﻿<?xml version="1.0" encoding="utf-8"?>
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <roleRef xlink:type="simple" xlink:href="../../../common/ptr/2005-02-28/usfr-ptr-2005-02-28.xsd#AlternateCalculationRollUps1" roleURI="http://www.xbrl.org/us/fr/lr/role/AlternateCalculationRollUps1" />
  <roleRef xlink:type="simple" xlink:href="../../../common/ptr/2005-02-28/usfr-ptr-2005-02-28.xsd#Notes" roleURI="http://www.xbrl.org/us/fr/lr/role/Notes" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#StatementCashFlows" roleURI="http://www.xbrl.org/us/fr/lr/role/StatementCashFlows" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#CashFlowOperationsDirect" roleURI="http://www.xbrl.org/us/fr/lr/role/CashFlowOperationsDirect" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#CashFlowOperationsIndirect" roleURI="http://www.xbrl.org/us/fr/lr/role/CashFlowOperationsIndirect" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#IncomeStatement" roleURI="http://www.xbrl.org/us/fr/lr/role/IncomeStatement" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#DepositsInterestNonInterestCalc" roleURI="http://www.xbrl.org/us/fr/lr/role/DepositsInterestNonInterestCalc" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#DepositsForeignDomesticCalc" roleURI="http://www.xbrl.org/us/fr/lr/role/DepositsForeignDomesticCalc" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#DepositsByType" roleURI="http://www.xbrl.org/us/fr/lr/role/DepositsByType" />
  <roleRef xlink:type="simple" xlink:href="us-gaap-basi-2005-02-28.xsd#StatementFinancialPosition" roleURI="http://www.xbrl.org/us/fr/lr/role/StatementFinancialPosition" />
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/StatementFinancialPosition" xlink:title="Statement of Financial Position">
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Assets" xlink:label="usfr-pte_Assets" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CashCashEquivalents" xlink:label="usfr-pte_CashCashEquivalents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_CashCashEquivalents" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_UnrestrictedCash" xlink:label="usfr-pte_UnrestrictedCash" xlink:title="calculation: CashCashEquivalents to UnrestrictedCash" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashCashEquivalents" xlink:to="usfr-pte_UnrestrictedCash" xlink:title="calculation: CashCashEquivalents to UnrestrictedCash" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashCashEquivalentsCashDueBanks" xlink:label="usfr-fste_CashCashEquivalentsCashDueBanks" xlink:title="calculation: CashCashEquivalents to CashCashEquivalentsCashDueBanks" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashCashEquivalents" xlink:to="usfr-fste_CashCashEquivalentsCashDueBanks" xlink:title="calculation: CashCashEquivalents to CashCashEquivalentsCashDueBanks" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestBearingDepositsBanks" xlink:label="usfr-fste_InterestBearingDepositsBanks" xlink:title="calculation: CashCashEquivalents to InterestBearingDepositsBanks" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashCashEquivalents" xlink:to="usfr-fste_InterestBearingDepositsBanks" xlink:title="calculation: CashCashEquivalents to InterestBearingDepositsBanks" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellFederalFundsSold" xlink:label="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellFederalFundsSold" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:to="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellFederalFundsSold" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:to="usfr-fste_FederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MarketableSecuritiesCurrentNoncurrent" xlink:label="usfr-pte_MarketableSecuritiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_MarketableSecuritiesCurrentNoncurrent" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MarketableSecuritiesCurrentTradingSecurities" xlink:label="usfr-pte_MarketableSecuritiesCurrentTradingSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesCurrentNoncurrent" xlink:to="usfr-pte_MarketableSecuritiesCurrentTradingSecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_TradingSecuritiesEncumbered" xlink:label="usfr-fste_TradingSecuritiesEncumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesCurrentTradingSecurities" xlink:to="usfr-fste_TradingSecuritiesEncumbered" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_TradingSecuritiesUnencumbered" xlink:label="usfr-fste_TradingSecuritiesUnencumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesCurrentTradingSecurities" xlink:to="usfr-fste_TradingSecuritiesUnencumbered" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:label="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesCurrentNoncurrent" xlink:to="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleEncumbered" xlink:label="usfr-fste_SecuritiesAvailableSaleEncumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleEncumbered" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleUnencumbered" xlink:label="usfr-fste_SecuritiesAvailableSaleUnencumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleUnencumbered" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleUSTreasuryOtherUSGovernmentCorporationsAgencies" xlink:label="usfr-fste_SecuritiesAvailableSaleUSTreasuryOtherUSGovernmentCorporationsAgencies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleUSTreasuryOtherUSGovernmentCorporationsAgencies" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleStatesWithinUSPoliticalSubdivisionsStates" xlink:label="usfr-fste_SecuritiesAvailableSaleStatesWithinUSPoliticalSubdivisionsStates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleStatesWithinUSPoliticalSubdivisionsStates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleDebtSecuritiesIssuedForeignGovernments" xlink:label="usfr-fste_SecuritiesAvailableSaleDebtSecuritiesIssuedForeignGovernments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleDebtSecuritiesIssuedForeignGovernments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleCorporateDebtSecurities" xlink:label="usfr-fste_SecuritiesAvailableSaleCorporateDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleCorporateDebtSecurities" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleMortgageBackedSecurities" xlink:label="usfr-fste_SecuritiesAvailableSaleMortgageBackedSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleMortgageBackedSecurities" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleOtherDebtSecurities" xlink:label="usfr-fste_SecuritiesAvailableSaleOtherDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleOtherDebtSecurities" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SecuritiesAvailableSaleEquitySecurities" xlink:label="usfr-fste_SecuritiesAvailableSaleEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_SecuritiesAvailableSaleEquitySecurities" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MarketableSecuritiesOtherInvestmentsCurrentNoncurrent" xlink:label="usfr-fste_MarketableSecuritiesOtherInvestmentsCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesAvailableSecuritiesCurrentNoncurrent" xlink:to="usfr-fste_MarketableSecuritiesOtherInvestmentsCurrentNoncurrent" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:label="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesCurrentNoncurrent" xlink:to="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesEncumbered" xlink:label="usfr-fste_HeldMaturitySecuritiesEncumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesEncumbered" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesUnencumbered" xlink:label="usfr-fste_HeldMaturitySecuritiesUnencumbered" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesUnencumbered" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesUSTreasuryOtherUSGovernmentCorporationsAgencies" xlink:label="usfr-fste_HeldMaturitySecuritiesUSTreasuryOtherUSGovernmentCorporationsAgencies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesUSTreasuryOtherUSGovernmentCorporationsAgencies" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesStatesWithinUSPoliticalSubdivisionsStates" xlink:label="usfr-fste_HeldMaturitySecuritiesStatesWithinUSPoliticalSubdivisionsStates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesStatesWithinUSPoliticalSubdivisionsStates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesDebtSecuritiesIssuedForeignGovernments" xlink:label="usfr-fste_HeldMaturitySecuritiesDebtSecuritiesIssuedForeignGovernments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesDebtSecuritiesIssuedForeignGovernments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesCorporateDebtSecurities" xlink:label="usfr-fste_HeldMaturitySecuritiesCorporateDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesCorporateDebtSecurities" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesMortgageBackedSecurities" xlink:label="usfr-fste_HeldMaturitySecuritiesMortgageBackedSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesMortgageBackedSecurities" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HeldMaturitySecuritiesOtherDebtSecurities" xlink:label="usfr-fste_HeldMaturitySecuritiesOtherDebtSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_MarketableSecuritiesHeldMaturityCurrentNoncurrent" xlink:to="usfr-fste_HeldMaturitySecuritiesOtherDebtSecurities" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalHomeLoanBankStockCost" xlink:label="usfr-fste_FederalHomeLoanBankStockCost" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_FederalHomeLoanBankStockCost" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NCUSIFDeposit" xlink:label="usfr-fste_NCUSIFDeposit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_NCUSIFDeposit" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetLoans" xlink:label="usfr-fste_NetLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_NetLoans" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansHeldSale" xlink:label="usfr-fste_LoansHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetLoans" xlink:to="usfr-fste_LoansHeldSale" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MortgagesHeldSale" xlink:label="usfr-fste_MortgagesHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansHeldSale" xlink:to="usfr-fste_MortgagesHeldSale" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetLoansHeldPortfolio" xlink:label="usfr-fste_NetLoansHeldPortfolio" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetLoans" xlink:to="usfr-fste_NetLoansHeldPortfolio" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolio" xlink:label="usfr-fste_LoansLoansHeldPortfolio" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolio" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioCommercialIndustrialAgriculturalLoans" xlink:label="usfr-fste_LoansLoansHeldPortfolioCommercialIndustrialAgriculturalLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioCommercialIndustrialAgriculturalLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioConsumerLoans" xlink:label="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioTradeFinancing" xlink:label="usfr-fste_LoansLoansHeldPortfolioTradeFinancing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioTradeFinancing" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:label="usfr-fste_LoansLoansHeldPortfolioForeignLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioForeignLoans" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioLeaseFinancing" xlink:label="usfr-fste_LoansLoansHeldPortfolioLeaseFinancing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioLeaseFinancing" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioUnearnedIncome" xlink:label="usfr-fste_LoansLoansHeldPortfolioUnearnedIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioUnearnedIncome" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MajorLoanCategoriesOtherLoans" xlink:label="usfr-fste_MajorLoanCategoriesOtherLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_MajorLoanCategoriesOtherLoans" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetLoansAllowanceLoanLeaseLosses" xlink:label="usfr-fste_NetLoansAllowanceLoanLeaseLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetLoansHeldPortfolio" xlink:to="usfr-fste_NetLoansAllowanceLoanLeaseLosses" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmountsDueFromRelatedParties" xlink:label="usfr-fste_AmountsDueFromRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_AmountsDueFromRelatedParties" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccountsReceivableRelatedPartyCurrent" xlink:label="usfr-pte_AccountsReceivableRelatedPartyCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueFromRelatedParties" xlink:to="usfr-pte_AccountsReceivableRelatedPartyCurrent" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NotesReceivableRelatedPartyCurrentNonCurrent" xlink:label="usfr-pte_NotesReceivableRelatedPartyCurrentNonCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueFromRelatedParties" xlink:to="usfr-pte_NotesReceivableRelatedPartyCurrentNonCurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DueFromOfficersStockholdersCurrentNoncurrent" xlink:label="usfr-pte_DueFromOfficersStockholdersCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueFromRelatedParties" xlink:to="usfr-pte_DueFromOfficersStockholdersCurrentNoncurrent" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmountsDueFromAffiliates" xlink:label="usfr-fste_AmountsDueFromAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueFromRelatedParties" xlink:to="usfr-fste_AmountsDueFromAffiliates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmountsDueFromOtherRelatedParties" xlink:label="usfr-fste_AmountsDueFromOtherRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueFromRelatedParties" xlink:to="usfr-fste_AmountsDueFromOtherRelatedParties" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CustomersAcceptanceLiability" xlink:label="usfr-fste_CustomersAcceptanceLiability" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_CustomersAcceptanceLiability" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OtherInterestEarningAssets" xlink:label="usfr-fste_OtherInterestEarningAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_OtherInterestEarningAssets" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetForeclosedAssets" xlink:label="usfr-fste_NetForeclosedAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_NetForeclosedAssets" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_RealEstateAcquiredSettlementLoans" xlink:label="usfr-fste_RealEstateAcquiredSettlementLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetForeclosedAssets" xlink:to="usfr-fste_RealEstateAcquiredSettlementLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InvestmentsRealEstateJointVentures" xlink:label="usfr-fste_InvestmentsRealEstateJointVentures" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_InvestmentsRealEstateJointVentures" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ADCArrangementsAccountedInvestments" xlink:label="usfr-fste_ADCArrangementsAccountedInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InvestmentsRealEstateJointVentures" xlink:to="usfr-fste_ADCArrangementsAccountedInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_BankOwnedLifeInsurance" xlink:label="usfr-fste_BankOwnedLifeInsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_BankOwnedLifeInsurance" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PropertyPlantEquipmentNet" xlink:label="usfr-pte_PropertyPlantEquipmentNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_PropertyPlantEquipmentNet" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PropertyPlantEquipmentGross" xlink:label="usfr-pte_PropertyPlantEquipmentGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentNet" xlink:to="usfr-pte_PropertyPlantEquipmentGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LandBuildingsImprovements" xlink:label="usfr-pte_LandBuildingsImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_LandBuildingsImprovements" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LandLandImprovements" xlink:label="usfr-pte_LandLandImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LandBuildingsImprovements" xlink:to="usfr-pte_LandLandImprovements" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Land" xlink:label="usfr-pte_Land" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LandLandImprovements" xlink:to="usfr-pte_Land" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LandImprovements" xlink:label="usfr-pte_LandImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LandLandImprovements" xlink:to="usfr-pte_LandImprovements" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Buildings" xlink:label="usfr-pte_Buildings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LandBuildingsImprovements" xlink:to="usfr-pte_Buildings" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_FurnitureFixtures" xlink:label="usfr-pte_FurnitureFixtures" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_FurnitureFixtures" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OfficeComputerEquipment" xlink:label="usfr-pte_OfficeComputerEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_OfficeComputerEquipment" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Vehicles" xlink:label="usfr-pte_Vehicles" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_Vehicles" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ConstructionProgress" xlink:label="usfr-pte_ConstructionProgress" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_ConstructionProgress" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LeaseholdImprovements" xlink:label="usfr-pte_LeaseholdImprovements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_LeaseholdImprovements" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CapitalLeasedAssetsGross" xlink:label="usfr-pte_CapitalLeasedAssetsGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_CapitalLeasedAssetsGross" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InternalUseComputerSoftware" xlink:label="usfr-pte_InternalUseComputerSoftware" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_InternalUseComputerSoftware" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherPropertyPlantEquipment" xlink:label="usfr-pte_OtherPropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentGross" xlink:to="usfr-pte_OtherPropertyPlantEquipment" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccumulatedDepreciationAmortization" xlink:label="usfr-pte_AccumulatedDepreciationAmortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PropertyPlantEquipmentNet" xlink:to="usfr-pte_AccumulatedDepreciationAmortization" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccumulatedDepreciationPropertyPlantEquipment" xlink:label="usfr-pte_AccumulatedDepreciationPropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedDepreciationAmortization" xlink:to="usfr-pte_AccumulatedDepreciationPropertyPlantEquipment" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccumulatedAmortizationCapitalLeasedAssets" xlink:label="usfr-pte_AccumulatedAmortizationCapitalLeasedAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedDepreciationAmortization" xlink:to="usfr-pte_AccumulatedAmortizationCapitalLeasedAssets" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsNet" xlink:label="usfr-pte_IntangibleAssetsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_IntangibleAssetsNet" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsGoodwill" xlink:label="usfr-pte_IntangibleAssetsGoodwill" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsNet" xlink:to="usfr-pte_IntangibleAssetsGoodwill" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsExcludingGoodwillNet" xlink:label="usfr-pte_IntangibleAssetsExcludingGoodwillNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsNet" xlink:to="usfr-pte_IntangibleAssetsExcludingGoodwillNet" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsExcludingGoodwillNet" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedContractualRights" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedContractualRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedContractualRights" