1. Consulting Services - SWIFT consultants help you reduce cost and risk of your SWIFT infrastructure Speaker Date Sibos 2010 Amsterdam

2. Consulting Services Instrumental for the 2015 strategy and execution, enabling: –Interoperability –TCO reduction

3. Agenda & Speakers Introducing Consulting Services Kurt Ryelandt, Head of Consulting Services EMEA, SWIFT Testimonial from Groupe BPCE Fabrice Denèle, Head of Payments Retail Banking Coordination Department Testimonial from J.P. Morgan Nigel Hayward, Managing Director Treasury Services Technology

4. Agenda & Speakers Introducing Consulting Services Kurt Ryelandt, Head of Consulting Services EMEA, SWIFT Testimonial from Groupe BPCE Fabrice Denèle, Head of Payments Retail Banking Coordination Department Testimonial from J.P. Morgan Nigel Hayward, Managing Director Treasury Services Technology

5. SWIFT Services Total Cost of Ownership Operational Efficiency STP New Initiatives Business Opportunities Operational Risks Internal Inefficiencies Reputation Risks

6. Project Lifecycle SWIFT Services can assist you at every step AssessAnalyseDesignImplementGo liveMaintain Project Management Implementation & Technical Consulting Training Support Business

7. Project Lifecycle SWIFT Services can assist you at every step AssessAnalyseDesignImplementGo liveMaintain Project Management Implementation Training Support Consulting Services & Technical ConsultingBusiness

8. Business Consulting Improve your business processes AssessAnalyseDesignImplementGo liveMaintain BusinessConsulting & Technical Consulting Payments Reviewing your Payments STP Reviewing Correspondent Banking Operations E&I Value Review… Securities Optimising your Funds Distribution Operations Reviewing your Corporate Actions Assessing the impact of Target-2-Securities … Treasury Reviewing your Treasury Operations Optimising Accord for Treasury Accord Health Check… Best Practice & Benchmarking Traffic & Data Benchmarking Messaging Landscape Analysis Leveraging SWIFT Governance …

9. Technical Consulting Reduce your total cost of ownership AssessAnalyseDesignImplementGo liveMaintain Technical Consulting Business & Auditing your SWIFT infrastructure Prepare for Alliance Access 7.0 Alliance Access Options Value Review Analysing your messaging/infrastructure capacity Reviewing your messaging architecture … Interface & Connectivity Reviewing your business continuity and disaster recovery processes Implementing Security Best Practices BCP & Security Analysing and benchmarking your total cost of ownership Consolidating your SWIFT infrastructure Architecture & Cost

10. Packaged Consulting Services “Grey-hair projects” Frequently performed studies –Built on internal intellectual capital –Predictable planning For each step of a project phase In each area of interest –Business and/or Technical –Implementation, Project Management Proven value Appreciated by customers Opportunity to benchmark within each package Flexibility of package is discussed during scoping meeting

11. Initial scoping meeting is critical Tailor-made Consulting Services Fixed price projects or Time & Material Strategic Workshop Targets, plans & strategy Issues & challenges Opportunities / market trends Influencing factors Topic selection Scope definition Key stakeholders Service Proposal Focus / priorities Charges & resources Planning & governance Deliverables vs expectations Project timing Project content Costs

12. Agenda & Speakers Introducing Consulting Services Kurt Ryelandt, Head of Consulting Services EMEA, SWIFT Testimonial from Groupe BPCE Fabrice Denèle, Head of Payments Retail Banking Coordination Department Testimonial from J.P. Morgan Nigel Hayward, Managing Director Treasury Services Technology

13. Presentation title – dd month yyyy – Confidentiality: xxx13 Case Study – Groupe BPCE

14. Creation of the BPCE Group in 2009 A clear case for rationalisation with 10 SWIFT infrastructures in France Banques Populaires et Natixis Caisses d’Epargne BRED Planet Link Service Bureau Banque Palatine Credit Coopératif Banque Chaix Banque de Savoie Banque Dupuy Banque BCP SWIFT infrastructures BPCE Group

