1. A World of Opportunities A presentation to Indiana University September 20, 2005

2. 2 Agenda JPMorgan Chase Overview Commercial Banking Overview Analyst Program Description Commercial Banking Analyst Program Analyst Training Description Program Comparison Analyst Competencies Important Dates Question & Answer

3. 3 JPMorgan Chase Overview Who we are…  A leading global financial services firm with assets of more than $1 trillion  More than 160,000 employees in 50 countries serving 90 million customers worldwide  A leader in all six lines of business – Retail Financial Services, Asset & Wealth Management, Treasury & Security Services, Card Services, Investment Banking and Commercial Banking  Under the JPMorgan Chase brand, the firm serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients

4. 4 Commercial Banking Overview Serve clients with annual revenue of $10 million to $2 billion 30,000 Middle Market Banking clients 1,500 Corporate/Corporate IB clients # 2 Middle Market bank in the U.S. Presence in 18 states Who we are...

5. 5 Insert Gillian’s map Commercial Banking Presence Commercial Banking National Coverage

6. 6 Commercial Banking Overview Commercial Banking Overview, con’t Covers companies with annual revenues between $10 million up to $500 million Regional markets covered in 15 states Focuses on U.S. clients nationwide with annual sales of $500 million up to $2 billion Clients require traditional banking services as well as IB products Services investors & developers of for- sale housing, multifamily rental, retail, office and industrial properties Middle Market Banking (MM) Commercial Banking includes 3 client areas: Commercial Real Estate (CRE) Mid-Corporate Banking.

7. 7 Commercial Banking Overview, con’t Leading national provider of highly structured asset based financing for an array of leveraged financing needs Firm-wide product Focuses on meeting the needs of mid-sized companies & large corporations Finance various equipment types - transactions of $1 million or more Firm-wide product Chase Business Credit (CBC) Equipment Leasing Commercial Banking includes 2 product segments:

8. 8 Analyst Program Description Opportunities in 1 of the 5 Commercial Banking businesses Support client managers developing financial solutions for our national client base 18 to 36 month program Opportunities available in Indianapolis, Indiana

9. 9 Commercial Banking Analyst Program Program includes MM, CRE, CBC & Leasing Also includes Specialized Industries which is a group with expertise in Healthcare, Not-for-Profit, Government & International, Financial Institutions 18 – 36 month program with promotion to Underwriter or Banker Credit/financial analysis Research industries and markets Support client manager Client exposure Responsibilities & career path... Career opportunities within...

10. 10 Analyst Training Description Program modules in:   Credit Risk Analysis   Financial Accounting   Corporate Finance   Market Dynamics   Case Studies Commercial Banking Analysts are exposed to...

11. 11 Program Detail Commercial Banking Analyst Program MM, CRE, CBC, Leasing, Specialized Industries Clients with annual revenues of $10 million up to $500 million More privately owned clients Traditional banking services Credit driven Cash flow modeling Earlier client exposure Work life balance Offers a great career and a successful future

12. 12 Core Competencies of a strong Analyst Superior quantitative and analytical skills Excellent communication skills Outstanding interpersonal, relationship, team and networking skills Proven leadership abilities and initiative Strong work ethic and desire to learn continuously Creativity Ability to multi-task within the environment of the financial services industry to meet deadlines and exceed client expectations Well rounded academic background with an aptitude for finance and accounting Attention to detail

13. 13 Important Dates Resume Drop Deadline:September 20, 2005 Interviews on Campus:October 12, 2005 2 nd Round Interviews:first week in November Begin working for JPMorgan Chase: Summer 2006

14. 14 Question & Answer ?