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedFranchiseRights" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedFranchiseRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedFranchiseRights" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedLicenses" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedLicenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedLicenses" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedTrademarks" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedTrademarks" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedTrademarks" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedTradeNames" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedTradeNames" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedTradeNames" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedTradeSecrets" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedTradeSecrets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedTradeSecrets" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsIndefiniteLivedOther" xlink:label="usfr-pte_IntangibleAssetsIndefiniteLivedOther" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsIndefiniteLivedExcludingGoodwill" xlink:to="usfr-pte_IntangibleAssetsIndefiniteLivedOther" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedNet" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsExcludingGoodwillNet" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedNet" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedNet" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedComputerSoftware" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedComputerSoftware" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedComputerSoftware" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedContractualRights" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedContractualRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedContractualRights" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedCopyrights" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedCopyrights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedCopyrights" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedCustomerLists" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedCustomerLists" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedCustomerLists" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedCustomerRelationships" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedCustomerRelationships" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedCustomerRelationships" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedDistributionRights" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedDistributionRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedDistributionRights" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedFranchiseRights" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedFranchiseRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedFranchiseRights" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedLicenseAgreements" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedLicenseAgreements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedLicenseAgreements" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedMediaContent" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedMediaContent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedMediaContent" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedNoncompeteAgreements" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedNoncompeteAgreements" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedNoncompeteAgreements" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedPatents" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedPatents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedPatents" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedRoyalty" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedRoyalty" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedRoyalty" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedTradeNames" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedTradeNames" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedTradeNames" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedTradeSecrets" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedTradeSecrets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedTradeSecrets" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IntangibleAssetsFiniteLivedOther" xlink:label="usfr-pte_IntangibleAssetsFiniteLivedOther" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedGross" xlink:to="usfr-pte_IntangibleAssetsFiniteLivedOther" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccumulatedAmortizationIntangibleAssetsFiniteLived" xlink:label="usfr-pte_AccumulatedAmortizationIntangibleAssetsFiniteLived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IntangibleAssetsFiniteLivedNet" xlink:to="usfr-pte_AccumulatedAmortizationIntangibleAssetsFiniteLived" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AccountsReceivableSecuritizations" xlink:label="usfr-fste_AccountsReceivableSecuritizations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-fste_AccountsReceivableSecuritizations" order="18" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeTaxesReceivableNet" xlink:label="usfr-pte_IncomeTaxesReceivableNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_IncomeTaxesReceivableNet" order="19" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_FinancingReceivables" xlink:label="usfr-pte_FinancingReceivables" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_FinancingReceivables" order="20" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NotesReceivableNet" xlink:label="usfr-pte_NotesReceivableNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_NotesReceivableNet" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherReceivablesNet" xlink:label="usfr-pte_OtherReceivablesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_OtherReceivablesNet" order="22" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CashSurrenderValueLifeInsurance" xlink:label="usfr-pte_CashSurrenderValueLifeInsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_CashSurrenderValueLifeInsurance" order="23" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ShortTermInvestments" xlink:label="usfr-pte_ShortTermInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_ShortTermInvestments" order="24" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LongTermInvestments" xlink:label="usfr-pte_LongTermInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_LongTermInvestments" order="25" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InvestmentNonConsolidatedSubsidiaries" xlink:label="usfr-pte_InvestmentNonConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LongTermInvestments" xlink:to="usfr-pte_InvestmentNonConsolidatedSubsidiaries" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InvestmentAffiliates" xlink:label="usfr-pte_InvestmentAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LongTermInvestments" xlink:to="usfr-pte_InvestmentAffiliates" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PrepaidExpenses" xlink:label="usfr-pte_PrepaidExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_PrepaidExpenses" order="26" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PrepaidInsurance" xlink:label="usfr-pte_PrepaidInsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PrepaidExpenses" xlink:to="usfr-pte_PrepaidInsurance" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherPrepaidExpenses" xlink:label="usfr-pte_OtherPrepaidExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PrepaidExpenses" xlink:to="usfr-pte_OtherPrepaidExpenses" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PrepaidPensionCosts" xlink:label="usfr-pte_PrepaidPensionCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_PrepaidPensionCosts" order="27" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PrepaidAssetsLongTerm" xlink:label="usfr-pte_PrepaidAssetsLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_PrepaidAssetsLongTerm" order="28" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedInterest" xlink:label="usfr-pte_AccruedInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_AccruedInterest" order="29" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedIncome" xlink:label="usfr-pte_AccruedIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_AccruedIncome" order="30" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredLongTermAssetCharges" xlink:label="usfr-pte_DeferredLongTermAssetCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_DeferredLongTermAssetCharges" order="31" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredFinancingCosts" xlink:label="usfr-pte_DeferredFinancingCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DeferredLongTermAssetCharges" xlink:to="usfr-pte_DeferredFinancingCosts" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredTaxAssetsAfterValuationAllowance" xlink:label="usfr-pte_DeferredTaxAssetsAfterValuationAllowance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_DeferredTaxAssetsAfterValuationAllowance" order="32" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DerivativeAssetsCurrentNoncurrent" xlink:label="usfr-pte_DerivativeAssetsCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_DerivativeAssetsCurrentNoncurrent" order="33" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AssetsHeldSaleCurrentNoncurrent" xlink:label="usfr-pte_AssetsHeldSaleCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_AssetsHeldSaleCurrentNoncurrent" order="34" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AssetsDiscontinuedOperationsCurrentNoncurrent" xlink:label="usfr-pte_AssetsDiscontinuedOperationsCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_AssetsDiscontinuedOperationsCurrentNoncurrent" order="35" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherAssetsCurrentNonCurrent" xlink:label="usfr-pte_OtherAssetsCurrentNonCurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Assets" xlink:to="usfr-pte_OtherAssetsCurrentNonCurrent" order="36" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LiabilitiesStockholdersEquity" xlink:label="usfr-pte_LiabilitiesStockholdersEquity" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Liabilities" xlink:label="usfr-pte_Liabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LiabilitiesStockholdersEquity" xlink:to="usfr-pte_Liabilities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_Deposits" xlink:label="usfr-fste_Deposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_Deposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseFederalFundsPurchased" xlink:label="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseFederalFundsPurchased" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:to="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseFederalFundsPurchased" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseSecuritiesSoldUnderAgreementsRepurchase" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:to="usfr-fste_FederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchaseSecuritiesSoldUnderAgreementsRepurchase" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_BankAcceptancesExecutedOutstanding" xlink:label="usfr-fste_BankAcceptancesExecutedOutstanding" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_BankAcceptancesExecutedOutstanding" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ShortTermBorrowings" xlink:label="usfr-fste_ShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_ShortTermBorrowings" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CommercialPaper" xlink:label="usfr-pte_CommercialPaper" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ShortTermBorrowings" xlink:to="usfr-pte_CommercialPaper" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherShortTermBorrowings" xlink:label="usfr-pte_OtherShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ShortTermBorrowings" xlink:to="usfr-pte_OtherShortTermBorrowings" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherBorrowings" xlink:label="usfr-pte_OtherBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_OtherBorrowings" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CompanyObligatedMandatorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" xlink:label="usfr-fste_CompanyObligatedMandatorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_CompanyObligatedMandatorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AdvancesFederalHomeLoanBanks" xlink:label="usfr-fste_AdvancesFederalHomeLoanBanks" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_AdvancesFederalHomeLoanBanks" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccountsPayableAccruedExpenses" xlink:label="usfr-pte_AccountsPayableAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_AccountsPayableAccruedExpenses" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccountsPayable" xlink:label="usfr-pte_AccountsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccountsPayableAccruedExpenses" xlink:to="usfr-pte_AccountsPayable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_BankOverdrafts" xlink:label="usfr-pte_BankOverdrafts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccountsPayable" xlink:to="usfr-pte_BankOverdrafts" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherAccountsPayable" xlink:label="usfr-pte_OtherAccountsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccountsPayable" xlink:to="usfr-pte_OtherAccountsPayable" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedExpenses" xlink:label="usfr-pte_AccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccountsPayableAccruedExpenses" xlink:to="usfr-pte_AccruedExpenses" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedAdvertising" xlink:label="usfr-pte_AccruedAdvertising" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_AccruedAdvertising" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedInsurance" xlink:label="usfr-pte_AccruedInsurance" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_AccruedInsurance" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedRoyalties" xlink:label="usfr-pte_AccruedRoyalties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_AccruedRoyalties" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherAccruedExpenses" xlink:label="usfr-pte_OtherAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_OtherAccruedExpenses" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InterestPayable" xlink:label="usfr-pte_InterestPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_InterestPayable" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxesOtherThanIncomeTaxesAccrual" xlink:label="usfr-pte_TaxesOtherThanIncomeTaxesAccrual" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_TaxesOtherThanIncomeTaxesAccrual" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DividendsPayable" xlink:label="usfr-pte_DividendsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_DividendsPayable" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EmployeeRelatedLiabilities" xlink:label="usfr-pte_EmployeeRelatedLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccruedExpenses" xlink:to="usfr-pte_EmployeeRelatedLiabilities" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Salaries" xlink:label="usfr-pte_Salaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_EmployeeRelatedLiabilities" xlink:to="usfr-pte_Salaries" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedVacation" xlink:label="usfr-pte_AccruedVacation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_EmployeeRelatedLiabilities" xlink:to="usfr-pte_AccruedVacation" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedBonuses" xlink:label="usfr-pte_AccruedBonuses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_EmployeeRelatedLiabilities" xlink:to="usfr-pte_AccruedBonuses" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EmployeeBenefits" xlink:label="usfr-pte_EmployeeBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_EmployeeRelatedLiabilities" xlink:to="usfr-pte_EmployeeBenefits" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherEmployeeBenefitsLiabilities" xlink:label="usfr-pte_OtherEmployeeBenefitsLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_EmployeeRelatedLiabilities" xlink:to="usfr-pte_OtherEmployeeBenefitsLiabilities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmountsDueToRelatedParties" xlink:label="usfr-fste_AmountsDueToRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_AmountsDueToRelatedParties" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccountsPayableRelatedParties" xlink:label="usfr-pte_AccountsPayableRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueToRelatedParties" xlink:to="usfr-pte_AccountsPayableRelatedParties" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NotesPayableRelatedParties" xlink:label="usfr-fste_NotesPayableRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueToRelatedParties" xlink:to="usfr-fste_NotesPayableRelatedParties" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DueToOfficersStockholdersShortTermLongTerm" xlink:label="usfr-pte_DueToOfficersStockholdersShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueToRelatedParties" xlink:to="usfr-pte_DueToOfficersStockholdersShortTermLongTerm" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmountsDueToAffiliates" xlink:label="usfr-fste_AmountsDueToAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueToRelatedParties" xlink:to="usfr-fste_AmountsDueToAffiliates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmountsDueToOtherRelatedParties" xlink:label="usfr-fste_AmountsDueToOtherRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AmountsDueToRelatedParties" xlink:to="usfr-fste_AmountsDueToOtherRelatedParties" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_TradingLiabilities" xlink:label="usfr-fste_TradingLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_TradingLiabilities" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccruedTaxes" xlink:label="usfr-pte_AccruedTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_AccruedTaxes" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeTaxesPayable" xlink:label="usfr-pte_IncomeTaxesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_IncomeTaxesPayable" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_SalesTaxPayable" xlink:label="usfr-pte_SalesTaxPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_SalesTaxPayable" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DebtCapitalLeaseObligations" xlink:label="usfr-fste_DebtCapitalLeaseObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_DebtCapitalLeaseObligations" order="14" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredInterest" xlink:label="usfr-pte_DeferredInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DebtCapitalLeaseObligations" xlink:to="usfr-pte_DeferredInterest" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CapitalLeaseObligationsShortTermLongTerm" xlink:label="usfr-pte_CapitalLeaseObligationsShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DebtCapitalLeaseObligations" xlink:to="usfr-pte_CapitalLeaseObligationsShortTermLongTerm" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NotesPayableShortTermLongTerm" xlink:label="usfr-pte_NotesPayableShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DebtCapitalLeaseObligations" xlink:to="usfr-pte_NotesPayableShortTermLongTerm" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MediumTermNotes" xlink:label="usfr-fste_MediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DebtCapitalLeaseObligations" xlink:to="usfr-fste_MediumTermNotes" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LongTermDebtExcludingMediumTermDebt" xlink:label="usfr-fste_LongTermDebtExcludingMediumTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DebtCapitalLeaseObligations" xlink:to="usfr-fste_LongTermDebtExcludingMediumTermDebt" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DerivativeLiabilities" xlink:label="usfr-fste_DerivativeLiabilities" xlink:title="calculation: Liabilities to DerivativeLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-fste_DerivativeLiabilities" xlink:title="calculation: Liabilities to DerivativeLiabilities" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PensionsOtherPostretirementBenefitPlans" xlink:label="usfr-pte_PensionsOtherPostretirementBenefitPlans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_PensionsOtherPostretirementBenefitPlans" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PensionObligation" xlink:label="usfr-pte_PensionObligation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PensionsOtherPostretirementBenefitPlans" xlink:to="usfr-pte_PensionObligation" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherPostretirementObligations" xlink:label="usfr-pte_OtherPostretirementObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PensionsOtherPostretirementBenefitPlans" xlink:to="usfr-pte_OtherPostretirementObligations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredEmployeeStockOptionPlanBenefits" xlink:label="usfr-pte_DeferredEmployeeStockOptionPlanBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_DeferredEmployeeStockOptionPlanBenefits" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredCompensation" xlink:label="usfr-pte_DeferredCompensation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_DeferredCompensation" order="18" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredLongTermLiabilityCharges" xlink:label="usfr-pte_DeferredLongTermLiabilityCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_DeferredLongTermLiabilityCharges" order="19" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredUnearnedRevenueLongTerm" xlink:label="usfr-pte_DeferredUnearnedRevenueLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DeferredLongTermLiabilityCharges" xlink:to="usfr-pte_DeferredUnearnedRevenueLongTerm" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EnvironmentalLiability" xlink:label="usfr-pte_EnvironmentalLiability" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_EnvironmentalLiability" order="20" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RestructuringReserve" xlink:label="usfr-pte_RestructuringReserve" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_RestructuringReserve" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LitigationReserve" xlink:label="usfr-pte_LitigationReserve" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_LitigationReserve" order="22" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AssetRetirementObligation" xlink:label="usfr-pte_AssetRetirementObligation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_AssetRetirementObligation" order="23" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_LiabilitiesDiscontinuedOperationsShortTermLongTerm" xlink:label="usfr-pte_LiabilitiesDiscontinuedOperationsShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_LiabilitiesDiscontinuedOperationsShortTermLongTerm" order="24" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_SharesSubjectMandatoryRedemption" xlink:label="usfr-pte_SharesSubjectMandatoryRedemption" xlink:title="calculation: Liabilities to SharesSubjectMandatoryRedemption" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_SharesSubjectMandatoryRedemption" xlink:title="calculation: Liabilities to SharesSubjectMandatoryRedemption" order="25" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherLiabilitiesShortTermLongTerm" xlink:label="usfr-pte_OtherLiabilitiesShortTermLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_OtherLiabilitiesShortTermLongTerm" order="26" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MinorityInterest" xlink:label="usfr-pte_MinorityInterest" xlink:title="calculation: Liabilities to MinorityInterest" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_Liabilities" xlink:to="usfr-pte_MinorityInterest" xlink:title="calculation: Liabilities to MinorityInterest" order="27" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CommitmentsContingencies" xlink:label="usfr-pte_CommitmentsContingencies" xlink:title="calculation: LiabilitiesStockholdersEquity to CommitmentsContingencies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LiabilitiesStockholdersEquity" xlink:to="usfr-pte_CommitmentsContingencies" xlink:title="calculation: LiabilitiesStockholdersEquity to CommitmentsContingencies" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_StockholdersEquity" xlink:label="usfr-pte_StockholdersEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_LiabilitiesStockholdersEquity" xlink:to="usfr-pte_StockholdersEquity" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CommonStockValueTotal" xlink:label="usfr-pte_CommonStockValueTotal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_CommonStockValueTotal" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CommonStockValue" xlink:label="usfr-pte_CommonStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CommonStockValueTotal" xlink:to="usfr-pte_CommonStockValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PreferredStockValueTotal" xlink:label="usfr-pte_PreferredStockValueTotal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_PreferredStockValueTotal" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ConvertiblePreferredStockValue" xlink:label="usfr-pte_ConvertiblePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockValueTotal" xlink:to="usfr-pte_ConvertiblePreferredStockValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PreferredStockValue" xlink:label="usfr-pte_PreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockValueTotal" xlink:to="usfr-pte_PreferredStockValue" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RedeemableConvertiblePreferredStockValue" xlink:label="usfr-pte_RedeemableConvertiblePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockValueTotal" xlink:to="usfr-pte_RedeemableConvertiblePreferredStockValue" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RedeemablePreferredStockValue" xlink:label="usfr-pte_RedeemablePreferredStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockValueTotal" xlink:to="usfr-pte_RedeemablePreferredStockValue" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AdditionalPaidCapital" xlink:label="usfr-pte_AdditionalPaidCapital" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_AdditionalPaidCapital" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_WarrantsRightsOutstandingEquity" xlink:label="usfr-pte_WarrantsRightsOutstandingEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_WarrantsRightsOutstandingEquity" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TreasuryStockValueTotal" xlink:label="usfr-pte_TreasuryStockValueTotal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_TreasuryStockValueTotal" order="5" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TreasuryStockValue" xlink:label="usfr-pte_TreasuryStockValue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_TreasuryStockValueTotal" xlink:to="usfr-pte_TreasuryStockValue" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RetainedEarnings" xlink:label="usfr-pte_RetainedEarnings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_RetainedEarnings" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RetainedEarningsAppropriated" xlink:label="usfr-pte_RetainedEarningsAppropriated" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RetainedEarnings" xlink:to="usfr-pte_RetainedEarningsAppropriated" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RetainedEarningsNonappropriated" xlink:label="usfr-pte_RetainedEarningsNonappropriated" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RetainedEarnings" xlink:to="usfr-pte_RetainedEarningsNonappropriated" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AccumulatedComprehensiveIncome" xlink:label="usfr-pte_AccumulatedComprehensiveIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_AccumulatedComprehensiveIncome" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AdditionalMinimumPensionLiabilityNetTaxEffect" xlink:label="usfr-pte_AdditionalMinimumPensionLiabilityNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedComprehensiveIncome" xlink:to="usfr-pte_AdditionalMinimumPensionLiabilityNetTaxEffect" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CumulativeTranslationAdjustmentNetTaxEffect" xlink:label="usfr-pte_CumulativeTranslationAdjustmentNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedComprehensiveIncome" xlink:to="usfr-pte_CumulativeTranslationAdjustmentNetTaxEffect" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredHedgingGainLossNetTaxEffect" xlink:label="usfr-pte_DeferredHedgingGainLossNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedComprehensiveIncome" xlink:to="usfr-pte_DeferredHedgingGainLossNetTaxEffect" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_UnrealizedGainLossMarketableSecuritiesNetTaxEffect" xlink:label="usfr-pte_UnrealizedGainLossMarketableSecuritiesNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedComprehensiveIncome" xlink:to="usfr-pte_UnrealizedGainLossMarketableSecuritiesNetTaxEffect" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_UnrealizedGainsLossesAvailableSaleSecuritiesNetTaxEffect" xlink:label="usfr-pte_UnrealizedGainsLossesAvailableSaleSecuritiesNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_UnrealizedGainLossMarketableSecuritiesNetTaxEffect" xlink:to="usfr-pte_UnrealizedGainsLossesAvailableSaleSecuritiesNetTaxEffect" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_UnrealizedGainsLossesTradingSecurities" xlink:label="usfr-pte_UnrealizedGainsLossesTradingSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_UnrealizedGainLossMarketableSecuritiesNetTaxEffect" xlink:to="usfr-pte_UnrealizedGainsLossesTradingSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherAccumulatedComprehensiveIncomeNetTaxEffect" xlink:label="usfr-pte_OtherAccumulatedComprehensiveIncomeNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AccumulatedComprehensiveIncome" xlink:to="usfr-pte_OtherAccumulatedComprehensiveIncomeNetTaxEffect" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredCompensationEquity" xlink:label="usfr-pte_DeferredCompensationEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_DeferredCompensationEquity" order="8" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherEquity" xlink:label="usfr-pte_OtherEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_StockholdersEquity" xlink:to="usfr-pte_OtherEquity" order="9" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/DepositsByType" xlink:title="Deposits by Type">
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_Deposits" xlink:label="usfr-fste_Deposits" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsDemandDepositAccounts" xlink:label="usfr-fste_DepositsDemandDepositAccounts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DepositsDemandDepositAccounts" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsDemandDepositAccountsNoninterestBearing" xlink:label="usfr-fste_DepositsDemandDepositAccountsNoninterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsDemandDepositAccounts" xlink:to="usfr-fste_DepositsDemandDepositAccountsNoninterestBearing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsDemandDepositAccountsInterestBearing" xlink:label="usfr-fste_DepositsDemandDepositAccountsInterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsDemandDepositAccounts" xlink:to="usfr-fste_DepositsDemandDepositAccountsInterestBearing" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsSavingsDeposits" xlink:label="usfr-fste_DepositsSavingsDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DepositsSavingsDeposits" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsMoneyMarketDeposits" xlink:label="usfr-fste_DepositsMoneyMarketDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DepositsMoneyMarketDeposits" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsTimeDeposits" xlink:label="usfr-fste_DepositsTimeDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DepositsTimeDeposits" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsTimeDepositsForeignTimeDeposits" xlink:label="usfr-fste_DepositsTimeDepositsForeignTimeDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsTimeDeposits" xlink:to="usfr-fste_DepositsTimeDepositsForeignTimeDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsCertificatesDeposits100000More" xlink:label="usfr-fste_DepositsCertificatesDeposits100000More" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsTimeDeposits" xlink:to="usfr-fste_DepositsCertificatesDeposits100000More" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsCertificatesDepositsLessThan100000" xlink:label="usfr-fste_DepositsCertificatesDepositsLessThan100000" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsTimeDeposits" xlink:to="usfr-fste_DepositsCertificatesDepositsLessThan100000" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_RetailDeposits" xlink:label="usfr-fste_RetailDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_RetailDeposits" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_WholesaleDeposits" xlink:label="usfr-fste_WholesaleDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_WholesaleDeposits" order="6" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/DepositsForeignDomesticCalc" xlink:title="Deposits by Foreign/Domestic">
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_Deposits" xlink:label="usfr-fste_Deposits" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignDeposits" xlink:label="usfr-fste_ForeignDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_ForeignDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsInterestBearingForeignInterestBearing" xlink:label="usfr-fste_DepositsInterestBearingForeignInterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ForeignDeposits" xlink:to="usfr-fste_DepositsInterestBearingForeignInterestBearing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsNoninterestBearingForeignNoninterestBearing" xlink:label="usfr-fste_DepositsNoninterestBearingForeignNoninterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ForeignDeposits" xlink:to="usfr-fste_DepositsNoninterestBearingForeignNoninterestBearing" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DomesticDeposits" xlink:label="usfr-fste_DomesticDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DomesticDeposits" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsInterestBearingDomesticInterestBearing" xlink:label="usfr-fste_DepositsInterestBearingDomesticInterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DomesticDeposits" xlink:to="usfr-fste_DepositsInterestBearingDomesticInterestBearing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsNoninterestBearingDomesticNoninterestBearing" xlink:label="usfr-fste_DepositsNoninterestBearingDomesticNoninterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DomesticDeposits" xlink:to="usfr-fste_DepositsNoninterestBearingDomesticNoninterestBearing" order="2" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/DepositsInterestNonInterestCalc" xlink:title="Deposits by Interest Bearing/Noninterest Bearing">
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_Deposits" xlink:label="usfr-fste_Deposits" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsInterestBearing" xlink:label="usfr-fste_DepositsInterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DepositsInterestBearing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsInterestBearingDomesticInterestBearing" xlink:label="usfr-fste_DepositsInterestBearingDomesticInterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsInterestBearing" xlink:to="usfr-fste_DepositsInterestBearingDomesticInterestBearing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsInterestBearingForeignInterestBearing" xlink:label="usfr-fste_DepositsInterestBearingForeignInterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsInterestBearing" xlink:to="usfr-fste_DepositsInterestBearingForeignInterestBearing" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsNoninterestBearing" xlink:label="usfr-fste_DepositsNoninterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_Deposits" xlink:to="usfr-fste_DepositsNoninterestBearing" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsNoninterestBearingDomesticNoninterestBearing" xlink:label="usfr-fste_DepositsNoninterestBearingDomesticNoninterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsNoninterestBearing" xlink:to="usfr-fste_DepositsNoninterestBearingDomesticNoninterestBearing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsNoninterestBearingForeignNoninterestBearing" xlink:label="usfr-fste_DepositsNoninterestBearingForeignNoninterestBearing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepositsNoninterestBearing" xlink:to="usfr-fste_DepositsNoninterestBearingForeignNoninterestBearing" order="2" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/IncomeStatement" xlink:title="Income Statement">
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_BasicEarningsPerShareNetIncome" xlink:label="usfr-pte_BasicEarningsPerShareNetIncome" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossContinuingOperationsPerOutstandingShare" xlink:label="usfr-pte_IncomeLossContinuingOperationsPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_BasicEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeLossContinuingOperationsPerOutstandingShare" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDispositionDiscontinuedOperationsPerOutstandingShare" xlink:label="usfr-pte_IncomeLossDispositionDiscontinuedOperationsPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_BasicEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeLossDispositionDiscontinuedOperationsPerOutstandingShare" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" xlink:label="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_BasicEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossExtraordinaryItemsNetTaxEffectPerOutstandingShare" xlink:label="usfr-pte_IncomeLossExtraordinaryItemsNetTaxEffectPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_BasicEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeLossExtraordinaryItemsNetTaxEffectPerOutstandingShare" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" xlink:label="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_BasicEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerOutstandingShare" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerOutstandingShare" xlink:label="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerOutstandingShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_BasicEarningsPerShareNetIncome" xlink:to="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerOutstandingShare" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DilutedEarningsPerShareNetIncome" xlink:label="usfr-pte_DilutedEarningsPerShareNetIncome" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossContinuingOperationsPerDilutedShare" xlink:label="usfr-pte_IncomeLossContinuingOperationsPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeLossContinuingOperationsPerDilutedShare" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDispositionDiscontinuedOperationsPerDilutedShare" xlink:label="usfr-pte_IncomeLossDispositionDiscontinuedOperationsPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeLossDispositionDiscontinuedOperationsPerDilutedShare" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerDilutedShare" xlink:label="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciplePerDilutedShare" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossExtraordinaryItemsNetTaxEffectPerDilutedShare" xlink:label="usfr-pte_IncomeLossExtraordinaryItemsNetTaxEffectPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeLossExtraordinaryItemsNetTaxEffectPerDilutedShare" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerDilutedShare" xlink:label="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciplePerDilutedShare" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerDilutedShare" xlink:label="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerDilutedShare" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DilutedEarningsPerShareNetIncome" xlink:to="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffectPerDilutedShare" