Net Revenue Growth: 3Q’00/1Q’00 Ann.

Total Corporation $1,043 $1,065 4.17%

Self inflicted reductions

in net revenue:

-Lower NII from lower levels

residential mortgages (24.4) (15.3) -88.5

-Impact of stock buy back 1.4 10.2

Core business 1020.0 1059.9 8.0%

1st Qtr

3rd Qtr

Ann. %

Change

$ millions