0000927628 2025-01-01 2025-12-31 0000927628 2024-01-01 2024-12-31 0000927628 2023-01-01 2023-12-31 0000927628 2022-01-01 2022-12-31 0000927628 2021-01-01 2021-12-31 0000927628 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0000927628 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:PeoMember 2025-01-01 2025-12-31 0000927628 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:PeoMember 2025-01-01 2025-12-31 0000927628 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:PeoMember 2025-01-01 2025-12-31 0000927628 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0000927628 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0000927628 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0000927628 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0000927628 ecd:AggtChngPnsnValInSummryCompstnTblForAplblYrMember ecd:PeoMember 2025-01-01 2025-12-31 0000927628 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:PeoMember 2025-01-01 2025-12-31 0000927628 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:PeoMember 2025-01-01 2025-12-31 0000927628 1 2025-01-01 2025-12-31 0000927628 2 2025-01-01 2025-12-31 0000927628 3 2025-01-01 2025-12-31 iso4217:USD pure DEF 14A false 0000927628 Capital One Financial Corporation true Item 402(x) of Regulation S-K requires Capital One to discuss our policies and practices on the timing of awards of options in relation to our disclosure of material non-public information. Capital One does not seek to time equity grants to take advantage of material non-public information and has never had a practice of doing so. Capital One does not currently grant stock options or similar awards. Accordingly, we do not consider the release of material non-public information in relation to the grant of such awards and do not time such release for the purpose of affecting the value of executive compensation. Capital One does not seek to time equity grants to take advantage of material non-public information and has never had a practice of doing so. Capital One does not currently grant stock options or similar awards. Accordingly, we do not consider the release of material non-public information in relation to the grant of such awards and do not time such release for the purpose of affecting the value of executive compensation. false Accordingly, we do not consider the release of material non-public information in relation to the grant of such awards and do not time such release for the purpose of affecting the value of executive compensation. false false Common Dividends + Growth of Tangible Book Value Per Common Share <div id="txa701179_50" style="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;">Pay versus Performance </div></div></div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:justify">As required by Section 953(a) of the Dodd-Frank Act, we are providing the information below to illustrate the relationship between the SEC-defined compensation actually paid (“CAP”) and various measures used to gauge the Company’s financial performance in conformance with Item 402(v) of Regulation S-K. CAP is calculated in accordance with Item 402(v) of Regulation S-K and differs from compensation shown in the Summary Compensation Table on page 98 and CEO and other NEO performance year compensation tables shown on pages 79 and 85, respectively. See below for a reconciliation of the total compensation shown in the Summary Compensation Table to CAP. The Committee does not utilize CAP as the basis for making compensation decisions. For further information concerning our compensation philosophy and how we align executive compensation with performance, see the Compensation Discussion and Analysis section beginning on page 54. </div><div id="txa701179_51" style="margin-top:12pt; margin-bottom:0pt; font-size:16pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;">Pay versus Performance Table </div></div></div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="4" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#023c5b"> <td rowspan="2" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">  Performance</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">  Year</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt"> </div></td> <td rowspan="2" style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td rowspan="2" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary<br/> Compensation<br/>   Table Total for  <br/> Principal</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Executive</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Officer</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">(PEO)</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td> <td rowspan="2" style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td rowspan="2" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Compensation  <br/> Actually Paid<br/> to PEO</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)(2)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td> <td rowspan="2" style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td rowspan="2" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Average</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Compensation </div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Table Total</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">for <div style="white-space:nowrap;display:inline;">Non-PEO</div></div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Named</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Executive</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Officers</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td> <td rowspan="2" style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td rowspan="2" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Average</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Compensation </div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Actually Paid</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">to <div style="white-space:nowrap;display:inline;">Non-PEO</div></div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Named</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Executive</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Officers</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)(2)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td> <td style=" BORDER-BOTTOM:3.00pt solid #ffffff;vertical-align:bottom"> </td> <td colspan="3" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:3.