Our Plate Is Full. We Have A

Finance Went From Being A Small Business, Effectively, To Being A Big Business. In Part, That's The Growth Of The World's Wealth. That's Called Savings.

The Transaction Reflects Our Disciplined Strategy Of Investing Capital In Core Businesses Where We Can Leverage Scale And Expertise For Competitive Advantage. In Addition To Being A Great Strategic Fit, The Deal Is Compelling Financially.

A Bank Is A Relationship. I Can't Desert You And Expect To Have A Strong Relationship Afterward. If I Told Someone, "i Know You've Been Buying Milk From Me And You Need Milk To Survive. But The Price Is No Longer $2 A Gallon. It's Going To Be $40 A Gallon. I'm Going To Bankrupt You." What Do You Guys Think Of Me? You Would Hate Us.

When You Walk Into A Store And You Want To Buy Something, You Give Them Cash And They Sell It To You. But Very Often, You Walk Into Our "store" And You Want Something - A Credit Card, Maybe, Or A Loan - And Very Often The Answer Is "no," Even If You're A Large Corporation.

The Term "too Big To Fail" Must Be Excised From Our Vocabulary.