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

Consumer & Small Business 43%

Corporate Banking

43%

Brokerage & Wealth Mgmt

10%

Capital Markets

1%

International

3%

Generators of Customer-Driven Growth

2000-2001 Earnings: $5B

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Pie Chart represents earnings from April ‘00 to March ‘01

• Excludes extraordinary capital mkts qtrs: High 1Q’00 and Low 2Q’01

Great balance in where our earnings will come from

And great diversification within each of the piece of the pie ..

Pie pieces include ...

Consumer Services
- Retail Distribution - Small Business

- Consumer Lending - Fleet Credit Card
- AFSA

Corporate Banking
- Industry banking - Commercial Finance

- Middle Market - Cash Management

International
- Primarily Brazil & Argentina

- Also other Latin America, Asia, & Europe

Capital Markets / Treasury
- Robertson Stephens

- Principal Investing
- Fleet Specialist

Brokerage & Wealth Mgmt
- Private Clients

- Investor Oriented (Q&R)
- Institutional Clients