Sovereign Bancorp, Inc. 2005 Annual Meeting of Shareholders Thursday, April 21, 2005 Reading, PA

Sovereign Bancorp, Inc.2005 Annual Meeting of Shareholders

Thursday, April 21, 2005Reading, PA

2003 Proprietary and Confidential

Forward Looking StatementThis presentation contains statements of Sovereigns vision, mission, strategies, goals, beliefs, plans, objectives, expectations, anticipations, estimates, intentions, financial condition, results of operation, estimates of future operating results for Sovereign Bancorp, Inc. as well as estimates of financial condition, operating efficiencies, revenue creation and shareholder value.These statements and estimates constitute forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995) which involve significant risks and uncertainties. Actual results may differ materially from the results discussed in these forward-looking statements.Factors that might cause such a difference include, but are not limited to: general economic conditions; changes in interest rates; inflation; deposit flows; loan demand; real estate values; competition; changes in accounting principles, policies, or guidelines; integration of acquired assets, liabilities, customers, systems and management personnel into Sovereigns operations and the ability to realize the related revenue synergies and cost savings within expected time frames; possibility that expected merger-related charges are materially greater than forecasted or that final purchase price allocations based on fair value of the acquired assets and liabilities at acquisition date and related adjustments to yield and/or amortization of the acquired assets and liabilities are materially different from those forecasted; deposit attrition, customer loss, revenue loss and business disruption following Sovereigns acquisitions, including adverse effects on relationships with employees may be greater than expected; anticipated acquisitions may not close on the expected closing date or it may not close; the conditions to closing anticipated acquisitions, including stockholder and regulatory approvals, may not be satisfied; Sovereigns timely development of competitive new products and services in a changing environment and the acceptance of such products and services by customers; the willingness of customers to substitute competitors products and services and vice versa; the ability of Sovereign and its third party processing and related systems on a timely and acceptable basis and within projected cost estimates; the impact of changes in financial services policies, laws and regulations, including laws, regulations, policies and practices concerning taxes, banking, capital, liquidity, proper accounting treatment, securities and insurance, and the application thereof by regulatory bodies and the impact of changes in and interpretation of generally accepted accounting principles: technological changes; changes in consumer spending and saving habits; unanticipated regulatory or judicial proceedings; changes in asset quality; employee retention; reserve adequacy; changes in legislation or regulation or policy or the application thereof; and other economic, competitive, governmental, regulatory, and technological factors affecting the Companys operations, pricing, products and services.


Non-GAAP Financial Measures This report contains Financial information determined by methods other than in accordance with U.S. Generally Accepted Accounting Principles (GAAP). Sovereigns management uses the non-GAAP measures of Operating Earnings, and the related per share amounts, in its analysis of the company's performance. These measures, as used by Sovereign, adjust net income determined in accordance with GAAP to exclude the effects of special items, including significant gains or losses that are unusual in nature or are associated with acquiring or integrating businesses, and certain non-cash charges. Operating Earnings represent net income adjusted for after-tax effects of merger-related and integration charges, other various non-recurring charges and the amortization of intangible assets. Since certain of these items and their impact on Sovereigns performance are difficult to predict, management believes presentations of financial measures excluding the impact of these items provide useful supplemental information in evaluating the operating results of Sovereigns core businesses. These disclosures should not be viewed as a substitute for net income determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.


Reconciliation of Operating Earnings to GAAP Earnings($ in thousands, all numbers shown net of tax)1 Net Income for EPS purposes


Sheet1

Year Ended December 31,Quarter Ended March 31,

20032002200120001999199820042003

Net Income/(loss) as reported401,851341,985116,821(30,242)179,299136,455102,22775,856

Merger-related and integration costs$10,316$97,063$20,576$33,533

Provision for Loan Loss$3,900$15,332

Loss on Debt Extinguishment$18,838$6,549$3,900$18,838

Loss on Securuties due to Restructuring of Balance Sheet$66,956

Restructuring Expenses$5,525$12,025

Negative Carry in Escrowed Bond Proceeds$18,589$3,123

Non-solicitation Expense$158,106$78,039

Income/Expense from PIERS$(2,549)$(702)

Operating Earnings$420,689$356,201$287,001$239,881$202,296$169,988$121,459$94,694

Amoritzation of Intangibles$50,100$54,121$89,408$67,003$26,968$15,588$11,999$12,938

Stock Based Compensation$10,819$14,953$1,906$1,680$2,203$2,601$3,620$2,792

Cash Earnings481,608425,275378,315308,564231,467188,177137,078110,424

N.B. Further details available on our website at www.sovereignbank.com in our 2002 and 2003 Reports to Shareholders

Sheet2

Year Ended December 31,Qtr Ended March 31,

20042003200220012000199919982005 12004

Net Income/(loss) as reported453,552401,851341,985116,821(30,242)179,299136,455152,545102,227

Merger-related and integration costs$30,134$10,316$97,063$20,576$33,533$15,074$15,332

Provision for Loan Loss$3,900$3,900$3,900

Loss on Debt Extinguishment$42,605$18,838$6,549

Restructuring Charges$5,525$78,981$3,382

Impairment Charge for FNMA and FHLMC Preferred Stock$20,891

Financing-Related Adjustments$16,040$2,421


Operating Earnings$551,082$420,689$356,201$287,001$239,881$202,296$169,988$171,001$121,459

Amoritzation of Intangibles$51,186$50,100$54,121$89,408$67,003$26,968$15,588$12,322$11,999

Operating Earnings602,268470,789410,322376,409306,884229,264185,576183,323133,458

Note: Further details are available on our web site at www.sovereignbank.com and in our Annual Reports to Shareholders

Sheet3

Reconciliation of Operating Earnings to GAAP Earnings(Per Share)


Sheet1

Year Ended December 31,Quarter Ended March 31,

20032002200120001999199820042003

Net Income/(loss) as reported401,851341,985116,821(30,242)179,299136,455102,22775,856

Merger-related and integration costs$10,316$97,063$20,576$33,533

Provision for Loan Loss$3,900$15,332

Loss on Debt Extinguishment$18,838$6,549$3,900$18,838

Loss on Securuties due to Restructuring of Balance Sheet$66,956

Restructuring Expenses$5,525$12,025

Negative Carry in Escrowed Bond Proceeds$18,589$3,123


Income/Expense from PIERS$(2,549)$(702)

Operating Earnings$420,689$356,201$287,001$239,881$202,296$169,988$121,459$94,694

Amoritzation of Intangibles$50,100$54,121$89,408$67,003$26,968$15,588$11,999$12,938

Stock Based Compensation$10,819$14,953$1,906$1,680$2,203$2,601$3,620$2,792

Cash Earnings481,608425,275378,315308,564231,467188,177137,078110,424

N.B. Further details available on our website at www.sovereignbank.com in our 2002 and 2003 Reports to Shareholders

Sheet2

Year Ended December 31,Qtr Ended March 31,

200420032002200120001999199820052004

Net Income/(loss) as reported$1.38$1.38$1.23$0.45$(0.13)$1.01$0.85$0.38$0.33

Merger-related and integration costs$0.10$0.04$0.46$0.12$0.21$0.04$0.05

Provision for Loan Loss$0.01$0.01$0.01

Loss on Debt Extinguishment$0.13$0.07$0.03

Restructuring Charges$0.02$0.38$0.01

Impairment Charge for FNMA and FHLMC Preferred Stock$0.06

Financing-Related Adjustments$0.08$0.05

Non-solicitation Expense$0.62$0.37

Operating Earnings$1.68$1.45$1.28$1.12$1.15$1.18$1.06$0.43$0.40

Amoritzation of Intangibles$0.16$0.17$0.19$0.35$0.32$0.15$0.10$0.03$0.04

Operating Earnings$1.84$1.62$1.47$1.46$1.47$1.33$1.16$0.46$0.44

Note: Further details are available on our web site at www.sovereignbank.com and in our Annual Reports to Shareholders

Sheet3

Overview of Sovereign


An Exceptional Franchise Serving from South of Philadelphia to Boston and BeyondKey: Sovereign Branches Source: SNL DataSource ~$60 billion bank

665 branches & ~1,000 ATMs

19th largest bank in the U.S. ranked by assets

Top 15 Small Business Lenders in the U.S. Market Share

Massachusetts #3Rhode Island #3New Hampshire #5 Pennsylvania #5 New Jersey #7 Connecticut #11 Maryland #38

PANHDEWVVAMD RICTNYNJVTMEMA


Strong Executive Management Team Name Business Unit Years In Banking Prior Institutions

Jay Sidhu Chairman, President 25+ Chemical, & CEO Bancorp Independence Joe Campanelli President & CEO, 20+ Shawmut, Fleet Sovereign Bank New England Division Jim Hogan, CPA CFO Bancorp 30+ Firstar, U.S. Bancorp Jim Lynch Chairman & CEO, 30+ Continental, Prime, Sovereign Bank Summit, Fleet Mid-Atlantic Division Larry Thompson CAO of Bancorp, 25+ Sovereign COO of Bank

Mark McCollom, CPA CFO of Bank 20+ Meridian


SovereignsGrowth Years


A High Growth CompanyEstimated 2005Assets ~ $63 billionAnalyst Mean Net Income $765 million*1990Assets $1.3 billionNet Operating Income $5.5 million*Mean net income estimate for covering analysts


Sovereigns Business Strategy: 1996-1999 In January 1996, Sovereign embarked on a super-community banking strategyManagement and the Board believed this strategy was critical to improving Sovereigns performance over the next several yearsA goal of $2.00 by 2000 ($1.32 split-adjusted) was the rallying cryAchieving a balanced loan mix and greater than 50% core deposits/total depositsKey performance metrics at year-end 1995:

86%13%1%56%41%3%ROA .78%NIM 2.54%ROE 14.95%Fee Income/Total Revenues 12.9%Efficiency Ratio 50.1%Tier 1 Leverage 3.98%Deposit MixLoan Mix


Sovereigns Business Strategy: 1996-99 (cont.)Sovereign undertook a series of acquisitions in support of this previously announced strategy

DateNameAssetsDeposits# of Branches Transaction MultipleBook Value Earnings5/31/96West Jersey$100 MM$90 MM2 212% BV 21.7x LTM 2/18/97First State$630 MM$550 MM14141% BV15.5x LTM8/29/97Bankers Corp $2.6 bn$1.7 bn15167% Tang12.5x LTM9/19/97Fleet Auto Division$2.0 bnN/AN/APurchased at Discount to Par2/27/98MainLine Bancorp$2.4 bn$1.0 bn29215% Tang17.4x 98EPS7/31/98Carnegie Bancorp$424 MM$323 MM8282% Tang20.2x 98EPS7/31/98First Home Bancorp$523 MM$300 MM10238% Tang17.9x LTM9/4/98CoreStates Branch Acquisition$800 MM$2.3 bn9314.8% deposit premium6/15/99Network Companies$50 MMN/AN/A6/30/99Peoples Bancorp$1.4 bn$500 MM14150% BV21.9x LTM


Sovereigns Business Strategy: 1996-99 (cont.)By year-end 1998, Sovereign had made significant progress on the goals it had previously articulated to the Street:

46%26%34%49%9%42%ROA .88%ROE 15.5%NIM 2.79%Fee Income/Total Revenue 14.7%Efficiency Ratio 48.3% Annual Operating EPSGrowth 1995-98: 17.1%Tier 1 Leverage 4.20%Loan MixDeposit Mix


