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..\..\Logo\OCC-Signature.png Form ID: CC6026-02 (rev. May 2016 v1) Form ID: CC 60 26-03 (revision January 2015) OCC Confidential Financial Disclosure Report of

OCC CONFIDENTIAL FINANCIAL DISCLOSURE REPORT

for Covered Contractors of the Office of the Comptroller of the Currency

OCC CONFIDENTIAL FINANCIAL DISCLOSURE REPORT

for Covered Employees of the Office of the Comptroller of the Currency Contractor Information:

*All Form Fields are Required All form fields are required Part 1: Loans from National Banks or Federal Savings Associations A. Loans from National Banks or Federal Savings Associations A.1. Do you have one or more loans that are held by a national bank, a federal savings association, or a subsidiary of a national bank or a federal savings association? (Include loans issued jointly to you and any other person.) Report only those loans of which a national bank or a federal savings association or a subsidiary of a national bank or a federal savings association is the owner or owner/servicer of the note, as distinguished from loans for which the bank or savings association is only the servicer. Do not report loans that are only serviced - but not owned - by a national bank or a federal savings association or one of their subsidiaries.

Part 1. A.1. Question cannot be left blank.

Name of Original Lender (if applicable) Complete Name of Current Lender Main Office Address (City/State) Date Originated Previously Reported B. Spouse and Minor Child Loans and Extensions of Credit (Note: Loans that are solely the obligation of a contractor's spouse or minor child do not require the contractor to be recused from the issuing bank or savings association, unless an OCC ethics official determines a recusal is necessary to avoid any appearance of a conflict of interest.)

(Note: Loans that are solely the obligation of an employee's spouse or minor child do not require the employee to be recused from the issuing bank or savings association, unless an OCC ethics official determines a recusal is necessary to avoid any appearance of a conflict of interest.)

B.1. Does your spouse or minor child have one or more loans or other extensions of credit from a national bank or a federal savings association or from a subsidiary of a national bank or a federal savings association (excluding credit cards and loans reported under Part 1, A. or B. above)?

Part 1. B.1. Question cannot be left blank.

Complete Name of Bank or Savings Association Main Office Address (City/State) Type of Credit (car loan, etc.)

Loans Only: Date Originated Amount Maturity Date B.2. Does each of your spouse's or minor child's loans meet ALL of the following requirements:

A. The loan is made on terms and conditions no more favorable than those offered to the general public;

B. You did not participate in the negotiation of the loan and you are not a party to the loan instrument as co-maker, endorser or guarantor; AND C. The loan is supported solely by your spouse's or minor child 's own income or means?

Part 1. B.2.

If Yes, no recusal is necessary, but you should advise your OCC contact before undertaking any examination or other action regarding a bank or a savings association where your spouse or minor child has a loan, so that you can avoid reviewing or taking any other specific action regarding that loan.

If No, list below the lender name and type of credit for any item that does not meet all three requirements. You will be recused from that bank or savings association.

Complete Name of Bank or Savings Association (from B.1. above) Type of Credit (student loan, car loan, etc.)

C. Extensions of Credit from Affiliates of a National Bank or Federal Savings Association (Note: The term "affiliate" does not include subsidiaries of national banks or federal savings associations. See HELP for definition of "affiliate." OCC ethics rules do not prohibit a contractor from having a loan from an affiliate. An OCC ethics official, however, may determine that an affiliate loan creates a real or apparent conflict with the performance of an contractor's job duties.)

(Note: The term "affiliate" does not include subsidiaries of national banks or federal savings associations. See HELP for definition of "affiliate." OCC ethics rules do not prohibit an examiner from having a loan from an affiliate. An OCC ethics official, however, may determine that an affiliate loan creates a real or apparent conflict with the performance of an examiner's job duties.)

C.1. Are you or your spouse or minor child indebted to an affiliate of any national bank or federal savings association in amounts aggregating more than $25,000 (not including credit cards and loans secured by your primary residence, e.g., first mortgage or home equity loans)?

D.1. Are you or your spouse or minor child indebted to an affiliate of any national bank or federal savings association in amounts aggregating more than 25,000 dollars (not including credit cards and loans secured by your primary residence, E. G., first mortgage or home equity loans)?

Part 1. C.1. Question cannot be left blank.

Borrower and Relationship to You Complete Name of Lender and Affiliate Main Office Address (City/State) Type of Credit (car loan, etc.)

Date Originated Observing a Recusal?

C.2. Has an OCC ethics official determined that the retention of any affiliate loan creates a conflict of interest with the effective performance of your duties or that you should be recused from the affiliated bank or savings association?

