DILUTED EARNINGS PER SHARE $3.93 2002 2001 $2.91 2000 $2.24 TOTAL ACCOUNTS  (in millions) 33.8 2000 43.8 2001 47.4 2002 MANAGED LOANS REPORTED LOANS  CONSUMER LOANS  ($ in billions) 59.7 27.9 2002 45.3 20.9 2001 29.5 15.1 2000 Managed loans are comprised of reported loans and off-balance sheet securitized loans. 3 Financial S umm ary Percent Year Ended December 31 (In Thousands) 2002 2001 Change Earnings: Net interest income $ 2,719,112 $ 1,750,142 55.37 % Non-interest income 5,466,836 4,463,762 22.47 Marketing 1,070,624  1,082,979 -1.14 Other non-interest expense 3,514,957 2,975,048 18.15 Net income  899,644  641,965 40.14 Tax rate 38.0% 38.0% 0.00 Per Common Share: Basic earnings $ 4.09 $ 3.06 33.66 Diluted earnings 3.93 2.91 35.05 Dividends 0.11 0.11 0.00 Book value as of year-end 20.44 15.33 33.33 Market prices Year-end $ 29.72 $ 53.95 -44.91 High 66.50 72.58 -8.38 Low 24.05  36.41 -33.95 Price/Earnings ratio 7.56 18.54 -59.21 Ratios: Return on average assets 2.63% 2.75% -4.34 Return on average equity 21.69 23.08 -6.04 Capital to assets 14.55 12.14 19.88 Allowance for loan losses to  loans as of year-end 6.18  4.02 53.80 Consumer Loan Data: Average reported loans $ 25,539,996 $ 17,284,306 47.76 Average off-balance sheet loans 27,259,570 18,328,011 48.73 Average total managed loans 52,799,566  35,612,317 48.26 Year-end reported loans 27,853,652  20,921,014 33.14 Year-end off-balance sheet loans 31,892,885 24,342,949 31.01 Year-end total managed loans 59,746,537  45,263,963 32.00 Year-end total accounts (000s) 47,369  43,815 8.11 Managed yield  14.64% 15.88% -7.80 Reported yield 15.15 15.79 -4.05 Managed net interest margin 9.23 9.40 -1.85 Reported net interest margin 8.73 8.45 -3.31 Managed delinquency rate (30+ days) 5.60  4.95 13.13 Reported delinquency rate (30+ days) 6.51 4.84 34.50 Managed net charge-off rate 5.24  4.65 12.79 Reported net charge-off rate 4.93 4.76 3.57 Year-End Reported Data: Assets $ 37,382,380 $ 28,184,047  32.64 Earning assets 32,918,598  24,388,463 34.98 Average assets 34,201,724 23,346,309 46.50 Average earning assets 31,147,599 20,706,172 50.43 Common equity 4,623,171 3,323,478 39.11 Associates (FTE's) 18,757 21,648 -13.35 Shares outstanding (000s) 226,195 216,778 4.34 Common stockholders of record 10,227 10,065 1.61