and ) Tj ET Q q 0 0 0 rg BT 282.79 213.90 Td (the ) Tj ET Q q 0 0 0 rg BT 302.80 213.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 348.83 213.90 Td (size ) Tj ET Q q 0 0 0 rg BT 373.50 213.90 Td (and ) Tj ET Q q 0 0 0 rg BT 396.86 213.90 Td (complexity) Tj ET Q q 0 0 0 rg BT 452.65 213.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 185.10 Td (Repo-style ) Tj ET Q q 0 0 0 rg BT 114.69 185.10 Td (T) Tj ET Q q 0 0 0 rg BT 121.13 185.10 Td (ransactions ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 156.30 Td (The ) Tj ET Q q 0 0 0 rg BT 78.32 156.30 Td (Current ) Tj ET Q q 0 0 0 rg BT 121.98 156.30 Td (Exposure ) Tj ET Q q 0 0 0 rg BT 176.32 156.30 Td (Method ) Tj ET Q q 0 0 0 rg BT 219.98 156.30 Td (with ) Tj ET Q q 0 0 0 rg BT 244.97 156.30 Td (the ) Tj ET Q q 0 0 0 rg BT 265.29 156.30 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 319.62 156.30 Td (Haircut ) Tj ET Q q 0 0 0 rg BT 360.55 156.30 Td (Approach ) Tj ET Q q 0 0 0 rg BT 415.57 156.30 Td (is ) Tj ET Q q 0 0 0 rg BT 427.88 156.30 Td (used ) Tj ET Q q 0 0 0 rg BT 457.54 156.30 Td (to ) Tj ET Q q 0 0 0 rg BT 471.19 156.30 Td (estimate ) Tj ET Q q 0 0 0 rg BT 520.19 156.30 Td (EAD ) Tj ET Q q 0 0 0 rg BT 548.50 156.30 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 141.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 118.51 141.90 Td (agreements ) Tj ET Q q 0 0 0 rg BT 186.34 141.90 Td (and ) Tj ET Q q 0 0 0 rg BT 210.84 141.90 Td (reverse ) Tj ET Q q 0 0 0 rg BT 255.32 141.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 319.83 141.90 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 391.00 141.90 Td (whereby ) Tj ET Q q 0 0 0 rg BT 440.83 141.90 Td (exposure ) Tj ET Q q 0 0 0 rg BT 494.66 141.90 Td (amounts ) Tj ET Q q 0 0 0 rg BT 545.16 141.90 Td (are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 127.50 Td (summed ) Tj ET Q q 0 0 0 rg BT 102.80 127.50 Td (with ) Tj ET Q q 0 0 0 rg BT 126.93 127.50 Td (potential ) Tj ET Q q 0 0 0 rg BT 175.08 127.50 Td (future ) Tj ET Q q 0 0 0 rg BT 208.56 127.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 260.71 127.50 Td (\(price ) Tj ET Q q 0 0 0 rg BT 293.50 127.50 Td (volatility\) ) Tj ET Q q 0 0 0 rg BT 342.96 127.50 Td (and ) Tj ET Q q 0 0 0 rg BT 365.77 127.50 Td (then ) Tj ET Q q 0 0 0 rg BT 391.92 127.50 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 440.07 127.50 Td (to ) Tj ET Q q 0 0 0 rg BT 452.87 127.50 Td (account ) Tj ET Q q 0 0 0 rg BT 497.68 127.50 Td (for ) Tj ET Q q 0 0 0 rg BT 514.47 127.50 Td (collateral ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 113.10 Td (held ) Tj ET Q q 0 0 0 rg BT 79.86 113.10 Td (as ) Tj ET Q q 0 0 0 rg BT 95.71 113.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 150.91 113.10 Td (using ) Tj ET Q q 0 0 0 rg BT 182.77 113.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 232.65 113.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 297.17 113.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 348.37 113.10 Td (haircuts. ) Tj ET Q q 0 0 0 rg BT 396.90 113.10 Td (Repo-style ) Tj ET Q q 0 0 0 rg BT 457.43 113.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 525.30 113.10 Td (are ) Tj ET Q q 0 0 0 rg BT 545.82 113.10 Td (not ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 98.70 Td (netted; ) Tj ET Q q 0 0 0 rg BT 94.03 98.70 Td (EAD ) Tj ET Q q 0 0 0 rg BT 122.04 98.70 Td (is ) Tj ET Q q 0 0 0 rg BT 134.04 98.70 Td (estimated ) Tj ET Q q 0 0 0 rg BT 189.40 98.70 Td (at ) Tj ET Q q 0 0 0 rg BT 202.74 98.70 Td (the ) Tj ET Q q 0 0 0 rg BT 222.76 98.70 Td (transaction ) Tj ET Q q 0 0 0 rg BT 284.79 98.70 Td (level. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 69.90 Td (The ) Tj ET Q q 0 0 0 rg BT 77.77 69.90 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 131.56 69.90 Td (Haircut ) Tj ET Q q 0 0 0 rg BT 172.05 69.90 Td (Approach ) Tj ET Q q 0 0 0 rg BT 226.51 69.90 Td (with ) Tj ET Q q 0 0 0 rg BT 250.94 69.90 Td (standard ) Tj ET Q q 0 0 0 rg BT 300.74 69.90 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 365.19 69.90 Td (haircuts ) Tj ET Q q 0 0 0 rg BT 410.30 69.90 Td (is ) Tj ET Q q 0 0 0 rg BT 422.06 69.90 Td (used ) Tj ET Q q 0 0 0 rg BT 451.18 69.90 Td (to ) Tj ET Q q 0 0 0 rg BT 464.28 69.90 Td (determine ) Tj ET Q q 0 0 0 rg BT 520.73 69.90 Td (EAD ) Tj ET Q q 0 0 0 rg BT 548.50 69.90 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 55.50 Td (indemnified ) Tj ET Q q 0 0 0 rg BT 119.55 55.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 174.41 55.50 Td (lending ) Tj ET Q q 0 0 0 rg BT 217.28 55.50 Td (and ) Tj ET Q q 0 0 0 rg BT 241.48 55.50 Td (indemnified ) Tj ET Q q 0 0 0 rg BT 307.03 55.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 371.24 55.50 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 443.45 55.50 Td (For ) Tj ET Q q 0 0 0 rg BT 465.62 55.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 505.82 55.50 Td (U.S-based ) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (22 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (counterparties, ) Tj ET Q q 0 0 0 rg BT 135.80 711.30 Td (indemnified ) Tj ET Q q 0 0 0 rg BT 199.59 711.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 252.70 711.30 Td (lending ) Tj ET Q q 0 0 0 rg BT 293.82 711.30 Td (exposures ) Tj ET Q q 0 0 0 rg BT 351.61 711.30 Td (are ) Tj ET Q q 0 0 0 rg BT 371.38 711.30 Td (netted ) Tj ET Q q 0 0 0 rg BT 407.16 711.30 Td (across ) Tj ET Q q 0 0 0 rg BT 444.93 711.30 Td (principal ) Tj ET Q q 0 0 0 rg BT 492.04 711.30 Td (lenders ) Tj ET Q q 0 0 0 rg BT 533.82 711.30 Td (when ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (aggregating ) Tj ET Q q 0 0 0 rg BT 123.36 696.90 Td (exposures ) Tj ET Q q 0 0 0 rg BT 184.71 696.90 Td (for ) Tj ET Q q 0 0 0 rg BT 204.69 696.90 Td (the ) Tj ET Q q 0 0 0 rg BT 227.35 696.90 Td (counterparty) Tj ET Q q 0 0 0 rg BT 293.16 696.90 Td (.) Tj ET Q q 0 0 0 rg BT 299.16 696.90 Td (As ) Tj ET Q q 0 0 0 rg BT 319.15 696.90 Td (netting ) Tj ET Q q 0 0 0 rg BT 361.15 696.90 Td (is ) Tj ET Q q 0 0 0 rg BT 375.79 696.90 Td (not ) Tj ET Q q 0 0 0 rg BT 398.45 696.90 Td (applicable ) Tj ET Q q 0 0 0 rg BT 458.47 696.90 Td (for ) Tj ET Q q 0 0 0 rg BT 478.45 696.90 Td (non-U.S.-based ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (counterparties, ) Tj ET Q q 0 0 0 rg BT 137.10 682.50 Td (those ) Tj ET Q q 0 0 0 rg BT 170.17 682.50 Td (exposures ) Tj ET Q q 0 0 0 rg BT 229.26 682.50 Td (are ) Tj ET Q q 0 0 0 rg BT 250.32 682.50 Td (estimated) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 302.35 682.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 306.07 682.50 Td (for ) Tj ET Q q 0 0 0 rg BT 323.79 682.50 Td (individual ) Tj ET Q q 0 0 0 rg BT 377.54 682.50 Td (principal ) Tj ET Q q 0 0 0 rg BT 425.95 682.50 Td (client ) Tj ET Q q 0 0 0 rg BT 457.68 682.50 Td (lenders ) Tj ET Q q 0 0 0 rg BT 500.76 682.50 Td (with ) Tj ET Q q 0 0 0 rg BT 525.82 682.50 Td (activity ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (to ) Tj ET Q q 0 0 0 rg BT 66.32 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.32 668.10 Td (given ) Tj ET Q q 0 0 0 rg BT 116.32 668.10 Td (counterparty) Tj ET Q q 0 0 0 rg BT 182.13 668.10 Td (.Indemnified ) Tj ET Q q 0 0 0 rg BT 253.16 668.10 Td (repo ) Tj ET Q q 0 0 0 rg BT 279.49 668.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 346.50 668.10 Td (are ) Tj ET Q q 0 0 0 rg BT 366.16 668.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 420.50 668.10 Td (at ) Tj ET Q q 0 0 0 rg BT 432.82 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.82 668.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 498.83 668.10 Td (client ) Tj ET Q q 0 0 0 rg BT 529.15 668.10 Td (lender ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (level ) Tj ET Q q 0 0 0 rg BT 82.01 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 105.37 653.70 Td (totaled ) Tj ET Q q 0 0 0 rg BT 144.73 653.70 Td (for ) Tj ET Q q 0 0 0 rg BT 162.07 653.70 Td (the ) Tj ET Q q 0 0 0 rg BT 182.09 653.70 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 252.12 653.70 Td (as ) Tj ET Q q 0 0 0 rg BT 268.13 653.70 Td (well.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (OTC ) Tj ET Q q 0 0 0 rg BT 82.66 624.90 Td (Derivatives ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (The ) Tj ET Q q 0 0 0 rg BT 78.34 596.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 122.02 596.10 Td (Exposure ) Tj ET Q q 0 0 0 rg BT 176.37 596.10 Td (Method ) Tj ET Q q 0 0 0 rg BT 220.06 596.10 Td (is ) Tj ET Q q 0 0 0 rg BT 232.39 596.10 Td (used ) Tj ET Q q 0 0 0 rg BT 262.08 596.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.75 596.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 324.76 596.10 Td (EAD ) Tj ET Q q 0 0 0 rg BT 353.10 596.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.76 596.10 Td (OTC ) Tj ET Q q 0 0 0 rg BT 399.76 596.10 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 464.11 596.10 Td (whereby ) Tj ET Q q 0 0 0 rg BT 513.13 596.10 Td (exposure ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (amounts ) Tj ET Q q 0 0 0 rg BT 107.02 581.70 Td (are ) Tj ET Q q 0 0 0 rg BT 131.35 581.70 Td (summed ) Tj ET Q q 0 0 0 rg BT 184.35 581.70 Td (\(recognizing ) Tj ET Q q 0 0 0 rg BT 256.71 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 280.39 581.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 323.41 581.70 Td (of ) Tj ET Q q 0 0 0 rg BT 340.40 581.70 Td (eligible ) Tj ET Q q 0 0 0 rg BT 384.75 581.70 Td (single ) Tj ET Q q 0 0 0 rg BT 423.10 581.70 Td (product ) Tj ET Q q 0 0 0 rg BT 470.11 581.70 Td (exposure ) Tj ET Q q 0 0 0 rg BT 526.47 581.70 Td (netting ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 130.42 567.30 Td (for ) Tj ET Q q 0 0 0 rg BT 146.81 567.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 185.21 567.30 Td (foreign ) Tj ET Q q 0 0 0 rg BT 224.29 567.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 278.71 567.30 Td (counterparties\) ) Tj ET Q q 0 0 0 rg BT 361.13 567.30 Td (with ) Tj ET Q q 0 0 0 rg BT 384.86 567.30 Td (potential ) Tj ET Q q 0 0 0 rg BT 432.61 567.30 Td (future ) Tj ET Q q 0 0 0 rg BT 465.68 567.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 517.43 567.30 Td (to ) Tj ET Q q 0 0 0 rg BT 529.82 567.30 Td (derive ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (the ) Tj ET Q q 0 0 0 rg BT 72.82 552.90 Td (total ) Tj ET Q q 0 0 0 rg BT 97.64 552.90 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 166.48 552.90 Td (exposure. ) Tj ET Q q 0 0 0 rg BT 220.89 552.90 Td (Although ) Tj ET Q q 0 0 0 rg BT 270.40 552.90 Td (collateral ) Tj ET Q q 0 0 0 rg BT 320.56 552.90 Td (in ) Tj ET Q q 0 0 0 rg BT 332.04 552.90 Td (the ) Tj ET Q q 0 0 0 rg BT 350.86 552.90 Td (form ) Tj ET Q q 0 0 0 rg BT 377.00 552.90 Td (of ) Tj ET Q q 0 0 0 rg BT 389.14 552.90 Td (a ) Tj ET Q q 0 0 0 rg BT 397.96 552.90 Td (lien ) Tj ET Q q 0 0 0 rg BT 418.77 552.90 Td (on ) Tj ET Q q 0 0 0 rg BT 434.26 552.90 Td (a ) Tj ET Q q 0 0 0 rg BT 443.07 552.90 Td (client) Tj ET Q q 0 0 0 rg BT 473.53 552.90 Td (s ) Tj ET Q q 0 0 0 rg BT 481.67 552.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 527.83 552.90 Td (assets ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (custodied ) Tj ET Q q 0 0 0 rg BT 108.41 538.50 Td (at ) Tj ET Q q 0 0 0 rg BT 121.47 538.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 171.00 538.50 Td (T) Tj ET Q q 0 0 0 rg BT 177.88 538.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 200.93 538.50 Td (often ) Tj ET Q q 0 0 0 rg BT 230.67 538.50 Td (serves ) Tj ET Q q 0 0 0 rg BT 269.05 538.50 Td (as ) Tj ET Q q 0 0 0 rg BT 284.77 538.50 Td (collateral ) Tj ET Q q 0 0 0 rg BT 335.84 538.50 Td (for ) Tj ET Q q 0 0 0 rg BT 352.89 538.50 Td (OTC ) Tj ET Q q 0 0 0 rg BT 381.26 538.50 Td (derivative ) Tj ET Q q 0 0 0 rg BT 435.67 538.50 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 506.74 538.50 Td (the ) Tj ET Q q 0 0 0 rg BT 526.47 538.50 Td (benefit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 67.34 524.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 118.70 524.10 Td (is ) Tj ET Q q 0 0 0 rg BT 130.70 524.10 Td (not ) Tj ET Q q 0 0 0 rg BT 150.71 524.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 183.40 524.10 Td (into ) Tj ET Q q 0 0 0 rg BT 206.09 524.10 Td (account ) Tj ET Q q 0 0 0 rg BT 251.45 524.10 Td (in ) Tj ET Q q 0 0 0 rg BT 264.12 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.14 524.10 Td (EAD ) Tj ET Q q 0 0 0 rg BT 312.15 524.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 360.83 524.10 Td (for ) Tj ET Q q 0 0 0 rg BT 378.17 524.10 Td (OTC ) Tj ET Q q 0 0 0 rg BT 406.83 524.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 461.53 524.10 Td (transactions.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 89.34 495.30 Td (Limits) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 89.23 466.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 141.81 466.50 Td (to ) Tj ET Q q 0 0 0 rg BT 155.04 466.50 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 234.30 466.50 Td (is ) Tj ET Q q 0 0 0 rg BT 246.18 466.50 Td (managed ) Tj ET Q q 0 0 0 rg BT 299.44 466.50 Td (by ) Tj ET Q q 0 0 0 rg BT 315.33 466.50 Td (use ) Tj ET Q q 0 0 0 rg BT 337.90 466.50 Td (of ) Tj ET Q q 0 0 0 rg BT 351.12 466.50 Td (a ) Tj ET Q q 0 0 0 rg BT 361.02 466.50 Td (framework ) Tj ET Q q 0 0 0 rg BT 420.24 466.50 Td (for ) Tj ET Q q 0 0 0 rg BT 437.47 466.50 Td (setting ) Tj ET Q q 0 0 0 rg BT 476.04 466.50 Td (limits ) Tj ET Q q 0 0 0 rg BT 506.59 466.50 Td (by ) Tj ET Q q 0 0 0 rg BT 522.48 466.50 Td (product ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (type ) Tj ET Q q 0 0 0 rg BT 80.02 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.37 452.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 156.07 452.10 Td (tenor) Tj ET Q q 0 0 0 rg BT 182.76 452.10 Td (. ) Tj ET Q q 0 0 0 rg BT 189.43 452.10 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 107.58 423.30 Td (Arrangements) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (T) Tj ET Q q 0 0 0 rg BT 60.00 394.50 Td (o ) Tj ET Q q 0 0 0 rg BT 72.35 394.50 Td (calculate ) Tj ET Q q 0 0 0 rg BT 125.39 394.50 Td (a ) Tj ET Q q 0 0 0 rg BT 137.75 394.50 Td (counterparty) Tj ET Q q 0 0 0 rg BT 206.90 394.50 Td (s ) Tj ET Q q 0 0 0 rg BT 218.58 394.50 Td (net ) Tj ET Q q 0 0 0 rg BT 240.94 394.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 275.96 394.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 300.31 394.50 Td (position, ) Tj ET Q q 0 0 0 rg BT 350.68 394.50 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 409.05 394.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 479.43 394.50 Td (and ) Tj ET Q q 0 0 0 rg BT 505.13 394.50 Td (associated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 104.52 380.10 Td (are ) Tj ET Q q 0 0 0 rg BT 124.36 380.10 Td (revalued ) Tj ET Q q 0 0 0 rg BT 172.88 380.10 Td (on ) Tj ET Q q 0 0 0 rg BT 188.72 380.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.89 380.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 225.06 380.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 258.91 380.10 Td (OTC ) Tj ET Q q 0 0 0 rg BT 286.73 380.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 328.58 380.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 351.75 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.26 380.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 422.77 380.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 482.62 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 505.14 380.10 Td (associated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 105.54 365.70 Td (positions ) Tj ET Q q 0 0 0 rg BT 156.41 365.70 Td (are ) Tj ET Q q 0 0 0 rg BT 177.27 365.70 Td (also ) Tj ET Q q 0 0 0 rg BT 202.79 365.70 Td (revalued ) Tj ET Q q 0 0 0 rg BT 252.34 365.70 Td (on ) Tj ET Q q 0 0 0 rg BT 269.20 365.70 Td (a ) Tj ET Q q 0 0 0 rg BT 279.39 365.70 Td (daily ) Tj ET Q q 0 0 0 rg BT 307.58 365.70 Td (basis, ) Tj ET Q q 0 0 0 rg BT 342.44 365.70 Td (though ) Tj ET Q q 0 0 0 rg BT 382.66 365.70 Td (no ) Tj ET Q q 0 0 0 rg BT 399.52 365.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 439.06 365.70 Td (for ) Tj ET Q q 0 0 0 rg BT 456.58 365.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 508.11 365.70 Td (is ) Tj ET Q q 0 0 0 rg BT 520.29 365.70 Td (taken ) Tj ET Q q 0 0 0 rg BT 553.16 365.70 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (the ) Tj ET Q q 0 0 0 rg BT 76.09 351.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 116.18 351.30 Td (estimation ) Tj ET Q q 0 0 0 rg BT 176.27 351.30 Td (for ) Tj ET Q q 0 0 0 rg BT 195.68 351.30 Td (these ) Tj ET Q q 0 0 0 rg BT 230.44 351.30 Td (products. ) Tj ET Q q 0 0 0 rg BT 285.21 351.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 322.62 351.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 385.38 351.30 Td (that ) Tj ET Q q 0 0 0 rg BT 410.81 351.30 Td (are ) Tj ET Q q 0 0 0 rg BT 433.55 351.30 Td (not ) Tj ET Q q 0 0 0 rg BT 455.64 351.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 499.07 351.30 Td (to ) Tj ET Q q 0 0 0 rg BT 514.48 351.30 Td (collateral ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (requirements ) Tj ET Q q 0 0 0 rg BT 127.37 336.90 Td (are ) Tj ET Q q 0 0 0 rg BT 148.04 336.90 Td (revalued ) Tj ET Q q 0 0 0 rg BT 197.41 336.90 Td (on ) Tj ET Q q 0 0 0 rg BT 214.09 336.90 Td (a ) Tj ET Q q 0 0 0 rg BT 224.10 336.90 Td (monthly ) Tj ET Q q 0 0 0 rg BT 269.45 336.90 Td (basis. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 308.10 Td (Eligible ) Tj ET Q q 0 0 0 rg BT 96.77 308.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 148.88 308.10 Td (types ) Tj ET Q q 0 0 0 rg BT 181.64 308.10 Td (are ) Tj ET Q q 0 0 0 rg BT 203.06 308.10 Td (documented ) Tj ET Q q 0 0 0 rg BT 273.19 308.10 Td (by ) Tj ET Q q 0 0 0 rg BT 289.95 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.70 308.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 336.79 308.10 Td (Support ) Tj ET Q q 0 0 0 rg BT 382.09 308.10 Td (Annex ) Tj ET Q q 0 0 0 rg BT 420.20 308.10 Td (\(CSA\) ) Tj ET Q q 0 0 0 rg BT 464.94 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.03 308.10 Td (an ) Tj ET Q q 0 0 0 rg BT 496.45 308.10 Td (International ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (Swaps ) Tj ET Q q 0 0 0 rg BT 92.91 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 115.83 293.70 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 177.50 293.70 Td (Association ) Tj ET Q q 0 0 0 rg BT 241.76 293.70 Td (Master ) Tj ET Q q 0 0 0 rg BT 280.75 293.70 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 342.34 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 365.26 293.70 Td (are ) Tj ET Q q 0 0 0 rg BT 385.50 293.70 Td (controlled ) Tj ET Q q 0 0 0 rg BT 440.42 293.70 Td (under ) Tj ET Q q 0 0 0 rg BT 474.01 293.70 Td (policies ) Tj ET Q q 0 0 0 rg BT 516.92 293.70 Td (aimed ) Tj ET Q q 0 0 0 rg BT 552.50 293.70 Td (at ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 279.30 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 102.22 279.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.09 279.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 171.30 279.30 Td (agreed ) Tj ET Q q 0 0 0 rg BT 210.86 279.30 Td (to ) Tj ET Q q 0 0 0 rg BT 223.06 279.30 Td (be ) Tj ET Q q 0 0 0 rg BT 238.59 279.30 Td (taken ) Tj ET Q q 0 0 0 rg BT 270.14 279.30 Td (exhibits ) Tj ET Q q 0 0 0 rg BT 313.02 279.30 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 391.89 279.30 Td (such ) Tj ET Q q 0 0 0 rg BT 419.43 279.30 Td (as ) Tj ET Q q 0 0 0 rg BT 434.29 279.30 Td (price ) Tj ET Q q 0 0 0 rg BT 462.49 279.30 Td (transparency) Tj ET Q q 0 0 0 rg BT 530.97 279.30 Td (, ) Tj ET Q q 0 0 0 rg BT 536.49 279.30 Td (price ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (stability) Tj ET Q q 0 0 0 rg BT 93.12 264.90 Td (, ) Tj ET Q q 0 0 0 rg BT 101.00 264.90 Td (liquidity) Tj ET Q q 0 0 0 rg BT 140.13 264.90 Td (, ) Tj ET Q q 0 0 0 rg BT 148.01 264.90 Td (enforceability) Tj ET Q q 0 0 0 rg BT 217.83 264.90 Td (, ) Tj ET Q q 0 0 0 rg BT 225.71 264.90 Td (independence ) Tj ET Q q 0 0 0 rg BT 305.66 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 330.23 264.90 Td (eligibility ) Tj ET Q q 0 0 0 rg BT 380.13 264.90 Td (for ) Tj ET Q q 0 0 0 rg BT 398.68 264.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 456.59 264.90 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 513.83 264.90 Td (Currently ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 250.50 Td (100% ) Tj ET Q q 0 0 0 rg BT 88.03 250.50 Td (of ) Tj ET Q q 0 0 0 rg BT 101.37 250.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.38 250.50 Td (collateral ) Tj ET Q q 0 0 0 rg BT 172.74 250.50 Td (held ) Tj ET Q q 0 0 0 rg BT 198.76 250.50 Td (by ) Tj ET Q q 0 0 0 rg BT 214.77 250.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 264.57 250.50 Td (T) Tj ET Q q 0 0 0 rg BT 271.46 250.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 294.80 250.50 Td (under ) Tj ET Q q 0 0 0 rg BT 328.82 250.50 Td (CSAs ) Tj ET Q q 0 0 0 rg BT 362.83 250.50 Td (is ) Tj ET Q q 0 0 0 rg BT 374.83 250.50 Td (in ) Tj ET Q q 0 0 0 rg BT 387.50 250.50 Td (the ) Tj ET Q q 0 0 0 rg BT 407.52 250.50 Td (form ) Tj ET Q q 0 0 0 rg BT 434.85 250.50 Td (of ) Tj ET Q q 0 0 0 rg BT 448.20 250.50 Td (cash.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 221.70 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 108.02 221.70 Td (for ) Tj ET Q q 0 0 0 rg BT 125.36 221.70 Td (Repo-Style ) Tj ET Q q 0 0 0 rg BT 188.06 221.70 Td (T) Tj ET Q q 0 0 0 rg BT 194.50 221.70 Td (ransactions) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 192.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.80 192.90 Td (T) Tj ET Q q 0 0 0 rg BT 110.69 192.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 134.03 192.90 Td (accepts ) Tj ET Q q 0 0 0 rg BT 178.72 192.90 Td (the ) Tj ET Q q 0 0 0 rg BT 198.73 192.90 Td (following ) Tj ET Q q 0 0 0 rg BT 248.76 192.90 Td (as ) Tj ET Q q 0 0 0 rg BT 264.77 192.90 Td (collateral ) Tj ET Q q 0 0 0 rg BT 316.13 192.90 Td (for ) Tj ET Q q 0 0 0 rg BT 333.46 192.90 Td (the ) Tj ET Q q 0 0 0 rg BT 353.48 192.90 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 409.50 192.90 Td (transactions ) Tj ET Q q 0 0 0 rg BT 477.53 192.90 Td (below:) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 162.38906250000002 m 392.859375 162.38906250000002 l s q 0 0 0 rg BT 54.00 164.10 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 121.38 164.10 Td (Agreements ) Tj ET Q q 0 0 0 rg BT 189.41 164.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.77 164.10 Td (Reverse ) Tj ET Q q 0 0 0 rg BT 260.78 164.10 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 328.16 164.10 Td (Agreements) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 149.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 149.70 Td (cash;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 135.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 135.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 116.67 135.30 Td (government ) Tj ET Q q 0 0 0 rg BT 183.38 135.30 Td (securities;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 120.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 120.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 116.67 120.90 Td (agency ) Tj ET Q q 0 0 0 rg BT 158.70 120.90 Td (and ) Tj ET Q q 0 0 0 rg BT 182.06 120.90 Td (government-sponsored ) Tj ET Q q 0 0 0 rg BT 308.79 120.90 Td (entity ) Tj ET Q q 0 0 0 rg BT 340.81 120.90 Td (securities;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 106.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 106.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 151.36 106.50 Td (grade ) Tj ET Q q 0 0 0 rg BT 185.38 106.50 Td (commercial ) Tj ET Q q 0 0 0 rg BT 250.06 106.50 Td (paper ) Tj ET Q q 0 0 0 rg BT 284.09 106.50 Td (and ) Tj ET Q q 0 0 0 rg BT 307.44 106.50 Td (corporate ) Tj ET Q q 0 0 0 rg BT 361.47 106.50 Td (bonds; ) Tj ET Q q 0 0 0 rg BT 400.83 106.50 Td (and) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 92.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 92.10 Td (equities ) Tj ET Q q 0 0 0 rg BT 134.70 92.10 Td (included ) Tj ET Q q 0 0 0 rg BT 182.73 92.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.40 92.10 Td (major ) Tj ET Q q 0 0 0 rg BT 228.74 92.10 Td (indices, ) Tj ET Q q 0 0 0 rg BT 272.77 92.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 314.12 92.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.46 92.10 Td (stipulated ) Tj ET Q q 0 0 0 rg BT 382.17 92.10 Td (diversification ) Tj ET Q q 0 0 0 rg BT 458.20 92.10 Td (parameters.) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (23 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 709.5890625 m 224.09765625 709.5890625 l s q 0 0 0 rg BT 54.00 711.30 Td (Securities ) Tj ET Q q 0 0 0 rg BT 110.02 711.30 Td (Lending ) Tj ET Q q 0 0 0 rg BT 155.85 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 162.73 711.30 Td (ransactions) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 696.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 696.90 Td (cash; ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 682.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 682.50 Td (sovereign ) Tj ET Q q 0 0 0 rg BT 147.46 682.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 176.24 682.50 Td (\(includes ) Tj ET Q q 0 0 0 rg BT 229.69 682.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 258.47 682.50 Td (issued ) Tj ET Q q 0 0 0 rg BT 298.58 682.50 Td (by ) Tj ET Q q 0 0 0 rg BT 316.68 682.50 Td (governments ) Tj ET Q q 0 0 0 rg BT 391.47 682.50 Td (of ) Tj ET Q q 0 0 0 rg BT 406.91 682.50 Td (highly-rated ) Tj ET Q q 0 0 0 rg BT 475.03 682.50 Td (Organization ) Tj ET Q q 0 0 0 rg BT 548.50 682.50 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 668.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 150.97 668.10 Td (Co-operation ) Tj ET Q q 0 0 0 rg BT 228.64 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.94 668.10 Td (Development ) Tj ET Q q 0 0 0 rg BT 335.94 668.10 Td (\(OECD\) ) Tj ET Q q 0 0 0 rg BT 394.88 668.10 Td (countries ) Tj ET Q q 0 0 0 rg BT 451.85 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.16 668.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 539.14 668.10 Td (debt ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 653.70 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 155.64 653.70 Td (by ) Tj ET Q q 0 0 0 rg BT 173.23 653.70 Td (select ) Tj ET Q q 0 0 0 rg BT 209.49 653.70 Td (highly-rated ) Tj ET Q q 0 0 0 rg BT 277.11 653.70 Td (OECD ) Tj ET Q q 0 0 0 rg BT 316.70 653.70 Td (governments ) Tj ET Q q 0 0 0 rg BT 390.98 653.70 Td (that ) Tj ET Q q 0 0 0 rg BT 415.91 653.70 Td (meet ) Tj ET Q q 0 0 0 rg BT 447.51 653.70 Td (additional ) Tj ET Q q 0 0 0 rg BT 503.80 653.70 Td (pre-agreed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 639.30 Td (guidelines\); ) Tj ET Q q 0 0 0 rg BT 154.71 639.30 Td (and) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 624.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 624.90 Td (equities ) Tj ET Q q 0 0 0 rg BT 134.70 624.90 Td (included ) Tj ET Q q 0 0 0 rg BT 182.73 624.90 Td (in ) Tj ET Q q 0 0 0 rg BT 195.40 624.90 Td (major ) Tj ET Q q 0 0 0 rg BT 228.74 624.90 Td (indices, ) Tj ET Q q 0 0 0 rg BT 272.77 624.90 Td (subject ) Tj ET Q q 0 0 0 rg BT 314.12 624.90 Td (to ) Tj ET Q q 0 0 0 rg BT 327.46 624.90 Td (stipulated ) Tj ET Q q 0 0 0 rg BT 382.17 624.90 Td (diversification ) Tj ET Q q 0 0 0 rg BT 458.20 624.90 Td (thresholds.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 91.60 596.10 Td (on ) Tj ET Q q 0 0 0 rg BT 108.52 596.10 Td (its ) Tj ET Q q 0 0 0 rg BT 124.09 596.10 Td (nominal ) Tj ET Q q 0 0 0 rg BT 169.69 596.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 194.60 596.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 256.88 596.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.46 596.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 300.72 596.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 350.75 596.10 Td (T) Tj ET Q q 0 0 0 rg BT 357.64 596.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 381.21 596.10 Td (does ) Tj ET Q q 0 0 0 rg BT 410.81 596.10 Td (not ) Tj ET Q q 0 0 0 rg BT 431.06 596.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 480.65 596.10 Td (employ ) Tj ET Q q 0 0 0 rg BT 522.91 596.10 Td (a ) Tj ET Q q 0 0 0 rg BT 533.16 596.10 Td (credit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 76.99 581.70 Td (valuation ) Tj ET Q q 0 0 0 rg BT 129.35 581.70 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 192.38 581.70 Td (to ) Tj ET Q q 0 0 0 rg BT 206.72 581.70 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 271.08 581.70 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 362.11 581.70 Td (within ) Tj ET Q q 0 0 0 rg BT 397.12 581.70 Td (its ) Tj ET Q q 0 0 0 rg BT 413.45 581.70 Td (estimate ) Tj ET Q q 0 0 0 rg BT 463.13 581.70 Td (of ) Tj ET Q q 0 0 0 rg BT 477.47 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 498.48 581.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 519.47 581.70 Td (value ) Tj ET Q q 0 0 0 rg BT 552.49 581.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (OTC ) Tj ET Q q 0 0 0 rg BT 83.59 567.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 139.21 567.30 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 210.67 567.30 Td (Any ) Tj ET Q q 0 0 0 rg BT 235.61 567.30 Td (realized ) Tj ET Q q 0 0 0 rg BT 281.89 567.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 315.50 567.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 341.10 567.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 402.74 567.30 Td (with ) Tj ET Q q 0 0 0 rg BT 428.34 567.30 Td (OTC ) Tj ET Q q 0 0 0 rg BT 457.93 567.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 519.56 567.30 Td (or ) Tj ET Q q 0 0 0 rg BT 534.49 567.30 Td (repo-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (style ) Tj ET Q q 0 0 0 rg BT 82.01 552.90 Td (transactions ) Tj ET Q q 0 0 0 rg BT 150.04 552.90 Td (would ) Tj ET Q q 0 0 0 rg BT 184.73 552.90 Td (be ) Tj ET Q q 0 0 0 rg BT 201.41 552.90 Td (accounted ) Tj ET Q q 0 0 0 rg BT 260.12 552.90 Td (for ) Tj ET Q q 0 0 0 rg BT 277.46 552.90 Td (as ) Tj ET Q q 0 0 0 rg BT 293.47 552.90 Td (a ) Tj ET Q q 0 0 0 rg BT 303.47 552.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 356.17 552.90 Td (of ) Tj ET Q q 0 0 0 rg BT 369.52 552.90 Td (current ) Tj ET Q q 0 0 0 rg BT 410.20 552.90 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 462.90 552.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (Wrong-way ) Tj ET Q q 0 0 0 rg BT 118.01 524.10 Td (Risk) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (W) Tj ET Q q 0 0 0 rg BT 65.11 495.30 Td (rong-way ) Tj ET Q q 0 0 0 rg BT 117.07 495.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 138.33 495.30 Td (occurs ) Tj ET Q q 0 0 0 rg BT 176.28 495.30 Td (when ) Tj ET Q q 0 0 0 rg BT 207.57 495.30 Td (the ) Tj ET Q q 0 0 0 rg BT 226.85 495.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 278.82 495.30 Td (to ) Tj ET Q q 0 0 0 rg BT 291.43 495.30 Td (a ) Tj ET Q q 0 0 0 rg BT 300.71 495.30 Td (particular ) Tj ET Q q 0 0 0 rg BT 352.67 495.30 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 421.97 495.30 Td (is ) Tj ET Q q 0 0 0 rg BT 433.24 495.30 Td (positively ) Tj ET Q q 0 0 0 rg BT 485.20 495.30 Td (correlated ) Tj ET Q q 0 0 0 rg BT 541.16 495.30 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (the ) Tj ET Q q 0 0 0 rg BT 73.25 480.90 Td (PD ) Tj ET Q q 0 0 0 rg BT 92.48 480.90 Td (of ) Tj ET Q q 0 0 0 rg BT 105.05 480.90 Td (the ) Tj ET Q q 0 0 0 rg BT 124.30 480.90 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 193.56 480.90 Td (itself ) Tj ET Q q 0 0 0 rg BT 220.80 480.90 Td (or ) Tj ET Q q 0 0 0 rg BT 234.04 480.90 Td (where ) Tj ET Q q 0 0 0 rg BT 269.28 480.90 Td (there ) Tj ET Q q 0 0 0 rg BT 299.20 480.90 Td (is ) Tj ET Q q 0 0 0 rg BT 310.43 480.90 Td (an ) Tj ET Q q 0 0 0 rg BT 326.34 480.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 371.60 480.90 Td (correlation ) Tj ET Q q 0 0 0 rg BT 430.19 480.90 Td (between ) Tj ET Q q 0 0 0 rg BT 478.12 480.90 Td (a ) Tj ET Q q 0 0 0 rg BT 487.36 480.90 Td (counterparty) Tj ET Q q 0 0 0 rg BT 556.51 480.90 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (PD ) Tj ET Q q 0 0 0 rg BT 74.00 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 97.36 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 117.38 466.50 Td (mark-to-market ) Tj ET Q q 0 0 0 rg BT 202.05 466.50 Td (value ) Tj ET Q q 0 0 0 rg BT 234.07 466.50 Td (of ) Tj ET Q q 0 0 0 rg BT 247.41 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 267.43 466.50 Td (underlying ) Tj ET Q q 0 0 0 rg BT 326.13 466.50 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 391.50 466.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.93 437.70 Td (T) Tj ET Q q 0 0 0 rg BT 109.81 437.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 132.21 437.70 Td (uses ) Tj ET Q q 0 0 0 rg BT 159.95 437.70 Td (a ) Tj ET Q q 0 0 0 rg BT 169.02 437.70 Td (range ) Tj ET Q q 0 0 0 rg BT 202.11 437.70 Td (of ) Tj ET Q q 0 0 0 rg BT 214.51 437.70 Td (tools ) Tj ET Q q 0 0 0 rg BT 242.25 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 254.65 437.70 Td (identify) Tj ET Q q 0 0 0 rg BT 291.78 437.70 Td (, ) Tj ET Q q 0 0 0 rg BT 297.51 437.70 Td (control ) Tj ET Q q 0 0 0 rg BT 335.92 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 358.34 437.70 Td (monitor ) Tj ET Q q 0 0 0 rg BT 400.75 437.70 Td (wrong-way ) Tj ET Q q 0 0 0 rg BT 461.16 437.70 Td (risk. ) Tj ET Q q 0 0 0 rg BT 485.40 437.70 Td (These ) Tj ET Q q 0 0 0 rg BT 521.14 437.70 Td (include: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (the ) Tj ET Q q 0 0 0 rg BT 74.16 423.30 Td (requirement ) Tj ET Q q 0 0 0 rg BT 141.66 423.30 Td (to ) Tj ET Q q 0 0 0 rg BT 155.15 423.30 Td (obtain ) Tj ET Q q 0 0 0 rg BT 191.32 423.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 218.80 423.30 Td (approval ) Tj ET Q q 0 0 0 rg BT 268.31 423.30 Td (before ) Tj ET Q q 0 0 0 rg BT 305.81 423.30 Td (undertaking ) Tj ET Q q 0 0 0 rg BT 372.00 423.30 Td (wrong-way ) Tj ET Q q 0 0 0 rg BT 433.49 423.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 455.63 423.30 Td (transactions ) Tj ET Q q 0 0 0 rg BT 523.80 423.30 Td (outside ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 408.90 Td (pre-agreed ) Tj ET Q q 0 0 0 rg BT 118.57 408.90 Td (guidelines; ) Tj ET Q q 0 0 0 rg BT 181.80 408.90 Td (exception ) Tj ET Q q 0 0 0 rg BT 239.03 408.90 Td (reporting; ) Tj ET Q q 0 0 0 rg BT 295.59 408.90 Td (collateral ) Tj ET Q q 0 0 0 rg BT 349.47 408.90 Td (exclusion ) Tj ET Q q 0 0 0 rg BT 405.36 408.90 Td (requirements; ) Tj ET Q q 0 0 0 rg BT 484.59 408.90 Td (sovereign ) Tj ET Q q 0 0 0 rg BT 542.48 408.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (issuer ) Tj ET Q q 0 0 0 rg BT 90.16 394.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 123.65 394.50 Td (quality ) Tj ET Q q 0 0 0 rg BT 162.48 394.50 Td (requirements ) Tj ET Q q 0 0 0 rg BT 236.66 394.50 Td (for ) Tj ET Q q 0 0 0 rg BT 254.81 394.50 Td (collateral ) Tj ET Q q 0 0 0 rg BT 306.98 394.50 Td (accepted ) Tj ET Q q 0 0 0 rg BT 359.83 394.50 Td (in ) Tj ET Q q 0 0 0 rg BT 373.31 394.50 Td (repo-style ) Tj ET Q q 0 0 0 rg BT 430.15 394.50 Td (transactions; ) Tj ET Q q 0 0 0 rg BT 502.33 394.50 Td (approval ) Tj ET Q q 0 0 0 rg BT 552.51 394.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (loan/collateral ) Tj ET Q q 0 0 0 rg BT 133.91 380.10 Td (combinations ) Tj ET Q q 0 0 0 rg BT 210.48 380.10 Td (based ) Tj ET Q q 0 0 0 rg BT 249.04 380.10 Td (on ) Tj ET Q q 0 0 0 rg BT 268.25 380.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 321.47 380.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 388.71 380.10 Td (correlation ) Tj ET Q q 0 0 0 rg BT 450.60 380.10 Td (analysis; ) Tj ET Q q 0 0 0 rg BT 503.16 380.10 Td (multi-factor ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (stress ) Tj ET Q q 0 0 0 rg BT 92.63 365.70 Td (testing ) Tj ET Q q 0 0 0 rg BT 134.61 365.70 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 192.59 365.70 Td (to ) Tj ET Q q 0 0 0 rg BT 209.22 365.70 Td (identify ) Tj ET Q q 0 0 0 rg BT 253.87 365.70 Td (vulnerabilities ) Tj ET Q q 0 0 0 rg BT 333.20 365.70 Td (and ) Tj ET Q q 0 0 0 rg BT 359.85 365.70 Td (manage ) Tj ET Q q 0 0 0 rg BT 409.84 365.70 Td (exposures ) Tj ET Q q 0 0 0 rg BT 471.83 365.70 Td (against ) Tj ET Q q 0 0 0 rg BT 517.15 365.70 Td (stressed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 109.77 351.30 Td (tolerances; ) Tj ET Q q 0 0 0 rg BT 174.86 351.30 Td (and ) Tj ET Q q 0 0 0 rg BT 201.29 351.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 257.05 351.30 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 314.15 351.30 Td (Country ) Tj ET Q q 0 0 0 rg BT 362.56 351.30 Td (limits ) Tj ET Q q 0 0 0 rg BT 396.29 351.30 Td (and ) Tj ET Q q 0 0 0 rg BT 422.71 351.30 Td (diversification ) Tj ET Q q 0 0 0 rg BT 501.81 351.30 Td (parameters ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (applicable ) Tj ET Q q 0 0 0 rg BT 110.41 336.90 Td (to ) Tj ET Q q 0 0 0 rg BT 122.79 336.90 Td (foreign ) Tj ET Q q 0 0 0 rg BT 161.86 336.90 Td (exchange ) Tj ET Q q 0 0 0 rg BT 216.27 336.90 Td (and ) Tj ET Q q 0 0 0 rg BT 238.67 336.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 270.38 336.90 Td (default ) Tj ET Q q 0 0 0 rg BT 308.78 336.90 Td (swap ) Tj ET Q q 0 0 0 rg BT 339.17 336.90 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 409.57 336.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 472.04 336.90 Td (, ) Tj ET Q q 0 0 0 rg BT 477.75 336.90 Td (also ) Tj ET Q q 0 0 0 rg BT 502.13 336.90 Td (limit ) Tj ET Q q 0 0 0 rg BT 525.83 336.90 Td (wrong-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (way ) Tj ET Q q 0 0 0 rg BT 78.67 322.50 Td (risk.