Part 1. D.2.

Part 2: Financial Interests in Banks or Savings Associations A. Ownership of Securities in Banks or Savings Associations A.1. Do you or your spouse or minor child directly or indirectly own securities (including stocks or bonds in IRAs and 401Ks) in any commercial bank (national or state-chartered) or savings association (federal or state-chartered) or in any affiliate of a commercial bank or savings association (including a bank holding company)?

Part 2. A.1. Question cannot be left blank.

Owner, and if not Filer, Relationship to Filer Complete Name of Bank, Savings Association, or Affiliate Main Office Address (City/State) Nature and Quantity of Financial Interest Initial Date and Manner of Acquisition (gift, etc.)

Approx. Current Market Value B. Financial Services Sector or Banking Sector Mutual Funds B.1. Do you, your spouse, or minor children have an investment in a mutual fund or other collective investment fund or in a widely held pension or similar fund that has a stated policy of concentrating in the financial services sector or in the banking sector?

Part 2. B.1. Question cannot be left blank.

Fund Name (and Ticker symbol if applicable) Number of Shares Approx. Current Market Value Date Acquired Manner of Acquisition (purchase, gift, etc.)

C. Pension, Retirement or Other Interests Resulting from an OCC Contractor or Spouse Working at a Bank or a Savings Association C. Pension, Retirement or Other Interests Resulting from an OCC Employee or Spouse Working at a Bank or a Savings Association (Note: When an OCC contractor or the contractor's spouse participates in a pension or retirement plan from a bank or a savings association or from an affiliate of a bank or savings association (usually as a result of prior or current employment), a recusal is ordinarily required. Consult your OCC ethics official about the scope of the recusal.)

(Note: When an OCC employee or the employee's spouse participates in a pension or retirement plan from a bank or a savings association or from an affiliate of a bank or savings association (usually as a result of prior or current employment), a recusal is ordinarily required. Consult your OCC ethics official about the scope of the recusal.)

C.1. Do you or your spouse have any of the following arrangements with or continuing financial interests in a bank or a savings association or in an affiliate of a bank or a savings association (including a bank holding company) where you or your spouse have worked or plan to work in the future: a pension or retirement plan, including a defined benefit plan or defined contribution plan; an agreement or arrangement for future employment; a leave of absence; or a continuation of payment from a former employer?

Part 2. C.1. Question cannot be left blank.

Complete Name of Bank or Savings Association Main Office Address (City/State) Nature of Arrangement or Financial Interest Date Acquired C.2. Has an OCC ethics official made a determination concerning this arrangement or financial interest? (If there are multiple arrangements or financial interests with different responses, select Yes and provide details in the space provided).

Part 2. C.2.

Part 3: Employment of Contractor or Family Members The term "family member" includes a covered contractor's spouse, father, mother, brother, sister, child, stepchild, grandparent, and grandchild; the father, mother, brother, sister, and grandparent of the contractor's spouse; the spouse of the contractor's father, mother, brother, sister, grandparent, child, step-child, and grandchild, and any other member of the contractor's household.

(Note: A covered contractor generally must be recused from matters related to a national bank or a federal savings association or an affiliate where a family member of the contractor works or serves in some other capacity, unless an exception is granted by an OCC ethics official. Covered contractors may also be recused on the basis of their own prior bank-related employment. An OCC ethics official may limit recusals or extend them to other affiliated or non-affiliated companies.)

(Note: A covered employee generally must be recused from matters related to a national bank or a federal savings association or an affiliate where a family member of the employee works or serves in some other capacity, unless an exception is granted by an OCC ethics official. Covered employees may also be recused on the basis of their own prior bank-related employment, especially if that employment occurred in the years immediately prior to their joining the OCC. An OCC ethics official may limit recusals or extend them to other affiliated or non-affiliated companies.)

1. During the past five years, have you served in any capacity with a commercial bank (national or state-chartered) or a savings association (federal or state-chartered) or an affiliate of a bank or savings association? Or do any of your family members currently serve in any capacity with one of these institutions?

Part 3. Q1. Question cannot be left blank.

Name of Person Relationship to You Complete Name of Bank or Savings Association Main Office Address (City/State) Position and Work Location Dates of Employment

2. Has an OCC ethics official determined that a recusal is warranted because of any of these relationships?

Part 3. Q2.

