Bancolombia S.A. (the Bank) is a banking institution organized under Colombian law. The Bank provides general banking products and services to large industrial companies, individuals and to the middle-market sector of small and medium-size companies. Such products and services include personal and corporate loans, deposit-taking, credit and debit cards, electronic banking, cash management, warehousing services, fiduciary and custodial services and dollar-denominated products. In addition, Bancolombias customers have access to a network of branches and automatic teller machines (ATMs) in Colombia. In 2002, the Banks total assets were $4.476 billion, while deposits were at $3.122 billion.