DFS Annual Report

PART IV ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES (a) 1. Financial Statements The financial statements listed in the accompanying index (page F-1) to the financial statements are filed as part of this Annual Report on Form 10-K. (b) Exhibits The exhibits listed on the accompanying index (pages E-1 through E-3) are filed as part of this Annual Report on Form 10-K. (c) Financial Statement Schedules omitted Certain schedules have been omitted because the required information is included in the consolidated financial statements and notes thereto or because they are not applicable or not required. 47