1999: Fleet Acquisition Accelerates GoalsNew targets were established to be achieved over the next 3-4 years:Core deposits to increase to 60% of total depositsLoan portfolio evenly balanced (1/3 Commercial, 1/3 Consumer, 1/3 Residential) Borrowings decrease to 25% or less of liabilitiesIncrease fee-based revenues to 25% of total revenuesNet Interest Margin of 3.50%Maintain top-quartile growth rate in operating earnings

Fleet acquisition presented a unique opportunity to accelerate most of our publicly stated goals and acquire a dominant franchise for an incredibly inexpensive price

AcquiredLoans: $8.1bDeposits: $12.1bBranches: 286TransactionDeposit Premium 12%Premium, after-tax 7.8%Earnings Multiple: 6.4xComparable Deals ($1b+ Assets)1998-2000Deposit Premium 19.4%Earnings Multiple: 22.2x


Fleet Acquisition (continued)Management and the board debated the risks and rewards of the Fleet transaction, ultimately viewing the opportunity as outweighing the risks

By year-end 2002, with Fleet integrations behind us, Sovereigns balance sheet and business mix were where desired. A mild recession and the lingering effects of high-cost financing hindered net income and certain performance metrics:

44%37%19%15%26%59%ROA: 1.12%ROE: 16.67%NIM: 3.61%Fee Income/TotalRevenues: 27.33%Efficiency Ratio: 53.23%Borrowings/Total Liabilities: 24.5%Annual Operating EPSGrowth 1998-2002: 6.8%Tier 1 Leverage: 5.00%Loan MixDeposit Mix


Did the Fleet Deal Pay Off?Since early 2000, Sovereign has significantly outperformed the broader marketStock Price Performance3/28/05 closing price of $21.98% Appreciated


Since Jan 1-00

100100100100

91.823899371194.909647779595.158874570397.500615593

97.274633123793.001191083988.094322752185.4646187941

98.5324947589102.619023311295.1204301599101.8876004186

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100.6289308176100.791560319993.3032794397.5134276217

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112.704402515781.116896375788.8633849173109.8809212349

12882.318870171990.9300764017111.5653374988

140.612159329186.196358686494.7919131052112.2514158638

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154.163522012679.744767738689.075525001116.560335806

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184.352201257958.972264760971.2720229066104.2412047154

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194.280922431959.778118087572.1825987726105.6093600911

196.025157232760.630253530773.0823023505108.4644418111

201.123689727562.029606942373.8010040775110.8283957647

203.672955974862.469967670673.957565025111.1619317307

209.039832285163.596392717474.7000988074113.480562652

205.014675052464.13476263475.4906446136113.9731909262

201.123689727562.598604730373.8564092573112.2809643264

206.490566037764.759571209876.3786930988114.8134368556

220.444444444466.12625489277.6103058853117.9507294777

221.383647798767.030117406878.75789763117.8439625719

213.199161425668.855538540181.0900468987120.3371141002

209.039832285166.935511315379.2359303895116.3965111268

211.186582809266.858601327278.6366498741117.4072763089

217.090146750568.595541943280.2208727055119.5384976454

221.920335429868.090522375479.402232907119.7443750192

243.253668763167.252679938779.6586449476119.1682569485

240.972746331267.332312404380.0588321249118.5154590785

235.471698113265.711077080178.5963789192114.6424174336

243.119496855367.405138676280.9773230165117.3223244791

244.595387840768.221881912582.0109731828117.2222521469

250.767295597567.839373830281.2416500828115.8469020284

257.610062893169.558618342782.8317874389118.5593585521

255.597484276769.638931427682.6920133042117.7726307366

247.949685534670.057512336283.2151008253117.5131967743

251.706498951870.037774374783.2907719498118.5727092247

248.888888888967.787646758680.6728989521117.1633475946

256.268343815570.733367364383.9741604854122.2002446982

261.903563941371.429640973385.3516358879125.2092246607

251.03563941371.194827292884.7833196487124.9178183385

276.528301886871.246554364584.7891471951126.1791683339

308.192872117471.686234473485.5764748041127.3266336298

302.289308176171.231580738584.6976460192126.9448890394

296.117400419370.386251488983.7093115493125.2391193943

305.241090146871.729794112684.9250942845127.6709424728

307.522012578672.596222562585.7052896725128.9431038198

295.580712788372.157903692486.3122242788126.9412339561

305.777777777873.17542964188.1051950401127.7860583582

313.559748427774.597243491689.9465257386130.1589768845

317.584905660475.524247064890.6752299706132.0894379636

326.708595387876.47915603291.6634774622130.8344362707

312.352201257976.312404287990.6938433277128.4980301025

314.364779874277.506891271191.576499158132.3949644495

306.851153039877.86625829592.2832848574136.1487349564

301.350104821877.320401565491.3722740999134.784850257

309.668763102777.967670580292.3174673309135.226884484

305.241090146878.746979751693.1962091376136.5623749577

295.17819706577.528671090791.9044943429135.0915309797

298.129979035678.209971073792.1228968646136.444835175

291.823899371177.630083375990.9528647174137.307088553

279.480083857475.596392717488.5845324742134.3476638247

278.406708595474.456355283387.5318340593132.0557342485

285.651991614376.705802280190.2982660005133.8922019761

277.333333333378.145992853591.94311271132.9818169227

274.78406708676.871873404890.2946129118129.8145526178

261.769392033576.103454143389.7137717968127.931607621

267.941299790477.461970393191.1372587222130.3166841085

275.186582809276.198740854289.7372559389130.277055311

276.259958071374.558448187987.14765089126.304287605

273.039832285174.288922919986.7044094521129.0223229401

286.859538784175.756338267888.001342945132.3013558435

288.067085953976.311043049288.740919465133.0003616609

286.188679245377.738982474190.7402897421134.6489965835

279.345911949777.046792581290.2872197559133.7070239158

284.578616352277.210141228590.4145559932134.2518236942

293.031446540977.331972094690.5742481595133.2693757887

296.519916142675.971413986788.8860862546133.0813121364

294.909853249575.898587714889.1317999638134.7573794207

296.519916142675.458226986688.2748897115135.6882329404

293.836477987474.516249787387.7188374132134.1144695128

290.348008385774.84703079888.0241312607134.360860599

280.687631027373.441551812186.4970531751133.3071193327

277.735849056673.623277182286.7419840795135.872679984

282.834381551474.608814020887.8361711455137.7352334636

293.299790356475.156712608588.4910307973139.3870233002

300.008385744276.317849242889.9598334192140.9139631875

298.398322851276.796324655489.7456058561140.0119271138

297.056603773676.862344733789.1086637349140.3416156238

293.568134171975.552833078187.6515162058137.3319815938

293.970649895277.214905564188.5237346396139.4294992151

292.494758909976.354602688487.6496026831140.5925082336

289.274633123775.087970052786.0878202541138.1615700699

289.408805031475.622936872686.0083220841137.6138462249

292.360587002176.946741534887.2890776125140.5964326387

294.775681341779.229538880490.3388848686142.8368063037

299.471698113280.002041858191.2198011328144.4932130875

298.264150943480.10481538291.2628553934143.5488549971

293.165618448679.892462140590.7011495053143.0838129829

288.469601677180.114003743490.8103942553142.2573024716

290.884696016881.904372979492.8619515148144.5965172828

293.702306079782.045261187793.5836974825145.3735879836

299.60587002182.595882252994.4109481331146.5517944535

303.362683438280.86098349592.4647215998144.0823047801

298.398322851280.51659009791.8162113642142.8979423805

299.069182389981.400714650392.4474129173143.2871895103

305.375262054579.524247064890.9928747373140.8798747268

309.132075471780.953547728491.7789846501143.978808212

312.486373165681.830866088193.2810129841143.295269168

315.303983228582.363110430594.2611714934143.2396349534

302.825995807180.596222562592.2944180804136.746937425

310.473794549382.38284839294.1975033748140.8561359229

311.412997903682.99676705894.9161181235140.9262750469

306.582809224381.521184277793.4590575727138.7565791499

297.861635220179.748851454891.0707203195133.4090769183

294.909853249579.923770631391.202405472134.1828772815

199.3%

31.7%

-4.1%

-22.1%

Sovereign Bancorp

S&P 500

Dow Jones

S&P 500 / Banks

Weekly from 1-Jan-2000 to 28-Mar-2005

Indexed Price (%)

Since Jan1-00

0.00.00.00.0

29491.0%7992.4%9120.2%13418.3%

SOVSP50DJIISP625SOVSP50DJIISP625

Sovereign BancorpS&P 500Dow JonesS&P 500 / BanksSovereign BancorpS&P 500Dow JonesS&P 500 / Banks