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetIncomeApplicableCommonStockholders" xlink:label="usfr-pte_NetIncomeApplicableCommonStockholders" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetIncome" xlink:label="usfr-pte_NetIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncomeApplicableCommonStockholders" xlink:to="usfr-pte_NetIncome" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" xlink:label="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncome" xlink:to="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:label="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossContinuingOperations" xlink:label="usfr-pte_IncomeLossContinuingOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pte_IncomeLossContinuingOperations" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:label="usfr-pte_IncomeLossContinuingOperationsBeforeIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossContinuingOperations" xlink:to="usfr-pte_IncomeLossContinuingOperationsBeforeIncomeTaxes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InterestIncomeExpenseNet" xlink:label="usfr-pte_InterestIncomeExpenseNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:to="usfr-pte_InterestIncomeExpenseNet" order="0.5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetInterestIncome" xlink:label="usfr-fste_NetInterestIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncomeExpenseNet" xlink:to="usfr-fste_NetInterestIncome" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InterestIncome" xlink:label="usfr-pte_InterestIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetInterestIncome" xlink:to="usfr-pte_InterestIncome" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLeases" xlink:label="usfr-fste_LoansLeases" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_LoansLeases" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeLoansHeldSale" xlink:label="usfr-fste_InterestIncomeLoansHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLeases" xlink:to="usfr-fste_InterestIncomeLoansHeldSale" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeLoansHeldInvestmentLeases" xlink:label="usfr-fste_InterestIncomeLoansHeldInvestmentLeases" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLeases" xlink:to="usfr-fste_InterestIncomeLoansHeldInvestmentLeases" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeTradingAssets" xlink:label="usfr-fste_InterestIncomeTradingAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_InterestIncomeTradingAssets" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeAvailableSaleSecurities" xlink:label="usfr-fste_InterestIncomeAvailableSaleSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_InterestIncomeAvailableSaleSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeHeldMaturitySecurities" xlink:label="usfr-fste_InterestIncomeHeldMaturitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_InterestIncomeHeldMaturitySecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellFederalFundsSold" xlink:label="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellFederalFundsSold" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:to="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellFederalFundsSold" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:to="usfr-fste_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeInterestDepositsFinancialInstitutions" xlink:label="usfr-fste_InterestIncomeInterestDepositsFinancialInstitutions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_InterestIncomeInterestDepositsFinancialInstitutions" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeInterestDepositsDomesticOffices" xlink:label="usfr-fste_InterestIncomeInterestDepositsDomesticOffices" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeInterestDepositsFinancialInstitutions" xlink:to="usfr-fste_InterestIncomeInterestDepositsDomesticOffices" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeInterestMoneyMarketDeposits" xlink:label="usfr-fste_InterestIncomeInterestMoneyMarketDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeInterestDepositsDomesticOffices" xlink:to="usfr-fste_InterestIncomeInterestMoneyMarketDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeInterestOtherDomesticDeposits" xlink:label="usfr-fste_InterestIncomeInterestOtherDomesticDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeInterestDepositsDomesticOffices" xlink:to="usfr-fste_InterestIncomeInterestOtherDomesticDeposits" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeInterestDepositsForeignOffices" xlink:label="usfr-fste_InterestIncomeInterestDepositsForeignOffices" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeInterestDepositsFinancialInstitutions" xlink:to="usfr-fste_InterestIncomeInterestDepositsForeignOffices" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeOtherInterestIncome" xlink:label="usfr-fste_InterestIncomeOtherInterestIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncome" xlink:to="usfr-fste_InterestIncomeOtherInterestIncome" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InterestExpense" xlink:label="usfr-pte_InterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetInterestIncome" xlink:to="usfr-pte_InterestExpense" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseDeposits" xlink:label="usfr-fste_InterestExpenseDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestExpense" xlink:to="usfr-fste_InterestExpenseDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseDomesticDeposits" xlink:label="usfr-fste_InterestExpenseDomesticDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseDeposits" xlink:to="usfr-fste_InterestExpenseDomesticDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseNOWMoneyMarketAccountsSavingsDeposits" xlink:label="usfr-fste_InterestExpenseNOWMoneyMarketAccountsSavingsDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseDomesticDeposits" xlink:to="usfr-fste_InterestExpenseNOWMoneyMarketAccountsSavingsDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseCertificatesDepositLessThan100000" xlink:label="usfr-fste_InterestExpenseCertificatesDepositLessThan100000" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseDomesticDeposits" xlink:to="usfr-fste_InterestExpenseCertificatesDepositLessThan100000" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseCertificatesDeposit100000More" xlink:label="usfr-fste_InterestExpenseCertificatesDeposit100000More" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseDomesticDeposits" xlink:to="usfr-fste_InterestExpenseCertificatesDeposit100000More" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseOtherDomesticDeposits" xlink:label="usfr-fste_InterestExpenseOtherDomesticDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseDomesticDeposits" xlink:to="usfr-fste_InterestExpenseOtherDomesticDeposits" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseForeignDeposits" xlink:label="usfr-fste_InterestExpenseForeignDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseDeposits" xlink:to="usfr-fste_InterestExpenseForeignDeposits" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchased" xlink:label="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchased" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestExpense" xlink:to="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchased" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchasedFederalFundsPurchased" xlink:label="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchasedFederalFundsPurchased" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchased" xlink:to="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchasedFederalFundsPurchased" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchasedSecuritiesSoldUnderAgreementsRepurchased" xlink:label="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchasedSecuritiesSoldUnderAgreementsRepurchased" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchased" xlink:to="usfr-fste_InterestExpenseFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchasedSecuritiesSoldUnderAgreementsRepurchased" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseBorrowings" xlink:label="usfr-fste_InterestExpenseBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestExpense" xlink:to="usfr-fste_InterestExpenseBorrowings" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseShortTermBorrowings" xlink:label="usfr-fste_InterestExpenseShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseBorrowings" xlink:to="usfr-fste_InterestExpenseShortTermBorrowings" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseFederalHomeLoanBankFederalReserveBankAdvancesShortTerm" xlink:label="usfr-fste_InterestExpenseFederalHomeLoanBankFederalReserveBankAdvancesShortTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseShortTermBorrowings" xlink:to="usfr-fste_InterestExpenseFederalHomeLoanBankFederalReserveBankAdvancesShortTerm" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseCommercialPaper" xlink:label="usfr-fste_InterestExpenseCommercialPaper" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseShortTermBorrowings" xlink:to="usfr-fste_InterestExpenseCommercialPaper" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseOtherShortTermBorrowings" xlink:label="usfr-fste_InterestExpenseOtherShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseShortTermBorrowings" xlink:to="usfr-fste_InterestExpenseOtherShortTermBorrowings" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseLongTermBorrowings" xlink:label="usfr-fste_InterestExpenseLongTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseBorrowings" xlink:to="usfr-fste_InterestExpenseLongTermBorrowings" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseFederalHomeLoanBankFederalReserveBankAdvancesLongTerm" xlink:label="usfr-fste_InterestExpenseFederalHomeLoanBankFederalReserveBankAdvancesLongTerm" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseLongTermBorrowings" xlink:to="usfr-fste_InterestExpenseFederalHomeLoanBankFederalReserveBankAdvancesLongTerm" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseOtherLongTermBorrowings" xlink:label="usfr-fste_InterestExpenseOtherLongTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseLongTermBorrowings" xlink:to="usfr-fste_InterestExpenseOtherLongTermBorrowings" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseOtherBorrowings" xlink:label="usfr-fste_InterestExpenseOtherBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseBorrowings" xlink:to="usfr-fste_InterestExpenseOtherBorrowings" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LongTermDebtCapitalSecurities" xlink:label="usfr-fste_LongTermDebtCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestExpense" xlink:to="usfr-fste_LongTermDebtCapitalSecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseLongTermDebt" xlink:label="usfr-fste_InterestExpenseLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LongTermDebtCapitalSecurities" xlink:to="usfr-fste_InterestExpenseLongTermDebt" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseSubordinatedNotesDebentures" xlink:label="usfr-fste_InterestExpenseSubordinatedNotesDebentures" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseLongTermDebt" xlink:to="usfr-fste_InterestExpenseSubordinatedNotesDebentures" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseMediumTermNotes" xlink:label="usfr-fste_InterestExpenseMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseLongTermDebt" xlink:to="usfr-fste_InterestExpenseMediumTermNotes" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseOtherLongTermDebt" xlink:label="usfr-fste_InterestExpenseOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestExpenseLongTermDebt" xlink:to="usfr-fste_InterestExpenseOtherLongTermDebt" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CapitalSecurities" xlink:label="usfr-fste_CapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LongTermDebtCapitalSecurities" xlink:to="usfr-fste_CapitalSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestExpenseOtherTotalInterestExpense" xlink:label="usfr-fste_InterestExpenseOtherTotalInterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestExpense" xlink:to="usfr-fste_InterestExpenseOtherTotalInterestExpense" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProvisionLoanLeaseLosses" xlink:label="usfr-fste_ProvisionLoanLeaseLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestIncomeExpenseNet" xlink:to="usfr-fste_ProvisionLoanLeaseLosses" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncome" xlink:label="usfr-fste_NonInterestIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:to="usfr-fste_NonInterestIncome" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeFeesCommissions" xlink:label="usfr-fste_NonInterestIncomeFeesCommissions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeFeesCommissions" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeServiceChargesDepositAmounts" xlink:label="usfr-fste_NonInterestIncomeServiceChargesDepositAmounts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeServiceChargesDepositAmounts" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeCommissionsFeesFiduciaryTrustActivities" xlink:label="usfr-fste_NonInterestIncomeCommissionsFeesFiduciaryTrustActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeCommissionsFeesFiduciaryTrustActivities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeInvestmentBankingAdvisoryBrokerageUnderwritingFeesCommissions" xlink:label="usfr-fste_NonInterestIncomeInvestmentBankingAdvisoryBrokerageUnderwritingFeesCommissions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeInvestmentBankingAdvisoryBrokerageUnderwritingFeesCommissions" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeMortgageBankingFees" xlink:label="usfr-fste_NonInterestIncomeMortgageBankingFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeMortgageBankingFees" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeNetServicingFees" xlink:label="usfr-fste_NonInterestIncomeNetServicingFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeNetServicingFees" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeInsuranceCommissionsFees" xlink:label="usfr-fste_NonInterestIncomeInsuranceCommissionsFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeInsuranceCommissionsFees" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeCreditCardFees" xlink:label="usfr-fste_NonInterestIncomeCreditCardFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeCreditCardFees" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeOtherFeesCommissions" xlink:label="usfr-fste_NonInterestIncomeOtherFeesCommissions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeFeesCommissions" xlink:to="usfr-fste_NonInterestIncomeOtherFeesCommissions" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:label="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeNetSecuritizationGainsLosses" xlink:label="usfr-fste_NonInterestIncomeNetSecuritizationGainsLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:to="usfr-fste_NonInterestIncomeNetSecuritizationGainsLosses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeNetGainsLossesSaleSecurities" xlink:label="usfr-fste_NonInterestIncomeNetGainsLossesSaleSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:to="usfr-fste_NonInterestIncomeNetGainsLossesSaleSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeNetGainsLossesSalesLoans" xlink:label="usfr-fste_NonInterestIncomeNetGainsLossesSalesLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:to="usfr-fste_NonInterestIncomeNetGainsLossesSalesLoans" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeGainsLossesSaleCreditCardPortfolio" xlink:label="usfr-fste_NonInterestIncomeGainsLossesSaleCreditCardPortfolio" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:to="usfr-fste_NonInterestIncomeGainsLossesSaleCreditCardPortfolio" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeGainsLossesSaleOtherRealEstate" xlink:label="usfr-fste_NonInterestIncomeGainsLossesSaleOtherRealEstate" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:to="usfr-fste_NonInterestIncomeGainsLossesSaleOtherRealEstate" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeGainsLossesSaleOtherAssets" xlink:label="usfr-fste_NonInterestIncomeGainsLossesSaleOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeGainsLossesSaleAssets" xlink:to="usfr-fste_NonInterestIncomeGainsLossesSaleOtherAssets" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeTradingRevenues" xlink:label="usfr-fste_NonInterestIncomeTradingRevenues" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeTradingRevenues" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" xlink:label="usfr-fste_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeTradingRevenues" xlink:to="usfr-fste_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeOtherNonInterestIncome" xlink:label="usfr-fste_NonInterestIncomeOtherNonInterestIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeOtherNonInterestIncome" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeNetVentureCapitalLossesGains" xlink:label="usfr-fste_NonInterestIncomeNetVentureCapitalLossesGains" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeOtherNonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeNetVentureCapitalLossesGains" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeBankOwnedLifeInsuranceIncome" xlink:label="usfr-fste_NonInterestIncomeBankOwnedLifeInsuranceIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeOtherNonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeBankOwnedLifeInsuranceIncome" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeProfitLossRealEstateOperations" xlink:label="usfr-fste_NonInterestIncomeProfitLossRealEstateOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeOtherNonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeProfitLossRealEstateOperations" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestIncomeConversionGainsLossesForeignInvestments" xlink:label="usfr-fste_NonInterestIncomeConversionGainsLossesForeignInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeOtherNonInterestIncome" xlink:to="usfr-fste_NonInterestIncomeConversionGainsLossesForeignInvestments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NonoperatingIncomeGainLossSalesPreviouslyUnissuedStockSubsidiaryEquityInvestee" xlink:label="usfr-pte_NonoperatingIncomeGainLossSalesPreviouslyUnissuedStockSubsidiaryEquityInvestee" xlink:title="calculation: NonInterestIncomeOtherNonInterestIncome to NonoperatingIncomeGainLossSalesPreviouslyUnissuedStockSubsidiaryEquityInvestee" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonInterestIncomeOtherNonInterestIncome" xlink:to="usfr-pte_NonoperatingIncomeGainLossSalesPreviouslyUnissuedStockSubsidiaryEquityInvestee" xlink:title="calculation: NonInterestIncomeOtherNonInterestIncome to NonoperatingIncomeGainLossSalesPreviouslyUnissuedStockSubsidiaryEquityInvestee" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_TotalNonTotalInterestExpense" xlink:label="usfr-fste_TotalNonTotalInterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossContinuingOperationsBeforeIncomeTaxes" xlink:to="usfr-fste_TotalNonTotalInterestExpense" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestExpenseCompensationEmployeeBenefits" xlink:label="usfr-fste_NonInterestExpenseCompensationEmployeeBenefits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_NonInterestExpenseCompensationEmployeeBenefits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestExpenseNetOccupancy" xlink:label="usfr-fste_NonInterestExpenseNetOccupancy" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_NonInterestExpenseNetOccupancy" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NoninterestExpenseProfessionalFees" xlink:label="usfr-fste_NoninterestExpenseProfessionalFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_NoninterestExpenseProfessionalFees" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DepreciationAmortization" xlink:label="usfr-pte_DepreciationAmortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-pte_DepreciationAmortization" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PropertyPlantEquipmentDepreciationExpense" xlink:label="usfr-pte_PropertyPlantEquipmentDepreciationExpense" xlink:title="calculation: DepreciationAmortization to PropertyPlantEquipmentDepreciationExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DepreciationAmortization" xlink:to="usfr-pte_PropertyPlantEquipmentDepreciationExpense" xlink:title="calculation: DepreciationAmortization to PropertyPlantEquipmentDepreciationExpense" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Amortization" xlink:label="usfr-pte_Amortization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DepreciationAmortization" xlink:to="usfr-pte_Amortization" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestExpenseFurnitureEquipment" xlink:label="usfr-fste_NonInterestExpenseFurnitureEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_NonInterestExpenseFurnitureEquipment" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NoninterestExpenseMarketingAdvertising" xlink:label="usfr-pte_NoninterestExpenseMarketingAdvertising" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-pte_NoninterestExpenseMarketingAdvertising" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Marketing" xlink:label="usfr-pte_Marketing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NoninterestExpenseMarketingAdvertising" xlink:to="usfr-pte_Marketing" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_Advertising" xlink:label="usfr-pte_Advertising" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NoninterestExpenseMarketingAdvertising" xlink:to="usfr-pte_Advertising" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestExpenseCommunicationsDataProcessing" xlink:label="usfr-fste_NonInterestExpenseCommunicationsDataProcessing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_NonInterestExpenseCommunicationsDataProcessing" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MSRImpairmentRecovery" xlink:label="usfr-fste_MSRImpairmentRecovery" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_MSRImpairmentRecovery" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AssetImpairmentCharge" xlink:label="usfr-pte_AssetImpairmentCharge" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-pte_AssetImpairmentCharge" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ImpairmentLongLivedAssetsHeldDisposal" xlink:label="usfr-pte_ImpairmentLongLivedAssetsHeldDisposal" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AssetImpairmentCharge" xlink:to="usfr-pte_ImpairmentLongLivedAssetsHeldDisposal" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ImpairmentAssetsHeldSale" xlink:label="usfr-pte_ImpairmentAssetsHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AssetImpairmentCharge" xlink:to="usfr-pte_ImpairmentAssetsHeldSale" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ImpairmentIntangibleAssets" xlink:label="usfr-pte_ImpairmentIntangibleAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AssetImpairmentCharge" xlink:to="usfr-pte_ImpairmentIntangibleAssets" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ImpairmentGoodwill" xlink:label="usfr-pte_ImpairmentGoodwill" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ImpairmentIntangibleAssets" xlink:to="usfr-pte_ImpairmentGoodwill" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ImpairmentLongLivedAssetsCertainIntangibles" xlink:label="usfr-pte_ImpairmentLongLivedAssetsCertainIntangibles" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ImpairmentIntangibleAssets" xlink:to="usfr-pte_ImpairmentLongLivedAssetsCertainIntangibles" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RestructuringCharges" xlink:label="usfr-pte_RestructuringCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-pte_RestructuringCharges" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PreOpeningCosts" xlink:label="usfr-pte_PreOpeningCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-pte_PreOpeningCosts" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonInterestExpenseOtherNonTotalInterestExpense" xlink:label="usfr-fste_NonInterestExpenseOtherNonTotalInterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_TotalNonTotalInterestExpense" xlink:to="usfr-fste_NonInterestExpenseOtherNonTotalInterestExpense" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProvisionIncomeTaxes" xlink:label="usfr-pte_ProvisionIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossContinuingOperations" xlink:to="usfr-pte_ProvisionIncomeTaxes" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CurrentIncomeTaxExpenseBenefit" xlink:label="usfr-pte_CurrentIncomeTaxExpenseBenefit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProvisionIncomeTaxes" xlink:to="usfr-pte_CurrentIncomeTaxExpenseBenefit" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CurrentFederalTax" xlink:label="usfr-pte_CurrentFederalTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pte_CurrentFederalTax" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CurrentStateLocalTaxes" xlink:label="usfr-pte_CurrentStateLocalTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pte_CurrentStateLocalTaxes" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CurrentForeignTax" xlink:label="usfr-pte_CurrentForeignTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pte_CurrentForeignTax" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CurrentOtherTax" xlink:label="usfr-pte_CurrentOtherTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CurrentIncomeTaxExpenseBenefit" xlink:to="usfr-pte_CurrentOtherTax" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredIncomeTaxExpenseBenefit" xlink:label="usfr-pte_DeferredIncomeTaxExpenseBenefit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProvisionIncomeTaxes" xlink:to="usfr-pte_DeferredIncomeTaxExpenseBenefit" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredFederalIncomeTax" xlink:label="usfr-pte_DeferredFederalIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pte_DeferredFederalIncomeTax" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredStateLocalIncomeTax" xlink:label="usfr-pte_DeferredStateLocalIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pte_DeferredStateLocalIncomeTax" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredForeignIncomeTax" xlink:label="usfr-pte_DeferredForeignIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pte_DeferredForeignIncomeTax" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredOtherTax" xlink:label="usfr-pte_DeferredOtherTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DeferredIncomeTaxExpenseBenefit" xlink:to="usfr-pte_DeferredOtherTax" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EarningsLossesEquityInvestments" xlink:label="usfr-pte_EarningsLossesEquityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pte_EarningsLossesEquityInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MinorityInterestNetTaxEffect" xlink:label="usfr-pte_MinorityInterestNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pte_MinorityInterestNetTaxEffect" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:label="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeBeforeExtraordinaryItemsCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDiscontinuedOperations" xlink:label="usfr-pte_IncomeLossDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:to="usfr-pte_IncomeLossDiscontinuedOperations" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxEffectIncomeLossDiscontinuedOperations" xlink:label="usfr-pte_TaxEffectIncomeLossDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:to="usfr-pte_TaxEffectIncomeLossDiscontinuedOperations" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDispositionDiscontinuedOperations" xlink:label="usfr-pte_IncomeLossDispositionDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:to="usfr-pte_IncomeLossDispositionDiscontinuedOperations" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDuringPhaseOutPeriod" xlink:label="usfr-pte_IncomeLossDuringPhaseOutPeriod" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossDispositionDiscontinuedOperations" xlink:to="usfr-pte_IncomeLossDuringPhaseOutPeriod" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxEffectIncomeLossDispositionDiscontinuedOperations" xlink:label="usfr-pte_TaxEffectIncomeLossDispositionDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossDispositionDiscontinuedOperations" xlink:to="usfr-pte_TaxEffectIncomeLossDispositionDiscontinuedOperations" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProvisionDisposalDiscontinuedOperations" xlink:label="usfr-pte_ProvisionDisposalDiscontinuedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeLossDispositionDiscontinuedOperations" xlink:to="usfr-pte_ProvisionDisposalDiscontinuedOperations" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ExtraordinaryItemsNetTaxEffect" xlink:label="usfr-pte_ExtraordinaryItemsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncomeBeforeCumulativeEffectChangeAccountingPrinciple" xlink:to="usfr-pte_ExtraordinaryItemsNetTaxEffect" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ExtraordinaryItemsGross" xlink:label="usfr-pte_ExtraordinaryItemsGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ExtraordinaryItemsNetTaxEffect" xlink:to="usfr-pte_ExtraordinaryItemsGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ExtinguishmentDebt" xlink:label="usfr-pte_ExtinguishmentDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ExtraordinaryItemsGross" xlink:to="usfr-pte_ExtinguishmentDebt" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_GainLossAdjustmentsPriorYearExtraordinaryItems" xlink:label="usfr-pte_GainLossAdjustmentsPriorYearExtraordinaryItems" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ExtraordinaryItemsGross" xlink:to="usfr-pte_GainLossAdjustmentsPriorYearExtraordinaryItems" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherExtraordinaryGainLoss" xlink:label="usfr-pte_OtherExtraordinaryGainLoss" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ExtraordinaryItemsGross" xlink:to="usfr-pte_OtherExtraordinaryGainLoss" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxEffectExtraordinaryItems" xlink:label="usfr-pte_TaxEffectExtraordinaryItems" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ExtraordinaryItemsNetTaxEffect" xlink:to="usfr-pte_TaxEffectExtraordinaryItems" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherNonrecurringCharges" xlink:label="usfr-pte_OtherNonrecurringCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ExtraordinaryItemsNetTaxEffect" xlink:to="usfr-pte_OtherNonrecurringCharges" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:label="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncome" xlink:to="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EffectChangesAccountingPrincipleGross" xlink:label="usfr-pte_EffectChangesAccountingPrincipleGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:to="usfr-pte_EffectChangesAccountingPrincipleGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxEffectChangeAccountingPrinciple" xlink:label="usfr-pte_TaxEffectChangeAccountingPrinciple" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:to="usfr-pte_TaxEffectChangeAccountingPrinciple" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PreferredStockDividendsOtherAdjustments" xlink:label="usfr-pte_PreferredStockDividendsOtherAdjustments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncomeApplicableCommonStockholders" xlink:to="usfr-pte_PreferredStockDividendsOtherAdjustments" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PreferredStockDividends" xlink:label="usfr-pte_PreferredStockDividends" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to PreferredStockDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockDividendsOtherAdjustments" xlink:to="usfr-pte_PreferredStockDividends" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to PreferredStockDividends" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RedeemedPreferredStock" xlink:label="usfr-pte_RedeemedPreferredStock" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to RedeemedPreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockDividendsOtherAdjustments" xlink:to="usfr-pte_RedeemedPreferredStock" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to RedeemedPreferredStock" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ConvertiblePreferredStockConvertedOtherSecurities" xlink:label="usfr-pte_ConvertiblePreferredStockConvertedOtherSecurities" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to ConvertiblePreferredStockConvertedOtherSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockDividendsOtherAdjustments" xlink:to="usfr-pte_ConvertiblePreferredStockConvertedOtherSecurities" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to ConvertiblePreferredStockConvertedOtherSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProFormaAdjustment" xlink:label="usfr-pte_ProFormaAdjustment" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to ProFormaAdjustment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PreferredStockDividendsOtherAdjustments" xlink:to="usfr-pte_ProFormaAdjustment" xlink:title="calculation: PreferredStockDividendsOtherAdjustments to ProFormaAdjustment" order="4" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/CashFlowOperationsIndirect" xlink:title="Cash Flow from Operations - Indirect Method">
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:label="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetIncome" xlink:label="usfr-pte_NetIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-pte_NetIncome" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:label="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" xlink:label="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_IncomeLossDiscontinuedOperationsNetTaxEffect" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ExtraordinaryItemsNetTaxEffect" xlink:label="usfr-pte_ExtraordinaryItemsNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_ExtraordinaryItemsNetTaxEffect" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" xlink:label="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_CumulativeEffectChangeAccountingPrincipleNetTaxEffect" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OriginationMortgageServicingRightsMSRs" xlink:label="usfr-fste_OriginationMortgageServicingRightsMSRs" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-fste_OriginationMortgageServicingRightsMSRs" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncreaseDecreaseProvisionRestructuringChanges" xlink:label="usfr-pte_IncreaseDecreaseProvisionRestructuringChanges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_IncreaseDecreaseProvisionRestructuringChanges" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RestructuringCharges" xlink:label="usfr-pte_RestructuringCharges" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncreaseDecreaseProvisionRestructuringChanges" xlink:to="usfr-pte_RestructuringCharges" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CashPaymentsRestructuring" xlink:label="usfr-pte_CashPaymentsRestructuring" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_IncreaseDecreaseProvisionRestructuringChanges" xlink:to="usfr-pte_CashPaymentsRestructuring" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepreciationAmortizationAccretionNet" xlink:label="usfr-fste_DepreciationAmortizationAccretionNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-fste_DepreciationAmortizationAccretionNet" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AccretionAmortizationDiscountsPremiumsSecurities" xlink:label="usfr-fste_AccretionAmortizationDiscountsPremiumsSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepreciationAmortizationAccretionNet" xlink:to="usfr-fste_AccretionAmortizationDiscountsPremiumsSecurities" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AcquisitionCostsAmortized" xlink:label="usfr-fste_AcquisitionCostsAmortized" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepreciationAmortizationAccretionNet" xlink:to="usfr-fste_AcquisitionCostsAmortized" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmortizationVOBA" xlink:label="usfr-fste_AmortizationVOBA" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepreciationAmortizationAccretionNet" xlink:to="usfr-fste_AmortizationVOBA" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmortizationDeferredLoanFees" xlink:label="usfr-fste_AmortizationDeferredLoanFees" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepreciationAmortizationAccretionNet" xlink:to="usfr-fste_AmortizationDeferredLoanFees" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AmortizationMortgageServicingRightsMSRs" xlink:label="usfr-fste_AmortizationMortgageServicingRightsMSRs" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepreciationAmortizationAccretionNet" xlink:to="usfr-fste_AmortizationMortgageServicingRightsMSRs" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DepreciationAmortizationOtherUnspecified" xlink:label="usfr-pte_DepreciationAmortizationOtherUnspecified" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_DepreciationAmortizationAccretionNet" xlink:to="usfr-pte_DepreciationAmortizationOtherUnspecified" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_WriteOffAcquiredProcessResearchDevelopment" xlink:label="usfr-pte_WriteOffAcquiredProcessResearchDevelopment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_WriteOffAcquiredProcessResearchDevelopment" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AssetImpairmentCharge" xlink:label="usfr-pte_AssetImpairmentCharge" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_AssetImpairmentCharge" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_GainLossRetirementPropertyPlantEquipment" xlink:label="usfr-pte_GainLossRetirementPropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_GainLossRetirementPropertyPlantEquipment" order="9" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProvisionDoubtfulAccounts" xlink:label="usfr-pte_ProvisionDoubtfulAccounts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_ProvisionDoubtfulAccounts" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RealizedGainsLossesSaleInvestments" xlink:label="usfr-pte_RealizedGainsLossesSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_RealizedGainsLossesSaleInvestments" order="11" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_GainLossSaleBusiness" xlink:label="usfr-pte_GainLossSaleBusiness" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_GainLossSaleBusiness" order="12" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MinorityInterestNetTaxEffect" xlink:label="usfr-pte_MinorityInterestNetTaxEffect" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_MinorityInterestNetTaxEffect" order="13" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EarningsLossesEquityInvestments" xlink:label="usfr-pte_EarningsLossesEquityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_EarningsLossesEquityInvestments" order="14" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredIncomeTaxes" xlink:label="usfr-pte_DeferredIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_DeferredIncomeTaxes" order="15" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ForeignCurrencyExchangeGainsLosses" xlink:label="usfr-pte_ForeignCurrencyExchangeGainsLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_ForeignCurrencyExchangeGainsLosses" order="16" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EmployeeStockOptionPlanRestrictedStockExpense" xlink:label="usfr-pte_EmployeeStockOptionPlanRestrictedStockExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_EmployeeStockOptionPlanRestrictedStockExpense" order="17" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NoncashExpenses" xlink:label="usfr-pte_NoncashExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_NoncashExpenses" order="18" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxBenefitExerciseStockOptions" xlink:label="usfr-pte_TaxBenefitExerciseStockOptions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_TaxBenefitExerciseStockOptions" order="19" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetGainsLossRealizedSalesLoans" xlink:label="usfr-fste_NetGainsLossRealizedSalesLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-fste_NetGainsLossRealizedSalesLoans" order="20" