Financial Services >> Analyst Interviews >> February 23, 2004

OUTLOOK FOR RETAIL BANKING: JEFFREY BARKER – FLEET BANK

Jeffrey H. Barker is Executive Vice President and Regional Market Manager for Retail Banking at Fleet Bank. In this position, Mr. Barker is responsible for overseeing 345 branches and 505 ATMs in New York State and Southern Connecticut. Mr. Barker joined the Bank in September 1995. As a seasoned retail veteran, prior to banking he worked at Barnes and Noble, Inc., as the Eastern Regional Director of Stores where he was responsible for merchandising, operations and marketing of 130 stores in 18 states. Previously, Mr. Barker was Vice President of Stores at Silo, Inc., a Philadelphia-based nationwide appliance and consumer electronics retailer. Mr. Barker received his BA in Government from Cornell University in 1975 and his MBA in Marketing and Management from the Wharton School of Finance at the University of Pennsylvania in 1977. He is actively involved in several charities. He is also an active member of Cornell's Alumni Association and is a past VP of Temple Shaaray Tefila in Bedford, New York. Besides being on the Board of Directors at the Institute for Student Achievement (ISA), he is also Vice Chairman of the Retail Banking Division for NYBA and serves on the Board of Directors. As Regional Manager for New York State, he has been instrumental in the bank's charitable giving, sponsorships and employee volunteer program. In fact, with his support the bank donated over $4 million dollars in 2002 to community-based organizations in the metro area. Profile
TWST: Can you tell us about the top two or three things you see going on

in retail banking right now?

Mr. Barker: A lot is going on at this juncture. The way that I look at

the bank, the real