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">  </div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Value of Initial Fixed $100 <br/> Invested Based on:</div></div></div></div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt;text-align:left"> </div><div style="font-size:4pt; margin-top:0pt; margin-bottom:1pt"> </div></td> <td rowspan="2" style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td rowspan="2" style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Net<br/>  Income <br/> ($M)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td> <td rowspan="2" style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td rowspan="2" style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"><div style="-sec-ix-hidden:hidden158385515;display:inline;">Common</div></div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Dividends </div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">+ Growth</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">of<br/> Tangible<br/> Book</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Value Per</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Common</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Share</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#023c5b"> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Total</div></div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Shareholder <br/> Return</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Peer Group<br/> Total<br/>  Shareholder <br/> Return</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></div></div><div style="font-size:1pt; margin-top:0pt; margin-bottom:1pt;text-align:left"> </div></td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.25em; font-size:8pt; font-family:arial">2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$64,971,137</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$94,125,501</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$12,057,413</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$14,934,044</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$268.21</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$203.47</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$2,453</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">3.1%</td></tr> <tr style="font-size:1pt"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.25em; font-size:8pt; font-family:arial">2024</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$30,829,070</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$56,390,154</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$7,434,305</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$10,043,898</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$189.44</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$173.90</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$4,750</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">9.6%</td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.25em; font-size:8pt; font-family:arial">2023</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$28,589,573</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$56,015,379</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$7,171,356</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$9,620,815</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$137.03</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$133.20</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$4,887</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">18.7%</td></tr> <tr style="font-size:1pt"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.25em; font-size:8pt; font-family:arial">2022</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$27,605,311</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(758,823)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$11,374,302</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$7,425,259</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$94.95</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$118.77</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$7,360</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">(11.3)%</td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.25em; font-size:8pt; font-family:arial">2021</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$20,457,553</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$44,692,866</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$5,404,513</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$7,652,216</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$145.28</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$132.75</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$12,390</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">15.8%</td></tr></table><div style="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Mr. Fairbank is represented as the principal executive officer (“PEO”) for each of the years shown. For performance year 2025, Messrs. Young, Cooper, Mouadeb, and LaPrade are represented as the non-PEO named executive officers (“Non-PEO NEOs”). For performance year 2024, Messrs. Young, LaPrade, Cooper, and Yajnik are represented as the Non-PEO NEOs. For performance year 2023, Messrs. Young, LaPrade, Yajnik, and Robert M. Alexander are represented as the Non-PEO NEOs. For performance year 2022, Messrs. Young, Neal A. Blinde, LaPrade, and Yajnik are represented as the Non-PEO NEOs. For performance year 2021, Messrs. Young, R. Scott Blackley, LaPrade, Michael J. Wassmer, and Yajnik are represented as the Non-PEO NEOs. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">The calculation of CAP requires that we make adjustments to amounts previously reported in the Summary Compensation Table for the five years presented. The SEC’s valuation and calculation methods for CAP differ from those required in the Summary Compensation Table. The table below summarizes compensation values presented in the Summary Compensation Table and the adjusted values required to reconcile these values to the CAP presented above. The amounts shown below for Non-PEO NEOs represents an average of all Non-PEO NEOs. CAP to the PEO and Non-PEO NEOs represents Summary Compensation Table total compensation adjusted by the following amounts: </div></td></tr></table><div style="font-size:8pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:26%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td colspan="19" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:7pt;background-color:#023c5b"> <td colspan="19" style="padding-bottom:6pt ;vertical-align:bottom;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary Compensation Table Total to CAP Reconciliation</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff;height:3pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:7pt;background-color:#023c5b"> <td style="BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom">  </td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary<br/>  Compensation <br/> Table Total</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Change