THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

Charter One Financial (Retired) (CF.X)

3/12/2004 Proxy Information

Charles John Koch is the brother of John D. Koch, an Executive Vice President of Charter One Financial.

Patrick J. Agnew has been a director of Charter One Financial since the merger of Charter One with St. Paul Bancorp, Inc. He was an executive with St. Paul.

Herbert G. Chorbajian is Vice Chairman and a former executive of Charter One Financial.

Joseph C. Scully has been a director of Charter One Financial since the merger of Charter One with St. Paul Bancorp, Inc. He was an executive with St. Paul.

Leonard S. Simon was Chairman and Chief Executive Officer of RCSB prior to its merger with Charter One Financial in October 1997.

3/14/2003 Proxy Information

John D. Koch is the brother of Charles John Koch.