1. New Opportunities for Lowe’s Partnership opportunities

2. Next-generation circulars

3. Chase’s partnership approach is unique  Far-reaching, multi-faceted relationships with global brands  Market leaders in industries such as Travel, Entertainment and e-tailing  Sophisticated data-sharing and cooperative marketing driven by powerful reward and segmentation strategies

4. Building on a strong existing JPMC relationship Note: All data as of 1Q 2102 unless otherwise noted Retail Financial Services 5,541 branches, 17,200 ATM’s in 23 states $381BN in total deposits, 27MM checking accounts #2 ATM network, #3 bank by deposits, #2 mortgage originations Asset & Wealth Management Over $1.9 (FY 2011) trillion assets under supervision #1 Ultra High Net Worth Bank Treasury & Securities Services Relationships with 84% of the Fortune 500 companies #1 global clearer of $US Strategic relationship with Lowe’s Investment Banking #1 in Global Investment Banking Fees Strategic relationship with Lowe’s Commercial Banking #1 multifamily lender #2 large middle market syndicated lender in the U.S. Chase Card Services $344BN (FY 2011) in credit card sales volume #1 Visa Issuer, #2 MasterCard Issuer #3 Merchant Acquirer Paymentech relationship with Lowe’s Ultimate Rewards gift card partnership

5. Marketing reach and access

6. Relationships with attractive customer segments Credit and debit accounts Total = ~120MM Credit and debit sales Total = ~$450BN Middle America Affluent/SMB High Net Worth We offer a full range of credit and banking products to service each customer segment

7. We have access to scale, unique channels Chase.com #1 visited banking website >17,200 ATM’s in 23 states >5,500 branches in 23 states Branch Transactions ATMOnline StatementsMobile

8. Chase is your best offer partner Access to detailed customer information Access to debit and credit transaction data Ability to offer various offer types Access to unique channels

9. We have delivered powerful marketing results 10X lift in gift card purchases40%+ lift in quarterly sales

10. Partnership construct

11. Programs supported by flexible offer platform Flexible offer delivery platform Intelligent targeting engine Offers  Can support multiple offer types  Platform provides easy to use targeting tools  Delivers robust campaign performance reporting Various consumer channels

12. Cross-sell/up-sell programs Sample campaign  Identified customers that were visiting Home Depot right after leaving Lowe’s  Push a mobile alert through their Chase mobile app as they leave Lowe’s (after completing a purchase) with an offer to get a 25% discount on next purchase Current challenges  Hard to message customer at relevant time/place  Inability to see where else a customer is shopping before/after visit How Chase can help  Leverage specific customer spending patterns to identify opportunities  Leverage installed mobile and online customer engagement to deliver targeted messages at the right-time Benefit to you  Increase basket size, margin of basket  Identify additional merchandising opportunities

13. Disengaging customer/loyalty programs  Hard to identify customers who are disengaging before they fully attrite  Lack of visibility into detailed competitive data  Leverage detailed transaction data including competitive data to identify key attrition triggers  Ability to customize messaging based on level of loyalty  Reduce customer sales attrition  Increase visits/customer Sample campaign  Identify customers who have moved from “loyalists” to “split-loyalists” over the past 3 months  Show a deep discount offer (50% off) for their next purchase next to their Lowe’s transaction on Chase.com with special messaging to reinforce their value as a customer Current challenges How Chase can help Benefit to you

14. Leveraging our data can also deliver key insights Example opportunity area  Macro customer footprint analysis (How are you performing vs. key competitors)  Can cut data by day of week, store location/geography, customer segments, etc.  Help identify stores/locations where opportunity exist to improve sales/effectiveness

15. Summary/next steps

16.  Size and scale of the Chase franchise  # 1 Visa/MasterCard issuer by spend on general purpose credit cards  Largest financial partner on spend $ volume across credit and debit and customer reach  Reach into all key customer segments, from mass to high net-worth  Retail banking assets provide vast access into most major markets in the U.S.  Marketing and analytics capabilities  Analytics-driven targeting with demonstrated success in driving incremental value to merchants through offers and promotions  Comprehensive multi-channel marketing programs to drive traffic and volume to merchants  Marketing platform that provides unmatched flexibility to execute targeted marketing campaigns  Unique approach to win-win partnerships  Broad set of successful partnerships, experience delivering meaningful value to merchants The value of a partnership with Chase

17. Chase to deliver detailed partnership proposal by X date Schedule follow-up meeting to review proposal, including expanded marketing team and agency Identify additional areas of focus for our analytics team ahead of next meeting Next steps