1-Jan-2000100.0100.0100.0100.07.4531251469.2511497.12259.912

31-Jan-200091.894.995.297.56.843751394.4610940.53253.4158

29-Feb-200097.393.088.185.57.251366.4210128.31222.1328

28-Mar-200098.5102.695.1101.97.341,507.7310,936.11264.82

31-Mar-2000101.5102.095.0101.17.56251498.5810921.92262.6896

4-Apr-200094.8101.797.1104.37.061,494.7311,164.84270.97

11-Apr-200094.3102.198.2101.37.031,500.5911,287.08263.26

18-Apr-200088.198.193.798.86.561,441.6110,767.42256.78

25-Apr-200090.1100.696.8102.16.721,477.4411,124.82265.34

2-May-200093.998.493.396.67.001,446.2910,731.12251.16

9-May-200091.896.191.695.26.841,412.1410,536.75247.35

16-May-200091.499.895.199.06.811,466.0410,934.57257.31

23-May-200088.993.590.7101.86.631,373.8610,422.27264.51

30-May-200092.296.891.6104.56.881,422.4510,527.13271.51

6-Jun-200096.999.293.4106.87.221,457.8410,735.57277.62

13-Jun-2000105.2100.092.4103.57.841,469.4410,621.84268.91

20-Jun-200099.4100.590.894.87.411,475.9510,435.16246.36

27-Jun-200099.498.791.495.57.411,450.5510,504.46248.14

4-Jul-200099.8100.091.993.87.441,469.5410,560.67243.70

11-Jul-2000100.6100.893.397.57.501,480.8810,727.19253.45

18-Jul-2000101.0101.793.496.17.531,493.7410,739.92249.83

25-Jul-200098.5100.493.199.27.341,474.4710,699.97257.80

1-Aug-200096.097.992.397.17.161,438.1010,606.95252.36

8-Aug-2000104.0100.995.5104.97.751,482.8010,976.89272.70

15-Aug-2000111.5101.096.3105.78.311,484.4311,067.00274.81

22-Aug-2000106.5102.096.9106.17.941,498.1311,139.15275.87

29-Aug-2000119.1102.897.5102.98.881,509.8411,215.10267.34

5-Sep-2000119.1102.697.9106.78.881,507.0811,260.61277.35

12-Sep-2000125.8100.997.7112.39.381,481.9911,233.23291.81

19-Sep-2000126.699.493.8106.89.441,459.9010,789.29277.50

26-Sep-2000122.497.192.5106.59.131,427.2110,631.32276.90

3-Oct-2000122.997.193.2111.19.161,426.4610,719.74288.75

10-Oct-2000111.994.491.5101.58.341,387.0210,524.40263.69

17-Oct-2000107.391.987.896.08.001,349.9710,089.71249.44

24-Oct-2000104.095.290.499.47.751,398.1310,393.07258.40

31-Oct-2000111.597.395.4107.28.311,429.4010,971.14278.60

7-Nov-2000112.897.595.3108.28.411,431.8710,952.18281.12

14-Nov-2000102.394.192.9104.47.631,382.9510,681.06271.43

21-Nov-200094.391.791.398.17.031,347.3510,494.50254.88

28-Nov-200094.890.991.499.67.061,336.0910,507.58258.92

5-Dec-2000107.393.794.8105.88.001,376.5410,898.72274.99

12-Dec-2000103.193.393.7108.07.691,371.1810,768.27280.60

19-Dec-2000101.588.992.1110.97.561,305.6010,584.37288.14

26-Dec-2000104.489.593.0116.27.781,315.1910,692.44302.00

2-Jan-2001113.687.392.6113.78.471,283.2710,646.15295.63

9-Jan-2001107.388.592.0112.38.001,300.8010,572.55291.97

16-Jan-2001110.390.392.7114.48.221,326.6510,652.66297.28

23-Jan-2001102.792.692.6115.07.661,360.4010,649.81298.77

30-Jan-2001116.193.594.6120.18.661,373.7310,881.20312.18

6-Feb-2001117.492.095.3116.38.751,352.2610,957.42302.22

13-Feb-2001117.889.894.8117.28.781,318.8010,903.32304.61

20-Feb-2001119.987.093.3113.88.941,278.9410,730.88295.79

27-Feb-2001118.285.692.5115.68.811,257.9410,636.88300.54

6-Mar-2001118.285.392.1113.68.811,253.8010,591.22295.27

13-Mar-2001113.281.589.5112.08.441,197.6610,290.80291.10

20-Mar-2001108.677.884.5107.78.091,142.629,720.76279.80

27-Mar-2001114.580.586.5112.28.531,182.179,947.54291.65

3-Apr-2001107.875.382.5111.08.031,106.469,485.71288.60

10-Apr-2001112.479.587.9111.38.381,168.3810,102.74289.24

17-Apr-2001112.781.188.9109.98.401,191.8110,216.73285.59

24-Apr-2001128.082.390.9111.69.541,209.4710,454.34289.97

1-May-2001140.686.294.8112.310.481,266.4410,898.34291.75

8-May-2001146.985.894.7112.010.951,261.2010,883.51291.01

15-May-2001142.985.094.6112.810.651,249.4410,872.97293.25

22-May-2001150.889.197.9117.811.241,309.3811,257.24306.07

29-May-2001151.586.396.0117.411.291,267.9311,039.14305.14

5-Jun-2001152.287.497.2119.811.341,283.5711,175.84311.29

12-Jun-2001157.485.595.2116.211.731,255.8510,948.38301.96

19-Jun-2001156.882.592.2115.611.691,212.5810,596.67300.53

26-Jun-2001164.082.891.1116.612.221,216.7610,472.48303.06

3-Jul-2001173.884.091.9118.612.951,234.4510,571.11308.20

10-Jul-2001171.180.488.5114.012.751,181.5210,175.64296.32

17-Jul-2001173.482.792.3118.812.921,214.4410,606.39308.71

24-Jul-2001154.279.789.1116.611.491,171.6510,241.12302.95

31-Jul-2001157.282.491.5120.011.721,211.2310,522.81311.83

7-Aug-2001151.982.091.0121.011.321,204.4010,458.74314.39

14-Aug-2001151.380.890.6120.911.281,186.7310,412.17314.30

21-Aug-2001154.378.888.5121.111.501,157.2610,174.14314.77

28-Aug-2001146.279.188.9116.210.901,161.5110,222.03302.13

4-Sep-2001146.277.187.0115.110.901,132.949,997.49299.19

11-Sep-2001140.574.483.5109.210.471,092.549,605.51283.94

18-Sep-2001135.170.377.4106.510.071,032.748,903.40276.74

25-Sep-2001130.068.975.3105.09.691,012.278,659.97273.01

2-Oct-2001126.171.677.9110.69.401,051.338,950.59287.38

9-Oct-2001124.571.978.799.29.281,056.759,052.44257.88

16-Oct-2001126.174.781.6102.09.401,097.549,384.23265.23

23-Oct-2001128.073.881.2102.29.541,084.789,340.08265.56

30-Oct-2001128.772.179.3101.69.591,059.799,121.98264.02

6-Nov-2001143.476.283.4107.310.691,118.869,591.12278.94

13-Nov-2001151.177.584.8108.711.261,139.099,750.95282.58

20-Nov-2001155.977.886.1108.911.621,142.669,901.38283.02

27-Nov-2001154.878.285.9110.211.541,149.509,872.60286.54

4-Dec-2001146.977.986.1108.910.951,144.809,893.84283.13

11-Dec-2001156.377.486.0110.611.651,136.769,888.37287.41

18-Dec-2001159.077.887.0110.711.851,142.929,998.39287.78

25-Dec-2001163.477.987.3111.112.181,144.6510,035.34288.86

1-Jan-2002164.278.187.2112.012.241,148.0810,021.50291.15

8-Jan-2002167.779.088.3112.412.501,160.7110,150.55292.03

15-Jan-2002170.578.086.3112.412.711,146.199,924.15292.12

22-Jan-2002170.776.284.5113.012.721,119.319,713.80293.68

29-Jan-2002171.774.983.7110.312.801,100.649,618.24286.56

5-Feb-2002168.474.284.2108.012.551,090.029,685.43280.69

12-Feb-2002169.575.485.8110.512.631,107.509,863.74287.18

19-Feb-2002161.873.784.8107.812.061,083.349,745.14280.09

26-Feb-2002168.175.588.0112.512.531,109.3810,115.26292.41

5-Mar-2002171.778.090.7117.012.801,146.1410,433.41304.08

12-Mar-2002177.279.392.5121.113.211,165.5810,632.35314.75

19-Mar-2002187.079.792.5123.613.941,170.2910,635.25321.22

26-Mar-2002189.677.590.1121.214.131,138.4910,353.36315.13

2-Apr-2002189.777.489.7120.614.141,136.7610,313.71313.53

9-Apr-2002192.176.188.8121.614.321,117.8010,208.67316.02

16-Apr-2002199.876.889.6122.714.891,128.3710,301.32318.79

23-Apr-2002189.674.987.8122.314.131,100.9610,089.24317.86

30-Apr-2002193.673.386.5123.314.431,076.929,946.22320.39

7-May-2002191.971.485.6122.614.301,049.499,836.55318.77

14-May-2002195.274.789.6125.714.551,097.2810,298.14326.60

21-May-2002203.373.587.9125.215.151,079.8810,105.71325.29

28-May-2002202.673.186.8124.015.101,074.559,981.58322.17

4-Jun-2002203.070.884.3121.615.131,040.699,687.84315.96

11-Jun-2002198.769.082.8119.014.811,013.609,517.26309.38

18-Jun-2002206.970.684.4122.915.421,037.149,706.12319.46

25-Jun-2002194.066.479.4117.914.46976.149,126.82306.56

2-Jul-2002189.264.578.3116.614.10948.099,007.75302.98

9-Jul-2002189.964.979.1116.714.15952.839,096.09303.19

16-Jul-2002178.461.373.7109.613.30901.058,473.11284.93

23-Jul-2002163.654.367.097.412.19797.707,702.34253.17

30-Jul-2002192.061.475.5110.214.31902.788,680.03286.53

6-Aug-2002190.058.572.0108.614.16859.578,274.09282.31

13-Aug-2002197.160.273.8112.414.69884.218,482.39292.23

20-Aug-2002205.363.877.2116.415.30937.438,872.07302.48

27-Aug-2002201.363.676.8118.115.00934.828,824.41306.91

3-Sep-2002201.359.872.3112.815.00878.028,308.05293.07

10-Sep-2002201.161.974.8114.914.99909.588,602.61298.60

17-Sep-2002178.059.571.4110.113.27873.528,207.55286.07

24-Sep-2002172.355.866.8102.612.84819.297,683.13266.71

1-Oct-2002180.757.769.1108.913.47847.917,938.79283.10

8-Oct-2002161.354.465.295.612.02798.557,501.49248.44

15-Oct-2002185.260.071.8107.513.80881.278,255.68279.50

22-Oct-2002189.260.673.5110.014.10890.168,450.16285.79

29-Oct-2002187.660.072.8109.613.98882.158,368.94284.89

5-Nov-2002193.562.375.5112.114.42915.398,678.27291.41

12-Nov-2002184.560.172.9106.413.75882.958,386.00276.44

19-Nov-2002181.961.073.7107.213.56896.748,474.78278.54

26-Nov-2002185.762.275.5109.513.84913.318,676.42284.54

3-Dec-2002185.462.776.0109.213.82920.758,742.93283.94

10-Dec-2002188.161.674.6109.314.02904.458,574.26284.16

17-Dec-2002187.661.574.2109.413.98902.998,535.39284.32

24-Dec-2002187.860.773.5108.214.00892.478,448.11281.26

31-Dec-2002188.559.972.6107.714.05879.828,341.63279.83

7-Jan-2003194.162.876.0112.814.47922.938,740.59293.09

14-Jan-2003194.363.476.9114.014.48931.668,842.62296.36

21-Jan-2003188.660.473.4110.114.06887.628,442.90286.29

28-Jan-2003176.858.470.4106.713.18858.548,088.84277.28

4-Feb-2003182.757.769.7105.913.62848.208,013.29275.34

11-Feb-2003171.756.468.2103.712.80829.207,843.11269.54

18-Feb-2003175.457.969.9106.613.07851.178,041.15277.10

25-Feb-2003172.957.168.8105.112.89838.577,909.50273.19

4-Mar-2003182.555.967.0103.813.60821.997,704.87269.72