15. SWIFT Consulting Services Reducing BPCE’s Total Cost of Ownership Neutral assessment of BPCE Group SWIFT infrastructures Recommendations for consolidation and further fine-tuning of withheld infrastructure(s) Benchmarking against best practices Migration roadmap Input for Business Case Neutral assessment of BPCE Group SWIFT infrastructures Recommendations for consolidation and further fine-tuning of withheld infrastructure(s) Benchmarking against best practices Migration roadmap Input for Business Case

16. SWIFT Infrastructure Rationalization Results for BPCE Reduced total cost of SWIFT infrastructures of EUR 3.85 Mio (more than 50%) Tangible recommendations to further optimise the BPCE setup Independent and neutral analysis Clear migration roadmap minimising operational impact Reduced total cost of SWIFT infrastructures of EUR 3.85 Mio (more than 50%) Tangible recommendations to further optimise the BPCE setup Independent and neutral analysis Clear migration roadmap minimising operational impact

17. SWIFT Consulting Team Value Added Results for BPCE Clear identification of BPCE Group strength Valued recommendations to increase the BPCE Group strength Consideration of tools around SWIFT infrastructure Efficiency and low footprint toward the bank operational teams Clear identification of BPCE Group strength Valued recommendations to increase the BPCE Group strength Consideration of tools around SWIFT infrastructure Efficiency and low footprint toward the bank operational teams

18. Agenda & Speakers Introducing Consulting Services Kurt Ryelandt, Head of Consulting Services EMEA, SWIFT Testimonial from Groupe BPCE Fabrice Denèle, Head of Payments Retail Banking Coordination Department Testimonial from J.P. Morgan Nigel Hayward, Managing Director Treasury Services Technology

19. Presentation title – dd month yyyy – Confidentiality: xxx19 Case Study – J.P. Morgan

20. This presentation was prepared exclusively for the benefit and internal use of the J.P. Morgan client to whom it is directly addressed and delivered including such client’s subsidiaries, (the “Company”) in order to assist the Company in evaluating, on a preliminary basis, certain products or services that may be provided by J.P. Morgan. This presentation is for discussion purposes only and is incomplete without reference to, and should be viewed solely in conjunction with, the oral briefing provided by J.P. Morgan. It may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorised by J.P. Morgan. The statements in this presentation are confidential and proprietary to J.P. Morgan and are not intended to be legally binding. Neither J.P. Morgan nor any of its directors, officers, employees or agents shall incur any responsibility or liability to the Company or any other party with respect to the contents of this presentation or any matters referred to in, or discussed as a result of, this document. J.P. Morgan makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to in this presentation. IRS Circular 230 Disclosure: JPMorgan Chase & Co. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with JPMorgan Chase & Co. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. J.P. Morgan is a marketing name for the treasury services businesses of JPMorgan Chase Bank, N.A. and its subsidiaries worldwide. In the United Kingdom, JPMorgan Chase Bank, N.A., London branch and J.P. Morgan Europe Limited are authorised and regulated by the Financial Services Authority JPMorgan Chase is licensed under US patent numbers 5, 910,988, and 6, 032 and 137 ©2010 JPMorgan Chase & Co. All rights reserved. J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

21. JPMorgan Chase & C° Lines of Business Investment Bank Businesses: Investment banking –Advisory –Debt & equity underwriting Market-making and trading –Fixed income –Equities Corporate lending Prime brokerage Broker dealer services Card Services Businesses: Credit card Merchant acquiring Commercial Banking JPMorgan Chase & Co. Retail Financial Services Businesses: Home lending Business banking Auto finance Education finance Consumer banking Businesses: Investment management –Institutional –Retail Private banking Private wealth management Bear stearns private client services Businesses: Worldwide Securities Services Treasury Services Treasury & Securities Services Asset Management Worldwide Securities Services Global custody Fund services Securities lending Performance measurement Compliance reporting Derivative services Hedge fund administration Private equity funds administration Transfer agency Transition management Outsourcing solutions Commission recapture Depositary receipts Clearance Collateral mgmt Futures & options clearance Foreign exchange Reporting & information services Global payments & collections Liquidity & investments Document management solutions Treasury Services Deposit products, escrow services Procurement solutions Trade services Document management solutions E-commerce & outsourcing solutions ChaseJ.P. Morgan Businesses: Middle market banking Mid-corporate banking Commercial real estate banking Chase capital Chase equipment leasing International banking Community development banking J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