in<br/> Pension<br/> Value<br/>  Deduction</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(c)</div><div style="color:#ffffff;display:inline;"> </div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Less Fair<br/> Value of<br/> Equity<br/> Awards<br/> Reported<br/> in the<br/> Summary<br/>  Compensation <br/> Table in the<br/> Covered Year</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Plus Fair<br/> Value of<br/> Covered<br/>  Year Equity <br/> Awards<br/> at Fiscal<br/> Year-End</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Change in <br/> Fair Value<br/> of Prior<br/> Years’<br/> Equity<br/> Awards<br/> Unvested<br/> at Fiscal<br/> Year-End</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Change in<br/> Fair Value<br/> of Prior<br/> Years’<br/> Equity<br/> Awards<br/> Vested in<br/>  the Covered <br/> Year</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Less<br/>  Fair Value <br/> of Prior<br/> Year<br/> Awards<br/> Forfeited<br/> in the<br/> Covered<br/> Year</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(d)</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Plus Fair<br/> Value of<br/>  Incremental <br/> Dividends<br/> or<br/> Earnings<br/> on Stock<br/> Awards</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">CAP</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(e)</div></div></div></td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">PEO 2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$64,971,137</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(10,831)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(58,127,029)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $71,407,266 </td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $15,664,126 </td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$(722,283)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$943,115</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $94,125,501 </td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="height:3pt;background-color:#ffffff"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff"><div style="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Non-PEO</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">NEOs 2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$12,057,413</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;background-color:#ffffff;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$(7,199,981)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$8,827,418</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$1,029,963</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$148,088</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;background-color:#ffffff;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$71,143</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$14,934,044</td></tr></table></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #023c5b"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Fair values are calculated in accordance with FASB ASC Topic 718 as of the end of the fiscal year, other than awards that vest in the covered year, which are valued as of the applicable vesting dates. There were no awards granted in each of the covered years that vested in the same year. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the total compensation amount reported in the Summary Compensation Table the year shown. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(c)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the aggregate change in pension value for all defined benefit plans. There are no service costs or prior service costs associated with pension benefits since the Cash Balance Pension Plan and the Excess Cash Balance Pension Plan are frozen. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(d)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects awards that failed to meet vesting conditions during the covered year. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(e)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the actual CAP for the PEO and average CAP for the Non-PEO NEOs. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">TSR is cumulative for the measurement periods beginning on December 31, 2020, and ending on the last fiscal day in 2025, 2024, 2023, 2022, and 2021, respectively, calculated in accordance with Item 201(e) of Regulation S-K. “Peer Group” represents the S&amp;P Financial Index for each year disclosed in the table. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">D+TBV/Sh is a non-GAAP measure. D+TBV/Sh is calculated as the ratio, expressed as a percentage, of (i) the Company’s tangible book value per share at the end of each year, plus total common dividends per share paid during such year, to (ii) the Company’s tangible book value per share at the beginning of each corresponding year. </div></td></tr></table> 64971137 94125501 12057413 14934044 268.21 203.47 2453000000 3.1 30829070 56390154 7434305 10043898 189.44 173.9 4750000000 9.6 28589573 56015379 7171356 9620815 137.03 133.2 4887000000 18.7 27605311 758823 11374302 7425259 94.95 118.77 7360000000 -11.3 20457553 44692866 5404513 7652216 145.28 132.75 12390000000 15.8 Mr. Fairbank is represented as the principal executive officer (“PEO”) for each of the years shown. For performance year 2025, Messrs. Young, Cooper, Mouadeb, and LaPrade are represented as the non-PEO named executive officers (“Non-PEO NEOs”). For performance year 2024, Messrs. Young, LaPrade, Cooper, and Yajnik are represented as the Non-PEO NEOs. For performance year 2023, Messrs. Young, LaPrade, Yajnik, and Robert M. Alexander are represented as the Non-PEO NEOs. For performance year 2022, Messrs. Young, Neal A. Blinde, LaPrade, and Yajnik are represented as the Non-PEO NEOs. For performance year 2021, Messrs. Young, R. Scott Blackley, LaPrade, Michael J. Wassmer, and Yajnik are represented as the Non-PEO NEOs. Mr. Fairbank <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">The calculation of CAP requires that we make adjustments to amounts previously reported in the Summary Compensation Table for the five years presented. The SEC’s valuation and calculation methods for CAP differ from those required in the Summary Compensation Table. The table below summarizes compensation values presented in the Summary Compensation Table and the adjusted values required to reconcile these values to the CAP presented above. The amounts shown below for Non-PEO NEOs represents an average of all Non-PEO NEOs. CAP to the PEO and Non-PEO NEOs represents Summary Compensation Table total compensation adjusted by the following amounts: </div></td></tr></table><div style="font-size:8pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:26%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td