11-Mar-2003177.954.565.499.613.26800.737,524.06258.92

18-Mar-2003184.459.071.3104.213.74866.458,194.23270.94

25-Mar-2003188.159.572.0105.314.02874.748,280.23273.72

1-Apr-2003188.858.470.2103.414.07858.488,069.86268.82

8-Apr-2003194.359.872.2105.614.48878.298,298.92274.49

15-Apr-2003196.060.673.1108.514.61890.818,402.36281.91

22-Apr-2003201.162.073.8110.814.99911.378,484.99288.06

29-Apr-2003203.762.574.0111.215.18917.848,502.99288.92

6-May-2003209.063.674.7113.515.58934.398,588.36294.95

13-May-2003205.064.175.5114.015.28942.308,679.25296.23

20-May-2003201.162.673.9112.314.99919.738,491.36291.83

27-May-2003206.564.876.4114.815.39951.488,781.35298.41

3-Jun-2003220.466.177.6118.016.43971.568,922.95306.57

10-Jun-2003221.467.078.8117.816.50984.849,054.89306.29

17-Jun-2003213.268.981.1120.315.891,011.669,323.02312.77

24-Jun-2003209.066.979.2116.415.58983.459,109.85302.53

1-Jul-2003211.266.978.6117.415.74982.329,040.95305.16

8-Jul-2003217.168.680.2119.516.181,007.849,223.09310.69

15-Jul-2003221.968.179.4119.716.541,000.429,128.97311.23

22-Jul-2003243.367.379.7119.218.13988.119,158.45309.73

29-Jul-2003241.067.380.1118.517.96989.289,204.46308.04

5-Aug-2003235.565.778.6114.617.55965.469,036.32297.97

12-Aug-2003243.167.481.0117.318.12990.359,310.06304.93

19-Aug-2003244.668.282.0117.218.231,002.359,428.90304.67

26-Aug-2003250.867.881.2115.818.69996.739,340.45301.10

2-Sep-2003257.669.682.8118.619.201,021.999,523.27308.15

9-Sep-2003255.669.682.7117.819.051,023.179,507.20306.11

16-Sep-2003247.970.183.2117.518.481,029.329,567.34305.43

23-Sep-2003251.770.083.3118.618.761,029.039,576.04308.18

30-Sep-2003248.967.880.7117.218.55995.979,275.06304.52

7-Oct-2003256.370.784.0122.219.101,039.259,654.61317.61

14-Oct-2003261.971.485.4125.219.521,049.489,812.98325.43

21-Oct-2003251.071.284.8124.918.711,046.039,747.64324.68

28-Oct-2003276.571.284.8126.220.611,046.799,748.31327.95

4-Nov-2003308.271.785.6127.322.971,053.259,838.83330.94

11-Nov-2003302.371.284.7126.922.531,046.579,737.79329.95

18-Nov-2003296.170.483.7125.222.071,034.159,624.16325.51

25-Nov-2003305.271.784.9127.722.751,053.899,763.94331.83

2-Dec-2003307.572.685.7128.922.921,066.629,853.64335.14

9-Dec-2003295.672.286.3126.922.031,060.189,923.42329.94

16-Dec-2003305.873.288.1127.822.791,075.1310,129.56332.13

23-Dec-2003313.674.689.9130.223.371,096.0210,341.26338.30

30-Dec-2003317.675.590.7132.123.671,109.6410,425.04343.32

6-Jan-2004326.776.591.7130.824.351,123.6710,538.66340.05

13-Jan-2004312.476.390.7128.523.281,121.2210,427.18333.98

20-Jan-2004314.477.591.6132.423.431,138.7710,528.66344.11

27-Jan-2004306.977.992.3136.122.871,144.0510,609.92353.87

3-Feb-2004301.477.391.4134.822.461,136.0310,505.18350.32

10-Feb-2004309.778.092.3135.223.081,145.5410,613.85351.47

17-Feb-2004305.278.793.2136.622.751,156.9910,714.88354.94

24-Feb-2004295.277.591.9135.122.001,139.0910,566.37351.12

2-Mar-2004298.178.292.1136.422.221,149.1010,591.48354.64

9-Mar-2004291.877.691.0137.321.751,140.5810,456.96356.88

16-Mar-2004279.575.688.6134.320.831,110.7010,184.67349.19

23-Mar-2004278.474.587.5132.120.751,093.9510,063.64343.23

30-Mar-2004285.776.790.3133.921.291,127.0010,381.70348.00

6-Apr-2004277.378.191.9133.020.671,148.1610,570.81345.64

13-Apr-2004274.876.990.3129.820.481,129.4410,381.28337.40

20-Apr-2004261.876.189.7127.919.511,118.1510,314.50332.51

27-Apr-2004267.977.591.1130.319.971,138.1110,478.16338.71

4-May-2004275.276.289.7130.320.511,119.5510,317.20338.61

11-May-2004276.374.687.1126.320.591,095.4510,019.47328.28

18-May-2004273.074.386.7129.020.351,091.499,968.51335.34

25-May-2004286.975.888.0132.321.381,113.0510,117.62343.87

1-Jun-2004288.176.388.7133.021.471,121.2010,202.65345.68

8-Jun-2004286.277.790.7134.621.331,142.1810,432.52349.97

15-Jun-2004279.377.090.3133.720.821,132.0110,380.43347.52

22-Jun-2004284.677.290.4134.321.211,134.4110,395.07348.94

29-Jun-2004293.077.390.6133.321.841,136.2010,413.43346.38

6-Jul-2004296.576.088.9133.122.101,116.2110,219.34345.89

13-Jul-2004294.975.989.1134.821.981,115.1410,247.59350.25

20-Jul-2004296.575.588.3135.722.101,108.6710,149.07352.67

27-Jul-2004293.874.587.7134.121.901,094.8310,085.14348.58

3-Aug-2004290.374.888.0134.421.641,099.6910,120.24349.22

10-Aug-2004280.773.486.5133.320.921,079.049,944.67346.48

17-Aug-2004277.773.686.7135.920.701,081.719,972.83353.15

24-Aug-2004282.874.687.8137.721.081,096.1910,098.63357.99

31-Aug-2004293.375.288.5139.421.861,104.2410,173.92362.28

7-Sep-2004300.076.390.0140.922.361,121.3010,342.79366.25

14-Sep-2004298.476.889.7140.022.241,128.3310,318.16363.91

21-Sep-2004297.176.989.1140.322.141,129.3010,244.93364.76

28-Sep-2004293.675.687.7137.321.881,110.0610,077.40356.94

5-Oct-2004294.077.288.5139.421.911,134.4810,177.68362.39

12-Oct-2004292.576.487.6140.621.801,121.8410,077.18365.42

19-Oct-2004289.375.186.1138.221.561,103.239,897.62359.10

26-Oct-2004289.475.686.0137.621.571,111.099,888.48357.67

2-Nov-2004292.476.987.3140.621.791,130.5410,035.73365.43

9-Nov-2004294.879.290.3142.821.971,164.0810,386.37371.25

16-Nov-2004299.580.091.2144.522.321,175.4310,487.65375.56

23-Nov-2004298.380.191.3143.522.231,176.9410,492.60373.10

30-Nov-2004293.279.990.7143.121.851,173.8210,428.02371.89

7-Dec-2004288.580.190.8142.321.501,177.0810,440.58369.74

14-Dec-2004290.981.992.9144.621.681,203.3810,676.45375.82

21-Dec-2004293.782.093.6145.421.891,205.4510,759.43377.84

28-Dec-2004299.682.694.4146.622.331,213.5410,854.54380.91

4-Jan-2005303.480.992.5144.122.611,188.0510,630.78374.49

11-Jan-2005298.480.591.8142.922.241,182.9910,556.22371.41

18-Jan-2005299.181.492.4143.322.291,195.9810,628.79372.42

25-Jan-2005305.479.591.0140.922.761,168.4110,461.56366.16

1-Feb-2005309.181.091.8144.023.041,189.4110,551.94374.22

8-Feb-2005312.581.893.3143.323.291,202.3010,724.63372.44

15-Feb-2005315.382.494.3143.223.501,210.1210,837.32372.30

22-Feb-2005302.880.692.3136.722.571,184.1610,611.20355.42

1-Mar-2005310.582.494.2140.923.141,210.4110,830.00366.10

8-Mar-2005311.483.094.9140.923.211,219.4310,912.62366.28

15-Mar-2005306.681.593.5138.822.851,197.7510,745.10360.65

22-Mar-2005297.979.791.1133.422.201,171.7110,470.51346.75

28-Mar-2005294.979.991.2134.221.981,174.2810,485.65348.76

Total Return(10 Yrs)

10010000

97.394282102.303900

97.394282106.39251500

110.284722108.864200

109.088958112.47403600

114.830482112.7580400

122.72508117.5168500

113.641489117.0969500

120.834122.2431200

116.51849124.5978800

120.34295128.8386600

134.72355130.0332700

134.72355131.2871200

134.98074133.222700

127.39756136.6589500

121.331137.180100

117.03261131.1189300

129.95181133.8857400

133.75157141.4214700

143.12909145.3222300

159.87823156.3063700

159.87823153.2092300

170.8215162.7815600

184.85326164.0573900

175.70212157.3169500

179.66306166.7086300

192.49615176.8591200

223.66219184.7831300

232.6678199.4857100

227.61977188.3115900

256.99198.6245900

260.9647191.9913900

278.4236200.8787800

305.0713204.3293200

274.13206.5893200

285.169221.4898600

321.2291232.832400

333.7227235.174900

312.7269231.132300

288.9685240.520300

283.7805237.959200

215.73956203.55500

235.654216.5954800

232.6889234.213800

227.14873248.407700

252.6337262.722400

225.289273.708400

217.5204265.202200

217.5204275.812300

242.3623286.493200

234.58279.72800

215.68017295.252100

215.0063286.03300

178.80058284.618600

162.09026276.815600

157.5308294.33300

158.64804300.316100

133.23083318.003300

122.77565302.026100

130.0637296.308400

135.66989325.296400

123.79519315.509700

123.79519309.036200

126.60872316.654800

127.051311.704100

153.59057331.065300

167.14268313.586500

150.68512312.260900

123.49383287.644500

147.28621289.052200

150.56343299.307400

161.9267272.015700

153.97241254.783600

193.37533274.582900

206.49789276.42300

236.9349269.695100

214.06274267.039700

202.37329250.323100

173.515230.10900

181.30541234.496700

202.36613252.484300

224.15941254.696200

235.24250.979400

232.4875246.139100

257.8097255.39600

265.2513239.911600

284.5523238.143900

274.81221.1791300

266.8232203.9384200

282.107205.2764400

237.5444182.9667200

259.7369199.0713300

254.9407210.7881800

259.1835198.4058400

251.7253193.2080600

250.986190.3091900

255.9761192.1571600

286.0176207.9858300

302.1235218.94400

289.72221.7359100

332.5739225.645900

364.8303230.045700

343.8822227.6042900

386.2391240.477800

420.5756242.593500

440.8063255.318200

420.1127260.004200

411.5655263.616900

398.0015259.6400

371.8028255.563400

404.74259.070800

411.2533264.1100

405.6684255.368100

407.3455256.401700

406.6259.177100

403.9903263.137500

407.7223273.783400

420.7843283.101900

424.9009276.20100

428.6379282.012900

410.7275.446100

#NAME?

410.7%

#NAME?

275.4%

Sovereign Bancorp

S&P 500 (TR)

Dow Jones

S&P 500 (TR) / Banks

Monthly from 28-Mar-1995 to 28-Mar-2005

Total Return (%)

__FDSCACHE__

162910

p ###"#" #" " " #"#"#"#"#"###"##"&.""#"#"## p % #######"##"#""""""#""""" )

c " " "" " "" " #" # # #,.##"#" "#" "#" "#" ""# ### #" (. $.#### # - # #$.### (.

