Collateralized Revolving Credit Facilities Not G STOCK-BASED COMPENSATION PLANS In April 2002, COAF entered into a $2.2 billion revolving warehouse credit facility collateralized by a security interest in certain consumer loan assets. The warehouse credit facility has several participants each with a separate renewal date. The facility does not have a final maturity date. Instead, each participant may elect to renew the commitment for another set period of time. All participants have renewal dates occurring in 2003. Interest on the facility is based on commercial paper rates. At December 31, 2002, $894.0 million was outstanding under the facility. In October 2001, PeopleFirst entered into a $500.0 million revolving credit facility collateralized by a security interest in certain consumer loan assets. Interest on the facility is based on London InterBank Offering Rates (“LIBOR”). The facility matured in March 2002. At December 31, 2001, $.4 million was outstanding under the facility. Interest-bearing deposits, senior notes and other borrowings as of December 31, 2002, mature as follows: The Company has five stock-based compensation plans, three employee plans and two non-employee directors plans. Under the plans, the Company reserves common shares for the issuance in various forms to include incentive stock options, nonstatutory stock options, stock appreciation rights, restricted stock awards and incentive stock awards. The form of stock compensation is specific to each plan. Generally the exercise price of each stock option will equal or exceed the market price of the Company’s stock on the date of grant, the maximum term will be ten years, and vesting is determined at the time of grant, typically either 33 1/3 percent per year beginning with the first anniversary of the grant date for options, three years from the time of grant for restricted stock or accelerated vesting option grants as described below. The following table provides the number of reserved common shares and the number of common shares available for future issuance for each of the Company’s stock-based compensation plans as of December 31, 2002, 2001 and 2000: Stock Plans Interest-Bearing Other  Deposits Senior Notes Borrowings Total 2003 $ 4,880,378 $ 1,059,917 $ 2,747,137 $ 8,687,432 2004 3,498,878 1,030,198 1,423,781 5,952,857 2005 3,183,808 1,531,909 992,358 5,708,075 2006 2,398,802 1,244,389 717,988 4,361,179 2007 3,109,352 299,805 477,988 3,887,145 Thereafter 254,747 399,397 5,823 659,967 Total $ 17,325,965 $ 5,565,615 $ 6,365,075 $ 29,256,655 Available For Issuance  Shares Plan Name Reserved 2002 2001 2000 2002 Non-Executive  Officer Stock Incentive Plan 8,500,000 2,167,450 - - 1999 StockIncentive Plan 600,000 322,300 305,350 294,800 1994 StockIncentive Plan 67,112,640 2,186,615 2,770,459 1,221,281 1999 Non-Employee  Directors Stock Incentive Plan 825,000 220,000 22,510 27,510 1995 Non-Employee  Directors Stock Incentive Plan (1) 600,000 - - - (1 ) The plan’s ability to issue grants was terminated in 1999. There are currently 457,500 options outstanding under the plan. 61