22. Our Business Overview 4 TSS generates more than $8 billion in revenue annually and is a global leader in custody, securities lending, fund accounting and administration, as well as in treasury services TSS supports the needs of institutional clients worldwide and is one of the top three providers in both of its businesses: – Treasury Services (TS) and; – Worldwide Securities Services (WSS) Within TS, GFM was established to manage the Firm-wide SWIFT messaging service Continued effort to rationalise the Firm’s messaging systems has led to the current 2 region deployment, simplifying Technology and Operational functions FIN processing peaked at 55million messages in May 2010, with continuing steady growth from 20million in 2005 at 15% year-on-year All GFM messaging systems support over 200 delivery feeds from over 70 applications Global Financial Messaging (GFM) Legacy JPMC Global SWIFT FIN Infrastructure About Treasury & Securities Services (TSS) Treasury Services (TS) in Brief The TS Business provides payment, collection, liquidity management, trade finance, commercial card and information solutions Our clients span corporations, financial services institutions, middle market companies, small businesses, governments and municipalities worldwide TS has more than 14,300 employees, operating in over 60 countries, servicing 100,000+ clients SWIFT EMEA LoB Apps US LoB Apps EMEA Messaging Hub US Messaging Hub Asia LoB Apps US SWIFT CBT EMEA SWIFT CBT SWIFT Gateways SWIFT Gateways J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

23. Ensure sufficient capacity to meet planned business growth Remove “end of life” technology components Improve service agility to respond to client needs Challenges in Financial Messaging in Today's Environment Reduce Technology Risk Increase Business Resiliency Drive the technology platform towards support of a continuous service model – Remove impact of unit failure through an active-active configuration – Introduce load balancing capability across the global environment – Reducing maintenance windows Improve cross-region failover/recovery capability across messaging application stack – Better management of redundancy in globally deployed resources Solution: Offer a truly Firm-wide shared service capability managing global message volumes and local market needs J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

24. How has SWIFT helped us? Market leading product for SWIFT integration – SAA Feature enhancements through collaborative teaming –SAA health monitor web services. Exemplary product service with on-time delivery to project team –SAA Standalone customisation for coupling with JPMC strategic middleware Product Offering Shaping end-state solution proposal & program structure Solution architecture direction and SWIFT design ratification Provision of IT expertise for product configuration reviews and performance tuning Professional Services Pre-implementation health checks Involvement in operational readiness reviews FIN capacity planning – integral to JPMC knowledge base development Seamless integration of new products into the existing service model Support Services J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

25. JPMC PoV Where SWIFT Consulting really added value Inception & Scoping Planning & Requirements Design & Build Testing Implementation Significant role in leading the solution proposal Close partnership moving into project execution - advising JPMC on delivery risks Early Proof-of-Concept model to underwrite their solution Inception & Scoping Invaluable solution architecture expertise for designing a SWIFT FIN middleware solution SWIFT product gap analysis against JPMC requirements Planning & Requirements Continued participation bridging divide between technical requirements & product possibilities Good oversight of early performance benchmarking Design & Build J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

26. So why SWIFT Consulting & Alliance Access? Certainty in Delivery Sound Business Case SAA product roadmap aligns with JPMC interests to create a global capability of ‘always- on’ processing centres Trusted Partnership & Capability Solution Integrity SWIFT recognise the market demand for multi-threaded processing of traffic SWIFT have a proven track record supporting JPMC with the right people when and where they are required working together as a single team Enabler for JPMC to meet its objectives for increased resiliency and capacity and internal financial requirements J P M C S T R A T E G I C M E S S A G I N G P R O G R A M