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (Potential ) Tj ET Q q 0 0 0 rg BT 104.03 293.70 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 158.06 293.70 Td (Requirements) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (Certain ) Tj ET Q q 0 0 0 rg BT 97.27 264.90 Td (ISDA) Tj ET Q q 0 0 0 rg BT 124.62 264.90 Td ( ) Tj ET Q q 0 0 0 rg BT 129.20 264.90 Td (agreements ) Tj ET Q q 0 0 0 rg BT 197.16 264.90 Td (require ) Tj ET Q q 0 0 0 rg BT 239.10 264.90 Td (a ) Tj ET Q q 0 0 0 rg BT 250.36 264.90 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 321.65 264.90 Td (to ) Tj ET Q q 0 0 0 rg BT 336.25 264.90 Td (post ) Tj ET Q q 0 0 0 rg BT 363.52 264.90 Td (additional ) Tj ET Q q 0 0 0 rg BT 419.48 264.90 Td (collateral ) Tj ET Q q 0 0 0 rg BT 472.09 264.90 Td (in ) Tj ET Q q 0 0 0 rg BT 486.02 264.90 Td (the ) Tj ET Q q 0 0 0 rg BT 507.29 264.90 Td (event ) Tj ET Q q 0 0 0 rg BT 541.23 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 555.83 264.90 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 250.50 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 116.53 250.50 Td (of ) Tj ET Q q 0 0 0 rg BT 129.69 250.50 Td (such ) Tj ET Q q 0 0 0 rg BT 158.19 250.50 Td (counterparty) Tj ET Q q 0 0 0 rg BT 227.34 250.50 Td (s ) Tj ET Q q 0 0 0 rg BT 236.49 250.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 268.99 250.50 Td (rating. ) Tj ET Q q 0 0 0 rg BT 304.87 250.50 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 366.00 250.50 Td (, ) Tj ET Q q 0 0 0 rg BT 372.49 250.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 422.12 250.50 Td (T) Tj ET Q q 0 0 0 rg BT 429.01 250.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 452.16 250.50 Td (regularly ) Tj ET Q q 0 0 0 rg BT 501.34 250.50 Td (monitors ) Tj ET Q q 0 0 0 rg BT 550.50 250.50 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 236.10 Td (position ) Tj ET Q q 0 0 0 rg BT 98.70 236.10 Td (with ) Tj ET Q q 0 0 0 rg BT 123.37 236.10 Td (regard ) Tj ET Q q 0 0 0 rg BT 161.39 236.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.73 236.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 244.77 236.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 277.45 236.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 310.80 236.10 Td (downgrades. ) Tj ET Q q 0 0 0 rg BT 382.85 236.10 Td ( ) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (24 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 79.06 711.30 Td (following ) Tj ET Q q 0 0 0 rg BT 130.13 711.30 Td (table ) Tj ET Q q 0 0 0 rg BT 160.53 711.30 Td (describes ) Tj ET Q q 0 0 0 rg BT 216.27 711.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 267.05 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 273.93 711.30 Td (rust) Tj ET Q q 0 0 0 rg BT 296.39 711.30 Td (s ) Tj ET Q q 0 0 0 rg BT 306.76 711.30 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 377.85 711.30 Td (exposures ) Tj ET Q q 0 0 0 rg BT 437.59 711.30 Td (by ) Tj ET Q q 0 0 0 rg BT 454.64 711.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 508.39 711.30 Td (type ) Tj ET Q q 0 0 0 rg BT 535.45 711.30 Td (as ) Tj ET Q q 0 0 0 rg BT 552.50 711.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (March31, ) Tj ET Q q 0 0 0 rg BT 110.69 696.90 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 137.38 696.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 668.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 668.10 Td (14: ) Tj ET Q q 0 0 0 rg BT 108.46 668.10 Td (Counterparty ) Tj ET Q q 0 0 0 rg BT 187.14 668.10 Td (Exposures ) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 657.60 254.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 307.75 657.60 254.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 53.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 307.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 307.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 657.6 m 468.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 642.6 m 468.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 657.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 657.6 m 561.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 642.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 53.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 642.6 m 561.75 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 627.6 m 53.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 612.6 m 307.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 612.6 m 468.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 627.6 m 561.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 612.6 m 561.75 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 612.6 m 53.75 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 612.6 m 561.75 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 604.6 m 53.75 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 604.6 m 561.75 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 589.6 m 53.75 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 589.6 m 561.75 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 574.6 m 53.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 574.6 m 561.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 559.6 m 561.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 559.6 m 53.75 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 559.6 m 307.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 559.6 m 468.75 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 559.6 m 561.75 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 544.6 m 53.75 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 544.6 m 561.75 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 529.6 m 53.75 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 529.6 m 307.75 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 514.6 m 307.75 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 529.6 m 468.75 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307.75 514.6 m 468.75 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 529.6 m 561.75 514.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 529.6 m 561.75 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 514.6 m 561.75 514.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 647.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 647.22 Td (As of March 31, 2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 632.22 Td (Derivative Contracts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 617.22 Td ( EAD) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.25 617.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.85 617.22 Td (3,360) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 594.22 Td (Repo-Style T) Tj ET Q q 0 0 0 rg BT 117.09 594.22 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 579.22 Td ( Gross notional exposure) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.25 579.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 579.22 Td (163,629) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 564.22 Td ( Cash and securities collateral) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.75 564.22 Td (168,882) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 549.22 Td ( Net exposure) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.25 549.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 529.50 549.22 Td (\(5,253) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 557.90 549.22 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 519.22 Td ( EAD) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.25 519.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 519.22 Td (12,394) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 488.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 488.70 Td (Refer ) Tj ET Q q 0 0 0 rg BT 122.26 488.70 Td (to ) Tj ET Q q 0 0 0 rg BT 135.18 488.70 Td (Note ) Tj ET Q q 0 0 0 rg BT 163.44 488.70 Td (3, ) Tj ET Q q 0 0 0 rg BT 176.36 488.70 Td (starting ) Tj ET Q q 0 0 0 rg BT 218.63 488.70 Td (on ) Tj ET Q q 0 0 0 rg BT 234.89 488.70 Td (page ) Tj ET Q q 0 0 0 rg BT 264.50 488.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 284.10 488.70 Td (and ) Tj ET Q q 0 0 0 rg BT 307.03 488.70 Td (Note ) Tj ET Q q 0 0 0 rg BT 335.29 488.70 Td (20, ) Tj ET Q q 0 0 0 rg BT 354.89 488.70 Td (starting ) Tj ET Q q 0 0 0 rg BT 397.15 488.70 Td (on ) Tj ET Q q 0 0 0 rg BT 413.42 488.70 Td (page ) Tj ET Q q 0 0 0 rg BT 443.03 488.70 Td (64, ) Tj ET Q q 0 0 0 rg BT 462.62 488.70 Td (to ) Tj ET Q q 0 0 0 rg BT 475.54 488.70 Td (the ) Tj ET Q q 0 0 0 rg BT 495.14 488.70 Td (consolidated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 474.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 136.38 474.30 Td (statements ) Tj ET Q q 0 0 0 rg BT 197.42 474.30 Td (within ) Tj ET Q q 0 0 0 rg BT 230.45 474.30 Td (the ) Tj ET Q q 0 0 0 rg BT 249.48 474.30 Td (Corporation) Tj ET Q q 0 0 0 rg BT 314.63 474.30 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 322.98 474.30 Td (First ) Tj ET Q q 0 0 0 rg BT 348.65 474.30 Td (Quarter ) Tj ET Q q 0 0 0 rg BT 391.68 474.30 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 418.38 474.30 Td ( ) Tj ET Q q 0 0 0 rg BT 420.73 474.30 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 449.76 474.30 Td (for ) Tj ET Q q 0 0 0 rg BT 466.11 474.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 519.81 474.30 Td (contract ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 459.90 Td (exposure ) Tj ET Q q 0 0 0 rg BT 142.70 459.90 Td (information.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 431.10 Td (In the quarter ended ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 165.42 431.10 Td (March31, 2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 248.80 431.10 Td (, Northern ) Tj ET Q q 0 0 0 rg BT 305.27 431.10 Td (T) Tj ET Q q 0 0 0 rg BT 312.16 431.10 Td (rust did not purchase or sell any credit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 416.70 Td (derivatives.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 387.90 Td (Credit Risk Mitigation) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 359.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.51 359.10 Td (T) Tj ET Q q 0 0 0 rg BT 110.40 359.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 133.42 359.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 187.80 359.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 216.16 359.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 240.52 359.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.55 359.10 Td (be ) Tj ET Q q 0 0 0 rg BT 269.92 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.62 359.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 332.64 359.10 Td (source ) Tj ET Q q 0 0 0 rg BT 371.68 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.71 359.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 444.42 359.10 Td (for ) Tj ET Q q 0 0 0 rg BT 461.45 359.10 Td (client-related ) Tj ET Q q 0 0 0 rg BT 533.17 359.10 Td (credit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 344.70 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 117.31 344.70 Td (However) Tj ET Q q 0 0 0 rg BT 163.99 344.70 Td (, ) Tj ET Q q 0 0 0 rg BT 171.93 344.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 222.93 344.70 Td (T) Tj ET Q q 0 0 0 rg BT 229.81 344.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 254.43 344.70 Td (employs ) Tj ET Q q 0 0 0 rg BT 303.72 344.70 Td (several ) Tj ET Q q 0 0 0 rg BT 347.01 344.70 Td (dif) Tj ET Q q 0 0 0 rg BT 359.46 344.70 Td (ferent ) Tj ET Q q 0 0 0 rg BT 394.76 344.70 Td (types ) Tj ET Q q 0 0 0 rg BT 428.04 344.70 Td (of ) Tj ET Q q 0 0 0 rg BT 442.66 344.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 476.61 344.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 499.88 344.70 Td (mitigants ) Tj ET Q q 0 0 0 rg BT 552.50 344.70 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 330.30 Td (manage ) Tj ET Q q 0 0 0 rg BT 101.28 330.30 Td (its ) Tj ET Q q 0 0 0 rg BT 117.19 330.30 Td (overall ) Tj ET Q q 0 0 0 rg BT 156.45 330.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 189.71 330.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 212.28 330.30 Td (in ) Tj ET Q q 0 0 0 rg BT 225.53 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 246.13 330.30 Td (event ) Tj ET Q q 0 0 0 rg BT 279.39 330.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 308.65 330.30 Td (flow ) Tj ET Q q 0 0 0 rg BT 333.91 330.30 Td (is ) Tj ET Q q 0 0 0 rg BT 346.48 330.30 Td (not ) Tj ET Q q 0 0 0 rg BT 367.08 330.30 Td (suf) Tj ET Q q 0 0 0 rg BT 382.87 330.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 418.13 330.30 Td (to ) Tj ET Q q 0 0 0 rg BT 432.05 330.30 Td (repay ) Tj ET Q q 0 0 0 rg BT 465.98 330.30 Td (a ) Tj ET Q q 0 0 0 rg BT 476.56 330.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 509.82 330.30 Td (exposure. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 315.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 106.07 315.90 Td (T) Tj ET Q q 0 0 0 rg BT 112.96 315.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 138.72 315.90 Td (broadly ) Tj ET Q q 0 0 0 rg BT 183.84 315.90 Td (groups ) Tj ET Q q 0 0 0 rg BT 226.29 315.90 Td (its ) Tj ET Q q 0 0 0 rg BT 244.05 315.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 268.47 315.90 Td (mitigation ) Tj ET Q q 0 0 0 rg BT 325.58 315.90 Td (techniques ) Tj ET Q q 0 0 0 rg BT 389.39 315.90 Td (into ) Tj ET Q q 0 0 0 rg BT 414.49 315.90 Td (the ) Tj ET Q q 0 0 0 rg BT 436.94 315.90 Td (following ) Tj ET Q q 0 0 0 rg BT 489.39 315.90 Td (three ) Tj ET Q q 0 0 0 rg BT 522.50 315.90 Td (primary ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 301.50 Td (categories:) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 272.70 Td (Physical ) Tj ET Q q 0 0 0 rg BT 102.02 272.70 Td (and ) Tj ET Q q 0 0 0 rg BT 125.37 272.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 176.73 272.70 Td (Collateral) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 243.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.80 243.90 Td (T) Tj ET Q q 0 0 0 rg BT 110.69 243.90 Td (rust) Tj ET Q q 0 0 0 rg BT 133.14 243.90 Td (s primary risk mitigation approaches include the requirement of collateral. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 229.50 Td (Residential and commercial real estate exposures are typically secured by properly margined ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 215.10 Td (mortgages on the property) Tj ET Q q 0 0 0 rg BT 193.86 215.10 Td (. In cases where loans to commercial or certain W) Tj ET Q q 0 0 0 rg BT 459.07 215.10 Td (ealth Management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 200.70 Td (clients are secured by marketable securities, the daily values of the securities are monitored ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 186.30 Td (closely to ensure adherence to collateral coverage policies.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 157.50 Td (Netting) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 128.70 Td (On-balance-sheet netting is employed on a limited basis. Netting is primarily related to foreign ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 114.30 Td (exchange transactions with major banks and institutional clients subject to eligible master ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 99.90 Td (netting agreements. Northern ) Tj ET Q q 0 0 0 rg BT 213.21 99.90 Td (T) Tj ET Q q 0 0 0 rg BT 220.09 99.90 Td (rust has elected to take the credit risk mitigation capital benefit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 85.50 Td (of netting within its regulatory capital calculation at this time.) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (25 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F4 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Guarantees ) Tj ET Q q 0 0 0 rg BT 120.04 711.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Personal and corporate guarantees are often taken to facilitate potential collection ef) Tj ET Q q 0 0 0 rg BT 501.40 682.50 Td (forts and to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (protect Northern ) Tj ET Q q 0 0 0 rg BT 143.82 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 150.71 668.10 Td (rust) Tj ET Q q 0 0 0 rg BT 173.16 668.10 Td (s claims relative to other creditors. Northern ) Tj ET Q q 0 0 0 rg BT 408.36 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 415.25 668.10 Td (rust has elected not to take ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (the credit risk mitigation capital benefit of guarantors within its regulatory capital calculation at ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (this time.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (Another important risk management practice is the avoidance of undue concentrations of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (exposure, such as in any single \(or small number of related\) obligor/counterparty) Tj ET Q q 0 0 0 rg BT 480.66 596.10 Td (, loan type, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (industry) Tj ET Q q 0 0 0 rg BT 95.13 581.70 Td (, geography) Tj ET Q q 0 0 0 rg BT 157.62 581.70 Td (, country or risk mitigant. Processes are in place to establish limits on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (certain concentrations and the monitoring of adherence to the limits.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td ( ) Tj ET Q q 0 0 0 rg BT 57.33 552.90 Td ( ) Tj ET Q q 0 0 0 rg BT 60.67 552.90 Td ( ) Tj ET Q q 0 0 0 rg BT 64.00 552.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (Securitization) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.42 509.70 Td (T) Tj ET Q q 0 0 0 rg BT 110.30 509.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 133.23 509.70 Td (does ) Tj ET Q q 0 0 0 rg BT 162.17 509.70 Td (not ) Tj ET Q q 0 0 0 rg BT 181.78 509.70 Td (act ) Tj ET Q q 0 0 0 rg BT 200.71 509.70 Td (as ) Tj ET Q q 0 0 0 rg BT 216.30 509.70 Td (originator ) Tj ET Q q 0 0 0 rg BT 269.25 509.70 Td (or ) Tj ET Q q 0 0 0 rg BT 282.85 509.70 Td (sponsor ) Tj ET Q q 0 0 0 rg BT 328.46 509.70 Td (for ) Tj ET Q q 0 0 0 rg BT 345.39 509.70 Td (securitizations. ) Tj ET Q q 0 0 0 rg BT 427.67 509.70 Td (In ) Tj ET Q q 0 0 0 rg BT 440.60 509.70 Td (its ) Tj ET Q q 0 0 0 rg BT 455.53 509.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 516.47 509.70 Td (portfolio, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.92 495.30 Td (T) Tj ET Q q 0 0 0 rg BT 111.81 495.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 136.34 495.30 Td (has ) Tj ET Q q 0 0 0 rg BT 160.21 495.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 220.78 495.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 275.99 495.30 Td (that ) Tj ET Q q 0 0 0 rg BT 300.53 495.30 Td (meet ) Tj ET Q q 0 0 0 rg BT 331.74 495.30 Td (the ) Tj ET Q q 0 0 0 rg BT 352.95 495.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 410.83 495.30 Td (definition ) Tj ET Q q 0 0 0 rg BT 463.40 495.30 Td (of ) Tj ET Q q 0 0 0 rg BT 477.93 495.30 Td (a ) Tj ET Q q 0 0 0 rg BT 489.13 495.30 Td (securitization. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (Additionally) Tj ET Q q 0 0 0 rg BT 114.48 480.90 Td (, ) Tj ET Q q 0 0 0 rg BT 120.77 480.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 170.23 480.90 Td (T) Tj ET Q q 0 0 0 rg BT 177.11 480.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 200.07 480.90 Td (has ) Tj ET Q q 0 0 0 rg BT 222.38 480.90 Td (a ) Tj ET Q q 0 0 0 rg BT 232.01 480.90 Td (limited ) Tj ET Q q 0 0 0 rg BT 269.64 480.90 Td (number ) Tj ET Q q 0 0 0 rg BT 313.29 480.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.25 480.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 390.55 480.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 416.20 480.90 Td (transactions ) Tj ET Q q 0 0 0 rg BT 483.86 480.90 Td (that ) Tj ET Q q 0 0 0 rg BT 506.83 480.90 Td (have ) Tj ET Q q 0 0 0 rg BT 535.81 480.90 Td (been ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (deemed ) Tj ET Q q 0 0 0 rg BT 101.00 466.50 Td (to ) Tj ET Q q 0 0 0 rg BT 114.64 466.50 Td (be ) Tj ET Q q 0 0 0 rg BT 131.63 466.50 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 211.29 466.50 Td (for ) Tj ET Q q 0 0 0 rg BT 228.93 466.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 285.93 466.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 324.25 466.50 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 380.59 466.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 430.67 466.50 Td (T) Tj ET Q q 0 0 0 rg BT 437.56 466.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 461.20 466.50 Td (uses ) Tj ET Q q 0 0 0 rg BT 490.18 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 510.50 466.50 Td (Simplified ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 452.10 Td (Supervisory ) Tj ET Q q 0 0 0 rg BT 121.47 452.10 Td (Formula ) Tj ET Q q 0 0 0 rg BT 168.78 452.10 Td (Approach ) Tj ET Q q 0 0 0 rg BT 224.26 452.10 Td (\(SSF) Tj ET Q q 0 0 0 rg BT 254.93 452.10 Td (A\) ) Tj ET Q q 0 0 0 rg BT 275.04 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.16 452.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 340.64 452.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 415.44 452.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 454.24 452.10 Td (for ) Tj ET Q q 0 0 0 rg BT 472.36 452.10 Td (securitizations. ) Tj ET Q q 0 0 0 rg BT 555.83 452.10 Td (If ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (the ) Tj ET Q q 0 0 0 rg BT 72.90 437.70 Td (SSF) Tj ET Q q 0 0 0 rg BT 95.58 437.70 Td (A) Tj ET Q q 0 0 0 rg BT 102.92 437.70 Td ( ) Tj ET Q q 0 0 0 rg BT 105.14 437.70 Td (cannot ) Tj ET Q q 0 0 0 rg BT 143.39 437.70 Td (be ) Tj ET Q q 0 0 0 rg BT 158.96 437.70 Td (applied ) Tj ET Q q 0 0 0 rg BT 199.88 437.70 Td (due ) Tj ET Q q 0 0 0 rg BT 222.12 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 234.35 437.70 Td (data ) Tj ET Q q 0 0 0 rg BT 259.93 437.70 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 318.83 437.70 Td (a ) Tj ET Q q 0 0 0 rg BT 327.73 437.70 Td (1,250% ) Tj ET Q q 0 0 0 rg BT 370.65 437.70 Td (risk-weight ) Tj ET Q q 0 0 0 rg BT 430.21 437.70 Td (is ) Tj ET Q q 0 0 0 rg BT 441.10 437.70 Td (applied ) Tj ET Q q 0 0 0 rg BT 482.02 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 494.25 437.70 Td (the ) Tj ET Q q 0 0 0 rg BT 513.15 437.70 Td (exposure ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (as ) Tj ET Q q 0 0 0 rg BT 70.01 423.30 Td (required ) Tj ET Q q 0 0 0 rg BT 117.37 423.30 Td (by ) Tj ET Q q 0 0 0 rg BT 133.38 423.30 Td (current ) Tj ET Q q 0 0 0 rg BT 174.06 423.30 Td (Basel ) Tj ET Q q 0 0 0 rg BT 207.41 423.30 Td (III ) Tj ET Q q 0 0 0 rg BT 220.75 423.30 Td (guidelines.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 395.70 Td (The ) Tj ET Q q 0 0 0 rg BT 78.01 395.70 Td (following ) Tj ET Q q 0 0 0 rg BT 128.04 395.70 Td (table ) Tj ET Q q 0 0 0 rg BT 157.39 395.70 Td (describes ) Tj ET Q q 0 0 0 rg BT 212.09 395.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 261.89 395.70 Td (T) Tj ET Q q 0 0 0 rg BT 268.78 395.70 Td (rust) Tj ET Q q 0 0 0 rg BT 291.23 395.70 Td (s ) Tj ET Q q 0 0 0 rg BT 300.56 395.70 Td (securitization ) Tj ET Q q 0 0 0 rg BT 373.93 395.70 Td (exposures ) Tj ET Q q 0 0 0 rg BT 432.63 395.70 Td (as ) Tj ET Q q 0 0 0 rg BT 448.63 395.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 461.98 395.70 Td (March31, ) Tj ET Q q 0 0 0 rg BT 518.67 395.70 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 545.36 395.70 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 366.90 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 366.90 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 366.90 Td (15: ) Tj ET Q q 0 0 0 rg BT 108.46 366.90 Td (Securitization ) Tj ET Q q 0 0 0 rg BT 190.48 366.90 Td (Exposures) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 356.40 200.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 253.75 356.40 27.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 280.75 356.40 281.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 341.40 200.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 253.75 341.40 120.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 373.75 341.40 188.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 356.4 m 53.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 356.4 m 253.75 356.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 356.4 m 280.75 356.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 356.4 m 373.75 356.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 341.4 m 373.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 356.4 m 467.75 356.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 341.4 m 467.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 356.4 m 561.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 356.4 m 561.75 356.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 341.4 m 561.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 341.4 m 53.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 341.4 m 253.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 317.4 m 253.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 341.4 m 280.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 317.4 m 280.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 341.4 m 373.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 317.4 m 373.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 341.4 m 467.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 317.4 m 467.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 341.4 m 561.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 341.4 m 561.75 341.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 317.4 m 561.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 317.4 m 53.75 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 317.4 m 253.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 317.4 m 280.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 317.4 m 373.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 317.4 m 467.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 317.4 m 561.75 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 317.4 m 561.75 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 302.4 m 53.75 287.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 302.4 m 561.75 287.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 287.4 m 53.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 272.4 m 253.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 272.4 m 280.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 272.4 m 373.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 272.4 m 467.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 287.4 m 561.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 272.4 m 53.75 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 272.4 m 253.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 257.4 m 253.75 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 272.4 m 280.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.75 257.4 m 280.75 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 272.4 m 373.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.75 257.4 m 373.75 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 272.4 m 467.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.75 257.4 m 467.75 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 272.4 m 561.75 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 272.4 m 561.75 272.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 257.4 m 561.75 257.4 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 346.02 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 346.02 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.40 331.62 Td (On-Balance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.10 321.62 Td (Sheet) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.60 331.62 Td (Of) Tj ET Q q 0 0 0 rg BT 515.98 331.62 Td (f-Balance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.10 321.62 Td (Sheet) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 307.02 Td (Asset Backed Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 283.25 307.02 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.85 307.07 Td (3,379) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.25 307.02 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 307.02 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 292.02 Td (Mortgage Backed Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.20 292.02 Td (444) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 292.02 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 277.02 Td (Loan Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.90 277.02 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 277.02 Td (28) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 262.02 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 262.02 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 283.25 262.02 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 344.85 262.07 Td (3,823) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.25 262.02 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 546.75 262.02 Td (28) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (26 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The ) Tj ET Q q 0 0 0 rg BT 78.42 711.30 Td (following ) Tj ET Q q 0 0 0 rg BT 128.86 711.30 Td (table ) Tj ET Q q 0 0 0 rg BT 158.63 711.30 Td (describes ) Tj ET Q q 0 0 0 rg BT 213.73 711.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 263.92 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 270.80 711.30 Td (rust) Tj ET Q q 0 0 0 rg BT 293.25 711.30 Td (s ) Tj ET Q q 0 0 0 rg BT 303.00 711.30 Td (securitization ) Tj ET Q q 0 0 0 rg BT 376.77 711.30 Td (exposures ) Tj ET Q q 0 0 0 rg BT 435.88 711.30 Td (by ) Tj ET Q q 0 0 0 rg BT 452.30 711.30 Td (risk-weight ) Tj ET Q q 0 0 0 rg BT 513.39 711.30 Td (bands ) Tj ET Q q 0 0 0 rg BT 549.83 711.30 Td (as ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 67.34 696.90 Td (March31, ) Tj ET Q q 0 0 0 rg BT 124.03 696.90 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 150.73 696.90 Td (. ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 668.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 668.10 Td (16: ) Tj ET Q q 0 0 0 rg BT 108.46 668.10 Td (Securitization ) Tj ET Q q 0 0 0 rg BT 190.48 668.10 Td (Exposures ) Tj ET Q q 0 0 0 rg BT 255.17 668.10 Td (by ) Tj ET Q q 0 0 0 rg BT 272.51 668.10 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 312.96 668.10 Td (eight ) Tj ET Q q 0 0 0 rg BT 344.96 668.10 Td (Bands) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 657.60 201.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 254.75 657.60 55.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 309.75 657.60 25.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 334.75 657.60 227.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 642.60 79.00 -32.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 132.75 642.60 122.00 -32.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 254.75 642.60 55.00 -32.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 309.75 642.60 83.00 -32.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 392.75 642.60 99.00 -32.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 491.75 642.60 70.00 -32.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 53.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 657.6 m 132.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 657.6 m 254.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 657.6 m 309.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 657.6 m 334.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 657.6 m 392.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 642.6 m 392.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 657.6 m 418.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 642.6 m 418.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 657.6 m 491.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 642.6 m 491.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 657.6 m 508.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 642.6 m 508.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 657.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 657.6 m 561.75 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 642.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 53.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 642.6 m 132.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 610.6 m 132.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 642.6 m 254.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 610.6 m 254.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 642.6 m 309.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 610.6 m 309.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 642.6 m 334.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 610.6 m 334.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 642.6 m 392.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 610.6 m 392.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 642.6 m 418.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 610.6 m 418.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 642.6 m 491.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 610.6 m 491.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 642.6 m 508.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 610.6 m 508.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 642.6 m 561.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 642.6 m 561.75 642.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 610.6 m 561.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 610.6 m 53.75 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 610.6 m 132.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 610.6 m 254.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 610.6 m 309.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 610.6 m 334.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 610.6 m 418.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 610.6 m 508.75 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 610.6 m 561.75 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 595.6 m 53.75 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 595.6 m 561.75 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 580.6 m 53.75 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 580.6 m 561.75 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 565.6 m 53.75 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 565.6 m 561.75 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 550.6 m 53.75 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 550.6 m 561.75 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 535.6 m 53.75 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 535.6 m 561.75 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 520.6 m 53.75 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 520.6 m 561.75 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 505.6 m 53.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 490.6 m 132.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 490.6 m 254.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 490.6 m 309.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 490.6 m 334.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 490.6 m 418.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 490.6 m 508.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 505.6 m 561.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 490.6 m 53.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 490.6 m 132.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 475.6 m 132.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 490.6 m 254.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 475.6 m 254.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 490.6 m 309.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.75 475.6 m 309.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 490.6 m 334.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 475.6 m 334.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 490.6 m 392.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.75 475.6 m 392.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 490.6 m 418.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 475.6 m 418.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 490.6 m 491.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 475.6 m 491.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 490.6 m 508.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 475.6 m 508.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 490.6 m 561.75 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 490.6 m 561.75 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 475.6 m 561.75 475.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 647.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 647.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 197.50 625.22 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 229.53 625.22 Td (eight ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.85 615.22 Td (Bands) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.40 615.22 Td (Approach) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.10 625.22 Td (Asset Backed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 615.22 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.85 625.22 Td (Mortgage Backed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.30 615.22 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.00 625.22 Td (Loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.00 615.22 Td (Exposures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 600.22 Td (Securitizations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 197.00 600.22 Td (0% to <12%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 600.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.37 600.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.25 600.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 600.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.25 600.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 600.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.25 600.