Microsoft PowerPoint Presentation

2/12/2002

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Table of Contents

Earnings Recovery From Cyclical Reversions

Over Past Two Years, Mainstream Businesses Have Proven to be Largest Contributors

The Dominant Bank in the Northeast

Consumer Banking

Established Industry-Leading Online Penetration

Summit Results Have Been Encouraging

Drive Relationship Profitability

Significant Cross-Sell Progress

Leveraging Full FBF Franchise

Reduced Balance Sheet Usage

Brokerage & Wealth Management

Client Opportunity

Author: PC4879