Estimated loan subs and prepayments (Note) • Estimate for loan substitutions and prepayments increased to ~5.81% of total loans (loans sold to other banks) driven primarily by a weaker macroeconomic outlook and conservative loss provisioning. • Collectively, a record $528M in on-balance sheet allowance and reserves for estimated substitutions and prepays. Actual loan substitutions and prepay reserves as % of Outstanding Balances 3.79% 2.94% 2.95% 1.83% 2.68% 3.25%2.72% 2.47% 2.87% 2.51% 2.12% 2.52% 0.25% 0. ...