Bancolombia S.A., a Colombian bank established in 1945, provides general banking products and services to industrial companies, upper-income individuals, as well as the middle-market sector, consisting of small and medium-sized companies. Such products and services include personal and corporate loans, deposit-taking, credit and debit cards, electronic banking, cash management, warehouse services, fiduciary and custodial services and dollar-denominated products. In addition, the Bank's customers have access to a large branch and ATM network. Bancolombia had a service network of 323 branch offices in 122 cities as of December 31, 2001.