ITEM 7
MANAGEMENT'S DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATION

The information called for by this Item is incorporated herein by reference to the Management's Discussion and Analysis of Results of Operations and Financial Condition section, Glossary section, and the Consolidated Historical Statements of Income and Consolidated Average Balance Sheets and Related Yields and Rates tables appearing on pages 3-62 and 148-150 of the Corporation's 2008 Annual Report to Shareholders.

ITEM 7A
QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The information called for by this Item is incorporated herein by reference to the "Interest Rate Risk Management" subsection of Note 26 to the Consolidated Financial Statements, and to the "Risk Management-Interest Rate Risk Management" subsection of the Management's Discussion and Analysis of Results of Operations and Financial Condition section, both of which appear, respectively, on pages 140-141 and on pages 29-32 of the Corporation's 2008 Annual Report to Shareholders.