Table 12 reflects the costs of other borrowings of the Company as of and for each of the years ended December 31, 2002, 2001 and 2000. Table 12: Short-Term Borrowings Maximum Outstanding Outstanding Average Average Year-End (Dollars in Thousands)as of any Month-End as of Year-End Outstanding Interest Rate Interest Rate 2002: Federal funds purchased and resale agreements $ 1,741,911 $ 554,887 $ 1,118,185 1.66% 1.26% Other 1,418,184 897,208 844,715 2.96 2.09 Total $ 1,452,095 $ 1,962,900 2.22% 1.77% 2001: Federal funds purchased and resale agreements $ 1,643,524 $ 434,024 $ 1,046,647 3.77% 1.91% Other 616,584 449,393 224,995 7.66 2.29 Total $ 883,417 $ 1,271,642 4.46% 2.10% 2000: Federal funds purchased and resale agreements $ 1,303,714 $ 1,010,693 $ 1,173,267 6.26% 6.58% Other 371,020 43,359 129,700 11.52 6.17 Total $ 1,054,052 $ 1,302,967 6.79% 6.56% Additional information regarding funding can be found in Note F to the Consolidated Financial Statements. Table 13 summarizes the amounts and maturities of the contractual funding obligations of the Company, including off-balance sheet funding. The terms of the lease and credit facility agreements related to certain other borrowings and operating leases in Table 13 require several financial covenants (including performance measures and equity ratios) to be met. If these covenants are not met, there may be an acceleration of the payment due dates noted above. As of December 31, 2002, the Company was not in default of any such covenants. As of December 31, 2002 Total Up to 1 year 1-3 years 4-5 years After 5 years Interest-bearing deposits $ 17,325,965 $ 4,880,378 $ 6,682,686 $ 5,508,154 $ 254,747 Senior notes 5,565,615 1,059,917 2,562,107 1,544,194 399,397 Other borrowings 6,365,075 2,747,137 2,416,139 1,195,976 5,823 Operating leases 292,927 53,165 84,873 70,420 84,469 Off-balance sheet securitization amortization 31,841,923 8,966,743 8,859,607 9,733,705 4,281,868 Total obligations $ 61,391,505 $ 17,707,340 $ 20,605,412 $ 18,052,449 $ 5,026,304 36 Funding Obligations Table 13: Funding Obligations