RETAIL BANKING professionals serve as trusted advisors, providing individuals with comprehensive deposit, investment and credit products, such as home equity loans, and personal GLYPH<222>nancial solutions through a multi-channel delivery network. SMALL BUSINESS professionals build relationships with their small-business clients to understand their challenges and help them achieve their business goals by offering a complete range of products, services and solutions. CONSUMER FINANCE consists of two primary business units: Indirect Lending professionals make automobile and marine loans to consumers through dealers, and GLYPH<222>nance dealer inventory of automobiles and water craft. For students and their parents, they provide federal and private education loans and payment plans. National Home Equity professionals offer individuals prime and nonprime mortgage and home equity loan products for a variety of reasons, including debt consolidation and purchasing or reGLYPH<222>nancing  a home. They also work with mortgage brokers and home improvement contractors to provide home equity and home improvement solutions in more than 40 states. ¥ NationGLYPH<213>s 7th largest holder of federal education loans (outstandings) ¥ Key.com/smallbiz is the #4-ranked website for Internet delivery of banking services to business customers with revenues under $1 million (Combination: ease of use, customer conGLYPH<222>dence, on-site resources and relationship services) ¥ NationGLYPH<213>s 11th largest branch network and 11th largest ATM network (number of branches and ATMs);  nationGLYPH<213>s 7th largest issuer of MasterCard debit cards; nationGLYPH<213>s 11th largest home equity lender (outstandings) KEYGLYPH<213>S LINES OF BUSINESS ¥ NationGLYPH<213>s 12th largest commercial and industrial lender (outstandings)  ¥ NationGLYPH<213>s 5th largest commercial real estate lender (annual GLYPH<222>nancings)  ¥ NationGLYPH<213>s 5th largest bank-afGLYPH<222>liated equipment GLYPH<222>nancing company (net assets)  KEY EQUIPMENT FINANCE professionals meet the equipment leasing needs of companies worldwide and provide equipment manufacturers, distributors and resellers with GLYPH<222>nancing options for their clients. KEYBANK REAL ESTATE CAPITAL professionals provide construction and interim lending, permanent debt placements and servicing, and equity and investment banking services and syndicated GLYPH<222>nancing  to developers, brokers and owner-investors. CORPORATE BANKING professionals provide a full array of products and services to large corporations, middle-market companies, GLYPH<222>nancial institutions and government organizations. These products and services include: GLYPH<222>nancing, treasury management, investment banking, derivatives and foreign exchange, equity and debt trading, and syndicated GLYPH<222>nance. Victory Capital Management professionals manage investment portfolios for a national client base, including corporations, labor unions, not-for-proGLYPH<222>t organizations, governments and individuals. These portfolios may be managed in separate accounts, common funds or the Victory family of mutual funds. McDonald Financial Group professionals provide a broad, integrated array of GLYPH<222>nancial solutions to high net worth clients, including banking; investment; trust; estate, GLYPH<222>nancial and retirement planning; asset management; insurance; charitable giving and related services. ¥ Among the top half of industry peers in GLYPH<222>nancial-advisor productivity (average production per GLYPH<222>nancial advisor) ¥ NationGLYPH<213>s 14th largest investment manager afGLYPH<222>liated with a U.S. bank (assets under management)  INVESTMENT MANAGEMENT SERVICES consists of two primary business units:  6  GLYPH<c5412> Key 2003 Jack L. Kopnisky, President Thomas W. Bunn, President CORPORATE BANKING KEYBANK REAL ESTATE CAPITAL KEY EQUIPMENT FINANCE  KEY Corporate and Investment Banking KEY Investment Management Services VICTORY CAPITAL MANAGEMENT McDONALD FINANCIAL GROUP Richard J. Buoncore, President  Robert G. Jones, President  KEY Consumer Banking RETAIL BANKING SMALL BUSINESS CONSUMER FINANCE NEXT PAGE PREVIOUS PAGE SEARCH BACK TO CONTENTS