2003 Annual Report: Raising the Bar in Wealth Management (Page 2 of 3)

Today, relationship teams serve more than 100,000 clients from coast to coast. These teams helped to drive higher investment balances and outperformed their peers in selling credit products and in growing the total value of deposit accounts in 2003. They also achieved dramatically higher client satisfaction scores. This across-the-board increase in every key performance measure reflects the true power of an integrated client relationship, both for our clients and for the bank.

Everything works together. Financial needs are no longer treated as isolated transactions. Credit can be used to increase cash flow. Savings can be put to work productively with long-term investments. A mortgage is not just a mortgage, but an integral component of the client's overall financial plan.

A customized financial plan is the centerpiece of Premier Banking & Investments. The relationship team guides clients through a process of discovery, analysis and implementation — the point where in-depth research becomes a working financial plan supported by specialized expertise in asset allocation and trust and wealth transfer. The plan changes as the client's objectives evolve — from accumulating assets, to funding a child's education, to building a secure retirement portfolio.