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The following table presents the cumulative balances of the components of other comprehensive income, net of tax of $27.8 million, $39.9 million and $.5 million as of December 31, 2002, 2001 and 2000, respectively: 

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Unrealized gains (losses) on securities included gross unrealized gains of $80.6 million, $44.6 million and $17.1 million, and gross unrealized losses of $.4 million, $30.2 million and $18.3 million, as of December 31, 2002, 2001 and 2000, respectively. 

During 2002, the Company reclassified $101.5 million of net losses, after tax, on derivative instruments from cumulative other comprehensive income into earnings. 

During 2002, the Company reclassified $4.2 million of net gains on sales of securities, after tax, from cumulative other comprehensive income into earnings. 

## Cumulative Other Comprehensive Income 

## Summary of Acquisition Goodwill 

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In October 2001, the Company acquired PeopleFirst. Based in San Diego, California, PeopleFirst is the largest online provider of direct motor vehicle loans. The acquisition price for PeopleFirst was $174.0 million, paid through the issuance of approximately 3,746,000 shares of the Company’s common stock. This purchase combination created approximately $166.0 million in goodwill, as approximately $763.0 million of assets were acquired and $755.0 million of liabilities were assumed. 

In May 2001, the Company acquired AmeriFee. AmeriFee is a financial services firm based in Southborough, Massachusetts that provides financing solutions for consumers seeking elective medical and dental procedures. The acquisition was accounted for as a purchase business combination. The initial acquisition price for AmeriFee was $81.5 million, paid through approximately $64.5 million of cash and approximately 257,000 shares of the Company’s common stock. This purchase combination created approximately $80.0 million in goodwill. The goodwill prior to December 31, 2001 was amortized on a straight-line basis over 20 years. After December 31, 2001, the Company ceased amortization and performed impairment tests on the book value of the remaining goodwill in accordance with SFAS 142. 

In July 2002 the Company’s Board of Directors voted to adopt a Termination Agreement and Mutual Release with prior owners of AmeriFee, ending the original acquisition agreement and settling all contingent consideration provisions. The Company agreed to terms that would provide a one-time payment of up to $55.0 million, payable in common shares or cash at the Company’s discretion, to prior owners of AmeriFee. On November 11, 2002, the Corporation issued shares of its common stock having an aggregate value of $54.9 million to the prior owners of AmeriFee in accordance with the terms of the Termination Agreement. Of this amount, $43.9 million in common stock was issued under the Corporation’s existing shelf registration statement and $11.0 million in common stock was issued in an unregistered offering. The full $54.9 million was accounted for as additional acquisition goodwill. 

## Goodwill 