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetGainLossRealizedSalesConsumerLoans" xlink:label="usfr-fste_NetGainLossRealizedSalesConsumerLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetGainsLossRealizedSalesLoans" xlink:to="usfr-fste_NetGainLossRealizedSalesConsumerLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetGainLossMortgageLoans" xlink:label="usfr-fste_NetGainLossMortgageLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetGainsLossRealizedSalesLoans" xlink:to="usfr-fste_NetGainLossMortgageLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProvisionForeclosedAssetLosses" xlink:label="usfr-fste_ProvisionForeclosedAssetLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-fste_ProvisionForeclosedAssetLosses" order="21" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProvisionLoanLeaseLosses" xlink:label="usfr-fste_ProvisionLoanLeaseLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ProvisionForeclosedAssetLosses" xlink:to="usfr-fste_ProvisionLoanLeaseLosses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProvisionOtherCreditLosses" xlink:label="usfr-fste_ProvisionOtherCreditLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ProvisionForeclosedAssetLosses" xlink:to="usfr-fste_ProvisionOtherCreditLosses" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProvisionOtherLosses" xlink:label="usfr-fste_ProvisionOtherLosses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ProvisionForeclosedAssetLosses" xlink:to="usfr-fste_ProvisionOtherLosses" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MSRImpairmentRecovery" xlink:label="usfr-fste_MSRImpairmentRecovery" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-fste_MSRImpairmentRecovery" order="22" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_UnrealizedGainLossSecurities" xlink:label="usfr-pte_UnrealizedGainLossSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_UnrealizedGainLossSecurities" order="23" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeOperatingAssetsLiabilities" xlink:label="usfr-pte_ChangeOperatingAssetsLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AdjustmentsReconcileNetIncomeLossNetCashProvidedUsedOperations" xlink:to="usfr-pte_ChangeOperatingAssetsLiabilities" order="24" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeCurrentAssets" xlink:label="usfr-pte_ChangeCurrentAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeOperatingAssetsLiabilities" xlink:to="usfr-pte_ChangeCurrentAssets" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_IncreaseFinanceReceivables" xlink:label="usfr-pte_IncreaseFinanceReceivables" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-pte_IncreaseFinanceReceivables" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseDecreaseAccountsReceivableSecuritization" xlink:label="usfr-fste_IncreaseDecreaseAccountsReceivableSecuritization" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-fste_IncreaseDecreaseAccountsReceivableSecuritization" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseDecreaseTradingSecurities" xlink:label="usfr-fste_IncreaseDecreaseTradingSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-fste_IncreaseDecreaseTradingSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeLoansHeldSale" xlink:label="usfr-fste_NetChangeLoansHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-fste_NetChangeLoansHeldSale" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSalesLoansHeldSale" xlink:label="usfr-fste_ProceedsSalesLoansHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansHeldSale" xlink:to="usfr-fste_ProceedsSalesLoansHeldSale" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OriginationsPurchasesLoansAvailableSaleNet" xlink:label="usfr-fste_OriginationsPurchasesLoansAvailableSaleNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansHeldSale" xlink:to="usfr-fste_OriginationsPurchasesLoansAvailableSaleNet" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseMortgageLoansHeldSale" xlink:label="usfr-fste_PurchaseMortgageLoansHeldSale" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_OriginationsPurchasesLoansAvailableSaleNet" xlink:to="usfr-fste_PurchaseMortgageLoansHeldSale" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseOriginationsMortgageBankingAssets" xlink:label="usfr-fste_PurchaseOriginationsMortgageBankingAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansHeldSale" xlink:to="usfr-fste_PurchaseOriginationsMortgageBankingAssets" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseDecreaseAccruedInvestmentIncome" xlink:label="usfr-fste_IncreaseDecreaseAccruedInvestmentIncome" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-fste_IncreaseDecreaseAccruedInvestmentIncome" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeInterestDividendsReceivable" xlink:label="usfr-fste_NetChangeInterestDividendsReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-fste_NetChangeInterestDividendsReceivable" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangeInterestReceivable" xlink:label="usfr-fste_ChangeInterestReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeInterestDividendsReceivable" xlink:to="usfr-fste_ChangeInterestReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:label="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangesRelatedPartyAccountsReceivable" xlink:label="usfr-pte_ChangesRelatedPartyAccountsReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-pte_ChangesRelatedPartyAccountsReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesRelatedPartyNotesReceivableCurrentNoncurrent" xlink:label="usfr-fste_ChangesRelatedPartyNotesReceivableCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fste_ChangesRelatedPartyNotesReceivableCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseDecreaseAmountsDueFromOfficersStockholders" xlink:label="usfr-fste_IncreaseDecreaseAmountsDueFromOfficersStockholders" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fste_IncreaseDecreaseAmountsDueFromOfficersStockholders" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesAmountsDueFromAffiliatesCurrentNoncurrent" xlink:label="usfr-fste_ChangesAmountsDueFromAffiliatesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fste_ChangesAmountsDueFromAffiliatesCurrentNoncurrent" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesAmountsDueFromOtherRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fste_ChangesAmountsDueFromOtherRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesRelatedPartyReceivablesCurrentNoncurrent" xlink:to="usfr-fste_ChangesAmountsDueFromOtherRelatedPartiesCurrentNoncurrent" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeOtherCurrentAssets" xlink:label="usfr-pte_ChangeOtherCurrentAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentAssets" xlink:to="usfr-pte_ChangeOtherCurrentAssets" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeCurrentLiabilities" xlink:label="usfr-pte_ChangeCurrentLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeOperatingAssetsLiabilities" xlink:to="usfr-pte_ChangeCurrentLiabilities" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeAccountsPayableAccruedExpenses" xlink:label="usfr-pte_ChangeAccountsPayableAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_ChangeAccountsPayableAccruedExpenses" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangesAccountsPayable" xlink:label="usfr-pte_ChangesAccountsPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeAccountsPayableAccruedExpenses" xlink:to="usfr-pte_ChangesAccountsPayable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangesAccruedExpenses" xlink:label="usfr-pte_ChangesAccruedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeAccountsPayableAccruedExpenses" xlink:to="usfr-pte_ChangesAccruedExpenses" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangesAccountsPayableRelatedParties" xlink:label="usfr-pte_ChangesAccountsPayableRelatedParties" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" xlink:to="usfr-pte_ChangesAccountsPayableRelatedParties" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesNotesPayableRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fste_ChangesNotesPayableRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fste_ChangesNotesPayableRelatedPartiesCurrentNoncurrent" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesAmountsDueToOfficersStockholdersCurrentNoncurrent" xlink:label="usfr-fste_ChangesAmountsDueToOfficersStockholdersCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fste_ChangesAmountsDueToOfficersStockholdersCurrentNoncurrent" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesAmountsDueToAffiliatesCurrentNoncurrent" xlink:label="usfr-fste_ChangesAmountsDueToAffiliatesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fste_ChangesAmountsDueToAffiliatesCurrentNoncurrent" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangesAmountsDueToOtherRelatedPartiesCurrentNoncurrent" xlink:label="usfr-fste_ChangesAmountsDueToOtherRelatedPartiesCurrentNoncurrent" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangesAmountsDueToRelatedPartiesCurrentNoncurrent" xlink:to="usfr-fste_ChangesAmountsDueToOtherRelatedPartiesCurrentNoncurrent" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DeferredRevenue" xlink:label="usfr-pte_DeferredRevenue" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_DeferredRevenue" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeIncomeTaxesPayable" xlink:label="usfr-pte_ChangeIncomeTaxesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_ChangeIncomeTaxesPayable" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeInterestPayableNet" xlink:label="usfr-pte_ChangeInterestPayableNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_ChangeInterestPayableNet" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeEmployeeRelatedLiabilities" xlink:label="usfr-pte_ChangeEmployeeRelatedLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_ChangeEmployeeRelatedLiabilities" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangePrepaidPensionCosts" xlink:label="usfr-pte_ChangePrepaidPensionCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_ChangePrepaidPensionCosts" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeUndisbursedLoanFunds" xlink:label="usfr-fste_NetChangeUndisbursedLoanFunds" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-fste_NetChangeUndisbursedLoanFunds" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeLiabilityChecksIssued" xlink:label="usfr-fste_NetChangeLiabilityChecksIssued" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-fste_NetChangeLiabilityChecksIssued" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeOtherCurrentLiabilities" xlink:label="usfr-pte_ChangeOtherCurrentLiabilities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeCurrentLiabilities" xlink:to="usfr-pte_ChangeOtherCurrentLiabilities" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherChangesNet" xlink:label="usfr-pte_OtherChangesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeOperatingAssetsLiabilities" xlink:to="usfr-pte_OtherChangesNet" order="3" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/CashFlowOperationsDirect" xlink:title="Cash Flow from Operations - Direct Method">
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:label="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InterestDividendsLoansOtherDebtEquityOtherEntities" xlink:label="usfr-pte_InterestDividendsLoansOtherDebtEquityOtherEntities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-pte_InterestDividendsLoansOtherDebtEquityOtherEntities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_InterestReceived" xlink:label="usfr-pte_InterestReceived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestDividendsLoansOtherDebtEquityOtherEntities" xlink:to="usfr-pte_InterestReceived" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DividendsReceived" xlink:label="usfr-pte_DividendsReceived" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestDividendsLoansOtherDebtEquityOtherEntities" xlink:to="usfr-pte_DividendsReceived" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherCashReceipts" xlink:label="usfr-pte_OtherCashReceipts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_InterestDividendsLoansOtherDebtEquityOtherEntities" xlink:to="usfr-pte_OtherCashReceipts" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CashPaidEmployeesSuppliers" xlink:label="usfr-pte_CashPaidEmployeesSuppliers" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-pte_CashPaidEmployeesSuppliers" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentsOtherGoodsServices" xlink:label="usfr-pte_PaymentsOtherGoodsServices" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashPaidEmployeesSuppliers" xlink:to="usfr-pte_PaymentsOtherGoodsServices" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_TaxesPaid" xlink:label="usfr-pte_TaxesPaid" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashPaidEmployeesSuppliers" xlink:to="usfr-pte_TaxesPaid" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CashTotalInterestExpense" xlink:label="usfr-pte_CashTotalInterestExpense" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashPaidEmployeesSuppliers" xlink:to="usfr-pte_CashTotalInterestExpense" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherCashPayments" xlink:label="usfr-pte_OtherCashPayments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_CashPaidEmployeesSuppliers" xlink:to="usfr-pte_OtherCashPayments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsSalesSecurities" xlink:label="usfr-fste_CashReceiptsSalesSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsSalesSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashPaymentsPurchasesSecurities" xlink:label="usfr-fste_CashPaymentsPurchasesSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashPaymentsPurchasesSecurities" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsSaleOtherAssets" xlink:label="usfr-fste_CashReceiptsSaleOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsSaleOtherAssets" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashPaymentsPurchaseOtherAssets" xlink:label="usfr-fste_CashPaymentsPurchaseOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashPaymentsPurchaseOtherAssets" order="6" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsPaymentsDepositsOtherInstitutions" xlink:label="usfr-fste_CashReceiptsPaymentsDepositsOtherInstitutions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsPaymentsDepositsOtherInstitutions" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsPaymentsWithdrawalsDeposits" xlink:label="usfr-fste_CashReceiptsPaymentsWithdrawalsDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsPaymentsWithdrawalsDeposits" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsPaymentsTimeDepositsAccepted" xlink:label="usfr-fste_CashReceiptsPaymentsTimeDepositsAccepted" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsPaymentsTimeDepositsAccepted" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsPaymentsRepaymentsDeposits" xlink:label="usfr-fste_CashReceiptsPaymentsRepaymentsDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsPaymentsRepaymentsDeposits" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsPaymentsLoansMadeCustomers" xlink:label="usfr-fste_CashReceiptsPaymentsLoansMadeCustomers" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsPaymentsLoansMadeCustomers" order="11" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CashReceiptsPaymentsPrincipalCollectionsLoans" xlink:label="usfr-fste_CashReceiptsPaymentsPrincipalCollectionsLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:to="usfr-fste_CashReceiptsPaymentsPrincipalCollectionsLoans" order="12" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/StatementCashFlows">
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetIncreaseDecreaseCashCashEquivalents" xlink:label="usfr-pte_NetIncreaseDecreaseCashCashEquivalents" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" xlink:label="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pte_NetCashFlowsProvidedUsedOperatingActivities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:label="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeInterestBearingDepositsBanks" xlink:label="usfr-fste_NetChangeInterestBearingDepositsBanks" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_NetChangeInterestBearingDepositsBanks" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fste_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeFederalFundsSold" xlink:label="usfr-fste_NetChangeFederalFundsSold" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:to="usfr-fste_NetChangeFederalFundsSold" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fste_NetChangeSecuritiesPurchasedUnderAgreementsResell" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:to="usfr-fste_NetChangeSecuritiesPurchasedUnderAgreementsResell" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeShortTermInvestments" xlink:label="usfr-pte_ChangeShortTermInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_ChangeShortTermInvestments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseShortTermInvestmentsNet" xlink:label="usfr-pte_PurchaseShortTermInvestmentsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeShortTermInvestments" xlink:to="usfr-pte_PurchaseShortTermInvestmentsNet" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSaleShortTermInvestmentsNet" xlink:label="usfr-pte_ProceedsSaleShortTermInvestmentsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeShortTermInvestments" xlink:to="usfr-pte_ProceedsSaleShortTermInvestmentsNet" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseInvestments" xlink:label="usfr-pte_PurchaseInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_PurchaseInvestments" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseNotesReceivable" xlink:label="usfr-pte_PurchaseNotesReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PurchaseNotesReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseMarketableSecurities" xlink:label="usfr-pte_PurchaseMarketableSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PurchaseMarketableSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseAvailableSaleInvestments" xlink:label="usfr-pte_PurchaseAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseMarketableSecurities" xlink:to="usfr-pte_PurchaseAvailableSaleInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseHeldMaturityInvestments" xlink:label="usfr-pte_PurchaseHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseMarketableSecurities" xlink:to="usfr-pte_PurchaseHeldMaturityInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseMortgageBackedSecurities" xlink:label="usfr-fste_PurchaseMortgageBackedSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseMarketableSecurities" xlink:to="usfr-fste_PurchaseMortgageBackedSecurities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseLifeInsurancePolicies" xlink:label="usfr-pte_PurchaseLifeInsurancePolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PurchaseLifeInsurancePolicies" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentsUnconsolidatedAffiliates" xlink:label="usfr-pte_PaymentsUnconsolidatedAffiliates" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PaymentsUnconsolidatedAffiliates" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseConsolidatedSubsidiaries" xlink:label="usfr-pte_PurchaseConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PurchaseConsolidatedSubsidiaries" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InvestmentsRealEstateHeldInvestment" xlink:label="usfr-fste_InvestmentsRealEstateHeldInvestment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-fste_InvestmentsRealEstateHeldInvestment" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseProceedsOtherInvestments" xlink:label="usfr-pte_PurchaseProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PurchaseProceedsOtherInvestments" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PurchaseOtherAssets" xlink:label="usfr-pte_PurchaseOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PurchaseInvestments" xlink:to="usfr-pte_PurchaseOtherAssets" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_SaleInvestments" xlink:label="usfr-pte_SaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_SaleInvestments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsPrincipalCollectionsNotesReceivable" xlink:label="usfr-pte_ProceedsPrincipalCollectionsNotesReceivable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_SaleInvestments" xlink:to="usfr-pte_ProceedsPrincipalCollectionsNotesReceivable" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsMarketableSecurities" xlink:label="usfr-pte_ProceedsMarketableSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_SaleInvestments" xlink:to="usfr-pte_ProceedsMarketableSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsAvailableSaleInvestments" xlink:label="usfr-pte_ProceedsAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsMarketableSecurities" xlink:to="usfr-pte_ProceedsAvailableSaleInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSaleAvailableSaleInvestments" xlink:label="usfr-pte_ProceedsSaleAvailableSaleInvestments" xlink:title="calculation: ProceedsAvailableSaleInvestments to ProceedsSaleAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsAvailableSaleInvestments" xlink:to="usfr-pte_ProceedsSaleAvailableSaleInvestments" xlink:title="calculation: ProceedsAvailableSaleInvestments to ProceedsSaleAvailableSaleInvestments" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" xlink:label="usfr-pte_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" xlink:title="calculation: ProceedsAvailableSaleInvestments to ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsAvailableSaleInvestments" xlink:to="usfr-pte_ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" xlink:title="calculation: ProceedsAvailableSaleInvestments to ProceedsMaturitiesPrepaymentsCallsAvailableSaleInvestments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsHeldMaturityInvestments" xlink:label="usfr-pte_ProceedsHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsMarketableSecurities" xlink:to="usfr-pte_ProceedsHeldMaturityInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSaleHeldMaturityInvestments" xlink:label="usfr-pte_ProceedsSaleHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsHeldMaturityInvestments" xlink:to="usfr-pte_ProceedsSaleHeldMaturityInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" xlink:label="usfr-pte_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" xlink:title="calculation: ProceedsHeldMaturityInvestments to ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsHeldMaturityInvestments" xlink:to="usfr-pte_ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" xlink:title="calculation: ProceedsHeldMaturityInvestments to ProceedsMaturitiesPrepaymentsCallsHeldMaturityInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSalesMortgageBackedSecuritiesMBS" xlink:label="usfr-fste_ProceedsSalesMortgageBackedSecuritiesMBS" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsMarketableSecurities" xlink:to="usfr-fste_ProceedsSalesMortgageBackedSecuritiesMBS" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_SaleDebtEquitySecurities" xlink:label="usfr-pte_SaleDebtEquitySecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsMarketableSecurities" xlink:to="usfr-pte_SaleDebtEquitySecurities" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsLifeInsurancePolicies" xlink:label="usfr-pte_ProceedsLifeInsurancePolicies" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_SaleInvestments" xlink:to="usfr-pte_ProceedsLifeInsurancePolicies" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentsUnconsolidatedAffiliatesChangesBalances" xlink:label="usfr-pte_PaymentsUnconsolidatedAffiliatesChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_SaleInvestments" xlink:to="usfr-pte_PaymentsUnconsolidatedAffiliatesChangesBalances" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsConsolidatedSubsidiaries" xlink:label="usfr-pte_ProceedsConsolidatedSubsidiaries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_SaleInvestments" xlink:to="usfr-pte_ProceedsConsolidatedSubsidiaries" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsOtherInvestments" xlink:label="usfr-pte_ProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_SaleInvestments" xlink:to="usfr-pte_ProceedsOtherInvestments" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSaleProceedsOtherInvestments" xlink:label="usfr-fste_ProceedsSaleProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsOtherInvestments" xlink:to="usfr-fste_ProceedsSaleProceedsOtherInvestments" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" xlink:label="usfr-fste_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsOtherInvestments" xlink:to="usfr-fste_ProceedsPrepaymentsMaturitiesProceedsOtherInvestments" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseDecreaseFederalHomeLoanBankStock" xlink:label="usfr-fste_IncreaseDecreaseFederalHomeLoanBankStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_IncreaseDecreaseFederalHomeLoanBankStock" order="6" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseFederalReserveStock" xlink:label="usfr-fste_PurchaseFederalReserveStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_IncreaseDecreaseFederalHomeLoanBankStock" xlink:to="usfr-fste_PurchaseFederalReserveStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_SalesFederalReserveStock" xlink:label="usfr-fste_SalesFederalReserveStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_IncreaseDecreaseFederalHomeLoanBankStock" xlink:to="usfr-fste_SalesFederalReserveStock" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeLoansLeases" xlink:label="usfr-fste_NetChangeLoansLeases" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_NetChangeLoansLeases" order="7" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetLoanLeaseOriginationsPrincipalCollections" xlink:label="usfr-fste_NetLoanLeaseOriginationsPrincipalCollections" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansLeases" xlink:to="usfr-fste_NetLoanLeaseOriginationsPrincipalCollections" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSalesLoansLeasesHeldInvestment" xlink:label="usfr-fste_ProceedsSalesLoansLeasesHeldInvestment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansLeases" xlink:to="usfr-fste_ProceedsSalesLoansLeasesHeldInvestment" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSecuritizationsLoans" xlink:label="usfr-fste_ProceedsSecuritizationsLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ProceedsSalesLoansLeasesHeldInvestment" xlink:to="usfr-fste_ProceedsSecuritizationsLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSecuritizationsConsumerLoans" xlink:label="usfr-fste_ProceedsSecuritizationsConsumerLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ProceedsSalesLoansLeasesHeldInvestment" xlink:to="usfr-fste_ProceedsSecuritizationsConsumerLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSecuritizationsCreditCards" xlink:label="usfr-fste_ProceedsSecuritizationsCreditCards" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ProceedsSalesLoansLeasesHeldInvestment" xlink:to="usfr-fste_ProceedsSecuritizationsCreditCards" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseLoansLeasesHeldInvestment" xlink:label="usfr-fste_PurchaseLoansLeasesHeldInvestment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansLeases" xlink:to="usfr-fste_PurchaseLoansLeasesHeldInvestment" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseSecuritizationsCreditCards" xlink:label="usfr-fste_PurchaseSecuritizationsCreditCards" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_PurchaseLoansLeasesHeldInvestment" xlink:to="usfr-fste_PurchaseSecuritizationsCreditCards" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PurchaseLoansLeasesHeldInvestmentOther" xlink:label="usfr-fste_PurchaseLoansLeasesHeldInvestmentOther" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_PurchaseLoansLeasesHeldInvestment" xlink:to="usfr-fste_PurchaseLoansLeasesHeldInvestmentOther" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PrincipalPaymentsLoansReceivableHeldInvestment" xlink:label="usfr-fste_PrincipalPaymentsLoansReceivableHeldInvestment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansLeases" xlink:to="usfr-fste_PrincipalPaymentsLoansReceivableHeldInvestment" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_RecoveriesLoansPreviouslyChargedOff" xlink:label="usfr-fste_RecoveriesLoansPreviouslyChargedOff" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansLeases" xlink:to="usfr-fste_RecoveriesLoansPreviouslyChargedOff" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OtherChangesLoansLeasesNet" xlink:label="usfr-fste_OtherChangesLoansLeasesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeLoansLeases" xlink:to="usfr-fste_OtherChangesLoansLeasesNet" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSalesForeclosedAssets" xlink:label="usfr-fste_ProceedsSalesForeclosedAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_ProceedsSalesForeclosedAssets" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSalesWhollyOwnedRealEstateRealEstateAcquiredSettlementLoans" xlink:label="usfr-fste_ProceedsSalesWhollyOwnedRealEstateRealEstateAcquiredSettlementLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_ProceedsSalesWhollyOwnedRealEstateRealEstateAcquiredSettlementLoans" order="9" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsSalesOtherRealEstate" xlink:label="usfr-fste_ProceedsSalesOtherRealEstate" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_ProceedsSalesOtherRealEstate" order="10" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CapitalAdditionsNet" xlink:label="usfr-pte_CapitalAdditionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_CapitalAdditionsNet" order="11" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSalePropertyPlantEquipment" xlink:label="usfr-pte_ProceedsSalePropertyPlantEquipment" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_ProceedsSalePropertyPlantEquipment" order="12" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChangeMortgageServicingRights" xlink:label="usfr-fste_ChangeMortgageServicingRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-fste_ChangeMortgageServicingRights" order="13" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseMortgageServicingRights" xlink:label="usfr-fste_IncreaseMortgageServicingRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangeMortgageServicingRights" xlink:to="usfr-fste_IncreaseMortgageServicingRights" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetProceedsSaleMortgageServicingRights" xlink:label="usfr-fste_NetProceedsSaleMortgageServicingRights" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChangeMortgageServicingRights" xlink:to="usfr-fste_NetProceedsSaleMortgageServicingRights" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_SoftwareDevelopmentCosts" xlink:label="usfr-pte_SoftwareDevelopmentCosts" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_SoftwareDevelopmentCosts" order="14" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AcquisitionDivestitureBusinessActivitiesNet" xlink:label="usfr-pte_AcquisitionDivestitureBusinessActivitiesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_AcquisitionDivestitureBusinessActivitiesNet" order="15" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_AcquisitionBusinessesNetCashAcquired" xlink:label="usfr-pte_AcquisitionBusinessesNetCashAcquired" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AcquisitionDivestitureBusinessActivitiesNet" xlink:to="usfr-pte_AcquisitionBusinessesNetCashAcquired" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSaleBusiness" xlink:label="usfr-pte_ProceedsSaleBusiness" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_AcquisitionDivestitureBusinessActivitiesNet" xlink:to="usfr-pte_ProceedsSaleBusiness" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSaleOtherAssets" xlink:label="usfr-pte_ProceedsSaleOtherAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_ProceedsSaleOtherAssets" order="16" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherInvestingActivitiesNet" xlink:label="usfr-pte_OtherInvestingActivitiesNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedInvestingActivities" xlink:to="usfr-pte_OtherInvestingActivitiesNet" order="17" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:label="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetChangeDebt" xlink:label="usfr-pte_NetChangeDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:to="usfr-pte_NetChangeDebt" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeShortTermBorrowings" xlink:label="usfr-pte_ChangeShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeDebt" xlink:to="usfr-pte_ChangeShortTermBorrowings" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ChangeBankOverdraftsNet" xlink:label="usfr-pte_ChangeBankOverdraftsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeShortTermBorrowings" xlink:to="usfr-pte_ChangeBankOverdraftsNet" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsShortTermBorrowings" xlink:label="usfr-pte_ProceedsShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeShortTermBorrowings" xlink:to="usfr-pte_ProceedsShortTermBorrowings" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsLineCreditChangesBalances" xlink:label="usfr-pte_ProceedsLineCreditChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsShortTermBorrowings" xlink:to="usfr-pte_ProceedsLineCreditChangesBalances" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsSubordinateDebt" xlink:label="usfr-pte_ProceedsSubordinateDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsShortTermBorrowings" xlink:to="usfr-pte_ProceedsSubordinateDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsNotesPayable" xlink:label="usfr-pte_ProceedsNotesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsShortTermBorrowings" xlink:to="usfr-pte_ProceedsNotesPayable" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsOtherDebtChangesBalances" xlink:label="usfr-pte_ProceedsOtherDebtChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsShortTermBorrowings" xlink:to="usfr-pte_ProceedsOtherDebtChangesBalances" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsShortTermBorrowings" xlink:label="usfr-pte_RepaymentsShortTermBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeShortTermBorrowings" xlink:to="usfr-pte_RepaymentsShortTermBorrowings" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsLineCredit" xlink:label="usfr-pte_RepaymentsLineCredit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsShortTermBorrowings" xlink:to="usfr-pte_RepaymentsLineCredit" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ReductionCapitalLeaseObligations" xlink:label="usfr-pte_ReductionCapitalLeaseObligations" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsShortTermBorrowings" xlink:to="usfr-pte_ReductionCapitalLeaseObligations" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsNotesPayable" xlink:label="usfr-pte_RepaymentsNotesPayable" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsShortTermBorrowings" xlink:to="usfr-pte_RepaymentsNotesPayable" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsOtherDebt" xlink:label="usfr-pte_RepaymentsOtherDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsShortTermBorrowings" xlink:to="usfr-pte_RepaymentsOtherDebt" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fste_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ChangeShortTermBorrowings" xlink:to="usfr-fste_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeFederalFundsPurchased" xlink:label="usfr-fste_NetChangeFederalFundsPurchased" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:to="usfr-fste_NetChangeFederalFundsPurchased" order="1" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fste_NetChangeSecuritiesSoldUnderAgreementsRepurchase" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:to="usfr-fste_NetChangeSecuritiesSoldUnderAgreementsRepurchase" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetChangeLongTermDebtCapitalSecurities" xlink:label="usfr-pte_NetChangeLongTermDebtCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeDebt" xlink:to="usfr-pte_NetChangeLongTermDebtCapitalSecurities" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsLongTermDebt" xlink:label="usfr-pte_ProceedsLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeLongTermDebtCapitalSecurities" xlink:to="usfr-pte_ProceedsLongTermDebt" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsIssuanceMediumTermNotes" xlink:label="usfr-fste_ProceedsIssuanceMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsLongTermDebt" xlink:to="usfr-fste_ProceedsIssuanceMediumTermNotes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IssuancesSeniorDebt" xlink:label="usfr-fste_IssuancesSeniorDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsLongTermDebt" xlink:to="usfr-fste_IssuancesSeniorDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IssuancesSubordinatedDebt" xlink:label="usfr-fste_IssuancesSubordinatedDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsLongTermDebt" xlink:to="usfr-fste_IssuancesSubordinatedDebt" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProceedsFederalHomeLoanBankBorrowings" xlink:label="usfr-fste_ProceedsFederalHomeLoanBankBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsLongTermDebt" xlink:to="usfr-fste_ProceedsFederalHomeLoanBankBorrowings" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" xlink:label="usfr-pte_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsLongTermDebt" xlink:to="usfr-pte_ProceedsIssuanceCompanyObligatedMandatorilyRedeemableCapitalSecurities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuanceOtherLongTermDebt" xlink:label="usfr-pte_ProceedsIssuanceOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsLongTermDebt" xlink:to="usfr-pte_ProceedsIssuanceOtherLongTermDebt" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsLongTermDebt" xlink:label="usfr-pte_RepaymentsLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeLongTermDebtCapitalSecurities" xlink:to="usfr-pte_RepaymentsLongTermDebt" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PaymentsMediumTermNotes" xlink:label="usfr-fste_PaymentsMediumTermNotes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsLongTermDebt" xlink:to="usfr-fste_PaymentsMediumTermNotes" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MaturitiesSeniorDebt" xlink:label="usfr-fste_MaturitiesSeniorDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsLongTermDebt" xlink:to="usfr-fste_MaturitiesSeniorDebt" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MaturitiesSubordinatedDebt" xlink:label="usfr-fste_MaturitiesSubordinatedDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsLongTermDebt" xlink:to="usfr-fste_MaturitiesSubordinatedDebt" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_PaymentsFederalHomeLoanBankBorrowings" xlink:label="usfr-fste_PaymentsFederalHomeLoanBankBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsLongTermDebt" xlink:to="usfr-fste_PaymentsFederalHomeLoanBankBorrowings" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" xlink:label="usfr-pte_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsLongTermDebt" xlink:to="usfr-pte_RepaymentsCompanyObligatedMandatorilyRedeemableCapitalSecurities" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepaymentsOtherLongTermDebt" xlink:label="usfr-pte_RepaymentsOtherLongTermDebt" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepaymentsLongTermDebt" xlink:to="usfr-pte_RepaymentsOtherLongTermDebt" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeOtherBorrowings" xlink:label="usfr-fste_NetChangeOtherBorrowings" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeDebt" xlink:to="usfr-fste_NetChangeOtherBorrowings" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_NetChangeEquity" xlink:label="usfr-pte_NetChangeEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:to="usfr-pte_NetChangeEquity" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuanceEquity" xlink:label="usfr-pte_ProceedsIssuanceEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeEquity" xlink:to="usfr-pte_ProceedsIssuanceEquity" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuanceCommonStock" xlink:label="usfr-pte_ProceedsIssuanceCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_ProceedsIssuanceCommonStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuanceTreasuryStock" xlink:label="usfr-pte_ProceedsIssuanceTreasuryStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_ProceedsIssuanceTreasuryStock" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuancePreferredStock" xlink:label="usfr-pte_ProceedsIssuancePreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_ProceedsIssuancePreferredStock" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsStockOptionsExercised" xlink:label="usfr-pte_ProceedsStockOptionsExercised" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_ProceedsStockOptionsExercised" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_ProceedsIssuanceWarrants" xlink:label="usfr-pte_ProceedsIssuanceWarrants" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_ProceedsIssuanceWarrants" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_SaleInterestSubsidiary" xlink:label="usfr-pte_SaleInterestSubsidiary" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_SaleInterestSubsidiary" order="7" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherEquityChangesBalances" xlink:label="usfr-pte_OtherEquityChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_ProceedsIssuanceEquity" xlink:to="usfr-pte_OtherEquityChangesBalances" order="8" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentRepurchasesEquity" xlink:label="usfr-pte_PaymentRepurchasesEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeEquity" xlink:to="usfr-pte_PaymentRepurchasesEquity" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepurchasePreferredCommonStock" xlink:label="usfr-pte_RepurchasePreferredCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PaymentRepurchasesEquity" xlink:to="usfr-pte_RepurchasePreferredCommonStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepurchaseCommonStock" xlink:label="usfr-pte_RepurchaseCommonStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepurchasePreferredCommonStock" xlink:to="usfr-pte_RepurchaseCommonStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepurchasePreferredStock" xlink:label="usfr-pte_RepurchasePreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_RepurchasePreferredCommonStock" xlink:to="usfr-pte_RepurchasePreferredStock" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MinorityInterestSubsidiaryChangesBalances" xlink:label="usfr-pte_MinorityInterestSubsidiaryChangesBalances" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PaymentRepurchasesEquity" xlink:to="usfr-pte_MinorityInterestSubsidiaryChangesBalances" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_RepurchaseWarrants" xlink:label="usfr-pte_RepurchaseWarrants" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PaymentRepurchasesEquity" xlink:to="usfr-pte_RepurchaseWarrants" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentsRepurchaseOtherEquity" xlink:label="usfr-pte_PaymentsRepurchaseOtherEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PaymentRepurchasesEquity" xlink:to="usfr-pte_PaymentsRepurchaseOtherEquity" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PreferredStockTransactionsNet" xlink:label="usfr-pte_PreferredStockTransactionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeEquity" xlink:to="usfr-pte_PreferredStockTransactionsNet" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_CommonStockTransactionsNet" xlink:label="usfr-pte_CommonStockTransactionsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetChangeEquity" xlink:to="usfr-pte_CommonStockTransactionsNet" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_MergerRelatedExpenses" xlink:label="usfr-pte_MergerRelatedExpenses" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:to="usfr-pte_MergerRelatedExpenses" order="3" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentDividends" xlink:label="usfr-pte_PaymentDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:to="usfr-pte_PaymentDividends" order="4" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_DividendsCommonPreferredStock" xlink:label="usfr-pte_DividendsCommonPreferredStock" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PaymentDividends" xlink:to="usfr-pte_DividendsCommonPreferredStock" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentCommonDividends" xlink:label="usfr-pte_PaymentCommonDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DividendsCommonPreferredStock" xlink:to="usfr-pte_PaymentCommonDividends" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentPreferredDividends" xlink:label="usfr-pte_PaymentPreferredDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_DividendsCommonPreferredStock" xlink:to="usfr-pte_PaymentPreferredDividends" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_PaymentMinorityInterestDividends" xlink:label="usfr-pte_PaymentMinorityInterestDividends" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_PaymentDividends" xlink:to="usfr-pte_PaymentMinorityInterestDividends" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NetChangeDeposits" xlink:label="usfr-fste_NetChangeDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:to="usfr-fste_NetChangeDeposits" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_IncreaseDecreaseDeposits" xlink:label="usfr-fste_IncreaseDecreaseDeposits" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeDeposits" xlink:to="usfr-fste_IncreaseDecreaseDeposits" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_DepositsPurchasedSold" xlink:label="usfr-fste_DepositsPurchasedSold" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NetChangeDeposits" xlink:to="usfr-fste_DepositsPurchasedSold" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_OtherNet" xlink:label="usfr-pte_OtherNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetCashFlowsProvidedUsedFinancingActivities" xlink:to="usfr-pte_OtherNet" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/pte/2005-02-28/usfr-pte-2005-02-28.xsd#usfr-pte_EffectExchangeRateCashCashEquivalents" xlink:label="usfr-pte_EffectExchangeRateCashCashEquivalents" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-pte_NetIncreaseDecreaseCashCashEquivalents" xlink:to="usfr-pte_EffectExchangeRateCashCashEquivalents" order="4" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/Notes" xlink:title="Notes to the Financial Statements">
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AllowanceLoanLossesChanges" xlink:label="usfr-fste_AllowanceLoanLossesChanges" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AllowanceLoansAcquiredSoldSecuritizedTransferredNet" xlink:label="usfr-fste_AllowanceLoansAcquiredSoldSecuritizedTransferredNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AllowanceLoanLossesChanges" xlink:to="usfr-fste_AllowanceLoansAcquiredSoldSecuritizedTransferredNet" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AllowanceLoansAcquired" xlink:label="usfr-fste_AllowanceLoansAcquired" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AllowanceLoansAcquiredSoldSecuritizedTransferredNet" xlink:to="usfr-fste_AllowanceLoansAcquired" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AllowanceLoansSoldSecuritized" xlink:label="usfr-fste_AllowanceLoansSoldSecuritized" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AllowanceLoansAcquiredSoldSecuritizedTransferredNet" xlink:to="usfr-fste_AllowanceLoansSoldSecuritized" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChargeOffsNet" xlink:label="usfr-fste_ChargeOffsNet" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AllowanceLoanLossesChanges" xlink:to="usfr-fste_ChargeOffsNet" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ChargeOffsGross" xlink:label="usfr-fste_ChargeOffsGross" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChargeOffsNet" xlink:to="usfr-fste_ChargeOffsGross" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_Recoveries" xlink:label="usfr-fste_Recoveries" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_ChargeOffsNet" xlink:to="usfr-fste_Recoveries" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignCurrencyTranslation" xlink:label="usfr-fste_ForeignCurrencyTranslation" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AllowanceLoanLossesChanges" xlink:to="usfr-fste_ForeignCurrencyTranslation" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ProvisionLoanLeaseLossesMovement" xlink:label="usfr-fste_ProvisionLoanLeaseLossesMovement" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_AllowanceLoanLossesChanges" xlink:to="usfr-fste_ProvisionLoanLeaseLossesMovement" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_GrossGainLossSalesSecurities" xlink:label="usfr-fste_GrossGainLossSalesSecurities" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_GrossGainSalesSecurities" xlink:label="usfr-fste_GrossGainSalesSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_GrossGainLossSalesSecurities" xlink:to="usfr-fste_GrossGainSalesSecurities" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_GrossLossesSalesSecurities" xlink:label="usfr-fste_GrossLossesSalesSecurities" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_GrossGainLossSalesSecurities" xlink:to="usfr-fste_GrossLossesSalesSecurities" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeForegone" xlink:label="usfr-fste_InterestIncomeForegone" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeReceivableUnderOriginalTerms" xlink:label="usfr-fste_InterestIncomeReceivableUnderOriginalTerms" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeForegone" xlink:to="usfr-fste_InterestIncomeReceivableUnderOriginalTerms" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeRecognized" xlink:label="usfr-fste_InterestIncomeRecognized" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeForegone" xlink:to="usfr-fste_InterestIncomeRecognized" order="2" weight="-1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolio" xlink:label="usfr-fste_LoansLoansHeldPortfolio" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialLoans" xlink:label="usfr-fste_CommercialLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_CommercialLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioCommercialRealEstate" xlink:label="usfr-fste_LoansLoansHeldPortfolioCommercialRealEstate" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_CommercialLoans" xlink:to="usfr-fste_LoansLoansHeldPortfolioCommercialRealEstate" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialLoansMortgage" xlink:label="usfr-fste_CommercialLoansMortgage" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioCommercialRealEstate" xlink:to="usfr-fste_CommercialLoansMortgage" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialConstructionLoans" xlink:label="usfr-fste_CommercialConstructionLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioCommercialRealEstate" xlink:to="usfr-fste_CommercialConstructionLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MajorLoanCategoriesCommercialFinancialAgricultural" xlink:label="usfr-fste_MajorLoanCategoriesCommercialFinancialAgricultural" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_CommercialLoans" xlink:to="usfr-fste_MajorLoanCategoriesCommercialFinancialAgricultural" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialIndustrial" xlink:label="usfr-fste_CommercialIndustrial" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesCommercialFinancialAgricultural" xlink:to="usfr-fste_CommercialIndustrial" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialLoansFinancialInstitutions" xlink:label="usfr-fste_CommercialLoansFinancialInstitutions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesCommercialFinancialAgricultural" xlink:to="usfr-fste_CommercialLoansFinancialInstitutions" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MajorLoanCategoriesMortgageWarehouseLending" xlink:label="usfr-fste_MajorLoanCategoriesMortgageWarehouseLending" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_CommercialLoans" xlink:to="usfr-fste_MajorLoanCategoriesMortgageWarehouseLending" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialLoansLeaseFinancing" xlink:label="usfr-fste_CommercialLoansLeaseFinancing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_CommercialLoans" xlink:to="usfr-fste_CommercialLoansLeaseFinancing" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CommercialLoansGovernments" xlink:label="usfr-fste_CommercialLoansGovernments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_CommercialLoans" xlink:to="usfr-fste_CommercialLoansGovernments" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioConsumerLoans" xlink:label="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioResidentialRealEstateLoans" xlink:label="usfr-fste_LoansLoansHeldPortfolioResidentialRealEstateLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" xlink:to="usfr-fste_LoansLoansHeldPortfolioResidentialRealEstateLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ConsumerLoansMortgage" xlink:label="usfr-fste_ConsumerLoansMortgage" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioResidentialRealEstateLoans" xlink:to="usfr-fste_ConsumerLoansMortgage" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ConsumerLoansConstruction" xlink:label="usfr-fste_ConsumerLoansConstruction" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioResidentialRealEstateLoans" xlink:to="usfr-fste_ConsumerLoansConstruction" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:label="usfr-fste_MajorLoanCategoriesInstallmentLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" xlink:to="usfr-fste_MajorLoanCategoriesInstallmentLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_HomeEquity" xlink:label="usfr-fste_HomeEquity" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:to="usfr-fste_HomeEquity" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_AutomobilesMarineOtherVehicles" xlink:label="usfr-fste_AutomobilesMarineOtherVehicles" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:to="usfr-fste_AutomobilesMarineOtherVehicles" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_CreditCard" xlink:label="usfr-fste_CreditCard" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:to="usfr-fste_CreditCard" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_RevolvingCredit" xlink:label="usfr-fste_RevolvingCredit" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:to="usfr-fste_RevolvingCredit" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_Student" xlink:label="usfr-fste_Student" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:to="usfr-fste_Student" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OtherInstallmentLoans" xlink:label="usfr-fste_OtherInstallmentLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_MajorLoanCategoriesInstallmentLoans" xlink:to="usfr-fste_OtherInstallmentLoans" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OtherConsumer" xlink:label="usfr-fste_OtherConsumer" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioConsumerLoans" xlink:to="usfr-fste_OtherConsumer" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MajorLoanCategoriesRealEstateConstruction" xlink:label="usfr-fste_MajorLoanCategoriesRealEstateConstruction" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_MajorLoanCategoriesRealEstateConstruction" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioLeaseFinancing" xlink:label="usfr-fste_LoansLoansHeldPortfolioLeaseFinancing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioLeaseFinancing" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:label="usfr-fste_LoansLoansHeldPortfolioForeignLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_LoansLoansHeldPortfolioForeignLoans" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoansRealEstate" xlink:label="usfr-fste_ForeignLoansRealEstate" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:to="usfr-fste_ForeignLoansRealEstate" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoansCommercial" xlink:label="usfr-fste_ForeignLoansCommercial" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:to="usfr-fste_ForeignLoansCommercial" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoansConsumer" xlink:label="usfr-fste_ForeignLoansConsumer" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:to="usfr-fste_ForeignLoansConsumer" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoansGovernments" xlink:label="usfr-fste_ForeignLoansGovernments" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:to="usfr-fste_ForeignLoansGovernments" order="4" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoansFinancialInstitutions" xlink:label="usfr-fste_ForeignLoansFinancialInstitutions" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:to="usfr-fste_ForeignLoansFinancialInstitutions" order="5" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoansLeaseFinancing" xlink:label="usfr-fste_ForeignLoansLeaseFinancing" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolioForeignLoans" xlink:to="usfr-fste_ForeignLoansLeaseFinancing" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_MajorLoanCategoriesOtherLoans" xlink:label="usfr-fste_MajorLoanCategoriesOtherLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_LoansLoansHeldPortfolio" xlink:to="usfr-fste_MajorLoanCategoriesOtherLoans" order="6" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonperformingAssets" xlink:label="usfr-fste_NonperformingAssets" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonperformingLoans" xlink:label="usfr-fste_NonperformingLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonperformingAssets" xlink:to="usfr-fste_NonperformingLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonaccrualLoans" xlink:label="usfr-fste_NonaccrualLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonperformingLoans" xlink:to="usfr-fste_NonaccrualLoans" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonAccrualLoansCommercial" xlink:label="usfr-fste_NonAccrualLoansCommercial" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonaccrualLoans" xlink:to="usfr-fste_NonAccrualLoansCommercial" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_NonaccrualLoansConsumer" xlink:label="usfr-fste_NonaccrualLoansConsumer" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonaccrualLoans" xlink:to="usfr-fste_NonaccrualLoansConsumer" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_ForeignLoans" xlink:label="usfr-fste_ForeignLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonaccrualLoans" xlink:to="usfr-fste_ForeignLoans" order="3" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_RestructuredLoans" xlink:label="usfr-fste_RestructuredLoans" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonperformingLoans" xlink:to="usfr-fste_RestructuredLoans" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OtherRealEstateOwnedOREO" xlink:label="usfr-fste_OtherRealEstateOwnedOREO" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonperformingAssets" xlink:to="usfr-fste_OtherRealEstateOwnedOREO" order="2" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_OtherNonperformingAssets" xlink:label="usfr-fste_OtherNonperformingAssets" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_NonperformingAssets" xlink:to="usfr-fste_OtherNonperformingAssets" order="3" weight="1" use="optional" />
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.xbrl.org/us/fr/lr/role/AlternateCalculationRollUps1">
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeSecurities" xlink:label="usfr-fste_InterestIncomeSecurities" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeSecuritiesSubjectFederalIncomeTax" xlink:label="usfr-fste_InterestIncomeSecuritiesSubjectFederalIncomeTax" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeSecurities" xlink:to="usfr-fste_InterestIncomeSecuritiesSubjectFederalIncomeTax" order="1" weight="1" use="optional" />
    <loc xlink:type="locator" xlink:href="../../../common/fste/2005-02-28/usfr-fste-2005-02-28.xsd#usfr-fste_InterestIncomeSecuritiesExemptFederalIncomeTaxes" xlink:label="usfr-fste_InterestIncomeSecuritiesExemptFederalIncomeTaxes" />
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="usfr-fste_InterestIncomeSecurities" xlink:to="usfr-fste_InterestIncomeSecuritiesExemptFederalIncomeTaxes" order="2" weight="1" use="optional" />
  </calculationLink>
</linkbase>