Part 4: Outside Employment or Business Activity (Note: Except as provided in this note, OCC contractors are required to notify their OCC contact of all compensated or non-compensated outside employment or other business activity that they will be engaged in during the period when they are working with the OCC. The term "business activity" includes services performed with or without compensation for a corporation, company, firm, partnership or other business enterprise, nonprofit organization, or educational or other institution as an employee, owner, director, member, trustee, partner, advisor, or consultant. The term does not include uncompensated nonbusiness-related activities, such as membership or other participation in a nonprofit organization that does not involve making business decisions about that organization. Furthermore, unless there is a conflict or the appearance of a conflict of interest, contractors do not have to report any positions with religious, social, fraternal or political entities or those solely of an honorary nature.

(Note: Except as provided in this note, contractors are required to notify their OCC contacts of all compensated or non-compensated outside employment or other business activity. The term "business activity" includes services performed with or without compensation for a corporation, company, firm, partnership or other business enterprise, nonprofit organization, or educational or other institution as an employee, owner, director, member, trustee, partner, advisor, or consultant. The term does not include uncompensated nonbusiness-related activities, such as membership or other participation in a nonprofit organization that does not involve making business decisions about that organization. Furthermore, unless there is a conflict or the appearance of a conflict of interest, employees do not have to report any positions with religious, social, fraternal or political entities or those solely of an honorary nature. See "Outside Employment" on the Ethics page on the OCC net for a further discussion of outside employment with examples.

Since outside employment or business activities could raise the potential for an Organization Conflict of Interest (OCI), contratctors must obtain prior written approval from their OCC contact and the concurrence of an OCC ethics official before engaging in compensated or non-compensated outside employment or business activity that could create a conflict of interest with the performance of the contractor's duties or could result in the appearance of a conflict of interest or the unauthorized disclosure of non-public information.)

Contractors must obtain prior written approval from their OCC contact and the concurrence of an OCC ethics official before engaging in compensated or non-compensated outside employment or business activity that could create a conflict of interest with the performance of the employee's duties or could result in the appearance of a conflict of interest or the unauthorized disclosure of non-public information.)

1. Are you employed (apart from your OCC contract work) in any compensated or non-compensated outside (non-OCC) employment or business activity?

Part 4. Q2.

Name of Organization Organization Address (City/State) Your Position with Organization Dates of Employment

2. Have you notified your OCC contact of your outside employment or business activity?

Part 4. Q3.

3. Has a written determination been made by your OCC contact and/or OCC ethics official concerning your participation in any of these activities?

Part 4. Q4.

Part 5: Bankruptcy, Loan Default, or Debt Restructuring A. Bankruptcy A.1. Did you file for bankruptcy during the past three years?

Part 5. A.1. Question cannot be left blank.

A.2. Provide the date and current status of the bankruptcy.

Bankruptcy Date Bankruptcy Status A.3. Have you notified your OCC contact? (If there are multiple bankruptcy filings with different responses, select No and provide details in the Comments or Additional Entries section in Part 7. Start your response with "5.A.3").

Part 5. A.3.

A.4. Was any debt owed to a national bank or a federal savings association discharged during the bankruptcy?

Part 5. A.4.

A.5. Provide the name and main office address of the bank or savings association.

Name of Lender Main Office Address (City/State) B. Defaulted Loan B.1. Did you have any loan or loans (including all extensions of credit in any form from any creditor, including commercial or consumer loans, auto loans, loans obtained from retailers or merchants, mortgages and credit cards) where interest and/or principal payments exceeded their due dates by more than 90 days during the past three years (and that have not been subsequently fully repaid)?

Part 5. B.1. Question cannot be left blank.

B.2. Provide the name and address of the lender and the current status of the loan.

Name of Lender Main Office Address (City/State) Loan Status B.3. Have you notified your OCC contact? (If there are multiple defaulted loans with different responses, select No and provide details in the Comments or Additional Entries section in Part 7. Start your response with "5.B.3").

Part 5. B.3.

C. Debt Restructuring C.1. Did you engage in a debt restructuring transaction involving a national bank or a federal savings association, including a short sale (where the bank or savings association agreed to discount your loan balance) of your residential real property, during the past three years?

Part 5. C.1. Question cannot be left blank.

C.2. Do you owe a national bank or a federal savings association any unpaid amount or outstanding balance under the original terms of a loan that was the subject of a debt restructuring transaction?

Part 5. C.2. Question cannot be left blank.

C.3. Provide the name and address of the bank or savings association office you dealt with and the date of the restructuring.

Name of Bank or Savings Association Main Office Address (City/State) Restructuring Date Part 6: Contractor Purchases of Bank Owned Real Property (e.g. foreclosures) and Short Sales A. Purchase of Real Property A.1. Did you purchase real estate from a national bank or a federal savings association or from an affiliate of a national bank or a federal savings association during the past three years?

