Profitable Growth of Existing Business Lines The profitable growth of our business lines is foremost among our earnings growth strategies. The revenue increases recorded by all of our lines of business in 1997 indicate that both the strategy and our disciplined approach are working. Star develops only products and services which meet our high standards for quality and value. We hire expertise or employees we can train to market these products and services knowledgeably and enthusiastically. We expect our employees to match the right product with the right customer. Then we back up this sales and service force with investments in the locations, systems and delivery channels that will make banking with Star convenient and satisfying. We promote our products to the customers and prospects most likely to derive benefit from them. At the same time, we carefully evaluate every product and service for its continued ability to please our customers and also to add to the revenue growth and profitability of the Corporation. Business line managers are accountable to the CEO of Star Banc Corporation for the revenue, expenses, distribution and profitability of their products and services; they are expected to run their business as if they own it. Revenue by Business Lines Products/Services Structured Capital Treasury Management Commercial Real Estate Equipment-Lease Finance Financial Institutions Global Services/International Banking Middle Market Banking Municipal Finance National Accounts Personal Trust Corporate Trust Employee Benefits/Retirement Plans Institutional Custody Capital Management Professional Sports Charitable Trusts Private Banking Metropolitan Banking Consumer Finance Card Services Electronic Banking Indirect Auto Insurance Products Community Banking Mortgage Banking Small Business Banking Branch-based Investment Services (other categories) Commercial banking Startrust Consumer banking Multiple delivery channels Market expansion Additional growth strategies