First Quarter 2002 Outlook(Compared with 4Q01)

• Revenue Slight increase (4Q includes special charges of $60 mill.)

  • Flat to slightly lower loans
  • Seasonal decline in NIM
  • Modest fee growth

• Expense Modest decrease

• Credit Quality NPAs are expected to increase  Slight increase in core net charge-offs

• Earnings EPS Range: $0.54 to $0.57

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