27. Conclusion Why Partnering with SWIFT Consulting - Benefits TAP into SWIFT’s business, technical & product expertise to execute your strategy Leverage the knowledge and experience of SWIFT from those who live it on a daily basis Reduce your total cost of ownership (TCO) Increase operational efficiency and STP Reduce risk Improve client service Identify opportunities for growth Alignment with best practices Hands-on knowledge of designing, implementing and running vs a theoretical approach Cost-benefit analysis – rapid ROI Improve scalability and resilience

28. Questions Visit us at the SWIFT stand Kurt Ryelandt Head of Consulting Services EMEA SWIFT Av Adèle 1 B-1310 La Hulpe Belgium +32 2 655 3123 +32 2 655 3752 +32 476 292 319 kurt.ryelandt@swift.com www.swift.com T F M W E Marco Attilio Lead Consultant Consulting Services, EMEA SWIFT Av Adèle 1 B-1310 La Hulpe Belgium +32 2 655 3617 +32 2 655 3752 +32 496 50 59 20 marco.attilio@swift.com www.swift.com T F M W E Yves Smeyers Lead Consultant Consulting Services, EMEA SWIFT Av Adèle 1 B-1310 La Hulpe Belgium +32 2 655 4241 +32 2 655 3752 +32 476 896 084 yves.smeyers@swift.com www.swift.com T F M W E Christian Sarafidis Global Head of Consulting Services SWIFT Av Adèle 1 B-1310 La Hulpe Belgium +32 2 655 3908 +32 2 655 3752 +32 475 287 609 christian.sarafidis@swift.com www.swift.com T F M W E

29. Questions Visit us at the SWIFT stand Barry Silberstein Senior Consultant Consulting Services, Americas T F M W E Edward Adams Director Sales Services Americas SWIFT Americas 7 Times Square, 45th floor New York, NY 10036 United States +1-212-455-1847 +1-212-455-1817 +1-917-607-1649 edward.adams@swift.com www.swift.com T F M W E Pat Antonacci Senior Business Consultant Consulting Services, Americas T F M W E T F M W E SWIFT Americas 7 Times Square, 45th floor New York, NY 10036 United States +1-212-455-1947 +1-212-455-1817 +1-347-277-4957 pat.antonacci@swift.com www.swift.com +1-212-455-1972 +1-212-455-1817 +1-646-593-1269 pierre.blum@swift.com www.swift.com SWIFT Americas 7 Times Square, 45th floor New York, NY 10036 United States +1-212-455-1971 +1-212-455-1817 +1-646-509-0969 barry.silberstein@swift.com www.swift.com Pierre Blum Lead Consultant Americas

30. Questions Visit us at the SWIFT stand Patrick Yeh Head of Consulting and Training Asia Pacific SWIFT Hong Kong 31/F, One IFC, 1 Harbour View Street Central, Hong Kong People’s Republic of China +852-2107-8707 +852-2107-8733 +852-9195-3649 patrick.yeh@swift.com www.swift.com T F M W E

31. Questions & answers ?

32. Thank you

33. Presentation title – dd month yyyy – Confidentiality: xxx33 The colour palette Use the defined colour palette Don’t use other colours or fill- effects The standard font colour is black Use Oxblood red to emphasise text Primary colours Supporting colours R 151% G 2% B 84% R 242% G 140% B 163% R 148% G 157% B 158% R 160% G 207% B 235% R 240% G 171% B 0% R 181% G 218% B 210% R 0% G 155% B 187% R 44% G 94% B 79% R 183% G 18% B 52% R 118% G 106% B 98% R 105% G 54% B 149% R 149% G 74% B 9% R 255% G 204% B 0% R 204% G 102% B 51% R 181% G 163% B 0% R 130% G 124% B 52% R 151% G 35% B 63% R 192% G 192% B 192% R 204% G 102% B 51% R 151% G 35% B 63%