FILE – In this April 18, 2011 file photo, customers use Wells Fargo Bank ATM machines in Santa Clara, Calif. JPMorgan Chase, Bank of America, Wells Fargo, Bank of New York Mellon and State Street were cited Wednesday, April 13, 2016 by the Federal Reserve and the Federal Deposit Insurance Corp. for gaps in their bankruptcy plans known as “living wills” that they were required to submit. The five banks were among eight Wall Street behemoths whose plans were evaluated. (AP Photo/Paul Sakuma)

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