# # p"""""##"#"#"""" " " "" " " """" "." " " (." # # # # (. $p ,. # #########""

"#"#"'###"###### . *G 2". &. ### # ## #" #" #"#"""" "" "" #"" " ) # "

" "" " # # # "#"#""""" ##"#"#"#""#####"# """"" # # # # # " " " " " A # # # + '

TR(10 Yrs)Data

0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00

41070.0%27544.6%0.0%0.0%

SOVSP50.RDJIISP625MMMAAMOAXPTBACATCKODISDDEKXOMGEGMHPQHDHONINTCIBMIPJPMJNJMCDMRKMSFTPGSBCUTXWMTASOBACONEBBTCFCMACFCFNMFREFITBFTNFBFGDWHBANKEYMIMTGNCCNFBPNCRFSOTRSTISNVUSBUPCWBWMWFCZION

Sovereign BancorpS&P 500 (TR)Dow JonesS&P 500 (TR) / Banks000000000000000000000000000000000000000000000000000000000000

28-Mar-1995100.00100.000.000.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00

30-Apr-199597.39102.300.000.00103.47110.46100.18100.6596.67106.54113.27106.43101.97100.39109.56106.98105.30102.05104.64106.6595.16104.28115.75111.98103.18109.35105.2699.6498.56111.04102.36103.02107.9395.4898.8199.50105.36102.25112.96105.02102.80107.01107.1992.33102.41101.16122.82103.0894.2795.27102.42102.11107.67103.9997.03104.8899.09108.55100.00101.59102.55101.52106.00111.07

31-May-199597.39106.390.000.00104.92115.04107.76102.8296.67114.57116.66108.89108.11100.62113.76113.07109.30105.69112.09106.4594.87106.75126.91110.35105.91120.81107.62108.03108.05115.03105.29105.06112.74100.00105.53113.71124.11108.48125.73115.53104.20112.62111.91102.16105.72108.98131.77107.53108.80102.85114.04113.30109.21111.7599.13105.23106.60110.53103.89113.31112.13111.43114.43117.92

30-Jun-1995110.28108.860.000.00100.33124.01111.28102.10101.58121.86124.40113.09112.25100.62115.22113.53108.16103.48109.46120.4892.99117.65143.17113.91115.50123.76109.85111.59113.65122.75105.29111.19116.08107.75104.34107.68116.38119.70121.99118.62117.91114.59113.43108.58112.92116.01126.73114.85111.92107.91113.73109.57111.51109.16104.58113.84107.06120.46111.15114.38103.55116.38115.94131.21

31-Jul-1995109.09112.470.000.0099.02141.02107.16112.22101.10130.38136.93122.46115.55106.45112.29107.92111.03108.30113.84125.93100.41123.60147.07129.19113.82136.65116.77110.17119.43122.92101.48113.34124.81107.25112.33112.70114.58120.83128.84129.23124.93114.36108.07110.02119.92111.32125.72123.50114.15110.30123.14115.49116.15103.88108.46121.84110.97127.74122.02121.33111.85119.17113.92140.40

31-Aug-1995114.83112.760.000.0096.34141.90111.65117.68108.53125.01130.61124.60113.13102.14110.45108.90106.41108.07110.73129.3791.28117.82138.87122.94110.96154.19112.83104.30115.38125.64102.22119.23124.6498.89119.53124.25121.35134.68151.09131.54123.52116.49106.00108.58129.05116.87128.65127.86111.87121.25135.98112.19120.02110.17113.39128.40113.45135.02128.06127.78115.88129.16122.55144.99

30-Sep-1995122.73117.520.000.0099.43131.34126.58129.34126.65133.32110.66137.91121.90104.18116.15111.73111.83117.77110.15135.1691.10117.16136.04112.39113.84161.14121.22109.30130.42122.92113.45129.53132.1199.90122.73136.14133.01132.16147.95135.61130.99126.57114.55111.42136.29119.24136.06131.94123.60120.65139.01116.43128.54116.99115.36124.68122.24139.04130.26128.32117.90132.28132.21161.66

31-Oct-1995113.64117.100.000.00100.31126.69127.72119.02123.28127.94111.16131.09126.98104.81105.38118.09118.21116.85102.80150.1685.10112.84158.19115.66100.28151.75133.28117.16133.91135.82119.94132.59132.6787.29128.79133.11122.99130.79143.31125.36124.65128.94114.76130.60131.38122.40135.05140.00121.79116.45138.10117.63136.40111.51113.23124.68119.23135.05134.82132.09114.73129.56120.01182.77

30-Nov-1995120.83122.240.000.00116.14145.96133.03124.52126.89142.86120.22155.04134.21109.35113.31129.44120.95124.01114.72134.55101.38126.34137.82115.21104.40160.09142.24127.71144.10118.34128.08128.44141.0297.07127.58145.92139.39133.32161.62139.34124.65134.62127.60142.00148.56133.26137.99142.93134.42127.49135.16123.35144.97124.26119.27126.93126.90154.34145.78136.97127.51142.14135.32186.07

31-Dec-1995116.52124.600.000.00117.92131.92138.30121.22125.36153.64115.08163.19131.56107.24119.06127.07125.83133.87125.07136.12109.21126.67128.48108.95103.38156.75140.40129.14153.65119.19122.90135.86142.7189.99131.71142.09138.32133.32154.68150.54122.30152.30138.89143.01149.86130.07149.13141.91132.15125.67131.82126.21157.44137.00123.02128.18127.37152.40145.84138.60129.84145.29135.32212.88

31-Jan-1996120.34128.840.000.00114.58139.30142.14135.50129.47151.93126.84171.33133.55117.04130.77139.16125.44142.70124.48137.74105.21133.00125.14129.37111.23180.29157.64143.81164.19125.64124.59135.33154.3782.41129.26142.60139.24149.24159.73149.60131.49170.65142.42138.56151.09127.67139.68141.17133.51123.26156.73125.76162.32128.97120.52130.68128.53150.39153.19132.62135.09153.20141.94202.94

29-Feb-1996134.72130.030.000.00116.53142.75151.71135.13123.18159.53131.52174.86143.07119.31131.20136.37125.40140.38122.14163.7598.92148.95133.24146.5398.24192.73154.06143.28155.12134.04121.98131.15162.3685.95128.45151.68144.07143.48174.07146.31118.76156.43137.22150.09156.05132.64136.89138.21138.55121.03141.63133.95151.34131.65131.24130.54134.39156.41154.42135.43142.44152.01150.72195.64

31-Mar-1996134.72131.290.000.00115.64157.18135.85145.44118.97170.35133.98172.58147.07116.35142.34135.41128.55145.65126.91153.28109.33158.32128.86132.94108.54189.70152.00137.55146.50140.07126.08125.77169.7393.23128.08164.79145.50142.20171.53158.58125.58157.67142.37170.61164.88130.62145.00142.36142.23127.12132.51135.39149.77132.19126.50139.37130.88181.37159.25132.69142.15150.74151.75188.77

30-Apr-1996134.98133.220.000.00117.65156.56139.52143.50119.21161.50127.02160.81144.85113.14137.63145.90134.07144.48129.29172.41108.47155.31153.58128.76109.57187.07152.42137.19142.38153.82126.30120.87167.0896.78126.44164.27141.93144.08177.24165.22122.74152.43139.24162.52164.88138.69142.30144.59142.23131.37131.90143.61150.24131.61132.99136.85131.82181.37162.65132.14144.79141.72149.17198.78

31-May-1996127.40136.660.000.00122.95155.50153.84135.37121.40168.22129.99163.39163.51110.86137.75142.60134.95154.76132.33173.43117.06147.17171.15127.99110.21189.78161.09138.13152.09161.29131.35119.06166.20104.88125.20166.85151.12151.19186.08166.17129.13153.68137.99160.32168.00143.67148.65147.57144.09134.70142.94138.74154.20132.15136.23139.22137.24185.40171.60135.56145.12146.50145.12197.44

30-Jun-1996121.33137.180.000.00124.30144.78162.55132.04121.32171.92134.20179.63174.64114.74136.67149.07138.33162.24125.73162.63123.78153.56166.48118.69101.91191.47163.78134.18152.89163.16135.46118.76174.75103.06120.29171.10140.17164.11178.41171.03140.94166.74143.40159.59154.30141.64151.70143.51144.09135.93136.55136.79165.27129.43135.78143.03139.12175.15167.50134.46144.52152.57145.12194.11

31-Jul-1996117.03131.120.000.00121.50147.20163.52130.10102.24174.63131.26166.34167.07101.70139.47143.08130.97154.64117.03143.65115.47157.93170.42128.89104.68189.91157.99133.10152.00160.10134.11118.92170.9597.48122.79178.09142.23152.59189.28168.16127.42159.01141.30152.94148.63131.87150.34146.29143.63128.58145.37136.24180.06128.21126.70141.12138.18185.27186.46131.78150.75186.96147.72208.92

31-Aug-1996129.95133.890.000.00129.45157.66140.28130.10102.73179.13137.24171.35178.21104.21142.84139.77131.05156.28120.04142.84121.77166.59181.05137.55111.23203.23163.55133.31155.25166.38133.55113.44172.16107.34131.11176.28158.20163.02195.93186.84137.38155.25148.22156.64171.94137.33150.59149.60150.61135.60154.29148.05197.59137.57132.87151.12145.03193.37195.78146.85152.99186.31157.71231.39

30-Sep-1996133.75141.420.000.00131.34149.73142.13137.53102.87187.05150.19194.07181.76115.64153.27151.34133.86171.96116.11159.56130.51177.72216.49149.73118.18218.94170.19136.19167.51179.12146.51117.09183.80107.34149.63181.15170.47173.46216.20198.88145.93174.66164.33172.66168.53146.38158.39153.40165.16148.54164.33165.75200.77146.92141.16156.24154.95211.52212.81158.58159.87191.45170.81237.42

31-Oct-1996143.13145.320.000.00143.81149.62146.29140.4395.41188.78137.48214.91180.42120.65161.32153.51142.50182.83129.72144.42125.92176.71249.36155.14118.53235.93163.55127.92175.84186.42149.46119.35196.59107.85155.94196.52177.23182.06236.01205.16162.79196.93170.01186.02184.72164.06176.03160.07175.01158.41167.07172.19202.81161.32146.28169.69176.21243.04224.99156.44174.24218.41183.91243.97

30-Nov-1996159.88156.310.000.00158.63162.38163.51156.12106.99197.30158.51237.69183.10135.30164.93157.18153.10196.53140.41176.33119.61198.23287.94192.18118.87260.01177.50134.61197.56213.07164.18129.17215.03103.78167.71216.07198.02193.23236.35225.91164.93207.62192.31207.93195.51183.63183.47165.90198.02168.57182.70184.10218.04175.78156.89183.34192.65266.43232.18186.26184.31224.87197.15275.64

31-Dec-1996159.88153.210.000.00157.21162.70180.84169.49119.13211.44150.75239.67188.47127.75164.71155.48158.98187.79135.84164.85115.15181.32297.16182.68113.27245.91165.83130.65190.48224.45162.48127.33203.1592.79164.10205.20180.22190.60228.20203.70163.51189.38186.39187.41192.00165.39171.57177.32190.93171.67185.13178.15228.46167.44152.23179.79186.96262.27230.85175.57178.58223.90183.45280.36

31-Jan-1997170.82162.780.000.00161.47176.09190.24186.36113.57212.68156.31277.43207.27133.69191.83168.07168.11196.57143.76172.64113.72190.45368.35189.16114.32256.13192.50131.01216.79277.08175.26136.14213.8896.87174.70226.97190.17205.30245.18222.18171.83199.25204.33230.86207.36179.07182.45179.00198.02188.40179.65181.81231.72178.63161.99194.61189.81265.33277.96186.59201.81282.16200.84312.68

28-Feb-1997184.85164.060.000.00175.35182.44216.45196.86115.01202.53157.56284.05218.47136.21188.64174.73163.89195.39142.24184.12125.49196.21322.09173.75117.11277.24192.25124.74220.38264.86182.08142.33231.68107.57173.86251.90184.93205.96260.08233.85166.81202.41200.96248.76239.35203.81184.44191.61203.86196.74191.63202.34262.40189.87173.40205.52195.85284.72295.87203.04213.12274.69211.13337.04

31-Mar-1997175.70157.320.000.00161.29174.12184.38179.61101.51196.31161.59254.26200.12133.69186.44147.96176.16189.47136.10175.47123.04193.49315.85165.89109.72259.93176.79136.28202.44249.07173.94131.02233.22113.95164.96234.25167.96197.35239.60220.78141.76182.80184.68232.04217.69190.87170.82177.74185.76181.80172.44186.81233.34179.76164.52187.37176.79241.74301.98184.32197.03250.99196.28321.48

