Excluding the impact of the $600 million related to the U.K. bank payroll tax and the $550 million related to the SEC settlement, diluted earnings per common share were $2.75 (1) for the second quarter of 2010 and annualized ROE was 9.5% (1) for the second quarter of 2010 and 14.8% (1) for the first half of 2010.