|                                                    |   | Three Months Ended |   |   | Six Months Ended |   |
|---------------------------------------------------------|--------|--------------------|--------|--------|------------------|--------|
|                                                    |   | June 30, 2010      |   |   | June 30, 2009    |   |   | June 30, 2010 |   |   | June 30, 2009 |   |
| Ratio of Earnings to Fixed Charges (Including Deposits) |   |               |   |   |             |   |   |
| Earnings:                                               |   |               |   |   |             |   |   |   |   |   |   |   |
|    Income before income taxes            |   | $                  | 16,037 |   |             | $      | 10,569 |   |   | $ | 32,175 |   |   | $ | 14,416 |   |
|    Add:  Fixed charges, net    |   |               | 21,990 |   |             |   | 26,102 |   |   |   | 43,061 |   |   |   | 54,538 |   |
| Income before income taxes and fixed charges, net       |   |               | 38,027 |   |             |   | 36,671 |   |   |   | 75,236 |   |   |   | 68,954 |   |
| Fixed charges                                           |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
|    Interest expense                      |   | $                  | 20,968 |   |             |   | 25,431 |   |   | $ | 41,784 |   |   | $ | 53,685 |   |
|    One-third of rental expense           |   |               | 408    |   |             |   | 174 |   |   |   | 663 |   |   |   | 356 |   |
|    Interest on unrecognized tax benefits |   |               | 614    |   |             |   | 497 |   |   |   | 614 |   |   |   | 497 |   |
| Total fixed charges                                     |   |               | 21,990 |   |             |   | 26,102 |   |   |   | 43,061 |   |   |   | 54,538 |   |
| Ratio of Earnings to Fixed Charges                      |   |               | 1.73   |   |             |   | 1.40 |   |   |   | 1.75 |   |   |   | 1.26 |   |
|                                                    |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of Earnings to Fixed Charges (Excluding Deposits) |   |               |   |   |             |   |   |   |   |   |   |   |   |
| Earnings:                                               |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
|    Income before income taxes            |   | $                  | 16,037 |   |             | $      | 10,569 |   |   | $ | 32,175 |   |   | $ | 14,416 |   |
|    Add:  Fixed charges, net    |   |               | 13,980 |   |             |   | 14,384 |   |   |   | 27,458 |   |   |   | 28,608 |   |
| Income before income taxes and fixed charges, net       |   |               | 30,017 |   |             |   | 24,953 |   |   |   | 59,633 |   |   |   | 43,024 |   |
| Fixed charges                                           |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
|    Interest expense (excluding deposits) |   |               | 12,958 |   |             |   | 13,713 |   |   |   | 26,181 |   |   |   | 27,755 |   |
|    One-third of rental expense           |   |               | 408    |   |             |   | 174 |   |   |   | 663 |   |   |   | 356 |   |
|    Interest on unrecognized tax benefits |   |               | 614    |   |             |   | 497 |   |   |   | 614 |   |   |   | 497 |   |
| Total fixed charges                                     |   |               | 13,980 |   |             |   | 14,384 |   |   |   | 27,458 |   |   |   | 28,608 |   |
| Ratio of Earnings to Fixed Charges                      |   |               | 2.15   |   |             |   | 1.73 |   |   |   | 2.17 |   |   |   | 1.50 |   |

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