30-Apr-1997179.66166.710.000.00165.82179.56190.84198.0097.51196.31180.05293.98228.39150.24186.66161.83185.15211.90142.24172.60133.39196.21347.75194.00118.87256.80204.37154.30217.16330.05191.30138.50232.84114.98180.35254.83179.06209.50243.02229.10155.83209.84216.02223.43223.49203.81176.95193.82198.62191.14198.03197.00257.66186.53168.23193.85193.47298.08321.86204.17204.01257.97211.66343.76

31-May-1997192.50176.860.000.00176.13189.20213.26209.29106.97210.33197.50292.14245.89150.47192.17162.20195.11230.51142.26169.31145.17209.14344.06209.62135.41263.42201.35145.17215.96336.84209.75145.99248.46122.13200.65248.50182.75213.50257.37244.77154.40222.56223.65231.29232.51205.74184.74192.13208.82199.62217.04208.11273.10189.93177.12204.25204.36316.52312.40215.60210.00290.63228.39334.25

30-Jun-1997223.66184.780.000.00196.02193.70216.40224.35102.99211.83217.22334.97244.60147.48222.47150.21201.69248.17138.23184.59158.86228.90322.06218.71137.36270.56216.03139.57247.00343.29214.88154.41256.57138.51195.30274.01206.44240.19295.80268.07179.17221.92237.87246.71248.85212.89190.87200.27214.58203.37233.81212.16277.98189.37188.69217.39210.82339.87321.45237.34226.21312.18240.13408.98

31-Jul-1997232.67199.490.000.00181.64227.43220.68252.95108.13234.29227.59382.91248.64148.77237.28131.13211.57268.77153.41230.73172.03251.38417.15256.27158.75318.53208.48155.28250.77384.04232.19148.78261.40153.62222.74302.13239.20274.58318.10298.13203.02241.52245.09284.94269.59227.82229.39213.73238.82214.64256.37242.35333.62209.30207.71247.60245.76347.58358.06243.77248.06362.62269.21389.90

31-Aug-1997227.62188.310.000.00173.28211.97213.65234.83114.55218.09235.97338.00206.15141.40221.55128.80202.80239.78156.86202.72162.96225.66418.57246.13149.87311.87190.98136.92221.65359.08203.19136.68242.23145.42217.25253.59228.28277.94299.86279.16194.02224.91221.73263.80276.07218.61224.75242.79234.47236.32245.51230.13326.26197.87204.35236.42240.18322.92343.80236.28236.63314.10246.37422.62

30-Sep-1997256.99198.620.000.00178.22211.32205.19247.29130.92217.84219.21363.61219.96148.42218.88127.94212.33261.86167.33229.75180.19232.32419.42257.36156.26330.98194.35137.82242.40359.42210.82154.43251.34150.30251.76264.09240.37287.00326.05313.01209.86240.25240.30295.80297.11222.21245.06272.07246.07254.54279.67250.75379.41223.32220.50260.20261.07275.35351.03257.60246.48365.90262.72408.98

31-Oct-1997260.96191.990.000.00176.41188.13195.62236.23144.60192.08209.16373.40204.19151.88202.22117.97203.63248.63160.46203.54192.73196.79349.98239.15127.85325.46193.29129.68216.48353.14208.30161.06217.21143.63249.81255.29223.73293.96336.57313.51198.05249.62258.20290.15300.36217.97236.87243.78236.64260.83294.31244.99387.05218.94220.50253.59249.06269.16374.91275.26241.56360.48275.06425.25

30-Nov-1997278.42200.880.000.00188.91173.90214.75238.88165.31213.23195.64407.07225.88175.04216.48120.31203.56284.22153.50201.89193.81203.67352.82266.38135.67306.60212.78140.59230.01384.38233.38183.84233.51164.40270.60256.36220.52294.30344.51337.80236.29270.80281.21318.99309.81224.12245.08256.51262.44268.12285.27273.69399.37248.04231.75289.32273.80395.24412.64286.58241.60364.10322.78438.93

31-Dec-1997305.07204.330.000.00159.10181.98225.42270.99182.35196.43197.94431.08241.01182.53214.69120.19204.18283.47162.15206.47203.70212.93319.30254.52123.18308.72222.71138.42258.29351.10244.49185.43226.89162.11283.84261.15234.70345.94367.04359.60247.47292.93286.59370.91349.66256.45267.47273.08275.57313.54324.63269.59443.75262.44254.33336.76275.25406.40439.96315.00253.99336.12334.09497.67

31-Jan-1998274.13206.590.000.00161.89197.49206.74254.10186.25191.16196.97396.57234.01197.31202.40129.49197.93299.40154.64199.02209.32213.61368.30240.23130.50303.89226.30136.61286.00405.26240.83198.03253.18163.65282.21257.12241.45319.90329.97376.04269.60318.27304.11345.95308.41244.50230.90256.01252.95280.74330.12248.61424.45239.42235.87299.60267.05408.73422.23287.74237.26339.95314.15471.62

28-Feb-1998285.17221.490.000.00166.44190.67216.70273.46181.42218.37223.90446.13248.01206.66220.26131.14214.14300.37185.42221.78221.00234.33407.80254.58133.86351.73255.63158.42310.83460.44260.81192.61279.31190.37293.64294.16268.56336.86353.83401.69256.95328.58322.90358.43335.71270.71244.40272.13274.54296.88359.85269.52451.70257.70239.64326.98285.37437.43451.46289.20262.66355.17355.01471.62

31-Mar-1998321.23232.830.000.00177.54178.81209.58278.77196.52209.81225.96481.22280.44197.08244.29129.64227.16334.27182.23210.25234.16231.23354.94253.21134.58382.39249.06174.20313.47486.25259.27220.93288.69209.19310.28314.94302.58367.40390.87423.56307.55326.00324.96389.09340.08292.18262.37277.94296.34294.35320.78302.82507.02278.31254.23334.98291.66462.02455.11290.96283.56379.47359.88577.19

30-Apr-1998333.72235.170.000.00184.12201.39186.64310.95179.71201.51234.69491.74274.78230.30261.58144.26245.42330.39181.22250.06241.30241.21367.58282.46149.83394.87242.49179.65294.67489.64253.31212.23307.84208.16327.68328.17281.35366.70395.25401.92280.15309.92317.25375.44364.56296.69288.38271.27311.52296.25307.66287.83492.79282.42264.46341.48315.12437.91486.38290.42301.35372.34345.27562.02

31-May-1998312.73231.130.000.00181.74181.16187.90312.28181.95192.75226.45492.25283.84209.39278.48143.52238.15323.36194.64206.72272.03236.19324.94286.96132.69387.39235.06190.79286.12460.78258.51199.10295.06226.94302.89326.01263.71360.91401.57394.79267.84309.60311.69336.19336.11281.66296.09249.82299.16274.59293.74281.60480.35269.86249.30325.94306.66418.85469.55275.97277.58375.33338.05560.65

30-Jun-1998288.97240.520.000.00161.26172.19200.11346.82171.74179.88218.07487.22310.22194.25269.46146.91241.10352.45180.93199.19287.83245.17337.16280.40124.04430.32251.86200.60328.38588.79280.66204.86290.36250.43311.31332.82268.78368.75394.97399.02293.90314.45323.23431.25335.93288.52291.46257.07280.92259.65278.77295.10486.57251.75250.40349.54315.64444.82493.48277.45292.65346.27326.09584.01

31-Jul-1998283.78237.960.000.00147.41181.00222.66336.53182.26156.67201.04541.46292.08191.28223.69168.66237.30348.01195.83184.64290.21240.33384.07323.60128.72433.08262.92194.24303.37597.28245.44210.91300.95260.22314.28346.11248.92384.98381.78406.57279.84319.54324.52426.12333.93296.94253.25255.34268.11285.71261.98279.82487.70253.74246.97324.93283.37416.73537.91259.39302.70319.98314.14540.08

31-Aug-1998215.74203.560.000.00135.36157.26211.22237.82150.69125.33174.10357.28236.30152.40210.01157.94222.38311.29158.55161.56264.22190.31323.92275.52107.35300.65235.63164.13284.65521.22236.55196.09228.70243.22272.21249.55183.30306.89270.86315.30217.13294.21271.29364.08253.44226.54209.02192.03202.78224.72202.84245.83380.16202.29211.15261.49218.57340.64423.95191.57243.80256.39260.11422.97

30-Sep-1998235.65216.600.000.00145.61186.48237.45236.68176.68139.00184.46301.93209.59140.95204.12155.41240.01310.70149.68176.65273.95196.20390.18314.36135.28246.97267.22173.78319.53597.96219.93228.62240.91225.46271.79233.69206.15328.12307.59332.62241.42333.83341.67394.70292.50255.53224.63213.72229.61243.87180.23275.90400.17211.70222.51282.18241.71371.27512.59239.16259.31270.41314.75449.84

31-Oct-1998232.69234.210.000.00157.34208.14262.48269.42188.96152.17187.46379.91245.73149.94209.56156.68243.40341.69172.36201.06302.12215.96405.82363.29134.74328.03278.31195.25333.10575.21275.17239.76300.20285.05320.07251.16236.81394.13339.27391.41251.05369.23395.89454.76339.36278.36249.00244.56241.04248.98190.62271.14400.03237.61227.12294.80271.68435.89586.23223.44293.83301.75326.78586.78

30-Nov-1998227.15248.410.000.00160.14195.93287.19306.02188.02165.13206.23406.18255.36179.16214.90147.69256.33352.92192.04208.77345.04244.90489.92404.55126.73366.28278.28204.24382.58662.82271.87248.17339.04310.85336.50284.74250.17407.23368.88391.41287.75379.34416.54455.62358.77290.10260.38252.00245.81261.27214.88283.52423.93245.04237.86298.33273.13414.74567.82229.15309.80312.32317.44558.44

31-Dec-1998252.63262.720.000.00141.49196.76276.96313.48229.98132.62191.89401.64244.19166.99193.69146.42249.92399.67196.68228.51424.61246.64539.71451.71130.74409.94287.27223.92365.01753.48283.31277.62343.99336.47365.47264.45249.83444.43344.81415.79291.74385.85444.55490.84409.93313.00252.13257.51256.32299.74194.71305.66485.01256.62248.93299.85299.30452.61723.40218.03310.12309.30350.94691.34

31-Jan-1999225.29273.710.000.00154.42220.51242.66315.31275.52141.00181.82454.64238.04183.68186.84132.94240.09410.93246.67262.17419.84217.07641.57448.96115.42446.45291.55229.75363.16950.76282.90280.77377.79355.32352.95294.13256.26423.62347.91380.73276.61381.45427.73471.06393.78310.37258.15266.61255.32303.91179.12301.69427.95245.19236.97301.37275.58469.12685.96221.34267.73340.48307.55642.85

28-Feb-1999217.52265.200.000.00148.42214.74202.54332.55249.33145.37191.26476.43232.80195.86188.50135.48228.77393.05228.18222.24414.20231.23546.13416.43123.29462.05293.27247.78403.37815.62278.62274.92392.99355.83376.48287.26262.98419.47359.86403.98220.56366.40406.17454.71409.93300.74258.70271.97260.41288.37166.70296.65448.32249.38234.65327.03267.16449.08651.45219.82274.34324.27324.72709.35