colspan="19" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:7pt;background-color:#023c5b"> <td colspan="19" style="padding-bottom:6pt ;vertical-align:bottom;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary Compensation Table Total to CAP Reconciliation</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff;height:3pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:7pt;background-color:#023c5b"> <td style="BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom">  </td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary<br/>  Compensation <br/> Table Total</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Change in<br/> Pension<br/> Value<br/>  Deduction</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(c)</div><div style="color:#ffffff;display:inline;"> </div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Less Fair<br/> Value of<br/> Equity<br/> Awards<br/> Reported<br/> in the<br/> Summary<br/>  Compensation <br/> Table in the<br/> Covered Year</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Plus Fair<br/> Value of<br/> Covered<br/>  Year Equity <br/> Awards<br/> at Fiscal<br/> Year-End</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Change in <br/> Fair Value<br/> of Prior<br/> Years’<br/> Equity<br/> Awards<br/> Unvested<br/> at Fiscal<br/> Year-End</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Change in<br/> Fair Value<br/> of Prior<br/> Years’<br/> Equity<br/> Awards<br/> Vested in<br/>  the Covered <br/> Year</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Less<br/>  Fair Value <br/> of Prior<br/> Year<br/> Awards<br/> Forfeited<br/> in the<br/> Covered<br/> Year</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(d)</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Plus Fair<br/> Value of<br/>  Incremental <br/> Dividends<br/> or<br/> Earnings<br/> on Stock<br/> Awards</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">CAP</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(e)</div></div></div></td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">PEO 2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$64,971,137</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(10,831)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(58,127,029)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $71,407,266 </td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $15,664,126 </td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$(722,283)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$943,115</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $94,125,501 </td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="height:3pt;background-color:#ffffff"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff"><div style="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Non-PEO</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">NEOs 2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$12,057,413</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;background-color:#ffffff;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$(7,199,981)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$8,827,418</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$1,029,963</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$148,088</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;background-color:#ffffff;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$71,143</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$14,934,044</td></tr></table></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #023c5b"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Fair values are calculated in accordance with FASB ASC Topic 718 as of the end of the fiscal year, other than awards that vest in the covered year, which are valued as of the applicable vesting dates. There were no awards granted in each of the covered years that vested in the same year. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the total compensation amount reported in the Summary Compensation Table the year shown. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(c)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the aggregate change in pension value for all defined benefit plans. There are no service costs or prior service costs associated with pension benefits since the Cash Balance Pension Plan and the Excess Cash Balance Pension Plan are frozen. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(d)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects awards that failed to meet vesting conditions during the covered year. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(e)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the actual CAP for the PEO and average CAP for the Non-PEO NEOs. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">The calculation of CAP requires that we make adjustments to amounts previously reported in the Summary Compensation Table for the five years presented. The SEC’s valuation and calculation methods for CAP differ from those required in the Summary Compensation Table. The table below summarizes compensation values presented in the Summary Compensation Table and the adjusted values required to reconcile these values to the CAP presented above. The amounts shown below for Non-PEO NEOs represents an average of all Non-PEO NEOs. CAP to the PEO and Non-PEO NEOs represents Summary Compensation Table total compensation adjusted by the following amounts: </div></td></tr></table><div style="font-size:8pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div><div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto"> <tr> <td style="width:26%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td colspan="19" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:7pt;background-color:#023c5b"> <td colspan="19" style="padding-bottom:6pt ;vertical-align:bottom;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary Compensation Table Total to CAP Reconciliation</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(a)</div></div></div></td></tr> <tr style="font-size:1pt;background-color:#023c5b"> <td style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff; BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-TOP:3.00pt solid #ffffff;height:3pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:7pt;background-color:#023c5b"> <td style="BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom">  </td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Summary<br/>  Compensation <br/> Table Total</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(b)</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Change in<br/> Pension<br/> Value<br/>  Deduction</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(c)</div><div style="color:#ffffff;display:inline;"> </div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Less