|                                                                                   | Year Ended December 31,                                                                                                                 |
|----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                   |  2010                                                                                                                              |  2009 |  2008 |  2007 |  2006 |
| Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (Including Deposits): |                                                                                                                                    |   |   |   |   |
| Earnings:                                                                              |                                                                                                                                    |   |   |   |   |
|    Income before income taxes                                           | $70,250                                                                                                                                 | $40,275 | $42,187 | $35,691 | $47,644 |
|    Add:  Fixed charges, net                                   |                  80,746                            | 99,027 | 112,434 | 112,254 | 93,812 |
| Income before income taxes and fixed charges, net                                      |                150,996                                       | 139,302 | 154,621 | 147,945 | 141,456 |
| Fixed charges                                                                          |                                                                                                                                    |   |   |   |   |
|    Interest expense                                                     |                  79,413                            |                   97,685 | 111,302 | 111,147 | 93,340 |
|    Estimate of interest (1/3) within rental expense                     |                       656 | 787 | 652 | 598 | 472 |
|    Interest on unrecognized tax benefits                                |                       677 | 555 | 480 | 509 | -   |
| Total fixed charges                                                                    |                  80,746                            | 99,027 | 112,434 | 112,254 | 93,812 |
| Ratio of Earnings to Fixed Charges                                                     |                      1.87      | 1.41 | 1.38 | 1.32 | 1.51 |
|                                                                                   |                                                                                                                                    |   |   |   |   |
| Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (Excluding Deposits): |                                                                                                                                    |   |   |   |   |
| Earnings:                                                                              |                                                                                                                                    |   |   |   |   |
|    Income before income taxes                                           | $70,250                                                                                                                                 | $40,275 | $42,187 | $35,691 | $47,644 |
|    Add:  Fixed charges, net                                   |                  31,324                            | 56,235 | 52,456 | 36,493 | 37,153 |
| Income before income taxes and fixed charges, net                                      |                101,574                                       | 96,510 | 94,643 | 72,184 | 84,797 |
| Fixed charges                                                                          |                                                                                                                                    |   |   |   |   |
|    Interest expense (excluding deposits)                                |                  29,991                            | 54,893 | 51,324 | 35,386 | 36,681 |
|    Estimate of interest (1/3) within rental expense                     |                       656 | 787 | 652 | 598 | 472 |
|    Interest on unrecognized tax benefits                                |                       677 | 555 | 480 | 509 | -   |
| Total fixed charges                                                                    |                  31,324                            | 56,235 | 52,456 | 36,493 | 37,153 |
| Ratio of Earnings to Fixed Charges                                                     |                      3.24      | 1.72 | 1.80 | 1.98 | 2.28 |