target and maximum levels, assumed, for Mr. Hoyt's Wholesale Banking Group, continued double -
digit loan
growth and favorable credit quality; for Mr. Oman's Home and Consumer Finance Group, improvement in the home mortgage business due to cost control and expected improvements in the yield
curve favorably affecting earnings from hedging activities; and for Ms. Tolstedt's Community Banking Group,
growth in deposits, especially low or no - cost core deposits, continued loan
growth, and stable credit loss rates.