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 600.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.45 585.22 Td (12% to <20%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 585.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.37 585.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 585.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 585.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 585.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.45 570.22 Td (20% to <50%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 570.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.37 570.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.85 570.22 Td (3,313) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.20 570.22 Td (444) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 570.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.45 555.22 Td (50% to <75%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 555.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.37 555.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.75 555.22 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 555.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 555.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 185.90 540.22 Td (75% to <100%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 540.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.37 540.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.75 540.22 Td (47) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 540.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 540.22 Td (28) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 180.35 525.22 Td (100% to <425%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 525.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.37 525.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 525.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 525.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 525.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 172.00 510.22 Td (425% to <1,250%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.20 510.22 Td (SSF) Tj ET Q q 0 0 0 rg BT 300.10 510.22 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 510.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 510.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 510.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.30 495.27 Td (1,250) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.35 495.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.30 495.27 Td (1,250) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.35 495.22 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 495.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.90 495.22 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 495.22 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 480.22 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 480.22 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 337.25 480.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.85 480.22 Td (3,379) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 421.25 480.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 471.20 480.22 Td (444) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 511.25 480.22 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 546.75 480.22 Td (28) Tj ET Q BT /F1 10.00 Tf ET BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 447.30 Td (Independent ) Tj ET Q q 0 0 0 rg BT 128.67 447.30 Td (Review ) Tj ET Q q 0 0 0 rg BT 173.36 447.30 Td (and ) Tj ET Q q 0 0 0 rg BT 198.02 447.30 Td (V) Tj ET Q q 0 0 0 rg BT 205.37 447.30 Td (erification) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 418.50 Td (Independent ) Tj ET Q q 0 0 0 rg BT 123.18 418.50 Td (oversight ) Tj ET Q q 0 0 0 rg BT 174.32 418.50 Td (and ) Tj ET Q q 0 0 0 rg BT 196.79 418.50 Td (review ) Tj ET Q q 0 0 0 rg BT 233.91 418.50 Td (of ) Tj ET Q q 0 0 0 rg BT 246.37 418.50 Td (the ) Tj ET Q q 0 0 0 rg BT 265.50 418.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 299.96 418.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 325.74 418.50 Td (Framework ) Tj ET Q q 0 0 0 rg BT 388.19 418.50 Td (is ) Tj ET Q q 0 0 0 rg BT 399.31 418.50 Td (provided ) Tj ET Q q 0 0 0 rg BT 447.79 418.50 Td (by ) Tj ET Q q 0 0 0 rg BT 462.91 418.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 488.69 418.50 Td (Control. ) Tj ET Q q 0 0 0 rg BT 533.15 418.50 Td (Refer ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 404.10 Td (to ) Tj ET Q q 0 0 0 rg BT 67.64 404.10 Td (Independent ) Tj ET Q q 0 0 0 rg BT 138.00 404.10 Td (Review ) Tj ET Q q 0 0 0 rg BT 180.98 404.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.63 404.10 Td (V) Tj ET Q q 0 0 0 rg BT 211.98 404.10 Td (erification ) Tj ET Q q 0 0 0 rg BT 266.97 404.10 Td (within ) Tj ET Q q 0 0 0 rg BT 301.28 404.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.59 404.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 348.55 404.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 422.23 404.10 Td (Overview ) Tj ET Q q 0 0 0 rg BT 475.87 404.10 Td (section ) Tj ET Q q 0 0 0 rg BT 517.52 404.10 Td (for ) Tj ET Q q 0 0 0 rg BT 535.16 404.10 Td (more ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 389.70 Td (information. ) Tj ET Q q 0 0 0 rg BT 120.03 389.70 Td ( ) Tj ET Q q 0 0 0 rg BT 123.36 389.70 Td ( ) Tj ET Q q 0 0 0 rg BT 126.70 389.70 Td ( ) Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (27 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Equities Not Subject to the Market Risk Rule) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 678.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.79 678.65 Td (T) Tj ET Q q 0 0 0 rg BT 110.68 678.65 Td (rust) Tj ET Q q 0 0 0 rg BT 133.13 678.65 Td (s ) Tj ET Q q 0 0 0 rg BT 142.45 678.65 Td (equity ) Tj ET Q q 0 0 0 rg BT 177.79 678.65 Td (investments ) Tj ET Q q 0 0 0 rg BT 245.14 678.65 Td (that ) Tj ET Q q 0 0 0 rg BT 268.48 678.65 Td (are ) Tj ET Q q 0 0 0 rg BT 289.14 678.65 Td (not ) Tj ET Q q 0 0 0 rg BT 309.14 678.65 Td (subject ) Tj ET Q q 0 0 0 rg BT 350.49 678.65 Td (to ) Tj ET Q q 0 0 0 rg BT 363.81 678.65 Td (the ) Tj ET Q q 0 0 0 rg BT 383.82 678.65 Td (Market ) Tj ET Q q 0 0 0 rg BT 423.81 678.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 450.46 678.65 Td (Rule ) Tj ET Q q 0 0 0 rg BT 478.46 678.65 Td (are ) Tj ET Q q 0 0 0 rg BT 499.13 678.65 Td (entered ) Tj ET Q q 0 0 0 rg BT 543.15 678.65 Td (into ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 70.42 664.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 103.50 664.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 155.27 664.25 Td (business ) Tj ET Q q 0 0 0 rg BT 209.04 664.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 248.14 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 274.57 664.25 Td (for ) Tj ET Q q 0 0 0 rg BT 294.99 664.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 354.76 664.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 421.86 664.25 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 480.97 664.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 518.73 664.25 Td (than ) Tj ET Q q 0 0 0 rg BT 548.50 664.25 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 649.85 Td (generating ) Tj ET Q q 0 0 0 rg BT 114.05 649.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 152.07 649.85 Td (gains. ) Tj ET Q q 0 0 0 rg BT 187.42 649.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 77.31 622.25 Td (following ) Tj ET Q q 0 0 0 rg BT 126.64 622.25 Td (table ) Tj ET Q q 0 0 0 rg BT 155.29 622.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 203.95 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.27 622.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 268.58 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 291.24 622.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 310.54 622.25 Td (values, ) Tj ET Q q 0 0 0 rg BT 351.20 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 373.85 622.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 433.85 622.25 Td (risk-weights, ) Tj ET Q q 0 0 0 rg BT 503.17 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 515.81 622.25 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 607.85 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 607.85 Td (rust) Tj ET Q q 0 0 0 rg BT 83.34 607.85 Td (s ) Tj ET Q q 0 0 0 rg BT 92.67 607.85 Td (equity ) Tj ET Q q 0 0 0 rg BT 128.03 607.85 Td (investments ) Tj ET Q q 0 0 0 rg BT 195.39 607.85 Td (that ) Tj ET Q q 0 0 0 rg BT 218.74 607.85 Td (are ) Tj ET Q q 0 0 0 rg BT 239.41 607.85 Td (not ) Tj ET Q q 0 0 0 rg BT 259.43 607.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 300.79 607.85 Td (to ) Tj ET Q q 0 0 0 rg BT 314.13 607.85 Td (the ) Tj ET Q q 0 0 0 rg BT 334.14 607.85 Td (Market ) Tj ET Q q 0 0 0 rg BT 374.15 607.85 Td (Risk ) Tj ET Q q 0 0 0 rg BT 400.82 607.85 Td (Rule ) Tj ET Q q 0 0 0 rg BT 428.83 607.85 Td (as ) Tj ET Q q 0 0 0 rg BT 444.84 607.85 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 458.18 607.85 Td (March31, ) Tj ET Q q 0 0 0 rg BT 514.87 607.85 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 541.56 607.85 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 579.05 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 579.05 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 579.05 Td (17: ) Tj ET Q q 0 0 0 rg BT 108.46 579.05 Td (Equities ) Tj ET Q q 0 0 0 rg BT 158.47 579.05 Td (Not ) Tj ET Q q 0 0 0 rg BT 181.80 579.05 Td (Subject ) Tj ET Q q 0 0 0 rg BT 228.47 579.05 Td (to ) Tj ET Q q 0 0 0 rg BT 243.13 579.05 Td (the ) Tj ET Q q 0 0 0 rg BT 264.47 579.05 Td (Market ) Tj ET Q q 0 0 0 rg BT 306.49 579.05 Td (Risk ) Tj ET Q q 0 0 0 rg BT 335.17 579.05 Td (Rule) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 568.55 202.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 255.75 568.55 94.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 349.75 568.55 212.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 553.55 202.00 -22.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 255.75 553.55 187.00 -22.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 442.75 553.55 119.00 -22.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 568.55 m 53.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 568.55 m 255.75 568.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.75 568.55 m 349.75 568.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 568.55 m 442.75 568.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 553.55 m 442.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 568.55 m 467.75 568.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 553.55 m 467.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 568.55 m 561.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 568.55 m 561.75 568.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 553.55 m 561.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 553.55 m 53.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 553.55 m 255.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 531.55 m 255.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.75 553.55 m 349.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.75 531.55 m 349.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 553.55 m 442.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 531.55 m 442.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 553.55 m 467.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 531.55 m 467.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 553.55 m 561.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 553.55 m 561.75 553.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 531.55 m 561.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 531.55 m 53.75 516.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 531.55 m 255.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.75 531.55 m 349.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 531.55 m 442.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 531.55 m 467.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 531.55 m 561.75 516.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 531.55 m 561.75 531.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 516.55 m 53.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 516.55 m 561.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 501.55 m 53.75 486.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 501.55 m 255.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 486.55 m 255.75 486.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.75 501.55 m 349.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.75 486.55 m 349.75 486.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 501.55 m 442.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.75 486.55 m 442.75 486.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 501.55 m 467.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 486.55 m 467.75 486.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 501.55 m 561.75 486.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 501.55 m 561.75 501.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 486.55 m 561.75 486.55 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 558.17 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 558.17 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.45 543.77 Td (Carrying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.40 533.82 Td (V) Tj ET Q q 0 0 0 rg BT 420.33 533.82 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.00 543.77 Td (Fair ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.40 533.82 Td (V) Tj ET Q q 0 0 0 rg BT 539.33 533.82 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 521.17 Td (Non-publicly ) Tj ET Q q 0 0 0 rg BT 113.96 521.17 Td (T) Tj ET Q q 0 0 0 rg BT 119.79 521.17 Td (raded) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.25 521.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.20 521.17 Td (893) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.25 521.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 521.17 Td (893) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 506.17 Td (Publicly ) Tj ET Q q 0 0 0 rg BT 93.31 506.17 Td (T) Tj ET Q q 0 0 0 rg BT 99.04 506.17 Td (raded) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.75 506.17 Td (1) Tj ET Q q 0 0 0 rg BT 433.31 506.17 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 506.17 Td (1) Tj ET Q q 0 0 0 rg BT 552.31 506.17 Td (1) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 491.17 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 491.17 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 352.25 491.17 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 422.20 491.17 Td (904) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.25 491.17 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 541.20 491.17 Td (904) Tj ET Q BT /F1 10.00 Tf ET 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 476.55 122.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 175.75 476.55 65.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 240.75 476.55 321.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 461.55 122.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 175.75 461.55 152.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 327.75 461.55 121.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 448.75 461.55 113.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 476.55 m 53.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 476.55 m 175.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 476.55 m 240.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 476.55 m 327.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 461.55 m 327.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 476.55 m 372.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 461.55 m 372.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 476.55 m 448.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 461.55 m 448.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 476.55 m 493.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 461.55 m 493.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 476.55 m 561.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 476.55 m 561.75 476.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 461.55 m 561.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 461.55 m 53.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 461.55 m 175.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 436.55 m 175.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 461.55 m 240.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 436.55 m 240.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 461.55 m 327.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 436.55 m 327.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 461.55 m 372.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 436.55 m 372.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 461.55 m 448.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 436.55 m 448.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 461.55 m 493.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 436.55 m 493.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 461.55 m 561.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 461.55 m 561.75 461.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 436.55 m 561.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 436.55 m 53.75 421.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 436.55 m 175.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 436.55 m 240.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 436.55 m 327.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 436.55 m 372.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 436.55 m 448.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 436.55 m 493.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 436.55 m 561.75 421.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 436.55 m 561.75 436.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 421.55 m 53.75 406.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 421.55 m 561.75 406.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 406.55 m 53.75 391.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 406.55 m 561.75 391.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 391.55 m 53.75 376.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 391.55 m 561.75 376.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 376.55 m 53.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 361.55 m 175.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 361.55 m 240.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 361.55 m 372.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 361.55 m 493.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 376.55 m 561.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 361.55 m 53.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 361.55 m 175.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 346.55 m 175.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 361.55 m 240.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.75 346.55 m 240.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 361.55 m 327.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.75 346.55 m 327.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 361.55 m 372.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.75 346.55 m 372.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 361.55 m 448.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 346.55 m 448.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 361.55 m 493.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.75 346.55 m 493.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 361.55 m 561.75 346.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 361.55 m 561.75 361.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 346.55 m 561.75 346.55 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 466.17 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 466.17 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 441.17 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 88.37 441.17 Td (eights) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.45 451.17 Td (Carrying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.40 441.17 Td (V) Tj ET Q q 0 0 0 rg BT 305.33 441.17 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.40 451.17 Td (Risk-W) Tj ET Q q 0 0 0 rg BT 412.43 451.17 Td (eighted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.55 441.17 Td (Asset ) Tj ET Q q 0 0 0 rg BT 410.79 441.17 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.10 451.17 Td (Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.95 441.17 Td (Requirement) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 426.17 Td (0%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.25 426.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.75 426.17 Td (53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.25 426.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.90 426.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.25 426.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 426.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 411.17 Td (20%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.20 411.17 Td (215) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.75 411.17 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.30 411.17 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 396.17 Td (100%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.20 396.17 Td (603) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.20 396.17 Td (603) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 396.17 Td (48) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 381.17 Td (400%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.90 381.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.90 381.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.90 381.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 366.17 Td (1,250%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.75 366.17 Td (33) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.20 366.17 Td (417) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 366.17 Td (33) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.25 351.17 Td (T) Tj ET Q q 0 0 0 rg BT 61.62 351.17 Td (otal) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 243.25 351.17 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 307.20 351.17 Td (904) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 375.25 351.17 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 419.85 351.17 Td (1,063) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 496.25 351.17 Td ($) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 546.75 351.17 Td (84) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 318.25 Td (During ) Tj ET Q q 0 0 0 rg BT 91.94 318.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.22 318.25 Td (three ) Tj ET Q q 0 0 0 rg BT 141.16 318.25 Td (months ) Tj ET Q q 0 0 0 rg BT 183.11 318.25 Td (ended ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 219.07 318.25 Td (March31, ) Tj ET Q q 0 0 0 rg BT 275.02 318.25 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 301.71 318.25 Td (, ) Tj ET Q q 0 0 0 rg BT 307.64 318.25 Td (there ) Tj ET Q q 0 0 0 rg BT 337.59 318.25 Td (were ) Tj ET Q q 0 0 0 rg BT 366.19 318.25 Td (no ) Tj ET Q q 0 0 0 rg BT 382.13 318.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 426.75 318.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 458.03 318.25 Td (or ) Tj ET Q q 0 0 0 rg BT 471.29 318.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 507.90 318.25 Td (from ) Tj ET Q q 0 0 0 rg BT 534.49 318.25 Td (sales ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 303.85 Td (or ) Tj ET Q q 0 0 0 rg BT 68.83 303.85 Td (liquidations, ) Tj ET Q q 0 0 0 rg BT 136.36 303.85 Td (no ) Tj ET Q q 0 0 0 rg BT 153.86 303.85 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 213.39 303.85 Td (gains ) Tj ET Q q 0 0 0 rg BT 246.23 303.85 Td (or ) Tj ET Q q 0 0 0 rg BT 261.06 303.85 Td (losses ) Tj ET Q q 0 0 0 rg BT 299.23 303.85 Td (recognized ) Tj ET Q q 0 0 0 rg BT 362.09 303.85 Td (on ) Tj ET Q q 0 0 0 rg BT 379.59 303.85 Td (the ) Tj ET Q q 0 0 0 rg BT 400.43 303.85 Td (balance ) Tj ET Q q 0 0 0 rg BT 446.62 303.85 Td (sheet ) Tj ET Q q 0 0 0 rg BT 480.13 303.85 Td (but ) Tj ET Q q 0 0 0 rg BT 500.97 303.85 Td (not ) Tj ET Q q 0 0 0 rg BT 521.81 303.85 Td (through ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 289.45 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 106.70 289.45 Td (and ) Tj ET Q q 0 0 0 rg BT 130.05 289.45 Td (no ) Tj ET Q q 0 0 0 rg BT 146.74 289.45 Td (latent ) Tj ET Q q 0 0 0 rg BT 179.43 289.45 Td (revaluation ) Tj ET Q q 0 0 0 rg BT 241.46 289.45 Td (gains ) Tj ET Q q 0 0 0 rg BT 273.49 289.45 Td (or ) Tj ET Q q 0 0 0 rg BT 287.49 289.45 Td (losses.) Tj ET Q endstream endobj 63 0 obj <> endobj 64 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (28 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Operational Risk) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (Operational ) Tj ET Q q 0 0 0 rg BT 118.68 681.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 139.98 681.05 Td (is ) Tj ET Q q 0 0 0 rg BT 151.28 681.05 Td (the ) Tj ET Q q 0 0 0 rg BT 170.60 681.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 191.90 681.05 Td (of ) Tj ET Q q 0 0 0 rg BT 204.55 681.05 Td (loss ) Tj ET Q q 0 0 0 rg BT 228.53 681.05 Td (from ) Tj ET Q q 0 0 0 rg BT 255.17 681.05 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 317.20 681.05 Td (or ) Tj ET Q q 0 0 0 rg BT 330.51 681.05 Td (failed ) Tj ET Q q 0 0 0 rg BT 361.83 681.05 Td (internal ) Tj ET Q q 0 0 0 rg BT 403.83 681.05 Td (processes, ) Tj ET Q q 0 0 0 rg BT 464.49 681.05 Td (human ) Tj ET Q q 0 0 0 rg BT 503.82 681.05 Td (factors ) Tj ET Q q 0 0 0 rg BT 542.47 681.05 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 666.65 Td (systems, ) Tj ET Q q 0 0 0 rg BT 103.13 666.65 Td (or ) Tj ET Q q 0 0 0 rg BT 115.59 666.65 Td (from ) Tj ET Q q 0 0 0 rg BT 141.38 666.65 Td (external ) Tj ET Q q 0 0 0 rg BT 185.86 666.65 Td (events. ) Tj ET Q q 0 0 0 rg BT 226.34 666.65 Td (Operational ) Tj ET Q q 0 0 0 rg BT 290.17 666.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 310.62 666.65 Td (is ) Tj ET Q q 0 0 0 rg BT 321.08 666.65 Td (inherent ) Tj ET Q q 0 0 0 rg BT 366.24 666.65 Td (in ) Tj ET Q q 0 0 0 rg BT 377.37 666.65 Td (each ) Tj ET Q q 0 0 0 rg BT 405.18 666.65 Td (of ) Tj ET Q q 0 0 0 rg BT 416.98 666.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 465.34 666.65 Td (T) Tj ET Q q 0 0 0 rg BT 472.22 666.65 Td (rust) Tj ET Q q 0 0 0 rg BT 494.68 666.65 Td (s ) Tj ET Q q 0 0 0 rg BT 502.47 666.65 Td (businesses ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 77.56 652.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 131.79 652.25 Td (functions ) Tj ET Q q 0 0 0 rg BT 183.35 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.90 652.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.12 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.33 652.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 318.24 652.25 Td (for ) Tj ET Q q 0 0 0 rg BT 335.77 652.25 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 398.70 652.25 Td (information ) Tj ET Q q 0 0 0 rg BT 461.59 652.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 512.47 652.25 Td (operating ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (problems, ) Tj ET Q q 0 0 0 rg BT 109.56 637.85 Td (product ) Tj ET Q q 0 0 0 rg BT 152.45 637.85 Td (design ) Tj ET Q q 0 0 0 rg BT 190.68 637.85 Td (and ) Tj ET Q q 0 0 0 rg BT 213.58 637.85 Td (delivery ) Tj ET Q q 0 0 0 rg BT 257.80 637.85 Td (dif) Tj ET Q q 0 0 0 rg BT 270.25 637.85 Td (ficulties, ) Tj ET Q q 0 0 0 rg BT 316.47 637.85 Td (potential ) Tj ET Q q 0 0 0 rg BT 364.71 637.85 Td (legal ) Tj ET Q q 0 0 0 rg BT 392.93 637.85 Td (actions, ) Tj ET Q q 0 0 0 rg BT 437.16 637.85 Td (or ) Tj ET Q q 0 0 0 rg BT 450.70 637.85 Td (other ) Tj ET Q q 0 0 0 rg BT 480.92 637.85 Td (catastrophes ) Tj ET Q q 0 0 0 rg BT 552.50 637.85 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 623.45 Td (result ) Tj ET Q q 0 0 0 rg BT 86.68 623.45 Td (in ) Tj ET Q q 0 0 0 rg BT 99.35 623.45 Td (losses. ) Tj ET Q q 0 0 0 rg BT 140.03 623.45 Td (Operational ) Tj ET Q q 0 0 0 rg BT 205.41 623.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 227.40 623.45 Td (includes:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 594.65 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 594.65 Td (execution, ) Tj ET Q q 0 0 0 rg BT 148.04 594.65 Td (delivery ) Tj ET Q q 0 0 0 rg BT 192.72 594.65 Td (and ) Tj ET Q q 0 0 0 rg BT 216.08 594.65 Td (process ) Tj ET Q q 0 0 0 rg BT 261.43 594.65 Td (management ) Tj ET Q q 0 0 0 rg BT 334.80 594.65 Td (risk;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 580.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 580.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 112.00 580.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 160.69 580.25 Td (from ) Tj ET Q q 0 0 0 rg BT 188.02 580.25 Td (business ) Tj ET Q q 0 0 0 rg BT 238.72 580.25 Td (disruption ) Tj ET Q q 0 0 0 rg BT 294.08 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.44 580.25 Td (system ) Tj ET Q q 0 0 0 rg BT 358.78 580.25 Td (failures;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 565.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 565.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 112.00 565.85 Td (of ) Tj ET Q q 0 0 0 rg BT 125.34 565.85 Td (damage ) Tj ET Q q 0 0 0 rg BT 172.04 565.85 Td (to ) Tj ET Q q 0 0 0 rg BT 185.38 565.85 Td (physical ) Tj ET Q q 0 0 0 rg BT 232.07 565.85 Td (assets;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 551.45 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 551.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 112.00 551.45 Td (resulting ) Tj ET Q q 0 0 0 rg BT 160.69 551.45 Td (from ) Tj ET Q q 0 0 0 rg BT 188.02 551.45 Td (clients, ) Tj ET Q q 0 0 0 rg BT 228.70 551.45 Td (products ) Tj ET Q q 0 0 0 rg BT 278.06 551.45 Td (and ) Tj ET Q q 0 0 0 rg BT 301.42 551.45 Td (business ) Tj ET Q q 0 0 0 rg BT 352.11 551.45 Td (practices;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 537.05 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 537.05 Td (employment ) Tj ET Q q 0 0 0 rg BT 158.70 537.05 Td (practice ) Tj ET Q q 0 0 0 rg BT 204.05 537.05 Td (and ) Tj ET Q q 0 0 0 rg BT 227.40 537.05 Td (workplace ) Tj ET Q q 0 0 0 rg BT 284.76 537.05 Td (safety ) Tj ET Q q 0 0 0 rg BT 320.11 537.05 Td (risk;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 522.65 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 522.65 Td (internal ) Tj ET Q q 0 0 0 rg BT 132.69 522.65 Td (fraud ) Tj ET Q q 0 0 0 rg BT 163.38 522.65 Td (risk;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 508.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 508.25 Td (external ) Tj ET Q q 0 0 0 rg BT 136.03 508.25 Td (fraud ) Tj ET Q q 0 0 0 rg BT 166.71 508.25 Td (risk;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 493.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 493.85 Td (compliance ) Tj ET Q q 0 0 0 rg BT 154.03 493.85 Td (risk;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 479.45 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 479.45 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 138.02 479.45 Td (risk; ) Tj ET Q q 0 0 0 rg BT 163.35 479.45 Td (and) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 465.05 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 465.05 Td (legal ) Tj ET Q q 0 0 0 rg BT 118.69 465.05 Td (risk.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 436.25 Td (Operational ) Tj ET Q q 0 0 0 rg BT 118.86 436.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 140.34 436.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 187.19 436.25 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 254.04 436.25 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 301.54 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 324.38 436.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 352.55 436.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 383.37 436.25 Td (which ) Tj ET Q q 0 0 0 rg BT 416.87 436.25 Td (under ) Tj ET Q q 0 0 0 rg BT 450.38 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.88 436.25 Td (Corporation) Tj ET Q q 0 0 0 rg BT 535.03 436.25 Td (s ) Tj ET Q q 0 0 0 rg BT 543.85 436.25 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 421.85 Td (structure ) Tj ET Q q 0 0 0 rg BT 104.02 421.85 Td (are ) Tj ET Q q 0 0 0 rg BT 124.69 421.85 Td (governed ) Tj ET Q q 0 0 0 rg BT 178.07 421.85 Td (and ) Tj ET Q q 0 0 0 rg BT 201.42 421.85 Td (managed ) Tj ET Q q 0 0 0 rg BT 254.79 421.85 Td (explicitly) Tj ET Q q 0 0 0 rg BT 299.25 421.85 Td (. ) Tj ET Q q 0 0 0 rg BT 305.92 421.85 Td ( ) Tj ET Q q 0 0 0 rg BT 309.25 421.85 Td ( ) Tj ET Q q 0 0 0 rg BT 312.59 421.85 Td ( ) Tj ET Q q 0 0 0 rg BT 315.92 421.85 Td ( ) Tj ET Q q 0 0 0 rg BT 319.25 421.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 393.05 Td ( ) Tj ET Q q 0 0 0 rg BT 57.33 393.05 Td (Northern ) Tj ET Q q 0 0 0 rg BT 107.14 393.05 Td (T) Tj ET Q q 0 0 0 rg BT 114.02 393.05 Td (rust) Tj ET Q q 0 0 0 rg BT 136.48 393.05 Td (s ) Tj ET Q q 0 0 0 rg BT 145.81 393.05 Td (operational ) Tj ET Q q 0 0 0 rg BT 208.52 393.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 230.52 393.05 Td (management ) Tj ET Q q 0 0 0 rg BT 303.90 393.05 Td (strategy ) Tj ET Q q 0 0 0 rg BT 349.92 393.05 Td (is ) Tj ET Q q 0 0 0 rg BT 361.92 393.05 Td (to:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 378.65 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 378.65 Td (align ) Tj ET Q q 0 0 0 rg BT 118.54 378.65 Td (the ) Tj ET Q q 0 0 0 rg BT 138.41 378.65 Td (operational ) Tj ET Q q 0 0 0 rg BT 200.98 378.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 222.83 378.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 282.03 378.65 Td (with ) Tj ET Q q 0 0 0 rg BT 306.56 378.65 Td (evolving ) Tj ET Q q 0 0 0 rg BT 353.78 378.65 Td (business ) Tj ET Q q 0 0 0 rg BT 404.33 378.65 Td (and ) Tj ET Q q 0 0 0 rg BT 427.54 378.65 Td (industry ) Tj ET Q q 0 0 0 rg BT 472.74 378.65 Td (practice ) Tj ET Q q 0 0 0 rg BT 517.95 378.65 Td (and ) Tj ET Q q 0 0 0 rg BT 541.16 378.65 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 364.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 146.70 364.25 Td (requirements;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 349.85 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 349.85 Td (identify) Tj ET Q q 0 0 0 rg BT 127.13 349.85 Td (, ) Tj ET Q q 0 0 0 rg BT 133.80 349.85 Td (assess ) Tj ET Q q 0 0 0 rg BT 174.48 349.85 Td (and ) Tj ET Q q 0 0 0 rg BT 197.84 349.85 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 243.19 349.85 Td (risks ) Tj ET Q q 0 0 0 rg BT 271.18 349.85 Td (inherent ) Tj ET Q q 0 0 0 rg BT 317.88 349.85 Td (in ) Tj ET Q q 0 0 0 rg BT 330.56 349.85 Td (business ) Tj ET Q q 0 0 0 rg BT 381.25 349.85 Td (strategies;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 335.45 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 335.45 Td (promote ) Tj ET Q q 0 0 0 rg BT 137.20 335.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 159.04 335.45 Td (awareness ) Tj ET Q q 0 0 0 rg BT 220.25 335.45 Td (and ) Tj ET Q q 0 0 0 rg BT 243.45 335.45 Td (foster ) Tj ET Q q 0 0 0 rg BT 276.64 335.45 Td (a ) Tj ET Q q 0 0 0 rg BT 286.49 335.45 Td (proactive ) Tj ET Q q 0 0 0 rg BT 338.36 335.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 360.20 335.45 Td (management ) Tj ET Q q 0 0 0 rg BT 433.42 335.45 Td (environment ) Tj ET Q q 0 0 0 rg BT 502.63 335.45 Td (within ) Tj ET Q q 0 0 0 rg BT 536.49 335.45 Td (each ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 321.05 Td (business; ) Tj ET Q q 0 0 0 rg BT 144.03 321.05 Td (and) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 306.65 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 306.65 Td (report ) Tj ET Q q 0 0 0 rg BT 124.68 306.65 Td (key ) Tj ET Q q 0 0 0 rg BT 146.69 306.65 Td (topics ) Tj ET Q q 0 0 0 rg BT 181.37 306.65 Td (and ) Tj ET Q q 0 0 0 rg BT 204.73 306.65 Td (developments ) Tj ET Q q 0 0 0 rg BT 282.77 306.65 Td (to ) Tj ET Q q 0 0 0 rg BT 296.12 306.65 Td (senior ) Tj ET Q q 0 0 0 rg BT 332.13 306.65 Td (governance ) Tj ET Q q 0 0 0 rg BT 398.18 306.65 Td (bodies.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 277.85 Td (The ) Tj ET Q q 0 0 0 rg BT 79.07 277.85 Td (goal ) Tj ET Q q 0 0 0 rg BT 106.15 277.85 Td (of ) Tj ET Q q 0 0 0 rg BT 120.54 277.85 Td (these ) Tj ET Q q 0 0 0 rg BT 154.29 277.85 Td (activities ) Tj ET Q q 0 0 0 rg BT 204.70 277.85 Td (is ) Tj ET Q q 0 0 0 rg BT 217.75 277.85 Td (to ) Tj ET Q q 0 0 0 rg BT 232.15 277.85 Td (keep ) Tj ET Q q 0 0 0 rg BT 262.56 277.85 Td (the ) Tj ET Q q 0 0 0 rg BT 283.63 277.85 Td (operational ) Tj ET Q q 0 0 0 rg BT 347.40 277.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 370.46 277.85 Td (profile ) Tj ET Q q 0 0 0 rg BT 407.53 277.85 Td (and ) Tj ET Q q 0 0 0 rg BT 431.94 277.85 Td (losses ) Tj ET Q q 0 0 0 rg BT 470.35 277.85 Td (within ) Tj ET Q q 0 0 0 rg BT 505.42 277.85 Td (the ) Tj ET Q q 0 0 0 rg BT 526.49 277.85 Td (Board-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 263.45 Td (approved ) Tj ET Q q 0 0 0 rg BT 107.37 263.45 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 164.07 263.45 Td (Risk ) Tj ET Q q 0 0 0 rg BT 190.07 263.45 Td (Appetite ) Tj ET Q q 0 0 0 rg BT 237.44 263.45 Td (Statement ) Tj ET Q q 0 0 0 rg BT 295.47 263.45 Td (and ) Tj ET Q q 0 0 0 rg BT 318.83 263.45 Td (guidelines. