| • | Community Banking serves smaller and non-urban markets |
| • | Metropolitan Banking serves larger urban and high-growth markets |
| • | In-Store Banking complements traditional branches with accessible facilities in supermarkets, convenience stores and other locations |
| • | Small Business Banking provides comprehensive financial solutions to businesses with annual revenue up to $5 million |
| • | Consumer Lending provides student loans and serves consumers purchasing or leasing vehicles or marine equipment through franchised dealers |
| • | Consumer Finance serves customers outside the traditional bank credit profile |
| • | Home Mortgage Lending originates, purchases, sells and services residential mortgage loans |
| • | Retail Brokerage and Insurance provides mutual funds, variable and fixed annuities, general securities and discount brokerage |