31-Mar-1999217.52275.810.000.00141.78218.38184.17361.57243.29138.74192.84517.99224.23173.25213.30130.75242.52434.97240.44227.37432.20274.89541.29434.83123.84472.20321.18264.47397.93973.85304.89245.35429.67381.28366.31312.71271.42400.78360.45382.72218.38362.48396.34455.10396.35266.80263.01266.62244.76285.47171.59281.79430.49266.14215.22304.58244.79388.26698.41213.74274.99331.36309.80738.61

30-Apr-1999242.36286.490.000.00178.35330.06183.52401.29230.91165.77271.59608.87248.66176.73259.68153.01285.48414.33246.14264.46414.84328.33557.23513.18156.50481.20334.92247.32349.51883.53292.89291.22459.61380.50382.92316.86286.36444.32390.31398.81264.51372.72433.08494.79466.69305.35275.74305.40249.81360.46237.66306.96461.55279.18234.64325.25281.17419.04703.78210.73283.67335.36381.60740.69

31-May-1999234.58279.730.000.00172.92292.59201.83371.74253.77172.20231.51538.73250.26162.12241.58139.31275.89399.83231.64316.22392.71325.40492.57569.79147.45422.15319.14225.00335.85876.74291.52267.06394.75352.58342.66286.42278.81406.07356.96370.46240.06356.96403.26470.63445.73291.62261.64298.40282.71361.71235.64283.16437.19276.17235.42319.66266.82381.16674.51203.34240.13311.40355.04708.06

30-Jun-1999215.68295.250.000.00175.31329.17212.54400.26256.23180.13253.13579.39227.08171.51252.19139.57266.39444.31221.57337.54447.70353.07542.11634.88148.19504.53337.66240.34367.13979.97278.64302.98457.96399.56282.18326.92295.89408.16349.12366.58249.55358.60402.16460.83416.67316.72270.26303.32261.36332.64238.09280.22438.48277.98240.51315.04274.48378.12657.92219.96245.00290.00379.45708.51

31-Jul-1999215.01286.030.000.00177.33318.53197.01405.26239.30185.76248.69545.22221.81153.42266.26142.40274.17429.90205.20351.60443.35362.52628.67617.38150.40451.63313.75243.62337.21932.43283.75299.69424.17349.88278.38295.98271.05394.40324.80342.29217.95363.62397.83450.44398.32289.07264.57287.18256.27333.93241.46256.70426.04256.89222.52301.70254.96348.39612.40220.55239.15281.74346.17647.14

31-Aug-1999178.80284.620.000.00191.68344.55198.00422.94206.59186.07240.21543.69219.07154.46235.09152.17273.80442.96224.24353.91427.57345.24749.13612.45139.45490.46353.31242.08335.031005.77310.97252.14421.79366.96266.21269.78199.33374.82295.63321.28188.70327.69357.09458.66348.02284.16250.81285.39237.96303.78212.80238.36374.40254.16220.96291.62255.59357.90630.02209.98218.13260.70355.24555.09

30-Sep-1999162.09276.820.000.00194.85331.20183.09415.25200.71175.03232.52538.34177.23144.72224.42156.70263.82468.99213.02305.26477.10336.81677.35594.93142.41441.74317.46253.05324.55984.04293.73269.24378.34394.30287.38250.19174.86362.24306.68314.39188.70330.65361.64422.92307.80263.19271.53255.03211.80296.00233.93230.27402.80255.98189.07296.26261.30357.29604.61202.82187.25240.17353.57618.30

31-Oct-1999157.53294.330.000.00192.82324.20134.89474.42215.70189.15236.10665.46216.71147.50239.03142.84257.10535.99238.41249.55526.64319.96705.84483.07155.93514.05361.95241.35398.411005.77329.65268.25385.91469.95314.20289.50189.93409.54325.75369.12198.85375.06375.55513.07372.09313.50308.64284.44229.24348.20292.72256.98429.41292.17189.47330.33290.86409.87693.09223.98224.70297.35427.18661.06

30-Nov-1999158.65300.320.000.00194.90350.73140.58466.14257.80167.38197.95660.86247.38156.46221.72129.11276.93514.73245.46319.13550.95338.11699.26507.38155.34458.08359.46264.30394.02989.30341.04273.52361.68476.69276.65262.83177.37363.10289.42329.14165.10352.88343.38486.57359.78271.73279.17265.83221.55348.49276.92217.24419.00273.18172.92322.34279.08382.38613.46214.54206.20239.95416.71724.15

31-Dec-1999133.23318.000.000.00199.62444.43125.59512.16235.46170.73200.89683.10214.47164.18245.74138.23281.29613.73247.81383.21717.50325.08750.55531.08167.99457.71323.08236.11337.721268.59344.38257.04416.09573.49239.19227.43162.90308.21255.23292.11148.22330.70328.31511.71314.31252.14277.96231.18183.36327.02294.99206.35361.74218.05159.96314.03274.83381.72502.28198.50175.27214.09362.38663.87

31-Jan-2000122.78302.030.000.00190.95373.15113.98508.32244.44183.35182.33699.20211.48203.82220.09129.11291.33529.95274.65364.68590.96270.49902.15552.61141.76478.13298.18218.91396.151063.50318.54227.33338.87454.23215.97219.50151.77319.09259.40276.46153.21318.97350.10462.89288.12227.70244.25208.78174.04266.82228.21191.35357.86237.73154.39252.78237.89364.92567.67172.12177.93212.22358.46666.49

29-Feb-2000130.06296.310.000.00180.99368.02110.23414.02228.80152.74150.64637.37179.03188.03189.68120.51264.48524.99260.95453.12603.35272.321030.67506.35110.21471.84250.36185.23309.44971.14276.98201.81327.32405.49177.26208.45131.72266.62211.94230.32146.95282.05291.25363.08190.24197.37236.91202.13142.68240.41183.29169.84344.70191.60128.93192.53204.41314.50423.52139.87159.63185.04297.96598.15

31-Mar-2000135.67325.300.000.00181.76377.42118.08459.53261.90156.36169.44736.55173.49231.53198.84114.20273.70619.04284.11448.14673.67298.141203.40581.51127.98516.65244.28218.91313.781154.50178.08223.35406.04469.30187.85240.23178.56318.38282.58265.07160.57301.01309.63441.04227.05267.30259.25219.05160.06302.23213.94181.97376.27223.18147.15213.52232.32364.81549.20157.43201.56221.62367.24469.22

30-Apr-2000123.80315.510.000.00177.78348.55122.27462.04216.84164.11170.90734.61174.65243.11178.18118.54272.82625.51321.20455.31590.12316.891156.65549.47110.02429.77286.87222.94351.03757.89189.24233.54399.61459.95183.14224.48157.86304.18273.33268.24163.36322.37321.89441.92212.38260.44283.67178.67155.85243.03234.48152.06344.31218.11131.83200.40204.16358.77595.59147.21172.48216.02370.06467.81

31-May-2000123.80309.040.000.00177.15315.19146.03500.67161.33162.14165.75766.99197.28235.39185.32126.54294.13628.74243.76405.35509.82310.531137.56529.77104.13445.04312.33209.76378.38679.80210.62232.88389.56481.76227.15256.27171.44334.88308.80320.46181.84321.37311.82476.05229.14279.11345.46189.68179.37255.17243.19178.89352.28250.92145.94229.28241.85386.56612.05162.49193.00242.96409.44528.13

30-Jun-2000126.61316.650.000.00170.43312.83151.27483.29148.09173.55146.80743.09212.98217.85165.46126.01277.14632.47200.40530.69522.00191.291219.67540.5789.82411.70355.52192.92388.52869.27181.32230.54379.49479.16200.22198.77139.26272.76312.19286.35179.26278.94284.86444.66187.07250.97339.74156.48150.54218.34223.25152.62321.71234.36129.71191.69184.93342.76507.97145.26136.09244.01351.11519.82

31-Jul-2000127.05311.700.000.00186.06326.32143.80526.39144.87203.39148.94870.28227.34217.15171.37116.22282.44615.51196.52464.02540.95193.061217.96554.75102.44447.09324.77184.50363.49758.57181.20228.20376.26456.82213.73219.00166.79287.34292.68325.43208.74268.04277.39435.65206.13264.35382.92170.76150.01238.07278.76161.29331.95256.60130.11208.63193.78350.05476.31151.76141.58273.87374.33495.57

31-Aug-2000153.59331.070.000.00193.29360.10168.71549.03147.50223.24160.69962.47195.13218.55170.92132.76289.72702.26251.23513.16502.81220.161366.63651.9896.73502.77321.90174.98355.99758.57196.93223.85403.71394.45232.00250.03184.81311.82325.02359.33224.68288.86296.29487.06248.48317.46396.87183.69174.94257.89288.70190.25384.36297.26141.94240.97201.35382.87575.80160.35161.38298.37393.40509.16

30-Sep-2000167.14313.590.000.00189.39274.13170.81564.12138.65262.27147.57891.37205.06214.69157.8387.18316.34691.93226.21412.87555.11203.39758.61555.6787.06415.60328.91176.81379.23655.35213.46268.08447.75400.61160.59244.49203.60347.11350.25375.49223.94384.25381.54570.05233.15290.03446.87161.58219.35265.17300.05201.04465.00327.84149.67268.75203.13414.24543.53174.90179.51339.40418.45581.87

31-Oct-2000150.69312.260.000.00200.82310.69212.51557.89109.45282.30155.06867.67224.59201.01172.8295.71316.56657.44216.21395.84449.85307.23821.35486.52110.58412.29322.56181.57458.20748.39228.66310.76451.39377.72179.06224.36192.40370.31329.59387.53222.72415.29423.44543.60262.38282.60467.19158.15213.93239.71334.41196.84438.22339.94155.44276.77199.05421.57478.24181.54169.05377.60421.86653.51

30-Nov-2000123.49287.640.000.00208.83306.58221.58510.8192.63288.12173.85823.46233.60162.42162.4990.50313.88594.47173.77269.22410.38279.34695.03462.42103.58334.13351.31187.91472.21623.43239.67295.95459.39434.43191.11189.00188.77387.74347.60334.52220.86426.08426.53567.41288.04281.42488.57167.77218.73226.99309.38227.92459.92338.04159.98290.87208.71432.56470.65182.55142.86389.93434.35623.77

31-Dec-2000147.29289.050.000.00251.96364.37258.62510.8181.60275.35209.23844.13227.30163.51185.5384.85310.09576.89178.81269.37478.44271.10548.94420.38124.79411.72369.10200.44478.80471.31251.07257.23510.08442.78198.59217.09194.26433.48418.21384.35298.94467.88487.40634.10332.98281.89563.13180.44245.60270.69331.17264.75533.19371.39182.13350.66258.77528.94568.57191.94158.14455.37509.89712.98

31-Jan-2001150.56299.310.000.00231.36401.24258.62438.57113.49244.06197.15925.25216.34172.05167.8693.99300.15553.58188.51314.50504.76270.74675.62553.92118.18501.43327.18173.02420.27663.50231.10261.78486.43473.41225.67254.69207.92428.20409.01390.34287.42401.73431.67628.79371.10325.25446.67172.08233.84289.12282.32262.78535.30378.80198.38382.44274.79543.33577.13208.59192.92416.59473.83638.04