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 234.65 Td (Risk ) Tj ET Q q 0 0 0 rg BT 80.67 234.65 Td (Control ) Tj ET Q q 0 0 0 rg BT 122.68 234.65 Td (provides ) Tj ET Q q 0 0 0 rg BT 171.38 234.65 Td (independent ) Tj ET Q q 0 0 0 rg BT 240.77 234.65 Td (oversight ) Tj ET Q q 0 0 0 rg BT 292.80 234.65 Td (and ) Tj ET Q q 0 0 0 rg BT 316.15 234.65 Td (review ) Tj ET Q q 0 0 0 rg BT 354.16 234.65 Td (of ) Tj ET Q q 0 0 0 rg BT 367.51 234.65 Td (the ) Tj ET Q q 0 0 0 rg BT 387.52 234.65 Td (operational ) Tj ET Q q 0 0 0 rg BT 450.23 234.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 472.23 234.65 Td (framework.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 205.85 Td (Operational ) Tj ET Q q 0 0 0 rg BT 119.37 205.85 Td (Risk ) Tj ET Q q 0 0 0 rg BT 146.04 205.85 Td (Framework ) Tj ET Q q 0 0 0 rg BT 209.38 205.85 Td (and ) Tj ET Q q 0 0 0 rg BT 232.73 205.85 Td (Governance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 177.05 Td (Operational ) Tj ET Q q 0 0 0 rg BT 118.12 177.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 138.86 177.05 Td (is ) Tj ET Q q 0 0 0 rg BT 149.60 177.05 Td (identified, ) Tj ET Q q 0 0 0 rg BT 203.05 177.05 Td (monitored, ) Tj ET Q q 0 0 0 rg BT 261.82 177.05 Td (measured, ) Tj ET Q q 0 0 0 rg BT 320.60 177.05 Td (managed ) Tj ET Q q 0 0 0 rg BT 372.72 177.05 Td (and ) Tj ET Q q 0 0 0 rg BT 394.82 177.05 Td (reported ) Tj ET Q q 0 0 0 rg BT 441.59 177.05 Td (through ) Tj ET Q q 0 0 0 rg BT 484.37 177.05 Td (the ) Tj ET Q q 0 0 0 rg BT 503.13 177.05 Td (operational ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 162.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 77.20 162.65 Td (framework. ) Tj ET Q q 0 0 0 rg BT 140.79 162.65 Td (The ) Tj ET Q q 0 0 0 rg BT 166.01 162.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 226.57 162.65 Td (consists ) Tj ET Q q 0 0 0 rg BT 274.46 162.65 Td (of ) Tj ET Q q 0 0 0 rg BT 289.01 162.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 312.21 162.65 Td (management ) Tj ET Q q 0 0 0 rg BT 386.79 162.65 Td (policies, ) Tj ET Q q 0 0 0 rg BT 434.69 162.65 Td (programs ) Tj ET Q q 0 0 0 rg BT 489.92 162.65 Td (and ) Tj ET Q q 0 0 0 rg BT 514.48 162.65 Td (practices ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 148.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 106.45 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 120.20 148.25 Td (promote ) Tj ET Q q 0 0 0 rg BT 167.96 148.25 Td (a ) Tj ET Q q 0 0 0 rg BT 178.37 148.25 Td (sound ) Tj ET Q q 0 0 0 rg BT 214.80 148.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 277.92 148.25 Td (environment. ) Tj ET Q q 0 0 0 rg BT 350.79 148.25 Td (The ) Tj ET Q q 0 0 0 rg BT 375.20 148.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 434.95 148.25 Td (is ) Tj ET Q q 0 0 0 rg BT 447.36 148.25 Td (deployed ) Tj ET Q q 0 0 0 rg BT 499.81 148.25 Td (consistently ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 133.85 Td (and ) Tj ET Q q 0 0 0 rg BT 78.35 133.85 Td (globally ) Tj ET Q q 0 0 0 rg BT 123.37 133.85 Td (across ) Tj ET Q q 0 0 0 rg BT 163.04 133.85 Td (all ) Tj ET Q q 0 0 0 rg BT 179.37 133.85 Td (businesses ) Tj ET Q q 0 0 0 rg BT 243.74 133.85 Td (and ) Tj ET Q q 0 0 0 rg BT 268.08 133.85 Td (its ) Tj ET Q q 0 0 0 rg BT 284.41 133.85 Td (objective ) Tj ET Q q 0 0 0 rg BT 336.10 133.85 Td (is ) Tj ET Q q 0 0 0 rg BT 349.09 133.85 Td (to ) Tj ET Q q 0 0 0 rg BT 363.43 133.85 Td (identify ) Tj ET Q q 0 0 0 rg BT 405.78 133.85 Td (and ) Tj ET Q q 0 0 0 rg BT 430.13 133.85 Td (measure ) Tj ET Q q 0 0 0 rg BT 481.14 133.85 Td (the ) Tj ET Q q 0 0 0 rg BT 502.15 133.85 Td (factors ) Tj ET Q q 0 0 0 rg BT 542.49 133.85 Td (that ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 119.45 Td (influence ) Tj ET Q q 0 0 0 rg BT 105.92 119.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 128.47 119.45 Td (and ) Tj ET Q q 0 0 0 rg BT 152.37 119.45 Td (drive ) Tj ET Q q 0 0 0 rg BT 182.27 119.45 Td (action ) Tj ET Q q 0 0 0 rg BT 218.17 119.45 Td (to ) Tj ET Q q 0 0 0 rg BT 232.06 119.45 Td (reduce ) Tj ET Q q 0 0 0 rg BT 272.64 119.45 Td (future ) Tj ET Q q 0 0 0 rg BT 307.21 119.45 Td (loss ) Tj ET Q q 0 0 0 rg BT 332.43 119.45 Td (events. ) Tj ET Q q 0 0 0 rg BT 374.75 119.45 Td (The ) Tj ET Q q 0 0 0 rg BT 399.32 119.45 Td (Operational ) Tj ET Q q 0 0 0 rg BT 465.24 119.45 Td (Risk ) Tj ET Q q 0 0 0 rg BT 492.46 119.45 Td (Management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 105.05 Td (function ) Tj ET Q q 0 0 0 rg BT 101.02 105.05 Td (is ) Tj ET Q q 0 0 0 rg BT 114.67 105.05 Td (responsible ) Tj ET Q q 0 0 0 rg BT 181.04 105.05 Td (for ) Tj ET Q q 0 0 0 rg BT 200.03 105.05 Td (defining ) Tj ET Q q 0 0 0 rg BT 247.05 105.05 Td (the ) Tj ET Q q 0 0 0 rg BT 268.73 105.05 Td (operational ) Tj ET Q q 0 0 0 rg BT 333.09 105.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 356.75 105.05 Td (framework ) Tj ET Q q 0 0 0 rg BT 417.75 105.05 Td (and ) Tj ET Q q 0 0 0 rg BT 442.76 105.05 Td (providing ) Tj ET Q q 0 0 0 rg BT 496.44 105.05 Td (independent ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 90.65 Td (oversight ) Tj ET Q q 0 0 0 rg BT 107.72 90.65 Td (of ) Tj ET Q q 0 0 0 rg BT 122.76 90.65 Td (the ) Tj ET Q q 0 0 0 rg BT 144.47 90.65 Td (framework ) Tj ET Q q 0 0 0 rg BT 205.51 90.65 Td (across ) Tj ET Q q 0 0 0 rg BT 245.88 90.65 Td (Northern ) Tj ET Q q 0 0 0 rg BT 297.27 90.65 Td (T) Tj ET Q q 0 0 0 rg BT 304.15 90.65 Td (rust. ) Tj ET Q q 0 0 0 rg BT 332.52 90.65 Td (It ) Tj ET Q q 0 0 0 rg BT 344.22 90.65 Td (is ) Tj ET Q q 0 0 0 rg BT 357.91 90.65 Td (the ) Tj ET Q q 0 0 0 rg BT 379.62 90.65 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 454.01 90.65 Td (of ) Tj ET Q q 0 0 0 rg BT 469.05 90.65 Td (each ) Tj ET Q q 0 0 0 rg BT 500.10 90.65 Td (business ) Tj ET Q q 0 0 0 rg BT 552.49 90.65 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 76.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 115.79 76.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.90 76.25 Td (enterprise-wide ) Tj ET Q q 0 0 0 rg BT 227.37 76.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 293.18 76.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 318.28 76.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 380.72 76.25 Td (as ) Tj ET Q q 0 0 0 rg BT 399.83 76.25 Td (well ) Tj ET Q q 0 0 0 rg BT 426.93 76.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.04 76.25 Td (business-specific ) Tj ET Q q 0 0 0 rg BT 543.84 76.25 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 61.85 Td (management ) Tj ET Q q 0 0 0 rg BT 127.25 61.85 Td (programs ) Tj ET Q q 0 0 0 rg BT 181.13 61.85 Td (to ) Tj ET Q q 0 0 0 rg BT 194.35 61.85 Td (identify) Tj ET Q q 0 0 0 rg BT 231.48 61.85 Td (, ) Tj ET Q q 0 0 0 rg BT 238.01 61.85 Td (monitor) Tj ET Q q 0 0 0 rg BT 277.37 61.85 Td (, ) Tj ET Q q 0 0 0 rg BT 283.90 61.85 Td (measure, ) Tj ET Q q 0 0 0 rg BT 337.13 61.85 Td (manage ) Tj ET Q q 0 0 0 rg BT 383.70 61.85 Td (and ) Tj ET Q q 0 0 0 rg BT 406.92 61.85 Td (report ) Tj ET Q q 0 0 0 rg BT 441.47 61.85 Td (on ) Tj ET Q q 0 0 0 rg BT 458.02 61.85 Td (operational ) Tj ET Q q 0 0 0 rg BT 520.61 61.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 542.47 61.85 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 47.45 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 99.35 47.45 Td (Northern ) Tj ET Q q 0 0 0 rg BT 149.16 47.45 Td (T) Tj ET Q q 0 0 0 rg BT 156.04 47.45 Td (rust) Tj ET Q q 0 0 0 rg BT 178.49 47.45 Td (s ) Tj ET Q q 0 0 0 rg BT 187.83 47.45 Td (exposure ) Tj ET Q q 0 0 0 rg BT 240.53 47.45 Td (to ) Tj ET Q q 0 0 0 rg BT 253.87 47.45 Td (loss.) Tj ET Q endstream endobj 65 0 obj <> endobj 66 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (29 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Several ) Tj ET Q q 0 0 0 rg BT 98.02 711.30 Td (key ) Tj ET Q q 0 0 0 rg BT 120.03 711.30 Td (programs ) Tj ET Q q 0 0 0 rg BT 174.05 711.30 Td (support ) Tj ET Q q 0 0 0 rg BT 217.41 711.30 Td (the ) Tj ET Q q 0 0 0 rg BT 237.42 711.30 Td (operational ) Tj ET Q q 0 0 0 rg BT 300.13 711.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 322.13 711.30 Td (framework, ) Tj ET Q q 0 0 0 rg BT 384.81 711.30 Td (including:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 682.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 682.50 Td (Loss ) Tj ET Q q 0 0 0 rg BT 118.66 682.50 Td (Event ) Tj ET Q q 0 0 0 rg BT 152.65 682.50 Td (Data ) Tj ET Q q 0 0 0 rg BT 181.31 682.50 Td (Program ) Tj ET Q q 0 0 0 rg BT 230.63 682.50 Td (- ) Tj ET Q q 0 0 0 rg BT 237.93 682.50 Td (a ) Tj ET Q q 0 0 0 rg BT 247.91 682.50 Td (program ) Tj ET Q q 0 0 0 rg BT 295.90 682.50 Td (that ) Tj ET Q q 0 0 0 rg BT 319.23 682.50 Td (collects ) Tj ET Q q 0 0 0 rg BT 362.55 682.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 405.22 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 428.55 682.50 Td (external ) Tj ET Q q 0 0 0 rg BT 474.54 682.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 499.19 682.50 Td (data ) Tj ET Q q 0 0 0 rg BT 525.86 682.50 Td (for ) Tj ET Q q 0 0 0 rg BT 543.17 682.50 Td (use ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 668.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.05 668.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 164.80 668.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 228.89 668.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 252.27 668.10 Td (exposure, ) Tj ET Q q 0 0 0 rg BT 309.68 668.10 Td (various ) Tj ET Q q 0 0 0 rg BT 353.08 668.10 Td (business ) Tj ET Q q 0 0 0 rg BT 405.15 668.10 Td (analyses ) Tj ET Q q 0 0 0 rg BT 457.23 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.96 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.36 668.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 537.16 668.10 Td (AMA) Tj ET Q q 0 0 0 rg BT 562.50 668.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 653.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 128.14 653.70 Td (quantification. ) Tj ET Q q 0 0 0 rg BT 205.64 653.70 Td (Both ) Tj ET Q q 0 0 0 rg BT 233.78 653.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 276.59 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 300.07 653.70 Td (external ) Tj ET Q q 0 0 0 rg BT 346.21 653.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 371.00 653.70 Td (data ) Tj ET Q q 0 0 0 rg BT 397.81 653.70 Td (are ) Tj ET Q q 0 0 0 rg BT 418.61 653.70 Td (used ) Tj ET Q q 0 0 0 rg BT 448.08 653.70 Td (in ) Tj ET Q q 0 0 0 rg BT 460.87 653.70 Td (the ) Tj ET Q q 0 0 0 rg BT 481.01 653.70 Td (operational ) Tj ET Q q 0 0 0 rg BT 543.84 653.70 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 639.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 128.97 639.30 Td (quantification. ) Tj ET Q q 0 0 0 rg BT 207.02 639.30 Td (Thresholds ) Tj ET Q q 0 0 0 rg BT 270.66 639.30 Td (drive ) Tj ET Q q 0 0 0 rg BT 300.95 639.30 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 351.92 639.30 Td (action ) Tj ET Q q 0 0 0 rg BT 388.22 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 412.52 639.30 Td (escalation ) Tj ET Q q 0 0 0 rg BT 470.83 639.30 Td (through ) Tj ET Q q 0 0 0 rg BT 515.81 639.30 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 624.90 Td (T) Tj ET Q q 0 0 0 rg BT 96.88 624.90 Td (rust) Tj ET Q q 0 0 0 rg BT 119.34 624.90 Td (s ) Tj ET Q q 0 0 0 rg BT 128.67 624.90 Td (businesses ) Tj ET Q q 0 0 0 rg BT 192.04 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 215.40 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 235.41 624.90 Td (Operational ) Tj ET Q q 0 0 0 rg BT 300.79 624.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 327.45 624.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 400.83 624.90 Td (function.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 596.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 596.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 115.02 596.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.74 596.10 Td (Control ) Tj ET Q q 0 0 0 rg BT 177.12 596.10 Td (Self-Assessment ) Tj ET Q q 0 0 0 rg BT 268.84 596.10 Td (- ) Tj ET Q q 0 0 0 rg BT 274.53 596.10 Td (a ) Tj ET Q q 0 0 0 rg BT 282.89 596.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 337.94 596.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 358.30 596.10 Td (management ) Tj ET Q q 0 0 0 rg BT 430.03 596.10 Td (process ) Tj ET Q q 0 0 0 rg BT 473.74 596.10 Td (used ) Tj ET Q q 0 0 0 rg BT 501.46 596.10 Td (by ) Tj ET Q q 0 0 0 rg BT 515.82 596.10 Td (Northern ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 581.70 Td (T) Tj ET Q q 0 0 0 rg BT 96.88 581.70 Td (rust) Tj ET Q q 0 0 0 rg BT 119.34 581.70 Td (s ) Tj ET Q q 0 0 0 rg BT 131.36 581.70 Td (businesses ) Tj ET Q q 0 0 0 rg BT 197.42 581.70 Td (to ) Tj ET Q q 0 0 0 rg BT 213.45 581.70 Td (analyze ) Tj ET Q q 0 0 0 rg BT 260.84 581.70 Td (the ) Tj ET Q q 0 0 0 rg BT 283.55 581.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 314.23 581.70 Td (that ) Tj ET Q q 0 0 0 rg BT 340.27 581.70 Td (are ) Tj ET Q q 0 0 0 rg BT 363.64 581.70 Td (present ) Tj ET Q q 0 0 0 rg BT 409.69 581.70 Td (in ) Tj ET Q q 0 0 0 rg BT 425.05 581.70 Td (their ) Tj ET Q q 0 0 0 rg BT 454.42 581.70 Td (respective ) Tj ET Q q 0 0 0 rg BT 515.14 581.70 Td (business ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 567.30 Td (environments ) Tj ET Q q 0 0 0 rg BT 165.37 567.30 Td (and ) Tj ET Q q 0 0 0 rg BT 188.72 567.30 Td (to ) Tj ET Q q 0 0 0 rg BT 202.07 567.30 Td (assess ) Tj ET Q q 0 0 0 rg BT 242.75 567.30 Td (the ) Tj ET Q q 0 0 0 rg BT 262.76 567.30 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 318.14 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 331.48 567.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 392.19 567.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 434.88 567.30 Td (controls.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 538.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 538.50 Td (Operational ) Tj ET Q q 0 0 0 rg BT 156.57 538.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 184.44 538.50 Td (Scenario ) Tj ET Q q 0 0 0 rg BT 235.43 538.50 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 284.65 538.50 Td (- ) Tj ET Q q 0 0 0 rg BT 293.17 538.50 Td (a ) Tj ET Q q 0 0 0 rg BT 304.38 538.50 Td (systematic ) Tj ET Q q 0 0 0 rg BT 365.59 538.50 Td (process ) Tj ET Q q 0 0 0 rg BT 412.14 538.50 Td (of ) Tj ET Q q 0 0 0 rg BT 426.68 538.50 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 479.92 538.50 Td (expert ) Tj ET Q q 0 0 0 rg BT 517.80 538.50 Td (opinions ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 524.10 Td (from ) Tj ET Q q 0 0 0 rg BT 117.70 524.10 Td (business ) Tj ET Q q 0 0 0 rg BT 168.75 524.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 225.81 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.53 524.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 271.88 524.10 Td (management ) Tj ET Q q 0 0 0 rg BT 345.62 524.10 Td (experts ) Tj ET Q q 0 0 0 rg BT 388.67 524.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.37 524.10 Td (derive ) Tj ET Q q 0 0 0 rg BT 438.75 524.10 Td (reasoned ) Tj ET Q q 0 0 0 rg BT 492.48 524.10 Td (assessments ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 509.70 Td (of ) Tj ET Q q 0 0 0 rg BT 105.20 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 127.06 509.70 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 182.29 509.70 Td (of ) Tj ET Q q 0 0 0 rg BT 197.48 509.70 Td (occurrence ) Tj ET Q q 0 0 0 rg BT 262.03 509.70 Td (and ) Tj ET Q q 0 0 0 rg BT 287.24 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 309.11 509.70 Td (potential ) Tj ET Q q 0 0 0 rg BT 359.66 509.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 386.19 509.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 426.72 509.70 Td (of ) Tj ET Q q 0 0 0 rg BT 441.92 509.70 Td (plausible ) Tj ET Q q 0 0 0 rg BT 494.47 509.70 Td (high-severity ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 495.30 Td (operational ) Tj ET Q q 0 0 0 rg BT 152.71 495.30 Td (losses.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 466.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 466.50 Td (Product ) Tj ET Q q 0 0 0 rg BT 136.21 466.50 Td (and ) Tj ET Q q 0 0 0 rg BT 161.09 466.50 Td (Process ) Tj ET Q q 0 0 0 rg BT 209.29 466.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 237.48 466.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 312.38 466.50 Td (Program ) Tj ET Q q 0 0 0 rg BT 363.25 466.50 Td (- ) Tj ET Q q 0 0 0 rg BT 372.10 466.50 Td (a ) Tj ET Q q 0 0 0 rg BT 383.63 466.50 Td (program ) Tj ET Q q 0 0 0 rg BT 433.17 466.50 Td (used ) Tj ET Q q 0 0 0 rg BT 464.05 466.50 Td (for ) Tj ET Q q 0 0 0 rg BT 482.91 466.50 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 542.47 466.50 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 452.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 146.79 452.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 175.53 452.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 236.99 452.10 Td (with ) Tj ET Q q 0 0 0 rg BT 262.41 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.17 452.10 Td (introduction ) Tj ET Q q 0 0 0 rg BT 349.29 452.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.39 452.10 Td (new ) Tj ET Q q 0 0 0 rg BT 389.48 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.59 452.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 463.03 452.10 Td (noncredit ) Tj ET Q q 0 0 0 rg BT 516.48 452.10 Td (products ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 115.71 437.70 Td (services, ) Tj ET Q q 0 0 0 rg BT 168.75 437.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 227.80 437.70 Td (changes ) Tj ET Q q 0 0 0 rg BT 278.86 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 294.56 437.70 Td (operating ) Tj ET Q q 0 0 0 rg BT 350.29 437.70 Td (processes, ) Tj ET Q q 0 0 0 rg BT 414.01 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 439.72 437.70 Td (related ) Tj ET Q q 0 0 0 rg BT 482.11 437.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 541.16 437.70 Td (loss ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 423.30 Td (events.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 394.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 394.50 Td (Outsourcing ) Tj ET Q q 0 0 0 rg BT 162.60 394.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 193.83 394.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 271.77 394.50 Td (Program ) Tj ET Q q 0 0 0 rg BT 325.68 394.50 Td (- ) Tj ET Q q 0 0 0 rg BT 337.58 394.50 Td (a ) Tj ET Q q 0 0 0 rg BT 352.15 394.50 Td (program ) Tj ET Q q 0 0 0 rg BT 404.73 394.50 Td (that ) Tj ET Q q 0 0 0 rg BT 432.65 394.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 485.90 394.50 Td (processes ) Tj ET Q q 0 0 0 rg BT 548.50 394.50 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 380.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 154.91 380.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 177.77 380.10 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 249.33 380.10 Td (measurement, ) Tj ET Q q 0 0 0 rg BT 330.23 380.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 390.46 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.68 380.10 Td (management ) Tj ET Q q 0 0 0 rg BT 488.92 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.13 380.10 Td (outsourced ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 365.70 Td (technology ) Tj ET Q q 0 0 0 rg BT 151.38 365.70 Td (and ) Tj ET Q q 0 0 0 rg BT 174.73 365.70 Td (business ) Tj ET Q q 0 0 0 rg BT 225.43 365.70 Td (process ) Tj ET Q q 0 0 0 rg BT 270.78 365.70 Td (outsourcing.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 336.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 336.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 141.56 336.90 Td (Process ) Tj ET Q q 0 0 0 rg BT 187.60 336.90 Td (T) Tj ET Q q 0 0 0 rg BT 194.48 336.90 Td (ransition ) Tj ET Q q 0 0 0 rg BT 242.71 336.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 268.91 336.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 341.83 336.90 Td (Program ) Tj ET Q q 0 0 0 rg BT 390.71 336.90 Td (- ) Tj ET Q q 0 0 0 rg BT 397.58 336.90 Td (a ) Tj ET Q q 0 0 0 rg BT 407.13 336.90 Td (program ) Tj ET Q q 0 0 0 rg BT 454.68 336.90 Td (designed ) Tj ET Q q 0 0 0 rg BT 506.26 336.90 Td (to ) Tj ET Q q 0 0 0 rg BT 519.14 336.90 Td (manage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 322.50 Td (ef) Tj ET Q q 0 0 0 rg BT 99.79 322.50 Td (fectively ) Tj ET Q q 0 0 0 rg BT 149.06 322.50 Td (the ) Tj ET Q q 0 0 0 rg BT 171.65 322.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 196.23 322.50 Td (associated ) Tj ET Q q 0 0 0 rg BT 259.52 322.50 Td (with ) Tj ET Q q 0 0 0 rg BT 286.78 322.50 Td (transitioning ) Tj ET Q q 0 0 0 rg BT 357.40 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 383.34 322.50 Td (migrating ) Tj ET Q q 0 0 0 rg BT 438.61 322.50 Td (business ) Tj ET Q q 0 0 0 rg BT 491.89 322.50 Td (processes ) Tj ET Q q 0 0 0 rg BT 552.49 322.50 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 308.10 Td (dif) Tj ET Q q 0 0 0 rg BT 102.46 308.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 136.48 308.10 Td (geographic ) Tj ET Q q 0 0 0 rg BT 199.19 308.10 Td (or ) Tj ET Q q 0 0 0 rg BT 213.19 308.10 Td (jurisdictional ) Tj ET Q q 0 0 0 rg BT 282.56 308.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 333.25 308.10 Td (within ) Tj ET Q q 0 0 0 rg BT 367.27 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.28 308.10 Td (organization.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 279.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 279.30 Td (Information ) Tj ET Q q 0 0 0 rg BT 154.29 279.30 Td (Security ) Tj ET Q q 0 0 0 rg BT 201.89 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 225.89 279.30 Td (T) Tj ET Q q 0 0 0 rg BT 231.89 279.30 Td (echnology ) Tj ET Q q 0 0 0 rg BT 290.86 279.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 318.45 279.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 392.75 279.30 Td (- ) Tj ET Q q 0 0 0 rg BT 401.00 279.30 Td (a ) Tj ET Q q 0 0 0 rg BT 411.93 279.30 Td (program ) Tj ET Q q 0 0 0 rg BT 460.87 279.30 Td (that ) Tj ET Q q 0 0 0 rg BT 485.14 279.30 Td (communicates ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 115.25 264.90 Td (implements ) Tj ET Q q 0 0 0 rg BT 181.83 264.90 Td (compliance ) Tj ET Q q 0 0 0 rg BT 247.75 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 273.00 264.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 296.89 264.90 Td (management ) Tj ET Q q 0 0 0 rg BT 372.16 264.90 Td (processes ) Tj ET Q q 0 0 0 rg BT 432.08 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 457.33 264.90 Td (controls ) Tj ET Q q 0 0 0 rg BT 504.57 264.90 Td (to ) Tj ET Q q 0 0 0 rg BT 519.81 264.90 Td (address ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 250.50 Td (information ) Tj ET Q q 0 0 0 rg BT 152.70 250.50 Td (security) Tj ET Q q 0 0 0 rg BT 193.15 250.50 Td (, ) Tj ET Q q 0 0 0 rg BT 199.82 250.50 Td (including ) Tj ET Q q 0 0 0 rg BT 250.52 250.50 Td (cyber ) Tj ET Q q 0 0 0 rg BT 283.20 250.50 Td (threats ) Tj ET Q q 0 0 0 rg BT 323.21 250.50 Td (and ) Tj ET Q q 0 0 0 rg BT 346.57 250.50 Td (technology ) Tj ET Q q 0 0 0 rg BT 407.95 250.50 Td (risks ) Tj ET Q q 0 0 0 rg BT 435.94 250.50 Td (to ) Tj ET Q q 0 0 0 rg BT 449.29 250.50 Td (the ) Tj ET Q q 0 0 0 rg BT 469.30 250.50 Td (organization.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 221.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 221.70 Td (Significant ) Tj ET Q q 0 0 0 rg BT 147.21 221.70 Td (New ) Tj ET Q q 0 0 0 rg BT 173.06 221.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 223.60 221.70 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 287.47 221.70 Td (- ) Tj ET Q q 0 0 0 rg BT 293.31 221.70 Td (a ) Tj ET Q q 0 0 0 rg BT 301.83 221.70 Td (program ) Tj ET Q q 0 0 0 rg BT 348.36 221.70 Td (that ) Tj ET Q q 0 0 0 rg BT 370.22 221.70 Td (assesses ) Tj ET Q q 0 0 0 rg BT 422.08 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.61 221.70 Td (resource ) Tj ET Q q 0 0 0 rg BT 489.14 221.70 Td (requirements, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 207.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 129.46 207.30 Td (on ) Tj ET Q q 0 0 0 rg BT 146.93 207.30 Td (systems ) Tj ET Q q 0 0 0 rg BT 195.05 207.30 Td (and ) Tj ET Q q 0 0 0 rg BT 219.19 207.30 Td (controls, ) Tj ET Q q 0 0 0 rg BT 268.65 207.30 Td (and ) Tj ET Q q 0 0 0 rg BT 292.79 207.30 Td (other ) Tj ET Q q 0 0 0 rg BT 324.26 207.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 347.04 207.30 Td (factors ) Tj ET Q q 0 0 0 rg BT 387.17 207.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 415.29 207.30 Td (to ) Tj ET Q q 0 0 0 rg BT 429.42 207.30 Td (taking ) Tj ET Q q 0 0 0 rg BT 465.56 207.30 Td (on ) Tj ET Q q 0 0 0 rg BT 483.02 207.30 Td (significant ) Tj ET Q q 0 0 0 rg BT 540.50 207.30 Td (new ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 192.90 Td (business.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 164.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 164.10 Td (Scalability ) Tj ET Q q 0 0 0 rg BT 148.80 164.10 Td (& ) Tj ET Q q 0 0 0 rg BT 161.57 164.10 Td (Capacity ) Tj ET Q q 0 0 0 rg BT 212.09 164.10 Td (Assessment ) Tj ET Q q 0 0 0 rg BT 282.21 164.10 Td (Review ) Tj ET Q q 0 0 0 rg BT 326.33 164.10 Td (- ) Tj ET Q q 0 0 0 rg BT 335.10 164.10 Td (a ) Tj ET Q q 0 0 0 rg BT 346.55 164.10 Td (program ) Tj ET Q q 0 0 0 rg BT 396.01 164.10 Td (that ) Tj ET Q q 0 0 0 rg BT 420.79 164.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 470.92 164.10 Td (a ) Tj ET Q q 0 0 0 rg BT 482.37 164.10 Td (mechanism ) Tj ET Q q 0 0 0 rg BT 548.50 164.10 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 149.70 Td (identifying ) Tj ET Q q 0 0 0 rg BT 148.19 149.70 Td (scalability ) Tj ET Q q 0 0 0 rg BT 204.36 149.70 Td (and/or ) Tj ET Q q 0 0 0 rg BT 242.54 149.70 Td (capacity ) Tj ET Q q 0 0 0 rg BT 290.72 149.70 Td (constraints ) Tj ET Q q 0 0 0 rg BT 352.90 149.70 Td (within ) Tj ET Q q 0 0 0 rg BT 387.73 149.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 438.30 149.70 Td (T) Tj ET Q q 0 0 0 rg BT 445.19 149.70 Td (rust's ) Tj ET Q q 0 0 0 rg BT 477.64 149.70 Td (business ) Tj ET Q q 0 0 0 rg BT 529.15 149.70 Td (areas; ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 135.30 Td (and ) Tj ET Q q 0 0 0 rg BT 114.50 135.30 Td (their ) Tj ET Q q 0 0 0 rg BT 142.33 135.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 177.49 135.30 Td (to ) Tj ET Q q 0 0 0 rg BT 191.98 135.30 Td (take ) Tj ET Q q 0 0 0 rg BT 219.14 135.30 Td (on ) Tj ET Q q 0 0 0 rg BT 236.97 135.30 Td (change, ) Tj ET Q q 0 0 0 rg BT 284.16 135.30 Td (whether ) Tj ET Q q 0 0 0 rg BT 331.33 135.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 368.49 135.30 Td (by ) Tj ET Q q 0 0 0 rg BT 385.65 135.30 Td (new ) Tj ET Q q 0 0 0 rg BT 412.14 135.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 467.32 135.30 Td (strategic ) Tj ET Q q 0 0 0 rg BT 517.15 135.30 Td (projects, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 120.90 Td (market ) Tj ET Q q 0 0 0 rg BT 130.01 120.90 Td (volatility ) Tj ET Q q 0 0 0 rg BT 176.02 120.90 Td (or ) Tj ET Q q 0 0 0 rg BT 190.03 120.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 246.72 120.90 Td (change.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 92.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 92.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 143.25 92.10 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 201.18 92.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 275.78 92.10 Td (Program ) Tj ET Q q 0 0 0 rg BT 326.36 92.10 Td (- ) Tj ET Q q 0 0 0 rg BT 334.92 92.10 Td (a ) Tj ET Q q 0 0 0 rg BT 346.16 92.10 Td (program ) Tj ET Q q 0 0 0 rg BT 395.40 92.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 448.68 92.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.25 92.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 515.15 92.10 Td (business ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 77.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 130.37 77.70 Td (and ) Tj ET Q q 0 0 0 rg BT 155.41 77.70 Td (support ) Tj ET Q q 0 0 0 rg BT 200.46 77.70 Td (the ) Tj ET Q q 0 0 0 rg BT 222.17 77.70 Td (resumption ) Tj ET Q q 0 0 0 rg BT 286.56 77.70 Td (of ) Tj ET Q q 0 0 0 rg BT 301.59 77.70 Td (mission ) Tj ET Q q 0 0 0 rg BT 347.29 77.70 Td (critical ) Tj ET Q q 0 0 0 rg BT 386.31 77.70 Td (functions ) Tj ET Q q 0 0 0 rg BT 439.37 77.70 Td (for ) Tj ET Q q 0 0 0 rg BT 458.40 77.70 Td (clients ) Tj ET Q q 0 0 0 rg BT 497.43 77.70 Td (following ) Tj ET Q q 0 0 0 rg BT 549.15 77.70 Td (an ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 63.30 Td (incident.) Tj ET Q endstream endobj 67 0 obj <> endobj 68 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (30 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.00 711.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 711.30 Td (Physical ) Tj ET Q q 0 0 0 rg BT 137.03 711.30 Td (Security ) Tj ET Q q 0 0 0 rg BT 182.73 711.30 Td (- ) Tj ET Q q 0 0 0 rg BT 189.08 711.30 Td (a ) Tj ET Q q 0 0 0 rg BT 198.10 711.30 Td (program ) Tj ET Q q 0 0 0 rg BT 245.14 711.30 Td (that ) Tj ET Q q 0 0 0 rg BT 267.50 711.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 315.21 711.30 Td (for ) Tj ET Q q 0 0 0 rg BT 331.57 711.30 Td (the ) Tj ET Q q 0 0 0 rg BT 350.60 711.30 Td (safety ) Tj ET Q q 0 0 0 rg BT 384.96 711.30 Td (of ) Tj ET Q q 0 0 0 rg BT 397.32 711.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 446.21 711.30 Td (T) Tj ET Q q 0 0 0 rg BT 453.09 711.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 475.45 711.30 Td (partners, ) Tj ET Q q 0 0 0 rg BT 525.15 711.30 Td (clients, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 696.90 Td (and ) Tj ET Q q 0 0 0 rg BT 113.38 696.90 Td (visitors ) Tj ET Q q 0 0 0 rg BT 154.07 696.90 Td (worldwide ) Tj ET Q q 0 0 0 rg BT 210.79 696.90 Td (by ) Tj ET Q q 0 0 0 rg BT 226.82 696.90 Td (setting ) Tj ET Q q 0 0 0 rg BT 265.53 696.90 Td (and ) Tj ET Q q 0 0 0 rg BT 288.91 696.90 Td (enforcing ) Tj ET Q q 0 0 0 rg BT 341.64 696.90 Td (standards, ) Tj ET Q q 0 0 0 rg BT 401.03 696.90 Td (providing ) Tj ET Q q 0 0 0 rg BT 453.08 696.90 Td (training, ) Tj ET Q q 0 0 0 rg BT 499.13 696.90 Td (establishing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 682.50 Td (partnerships, ) Tj ET Q q 0 0 0 rg BT 162.70 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 186.06 682.50 Td (encouraging ) Tj ET Q q 0 0 0 rg BT 255.45 682.50 Td (continual ) Tj ET Q q 0 0 0 rg BT 306.81 682.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 379.51 682.50 Td (in ) Tj ET Q q 0 0 0 rg BT 392.18 682.50 Td (workplace ) Tj ET Q q 0 0 0 rg BT 449.54 682.50 Td (security) Tj ET Q q 0 0 0 rg BT 489.99 682.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 653.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 653.70 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 146.11 653.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 219.56 653.70 Td (Program ) Tj ET Q q 0 0 0 rg BT 268.99 653.70 Td (- ) Tj ET Q q 0 0 0 rg BT 276.39 653.70 Td (a ) Tj ET Q q 0 0 0 rg BT 286.48 653.70 Td (program ) Tj ET Q q 0 0 0 rg BT 334.57 653.70 Td (designed ) Tj ET Q q 0 0 0 rg BT 386.69 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 400.11 653.70 Td (reduce ) Tj ET Q q 0 0 0 rg BT 440.21 653.70 Td (the ) Tj ET Q q 0 0 0 rg BT 460.31 653.70 Td (monetary ) Tj ET Q q 0 0 0 rg BT 513.74 653.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 552.49 653.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 639.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 129.35 639.30 Td (operational ) Tj ET Q q 0 0 0 rg BT 192.06 639.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 216.74 639.30 Td (events.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (As ) Tj ET Q q 0 0 0 rg BT 74.03 610.50 Td (discussed ) Tj ET Q q 0 0 0 rg BT 133.41 610.50 Td (in ) Tj ET Q q 0 0 0 rg BT 148.77 610.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 178.12 610.50 Td (Control, ) Tj ET Q q 0 0 0 rg BT 226.16 610.50 Td (Model ) Tj ET Q q 0 0 0 rg BT 264.87 610.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 294.22 610.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 370.29 610.50 Td (is ) Tj ET Q q 0 0 0 rg BT 384.97 610.50 Td (also ) Tj ET Q q 0 0 0 rg BT 413.01 610.50 Td (part ) Tj ET Q q 0 0 0 rg BT 439.71 610.50 Td (of ) Tj ET Q q 0 0 0 rg BT 455.74 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 478.44 610.50 Td (operational ) Tj ET Q q 0 0 0 rg BT 543.84 610.50 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (framework.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (The ) Tj ET Q q 0 0 0 rg BT 77.46 567.30 Td (ORC ) Tj ET Q q 0 0 0 rg BT 106.90 567.30 Td (is ) Tj ET Q q 0 0 0 rg BT 118.35 567.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 182.50 567.30 Td (for ) Tj ET Q q 0 0 0 rg BT 199.28 567.30 Td (overseeing ) Tj ET Q q 0 0 0 rg BT 260.76 567.30 Td (the ) Tj ET Q q 0 0 0 rg BT 280.22 567.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 329.02 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 341.80 567.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 391.09 567.30 Td (T) Tj ET Q q 0 0 0 rg BT 397.97 567.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 420.76 567.30 Td (related ) Tj ET Q q 0 0 0 rg BT 460.23 567.30 Td (to ) Tj ET Q q 0 0 0 rg BT 473.01 567.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.47 567.30 Td (management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (of ) Tj ET Q q 0 0 0 rg BT 66.94 552.90 Td (operational ) Tj ET Q q 0 0 0 rg BT 129.25 552.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 150.84 552.90 Td (including ) Tj ET Q q 0 0 0 rg BT 201.14 552.90 Td (establishing ) Tj ET Q q 0 0 0 rg BT 267.44 552.90 Td (the ) Tj ET Q q 0 0 0 rg BT 287.05 552.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 343.35 552.90 Td (Operational ) Tj ET Q q 0 0 0 rg BT 408.31 552.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 434.58 552.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 507.55 552.90 Td (Policy ) Tj ET Q q 0 0 0 rg BT 542.49 552.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (approving ) Tj ET Q q 0 0 0 rg BT 108.49 538.50 Td (the ) Tj ET Q q 0 0 0 rg BT 126.96 538.50 Td (operational ) Tj ET Q q 0 0 0 rg BT 188.13 538.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 208.58 538.50 Td (framework ) Tj ET Q q 0 0 0 rg BT 266.38 538.50 Td (and ) Tj ET Q q 0 0 0 rg BT 288.19 538.50 Td (programs. ) Tj ET Q q 0 0 0 rg BT 343.88 538.50 Td (The ) Tj ET Q q 0 0 0 rg BT 366.35 538.50 Td (purpose ) Tj ET Q q 0 0 0 rg BT 411.50 538.50 Td (of ) Tj ET Q q 0 0 0 rg BT 423.30 538.50 Td (this ) Tj ET Q q 0 0 0 rg BT 443.76 538.50 Td (committee ) Tj ET Q q 0 0 0 rg BT 500.90 538.50 Td (is ) Tj ET Q q 0 0 0 rg BT 511.36 538.50 Td (to ) Tj ET Q q 0 0 0 rg BT 523.15 538.50 Td (provide ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 110.01 524.10 Td (management) Tj ET Q q 0 0 0 rg BT 182.50 524.10 Td (s ) Tj ET Q q 0 0 0 rg BT 193.81 524.10 Td (insight ) Tj ET Q q 0 0 0 rg BT 233.81 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.14 524.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 313.16 524.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.48 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.47 524.10 Td (management ) Tj ET Q q 0 0 0 rg BT 425.82 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.14 524.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 487.14 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.47 524.10 Td (emerging ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (operational ) Tj ET Q q 0 0 0 rg BT 116.73 509.70 Td (risks. ) Tj ET Q q 0 0 0 rg BT 148.08 509.70 Td (In ) Tj ET Q q 0 0 0 rg BT 161.44 509.70 Td (addition, ) Tj ET Q q 0 0 0 rg BT 210.16 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 230.19 509.70 Td (ORC ) Tj ET Q q 0 0 0 rg BT 260.21 509.70 Td (serves ) Tj ET Q q 0 0 0 rg BT 298.91 509.70 Td (as ) Tj ET Q q 0 0 0 rg BT 314.93 509.70 Td (an ) Tj ET Q q 0 0 0 rg BT 331.63 509.70 Td (escalation ) Tj ET Q q 0 0 0 rg BT 389.02 509.70 Td (point ) Tj ET Q q 0 0 0 rg BT 418.39 509.70 Td (for ) Tj ET Q q 0 0 0 rg BT 435.75 509.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 492.46 509.70 Td (issues ) Tj ET Q q 0 0 0 rg BT 529.83 509.70 Td (raised ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (by ) Tj ET Q q 0 0 0 rg BT 70.01 495.30 Td (its ) Tj ET Q q 0 0 0 rg BT 85.34 495.30 Td (programs.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td ( ) Tj ET Q q 0 0 0 rg BT 57.33 480.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (Operational ) Tj ET Q q 0 0 0 rg BT 119.37 466.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 146.04 466.50 Td (Measurement ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.92 437.70 Td (T) Tj ET Q q 0 0 0 rg BT 110.81 437.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 134.27 437.70 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 174.40 437.70 Td (the ) Tj ET Q q 0 0 0 rg BT 193.86 437.70 Td (AMA) Tj ET Q q 0 0 0 rg BT 219.20 437.70 Td ( ) Tj ET Q q 0 0 0 rg BT 222.66 437.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 260.80 437.70 Td (quantification ) Tj ET Q q 0 0 0 rg BT 334.98 437.70 Td (process ) Tj ET Q q 0 0 0 rg BT 380.45 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 393.92 437.70 Td (estimate ) Tj ET Q q 0 0 0 rg BT 442.72 437.70 Td (required ) Tj ET Q q 0 0 0 rg BT 490.21 437.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 528.35 437.70 Td (for ) Tj ET Q q 0 0 0 rg BT 545.82 437.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 423.30 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 119.46 423.30 Td (and ) Tj ET Q q 0 0 0 rg BT 142.25 423.30 Td (applicable ) Tj ET Q q 0 0 0 rg BT 199.05 423.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.15 423.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 269.95 423.30 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 339.41 423.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 388.68 423.30 Td (T) Tj ET Q q 0 0 0 rg BT 395.57 423.30 Td (rust) Tj ET Q q 0 0 0 rg BT 418.02 423.30 Td (s ) Tj ET Q q 0 0 0 rg BT 426.23 423.30 Td (AMA) Tj ET Q q 0 0 0 rg BT 451.57 423.30 Td ( ) Tj ET Q q 0 0 0 rg BT 454.34 423.