Charter One Annual Report 2001


DIRECTORS AND EXECUTIVE OFFICERS Charles John Koch (2) Chairman, President and Chief Executive Officer, Charter One Financial, Inc. and Charter One Bank, F.S.B. Patrick J. Agnew Former President and Chief Operating Officer, St. Paul Bancorp, Inc. Chicago, Illinois Herbert G. Chorbajian (1) Vice Chairman, Charter One Financial, Inc. and former Chairman, President and Chief Executive Officer, ALBANK Financial Corporation Albany, New York Philip Wm. Fisher Principal of The Fisher Group Detroit, Michigan Denise Marie Fugo President of City Life, Inc. Cleveland, Ohio Mark D. Grossi (2) Executive Vice President, Charter One Financial, Inc. and Charter One Bank, F.S.B. Charles M. Heidel (4) Retired President and Chief Operating Officer, The Detroit Edison Company Detroit, Michigan Karen R. Hitchcock, Ph.D. (2) President, University at Albany Albany, New York John D. Koch (2) Executive Vice President, Charter One Financial, Inc. and Charter One Bank, F.S.B. Michael P. Morley Executive Vice President and Chief Administrative Officer, Eastman Kodak Company Rochester, New York Richard W. Neu (2,3) Executive Vice President and Chief Financial Officer, Charter One Financial, Inc. and Charter One Bank, F.S.B. (1) Chairman and President, Charter One Commercial (2) Director, Charter One Commercial (3) Executive Vice President and Chief Financial Officer, Charter One Commercial (4) Effective April 23, 2002, Mr. Heidel will retire from the Board of Directors and become director emeritus.	Ronald F. Poe President, Ronald F. Poe & Associates White Plains, New York Victor A. Ptak Vice President/ Investment Officer, First Union Securities, and formerly General Par tner of J.C. Bradford Cleveland, Ohio Melvin J. Rachal President and Chief Operating Officer, Midwest Stamping, Inc. Maumee, Ohio Jerome L. Schostak Vice Chairman, Charter One Financial, Inc. and Chairman of the Board and Chief Executive Officer, Schostak Brothers & Company, Inc. Southfield, Michigan Joseph C. Scully Former Chairman and Chief Executive Officer, St. Paul Bancorp, Inc. Chicago, Illinois Mark Shaevsky Counsel, Honigman Miller Schwartz and Cohn LLP Detroit, Michigan Leonard S. Simon Former Chairman and Chief Executive Officer, RCSB Financial, Inc. Rochester, New York John P. Tierney Retired Chairman and Chief Executive Officer, Chrysler Financial Corporation Detroit, Michigan Eresteen R. Williams Retired Medical Office Manager Detroit, Michigan	SHAREHOLDER INFORMATION Annual Meeting The Annual Meeting of Shareholders of Charter One Financial, Inc. will be held at 11a.m. local time, Tuesday, April 23, 2002 at The Forum Conference Center in Cleveland, Ohio. Direct Mailing of Annual Report Shareholders whose common stock is held in a brokerage account or otherwise not in their own name may wish to receive copies of Charter One’s shareholder reports directly. Requests may be made through the corporate website, www.charterone.com, or mailed to the Investor Relations Department. Dividend Policy and Dividend Reinvestment Plan A corporate objective of Charter One is to allow shareholders to benefit from the growth of Charter One through the payment of quarterly cash dividends. Dividends have been paid each quarter since October 1988. Charter One has established a Dividend Reinvestment Plan to enable shareholders to purchase additional shares. Information on the Plan may be obtained from the corporate website, www.charterone.com, or from the Transfer Agent. Stock Trading Information Common stock of Charter One Financial, Inc. is traded on the New York Stock Exchange under the trading symbol “CF.” Transfer Agent EquiServe Shareholder Services Department P. O. B o x 43010 Providence, Rhode Island 02940 (800) 733-5001 www.equiserve.com Directors Emeriti Charles Joseph Koch Chairman Emeritus Eugene B. Carroll, Sr. Dr. Norman P. Auburn Charles F. Ipavec George M. Jones Philip J. Meathe Henry R. Nolte, Jr. Fred C. Reynolds Charles A. Shirk	CORPORATE INFORMATION Corporate Website www.charterone.com Investor Relations (800) 262-6301 Ellen L. Batkie Senior Vice President (734) 453-7334 Corporate Marketing and Communications Cindy Schulze Senior Vice President (216) 298-7155 Independent Auditors Deloitte & Touche LLP 127 Public Square Suite 2500 Cleveland, Ohio 44114-1303 (216) 589-1300 Legal Counsel: Internal Robert J. Vana Chief Corporate Counsel and Secretary Legal Counsel: External LaPorte & Ipavec, L.P.A. 1215 Superior Avenue Cleveland, Ohio 44114 Headquarters 1215 Superior Avenue Cleveland, Ohio 44114 (216) 566-5300