28-Feb-2001161.93272.020.000.00237.03390.54283.19408.58108.80260.26185.47815.03197.81174.88169.1597.90290.60559.59188.89246.22445.06268.80521.86494.62115.96425.47343.09173.32410.14641.09226.79258.26506.91417.48226.85239.03187.07422.36416.28412.02263.69431.62465.99571.09356.71312.04458.09166.51230.70287.30284.70253.01546.67355.67200.05367.05271.60546.27567.35206.96185.41443.53456.63658.13

31-Mar-2001153.97254.780.000.00218.42392.61281.89384.56100.93233.11197.86745.43169.07161.60157.5786.78290.42505.54183.69267.58451.78234.69480.75476.20111.09409.42308.34156.52389.93594.23201.38241.64476.92421.51221.67262.00193.06411.13412.49400.94294.22431.08460.14569.26358.04285.56542.02161.06228.93282.58336.14248.83567.44346.71191.47396.87267.76532.75571.96209.30189.02472.71455.07596.86

30-Apr-2001193.38274.580.000.00250.19452.13297.69396.05105.57258.59225.41814.54172.93170.92174.9694.63317.67586.10194.17243.28493.71281.16564.75570.08120.64441.18340.10162.12390.29736.16194.35224.66508.02431.86226.16267.98201.54416.78427.07335.29254.93436.28467.02572.70378.54290.25490.24170.33205.68270.01319.29255.76585.16335.39205.02412.49262.38567.87522.16209.37171.66433.97432.07610.61

31-May-2001206.50276.420.000.00250.47472.95305.41393.06100.32263.84243.19851.67177.46178.66181.01103.92319.79591.77203.40250.89516.67278.40493.81554.20118.51451.94342.97178.51376.72751.70207.91234.46543.52431.94242.51286.23211.31425.37443.95370.95231.39448.13469.86627.13412.49317.09532.96169.31213.58275.01345.85275.41629.02356.94208.92435.71255.46599.44549.77225.83186.12464.39435.27622.66

30-Jun-2001236.93269.700.000.00241.01431.85304.83362.08104.44233.25224.73878.09169.13163.24188.19102.50314.89588.75230.03245.46488.33201.27534.77560.15110.61410.10353.76159.52329.86793.21206.49218.18477.95407.89246.71290.00192.10431.84468.17378.45274.11462.86484.42641.78404.77300.77537.06187.23233.97290.08357.00289.32683.24339.10217.45453.68269.43621.80566.58240.16201.65489.55429.26678.56

31-Jul-2001214.06267.040.000.00236.32429.99273.30377.11124.25245.55249.05834.39167.63148.89167.0495.10301.08527.08227.35211.65528.40213.17545.01521.53126.26401.11382.77171.79350.87719.21231.12246.82478.87467.24265.26307.34207.71437.51471.25404.66259.34454.17487.19673.53401.16286.06540.49209.67240.25316.99368.80304.94719.76344.60217.45447.92288.03676.69590.20248.90204.30531.29425.84672.23

31-Aug-2001202.37250.320.000.00221.09419.45284.71340.55117.06215.47226.00763.49182.93143.69161.1799.04291.10496.55197.29199.20482.44216.50511.51496.12125.14364.99374.18177.03337.78619.90241.30224.24447.62401.62253.78297.10186.14435.97431.20392.57248.50415.77447.61623.08375.62283.36484.27208.19227.95300.89343.65293.07661.19345.85199.78427.51285.75610.31602.63247.84199.98490.90427.80660.81

30-Sep-2001173.52230.110.000.00208.98341.22293.55271.73118.91140.98202.49675.14176.72105.21147.6072.12285.66452.78154.59138.44402.85153.40373.93455.27108.61316.35393.28160.00345.57556.01236.88258.27304.31414.38243.90284.70169.92432.06437.57366.84263.05436.77464.22659.31434.36282.74486.19200.05219.23306.68321.24284.34659.85297.34198.05446.99278.64549.49556.28238.93180.11504.54413.29619.27

31-Oct-2001181.31234.500.000.00221.68356.73284.49275.9393.96137.19203.66758.82180.61105.04157.3256.69286.03443.16148.90145.17401.38171.70446.74536.43111.61330.77411.10153.69331.09631.85241.41210.08352.67430.29233.37287.58179.21383.48422.53305.19239.63443.34484.36605.04405.60252.82406.70178.32193.08317.23254.37253.37623.65287.61184.67397.68250.44458.31445.93228.32166.17398.91367.27553.03

30-Nov-2001202.37252.480.000.00244.61426.71286.74308.55107.76148.45215.95801.26177.82115.66175.8368.14272.76468.60181.09189.67490.35193.72597.93574.46125.32352.85414.76159.52351.53697.70253.45206.06395.49461.68247.27299.23202.16407.97430.30340.08254.94430.42472.58644.40422.39285.39433.27187.10210.62333.88287.98268.73677.07303.59197.44431.92266.34467.87476.02244.73181.24413.31400.38559.47

31-Dec-2001224.16254.700.000.00252.35392.99282.21334.62111.99164.01237.95844.42178.54118.21168.5866.25286.62489.98177.08177.85536.18197.70575.78601.15126.58340.03420.81157.32306.71719.86258.91215.92424.59482.37258.17309.85212.00431.38424.05382.54245.87435.35468.53660.15428.60283.45493.19200.59223.86343.94303.57280.63715.07294.42207.42435.45263.98501.28529.68254.43183.64432.07406.65609.29

31-Jan-2002235.24250.980.000.00236.96396.31308.43336.87109.28173.19230.60795.57165.66120.15175.1663.93284.79454.16186.33191.44526.51196.47641.50536.19131.06321.50409.49161.54308.69692.26268.53207.77451.52502.74284.80310.24203.58424.13465.13375.80239.13445.12480.85680.81403.30261.09533.50204.33226.35321.33329.54272.62749.60304.97216.63434.92259.35553.11526.89255.17194.70456.75436.41583.34

28-Feb-2002232.49246.140.000.00253.09417.17324.13342.5095.94195.18254.59759.48179.45131.22187.2370.91303.01472.85194.92174.21525.56224.08523.00488.28138.04276.18434.99155.13319.90633.92278.76209.94480.93519.75288.90317.74194.57445.43479.02399.57246.96430.27456.64686.30407.79261.91534.86215.29230.67333.07330.26276.50778.41290.13225.15449.15266.17586.32527.65265.43196.01432.93441.21614.76

31-Mar-2002257.81255.400.000.00246.82419.06327.78384.8897.17204.91260.74831.15198.71131.67188.4670.16321.57459.95222.40155.94511.48224.96557.07517.54135.71336.61463.91164.93302.02655.32296.18207.72489.17514.41303.21337.97228.00458.67490.98420.95269.21439.23455.54728.82417.22274.62532.76231.73248.01339.89336.71298.21800.47324.72239.99469.24282.87612.79576.04270.16218.72440.92464.73689.44

30-Apr-2002265.25239.910.000.00269.98377.86338.74386.1381.20189.41252.11726.76211.07132.24177.8772.50294.72387.49236.02148.64487.91215.61524.10416.82130.72334.63456.13168.80285.03567.85297.99173.60462.60468.76313.28360.13223.03461.45556.40422.84281.01435.82469.77740.81460.19276.98573.79238.67261.60347.59351.13305.43874.86293.58245.02474.22288.17543.63604.89288.54224.39505.66481.19629.07

31-May-2002284.55238.140.000.00270.49390.12356.29400.2674.08181.82241.26727.64211.26130.70185.2876.88294.67382.45230.36165.94438.66231.53506.34401.08136.77342.73439.66177.95299.50553.18295.65191.65455.61453.99306.25376.67221.72455.39572.87431.25296.84441.78471.21703.87463.65279.28587.57234.91256.87340.82358.24325.79890.49299.44251.87464.61291.36535.79603.61288.88227.74520.94495.61642.89

30-Jun-2002274.81221.180.000.00265.25369.72275.34341.9766.48191.84225.93652.99213.72107.83178.8367.40301.98358.96198.11133.42386.97208.08334.93358.95138.29323.38374.52169.09267.31594.36297.09170.47449.19462.23311.87352.46211.10467.75544.07416.27290.46407.22441.49722.43459.01256.38577.66230.26256.87339.56333.72325.50901.82278.31247.63467.29288.89556.48601.13279.59226.61497.35473.48608.22

31-Jul-2002266.82203.940.000.00271.36303.36290.28332.7163.25177.00208.01565.20190.59101.15168.8071.12271.28397.89172.54123.55325.34191.13344.47350.97126.36240.55379.82147.10261.82521.34297.58155.91459.78413.24311.04333.12213.46452.17536.79394.30305.87415.36446.90716.14448.58183.86552.21234.06247.08330.34310.10305.33926.31226.70248.19451.55280.70485.31550.67267.59212.48505.02481.05589.66

31-Aug-2002282.11205.280.000.00270.76281.38315.18340.2675.93158.77203.08593.88194.6389.46163.7470.57263.28372.55179.38117.27346.93177.94305.99376.61120.26254.43390.65141.22266.68533.30296.44139.45394.46449.37313.13351.06224.65464.75536.97396.61316.63420.30462.41726.44459.01194.00571.65239.39255.33337.71296.49308.00957.33247.89251.64472.42289.83488.74553.24271.26220.30510.42496.40640.08

30-Sep-2002237.54182.970.000.00238.30216.44247.95294.2274.84146.18173.20537.66183.7586.38146.5262.94236.91306.62145.80102.50275.41128.68254.96291.33106.66183.01389.00104.96243.05475.27298.88113.30375.20414.32291.95322.44206.25427.98497.24329.72284.42330.23404.68666.43418.28163.45522.80217.52237.63307.80201.06281.91863.13226.80232.06436.60263.95419.78483.38239.82195.43424.83458.07510.12

31-Oct-2002259.74199.070.000.00275.07247.40260.41344.0781.26127.42191.74673.30178.0895.28167.5678.19249.98314.09124.62138.77304.74142.23317.55394.40111.58203.70422.59107.64288.41581.00297.11146.55409.61450.58275.90352.77212.70446.84506.60298.54303.48372.64445.80691.13447.35188.05580.65226.13232.49310.78206.62271.38882.85221.57240.58461.26261.20417.13548.68249.70207.98486.61480.04471.21

30-Nov-2002254.94210.790.000.00282.73288.34241.05368.2989.46146.62234.22708.47175.64113.08182.7787.61260.17337.35151.00171.09278.57155.80383.68435.07126.25247.09411.54111.46315.90626.74283.94162.77416.56453.53268.44354.18217.78468.28507.18323.64298.09351.41417.28609.50444.94220.93582.56234.02251.14315.43229.95278.08799.07229.96246.76473.75253.71424.05569.75260.66211.71489.61442.05484.66

31-Dec-2002259.18198.410.000.00268.47257.08263.07335.1883.89142.06214.60641.23168.7194.21173.6783.15261.22305.22140.20153.11254.04143.76286.11387.92112.48235.61387.6596.88302.85561.77288.68154.83413.03425.64273.55354.87202.68455.96484.09298.93312.30358.54429.09640.09437.16197.89604.53225.67242.00303.88203.49273.28774.50228.33239.02450.37246.19397.95557.21248.64219.48469.87448.36463.45

31-Jan-2003251.73193.210.000.00271.19223.11245.81336.8862.59136.03207.96630.13155.71101.08155.1271.90255.31290.05138.18153.55221.05146.40288.50391.42114.83232.193

Documents

Sovereign Bancorp, Inc. 2005 Annual Meeting of Shareholders Thursday, April 21, 2005 Reading, PA