Reference is made to the sections entitled "2019 Overview and 2020 Outlook," "Results of Operations," "Strategic Lines of Business," "Balance Sheet and Capital Funds Analysis," "Risk Management," "Critical Accounting Policies," "Supplemental Financial Data" and "Forward-Looking Statements" on pages F-4 through F-39 of the Financial Section of this report.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk. Reference is made to the subheadings entitled "Market and Liquidity Risk," "Operational Risk," "Technology Risk," "Compliance Risk" and "Strategic Risk" on pages F-28 through F-33 of the Financial Section of this report.


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