Colleen Johnston

Next year we would expect credit losses to rise in line with volume growth, we are very focused on organic growth and we know we have lots of opportunities there. That's not to rule out M&A (mergers and acquisitions), but we don't have anything coming to fruition at this point.

Colleen Johnston

We actually think our growth in that business will be slightly higher in 2015 than it was in 2014, our lending growth.

Colleen Johnston