Fair<br/> Value of<br/> Equity<br/> Awards<br/> Reported<br/> in the<br/> Summary<br/>  Compensation <br/> Table in the<br/> Covered Year</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Plus Fair<br/> Value of<br/> Covered<br/>  Year Equity <br/> Awards<br/> at Fiscal<br/> Year-End</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;"> Change in <br/> Fair Value<br/> of Prior<br/> Years’<br/> Equity<br/> Awards<br/> Unvested<br/> at Fiscal<br/> Year-End</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Change in<br/> Fair Value<br/> of Prior<br/> Years’<br/> Equity<br/> Awards<br/> Vested in<br/>  the Covered <br/> Year</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Less<br/>  Fair Value <br/> of Prior<br/> Year<br/> Awards<br/> Forfeited<br/> in the<br/> Covered<br/> Year</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(d)</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">Plus Fair<br/> Value of<br/>  Incremental <br/> Dividends<br/> or<br/> Earnings<br/> on Stock<br/> Awards</div></div></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #ffffff;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="color:#ffffff;display:inline;"><div style="font-weight:bold;display:inline;"><div style="color:#ffffff;display:inline;">CAP</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:5.8px">(e)</div></div></div></td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt"> </td> <td colspan="2" style="height:3pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">PEO 2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$64,971,137</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(10,831)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;text-align:center">$(58,127,029)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $71,407,266 </td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $15,664,126 </td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$(722,283)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center">$943,115</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;text-align:center"> $94,125,501 </td></tr> <tr style="font-size:1pt;background-color:#e5ebee"> <td style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="BORDER-RIGHT:3.00pt solid #ffffff;height:3pt;background-color:#ffffff"> </td> <td colspan="2" style="height:3pt;background-color:#ffffff"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#e5ebee"> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff"><div style="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Non-PEO</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">NEOs 2025</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$12,057,413</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;background-color:#ffffff;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$(7,199,981)</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$8,827,418</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$1,029,963</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$148,088</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;white-space:nowrap;background-color:#ffffff;text-align:center">$—</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-RIGHT:3.00pt solid #ffffff; BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$71,143</td> <td style=" BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:bottom;background-color:#ffffff"> </td> <td style="padding-bottom:3pt ;BORDER-BOTTOM:1.00pt solid #023c5b;vertical-align:middle;background-color:#ffffff;text-align:center">$14,934,044</td></tr></table></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #023c5b"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Fair values are calculated in accordance with FASB ASC Topic 718 as of the end of the fiscal year, other than awards that vest in the covered year, which are valued as of the applicable vesting dates. There were no awards granted in each of the covered years that vested in the same year. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the total compensation amount reported in the Summary Compensation Table the year shown. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(c)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the aggregate change in pension value for all defined benefit plans. There are no service costs or prior service costs associated with pension benefits since the Cash Balance Pension Plan and the Excess Cash Balance Pension Plan are frozen. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(d)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects awards that failed to meet vesting conditions during the covered year. </div></td></tr></table><div style="font-size:4pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:4%;vertical-align:top;text-align:left">(e)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:justify">Reflects the actual CAP for the PEO and average CAP for the Non-PEO NEOs. </div></td></tr></table> 64971137 -10831 -58127029 71407266 15664126 -722283 943115 94125501 12057413 -7199981 8827418 1029963 148088 71143 14934044 TSR is cumulative for the measurement periods beginning on December 31, 2020, and ending on the last fiscal day in 2025, 2024, 2023, 2022, and 2021, respectively, calculated in accordance with Item 201(e) of Regulation S-K. “Peer Group” represents the S&amp;P Financial Index for each year disclosed in the table. D+TBV/Sh is a non-GAAP measure. D+TBV/Sh is calculated as the ratio, expressed as a percentage, of (i) the Company’s tangible book value per share at the end of each year, plus total common dividends per share paid during such year, to (ii) the Company’s tangible book value per share at the beginning of each corresponding year. <div style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">CAP versus Company TSR </div></div></div></div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:justify">As shown in the chart above, the PEO and other NEO’s CAP amounts are aligned with the Company’s TSR. This alignment is due to the Company’s executive compensation program being composed of primarily equity, with 83% of PEO and approximately 50% of all Non-PEO NEO’s total compensation for the 2025 performance year being comprised of equity-based compensation, similar to prior years. Including the Discover-Related Special Awards, 90% of PEO compensation and an average of 60% of all Non-PEO NEO’s total compensation was <div style="white-space:nowrap;display:inline;">equity-based.