| http://www.w3.org/ns/prov#value | - Expenses for the fourth quarter of 2012 also 
included non-recurring advertising expenses related to the conversion of B2B 
Trust to B2B Bank. 
T&I Costs for the fourth quarter of 2013 totalled $10.0 million and mainly 
related to IT systems conversions costs, employee relocation costs, salaries, 
professional fees and other expenses, as noted above. 

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