Percent Year Ended December 31 (Dollars In Thousands, Except Per Share Data) 2003 2002 (1) Change Earnings: Net interest income $ 2,785,089  $ 2,719,112 2.43% Non-interest income 5,415,924  5,466,836 -0.93 Marketing 1,118,422 1,070,624  4.46 Other non-interest expense 3,738,301  3,514,957  6.35 Net income  1,135,842 899,644  26.25 Tax rate 37.0% 38.0% Per Common Share: Basic earnings $ 5.05  $ 4.09 23.47 Diluted earnings 4.85  3.93  23.41 Dividends 0.11 0.11  0.00 Book value as of year-end 25.75  20.44  25.98 Market prices Year-end $ 61.29  $ 29.72  106.22 High 64.25  66.50  -3.38 Low 24.91 24.05  3.58 Price/Earnings ratio 12.64  7.56  67.11 Ratios: Return on average assets 2.76% 2.63% Return on average equity 21.34  21.69  Capital to assets 14.87  14.55  Allowance for loan losses to  loans as of year-end 4.86  6.29  Consumer Loan Data: Average reported loans $ 28,677,616  $ 25,036,019  14.55 Securitization adjustments 34,234,337  27,763,547  23.31 Average total managed loans 62,911,953 52,799,566  19.15 Year-end reported loans 32,850,269  27,343,930  20.14 Securitization adjustments 38,394,527  32,402,607  18.49 Year-end total managed loans 71,244,796  59,746,537  19.25 Year-End Reported Data: Assets $ 46,283,706  $ 37,382,380  23.81 Earning assets 40,891,923  32,918,598  24.22 Average assets 41,195,413  34,201,724  20.45 Average earning assets 37,362,297  31,147,599  19.95 Common equity 6,051,811  4,623,171  30.90 Reported loan yield 13.71% 15.15% Reported revenue margin 21.95  26.28  Reported net interest margin 7.45  8.73  Reported delinquency rate (30+ days) 4.79  6.12  Reported net charge-off rate 5.74  5.03  Year-End Managed Data: Managed loan yield  13.88% 14.64% Managed revenue margin 14.65 16.93  Managed net interest margin 8.64  9.23  Managed delinquency rate (30+ days) 4.46  5.60  Managed net charge-off rate 5.86  5.24  Year-end total accounts (000s) 47,038  47,369 -0.70 Associates (FTEs) 17,760  18,757 -5.32 Shares outstanding (000s) 235,042  226,195 3.91 Common stockholders of record 10,227  10,227 0.00 (1) Certain prior period amounts have been reclassified to conform to the current period presentation for the Financial Accounting Standards Board Staff Position, “Accounting for Accrued Interest Receivable Related to Securitized and Sold Receivables under FASB Statement No. 140, Accounting for Transfers and Servicing of  Financial Assets and Extinguishments of Liabilities,” that was issued April 2003.