They say hindsight is 20-20. But we believe our future has never been as clear as it is now. Our vision is to become a world-class consumer bank that delivers high growth, high financial returns and low risk to our shareholders. It is a goal that is well within our reach. Why are we so confident? First of all, we have a successful track record. For the past 10 years, earnings per share (on an originally stated operating basis) have had a compounded annual growth rate of 12% while our common stock has had a compounded annual return of 22%. More important, all the necessary elements are in place to continue delivering this kind of earnings growth. Put simply, it is a matter of continuing to grow revenues faster than expenses. This isn’t rocket science, but it does require an organization and culture that is aligned to execute this vision. Our organization is. Our systems and products are world-class. So are our people. They are not only committed to meeting and exceeding their business objectives, but also to sharing their best practices (or their best secrets) with their co-workers, even when they compete head-to-head. This is why the overall performance of Charter One continues to grow and improve, and why the best is yet to come.