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 491.79 423.30 Td (quantification ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 408.90 Td (process ) Tj ET Q q 0 0 0 rg BT 99.65 408.90 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 169.32 408.90 Td (outputs ) Tj ET Q q 0 0 0 rg BT 212.32 408.90 Td (from ) Tj ET Q q 0 0 0 rg BT 239.95 408.90 Td (the ) Tj ET Q q 0 0 0 rg BT 260.26 408.90 Td (Loss ) Tj ET Q q 0 0 0 rg BT 289.25 408.90 Td (Event ) Tj ET Q q 0 0 0 rg BT 323.56 408.90 Td (Data, ) Tj ET Q q 0 0 0 rg BT 355.88 408.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 382.84 408.90 Td (and ) Tj ET Q q 0 0 0 rg BT 406.50 408.90 Td (Control ) Tj ET Q q 0 0 0 rg BT 448.82 408.90 Td (Self-Assessment ) Tj ET Q q 0 0 0 rg BT 542.48 408.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (Operational ) Tj ET Q q 0 0 0 rg BT 119.56 394.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 146.42 394.50 Td (Scenario ) Tj ET Q q 0 0 0 rg BT 196.61 394.50 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 244.82 394.50 Td (programs ) Tj ET Q q 0 0 0 rg BT 299.03 394.50 Td (to ) Tj ET Q q 0 0 0 rg BT 312.56 394.50 Td (derive ) Tj ET Q q 0 0 0 rg BT 348.77 394.50 Td (required ) Tj ET Q q 0 0 0 rg BT 396.33 394.50 Td (capital. ) Tj ET Q q 0 0 0 rg BT 437.87 394.50 Td (While ) Tj ET Q q 0 0 0 rg BT 471.40 394.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 514.29 394.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 539.15 394.50 Td (data ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (is ) Tj ET Q q 0 0 0 rg BT 66.82 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 87.66 380.10 Td (foundation ) Tj ET Q q 0 0 0 rg BT 147.87 380.10 Td (for ) Tj ET Q q 0 0 0 rg BT 166.03 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.87 380.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 225.72 380.10 Td (quantification, ) Tj ET Q q 0 0 0 rg BT 303.93 380.10 Td (external ) Tj ET Q q 0 0 0 rg BT 350.78 380.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 376.27 380.10 Td (event ) Tj ET Q q 0 0 0 rg BT 409.79 380.10 Td (data ) Tj ET Q q 0 0 0 rg BT 437.30 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.48 380.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 519.67 380.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 542.49 380.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (control ) Tj ET Q q 0 0 0 rg BT 92.04 365.70 Td (self-assessments ) Tj ET Q q 0 0 0 rg BT 186.75 365.70 Td (are ) Tj ET Q q 0 0 0 rg BT 206.12 365.70 Td (also ) Tj ET Q q 0 0 0 rg BT 230.15 365.70 Td (utilized ) Tj ET Q q 0 0 0 rg BT 269.52 365.70 Td (to ) Tj ET Q q 0 0 0 rg BT 281.55 365.70 Td (inform ) Tj ET Q q 0 0 0 rg BT 316.91 365.70 Td (the ) Tj ET Q q 0 0 0 rg BT 335.61 365.70 Td (creation ) Tj ET Q q 0 0 0 rg BT 380.32 365.70 Td (of ) Tj ET Q q 0 0 0 rg BT 392.35 365.70 Td (scenario ) Tj ET Q q 0 0 0 rg BT 439.73 365.70 Td (analysis ) Tj ET Q q 0 0 0 rg BT 485.10 365.70 Td (data ) Tj ET Q q 0 0 0 rg BT 510.48 365.70 Td (employed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (in ) Tj ET Q q 0 0 0 rg BT 66.47 351.30 Td (the ) Tj ET Q q 0 0 0 rg BT 86.29 351.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 124.11 351.30 Td (quantification ) Tj ET Q q 0 0 0 rg BT 197.96 351.30 Td (process. ) Tj ET Q q 0 0 0 rg BT 246.44 351.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 298.26 351.30 Td (environment ) Tj ET Q q 0 0 0 rg BT 367.43 351.30 Td (factor ) Tj ET Q q 0 0 0 rg BT 400.57 351.30 Td (information ) Tj ET Q q 0 0 0 rg BT 463.07 351.30 Td (is ) Tj ET Q q 0 0 0 rg BT 474.87 351.30 Td (used ) Tj ET Q q 0 0 0 rg BT 504.02 351.30 Td (to ) Tj ET Q q 0 0 0 rg BT 517.16 351.30 Td (estimate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 81.96 336.90 Td (frequency) Tj ET Q q 0 0 0 rg BT 133.77 336.90 Td (. ) Tj ET Q q 0 0 0 rg BT 143.30 336.90 Td (The ) Tj ET Q q 0 0 0 rg BT 169.29 336.90 Td (AMA) Tj ET Q q 0 0 0 rg BT 194.63 336.90 Td ( ) Tj ET Q q 0 0 0 rg BT 201.26 336.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 242.57 336.90 Td (quantification ) Tj ET Q q 0 0 0 rg BT 319.91 336.90 Td (process ) Tj ET Q q 0 0 0 rg BT 368.55 336.90 Td (uses ) Tj ET Q q 0 0 0 rg BT 400.53 336.90 Td (a ) Tj ET Q q 0 0 0 rg BT 413.82 336.90 Td (Loss ) Tj ET Q q 0 0 0 rg BT 445.80 336.90 Td (Distribution ) Tj ET Q q 0 0 0 rg BT 511.13 336.90 Td (Approach ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (methodology ) Tj ET Q q 0 0 0 rg BT 124.54 322.50 Td (to ) Tj ET Q q 0 0 0 rg BT 136.37 322.50 Td (combine ) Tj ET Q q 0 0 0 rg BT 183.55 322.50 Td (frequency ) Tj ET Q q 0 0 0 rg BT 238.08 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 259.92 322.50 Td (severity ) Tj ET Q q 0 0 0 rg BT 303.09 322.50 Td (distributions ) Tj ET Q q 0 0 0 rg BT 368.95 322.50 Td (to ) Tj ET Q q 0 0 0 rg BT 380.78 322.50 Td (arrive ) Tj ET Q q 0 0 0 rg BT 412.61 322.50 Td (at ) Tj ET Q q 0 0 0 rg BT 424.44 322.50 Td (an ) Tj ET Q q 0 0 0 rg BT 439.61 322.50 Td (estimate ) Tj ET Q q 0 0 0 rg BT 486.79 322.50 Td (of ) Tj ET Q q 0 0 0 rg BT 498.62 322.50 Td (the ) Tj ET Q q 0 0 0 rg BT 517.13 322.50 Td (potential ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 308.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 112.40 308.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 138.08 308.10 Td (at ) Tj ET Q q 0 0 0 rg BT 152.44 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.47 308.10 Td (99.9th ) Tj ET Q q 0 0 0 rg BT 211.18 308.10 Td (percentile ) Tj ET Q q 0 0 0 rg BT 267.56 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.92 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.95 308.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 361.34 308.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 387.03 308.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 449.41 308.10 Td (over ) Tj ET Q q 0 0 0 rg BT 477.10 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 488.12 308.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 539.83 308.10 Td (time ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (horizon. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (The ) Tj ET Q q 0 0 0 rg BT 78.34 264.90 Td (result ) Tj ET Q q 0 0 0 rg BT 111.35 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 125.03 264.90 Td (the ) Tj ET Q q 0 0 0 rg BT 144.65 264.90 Td (AMA) Tj ET Q q 0 0 0 rg BT 169.99 264.90 Td ( ) Tj ET Q q 0 0 0 rg BT 173.65 264.90 Td (quantification ) Tj ET Q q 0 0 0 rg BT 248.04 264.90 Td (process ) Tj ET Q q 0 0 0 rg BT 293.72 264.90 Td (is ) Tj ET Q q 0 0 0 rg BT 306.05 264.90 Td (the ) Tj ET Q q 0 0 0 rg BT 326.40 264.90 Td (measure ) Tj ET Q q 0 0 0 rg BT 376.75 264.90 Td (of ) Tj ET Q q 0 0 0 rg BT 390.43 264.90 Td (operational ) Tj ET Q q 0 0 0 rg BT 453.47 264.90 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 527.83 264.90 Td (assets ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 250.50 Td (as ) Tj ET Q q 0 0 0 rg BT 70.01 250.50 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 123.37 250.50 Td (in ) Tj ET Q q 0 0 0 rg BT 135.83 250.50 Td (T) Tj ET Q q 0 0 0 rg BT 141.83 250.50 Td (able ) Tj ET Q q 0 0 0 rg BT 167.85 250.50 Td (6. ) Tj ET Q q 0 0 0 rg BT 181.19 250.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 221.70 Td (Independent ) Tj ET Q q 0 0 0 rg BT 128.67 221.70 Td (Review ) Tj ET Q q 0 0 0 rg BT 173.36 221.70 Td (and ) Tj ET Q q 0 0 0 rg BT 198.02 221.70 Td (V) Tj ET Q q 0 0 0 rg BT 205.37 221.70 Td (erification) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 192.90 Td (Independent ) Tj ET Q q 0 0 0 rg BT 123.32 192.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 174.59 192.90 Td (and ) Tj ET Q q 0 0 0 rg BT 197.20 192.90 Td (review ) Tj ET Q q 0 0 0 rg BT 234.46 192.90 Td (of ) Tj ET Q q 0 0 0 rg BT 247.05 192.90 Td (the ) Tj ET Q q 0 0 0 rg BT 266.32 192.90 Td (Operational ) Tj ET Q q 0 0 0 rg BT 330.94 192.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 356.86 192.90 Td (Framework ) Tj ET Q q 0 0 0 rg BT 419.45 192.90 Td (is ) Tj ET Q q 0 0 0 rg BT 430.70 192.90 Td (provided ) Tj ET Q q 0 0 0 rg BT 479.32 192.90 Td (by ) Tj ET Q q 0 0 0 rg BT 494.58 192.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 520.50 192.90 Td (Control. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 178.50 Td (Refer ) Tj ET Q q 0 0 0 rg BT 86.81 178.50 Td (to ) Tj ET Q q 0 0 0 rg BT 100.28 178.50 Td (Independent ) Tj ET Q q 0 0 0 rg BT 170.48 178.50 Td (Review ) Tj ET Q q 0 0 0 rg BT 213.29 178.50 Td (and ) Tj ET Q q 0 0 0 rg BT 236.78 178.50 Td (V) Tj ET Q q 0 0 0 rg BT 244.12 178.50 Td (erification ) Tj ET Q q 0 0 0 rg BT 298.95 178.50 Td (within ) Tj ET Q q 0 0 0 rg BT 333.09 178.50 Td (the ) Tj ET Q q 0 0 0 rg BT 353.24 178.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 380.04 178.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 453.54 178.50 Td (Overview ) Tj ET Q q 0 0 0 rg BT 507.02 178.50 Td (section ) Tj ET Q q 0 0 0 rg BT 548.51 178.50 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 164.10 Td (more ) Tj ET Q q 0 0 0 rg BT 84.67 164.10 Td (information.) Tj ET Q endstream endobj 69 0 obj <> endobj 70 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (31 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F5 14.00 Tf ET q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 709.85 Td (Market Risk) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 681.05 Td (There ) Tj ET Q q 0 0 0 rg BT 87.36 681.05 Td (are ) Tj ET Q q 0 0 0 rg BT 106.73 681.05 Td (two ) Tj ET Q q 0 0 0 rg BT 127.42 681.05 Td (types ) Tj ET Q q 0 0 0 rg BT 158.12 681.05 Td (of ) Tj ET Q q 0 0 0 rg BT 170.14 681.05 Td (market ) Tj ET Q q 0 0 0 rg BT 208.83 681.05 Td (risk, ) Tj ET Q q 0 0 0 rg BT 232.84 681.05 Td (interest ) Tj ET Q q 0 0 0 rg BT 274.21 681.05 Td (rate ) Tj ET Q q 0 0 0 rg BT 296.91 681.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 317.59 681.05 Td (and ) Tj ET Q q 0 0 0 rg BT 339.63 681.05 Td (trading ) Tj ET Q q 0 0 0 rg BT 378.33 681.05 Td (risk. ) Tj ET Q q 0 0 0 rg BT 402.35 681.05 Td (Interest ) Tj ET Q q 0 0 0 rg BT 444.38 681.05 Td (rate ) Tj ET Q q 0 0 0 rg BT 467.08 681.05 Td (risk ) Tj ET Q q 0 0 0 rg BT 487.76 681.05 Td (is ) Tj ET Q q 0 0 0 rg BT 498.44 681.05 Td (the ) Tj ET Q q 0 0 0 rg BT 517.14 681.05 Td (potential ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 666.65 Td (for ) Tj ET Q q 0 0 0 rg BT 71.35 666.65 Td (movements ) Tj ET Q q 0 0 0 rg BT 136.72 666.65 Td (in ) Tj ET Q q 0 0 0 rg BT 149.41 666.65 Td (interest ) Tj ET Q q 0 0 0 rg BT 192.11 666.65 Td (rates ) Tj ET Q q 0 0 0 rg BT 222.14 666.65 Td (to ) Tj ET Q q 0 0 0 rg BT 235.49 666.65 Td (cause ) Tj ET Q q 0 0 0 rg BT 270.86 666.65 Td (changes ) Tj ET Q q 0 0 0 rg BT 319.58 666.65 Td (in ) Tj ET Q q 0 0 0 rg BT 332.27 666.65 Td (net ) Tj ET Q q 0 0 0 rg BT 352.30 666.65 Td (interest ) Tj ET Q q 0 0 0 rg BT 395.00 666.65 Td (income ) Tj ET Q q 0 0 0 rg BT 437.03 666.65 Td (and ) Tj ET Q q 0 0 0 rg BT 460.40 666.65 Td (the ) Tj ET Q q 0 0 0 rg BT 480.43 666.65 Td (market ) Tj ET Q q 0 0 0 rg BT 520.46 666.65 Td (value ) Tj ET Q q 0 0 0 rg BT 552.49 666.65 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 652.25 Td (equity) Tj ET Q q 0 0 0 rg BT 85.13 652.25 Td (. ) Tj ET Q q 0 0 0 rg BT 91.66 652.25 Td (T) Tj ET Q q 0 0 0 rg BT 98.54 652.25 Td (rading ) Tj ET Q q 0 0 0 rg BT 135.32 652.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 157.39 652.25 Td (is ) Tj ET Q q 0 0 0 rg BT 169.48 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.57 652.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 238.36 652.25 Td (for ) Tj ET Q q 0 0 0 rg BT 255.78 652.25 Td (movements ) Tj ET Q q 0 0 0 rg BT 321.21 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 333.97 652.25 Td (market ) Tj ET Q q 0 0 0 rg BT 374.06 652.25 Td (variables ) Tj ET Q q 0 0 0 rg BT 425.50 652.25 Td (such ) Tj ET Q q 0 0 0 rg BT 454.26 652.25 Td (as ) Tj ET Q q 0 0 0 rg BT 470.35 652.25 Td (foreign ) Tj ET Q q 0 0 0 rg BT 510.46 652.25 Td (exchange ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 637.85 Td (and ) Tj ET Q q 0 0 0 rg BT 77.36 637.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 120.04 637.85 Td (rates ) Tj ET Q q 0 0 0 rg BT 150.05 637.85 Td (to ) Tj ET Q q 0 0 0 rg BT 163.39 637.85 Td (cause ) Tj ET Q q 0 0 0 rg BT 198.75 637.85 Td (changes ) Tj ET Q q 0 0 0 rg BT 247.45 637.85 Td (in ) Tj ET Q q 0 0 0 rg BT 260.13 637.85 Td (the ) Tj ET Q q 0 0 0 rg BT 280.14 637.85 Td (value ) Tj ET Q q 0 0 0 rg BT 312.16 637.85 Td (of ) Tj ET Q q 0 0 0 rg BT 325.51 637.85 Td (trading ) Tj ET Q q 0 0 0 rg BT 365.53 637.85 Td (positions.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 609.05 Td (Market ) Tj ET Q q 0 0 0 rg BT 94.01 609.05 Td (Risk ) Tj ET Q q 0 0 0 rg BT 120.67 609.05 Td (Framework ) Tj ET Q q 0 0 0 rg BT 184.01 609.05 Td (and ) Tj ET Q q 0 0 0 rg BT 207.37 609.05 Td (Governance) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.87 580.25 Td (T) Tj ET Q q 0 0 0 rg BT 111.76 580.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 136.24 580.25 Td (maintains ) Tj ET Q q 0 0 0 rg BT 192.07 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 203.22 580.25 Td (market ) Tj ET Q q 0 0 0 rg BT 244.37 580.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 267.51 580.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 328.00 580.25 Td (consisting ) Tj ET Q q 0 0 0 rg BT 385.84 580.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.32 580.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 423.46 580.25 Td (management ) Tj ET Q q 0 0 0 rg BT 497.98 580.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 542.47 580.25 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 565.85 Td (practices ) Tj ET Q q 0 0 0 rg BT 104.84 565.85 Td (to ) Tj ET Q q 0 0 0 rg BT 117.67 565.85 Td (keep ) Tj ET Q q 0 0 0 rg BT 146.52 565.85 Td (its ) Tj ET Q q 0 0 0 rg BT 161.34 565.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 182.83 565.85 Td (profile ) Tj ET Q q 0 0 0 rg BT 218.34 565.85 Td (within ) Tj ET Q q 0 0 0 rg BT 251.84 565.85 Td (the ) Tj ET Q q 0 0 0 rg BT 271.35 565.85 Td (Board-approved ) Tj ET Q q 0 0 0 rg BT 360.23 565.85 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 416.41 565.85 Td (Risk ) Tj ET Q q 0 0 0 rg BT 442.01 565.85 Td (Appetite ) Tj ET Q q 0 0 0 rg BT 488.87 565.85 Td (Statement. ) Tj ET Q q 0 0 0 rg BT 549.16 565.85 Td (All ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 551.45 Td (market ) Tj ET Q q 0 0 0 rg BT 93.55 551.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 115.09 551.45 Td (activities ) Tj ET Q q 0 0 0 rg BT 163.97 551.45 Td (are ) Tj ET Q q 0 0 0 rg BT 184.19 551.45 Td (overseen ) Tj ET Q q 0 0 0 rg BT 236.43 551.45 Td (by ) Tj ET Q q 0 0 0 rg BT 251.98 551.45 Td (the ) Tj ET Q q 0 0 0 rg BT 271.54 551.45 Td (Risk ) Tj ET Q q 0 0 0 rg BT 297.75 551.45 Td (Management ) Tj ET Q q 0 0 0 rg BT 370.66 551.45 Td (function, ) Tj ET Q q 0 0 0 rg BT 418.90 551.45 Td (which ) Tj ET Q q 0 0 0 rg BT 452.46 551.45 Td (is ) Tj ET Q q 0 0 0 rg BT 464.00 551.45 Td (independent ) Tj ET Q q 0 0 0 rg BT 532.94 551.45 Td (of ) Tj ET Q q 0 0 0 rg BT 545.82 551.45 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 537.05 Td (businesses ) Tj ET Q q 0 0 0 rg BT 117.37 537.05 Td (undertaking ) Tj ET Q q 0 0 0 rg BT 183.42 537.05 Td (the ) Tj ET Q q 0 0 0 rg BT 203.43 537.05 Td (activities.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 510.65 Td (Exposure limits for market risk are set by the Board and committee structures have been ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 496.25 Td (established to implement and monitor adherence to corporate policies, external regulations and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 481.85 Td (established procedures. Limits are monitored based on measures such as sensitivity of net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 467.45 Td (interest income \(NII\), sensitivity of market value of equity \(MVE\), and V) Tj ET Q q 0 0 0 rg BT 445.23 467.45 Td (alue-at-Risk \(V) Tj ET Q q 0 0 0 rg BT 527.69 467.45 Td (aR\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 453.05 Td (across a range of time horizons. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 426.65 Td (The ) Tj ET Q q 0 0 0 rg BT 77.35 426.65 Td (Asset and Liability Management Committee \(ALCO\) provides first line management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 412.25 Td (oversight and is responsible for approving strategies and activities within the risk appetite, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 397.85 Td (overseeing balance sheet resources, and reviewing reporting such as stress test results. ) Tj ET Q q 0 0 0 rg BT 526.03 397.85 Td (The ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 383.45 Td (MLRC provides second line oversight and is responsible for approving sub-policies and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 369.05 Td (procedures, establishing and monitoring risk metrics, and approving methodologies and key ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 354.65 Td (assumptions that drive market risk measurement.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 325.85 Td (Interest Rate Risk) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 297.05 Td (Interest ) Tj ET Q q 0 0 0 rg BT 97.35 297.05 Td (Rate ) Tj ET Q q 0 0 0 rg BT 126.04 297.05 Td (Risk ) Tj ET Q q 0 0 0 rg BT 152.70 297.05 Td (Overview) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 268.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 97.63 268.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 121.91 268.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 144.18 268.25 Td (is ) Tj ET Q q 0 0 0 rg BT 156.46 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 176.74 268.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 199.01 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.63 268.25 Td (NII, ) Tj ET Q q 0 0 0 rg BT 234.90 268.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 295.88 268.25 Td (with ) Tj ET Q q 0 0 0 rg BT 320.83 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.12 268.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 386.76 268.25 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 423.06 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 437.33 268.25 Td (MVE ) Tj ET Q q 0 0 0 rg BT 466.95 268.25 Td (due ) Tj ET Q q 0 0 0 rg BT 490.57 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 504.19 268.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 553.17 268.25 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 253.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 96.48 253.85 Td (rates. ) Tj ET Q q 0 0 0 rg BT 129.61 253.85 Td (Changes ) Tj ET Q q 0 0 0 rg BT 180.77 253.85 Td (in ) Tj ET Q q 0 0 0 rg BT 193.24 253.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 235.72 253.85 Td (rates ) Tj ET Q q 0 0 0 rg BT 265.52 253.85 Td (can ) Tj ET Q q 0 0 0 rg BT 287.99 253.85 Td (have ) Tj ET Q q 0 0 0 rg BT 317.14 253.85 Td (a ) Tj ET Q q 0 0 0 rg BT 326.94 253.85 Td (positive ) Tj ET Q q 0 0 0 rg BT 370.75 253.85 Td (or ) Tj ET Q q 0 0 0 rg BT 384.55 253.85 Td (negative ) Tj ET Q q 0 0 0 rg BT 433.04 253.85 Td (impact ) Tj ET Q q 0 0 0 rg BT 471.51 253.85 Td (on ) Tj ET Q q 0 0 0 rg BT 487.99 253.85 Td (NII ) Tj ET Q q 0 0 0 rg BT 506.44 253.85 Td (depending ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 239.45 Td (on ) Tj ET Q q 0 0 0 rg BT 69.55 239.45 Td (the ) Tj ET Q q 0 0 0 rg BT 88.43 239.45 Td (positioning ) Tj ET Q q 0 0 0 rg BT 148.01 239.45 Td (of ) Tj ET Q q 0 0 0 rg BT 160.22 239.45 Td (assets, ) Tj ET Q q 0 0 0 rg BT 200.44 239.45 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 248.00 239.45 Td (and ) Tj ET Q q 0 0 0 rg BT 270.22 239.45 Td (of) Tj ET Q q 0 0 0 rg BT 280.01 239.45 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 364.93 239.45 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 432.49 239.45 Td (Changes ) Tj ET Q q 0 0 0 rg BT 482.73 239.45 Td (in ) Tj ET Q q 0 0 0 rg BT 494.27 239.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 535.82 239.45 Td (rates ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 225.05 Td (also ) Tj ET Q q 0 0 0 rg BT 79.83 225.05 Td (can ) Tj ET Q q 0 0 0 rg BT 103.00 225.05 Td (impact ) Tj ET Q q 0 0 0 rg BT 142.16 225.05 Td (the ) Tj ET Q q 0 0 0 rg BT 162.66 225.05 Td (values ) Tj ET Q q 0 0 0 rg BT 201.16 225.05 Td (of ) Tj ET Q q 0 0 0 rg BT 214.99 225.05 Td (assets, ) Tj ET Q q 0 0 0 rg BT 256.82 225.05 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 305.99 225.05 Td (and ) Tj ET Q q 0 0 0 rg BT 329.83 225.05 Td (of) Tj ET Q q 0 0 0 rg BT 339.62 225.05 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 426.15 225.05 Td (positions, ) Tj ET Q q 0 0 0 rg BT 480.67 225.05 Td (which ) Tj ET Q q 0 0 0 rg BT 515.16 225.05 Td (indirectly ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 210.65 Td (impact ) Tj ET Q q 0 0 0 rg BT 92.96 210.65 Td (the ) Tj ET Q q 0 0 0 rg BT 113.26 210.65 Td (MVE. ) Tj ET Q q 0 0 0 rg BT 145.98 210.65 Td (T) Tj ET Q q 0 0 0 rg BT 151.98 210.65 Td (o ) Tj ET Q q 0 0 0 rg BT 162.26 210.65 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 207.90 210.65 Td (interest ) Tj ET Q q 0 0 0 rg BT 250.87 210.65 Td (rate ) Tj ET Q q 0 0 0 rg BT 275.16 210.65 Td (risk, ) Tj ET Q q 0 0 0 rg BT 300.77 210.65 Td (the ) Tj ET Q q 0 0 0 rg BT 321.07 210.65 Td (structure ) Tj ET Q q 0 0 0 rg BT 371.37 210.65 Td (of ) Tj ET Q q 0 0 0 rg BT 384.99 210.65 Td (the ) Tj ET Q q 0 0 0 rg BT 405.29 210.65 Td (balance ) Tj ET Q q 0 0 0 rg BT 450.94 210.65 Td (sheet ) Tj ET Q q 0 0 0 rg BT 483.91 210.65 Td (is ) Tj ET Q q 0 0 0 rg BT 496.19 210.65 Td (managed ) Tj ET Q q 0 0 0 rg BT 549.84 210.65 Td (so ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 196.25 Td (that ) Tj ET Q q 0 0 0 rg BT 75.79 196.25 Td (movements ) Tj ET Q q 0 0 0 rg BT 139.60 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.38 196.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 192.51 196.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 220.97 196.25 Td (on ) Tj ET Q q 0 0 0 rg BT 236.10 196.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 272.56 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 294.36 196.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 341.49 196.25 Td (\(adjusted ) Tj ET Q q 0 0 0 rg BT 392.63 196.25 Td (for ) Tj ET Q q 0 0 0 rg BT 408.42 196.25 Td (hedges\) ) Tj ET Q q 0 0 0 rg BT 453.56 196.25 Td (are ) Tj ET Q q 0 0 0 rg BT 472.69 196.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 505.82 196.25 Td (correlated, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 181.85 Td (which ) Tj ET Q q 0 0 0 rg BT 88.98 181.85 Td (allows ) Tj ET Q q 0 0 0 rg BT 126.62 181.85 Td (Northern ) Tj ET Q q 0 0 0 rg BT 177.33 181.85 Td (T) Tj ET Q q 0 0 0 rg BT 184.22 181.85 Td (rust) Tj ET Q q 0 0 0 rg BT 206.67 181.85 Td (s ) Tj ET Q q 0 0 0 rg BT 216.97 181.85 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 304.65 181.85 Td (assets ) Tj ET Q q 0 0 0 rg BT 343.63 181.85 Td (and ) Tj ET Q q 0 0 0 rg BT 367.95 181.85 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 417.60 181.85 Td (to ) Tj ET Q q 0 0 0 rg BT 431.91 181.85 Td (contribute ) Tj ET Q q 0 0 0 rg BT 488.90 181.85 Td (to ) Tj ET Q q 0 0 0 rg BT 503.21 181.85 Td (NII ) Tj ET Q q 0 0 0 rg BT 522.85 181.85 Td (even ) Tj ET Q q 0 0 0 rg BT 553.17 181.85 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 167.45 Td (periods ) Tj ET Q q 0 0 0 rg BT 96.69 167.45 Td (of ) Tj ET Q q 0 0 0 rg BT 110.03 167.45 Td (volatile ) Tj ET Q q 0 0 0 rg BT 150.72 167.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 193.41 167.45 Td (rates.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 138.65 Td (There ) Tj ET Q q 0 0 0 rg BT 88.68 138.65 Td (are ) Tj ET Q q 0 0 0 rg BT 109.36 138.65 Td (four ) Tj ET Q q 0 0 0 rg BT 133.37 138.65 Td (commonly ) Tj ET Q q 0 0 0 rg BT 191.38 138.65 Td (recognized ) Tj ET Q q 0 0 0 rg BT 253.42 138.65 Td (types ) Tj ET Q q 0 0 0 rg BT 285.44 138.65 Td (of ) Tj ET Q q 0 0 0 rg BT 298.78 138.65 Td (structured ) Tj ET Q q 0 0 0 rg BT 355.47 138.65 Td (interest ) Tj ET Q q 0 0 0 rg BT 398.16 138.65 Td (rate ) Tj ET Q q 0 0 0 rg BT 422.17 138.65 Td (risk:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 124.25 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 124.25 Td (repricing, ) Tj ET Q q 0 0 0 rg BT 143.09 124.25 Td (which ) Tj ET Q q 0 0 0 rg BT 177.50 124.25 Td (arises ) Tj ET Q q 0 0 0 rg BT 213.24 124.25 Td (from ) Tj ET Q q 0 0 0 rg BT 240.97 124.25 Td (dif) Tj ET Q q 0 0 0 rg BT 253.43 124.25 Td (ferences ) Tj ET Q q 0 0 0 rg BT 303.19 124.25 Td (in ) Tj ET Q q 0 0 0 rg BT 316.26 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.68 124.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 383.08 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.84 124.25 Td (repricing ) Tj ET Q q 0 0 0 rg BT 456.59 124.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 490.32 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 504.06 124.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 542.48 124.25 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 109.85 Td (liabilities;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 95.45 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 95.45 Td (yield ) Tj ET Q q 0 0 0 rg BT 118.01 95.45 Td (curve, ) Tj ET Q q 0 0 0 rg BT 154.03 95.45 Td (which ) Tj ET Q q 0 0 0 rg BT 188.04 95.45 Td (arises ) Tj ET Q q 0 0 0 rg BT 223.38 95.45 Td (from ) Tj ET Q q 0 0 0 rg BT 250.72 95.45 Td (changes ) Tj ET Q q 0 0 0 rg BT 299.42 95.45 Td (in ) Tj ET Q q 0 0 0 rg BT 312.09 95.45 Td (the ) Tj ET Q q 0 0 0 rg BT 332.11 95.45 Td (shape ) Tj ET Q q 0 0 0 rg BT 368.14 95.45 Td (of ) Tj ET Q q 0 0 0 rg BT 381.48 95.45 Td (the ) Tj ET Q q 0 0 0 rg BT 401.50 95.45 Td (yield ) Tj ET Q q 0 0 0 rg BT 429.51 95.45 Td (curve;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 81.05 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 81.05 Td (basis, ) Tj ET Q q 0 0 0 rg BT 125.47 81.05 Td (which ) Tj ET Q q 0 0 0 rg BT 160.28 81.05 Td (arises ) Tj ET Q q 0 0 0 rg BT 196.41 81.05 Td (from ) Tj ET Q q 0 0 0 rg BT 224.54 81.05 Td (imperfect ) Tj ET Q q 0 0 0 rg BT 278.01 81.05 Td (correlation ) Tj ET Q q 0 0 0 rg BT 338.16 81.05 Td (in ) Tj ET Q q 0 0 0 rg BT 351.63 81.05 Td (the ) Tj ET Q q 0 0 0 rg BT 372.43 81.05 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 435.26 81.05 Td (of ) Tj ET Q q 0 0 0 rg BT 449.39 81.05 Td (the ) Tj ET Q q 0 0 0 rg BT 470.20 81.05 Td (rates ) Tj ET Q q 0 0 0 rg BT 501.00 81.05 Td (earned ) Tj ET Q q 0 0 0 rg BT 542.49 81.05 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 66.65 Td (paid ) Tj ET Q q 0 0 0 rg BT 116.02 66.65 Td (on ) Tj ET Q q 0 0 0 rg BT 132.70 66.65 Td (dif) Tj ET Q q 0 0 0 rg BT 145.16 66.65 Td (ferent ) Tj ET Q q 0 0 0 rg BT 179.18 66.65 Td (financial ) Tj ET Q q 0 0 0 rg BT 226.54 66.65 Td (instruments ) Tj ET Q q 0 0 0 rg BT 291.90 66.65 Td (with ) Tj ET Q q 0 0 0 rg BT 316.57 66.65 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 371.26 66.65 Td (similar ) Tj ET Q q 0 0 0 rg BT 409.26 66.65 Td (repricing ) Tj ET Q q 0 0 0 rg BT 458.61 66.65 Td (characteristics; ) Tj ET Q q 0 0 0 rg BT 541.97 66.65 Td (and ) Tj ET Q endstream endobj 71 0 obj <> endobj 72 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (32 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.00 711.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 711.30 Td (behavioral ) Tj ET Q q 0 0 0 rg BT 149.28 711.30 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 229.88 711.30 Td (embedded ) Tj ET Q q 0 0 0 rg BT 290.50 711.30 Td (optionality) Tj ET Q q 0 0 0 rg BT 343.64 711.30 Td (, ) Tj ET Q q 0 0 0 rg BT 350.88 711.30 Td (which ) Tj ET Q q 0 0 0 rg BT 385.47 711.30 Td (arises ) Tj ET Q q 0 0 0 rg BT 421.39 711.30 Td (from ) Tj ET Q q 0 0 0 rg BT 449.30 711.30 Td (client ) Tj ET Q q 0 0 0 rg BT 481.22 711.30 Td (or ) Tj ET Q q 0 0 0 rg BT 495.80 711.30 Td (counterparty ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 696.90 Td (behavior ) Tj ET Q q 0 0 0 rg BT 139.37 696.90 Td (in ) Tj ET Q q 0 0 0 rg BT 152.04 696.90 Td (response ) Tj ET Q q 0 0 0 rg BT 204.74 696.90 Td (to ) Tj ET Q q 0 0 0 rg BT 218.08 696.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 260.77 696.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 284.78 696.90 Td (changes. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 97.35 668.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 126.04 668.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 152.26 668.10 Td (Analysis, ) Tj ET Q q 0 0 0 rg BT 203.61 668.10 Td (Monitoring, ) Tj ET Q q 0 0 0 rg BT 266.30 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.66 668.10 Td (Reporting) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.21 639.30 Td (T) Tj ET Q q 0 0 0 rg BT 111.10 639.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 134.87 639.30 Td (uses ) Tj ET Q q 0 0 0 rg BT 163.98 639.30 Td (two ) Tj ET Q q 0 0 0 rg BT 186.43 639.30 Td (primary ) Tj ET Q q 0 0 0 rg BT 230.20 639.30 Td (measurement ) Tj ET Q q 0 0 0 rg BT 307.33 639.30 Td (techniques ) Tj ET Q q 0 0 0 rg BT 369.14 639.30 Td (to ) Tj ET Q q 0 0 0 rg BT 382.92 639.30 Td (manage ) Tj ET Q q 0 0 0 rg BT 430.05 639.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 473.17 639.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 497.62 639.30 Td (risk: ) Tj ET Q q 0 0 0 rg BT 523.38 639.30 Td (NII ) Tj ET Q q 0 0 0 rg BT 542.49 639.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (MVE ) Tj ET Q q 0 0 0 rg BT 81.95 624.90 Td (sensitivity) Tj ET Q q 0 0 0 rg BT 133.07 624.90 Td (. ) Tj ET Q q 0 0 0 rg BT 138.35 624.90 Td (NII ) Tj ET Q q 0 0 0 rg BT 155.63 624.90 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 209.58 624.90 Td (provides ) Tj ET Q q 0 0 0 rg BT 256.89 624.90 Td (management ) Tj ET Q q 0 0 0 rg BT 328.87 624.90 Td (with ) Tj ET Q q 0 0 0 rg BT 352.16 624.90 Td (a ) Tj ET Q q 0 0 0 rg BT 360.77 624.90 Td (short-term ) Tj ET Q q 0 0 0 rg BT 417.39 624.90 Td (view ) Tj ET Q q 0 0 0 rg BT 443.34 624.90 Td (of ) Tj ET Q q 0 0 0 rg BT 455.29 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 473.92 624.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 511.21 624.90 Td (of ) Tj ET Q q 0 0 0 rg BT 523.16 624.90 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 77.84 610.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 126.37 610.50 Td (on ) Tj ET Q q 0 0 0 rg BT 142.88 610.50 Td (NII. ) Tj ET Q q 0 0 0 rg BT 164.71 610.50 Td (MVE ) Tj ET Q q 0 0 0 rg BT 193.88 610.50 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 249.06 610.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 297.58 610.50 Td (management ) Tj ET Q q 0 0 0 rg BT 370.79 610.50 Td (with ) Tj ET Q q 0 0 0 rg BT 395.29 610.50 Td (a ) Tj ET Q q 0 0 0 rg BT 405.13 610.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 458.97 610.50 Td (view ) Tj ET Q q 0 0 0 rg BT 486.14 610.50 Td (of ) Tj ET Q q 0 0 0 rg BT 499.31 610.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 541.83 610.50 Td (rate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 102.18 596.10 Td (on ) Tj ET Q q 0 0 0 rg BT 118.35 596.10 Td (MVE ) Tj ET Q q 0 0 0 rg BT 147.16 596.10 Td (as ) Tj ET Q q 0 0 0 rg BT 162.65 596.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.47 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.97 596.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 255.16 596.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 300.01 596.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 335.51 596.10 Td (Both ) Tj ET Q q 0 0 0 rg BT 363.01 596.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 419.85 596.10 Td (models ) Tj ET Q q 0 0 0 rg BT 461.35 596.10 Td (use ) Tj ET Q q 0 0 0 rg BT 483.51 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.01 596.10 Td (same ) Tj ET Q q 0 0 0 rg BT 535.17 596.10 Td (initial ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (market ) Tj ET Q q 0 0 0 rg BT 94.01 581.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 136.69 581.70 Td (rates ) Tj ET Q q 0 0 0 rg BT 166.71 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 190.06 581.70 Td (product ) Tj ET Q q 0 0 0 rg BT 233.42 581.70 Td (balances.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 555.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.85 555.30 Td (T) Tj ET Q q 0 0 0 rg BT 111.74 555.30 Td (rust ) Tj ET Q q 0 0 0 rg BT 136.20 555.30 Td (limits ) Tj ET Q q 0 0 0 rg BT 167.99 555.30 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 226.49 555.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 270.30 555.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 295.43 555.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 318.55 555.30 Td (\(as ) Tj ET Q q 0 0 0 rg BT 339.68 555.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 397.50 555.30 Td (by ) Tj ET Q q 0 0 0 rg BT 414.63 555.30 Td (the ) Tj ET Q q 0 0 0 rg BT 435.77 555.30 Td (NII ) Tj ET Q q 0 0 0 rg BT 455.56 555.30 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 512.03 555.30 Td (and ) Tj ET Q q 0 0 0 rg BT 536.51 555.30 Td (MVE ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 540.90 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 108.25 540.90 Td (simulation ) Tj ET Q q 0 0 0 rg BT 164.52 540.90 Td (techniques\) ) Tj ET Q q 0 0 0 rg BT 228.80 540.90 Td (to ) Tj ET Q q 0 0 0 rg BT 241.04 540.90 Td (an ) Tj ET Q q 0 0 0 rg BT 256.63 540.90 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 316.92 540.90 Td (level ) Tj ET Q q 0 0 0 rg BT 343.84 540.90 Td (within ) Tj ET Q q 0 0 0 rg BT 376.76 540.90 Td (the ) Tj ET Q q 0 0 0 rg BT 395.68 540.90 Td (context ) Tj ET Q q 0 0 0 rg BT 436.61 540.90 Td (of ) Tj ET Q q 0 0 0 rg BT 448.86 540.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 469.76 540.90 Td (appetite. ) Tj ET Q q 0 0 0 rg BT 517.59 540.90 Td (A) Tj ET Q q 0 0 0 rg BT 524.93 540.90 Td ( ) Tj ET Q q 0 0 0 rg BT 527.17 540.90 Td (variety ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 526.50 Td (of ) Tj ET Q q 0 0 0 rg BT 68.89 526.50 Td (actions ) Tj ET Q q 0 0 0 rg BT 111.79 526.50 Td (may ) Tj ET Q q 0 0 0 rg BT 139.34 526.50 Td (be ) Tj ET Q q 0 0 0 rg BT 157.56 526.50 Td (used ) Tj ET Q q 0 0 0 rg BT 188.46 526.50 Td (to ) Tj ET Q q 0 0 0 rg BT 203.35 526.50 Td (implement ) Tj ET Q q 0 0 0 rg BT 263.58 526.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 287.12 526.50 Td (management ) Tj ET Q q 0 0 0 rg BT 362.04 526.50 Td (strategies ) Tj ET Q q 0 0 0 rg BT 418.95 526.50 Td (to ) Tj ET Q q 0 0 0 rg BT 433.84 526.50 Td (modify ) Tj ET Q q 0 0 0 rg BT 474.06 526.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 518.29 526.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 543.85 526.50 Td (risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 512.10 Td (including:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 485.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 485.70 Td (purchase of securities;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 471.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 471.30 Td (sale of debt securities that are classified as available for sale;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 456.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 456.90 Td (issuance of senior notes and subordinated notes;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 442.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 442.50 Td (collateralized borrowings from the Federal Home Loan Bank;) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 428.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 428.10 Td (placing and taking Eurodollar time deposits; and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 413.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 413.70 Td (hedges with various types of derivative financial instruments.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 384.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 76.01 384.90 Td (Interest ) Tj ET Q q 0 0 0 rg BT 119.36 384.90 Td (Income ) Tj ET Q q 0 0 0 rg BT 162.05 384.90 Td (\(NII\) ) Tj ET Q q 0 0 0 rg BT 196.70 384.90 Td (Sensitivity) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 356.10 Td (NII ) Tj ET Q q 0 0 0 rg BT 72.67 356.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 128.02 356.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 184.04 356.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.05 356.10 Td (change ) Tj ET Q q 0 0 0 rg BT 246.76 356.10 Td (in ) Tj ET Q q 0 0 0 rg BT 259.43 356.10 Td (NII ) Tj ET Q q 0 0 0 rg BT 278.10 356.10 Td (under ) Tj ET Q q 0 0 0 rg BT 312.12 356.10 Td (various ) Tj ET Q q 0 0 0 rg BT 354.14 356.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 396.83 356.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 420.84 356.10 Td (scenarios. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 327.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 327.30 Td (Refer ) Tj ET Q q 0 0 0 rg BT 123.49 327.30 Td (to ) Tj ET Q q 0 0 0 rg BT 137.65 327.30 Td (page ) Tj ET Q q 0 0 0 rg BT 168.50 327.30 Td (81 ) Tj ET Q q 0 0 0 rg BT 185.99 327.30 Td (within ) Tj ET Q q 0 0 0 rg BT 220.82 327.30 Td (the ) Tj ET Q q 0 0 0 rg BT 241.65 327.30 Td (Corporation) Tj ET Q q 0 0 0 rg BT 306.80 327.30 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 316.95 327.30 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 343.65 327.30 Td ( ) Tj ET Q q 0 0 0 rg BT 346.97 327.30 Td (Annual ) Tj ET Q q 0 0 0 rg BT 388.49 327.30 Td (Report ) Tj ET Q q 0 0 0 rg BT 428.65 327.30 Td (for ) Tj ET Q q 0 0 0 rg BT 446.81 327.30 Td (further ) Tj ET Q q 0 0 0 rg BT 485.64 327.30 Td (information ) Tj ET Q q 0 0 0 rg BT 549.15 327.30 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 312.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 139.80 312.90 Td (T) Tj ET Q q 0 0 0 rg BT 146.69 312.90 Td (rust) Tj ET Q q 0 0 0 rg BT 169.14 312.90 Td (s ) Tj ET Q q 0 0 0 rg BT 178.48 312.90 Td (NII ) Tj ET Q q 0 0 0 rg BT 197.14 312.90 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 252.49 312.90 Td (and ) Tj ET Q q 0 0 0 rg BT 275.85 312.90 Td (stress ) Tj ET Q q 0 0 0 rg BT 311.19 312.90 Td (testing ) Tj ET Q q 0 0 0 rg BT 349.88 312.90 Td (of ) Tj ET Q q 0 0 0 rg BT 363.22 312.