Associated Banc-Corp is a bank holding company, which, as of December 31, 2002, owned four commercial banks located in Illinois, Minnesota and Wisconsin serving their local communities. The Company also owned 22 limited-purpose banking and non-banking subsidiaries located in Arizona, California, Illinois, Minnesota, Nevada and Wisconsin. As of December 31, 2002, bank subsidiaries of the Company provided services through 221 locations in 153 communities. The Company provides a complete range of banking services to individuals and businesses. These services include checking, savings and money market deposit accounts, business, personal, educational, residential and commercial mortgage loans, other consumer-oriented financial services, including IRA and Keogh accounts, lease financing for a variety of capital equipment for commerce and industry, and safe deposit and night depository facilities.