ase of $7m in AFS (KCP Mio), $3m increase in Lending, partly due to a $1.m BOFR lending credit. WM Capital Markets (excluding other) is $(9)m behind YTD Plan. NTLP charges are $3mm higher May YTD ($11.3m vs $8.7m in 2014), which reflect structured lending and not mortgages, thus are primarily USO related