We are constantly looking for new customers to make Charter One their primary financial institution where they will take advantage of the many products and services we continually offer them. Between deposit and lending sales efforts, we attracted nearly 600,000 new customers last year. All of our new customer programs are ongoing initiatives, emphasizing our aggressive pricing. These programs combine a mix of convenience, creativity in execution and sheer determination. They include: onsite sales visits to businesses and other organizations; extended office hours, typified by Prime Time Tuesday where our retail offices remain open as late as 7:30 p.m.; event programming where we create location-specific sales opportunities out of venues such as art festivals and sporting events; and a grocery store branch program that is second to none in generating new deposit and checking accounts. Finally, we make extensive use of direct mail. In 2001 alone, we sent nearly 15 million Totally Free Checking and other direct mail pieces designed to attract the next potential great customer of Charter One.