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+ <table>
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+ <tr>
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+ <th colspan="2">ALLIANCE DATA SYSTEMS CORPORATION AND SUBSIDIARIES</th>
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+ </tr>
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+ <tr>
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+ <th></th>
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+ <th>Page</th>
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+ </tr>
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+ <tr>
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+ <td>Reports of Independent Registered Public Accounting Firm . . . . . . . . . . . . . . . . . . . . . . . . .</td>
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+ <td>F-2</td>
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+ </tr>
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+ <tr>
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+ <td>Consolidated Balance Sheets as of December 31, 2015 and 2014 . . . . . . . . . . . . . . . . . . . . . . . .</td>
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+ <td>F-4</td>
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+ </tr>
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+ <tr>
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+ <td>Consolidated Statements of Income for the years ended December 31, 2015, 2014 and 2013 . . . . . . . . . . . .</td>
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+ <td>F-5</td>
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+ </tr>
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+ <tr>
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+ <td>Consolidated Statements of Comprehensive Income for the years ended December 31, 2015, 2014 and 2013 . . . . .</td>
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+ <td>F-6</td>
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+ </tr>
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+ <tr>
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+ <td>Consolidated Statements of Stockholders' Equity for the years ended December 31, 2015, 2014 and 2013 . . . . . .</td>
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+ <td>F-7</td>
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+ </tr>
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+ <tr>
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+ <td>Consolidated Statements of Cash Flows for the years ended December 31, 2015, 2014 and 2013 . . . . . . . . . . .</td>
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+ <td>F-8</td>
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+ </tr>
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+ <tr>
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+ <td>Notes to Consolidated Financial Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .</td>
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+ <td>F-9</td>
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+ </tr>
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+ </table>