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 405.90 312.90 Td (rates.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 286.50 Td (The ) Tj ET Q q 0 0 0 rg BT 78.15 286.50 Td (following ) Tj ET Q q 0 0 0 rg BT 128.32 286.50 Td (table ) Tj ET Q q 0 0 0 rg BT 157.81 286.50 Td (shows ) Tj ET Q q 0 0 0 rg BT 195.30 286.50 Td (the ) Tj ET Q q 0 0 0 rg BT 215.46 286.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 270.96 286.50 Td (NII ) Tj ET Q q 0 0 0 rg BT 289.77 286.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 328.58 286.50 Td (over ) Tj ET Q q 0 0 0 rg BT 355.40 286.50 Td (the ) Tj ET Q q 0 0 0 rg BT 375.56 286.50 Td (next ) Tj ET Q q 0 0 0 rg BT 401.71 286.50 Td (twelve ) Tj ET Q q 0 0 0 rg BT 439.20 286.50 Td (months ) Tj ET Q q 0 0 0 rg BT 482.03 286.50 Td (of ) Tj ET Q q 0 0 0 rg BT 495.51 286.50 Td (100 ) Tj ET Q q 0 0 0 rg BT 519.00 286.50 Td (and ) Tj ET Q q 0 0 0 rg BT 542.50 286.50 Td (200 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 272.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 85.37 272.10 Td (point ) Tj ET Q q 0 0 0 rg BT 114.74 272.10 Td (upward ) Tj ET Q q 0 0 0 rg BT 157.45 272.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.82 272.10 Td (50 ) Tj ET Q q 0 0 0 rg BT 197.52 272.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 228.89 272.10 Td (point ) Tj ET Q q 0 0 0 rg BT 258.26 272.10 Td (downward ) Tj ET Q q 0 0 0 rg BT 316.31 272.10 Td (movements ) Tj ET Q q 0 0 0 rg BT 381.68 272.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.38 272.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 437.08 272.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 467.11 272.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 509.15 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.50 272.10 Td (forward ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 257.70 Td (rates. ) Tj ET Q q 0 0 0 rg BT 87.27 257.70 Td (Each ) Tj ET Q q 0 0 0 rg BT 117.89 257.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 141.83 257.70 Td (movement ) Tj ET Q q 0 0 0 rg BT 201.11 257.70 Td (is ) Tj ET Q q 0 0 0 rg BT 213.04 257.70 Td (assumed ) Tj ET Q q 0 0 0 rg BT 264.99 257.70 Td (to ) Tj ET Q q 0 0 0 rg BT 278.26 257.70 Td (occur ) Tj ET Q q 0 0 0 rg BT 310.87 257.70 Td (gradually ) Tj ET Q q 0 0 0 rg BT 362.83 257.70 Td (over ) Tj ET Q q 0 0 0 rg BT 389.43 257.70 Td (a ) Tj ET Q q 0 0 0 rg BT 399.37 257.70 Td (one-year ) Tj ET Q q 0 0 0 rg BT 449.99 257.70 Td (period. ) Tj ET Q q 0 0 0 rg BT 489.95 257.70 Td (Given ) Tj ET Q q 0 0 0 rg BT 524.56 257.70 Td (the ) Tj ET Q q 0 0 0 rg BT 544.50 257.70 Td (low ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 243.30 Td (level ) Tj ET Q q 0 0 0 rg BT 81.28 243.30 Td (of ) Tj ET Q q 0 0 0 rg BT 93.89 243.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.84 243.30 Td (rates, ) Tj ET Q q 0 0 0 rg BT 168.46 243.30 Td (the ) Tj ET Q q 0 0 0 rg BT 187.74 243.30 Td (simulation ) Tj ET Q q 0 0 0 rg BT 244.37 243.30 Td (of ) Tj ET Q q 0 0 0 rg BT 256.97 243.30 Td (NII ) Tj ET Q q 0 0 0 rg BT 274.91 243.30 Td (for ) Tj ET Q q 0 0 0 rg BT 291.52 243.30 Td (downward ) Tj ET Q q 0 0 0 rg BT 348.81 243.30 Td (movements ) Tj ET Q q 0 0 0 rg BT 413.44 243.30 Td (in ) Tj ET Q q 0 0 0 rg BT 425.38 243.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 467.33 243.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 496.61 243.30 Td (of ) Tj ET Q q 0 0 0 rg BT 509.22 243.30 Td (more ) Tj ET Q q 0 0 0 rg BT 539.16 243.30 Td (than ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 228.90 Td (50 ) Tj ET Q q 0 0 0 rg BT 70.68 228.90 Td (basis ) Tj ET Q q 0 0 0 rg BT 102.03 228.90 Td (points ) Tj ET Q q 0 0 0 rg BT 137.38 228.90 Td (would ) Tj ET Q q 0 0 0 rg BT 172.07 228.90 Td (not ) Tj ET Q q 0 0 0 rg BT 192.09 228.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 234.78 228.90 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 296.82 228.90 Td (results.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 200.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 200.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 200.10 Td (18: ) Tj ET Q q 0 0 0 rg BT 108.46 200.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 131.13 200.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 177.81 200.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 223.16 200.10 Td (Sensitivity) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 189.60 241.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 294.75 189.60 267.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 174.60 241.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 294.75 174.60 267.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 159.60 241.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 294.75 159.60 267.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 105.60 241.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 294.75 105.60 267.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 189.60000000000002 m 53.75 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 189.60000000000002 m 294.75 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 174.60000000000002 m 294.75 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 189.60000000000002 m 465.75 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 174.60000000000002 m 465.75 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 189.60000000000002 m 561.75 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 189.60000000000002 m 561.75 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 174.60000000000002 m 561.75 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 174.60000000000002 m 53.75 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 174.60000000000002 m 561.75 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 159.60000000000002 m 53.75 135.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 159.60000000000002 m 294.75 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 159.60000000000002 m 465.75 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 159.60000000000002 m 561.75 135.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 159.60000000000002 m 561.75 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 135.60000000000002 m 53.75 120.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 135.60000000000002 m 294.75 135.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 135.60000000000002 m 465.75 135.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 135.60000000000002 m 561.75 120.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 135.60000000000002 m 561.75 135.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 120.60000000000002 m 53.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 105.60000000000002 m 294.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 105.60000000000002 m 465.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 120.60000000000002 m 561.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 105.60000000000002 m 561.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 105.60000000000002 m 53.75 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 105.60000000000002 m 294.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 105.60000000000002 m 465.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 105.60000000000002 m 561.75 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 105.60000000000002 m 561.75 105.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 81.60000000000002 m 53.75 66.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 81.60000000000002 m 294.75 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 66.60000000000002 m 294.75 66.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 81.60000000000002 m 465.75 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.75 66.60000000000002 m 465.75 66.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 81.60000000000002 m 561.75 66.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 81.60000000000002 m 561.75 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 66.60000000000002 m 561.75 66.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 179.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 179.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.85 164.22 Td (Increase \(Decrease\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 149.82 Td (Increase in Interest Rates above ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 139.82 Td (Market Implied Forward Rates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.75 149.82 Td (Estimated Impact on Next ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.35 139.82 Td (T) Tj ET Q q 0 0 0 rg BT 395.91 139.82 Td (welve Months of Net Interest Income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 125.22 Td (100 basis points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.25 125.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 125.22 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 110.22 Td (200 basis points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.25 110.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 110.22 Td (1) Tj ET Q q 0 0 0 rg BT 546.76 110.22 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 95.82 Td (Decrease in Interest Rates below) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 85.82 Td (Market Implied Forward Rates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 71.22 Td (50 basis points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.25 71.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.40 71.22 Td (\(64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.90 71.22 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 73 0 obj <> endobj 74 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (33 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (The NII sensitivity analysis does not incorporate any management actions that may be used to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 696.90 Td (mitigate adverse ef) Tj ET Q q 0 0 0 rg BT 155.17 696.90 Td (fects of actual interest rate movement. For that reason and others, the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (estimated impacts do not reflect the likely actual results but serve as estimates of interest rate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (risk. NII sensitivity is not comparable to actual results disclosed elsewhere or directly predictive ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (of future values of other measures provided. ) Tj ET Q q 0 0 0 rg BT 291.91 653.70 Td (The estimated impacts presented above are not ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (directly comparable to those presented in documents prepared by the Corporation prior to the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (filing of its ) Tj ET Q q 0 0 0 rg BT 110.03 624.90 Td (Annual Report on Form 10-K for the year ended December 31, 2017 with the U.S. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (Securities and Exchange Commission due to changes to client deposit pricing assumptions and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (the implementation of interest rate risk model enhancements.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (Market ) Tj ET Q q 0 0 0 rg BT 94.01 567.30 Td (V) Tj ET Q q 0 0 0 rg BT 101.57 567.30 Td (alue ) Tj ET Q q 0 0 0 rg BT 127.59 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 140.93 567.30 Td (Equity ) Tj ET Q q 0 0 0 rg BT 177.62 567.30 Td (\(MVE\) ) Tj ET Q q 0 0 0 rg BT 222.94 567.30 Td (Sensitivity) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (A) Tj ET Q q 0 0 0 rg BT 61.34 538.50 Td ( ) Tj ET Q q 0 0 0 rg BT 65.62 538.50 Td (second ) Tj ET Q q 0 0 0 rg BT 108.59 538.50 Td (technique ) Tj ET Q q 0 0 0 rg BT 164.90 538.50 Td (used ) Tj ET Q q 0 0 0 rg BT 195.20 538.50 Td (to ) Tj ET Q q 0 0 0 rg BT 209.48 538.50 Td (measure ) Tj ET Q q 0 0 0 rg BT 260.45 538.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 304.07 538.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 329.03 538.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 351.96 538.50 Td (is ) Tj ET Q q 0 0 0 rg BT 364.90 538.50 Td (MVE ) Tj ET Q q 0 0 0 rg BT 395.18 538.50 Td (sensitivity) Tj ET Q q 0 0 0 rg BT 446.31 538.50 Td (, ) Tj ET Q q 0 0 0 rg BT 453.91 538.50 Td (which ) Tj ET Q q 0 0 0 rg BT 488.87 538.50 Td (measures ) Tj ET Q q 0 0 0 rg BT 545.83 538.50 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (change ) Tj ET Q q 0 0 0 rg BT 96.70 524.10 Td (in ) Tj ET Q q 0 0 0 rg BT 109.38 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.39 524.10 Td (MVE ) Tj ET Q q 0 0 0 rg BT 158.73 524.10 Td (under ) Tj ET Q q 0 0 0 rg BT 192.76 524.10 Td (various ) Tj ET Q q 0 0 0 rg BT 234.77 524.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 277.46 524.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 301.47 524.10 Td (scenarios. ) Tj ET Q q 0 0 0 rg BT 359.50 524.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 495.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 495.30 Td (Refer ) Tj ET Q q 0 0 0 rg BT 123.49 495.30 Td (to ) Tj ET Q q 0 0 0 rg BT 137.65 495.30 Td (page ) Tj ET Q q 0 0 0 rg BT 168.50 495.30 Td (82 ) Tj ET Q q 0 0 0 rg BT 185.99 495.30 Td (within ) Tj ET Q q 0 0 0 rg BT 220.82 495.30 Td (the ) Tj ET Q q 0 0 0 rg BT 241.65 495.30 Td (Corporation) Tj ET Q q 0 0 0 rg BT 306.80 495.30 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 316.95 495.30 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 343.65 495.30 Td ( ) Tj ET Q q 0 0 0 rg BT 346.97 495.30 Td (Annual ) Tj ET Q q 0 0 0 rg BT 388.49 495.30 Td (Report ) Tj ET Q q 0 0 0 rg BT 428.65 495.30 Td (for ) Tj ET Q q 0 0 0 rg BT 446.81 495.30 Td (further ) Tj ET Q q 0 0 0 rg BT 485.64 495.30 Td (information ) Tj ET Q q 0 0 0 rg BT 549.15 495.30 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 480.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 139.80 480.90 Td (T) Tj ET Q q 0 0 0 rg BT 146.69 480.90 Td (rust) Tj ET Q q 0 0 0 rg BT 169.14 480.90 Td (s ) Tj ET Q q 0 0 0 rg BT 178.48 480.90 Td (MVE ) Tj ET Q q 0 0 0 rg BT 207.81 480.90 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 263.16 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 286.52 480.90 Td (stress ) Tj ET Q q 0 0 0 rg BT 321.86 480.90 Td (testing ) Tj ET Q q 0 0 0 rg BT 360.54 480.90 Td (of ) Tj ET Q q 0 0 0 rg BT 373.89 480.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 416.57 480.90 Td (rates.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 454.50 Td (The ) Tj ET Q q 0 0 0 rg BT 78.61 454.50 Td (following ) Tj ET Q q 0 0 0 rg BT 129.23 454.50 Td (table ) Tj ET Q q 0 0 0 rg BT 159.19 454.50 Td (shows ) Tj ET Q q 0 0 0 rg BT 197.13 454.50 Td (the ) Tj ET Q q 0 0 0 rg BT 217.75 454.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 273.70 454.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 312.98 454.50 Td (on ) Tj ET Q q 0 0 0 rg BT 330.26 454.50 Td (MVE ) Tj ET Q q 0 0 0 rg BT 360.19 454.50 Td (of ) Tj ET Q q 0 0 0 rg BT 374.13 454.50 Td (100 ) Tj ET Q q 0 0 0 rg BT 398.09 454.50 Td (and ) Tj ET Q q 0 0 0 rg BT 422.04 454.50 Td (200 ) Tj ET Q q 0 0 0 rg BT 445.99 454.50 Td (basis ) Tj ET Q q 0 0 0 rg BT 477.94 454.50 Td (point ) Tj ET Q q 0 0 0 rg BT 507.89 454.50 Td (shocks ) Tj ET Q q 0 0 0 rg BT 549.17 454.50 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 440.10 Td (and ) Tj ET Q q 0 0 0 rg BT 77.62 440.10 Td (a ) Tj ET Q q 0 0 0 rg BT 87.90 440.10 Td (50 ) Tj ET Q q 0 0 0 rg BT 104.85 440.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 136.46 440.10 Td (point ) Tj ET Q q 0 0 0 rg BT 166.08 440.10 Td (shock ) Tj ET Q q 0 0 0 rg BT 201.03 440.10 Td (down ) Tj ET Q q 0 0 0 rg BT 233.32 440.10 Td (from ) Tj ET Q q 0 0 0 rg BT 260.92 440.10 Td (current ) Tj ET Q q 0 0 0 rg BT 301.87 440.10 Td (market ) Tj ET Q q 0 0 0 rg BT 342.15 440.10 Td (implied ) Tj ET Q q 0 0 0 rg BT 383.76 440.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 427.38 440.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 460.99 440.10 Td (Given ) Tj ET Q q 0 0 0 rg BT 495.94 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.22 440.10 Td (low ) Tj ET Q q 0 0 0 rg BT 537.83 440.10 Td (level ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 425.70 Td (of ) Tj ET Q q 0 0 0 rg BT 67.45 425.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 110.24 425.70 Td (rates ) Tj ET Q q 0 0 0 rg BT 140.36 425.70 Td (and ) Tj ET Q q 0 0 0 rg BT 163.82 425.70 Td (assumed ) Tj ET Q q 0 0 0 rg BT 215.95 425.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 258.74 425.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 282.86 425.70 Td (floors ) Tj ET Q q 0 0 0 rg BT 315.64 425.70 Td (as ) Tj ET Q q 0 0 0 rg BT 331.76 425.70 Td (rates ) Tj ET Q q 0 0 0 rg BT 361.87 425.70 Td (approach ) Tj ET Q q 0 0 0 rg BT 415.35 425.70 Td (zero, ) Tj ET Q q 0 0 0 rg BT 445.47 425.70 Td (the ) Tj ET Q q 0 0 0 rg BT 465.59 425.70 Td (simulation ) Tj ET Q q 0 0 0 rg BT 523.06 425.70 Td (of ) Tj ET Q q 0 0 0 rg BT 536.50 425.70 Td (MVE ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 411.30 Td (for ) Tj ET Q q 0 0 0 rg BT 73.78 411.30 Td (downward ) Tj ET Q q 0 0 0 rg BT 134.26 411.30 Td (movements ) Tj ET Q q 0 0 0 rg BT 202.06 411.30 Td (in ) Tj ET Q q 0 0 0 rg BT 217.19 411.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 262.32 411.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 294.78 411.30 Td (of ) Tj ET Q q 0 0 0 rg BT 310.56 411.30 Td (more ) Tj ET Q q 0 0 0 rg BT 343.69 411.30 Td (than ) Tj ET Q q 0 0 0 rg BT 372.82 411.30 Td (50 ) Tj ET Q q 0 0 0 rg BT 391.95 411.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 425.74 411.30 Td (points ) Tj ET Q q 0 0 0 rg BT 463.55 411.30 Td (would ) Tj ET Q q 0 0 0 rg BT 500.68 411.30 Td (not ) Tj ET Q q 0 0 0 rg BT 523.14 411.30 Td (provide ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 396.90 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 116.04 396.90 Td (results.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 368.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 368.10 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 368.10 Td (19: ) Tj ET Q q 0 0 0 rg BT 108.46 368.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 150.48 368.10 Td (V) Tj ET Q q 0 0 0 rg BT 157.82 368.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 185.17 368.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.83 368.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 239.83 368.10 Td (Sensitivity ) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 357.60 172.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 225.75 357.60 336.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 342.60 172.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 225.75 342.60 112.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 337.75 342.60 224.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 327.60 172.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 225.75 327.60 336.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.75 273.60 172.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 225.75 273.60 336.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 357.6 m 53.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 357.6 m 225.75 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 342.6 m 225.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 357.6 m 337.75 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 342.6 m 337.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 357.6 m 465.75 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 342.6 m 465.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 357.6 m 561.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 357.6 m 561.75 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 342.6 m 561.75 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 342.6 m 53.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 342.6 m 561.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 327.6 m 53.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 327.6 m 225.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 327.6 m 337.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 327.6 m 465.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 327.6 m 561.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 327.6 m 561.75 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 303.6 m 53.75 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 303.6 m 225.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 303.6 m 337.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 303.6 m 465.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 303.6 m 561.75 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 303.6 m 561.75 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 288.6 m 53.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 273.6 m 225.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 273.6 m 337.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 273.6 m 465.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 288.6 m 561.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 273.6 m 561.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 273.6 m 53.75 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 273.6 m 225.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 273.6 m 337.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 273.6 m 465.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 273.6 m 561.75 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 273.6 m 561.75 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 249.60000000000002 m 53.75 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 249.60000000000002 m 225.75 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.75 234.60000000000002 m 225.75 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 249.60000000000002 m 337.75 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.75 234.60000000000002 m 337.75 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 249.60000000000002 m 465.75 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 234.60000000000002 m 465.75 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 561.75 249.60000000000002 m 561.75 234.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 249.60000000000002 m 561.75 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.75 234.60000000000002 m 561.75 234.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 56.25 347.22 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.15 347.22 Td (As of March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.85 332.22 Td (Increase \(Decrease\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 317.82 Td (Increase in Interest Rates above ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 307.82 Td (Market Implied Forward Rates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.05 317.82 Td (Estimated Impact on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.35 307.82 Td (Market V) Tj ET Q q 0 0 0 rg BT 497.62 307.82 Td (alue of Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 293.22 Td (100 basis points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.25 293.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.20 293.22 Td (228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 278.22 Td (200 basis points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.25 278.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.75 278.22 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 263.82 Td (Decrease in Interest Rates below) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 253.82 Td (Market Implied Forward Rates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.25 239.22 Td (50 basis points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.25 239.22 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.85 239.22 Td (\(352) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.90 239.22 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 206.30 Td (The ) Tj ET Q q 0 0 0 rg BT 78.27 206.30 Td (MVE ) Tj ET Q q 0 0 0 rg BT 107.86 206.30 Td (simulations ) Tj ET Q q 0 0 0 rg BT 171.47 206.30 Td (do ) Tj ET Q q 0 0 0 rg BT 188.41 206.30 Td (not ) Tj ET Q q 0 0 0 rg BT 208.68 206.30 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 272.31 206.30 Td (any ) Tj ET Q q 0 0 0 rg BT 295.24 206.30 Td (management ) Tj ET Q q 0 0 0 rg BT 368.88 206.30 Td (actions ) Tj ET Q q 0 0 0 rg BT 410.49 206.30 Td (that ) Tj ET Q q 0 0 0 rg BT 434.09 206.30 Td (may ) Tj ET Q q 0 0 0 rg BT 460.35 206.30 Td (be ) Tj ET Q q 0 0 0 rg BT 477.29 206.30 Td (used ) Tj ET Q q 0 0 0 rg BT 506.90 206.30 Td (to ) Tj ET Q q 0 0 0 rg BT 520.50 206.30 Td (mitigate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 191.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 101.55 191.90 Td (ef) Tj ET Q q 0 0 0 rg BT 111.34 191.90 Td (fects ) Tj ET Q q 0 0 0 rg BT 141.54 191.90 Td (of ) Tj ET Q q 0 0 0 rg BT 156.41 191.90 Td (actual ) Tj ET Q q 0 0 0 rg BT 193.29 191.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.49 191.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 263.03 191.90 Td (movements. ) Tj ET Q q 0 0 0 rg BT 333.24 191.90 Td (For ) Tj ET Q q 0 0 0 rg BT 356.10 191.90 Td (that ) Tj ET Q q 0 0 0 rg BT 380.98 191.90 Td (reason ) Tj ET Q q 0 0 0 rg BT 422.52 191.90 Td (and ) Tj ET Q q 0 0 0 rg BT 447.40 191.90 Td (others, ) Tj ET Q q 0 0 0 rg BT 488.95 191.90 Td (the ) Tj ET Q q 0 0 0 rg BT 510.49 191.90 Td (estimated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 177.50 Td (impacts ) Tj ET Q q 0 0 0 rg BT 99.45 177.50 Td (do ) Tj ET Q q 0 0 0 rg BT 116.90 177.50 Td (not ) Tj ET Q q 0 0 0 rg BT 137.68 177.50 Td (reflect ) Tj ET Q q 0 0 0 rg BT 174.46 177.50 Td (the ) Tj ET Q q 0 0 0 rg BT 195.25 177.50 Td (likely ) Tj ET Q q 0 0 0 rg BT 226.02 177.50 Td (actual ) Tj ET Q q 0 0 0 rg BT 262.14 177.50 Td (results ) Tj ET Q q 0 0 0 rg BT 301.59 177.50 Td (but ) Tj ET Q q 0 0 0 rg BT 322.37 177.50 Td (serve ) Tj ET Q q 0 0 0 rg BT 355.82 177.50 Td (as ) Tj ET Q q 0 0 0 rg BT 372.60 177.50 Td (estimates ) Tj ET Q q 0 0 0 rg BT 428.05 177.50 Td (of ) Tj ET Q q 0 0 0 rg BT 442.16 177.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 485.62 177.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 510.40 177.50 Td (risk. ) Tj ET Q q 0 0 0 rg BT 536.49 177.50 Td (MVE ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 163.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 109.52 163.10 Td (is ) Tj ET Q q 0 0 0 rg BT 121.70 163.10 Td (not ) Tj ET Q q 0 0 0 rg BT 141.89 163.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 208.10 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.61 163.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 257.14 163.10 Td (results ) Tj ET Q q 0 0 0 rg BT 295.99 163.10 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 349.53 163.10 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 407.73 163.10 Td (or ) Tj ET Q q 0 0 0 rg BT 421.91 163.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 463.43 163.10 Td (predictive ) Tj ET Q q 0 0 0 rg BT 518.30 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 531.81 163.10 Td (future ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 148.70 Td (values ) Tj ET Q q 0 0 0 rg BT 93.90 148.70 Td (of ) Tj ET Q q 0 0 0 rg BT 109.13 148.70 Td (other ) Tj ET Q q 0 0 0 rg BT 141.69 148.70 Td (measures ) Tj ET Q q 0 0 0 rg BT 199.60 148.70 Td (provided. ) Tj ET Q q 0 0 0 rg BT 253.84 148.70 Td (The ) Tj ET Q q 0 0 0 rg BT 279.73 148.70 Td (estimated ) Tj ET Q q 0 0 0 rg BT 336.97 148.70 Td (impacts ) Tj ET Q q 0 0 0 rg BT 383.53 148.70 Td (presented ) Tj ET Q q 0 0 0 rg BT 442.12 148.70 Td (above ) Tj ET Q q 0 0 0 rg BT 480.03 148.70 Td (are ) Tj ET Q q 0 0 0 rg BT 502.59 148.70 Td (not ) Tj ET Q q 0 0 0 rg BT 524.49 148.70 Td (directly ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 134.30 Td (comparable ) Tj ET Q q 0 0 0 rg BT 119.87 134.30 Td (to ) Tj ET Q q 0 0 0 rg BT 133.05 134.30 Td (those ) Tj ET Q q 0 0 0 rg BT 165.57 134.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 222.12 134.30 Td (in ) Tj ET Q q 0 0 0 rg BT 234.62 134.30 Td (documents ) Tj ET Q q 0 0 0 rg BT 296.49 134.30 Td (prepared ) Tj ET Q q 0 0 0 rg BT 347.70 134.30 Td (by ) Tj ET Q q 0 0 0 rg BT 363.54 134.30 Td (the ) Tj ET Q q 0 0 0 rg BT 383.39 134.30 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 449.26 134.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.44 134.30 Td (to ) Tj ET Q q 0 0 0 rg BT 489.62 134.30 Td (the ) Tj ET Q q 0 0 0 rg BT 509.47 134.30 Td (filing ) Tj ET Q q 0 0 0 rg BT 537.32 134.30 Td (of ) Tj ET Q q 0 0 0 rg BT 550.49 134.30 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 119.90 Td (Annual ) Tj ET Q q 0 0 0 rg BT 94.38 119.90 Td (Report ) Tj ET Q q 0 0 0 rg BT 133.41 119.90 Td (on ) Tj ET Q q 0 0 0 rg BT 149.78 119.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 180.79 119.90 Td (10-K ) Tj ET Q q 0 0 0 rg BT 209.15 119.90 Td (for ) Tj ET Q q 0 0 0 rg BT 226.17 119.90 Td (the ) Tj ET Q q 0 0 0 rg BT 245.87 119.90 Td (year ) Tj ET Q q 0 0 0 rg BT 272.22 119.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 308.61 119.90 Td (December ) Tj ET Q q 0 0 0 rg BT 366.98 119.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 386.67 119.90 Td (2017 ) Tj ET Q q 0 0 0 rg BT 416.38 119.90 Td (with ) Tj ET Q q 0 0 0 rg BT 440.74 119.90 Td (the ) Tj ET Q q 0 0 0 rg BT 460.44 119.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 486.79 119.90 Td (Securities ) Tj ET Q q 0 0 0 rg BT 542.49 119.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 105.50 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 116.24 105.50 Td (Commission ) Tj ET Q q 0 0 0 rg BT 191.13 105.50 Td (due ) Tj ET Q q 0 0 0 rg BT 220.02 105.50 Td (to ) Tj ET Q q 0 0 0 rg BT 238.90 105.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 293.14 105.50 Td (to ) Tj ET Q q 0 0 0 rg BT 312.02 105.50 Td (client ) Tj ET Q q 0 0 0 rg BT 348.90 105.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 396.47 105.50 Td (pricing ) Tj ET Q q 0 0 0 rg BT 440.69 105.50 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 516.93 105.50 Td (and ) Tj ET Q q 0 0 0 rg BT 545.82 105.50 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 91.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 138.71 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.05 91.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 194.74 91.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 218.75 91.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 240.74 91.10 Td (model ) Tj ET Q q 0 0 0 rg BT 276.76 91.10 Td (enhancements.) Tj ET Q endstream endobj 75 0 obj <> endobj 76 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (34 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Foreign Currency Risk) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 98.02 682.50 Td (Currency ) Tj ET Q q 0 0 0 rg BT 150.04 682.50 Td (Non-T) Tj ET Q q 0 0 0 rg BT 182.48 682.50 Td (rading ) Tj ET Q q 0 0 0 rg BT 219.18 682.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 245.84 682.50 Td (Overview) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.59 653.70 Td (T) Tj ET Q q 0 0 0 rg BT 111.47 653.70 Td (rust) Tj ET Q q 0 0 0 rg BT 133.92 653.70 Td (s ) Tj ET Q q 0 0 0 rg BT 144.09 653.70 Td (balance ) Tj ET Q q 0 0 0 rg BT 190.30 653.70 Td (sheet ) Tj ET Q q 0 0 0 rg BT 223.82 653.70 Td (is ) Tj ET Q q 0 0 0 rg BT 236.66 653.70 Td (exposed ) Tj ET Q q 0 0 0 rg BT 286.19 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 300.37 653.70 Td (nontrading ) Tj ET Q q 0 0 0 rg BT 361.25 653.70 Td (foreign ) Tj ET Q q 0 0 0 rg BT 402.11 653.70 Td (currency ) Tj ET Q q 0 0 0 rg BT 452.30 653.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 475.13 653.70 Td (as ) Tj ET Q q 0 0 0 rg BT 491.97 653.70 Td (a ) Tj ET Q q 0 0 0 rg BT 502.81 653.70 Td (result ) Tj ET Q q 0 0 0 rg BT 536.32 653.70 Td (of ) Tj ET Q q 0 0 0 rg BT 550.50 653.70 Td (its ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (holdings ) Tj ET Q q 0 0 0 rg BT 108.90 639.30 Td (of ) Tj ET Q q 0 0 0 rg BT 129.11 639.30 Td (non-U.S.-dollar-denominated ) Tj ET Q q 0 0 0 rg BT 293.39 639.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 338.27 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 368.49 639.30 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 427.38 639.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 495.60 639.30 Td (in ) Tj ET Q q 0 0 0 rg BT 515.14 639.30 Td (non-U.S. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 123.26 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 145.84 624.90 Td (future ) Tj ET Q q 0 0 0 rg BT 179.09 624.90 Td (non-U.S.-dollar-denominated ) Tj ET Q q 0 0 0 rg BT 335.73 624.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 381.66 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 404.24 624.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 455.34 624.90 Td (T) Tj ET Q q 0 0 0 rg BT 461.34 624.90 Td (o ) Tj ET Q q 0 0 0 rg BT 470.57 624.90 Td (manage ) Tj ET Q q 0 0 0 rg BT 516.50 624.90 Td (currency ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (exposures ) Tj ET Q q 0 0 0 rg BT 113.77 610.50 Td (on ) Tj ET Q q 0 0 0 rg BT 131.52 610.50 Td (the ) Tj ET Q q 0 0 0 rg BT 152.61 610.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 199.05 610.50 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 236.15 610.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 286.95 610.50 Td (T) Tj ET Q q 0 0 0 rg BT 293.84 610.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 318.25 610.50 Td (attempts ) Tj ET Q q 0 0 0 rg BT 368.67 610.50 Td (to ) Tj ET Q q 0 0 0 rg BT 383.08 610.50 Td (match ) Tj ET Q q 0 0 0 rg BT 420.17 610.50 Td (its ) Tj ET Q q 0 0 0 rg BT 436.57 610.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 475.66 610.50 Td (and ) Tj ET Q q 0 0 0 rg BT 500.09 610.50 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 549.84 610.50 Td (by ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (currency) Tj ET Q q 0 0 0 rg BT 99.12 596.10 Td (. ) Tj ET Q q 0 0 0 rg BT 104.79 596.10 Td (If ) Tj ET Q q 0 0 0 rg BT 113.79 596.10 Td (those ) Tj ET Q q 0 0 0 rg BT 145.47 596.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 193.82 596.10 Td (of) Tj ET Q q 0 0 0 rg BT 203.61 596.10 Td (fsets ) Tj ET Q q 0 0 0 rg BT 231.28 596.10 Td (do ) Tj ET Q q 0 0 0 rg BT 246.96 596.10 Td (not ) Tj ET Q q 0 0 0 rg BT 265.97 596.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 292.98 596.10 Td (on ) Tj ET Q q 0 0 0 rg BT 308.66 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.67 596.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 372.04 596.10 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 407.06 596.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 455.92 596.10 Td (T) Tj ET Q q 0 0 0 rg BT 462.81 596.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 485.14 596.10 Td (will ) Tj ET Q q 0 0 0 rg BT 504.14 596.10 Td (use ) Tj ET Q q 0 0 0 rg BT 525.82 596.10 Td (foreign ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (exchange ) Tj ET Q q 0 0 0 rg BT 109.22 581.70 Td (derivative ) Tj ET Q q 0 0 0 rg BT 163.75 581.70 Td (contracts ) Tj ET Q q 0 0 0 rg BT 215.61 581.70 Td (to ) Tj ET Q q 0 0 0 rg BT 228.79 581.70 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 273.98 581.70 Td (its ) Tj ET Q q 0 0 0 rg BT 289.16 581.70 Td (currency ) Tj ET Q q 0 0 0 rg BT 338.35 581.70 Td (exposure. ) Tj ET Q q 0 0 0 rg BT 394.22 581.70 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 438.08 581.70 Td (exchange ) Tj ET Q q 0 0 0 rg BT 493.30 581.70 Td (contracts ) Tj ET Q q 0 0 0 rg BT 545.16 581.70 Td (are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (also ) Tj ET Q q 0 0 0 rg BT 80.17 567.30 Td (used ) Tj ET Q q 0 0 0 rg BT 110.34 567.30 Td (to ) Tj ET Q q 0 0 0 rg BT 124.51 567.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 165.35 567.30 Td (Northern ) Tj ET Q q 0 0 0 rg BT 215.92 567.30 Td (T) Tj ET Q q 0 0 0 rg BT 222.81 567.30 Td (rust) Tj ET Q q 0 0 0 rg BT 245.26 567.30 Td (s ) Tj ET Q q 0 0 0 rg BT 255.42 567.30 Td (currency ) Tj ET Q q 0 0 0 rg BT 305.58 567.30 Td (exposure ) Tj ET Q q 0 0 0 rg BT 359.10 567.30 Td (to ) Tj ET Q q 0 0 0 rg BT 373.27 567.30 Td (future ) Tj ET Q q 0 0 0 rg BT 408.10 567.30 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 459.61 567.30 Td (dollar ) Tj ET Q q 0 0 0 rg BT 493.12 567.30 Td (denominated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.70 552.90 Td (and ) Tj ET Q q 0 0 0 rg BT 124.05 552.90 Td (expense.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (T) Tj ET Q q 0 0 0 rg BT 60.67 524.10 Td (rading Risk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (T) Tj ET Q q 0 0 0 rg BT 60.88 495.30 Td (rading ) Tj ET Q q 0 0 0 rg BT 100.43 495.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 125.28 495.30 Td (arises ) Tj ET Q q 0 0 0 rg BT 163.47 495.30 Td (from ) Tj ET Q q 0 0 0 rg BT 193.66 495.30 Td (providing ) Tj ET Q q 0 0 0 rg BT 248.54 495.30 Td (foreign ) Tj ET Q q 0 0 0 rg BT 291.42 495.30 Td (exchange, ) Tj ET Q q 0 0 0 rg BT 352.99 495.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 409.86 495.30 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 470.08 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 496.29 495.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 541.82 495.30 Td (rate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 115.66 480.90 Td (services ) Tj ET Q q 0 0 0 rg BT 163.97 480.90 Td (to ) Tj ET Q q 0 0 0 rg BT 178.28 480.90 Td (clients. ) Tj ET Q q 0 0 0 rg BT 219.93 480.90 Td (Securities ) Tj ET Q q 0 0 0 rg BT 276.92 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 301.25 480.90 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 362.91 480.90 Td (activities ) Tj ET Q q 0 0 0 rg BT 413.22 480.90 Td (are ) Tj ET Q q 0 0 0 rg BT 434.87 480.90 Td (limited ) Tj ET Q q 0 0 0 rg BT 473.85 480.90 Td (and ) Tj ET Q q 0 0 0 rg BT 498.17 480.90 Td (their ) Tj ET Q q 0 0 0 rg BT 525.82 480.90 Td (trading ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (risks ) Tj ET Q q 0 0 0 rg BT 82.00 466.50 Td (are ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 102.67 466.50 Td (de ) Tj ET Q q 0 0 0 rg BT 119.36 466.50 Td (minimis) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 160.02 466.50 Td (. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 98.02 437.70 Td (Currency ) Tj ET Q q 0 0 0 rg BT 150.04 437.70 Td (T) Tj ET Q q 0 0 0 rg BT 156.47 437.70 Td (rading ) Tj ET Q q 0 0 0 rg BT 193.17 437.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 219.83 437.70 Td (Overview) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 408.90 Td (Northern ) Tj ET Q q 0 0 0 rg BT 103.34 408.90 Td (T) Tj ET Q q 0 0 0 rg BT 110.23 408.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 133.07 408.90 Td (provides ) Tj ET Q q 0 0 0 rg BT 181.27 408.90 Td (foreign ) Tj ET Q q 0 0 0 rg BT 220.80 408.90 Td (exchange ) Tj ET Q q 0 0 0 rg BT 275.68 408.90 Td (services ) Tj ET Q q 0 0 0 rg BT 322.53 408.90 Td (to ) Tj ET Q q 0 0 0 rg BT 335.37 408.90 Td (clients. ) Tj ET Q q 0 0 0 rg BT 375.56 408.90 Td (Most ) Tj ET Q q 0 0 0 rg BT 404.40 408.90 Td (of ) Tj ET Q q 0 0 0 rg BT 417.25 408.90 Td (these ) Tj ET Q q 0 0 0 rg BT 449.44 408.90 Td (services ) Tj ET Q q 0 0 0 rg BT 496.29 408.90 Td (are ) Tj ET Q q 0 0 0 rg BT 516.47 408.90 Td (provided ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 394.50 Td (in ) Tj ET Q q 0 0 0 rg BT 68.15 394.50 Td (connection ) Tj ET Q q 0 0 0 rg BT 131.01 394.50 Td (with ) Tj ET Q q 0 0 0 rg BT 157.16 394.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 208.35 394.50 Td (T) Tj ET Q q 0 0 0 rg BT 215.24 394.50 Td (rust) Tj ET Q q 0 0 0 rg BT 237.69 394.50 Td (s ) Tj ET Q q 0 0 0 rg BT 248.50 394.50 Td (growing ) Tj ET Q q 0 0 0 rg BT 295.34 394.50 Td (global ) Tj ET Q q 0 0 0 rg BT 332.18 394.50 Td (custody ) Tj ET Q q 0 0 0 rg BT 378.35 394.50 Td (business. ) Tj ET Q q 0 0 0 rg BT 433.86 394.50 Td (In ) Tj ET Q q 0 0 0 rg BT 448.68 394.50 Td (the ) Tj ET Q q 0 0 0 rg BT 470.18 394.50 Td (normal ) Tj ET Q q 0 0 0 rg BT 511.67 394.50 Td (course ) Tj ET Q q 0 0 0 rg BT 552.50 394.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (business ) Tj ET Q q 0 0 0 rg BT 104.43 380.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 153.98 380.10 Td (T) Tj ET Q q 0 0 0 rg BT 160.86 380.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 183.93 380.10 Td (also ) Tj ET Q q 0 0 0 rg BT 209.01 380.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 258.11 380.10 Td (in ) Tj ET Q q 0 0 0 rg BT 270.52 380.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 310.27 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.35 380.10 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 373.77 380.10 Td (currencies ) Tj ET Q q 0 0 0 rg BT 432.18 380.10 Td (for ) Tj ET Q q 0 0 0 rg BT 449.25 380.10 Td (its ) Tj ET Q q 0 0 0 rg BT 464.31 380.10 Td (own ) Tj ET Q q 0 0 0 rg BT 489.39 380.10 Td (account. ) Tj ET Q q 0 0 0 rg BT 537.82 380.10 Td (Both ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (activities ) Tj ET Q q 0 0 0 rg BT 103.11 365.70 Td (are ) Tj ET Q q 0 0 0 rg BT 123.55 365.70 Td (considered ) Tj ET Q q 0 0 0 rg BT 185.35 365.70 Td (trading ) Tj ET Q q 0 0 0 rg BT 225.14 365.70 Td (activities. ) Tj ET Q q 0 0 0 rg BT 277.38 365.70 Td (The ) Tj ET Q q 0 0 0 rg BT 301.16 365.70 Td (primary ) Tj ET Q q 0 0 0 rg BT 344.25 365.70 Td (market ) Tj ET Q q 0 0 0 rg BT 384.02 365.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 405.78 365.70 Td (associated ) Tj ET Q q 0 0 0 rg BT 466.25 365.70 Td (with ) Tj ET Q q 0 0 0 rg BT 490.68 365.70 Td (global ) Tj ET Q q 0 0 0 rg BT 525.81 365.70 Td (foreign ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 109.38 351.30 Td (trading ) Tj ET Q q 0 0 0 rg BT 149.40 351.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 198.75 351.30 Td (is ) Tj ET Q q 0 0 0 rg BT 210.75 351.30 Td (foreign ) Tj ET Q q 0 0 0 rg BT 250.78 351.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 306.15 351.30 Td (risk.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 96.45 322.50 Td (currency ) Tj ET Q q 0 0 0 rg BT 144.22 322.50 Td (trading ) Tj ET Q q 0 0 0 rg BT 182.67 322.50 Td (positions ) Tj ET Q q 0 0 0 rg BT 231.79 322.50 Td (exist ) Tj ET Q q 0 0 0 rg BT 258.23 322.50 Td (when ) Tj ET Q q 0 0 0 rg BT 288.67 322.50 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 344.48 322.50 Td (obligations ) Tj ET Q q 0 0 0 rg BT 403.62 322.50 Td (to ) Tj ET Q q 0 0 0 rg BT 415.38 322.50 Td (purchase ) Tj ET Q q 0 0 0 rg BT 466.51 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 488.29 322.50 Td (sell ) Tj ET Q q 0 0 0 rg BT 508.05 322.50 Td (a ) Tj ET Q q 0 0 0 rg BT 516.49 322.50 Td (currency ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 308.10 Td (other ) Tj ET Q q 0 0 0 rg BT 85.09 308.10 Td (than ) Tj ET Q q 0 0 0 rg BT 112.18 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.60 308.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 159.68 308.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 192.77 308.10 Td (do ) Tj ET Q q 0 0 0 rg BT 209.85 308.10 Td (not ) Tj ET Q q 0 0 0 rg BT 230.27 308.10 Td (of) Tj ET Q q 0 0 0 rg BT 240.06 308.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 263.14 308.10 Td (each ) Tj ET Q q 0 0 0 rg BT 292.90 308.10 Td (other ) Tj ET Q q 0 0 0 rg BT 323.99 308.10 Td (in ) Tj ET Q q 0 0 0 rg BT 337.07 308.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 384.16 308.10 Td (or ) Tj ET Q q 0 0 0 rg BT 398.57 308.10 Td (of) Tj ET Q q 0 0 0 rg BT 408.36 308.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 431.44 308.10 Td (each ) Tj ET Q q 0 0 0 rg BT 461.20 308.10 Td (other ) Tj ET Q q 0 0 0 rg BT 492.29 308.10 Td (over ) Tj ET Q q 0 0 0 rg BT 519.37 308.10 Td (dif) Tj ET Q q 0 0 0 rg BT 531.83 308.10 Td (ferent ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (time ) Tj ET Q q 0 0 0 rg BT 80.00 293.70 Td (periods. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 98.02 264.90 Td (Currency ) Tj ET Q q 0 0 0 rg BT 150.04 264.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 176.70 264.90 Td (Measurement) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 236.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.75 236.10 Td (T) Tj ET Q q 0 0 0 rg BT 109.63 236.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 131.84 236.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 186.74 236.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 213.62 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.51 236.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 253.38 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.59 236.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 289.14 236.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 348.71 236.10 Td (with ) Tj ET Q q 0 0 0 rg BT 372.26 236.10 Td (all ) Tj ET Q q 0 0 0 rg BT 386.47 236.10 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 436.03 236.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 484.25 236.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 533.82 236.10 Td (using ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 221.70 Td (a ) Tj ET Q q 0 0 0 rg BT 64.25 221.70 Td (V) Tj ET Q q 0 0 0 rg BT 71.37 221.70 Td (aR ) Tj ET Q q 0 0 0 rg BT 90.28 221.70 Td (model ) Tj ET Q q 0 0 0 rg BT 126.54 221.70 Td (and ) Tj ET Q q 0 0 0 rg BT 150.14 221.70 Td (applying ) Tj ET Q q 0 0 0 rg BT 198.42 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 218.68 221.70 Td (historical ) Tj ET Q q 0 0 0 rg BT 269.61 221.70 Td (simulation ) Tj ET Q q 0 0 0 rg BT 327.21 221.70 Td (methodology) Tj ET Q q 0 0 0 rg BT 395.04 221.70 Td (. ) Tj ET Q q 0 0 0 rg BT 401.71 221.70 Td (This ) Tj ET Q q 0 0 0 rg BT 427.96 221.70 Td (statistical ) Tj ET Q q 0 0 0 rg BT 480.89 221.70 Td (model ) Tj ET Q q 0 0 0 rg BT 517.15 221.70 Td (provides ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 207.30 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 112.45 207.30 Td (based ) Tj ET Q q 0 0 0 rg BT 148.91 207.30 Td (on ) Tj ET Q q 0 0 0 rg BT 166.02 207.30 Td (a ) Tj ET Q q 0 0 0 rg BT 176.46 207.30 Td (variety ) Tj ET Q q 0 0 0 rg BT 215.56 207.30 Td (of ) Tj ET Q q 0 0 0 rg BT 229.34 207.30 Td (high ) Tj ET Q q 0 0 0 rg BT 255.79 207.30 Td (confidence ) Tj ET Q q 0 0 0 rg BT 317.59 207.30 Td (levels, ) Tj ET Q q 0 0 0 rg BT 355.37 207.30 Td (of ) Tj ET Q q 0 0 0 rg BT 369.14 207.30 Td (the ) Tj ET Q q 0 0 0 rg BT 389.59 207.30 Td (potential ) Tj ET Q q 0 0 0 rg BT 438.72 207.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 463.82 207.30 Td (in ) Tj ET Q q 0 0 0 rg BT 476.93 207.30 Td (value ) Tj ET Q q 0 0 0 rg BT 509.38 207.30 Td (that ) Tj ET Q q 0 0 0 rg BT 533.16 207.30 Td (might ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 192.90 Td (be ) Tj ET Q q 0 0 0 rg BT 71.28 192.90 Td (incurred ) Tj ET Q q 0 0 0 rg BT 118.57 192.90 Td (if ) Tj ET Q q 0 0 0 rg BT 128.50 192.90 Td (an ) Tj ET Q q 0 0 0 rg BT 145.79 192.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 192.41 192.90 Td (shift ) Tj ET Q q 0 0 0 rg BT 218.36 192.90 Td (in ) Tj ET Q q 0 0 0 rg BT 231.63 192.90 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 282.92 192.90 Td (currency ) Tj ET Q q 0 0 0 rg BT 332.87 192.90 Td (exchange ) Tj ET Q q 0 0 0 rg BT 388.85 192.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 419.46 192.90 Td (were ) Tj ET Q q 0 0 0 rg BT 449.40 192.90 Td (to ) Tj ET Q q 0 0 0 rg BT 463.34 192.90 Td (occur ) Tj ET Q q 0 0 0 rg BT 496.62 192.90 Td (over ) Tj ET Q q 0 0 0 rg BT 523.90 192.90 Td (a ) Tj ET Q q 0 0 0 rg BT 534.51 192.90 Td (small ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 178.50 Td (number ) Tj ET Q q 0 0 0 rg BT 100.97 178.50 Td (of ) Tj ET Q q 0 0 0 rg BT 117.25 178.50 Td (days. ) Tj ET Q q 0 0 0 rg BT 151.80 178.50 Td (The ) Tj ET Q q 0 0 0 rg BT 178.76 178.50 Td (model ) Tj ET Q q 0 0 0 rg BT 217.72 178.50 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 290.04 178.50 Td (foreign ) Tj ET Q q 0 0 0 rg BT 333.00 178.50 Td (currency ) Tj ET Q q 0 0 0 rg BT 385.30 178.50 Td (and ) Tj ET Q q 0 0 0 rg BT 411.60 178.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 457.23 178.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 484.18 178.50 Td (volatilities ) Tj ET Q q 0 0 0 rg BT 542.48 178.50 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 164.10 Td (correlations ) Tj ET Q q 0 0 0 rg BT 119.96 164.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.24 164.10 Td (price ) Tj ET Q q 0 0 0 rg BT 163.19 164.10 Td (movements ) Tj ET Q q 0 0 0 rg BT 229.14 164.10 Td (among ) Tj ET Q q 0 0 0 rg BT 269.77 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.39 164.10 Td (currencies. ) Tj ET Q q 0 0 0 rg BT 353.01 164.10 Td (V) Tj ET Q q 0 0 0 rg BT 360.13 164.10 Td (aR ) Tj ET Q q 0 0 0 rg BT 379.40 164.10 Td (is ) Tj ET Q q 0 0 0 rg BT 392.01 164.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 448.64 164.10 Td (for ) Tj ET Q q 0 0 0 rg BT 466.58 164.10 Td (each ) Tj ET Q q 0 0 0 rg BT 496.54 164.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 537.17 164.10 Td (desk ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 149.70 Td (and ) Tj ET Q q 0 0 0 rg BT 77.36 149.70 Td (for ) Tj ET Q q 0 0 0 rg BT 94.69 149.70 Td (the ) Tj ET Q q 0 0 0 rg BT 114.71 149.70 Td (global ) Tj ET Q q 0 0 0 rg BT 150.07 149.70 Td (portfolio.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 120.90 Td (V) Tj ET Q q 0 0 0 rg BT 61.11 120.90 Td (aR ) Tj ET Q q 0 0 0 rg BT 81.10 120.90 Td (measures ) Tj ET Q q 0 0 0 rg BT 138.44 120.90 Td (are ) Tj ET Q q 0 0 0 rg BT 160.43 120.90 Td (computed ) Tj ET Q q 0 0 0 rg BT 217.78 120.90 Td (in ) Tj ET Q q 0 0 0 rg BT 231.76 120.90 Td (a ) Tj ET Q q 0 0 0 rg BT 243.08 120.90 Td (vended ) Tj ET Q q 0 0 0 rg BT 287.10 120.90 Td (software ) Tj ET Q q 0 0 0 rg BT 337.10 120.90 Td (application ) Tj ET Q q 0 0 0 rg BT 399.12 120.90 Td (which ) Tj ET Q q 0 0 0 rg BT 434.45 120.90 Td (reads ) Tj ET Q q 0 0 0 rg BT 469.12 120.90 Td (foreign ) Tj ET Q q 0 0 0 rg BT 510.46 120.90 Td (exchange ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 106.50 Td (positions ) Tj ET Q q 0 0 0 rg BT 103.92 106.50 Td (from ) Tj ET Q q 0 0 0 rg BT 130.47 106.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 179.55 106.50 Td (T) Tj ET Q q 0 0 0 rg BT 186.43 106.50 Td (rust) Tj ET Q q 0 0 0 rg BT 208.88 106.50 Td (s ) Tj ET Q q 0 0 0 rg BT 217.44 106.50 Td (trading ) Tj ET Q q 0 0 0 rg BT 256.68 106.50 Td (systems ) Tj ET Q q 0 0 0 rg BT 303.24 106.50 Td (each ) Tj ET Q q 0 0 0 rg BT 331.82 106.50 Td (day) Tj ET Q q 0 0 0 rg BT 350.27 106.50 Td (. ) Tj ET Q q 0 0 0 rg BT 356.16 106.50 Td (Data ) Tj ET Q q 0 0 0 rg BT 384.06 106.50 Td (vendors ) Tj ET Q q 0 0 0 rg BT 429.31 106.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 471.22 106.50 Td (foreign ) Tj ET Q q 0 0 0 rg BT 510.47 106.50 Td (exchange ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 92.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 83.11 92.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.56 92.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 147.34 92.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 176.44 92.10 Td (for ) Tj ET Q q 0 0 0 rg BT 192.88 92.10 Td (all ) Tj ET Q q 0 0 0 rg BT 207.31 92.10 Td (currencies. ) Tj ET Q q 0 0 0 rg BT 268.27 92.10 Td (The ) Tj ET Q q 0 0 0 rg BT 291.38 92.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 317.14 92.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 389.61 92.10 Td (function ) Tj ET Q q 0 0 0 rg BT 434.07 92.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 482.51 92.10 Td (on ) Tj ET Q q 0 0 0 rg BT 498.28 92.10 Td (a ) Tj ET Q q 0 0 0 rg BT 507.39 92.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 534.50 92.10 Td (basis ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 77.70 Td (V) Tj ET Q q 0 0 0 rg BT 61.11 77.70 Td (aR ) Tj ET Q q 0 0 0 rg BT 79.79 77.70 Td (model ) Tj ET Q q 0 0 0 rg BT 115.80 77.70 Td (inputs ) Tj ET Q q 0 0 0 rg BT 151.16 77.70 Td (and ) Tj ET Q q 0 0 0 rg BT 174.52 77.70 Td (outputs ) Tj ET Q q 0 0 0 rg BT 217.21 77.70 Td (for ) Tj ET Q q 0 0 0 rg BT 234.55 77.70 Td (reasonableness. ) Tj ET Q endstream endobj 77 0 obj <> endobj 78 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (35 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F4 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 98.02 711.30 Td (Currency ) Tj ET Q q 0 0 0 rg BT 150.04 711.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 176.70 711.30 Td (Monitoring, ) Tj ET Q q 0 0 0 rg BT 239.40 711.30 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 294.76 711.30 Td (and ) Tj ET Q q 0 0 0 rg BT 317.67 711.30 Td (Analysis) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.97 682.50 Td (T) Tj ET Q q 0 0 0 rg BT 109.86 682.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 132.30 682.50 Td (monitors ) Tj ET Q q 0 0 0 rg BT 180.76 682.50 Td (several ) Tj ET Q q 0 0 0 rg BT 221.89 682.50 Td (variations ) Tj ET Q q 0 0 0 rg BT 275.69 682.50 Td (of ) Tj ET Q q 0 0 0 rg BT 288.14 682.50 Td (the ) Tj ET Q q 0 0 0 rg BT 307.27 682.50 Td (foreign ) Tj ET Q q 0 0 0 rg BT 346.40 682.50 Td (exchange ) Tj ET Q q 0 0 0 rg BT 400.89 682.50 Td (V) Tj ET Q q 0 0 0 rg BT 408.00 682.50 Td (aR ) Tj ET Q q 0 0 0 rg BT 425.78 682.50 Td (measures ) Tj ET Q q 0 0 0 rg BT 480.91 682.50 Td (to ) Tj ET Q q 0 0 0 rg BT 493.36 682.50 Td (meet ) Tj ET Q q 0 0 0 rg BT 522.49 682.50 Td (specific ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 109.95 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.57 668.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 174.52 668.10 Td (management ) Tj ET Q q 0 0 0 rg BT 247.15 668.10 Td (needs. ) Tj ET Q q 0 0 0 rg BT 285.77 668.10 Td (V) Tj ET Q q 0 0 0 rg BT 292.88 668.10 Td (ariations ) Tj ET Q q 0 0 0 rg BT 340.83 668.10 Td (include ) Tj ET Q q 0 0 0 rg BT 381.45 668.10 Td (dif) Tj ET Q q 0 0 0 rg BT 393.91 668.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 427.19 668.10 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 507.83 668.10 Td (\(historical, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (variance-covariance ) Tj ET Q q 0 0 0 rg BT 164.96 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 188.57 653.70 Td (Monte ) Tj ET Q q 0 0 0 rg BT 225.50 653.70 Td (Carlo\), ) Tj ET Q q 0 0 0 rg BT 265.08 653.70 Td (equally ) Tj ET Q q 0 0 0 rg BT 306.69 653.70 Td (weighted ) Tj ET Q q 0 0 0 rg BT 358.30 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 381.90 653.70 Td (exponentially ) Tj ET Q q 0 0 0 rg BT 455.53 653.70 Td (weighted ) Tj ET Q q 0 0 0 rg BT 507.15 653.70 Td (volatilities, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (horizons ) Tj ET Q q 0 0 0 rg BT 102.70 639.30 Td (of ) Tj ET Q q 0 0 0 rg BT 116.06 639.30 Td (one ) Tj ET Q q 0 0 0 rg BT 139.42 639.30 Td (day ) Tj ET Q q 0 0 0 rg BT 162.12 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 185.48 639.30 Td (ten ) Tj ET Q q 0 0 0 rg BT 205.51 639.30 Td (days, ) Tj ET Q q 0 0 0 rg BT 237.54 639.30 Td (confidence ) Tj ET Q q 0 0 0 rg BT 298.92 639.30 Td (levels ) Tj ET Q q 0 0 0 rg BT 332.95 639.30 Td (ranging ) Tj ET Q q 0 0 0 rg BT 376.33 639.30 Td (from ) Tj ET Q q 0 0 0 rg BT 403.67 639.30 Td (95% ) Tj ET Q q 0 0 0 rg BT 431.03 639.30 Td (to ) Tj ET Q q 0 0 0 rg BT 444.39 639.30 Td (99.95% ) Tj ET Q q 0 0 0 rg BT 488.43 639.30 Td (and ) Tj ET Q q 0 0 0 rg BT 511.80 639.30 Td (look ) Tj ET Q q 0 0 0 rg BT 537.16 639.30 Td (back ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (periods ) Tj ET Q q 0 0 0 rg BT 96.29 624.90 Td (of ) Tj ET Q q 0 0 0 rg BT 109.24 624.90 Td (one ) Tj ET Q q 0 0 0 rg BT 132.19 624.90 Td (year ) Tj ET Q q 0 0 0 rg BT 158.47 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 181.43 624.90 Td (four ) Tj ET Q q 0 0 0 rg BT 205.04 624.90 Td (years. ) Tj ET Q q 0 0 0 rg BT 240.46 624.90 Td (Those ) Tj ET Q q 0 0 0 rg BT 276.75 624.90 Td (alternative ) Tj ET Q q 0 0 0 rg BT 335.05 624.90 Td (measures ) Tj ET Q q 0 0 0 rg BT 390.67 624.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 432.96 624.90 Td (management ) Tj ET Q q 0 0 0 rg BT 505.94 624.90 Td (an ) Tj ET Q q 0 0 0 rg BT 522.22 624.90 Td (array ) Tj ET Q q 0 0 0 rg BT 552.50 624.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (corroborating ) Tj ET Q q 0 0 0 rg BT 128.04 610.50 Td (metrics ) Tj ET Q q 0 0 0 rg BT 170.04 610.50 Td (and ) Tj ET Q q 0 0 0 rg BT 193.39 610.50 Td (alternative ) Tj ET Q q 0 0 0 rg BT 252.09 610.50 Td (perspectives ) Tj ET Q q 0 0 0 rg BT 322.79 610.50 Td (on ) Tj ET Q q 0 0 0 rg BT 339.47 610.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 389.28 610.50 Td (T) Tj ET Q q 0 0 0 rg BT 396.16 610.50 Td (rust) Tj ET Q q 0 0 0 rg BT 418.62 610.50 Td (s ) Tj ET Q q 0 0 0 rg BT 427.95 610.50 Td (market ) Tj ET Q q 0 0 0 rg BT 467.96 610.50 Td (risks.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 581.70 Td (Automated ) Tj ET Q q 0 0 0 rg BT 115.33 581.70 Td (daily ) Tj ET Q q 0 0 0 rg BT 143.31 581.70 Td (reports ) Tj ET Q q 0 0 0 rg BT 183.95 581.70 Td (are ) Tj ET Q q 0 0 0 rg BT 204.59 581.70 Td (produced ) Tj ET Q q 0 0 0 rg BT 257.93 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 281.25 581.70 Td (distributed ) Tj ET Q q 0 0 0 rg BT 339.91 581.70 Td (to ) Tj ET Q q 0 0 0 rg BT 353.21 581.70 Td (business ) Tj ET Q q 0 0 0 rg BT 403.87 581.70 Td (managers ) Tj ET Q q 0 0 0 rg BT 460.53 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 483.85 581.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 505.80 581.70 Td (managers. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (The ) Tj ET Q q 0 0 0 rg BT 77.79 567.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 104.24 567.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 177.40 567.30 Td (function ) Tj ET Q q 0 0 0 rg BT 222.54 567.30 Td (also ) Tj ET Q q 0 0 0 rg BT 247.67 567.30 Td (reviews ) Tj ET Q q 0 0 0 rg BT 291.46 567.30 Td (and ) Tj ET Q q 0 0 0 rg BT 314.59 567.30 Td (reports ) Tj ET Q q 0 0 0 rg BT 355.05 567.30 Td (several ) Tj ET Q q 0 0 0 rg BT 396.85 567.30 Td (variations ) Tj ET Q q 0 0 0 rg BT 451.32 567.30 Td (of ) Tj ET Q q 0 0 0 rg BT 464.45 567.30 Td (the ) Tj ET Q q 0 0 0 rg BT 484.24 567.30 Td (V) Tj ET Q q 0 0 0 rg BT 491.36 567.30 Td (aR ) Tj ET Q q 0 0 0 rg BT 509.81 567.30 Td (measures ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 552.90 Td (in ) Tj ET Q q 0 0 0 rg BT 66.67 552.90 Td (historical ) Tj ET Q q 0 0 0 rg BT 117.36 552.90 Td (time ) Tj ET Q q 0 0 0 rg BT 143.36 552.90 Td (series ) Tj ET Q q 0 0 0 rg BT 178.71 552.90 Td (format ) Tj ET Q q 0 0 0 rg BT 216.05 552.90 Td (to ) Tj ET Q q 0 0 0 rg BT 229.39 552.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 272.08 552.90 Td (management ) Tj ET Q q 0 0 0 rg BT 345.46 552.90 Td (with ) Tj ET Q q 0 0 0 rg BT 370.13 552.90 Td (a ) Tj ET Q q 0 0 0 rg BT 380.14 552.90 Td (historical ) Tj ET Q q 0 0 0 rg BT 430.82 552.90 Td (perspective ) Tj ET Q q 0 0 0 rg BT 495.52 552.90 Td (on ) Tj ET Q q 0 0 0 rg BT 512.20 552.90 Td (risk.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (The ) Tj ET Q q 0 0 0 rg BT 79.38 524.10 Td (table ) Tj ET Q q 0 0 0 rg BT 110.10 524.10 Td (below ) Tj ET Q q 0 0 0 rg BT 146.15 524.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 196.88 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.26 524.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 253.64 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.35 524.10 Td (total ) Tj ET Q q 0 0 0 rg BT 295.73 524.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 353.79 524.10 Td (V) Tj ET Q q 0 0 0 rg BT 360.90 524.10 Td (aR ) Tj ET Q q 0 0 0 rg BT 380.94 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.66 524.10 Td (its ) Tj ET Q q 0 0 0 rg BT 422.36 524.10 Td (subcomponents ) Tj ET Q q 0 0 0 rg BT 511.78 524.10 Td (for ) Tj ET Q q 0 0 0 rg BT 530.49 524.10 Td (global ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (foreign ) Tj ET Q q 0 0 0 rg BT 93.02 509.70 Td (currency ) Tj ET Q q 0 0 0 rg BT 141.35 509.70 Td (as ) Tj ET Q q 0 0 0 rg BT 156.35 509.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 168.69 509.70 Td (March31, ) Tj ET Q q 0 0 0 rg BT 224.37 509.70 Td (2018) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 251.06 509.70 Td (, ) Tj ET Q q 0 0 0 rg BT 256.72 509.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 279.07 509.70 Td (December31, ) Tj ET Q q 0 0 0 rg BT 356.76 509.70 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 383.46 509.70 Td (, ) Tj ET Q q 0 0 0 rg BT 389.11 509.70 Td (based ) Tj ET Q q 0 0 0 rg BT 424.13 509.70 Td (on ) Tj ET Q q 0 0 0 rg BT 439.81 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 458.81 509.70 Td (historical ) Tj ET Q q 0 0 0 rg BT 508.49 509.70 Td (simulation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 495.30 Td (methodology) Tj ET Q q 0 0 0 rg BT 121.82 495.30 Td (, ) Tj ET Q q 0 0 0 rg BT 127.89 495.30 Td (a ) Tj ET Q q 0 0 0 rg BT 137.30 495.30 Td (99% ) Tj ET Q q 0 0 0 rg BT 164.05 495.30 Td (confidence ) Tj ET Q q 0 0 0 rg BT 224.83 495.30 Td (level, ) Tj ET Q q 0 0 0 rg BT 255.58 495.30 Td (a ) Tj ET Q q 0 0 0 rg BT 264.99 495.30 Td (one-day ) Tj ET Q q 0 0 0 rg BT 311.09 495.30 Td (horizon ) Tj ET Q q 0 0 0 rg BT 353.18 495.30 Td (and ) Tj ET Q q 0 0 0 rg BT 375.94 495.30 Td (equally-weighted ) Tj ET Q q 0 0 0 rg BT 468.73 495.30 Td (volatility) Tj ET Q q 0 0 0 rg BT 510.52 495.30 Td (. ) Tj ET Q q 0 0 0 rg BT 516.41 495.30 Td (The ) Tj ET Q q 0 0 0 rg BT 539.82 495.30 Td (total ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 480.90 Td (V) Tj ET Q q 0 0 0 rg BT 61.11 480.90 Td (aR ) Tj ET Q q 0 0 0 rg BT 79.28 480.90 Td (for ) Tj ET Q q 0 0 0 rg BT 96.10 480.90 Td (foreign ) Tj ET Q q 0 0 0 rg BT 135.62 480.90 Td (currency ) Tj ET Q q 0 0 0 rg BT 184.45 480.90 Td (is ) Tj ET Q q 0 0 0 rg BT 195.94 480.90 Td (typically ) Tj ET Q q 0 0 0 rg BT 241.44 480.90 Td (less ) Tj ET Q q 0 0 0 rg BT 265.61 480.90 Td (than ) Tj ET Q q 0 0 0 rg BT 291.79 480.90 Td (the ) Tj ET Q q 0 0 0 rg BT 311.29 480.90 Td (sum ) Tj ET Q q 0 0 0 rg BT 336.78 480.90 Td (of ) Tj ET Q q 0 0 0 rg BT 349.61 480.90 Td (its ) Tj ET Q q 0 0 0 rg BT 364.44 480.90 Td (two ) Tj ET Q q 0 0 0 rg BT 385.93 480.90 Td (components ) Tj ET Q q 0 0 0 rg BT 454.13 480.90 Td (due ) Tj ET Q q 0 0 0 rg BT 476.97 480.90 Td (to ) Tj ET Q q 0 0 0 rg BT 489.80 480.90 Td (diversification ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 466.50 Td (benefits ) Tj ET Q q 0 0 0 rg BT 99.36 466.50 Td (derived ) Tj ET Q q 0 0 0 rg BT 142.05 466.50 Td (from ) Tj ET Q q 0 0 0 rg BT 169.39 466.50 Td (the ) Tj ET Q q 0 0 0 rg BT 189.40 466.50 Td (two ) Tj ET Q q 0 0 0 rg BT 211.41 466.50 Td (subcomponents.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 437.70 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 437.70 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 437.70 Td (20: ) Tj ET Q q 0 0 0 rg BT 108.46 437.70 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 155.79 437.70 Td (Currency ) Tj ET Q q 0 0 0 rg BT 211.82 437.70 Td (V) Tj ET Q q 0 0 0 rg BT 219.16 437.70 Td (alue-at-Risk) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 427.20 89.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 142.25 427.20 140.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 282.25 427.20 142.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 424.25 427.20 138.00 -25.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 402.20 89.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 142.25 402.20 70.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 212.25 402.20 70.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 282.25 402.20 72.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 354.25 402.20 70.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 424.25 402.20 69.00 -24.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 493.25 402.20 69.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 427.2 m 53.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 427.2 m 142.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 402.2 m 142.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142.25 427.2 m 171.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142.25 402.2 m 171.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.25 427.2 m 212.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.25 402.2 m 212.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 427.2 m 241.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 402.2 m 241.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.25 427.2 m 282.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.25 402.2 m 282.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.25 427.2 m 313.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.25 402.2 m 313.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.25 427.2 m 354.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.25 402.2 m 354.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 427.2 m 383.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 402.2 m 383.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.25 427.2 m 424.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.25 402.2 m 424.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.25 427.2 m 452.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.25 402.2 m 452.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 427.2 m 493.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 402.2 m 493.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.25 427.2 m 521.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.25 402.2 m 521.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 427.2 m 562.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 427.2 m 562.25 427.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 402.2 m 562.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 402.2 m 53.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 402.2 m 142.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 378.2 m 142.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142.25 402.2 m 171.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142.25 378.2 m 171.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.25 402.2 m 212.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.25 378.2 m 212.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 402.2 m 241.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 378.2 m 241.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.25 402.2 m 282.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.25 378.2 m 282.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.25 402.2 m 313.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.25 378.2 m 313.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.25 402.2 m 354.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.25 378.2 m 354.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 402.2 m 383.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 378.2 m 383.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.25 402.2 m 424.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.25 378.2 m 424.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.25 402.2 m 452.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.25 378.2 m 452.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 402.2 m 493.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 378.2 m 493.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.25 402.2 m 521.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.25 378.2 m 521.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 402.2 m 562.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 402.2 m 562.25 402.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 378.2 m 562.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 378.2 m 53.25 363.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142.25 378.2 m 171.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.25 378.2 m 212.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 378.2 m 241.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.25 378.2 m 282.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.25 378.2 m 313.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.25 378.2 m 354.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 378.2 m 383.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.25 378.2 m 424.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.25 378.2 m 452.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 378.2 m 493.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.25 378.2 m 521.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 378.2 m 562.25 363.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 378.2 m 562.25 378.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 363.2 m 53.25 348.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 363.2 m 562.25 348.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 348.2 m 53.25 333.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 348.2 m 562.25 333.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 333.2 m 53.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 318.2 m 142.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142.25 318.2 m 171.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.25 318.2 m 212.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 318.2 m 241.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.25 318.2 m 282.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.25 318.2 m 313.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.25 318.2 m 354.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 318.2 m 383.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.25 318.2 m 424.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.25 318.2 m 452.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 318.2 m 493.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.25 318.2 m 521.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 333.2 m 562.25 318.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 318.2 m 562.25 318.2 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 55.75 406.82 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 190.40 416.82 Td (T) Tj ET Q q 0 0 0 rg BT 195.40 416.82 Td (otal V) Tj ET Q q 0 0 0 rg BT 220.23 416.82 Td (aR ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.65 406.82 Td (\(Spot and Forward\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.15 416.82 Td (Foreign Exchange ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 331.70 406.82 Td (Spot V) Tj ET Q q 0 0 0 rg BT 360.98 406.82 Td (aR) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.15 416.82 Td (Foreign Exchange ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 406.82 Td (Forward V) Tj ET Q q 0 0 0 rg BT 509.03 406.82 Td (aR) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 154.50 392.42 Td (March 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 165.60 382.42 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 215.30 392.42 Td (December 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.60 382.42 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.50 392.42 Td (March 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.60 382.42 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.30 392.42 Td (December 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.60 382.42 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.00 392.42 Td (March 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.10 382.42 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.80 392.42 Td (December 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.10 382.42 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 367.82 Td (High) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 173.75 367.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.45 367.82 Td (0.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.75 367.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.45 367.82 Td (1.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.75 367.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.45 367.82 Td (0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.75 367.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.45 367.82 Td (0.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.75 367.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.45 367.82 Td (0.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.75 367.82 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 367.82 Td (1.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 352.82 Td (Low) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.45 352.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.45 352.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.35 352.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.35 352.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.45 352.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 352.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 337.82 Td (A) Tj ET Q q 0 0 0 rg BT 62.33 337.82 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.45 337.82 Td (0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.45 337.82 Td (0.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.45 337.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.45 337.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.45 337.82 Td (0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 337.82 Td (0.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 322.82 Td (Quarter End) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.45 322.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.45 322.82 Td (0.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.35 322.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.35 322.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.45 322.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 322.82 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 290.5890625 m 182.5078125 290.5890625 l s q 0 0 0 rg BT 54.00 292.30 Td (Stressed ) Tj ET Q q 0 0 0 rg BT 104.69 292.30 Td (V) Tj ET Q q 0 0 0 rg BT 111.80 292.30 Td (aR ) Tj ET Q q 0 0 0 rg BT 130.48 292.30 Td (Reporting) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 263.50 Td (The ) Tj ET Q q 0 0 0 rg BT 77.45 263.50 Td (table ) Tj ET Q q 0 0 0 rg BT 106.25 263.50 Td (below ) Tj ET Q q 0 0 0 rg BT 140.37 263.50 Td (presents ) Tj ET Q q 0 0 0 rg BT 189.17 263.50 Td (levels ) Tj ET Q q 0 0 0 rg BT 222.63 263.50 Td (of ) Tj ET Q q 0 0 0 rg BT 235.41 263.50 Td (Stressed ) Tj ET Q q 0 0 0 rg BT 285.54 263.50 Td (V) Tj ET Q q 0 0 0 rg BT 292.65 263.50 Td (alue-at-Risk ) Tj ET Q q 0 0 0 rg BT 359.45 263.50 Td (\(SV) Tj ET Q q 0 0 0 rg BT 382.55 263.50 Td (aR\) ) Tj ET Q q 0 0 0 rg BT 408.66 263.50 Td (for ) Tj ET Q q 0 0 0 rg BT 425.44 263.50 Td (foreign ) Tj ET Q q 0 0 0 rg BT 464.90 263.50 Td (currency ) Tj ET Q q 0 0 0 rg BT 513.69 263.50 Td (based ) Tj ET Q q 0 0 0 rg BT 549.16 263.50 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 249.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.37 249.10 Td (same ) Tj ET Q q 0 0 0 rg BT 109.40 249.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 181.45 249.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.15 249.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 242.86 249.10 Td (as ) Tj ET Q q 0 0 0 rg BT 260.22 249.10 Td (above ) Tj ET Q q 0 0 0 rg BT 297.60 249.10 Td (but ) Tj ET Q q 0 0 0 rg BT 318.96 249.10 Td (replaying ) Tj ET Q q 0 0 0 rg BT 372.35 249.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.71 249.10 Td (severe ) Tj ET Q q 0 0 0 rg BT 434.42 249.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 486.46 249.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 535.18 249.10 Td (crisis ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 234.70 Td (period ) Tj ET Q q 0 0 0 rg BT 90.69 234.70 Td (of ) Tj ET Q q 0 0 0 rg BT 103.37 234.70 Td (August ) Tj ET Q q 0 0 0 rg BT 144.06 234.70 Td (2008 ) Tj ET Q q 0 0 0 rg BT 174.09 234.70 Td (to ) Tj ET Q q 0 0 0 rg BT 186.77 234.70 Td (August ) Tj ET Q q 0 0 0 rg BT 227.47 234.70 Td (2009.