Exhibit 12.1

Ratio of Earnings to Fixed Charges

(in millions, except ratios)	Nine Months Ended September 30, 2012		Years Ended December 31,
			2011		2010		2009		2008		2007
Earnings:
Income from continuing operations before income tax expense	$	272.7	$	285.4	$	122.0	$	144.3	$	204.8	$	224.7
Fixed charges including interest on deposits		89.8		141.3		139.3		199.0		289.9		226.4
Earnings including interest on deposits		362.5		426.7		261.3		343.3		494.7		451.1
Less interest on deposits		68.8		107.4		112.8		173.4		262.1		213.6
Earnings excluding interest on deposits	$	293.7	$	319.3	$	148.5	$	169.9	$	232.6	$	237.5
Fixed charges:
Interest on deposits	$	68.8	$	107.4	$	112.8	$	173.4	$	262.1	$	213.6
Interest on borrowings		10.5		21.1		17.0		16.6		18.7		6.8
Estimated interest component of rent expense		10.5		12.8		9.5		9.0		9.1		6.0
Fixed charges including interest on deposits		89.8		141.3		139.3		199.0		289.9		226.4
Less interest on deposits		68.8		107.4		112.8		173.4		262.1		213.6
Fixed charges excluding interest on deposits	$	21.0	$	33.9	$	26.5	$	25.6	$	27.8	$	12.8
Ratio of earnings to fixed charges:
Excluding interest on deposits		13.99		9.42		5.60		6.64		8.37		18.55
Including interest on deposits		4.04		3.02		1.88		1.73		1.71		1.99