Part 6. A.1. Question cannot be left blank.

A.2. Provide the name and main office address of the bank or savings association or affiliate, the date of purchase, and the type of property.

Name of Bank or Savings Association Main Office Address (City/State) Date Purchased Type of Property B. Short Sales B.1. Did you purchase property during the past one year in a “short sale” transaction (where the lender agreed to discount the seller's loan balance) involving a national bank or a federal savings association or an affiliate of a national bank or a federal savings association?

Part 6. B.1. Question cannot be left blank.

B.2. Provide the name and main office address of the bank or savings association or affiliate, the date of purchase, and the type of property.

Name of Bank or Savings Association Main Office Address (City/State) Date Purchased Type of Property Part 7: Other Conflicts of Interest or Appearances of a Loss of Impartiality List other conflicts or appearances of a loss of impartiality or recusals not otherwise listed on this report, e.g. appearances of a loss of impartiality related to personal friendships or bank or savings association employment by a relative (uncle, cousin, etc.) not reported under Employment of Contractor or Family Members. Include financial interests (e.g., bank securities) of your household members (e.g., minor children of spouse from your spouse's prior marriage), which you have not reported elsewhere. Also, contractors should list names of entities supervised by the OCC that the contractor interviewed with, or received an offer from, within the last 6 months.

List other conflicts or appearances of a loss of impartiality or recusals not otherwise listed on this report, e. g. appearances of a loss of impartiality related to personal friendships or bank or savings association employment by a relative (uncle, cousin, etcetera) not reported under Employment of Employee or Family Members. Include financial interests (e. g., bank securities) of your household members (e. g., minor children of spouse from your spouse's prior marriage), which you have not reported elsewhere. Also, new employees should list names of entities supervised by the OCC that the employee interviewed with, or received an offer from, within the last 6 months.

Also, contractors assigned to non-bank affiliated Technology Service Providers (TSPs) and other service providers examined by the OCC (e.g., First Data Corporation, VISA, Jack Henry, Fiserv) should list family employment and the contractor’s (or a contractor's spouse or minor child’s) security ownership interests in those entities and observe the appropriate recusal.

Also, employees assigned to examine non-bank affiliated Technology Service Providers (T S Ps) and other service providers examined by the OCC (e. g., First Data Corporation, Visa, Jack Henry, Fiserv) should list family employment and the employee’s (or an employee's spouse or minor child’s) security ownership interests in those entities and observe the appropriate recusal.

In the space below, list any other financial interests, relationships, or other circumstances that you believe could create a conflict of interest or the appearance of a conflict with the performance of your OCC duties.

In the space below, list any other financial interests, relationships, or other circumstances that you believe could create a conflict of interest or the appearance of a conflict with the performance of your OCC duties.

Complete Name of Bank, Savings Association or Company Main Office Address (City/State) Nature of Conflict Check if Observing a Recusal Comments or Additional Entries Part 8: Attestation and Recusal By signing this financial disclosure report, I acknowledge that I am committed to observing the recusals listed immediately below, except to the extent that these recusals have been amended, modified, or supplemented in writing by an OCC ethics official. In addition, I attest that any national bank or federal savings association credit card held by myself (or by my spouse or minor children, if applicable) was sought and obtained on terms and conditions no more favorable than those offered to the general public.

By signing this financial disclosure report, I acknowledge that I am committed to observing the recusals listed immediately below, except to the extent that these recusals have been amended, modified, or supplemented in writing by an OCC ethics official. In addition, if I am subject to the prohibition on borrowing from national banks and federal savings associations, I attest that any national bank or federal savings association credit card held by myself (or by my spouse or minor children, if applicable) was sought and obtained on terms and conditions no more favorable than those offered to the general public.

Part 1: Unless otherwise advised by my ethics official, I will observe a recusal from any national bank or federal savings association to which I am indebted on a loan referenced in Part 1 or from the subsidiary or department that holds a loan referenced in Part 1, I will also observe a recusal with respect to the national bank or federal savings association holding a loan of my spouse or minor child referenced in Part 1B that remains my obligation under these rules. If I am assigned to a bank or a savings association from which I hold a credit card, I will inform my OCC contact and ethics official prior to the examination if a significant issue exists with respect to my credit card debt, e.g., payments not current, involved in a billing dispute, or negotiating with the bank concerning restructuring the debt.

