Summit Results Have Been Encouraging

All conversions completed by July

NJ / PA Retail Core Deposits

Up 5% Since March Close

Note: adjusted for divestitures

($B)

Customer Focused Approach Taken to Summit Integration

Legal Close

Tax Season

Conversions

Consumer Banking

Dec ‘01

Since July:

- Products per HH: 3.8 to 4.1

- Online Penetration: 22% to 36%

- % of HH w/Credit Card: 9% to 11%

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