</div> In addition, a portion of PEO compensation is directly linked to the Company’s TSR and vests entirely on the Company’s TSR performance relative to the Performance Share Peers over a three-year period. </div> <div style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">CAP versus Net Income </div></div></div></div><div style="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:justify">As shown in the chart above, the Company’s net income has varied over the measurement period. While net income has increased and decreased directionally with PEO and other NEO CAP for certain years in the performance period, the changes are not proportionally correlated with CAP. This is due in large part to the significant portion of PEO and other NEO compensation that is equity-based, as well as the significant volatility of net income over the measurement period, including volatility resulting from (i) the pandemic and post-pandemic periods of economic change and uncertainty, and (ii) the effects of certain adjusting items associated with the Discover Transaction. In addition, while net income is one of several factors used to assess Company performance, the Company does not use net income as a primary metric to determine compensation levels or incentive plan payout. </div> <div style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">CAP versus D+TBV/Sh </div></div></div></div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:justify">As shown in the chart above, the PEO and other NEOs’ CAP amounts are directionally aligned with the Company selected measure of D+TBV/Sh. This alignment is partially due to a large portion of PEO and other NEO compensation being comprised of Financial Performance Shares (as described on page 79). For the 2025 performance year, 55% of PEO total compensation and an average of 27% of other NEO total compensation was granted in the form of Financial Performance Shares, similar to prior years. Including the Discover-Related Special Awards, 32% of PEO total compensation and an average of 17% of other NEO total compensation was granted in the form of Financial Performance Shares. The Company’s D+TBV/Sh for 2025 was negatively affected by the issuance of shares as merger consideration in the Discover Transaction. For Financial Performance Shares taken into consideration in the calculation of CAP, two-thirds of the payout of each Financial Performance Share upon vesting is based on D+TBV/Sh for the years covered in the chart above. </div> <div style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Company TSR versus Peer Group TSR </div></div></div></div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:justify">As shown in the chart above, the TSR peer group is based on the S&amp;P Financial Index, which reflects the Company’s industry sector. The Company’s cumulative TSR was above that of the S&amp;P Financial Index during the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:justify">period covered by the table above. The financial services industry faced volatility over the measured period including the post-pandemic economic uncertainty, substantial changes to interest rates, regional bank failures and the resulting bank funding stress, and general economic and regulatory uncertainty. Strong capital and liquidity, the strength of our credit performance relative to peers, and investor confidence in our results and our future buoyed our stock price and total shareholder return over the period measured in the chart. </div> <div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;">D+TBV/Sh </div></div></div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:8%"> </td> <td style="width:3%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman; font-size:8pt;color:#023c5b;display:inline;">∎</div></td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:justify">D+TBV/Sh rewards strong operational results, balanced stewardship of capital, and long-term stockholder value creation by measuring the value distributed to stockholders (common dividends per share) and the growth of company value created for common stockholders (tangible book value per common share). </div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:8%"> </td> <td style="width:3%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman; font-size:8pt;color:#023c5b;display:inline;">∎</div></td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:justify">D+TBV/Sh is calculated as the average of the ratios, expressed as a percentage, of (i) the Company’s tangible book value per common share at the end of each year within the performance period, plus total common dividends per share paid during such year, to (ii) the Company’s tangible book value per common share at the beginning of each corresponding year within the performance period. </div></td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;">PSU Adjusted ROTCE </div></div></div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:8%"> </td> <td style="width:3%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman; font-size:8pt;color:#023c5b;display:inline;">∎</div></td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:justify">PSU Adjusted ROTCE rewards balanced capital management and stewardship while capturing current and historical business performance and profitability as compared to the size of our stockholders’ investment in the Company. ROTCE is broadly used in banking as a key performance indicator and component in peer executive compensation programs. </div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:8%"> </td> <td style="width:3%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman; font-size:8pt;color:#023c5b;display:inline;">∎</div></td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:justify">PSU Adjusted ROTCE is calculated as the ratio, expressed as a percentage, of (i) the Company’s net income available to common stockholders, excluding, on a tax-adjusted basis, the impact of impairment, amortization and re-measurement of intangible assets, to (ii) the Company’s average tangible common equity. </div></td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="color:#023c5b;display:inline;"><div style="font-weight:bold;display:inline;">Net Revenue </div></div></div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:8%"> </td> <td style="width:3%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman; font-size:8pt;color:#023c5b;display:inline;">∎</div></td> <td style="width:1%;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:justify">Net revenue, and the growth of net revenue, reflects the Company’s ability to grow new customer relationships, deepen existing relationships, manage margins, and expand into new businesses and areas of focus and market opportunity. Net revenue serves as the key driver for long-term earnings power and requires delivery of compelling products and experiences as well as a sustainable, <div style="white-space:nowrap;display:inline;">through-cycle</div> business model and pricing strategy. </div></td></tr></table> D+TBV/Sh PSU Adjusted ROTCE Net Revenue