Part 1: Unless otherwise advised by my ethics official, I will observe a recusal from specific party matters affecting any national bank or federal savings association to which I am indebted on a loan referenced in Part 1 or from the subsidiary or department that holds a loan referenced in Part 1, if I am paying down an existing balance on a loan that was taken out prior to my OCC employment or a loan that became a national bank or a federal savings association loan through no action of mine (e. g., through sale of the loan) after I took the loan out with another lender. I will also observe a recusal with respect to the national bank or federal savings association holding a loan of my spouse or minor child referenced in Part 1C that remains my obligation under these rules. If I am an examiner assigned to examine a bank or a savings association from which I hold a credit card, I will inform my OCC contact and ethics official prior to the examination if a significant issue exists with respect to my credit card debt, e. g., payments not current, involved in a billing dispute, or negotiating with the bank concerning restructuring the debt.

Part 2A: I consider myself recused from any bank or savings association referenced in Part 2A as well as any affiliates (including holding company) of that bank or savings association.

Part 2A: I consider myself recused from specific party matters affecting any bank or savings association referenced in Part 2A as well as any affiliates (including holding company) of that bank or savings association. If the value of my securities in any one such institution exceeds 25,000 dollars or if the aggregate value of my securities in all such institutions exceeds 50,000, dollars I will observe an expanded recusal that would generally preclude me from participating in the development of banking industry policies, bank regulations, bank legislation, and similar matters that affect any class of institutions of which the institution is a member (unless advised otherwise in writing by an OCC ethics official).

Part 2B: I consider myself recused from any bank or savings association whose stock is held by a mutual fund listed in Part 2B, unless otherwise advised in writing by an OCC ethics official.

Part 2B: I consider myself recused from specific party matters affecting any bank or savings association whose stock is held by a mutual fund listed in Part 2B, unless otherwise advised in writing by an OCC ethics official.

Part 2C: I consider myself recused from any company and its affiliates which sponsor a defined benefit plan referenced in Part 2C.

Part 3: I consider myself recused from the bank or savings association or affiliate where a family member listed in Part 3 is employed or serves in some other capacity and will observe any recusal imposed by an OCC ethics official for my own prior work at a bank or a savings association or an affiliate of a bank or a savings association.

Part 3: I consider myself recused from the bank or savings association or affiliate where a family member listed in Part 3 is employed or serves in some other capacity and will observe any recusal imposed by an OCC ethics official for my own prior work at a bank or a savings association or an affiliate of a bank or a savings association.

Parts 5, 6 & 7: I will observe any recusals listed in Parts 5, 6 and 7.

Finally, I will observe any other recusals specified by an OCC ethics official.

Finally, I will observe any other recusals specified by an OCC ethics official.

Certification Recusal List This recusal list was automatically generated based on information you entered on your financial disclosure report about certain interests in banks or thrifts. This is intended as an aid to you, but please be aware that this may not show all the recusals you must observe. Nonetheless, you must recuse yourself from any matter that affects the financial interests of you, your spouse, your minor children, or of any organization in which you are serving as an officer, director, trustee, general partner or employee or with whom you are negotiating for or have an arrangement for employment. Your ethics official may provide additional guidance based on the information you disclosed in your report. Please do not hesitate to contact your OCC contact if you have any questions about the recusals you must observe. If you have any updates to this recusal list, please notify your OCC contact.

List of Recusals:

Recused Entity Financial Interest/Issue Scope (TBD by Ethics Official) Ethics Official Digital Signature If you experience difficulty signing this document, click for tips on applying digital signatures:

Confidentiality The OCC Financial Disclosure Report is confidential and is generally not subject to disclosure because it contains sensitive commercial and financial information, as well as personal privacy-protected information. This report and the information that it contains is, accordingly, exempt from being released to the public, under exemptions 3(a) and (b), 4 and 6 of the Freedom of Information Act (FOIA). Additional FOIA exemptions may apply to particular reports. Agency personnel shall not publicly release the OCC Financial Disclosure Reports or the information they contain, unless authorized by law. See discussion of authorized disclosures under Privacy Act notice below.

The same confidentiality applies to the OCC Financial Disclosure Report as applies to the O G E 4 50. Thus, the OCC Financial Disclosure Report is confidential and is generally not subject to disclosure because it contains sensitive commercial and financial information, as well as personal privacy-protected information. This report and the information that it contains is, accordingly, exempt from being released to the public, under exemptions 3(A) and (B), 4 and 6 of the Freedom of Information Act (FOIA). Additional FOIA exemptions may apply to particular reports. Agency personnel shall not publicly release the OCC Financial Disclosure Reports or the information they contain, unless authorized by law. See discussion of authorized disclosures under Privacy Act notice below.

9.0.0.2.20120627.2.874785 OCC Financial Disclosure Form