The Dominant Bank in the Northeast

Attractive Demographics

#1 Distribution (Branches / ATM’s)

#1 On-Line Banking

#1 Middle Market

#1 Consumer Households

#1 Small Business

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We are the largest financial services provider serving the northeast ...

#1 in Consumer Households

- 10 million households from Maine to NJ

- All on the same deposit platform

#1 in Small Business

- 500,000 customers following the Summit acquisition

- #1 SBA lender in the nation

- Small Business = sales up to $10 million

#1 in On-Line Banking

- We now have 1.7 million online customers following Summit

- 36% penetration of our debit card base (down from > 40% prior to Summit, as Summit had fewer online)

- Still one of the highest penetration rates in the industry

- We also have nearly 1 million online brokerage customers at Q&R

#1 in Distribution - 5,500 retail outlets

- 1,700 branches

- 3,800 ATMs

- Largest telephone banking operation in the northeast

- Already mentioned our online presence

#1 in Middle Market

- Approximately 35,000 customers

- Middle Market = sales from $10 - 500 million (typically 15-40 range)