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 205.90 Td (T) Tj ET Q q 0 0 0 rg BT 60.44 205.90 Td (able ) Tj ET Q q 0 0 0 rg BT 87.79 205.90 Td (21: ) Tj ET Q q 0 0 0 rg BT 108.46 205.90 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 155.79 205.90 Td (Currency ) Tj ET Q q 0 0 0 rg BT 211.82 205.90 Td (Stressed ) Tj ET Q q 0 0 0 rg BT 265.85 205.90 Td (V) Tj ET Q q 0 0 0 rg BT 273.19 205.90 Td (alue-at-Risk) Tj ET Q 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 195.40 148.00 -23.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 201.25 195.40 139.00 -23.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 340.25 195.40 222.00 -23.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 53.25 172.40 148.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 201.25 172.40 139.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 340.25 172.40 100.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 440.25 172.40 22.00 -15.00 re f /GS0 gs 0.7529411764705882 0.7529411764705882 0.7529411764705882 rg /GS0 gs 462.25 172.40 100.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 195.39999999999998 m 53.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 195.39999999999998 m 201.25 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.25 195.39999999999998 m 340.25 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 195.39999999999998 m 440.25 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.25 195.39999999999998 m 462.25 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 195.39999999999998 m 562.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 195.39999999999998 m 562.25 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 172.39999999999998 m 53.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 172.39999999999998 m 201.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 157.39999999999998 m 201.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.25 172.39999999999998 m 340.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.25 157.39999999999998 m 340.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 172.39999999999998 m 440.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 157.39999999999998 m 440.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.25 172.39999999999998 m 462.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.25 157.39999999999998 m 462.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 172.39999999999998 m 562.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 172.39999999999998 m 562.25 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 157.39999999999998 m 562.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 157.39999999999998 m 53.25 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 157.39999999999998 m 440.25 157.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 157.39999999999998 m 562.25 142.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 142.39999999999998 m 53.25 127.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 142.39999999999998 m 562.25 127.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 127.39999999999998 m 53.25 112.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 127.39999999999998 m 562.25 112.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 112.39999999999998 m 53.25 97.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 97.39999999999998 m 201.25 97.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.25 97.39999999999998 m 340.25 97.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 97.39999999999998 m 440.25 97.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.25 97.39999999999998 m 462.25 97.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.25 112.39999999999998 m 562.25 97.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 97.39999999999998 m 562.25 97.39999999999998 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 55.75 177.02 Td (\($ In Millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.25 185.62 Td (Stressed V) Tj ET Q q 0 0 0 rg BT 468.42 185.62 Td (aR) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.80 175.62 Td (99% 1-day) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.25 162.02 Td (March 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.90 162.02 Td (December 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 147.02 Td (High) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.75 147.02 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.45 147.02 Td (1.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.75 147.02 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 147.02 Td (1.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 132.02 Td (Low) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.45 132.02 Td (0.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 132.02 Td (0.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 117.02 Td (A) Tj ET Q q 0 0 0 rg BT 62.33 117.02 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.45 117.02 Td (1.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 117.02 Td (1.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 102.02 Td (Quarter End) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.45 102.02 Td (0.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.45 102.02 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 69.10 Td (During ) Tj ET Q q 0 0 0 rg BT 93.50 69.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.34 69.10 Td (most ) Tj ET Q q 0 0 0 rg BT 144.49 69.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 182.00 69.10 Td (period ) Tj ET Q q 0 0 0 rg BT 219.51 69.10 Td (presented, ) Tj ET Q q 0 0 0 rg BT 280.37 69.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 330.94 69.10 Td (T) Tj ET Q q 0 0 0 rg BT 337.82 69.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 361.98 69.10 Td (did ) Tj ET Q q 0 0 0 rg BT 382.15 69.10 Td (not ) Tj ET Q q 0 0 0 rg BT 402.98 69.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 433.14 69.10 Td (an ) Tj ET Q q 0 0 0 rg BT 450.64 69.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 486.82 69.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 527.66 69.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 553.16 69.10 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 54.70 Td (excess ) Tj ET Q q 0 0 0 rg BT 94.68 54.70 Td (of ) Tj ET Q q 0 0 0 rg BT 108.02 54.70 Td (the ) Tj ET Q q 0 0 0 rg BT 128.04 54.70 Td (daily ) Tj ET Q q 0 0 0 rg BT 156.05 54.70 Td (V) Tj ET Q q 0 0 0 rg BT 163.17 54.70 Td (aR ) Tj ET Q q 0 0 0 rg BT 181.84 54.70 Td (estimate. ) Tj ET Q q 0 0 0 rg BT 233.86 54.70 Td ( ) Tj ET Q endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (36 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 709.5890625 m 155.830078125 709.5890625 l s q 0 0 0 rg BT 54.00 711.30 Td (V) Tj ET Q q 0 0 0 rg BT 61.11 711.30 Td (aluation ) Tj ET Q q 0 0 0 rg BT 106.48 711.30 Td (Practices) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 104.24 682.50 Td (T) Tj ET Q q 0 0 0 rg BT 111.12 682.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 134.92 682.50 Td (updates ) Tj ET Q q 0 0 0 rg BT 181.43 682.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 224.58 682.50 Td (rates ) Tj ET Q q 0 0 0 rg BT 255.05 682.50 Td (and ) Tj ET Q q 0 0 0 rg BT 278.87 682.50 Td (foreign ) Tj ET Q q 0 0 0 rg BT 319.36 682.50 Td (exchange ) Tj ET Q q 0 0 0 rg BT 375.20 682.50 Td (rates ) Tj ET Q q 0 0 0 rg BT 405.68 682.50 Td (daily ) Tj ET Q q 0 0 0 rg BT 434.15 682.50 Td (through ) Tj ET Q q 0 0 0 rg BT 478.65 682.50 Td (automated ) Tj ET Q q 0 0 0 rg BT 539.16 682.50 Td (data ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (feeds ) Tj ET Q q 0 0 0 rg BT 86.37 668.10 Td (from ) Tj ET Q q 0 0 0 rg BT 113.39 668.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 182.47 668.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 224.85 668.10 Td (source ) Tj ET Q q 0 0 0 rg BT 263.89 668.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 310.91 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.95 668.10 Td (established ) Tj ET Q q 0 0 0 rg BT 397.67 668.10 Td (data ) Tj ET Q q 0 0 0 rg BT 424.05 668.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 473.09 668.10 Td (Rates ) Tj ET Q q 0 0 0 rg BT 507.46 668.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.50 668.10 Td (prices ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 653.70 Td (are ) Tj ET Q q 0 0 0 rg BT 74.44 653.70 Td (fed ) Tj ET Q q 0 0 0 rg BT 94.21 653.70 Td (into ) Tj ET Q q 0 0 0 rg BT 116.65 653.70 Td (pricing ) Tj ET Q q 0 0 0 rg BT 155.10 653.70 Td (models ) Tj ET Q q 0 0 0 rg BT 196.87 653.70 Td (which ) Tj ET Q q 0 0 0 rg BT 230.65 653.70 Td (use ) Tj ET Q q 0 0 0 rg BT 253.09 653.70 Td (standard ) Tj ET Q q 0 0 0 rg BT 302.88 653.70 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 384.02 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 397.13 653.70 Td (determine ) Tj ET Q q 0 0 0 rg BT 453.58 653.70 Td (initial ) Tj ET Q q 0 0 0 rg BT 484.02 653.70 Td (and ) Tj ET Q q 0 0 0 rg BT 507.13 653.70 Td (theoretical ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 639.30 Td (mark-to-market ) Tj ET Q q 0 0 0 rg BT 138.27 639.30 Td (valuations ) Tj ET Q q 0 0 0 rg BT 195.24 639.30 Td (of ) Tj ET Q q 0 0 0 rg BT 208.17 639.30 Td (positions. ) Tj ET Q q 0 0 0 rg BT 261.61 639.30 Td (Those ) Tj ET Q q 0 0 0 rg BT 297.89 639.30 Td (valuations ) Tj ET Q q 0 0 0 rg BT 354.86 639.30 Td (serve ) Tj ET Q q 0 0 0 rg BT 387.13 639.30 Td (as ) Tj ET Q q 0 0 0 rg BT 402.73 639.30 Td (base ) Tj ET Q q 0 0 0 rg BT 431.69 639.30 Td (market ) Tj ET Q q 0 0 0 rg BT 471.29 639.30 Td (levels ) Tj ET Q q 0 0 0 rg BT 504.90 639.30 Td (from ) Tj ET Q q 0 0 0 rg BT 531.83 639.30 Td (which ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 624.90 Td (the ) Tj ET Q q 0 0 0 rg BT 73.46 624.90 Td (V) Tj ET Q q 0 0 0 rg BT 80.57 624.90 Td (aR ) Tj ET Q q 0 0 0 rg BT 98.69 624.90 Td (and ) Tj ET Q q 0 0 0 rg BT 121.49 624.90 Td (stress ) Tj ET Q q 0 0 0 rg BT 156.28 624.90 Td (test ) Tj ET Q q 0 0 0 rg BT 178.40 624.90 Td (models ) Tj ET Q q 0 0 0 rg BT 219.86 624.90 Td (calculate ) Tj ET Q q 0 0 0 rg BT 270.00 624.90 Td (potential ) Tj ET Q q 0 0 0 rg BT 318.15 624.90 Td (changes ) Tj ET Q q 0 0 0 rg BT 366.29 624.90 Td (in ) Tj ET Q q 0 0 0 rg BT 378.41 624.90 Td (values. ) Tj ET Q q 0 0 0 rg BT 419.03 624.90 Td (Theoretical ) Tj ET Q q 0 0 0 rg BT 481.17 624.90 Td (mark-to-market ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 610.50 Td (valuations ) Tj ET Q q 0 0 0 rg BT 114.38 610.50 Td (prepared ) Tj ET Q q 0 0 0 rg BT 168.76 610.50 Td (for ) Tj ET Q q 0 0 0 rg BT 189.11 610.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 214.12 610.50 Td (management ) Tj ET Q q 0 0 0 rg BT 290.51 610.50 Td (purposes ) Tj ET Q q 0 0 0 rg BT 346.22 610.50 Td (may ) Tj ET Q q 0 0 0 rg BT 375.24 610.50 Td (dif) Tj ET Q q 0 0 0 rg BT 387.70 610.50 Td (fer ) Tj ET Q q 0 0 0 rg BT 408.05 610.50 Td (from ) Tj ET Q q 0 0 0 rg BT 438.40 610.50 Td (valuations ) Tj ET Q q 0 0 0 rg BT 498.78 610.50 Td (prepared ) Tj ET Q q 0 0 0 rg BT 553.16 610.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 119.37 596.10 Td (with ) Tj ET Q q 0 0 0 rg BT 144.05 596.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 175.85 596.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 567.30 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 98.02 567.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 153.40 567.30 Td (positions ) Tj ET Q q 0 0 0 rg BT 204.09 567.30 Td (do ) Tj ET Q q 0 0 0 rg BT 220.78 567.30 Td (not ) Tj ET Q q 0 0 0 rg BT 240.79 567.30 Td (include ) Tj ET Q q 0 0 0 rg BT 282.15 567.30 Td (any ) Tj ET Q q 0 0 0 rg BT 304.83 567.30 Td (options ) Tj ET Q q 0 0 0 rg BT 346.86 567.30 Td (that ) Tj ET Q q 0 0 0 rg BT 370.21 567.30 Td (require ) Tj ET Q q 0 0 0 rg BT 410.90 567.30 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 465.60 567.30 Td ( ) Tj ET Q q 0 0 0 rg BT 468.94 567.30 Td ( ) Tj ET Q q 0 0 0 rg BT 472.27 567.30 Td ( ) Tj ET Q q 0 0 0 rg BT 475.61 567.30 Td ( ) Tj ET Q q 0 0 0 rg BT 478.94 567.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 538.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 82.11 538.50 Td (management ) Tj ET Q q 0 0 0 rg BT 156.93 538.50 Td (and ) Tj ET Q q 0 0 0 rg BT 181.73 538.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 242.54 538.50 Td (staf) Tj ET Q q 0 0 0 rg BT 261.67 538.50 Td (f ) Tj ET Q q 0 0 0 rg BT 269.78 538.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 319.91 538.50 Td (independent ) Tj ET Q q 0 0 0 rg BT 390.75 538.50 Td (assessment ) Tj ET Q q 0 0 0 rg BT 459.55 538.50 Td (of ) Tj ET Q q 0 0 0 rg BT 474.34 538.50 Td (valuation ) Tj ET Q q 0 0 0 rg BT 527.15 538.50 Td (inputs, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 524.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 113.20 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.72 524.10 Td (outputs ) Tj ET Q q 0 0 0 rg BT 181.59 524.10 Td (for ) Tj ET Q q 0 0 0 rg BT 200.10 524.10 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 252.62 524.10 Td (within ) Tj ET Q q 0 0 0 rg BT 287.80 524.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 342.35 524.10 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 402.22 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.74 524.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 490.61 524.10 Td (any ) Tj ET Q q 0 0 0 rg BT 514.46 524.10 Td (valuation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 509.70 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 122.03 509.70 Td (that ) Tj ET Q q 0 0 0 rg BT 145.38 509.70 Td (may ) Tj ET Q q 0 0 0 rg BT 171.39 509.70 Td (be ) Tj ET Q q 0 0 0 rg BT 188.07 509.70 Td (required.) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 479.1890625 m 245.4140625 479.1890625 l s q 0 0 0 rg BT 54.00 480.90 Td (Other ) Tj ET Q q 0 0 0 rg BT 87.35 480.90 Td (Nonmaterial ) Tj ET Q q 0 0 0 rg BT 155.16 480.90 Td (T) Tj ET Q q 0 0 0 rg BT 162.04 480.90 Td (rading ) Tj ET Q q 0 0 0 rg BT 198.07 480.90 Td (Activities) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 72.00 452.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 452.10 Td (Refer ) Tj ET Q q 0 0 0 rg BT 123.90 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.47 452.10 Td (page ) Tj ET Q q 0 0 0 rg BT 169.72 452.10 Td (84 ) Tj ET Q q 0 0 0 rg BT 187.63 452.10 Td (within ) Tj ET Q q 0 0 0 rg BT 222.86 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.10 452.10 Td (Corporation) Tj ET Q q 0 0 0 rg BT 309.25 452.10 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 319.81 452.10 Td (2017) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 346.51 452.10 Td ( ) Tj ET Q q 0 0 0 rg BT 350.16 452.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 392.08 452.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 432.66 452.10 Td (for ) Tj ET Q q 0 0 0 rg BT 451.22 452.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 511.81 452.10 Td (regarding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 90.00 437.70 Td (market ) Tj ET Q q 0 0 0 rg BT 130.01 437.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 152.00 437.70 Td (associated ) Tj ET Q q 0 0 0 rg BT 212.71 437.70 Td (with ) Tj ET Q q 0 0 0 rg BT 237.38 437.70 Td (other ) Tj ET Q q 0 0 0 rg BT 268.07 437.70 Td (trading ) Tj ET Q q 0 0 0 rg BT 308.09 437.70 Td (activities. ) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 54 407.1890625 m 119.1328125 407.1890625 l s q 0 0 0 rg BT 54.00 408.90 Td (Stress ) Tj ET Q q 0 0 0 rg BT 91.13 408.90 Td (T) Tj ET Q q 0 0 0 rg BT 97.13 408.90 Td (ests) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 380.10 Td (Northern ) Tj ET Q q 0 0 0 rg BT 102.36 380.10 Td (T) Tj ET Q q 0 0 0 rg BT 109.24 380.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 131.04 380.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 178.84 380.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 212.63 380.10 Td (test ) Tj ET Q q 0 0 0 rg BT 233.76 380.10 Td (results ) Tj ET Q q 0 0 0 rg BT 270.89 380.10 Td (on ) Tj ET Q q 0 0 0 rg BT 286.02 380.10 Td (an ) Tj ET Q q 0 0 0 rg BT 301.16 380.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 345.66 380.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 375.46 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.25 380.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 426.39 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.86 380.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 492.01 380.10 Td (for ) Tj ET Q q 0 0 0 rg BT 507.81 380.10 Td (exceeding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 365.70 Td (required ) Tj ET Q q 0 0 0 rg BT 101.62 365.70 Td (capital. ) Tj ET Q q 0 0 0 rg BT 143.23 365.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 193.28 365.70 Td (T) Tj ET Q q 0 0 0 rg BT 200.16 365.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 223.76 365.70 Td (runs ) Tj ET Q q 0 0 0 rg BT 250.69 365.70 Td (a ) Tj ET Q q 0 0 0 rg BT 260.96 365.70 Td (number ) Tj ET Q q 0 0 0 rg BT 305.24 365.70 Td (of ) Tj ET Q q 0 0 0 rg BT 318.83 365.70 Td (stress ) Tj ET Q q 0 0 0 rg BT 354.43 365.70 Td (tests ) Tj ET Q q 0 0 0 rg BT 383.36 365.70 Td (on ) Tj ET Q q 0 0 0 rg BT 400.30 365.70 Td (the ) Tj ET Q q 0 0 0 rg BT 420.58 365.70 Td (foreign ) Tj ET Q q 0 0 0 rg BT 460.86 365.70 Td (exchange ) Tj ET Q q 0 0 0 rg BT 516.49 365.70 Td (portfolio, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 351.30 Td (including ) Tj ET Q q 0 0 0 rg BT 103.89 351.30 Td (quadrupling ) Tj ET Q q 0 0 0 rg BT 169.14 351.30 Td (volatility) Tj ET Q q 0 0 0 rg BT 210.93 351.30 Td (, ) Tj ET Q q 0 0 0 rg BT 216.79 351.30 Td (measuring ) Tj ET Q q 0 0 0 rg BT 275.34 351.30 Td (at ) Tj ET Q q 0 0 0 rg BT 287.88 351.30 Td (an ) Tj ET Q q 0 0 0 rg BT 303.75 351.30 Td (extreme ) Tj ET Q q 0 0 0 rg BT 349.62 351.30 Td (number ) Tj ET Q q 0 0 0 rg BT 392.84 351.30 Td (of ) Tj ET Q q 0 0 0 rg BT 405.37 351.30 Td (standard ) Tj ET Q q 0 0 0 rg BT 454.60 351.30 Td (deviations, ) Tj ET Q q 0 0 0 rg BT 514.49 351.30 Td (stressing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 336.90 Td (correlations ) Tj ET Q q 0 0 0 rg BT 122.50 336.90 Td (to ) Tj ET Q q 0 0 0 rg BT 138.97 336.90 Td (extremes, ) Tj ET Q q 0 0 0 rg BT 198.13 336.90 Td (taking ) Tj ET Q q 0 0 0 rg BT 236.62 336.90 Td (tail ) Tj ET Q q 0 0 0 rg BT 258.43 336.90 Td (averages ) Tj ET Q q 0 0 0 rg BT 314.26 336.90 Td (\(conditional ) Tj ET Q q 0 0 0 rg BT 382.10 336.90 Td (V) Tj ET Q q 0 0 0 rg BT 389.22 336.90 Td (aR ) Tj ET Q q 0 0 0 rg BT 411.03 336.90 Td (or ) Tj ET Q q 0 0 0 rg BT 428.17 336.90 Td (expected ) Tj ET Q q 0 0 0 rg BT 483.34 336.90 Td (shortfall\), ) Tj ET Q q 0 0 0 rg BT 539.16 336.90 Td (zero ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 322.50 Td (diversification ) Tj ET Q q 0 0 0 rg BT 130.67 322.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 170.67 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 194.66 322.50 Td (zero ) Tj ET Q q 0 0 0 rg BT 221.97 322.50 Td (correlation ) Tj ET Q q 0 0 0 rg BT 281.97 322.50 Td (between ) Tj ET Q q 0 0 0 rg BT 331.31 322.50 Td (spot ) Tj ET Q q 0 0 0 rg BT 357.96 322.50 Td (and ) Tj ET Q q 0 0 0 rg BT 381.96 322.50 Td (forward ) Tj ET Q q 0 0 0 rg BT 425.94 322.50 Td (risks. ) Tj ET Q q 0 0 0 rg BT 457.91 322.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 508.31 322.50 Td (T) Tj ET Q q 0 0 0 rg BT 515.19 322.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 539.17 322.50 Td (runs ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 308.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 82.64 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.27 308.10 Td (SV) Tj ET Q q 0 0 0 rg BT 108.39 308.10 Td (aR, ) Tj ET Q q 0 0 0 rg BT 131.02 308.10 Td (which ) Tj ET Q q 0 0 0 rg BT 165.66 308.10 Td (replays ) Tj ET Q q 0 0 0 rg BT 208.30 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 218.94 308.10 Td (severe ) Tj ET Q q 0 0 0 rg BT 258.91 308.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 310.23 308.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 358.22 308.10 Td (crisis ) Tj ET Q q 0 0 0 rg BT 389.51 308.10 Td (period ) Tj ET Q q 0 0 0 rg BT 426.82 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.00 308.10 Td (August ) Tj ET Q q 0 0 0 rg BT 481.32 308.10 Td (2008 ) Tj ET Q q 0 0 0 rg BT 511.98 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.16 308.10 Td (August ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 293.70 Td (2009. ) Tj ET Q q 0 0 0 rg BT 87.76 293.70 Td (In ) Tj ET Q q 0 0 0 rg BT 101.50 293.70 Td (assessing ) Tj ET Q q 0 0 0 rg BT 158.59 293.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 197.01 293.70 Td (adequacy) Tj ET Q q 0 0 0 rg BT 248.16 293.70 Td (, ) Tj ET Q q 0 0 0 rg BT 255.23 293.70 Td (Northern ) Tj ET Q q 0 0 0 rg BT 305.40 293.70 Td (T) Tj ET Q q 0 0 0 rg BT 312.29 293.70 Td (rust ) Tj ET Q q 0 0 0 rg BT 336.02 293.70 Td (considers ) Tj ET Q q 0 0 0 rg BT 391.11 293.70 Td (in ) Tj ET Q q 0 0 0 rg BT 404.18 293.70 Td (particular ) Tj ET Q q 0 0 0 rg BT 457.27 293.70 Td (the ) Tj ET Q q 0 0 0 rg BT 477.68 293.70 Td (results ) Tj ET Q q 0 0 0 rg BT 516.75 293.70 Td (of ) Tj ET Q q 0 0 0 rg BT 530.49 293.70 Td (stress ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 279.30 Td (tests ) Tj ET Q q 0 0 0 rg BT 83.49 279.30 Td (run ) Tj ET Q q 0 0 0 rg BT 104.99 279.30 Td (daily ) Tj ET Q q 0 0 0 rg BT 133.82 279.30 Td (that ) Tj ET Q q 0 0 0 rg BT 157.99 279.30 Td (reenact ) Tj ET Q q 0 0 0 rg BT 202.16 279.30 Td (eight ) Tj ET Q q 0 0 0 rg BT 232.34 279.30 Td (of ) Tj ET Q q 0 0 0 rg BT 246.50 279.30 Td (the ) Tj ET Q q 0 0 0 rg BT 267.33 279.30 Td (most ) Tj ET Q q 0 0 0 rg BT 297.48 279.30 Td (severe ) Tj ET Q q 0 0 0 rg BT 337.65 279.30 Td (historical ) Tj ET Q q 0 0 0 rg BT 389.15 279.30 Td (events ) Tj ET Q q 0 0 0 rg BT 428.66 279.30 Td (over ) Tj ET Q q 0 0 0 rg BT 456.16 279.30 Td (a ) Tj ET Q q 0 0 0 rg BT 466.98 279.30 Td (simulated ) Tj ET Q q 0 0 0 rg BT 522.49 279.30 Td (ten-day ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 264.90 Td (period.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 54.00 236.10 Td (Independent ) Tj ET Q q 0 0 0 rg BT 128.67 236.10 Td (Review ) Tj ET Q q 0 0 0 rg BT 173.36 236.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.02 236.10 Td (V) Tj ET Q q 0 0 0 rg BT 205.37 236.10 Td (erification) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 207.30 Td (Independent ) Tj ET Q q 0 0 0 rg BT 125.27 207.30 Td (oversight ) Tj ET Q q 0 0 0 rg BT 178.49 207.30 Td (and ) Tj ET Q q 0 0 0 rg BT 203.05 207.30 Td (review ) Tj ET Q q 0 0 0 rg BT 242.26 207.30 Td (of ) Tj ET Q q 0 0 0 rg BT 256.80 207.30 Td (the ) Tj ET Q q 0 0 0 rg BT 278.02 207.30 Td (Market ) Tj ET Q q 0 0 0 rg BT 319.23 207.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 347.10 207.30 Td (Framework ) Tj ET Q q 0 0 0 rg BT 411.64 207.30 Td (is ) Tj ET Q q 0 0 0 rg BT 424.84 207.30 Td (provided ) Tj ET Q q 0 0 0 rg BT 475.41 207.30 Td (by ) Tj ET Q q 0 0 0 rg BT 492.62 207.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 520.48 207.30 Td (Control. ) Tj ET Q q 0 0 0 rg BT 565.83 207.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 192.90 Td (Refer ) Tj ET Q q 0 0 0 rg BT 86.81 192.90 Td (to ) Tj ET Q q 0 0 0 rg BT 100.28 192.90 Td (Independent ) Tj ET Q q 0 0 0 rg BT 170.48 192.90 Td (Review ) Tj ET Q q 0 0 0 rg BT 213.29 192.90 Td (and ) Tj ET Q q 0 0 0 rg BT 236.78 192.90 Td (V) Tj ET Q q 0 0 0 rg BT 244.12 192.90 Td (erification ) Tj ET Q q 0 0 0 rg BT 298.95 192.90 Td (within ) Tj ET Q q 0 0 0 rg BT 333.09 192.90 Td (the ) Tj ET Q q 0 0 0 rg BT 353.24 192.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 380.04 192.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 453.54 192.90 Td (Overview ) Tj ET Q q 0 0 0 rg BT 507.02 192.90 Td (section ) Tj ET Q q 0 0 0 rg BT 548.51 192.90 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 178.50 Td (more ) Tj ET Q q 0 0 0 rg BT 84.67 178.50 Td (information.) Tj ET Q endstream endobj 81 0 obj <> endobj 82 0 obj <> stream BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 54.00 756.40 Td (Pillar 3 Regulatory Disclosures) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 731.9 m 559 731.9 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 304.25 33.25 Td (37 March 31, 2018 | ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 443.02 33.25 Td (Northern) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 481.93 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 484.53 33.25 Td (T) Tj ET Q q 0 0.39215686274509803 0.30980392156862746 rg BT 490.27 33.25 Td (rust) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1843137254901961 0.30980392156862746 0.30980392156862746 rg BT 506.94 33.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.39215686274509803 0.30980392156862746 rg BT 509.71 33.25 Td (Corporation) Tj ET Q BT /F3 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 54.00 711.30 Td (References to the Corporation) Tj ET Q q 0 0 0 rg BT 229.58 711.30 Td (s SEC Filings) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 682.50 Td (The ) Tj ET Q q 0 0 0 rg BT 80.97 682.50 Td (Corporation) Tj ET Q q 0 0 0 rg BT 146.12 682.50 Td (s ) Tj ET Q q 0 0 0 rg BT 158.41 682.50 Td (SEC ) Tj ET Q q 0 0 0 rg BT 189.37 682.50 Td (filings ) Tj ET Q q 0 0 0 rg BT 226.34 682.50 Td (contain ) Tj ET Q q 0 0 0 rg BT 271.32 682.50 Td (important ) Tj ET Q q 0 0 0 rg BT 327.63 682.50 Td (information ) Tj ET Q q 0 0 0 rg BT 393.28 682.50 Td (relative ) Tj ET Q q 0 0 0 rg BT 438.25 682.50 Td (to ) Tj ET Q q 0 0 0 rg BT 454.55 682.50 Td (this ) Tj ET Q q 0 0 0 rg BT 479.51 682.50 Td (report. ) Tj ET Q q 0 0 0 rg BT 520.48 682.50 Td (Specific ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (references ) Tj ET Q q 0 0 0 rg BT 114.03 668.10 Td (are ) Tj ET Q q 0 0 0 rg BT 134.71 668.10 Td (listed ) Tj ET Q q 0 0 0 rg BT 166.05 668.10 Td (below) Tj ET Q q 0 0 0 rg BT 196.75 668.10 Td (. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 628.2 m 177.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 628.2 m 184.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 628.2 m 227.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 628.2 m 283.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 628.2 m 326.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 628.2 m 343.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 628.2 m 353.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 628.2 m 400.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 628.2 m 447.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 628.2 m 504.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 628.2 m 590.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 628.2 m 504.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 628.2 m 590.25 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 599.2 m 400.25 599.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 599.2 m 447.25 599.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 599.2 m 504.25 599.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 599.2 m 590.25 599.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 584.2 m 177.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 584.2 m 184.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 584.2 m 227.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 584.2 m 283.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 584.2 m 326.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 584.2 m 343.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 584.2 m 353.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 584.2 m 400.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 584.2 m 447.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 584.2 m 504.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 584.2 m 590.25 584.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 569.2 m 177.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 569.2 m 184.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 569.2 m 227.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 569.2 m 283.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 569.2 m 326.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 569.2 m 343.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 569.2 m 353.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 569.2 m 400.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 569.2 m 447.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 569.2 m 504.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 569.2 m 590.25 569.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 516.2 m 177.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 501.2 m 177.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 516.2 m 184.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 516.2 m 227.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 516.2 m 283.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 516.2 m 326.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 516.2 m 343.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 516.2 m 353.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 516.2 m 400.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 516.2 m 447.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 516.2 m 504.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 516.2 m 590.25 516.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 501.2 m 177.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 501.2 m 184.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 501.2 m 227.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 501.2 m 283.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 501.2 m 326.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 501.2 m 343.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 501.2 m 353.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 501.2 m 400.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 501.2 m 447.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 501.2 m 504.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 501.2 m 590.25 501.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 456.2 m 177.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 456.2 m 184.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 456.2 m 227.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 456.2 m 283.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 456.2 m 326.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 456.2 m 343.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 456.2 m 353.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 456.2 m 400.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 456.2 m 447.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 456.2 m 504.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 456.2 m 590.25 456.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 407.2 m 177.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 407.2 m 184.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 407.2 m 227.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 407.2 m 283.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 407.2 m 326.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 407.2 m 343.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 407.2 m 353.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 407.2 m 400.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 407.2 m 447.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 407.2 m 504.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 407.2 m 590.25 407.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 25.25 332.2 m 177.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.25 332.2 m 184.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.25 332.2 m 227.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 332.2 m 283.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.25 332.2 m 326.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 332.2 m 343.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.25 332.2 m 353.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.25 332.2 m 400.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 332.2 m 447.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 332.2 m 504.25 332.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.25 332.2 m 590.25 332.2 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 632.60 Td (DISCLOSURE MAP) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 369.20 611.40 Td (Pillar 3 Report) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 457.95 615.90 Td (Q1 2018) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 452.70 606.90 Td (Form 10-Q) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 520.40 615.90 Td (2017 ) Tj ET Q q 0 0 0 rg BT 542.59 615.90 Td (Annual) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 532.25 606.90 Td (Report) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 603.60 Td (Pillar 3 Requirement) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 603.60 Td (Description) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 397.20 588.60 Td (Disclosure Starts on Page Number) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 573.60 Td (Introduction) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 573.60 Td (Basis of Presentation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.70 573.60 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.70 573.60 Td (30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 573.60 Td (93) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 560.15 Td (Capital Structure) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 558.60 Td (T) Tj ET Q q 0 0 0 rg BT 191.91 558.60 Td (erms and conditions of capital) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 549.60 Td (instruments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.70 549.60 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.70 549.60 Td (124, 125) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 529.60 Td (Restrictions on transactions between) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 520.60 Td (the Corporation and its subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 520.60 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.70 520.60 Td (9, 153) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 505.60 Td (Risk Management Overview) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 505.60 Td (Risk management processes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 505.60 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 505.60 Td (74) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 492.15 Td (Credit Risk: General Disclosure) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 490.60 Td (Loans and leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.70 490.60 Td (16, 17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.70 490.60 Td (45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.35 490.60 Td (76, 1) Tj ET Q q 0 0 0 rg BT 577.03 490.60 Td (13) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 475.60 Td (Allowance for credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.70 475.60 Td (16, 17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.70 475.60 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.35 475.60 Td (58, 61, 1) Tj ET Q q 0 0 0 rg BT 577.04 475.60 Td (19) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 460.60 Td (Industries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 460.60 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 460.60 Td (67) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 447.15 Td (Counterparty Credit Risk of OTC) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 438.15 Td (Derivative Contracts, Repo-Style) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 429.15 Td (T) Tj ET Q q 0 0 0 rg BT 33.00 429.15 Td (ransactions and Eligible Margin) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 420.15 Td (Loans) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 447.15 Td (Derivative contract exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 411.60 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.70 411.60 Td (34, 65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.70 411.60 Td (102, 144) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 396.60 Td (Market Risk: Interest Rate) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 398.15 Td (NII sensitivity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 396.60 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.70 396.60 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 396.60 Td (81) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 383.15 Td (Stress testing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.70 381.60 Td (32, 33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 381.60 Td (82) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 368.15 Td (MVE sensitivity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 366.60 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.70 366.60 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 366.60 Td (82) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 27.75 353.15 Td (Market Risk: Foreign Currency) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 353.15 Td (V) Tj ET Q q 0 0 0 rg BT 192.50 353.15 Td (aR and SV) Tj ET Q q 0 0 0 rg BT 236.52 353.15 Td (aR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 351.60 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.70 351.60 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 351.60 Td (83) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 186.75 338.15 Td (Other trading activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.70 336.60 Td (36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.70 336.60 Td (84) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 83 0 obj <> /View <>>>>> endobj 84 0 obj <> /View <>>>>> endobj 85 0 obj <> endobj 86 0 obj <> stream xy\E7~n{{w'd'52 HaGPPA!"" b-&h,+TLy?:uk?uΩoH""?W~.Xv3&rm 2\jMgwm'CڴzlycǏ\ rBjx\DsV@{twocmC{Iwl11z:1m!t-\q3D.:yz'Wɨp[_F=>E"ǢӦ/|K&_~=!wn-az3¦h$7,ؑ2Oo_eSFLlk}Fg[F>|;