|                                                    | Three Months Ended                                                                                                                 |
|---------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------|
|                                                    | March 31, 2010                                                                                                                     |   | March 31, 2009 |
| Ratio of Earnings to Fixed Charges (Including Deposits) |                                                                                                                               |   |   |
| Earnings:                                               |                                                                                                                               |   |   |
|    Income before income taxes            | $16,137                                                                                                                            |   | $3,846 |
|    Add:  Fixed charges, net    | 21,647                                                                                                                             |   | 28,912 |
| Income before income taxes and fixed charges, net       | 37,784                                                                                                                             |   | 32,758 |
| Fixed charges                                           |                                                                                                                               |   |   |
|    Interest expense                      | $20,815                                                                                                                            |   | 28,254 |
|    One-third of rental expense           | 248                                                                                                                                |   | 182 |
|    Interest on unrecognized tax benefits | 584                                                                                                                                |   | 476 |
| Total fixed charges                                     | 21,647                                                                                                                             |   | 28,912 |
| Ratio of Earnings to Fixed Charges                      |                      1.75 |   |                 1.13 |

----

|                                                    |                                                                                                         |   |   |
|---------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------|--------|
| Ratio of Earnings to Fixed Charges (Excluding Deposits) |                                                                                                         |   |   |
| Earnings:                                               |                                                                                                         |   |   |
|    Income before income taxes            | $16,137                                                                                                      |   | $3,846 |
|    Add:  Fixed charges, net    | 14,054                                                                                                       |   | 14,700 |
| Income before income taxes and fixed charges, net       | 30,191                                                                                                       |   | 18,546 |
| Fixed charges                                           |                                                                                                         |   |   |
|    Interest expense (excluding deposits) |                  13,222 |   | 14,042 |
|    One-third of rental expense           | 248                                                                                                          |   | 182    |
|    Interest on unrecognized tax benefits | 584                                                                                                          |   | 476    |
| Total fixed charges                                     | 14,054                                                                                                       |   | 14,700 |
| Ratio of Earnings to Fixed Charges                      | 2.15                                                                                                         |   | 1.26   |