2. The business of banking. The business of banking. Considering careers in financial services. Considering careers in financial services. About Bank One. About Bank One. Lines of business and career opportunities. Lines of business and career opportunities. Commercial banking defined. Commercial banking defined. Opportunities within commercial banking. Opportunities within commercial banking. Getting started in commercial banking. Getting started in commercial banking. Conclusion Conclusion POOPs Agenda

3. The industry is consolidating. The industry is consolidating. Changes in banking regulations have expanded the scope of products and services offered by banks. Changes in banking regulations have expanded the scope of products and services offered by banks. Advancements in technology allow banks to meet the needs of more customers in more effective ways. Advancements in technology allow banks to meet the needs of more customers in more effective ways. Competition within the industry is intensifying. Competition within the industry is intensifying. The Business of Banking

4. Like variety in the tasks you do and the issues you deal with everyday. Like variety in the tasks you do and the issues you deal with everyday. Like working with customers and solving their problems. Like working with customers and solving their problems. Like dealing with technology and applying it to solve problems and meet customer needs. Like dealing with technology and applying it to solve problems and meet customer needs. Enjoy following and understanding the financial markets and the markets’ implications on your customers’ businesses. Enjoy following and understanding the financial markets and the markets’ implications on your customers’ businesses. Enjoy helping customers make financial and business decisions. Enjoy helping customers make financial and business decisions. Consider a Career in Financial Services If You:

5. 4th largest bank holding company 4th largest bank holding company Located in 14 states and 11 international markets Located in 14 states and 11 international markets More than $270 billion in assets More than $270 billion in assets #3 commercial bank in the U.S. and #1 commercial bank in the Midwest #3 commercial bank in the U.S. and #1 commercial bank in the Midwest 3rd largest bank lender to small businesses 3rd largest bank lender to small businesses The world’s largest Visa card issuer The world’s largest Visa card issuer One of the top 25 managers of mutual funds One of the top 25 managers of mutual funds Approximately 2,000 banking centers and a nationwide network of ATMs Approximately 2,000 banking centers and a nationwide network of ATMs 90,000+ employees 90,000+ employees Headquarters in Chicago Headquarters in Chicago Bank One Overview

6. For more information visit our website at: www.bankone.com/careernav Commercial Banking Commercial Banking  Commercial Banking Development Program Retail Banking Retail Banking  National Retail Management Development Program  In-Store Sales Management Training Program Banc One Credit Corporation Banc One Credit Corporation  SAIL, Strategic Advancement of Innovative Leadership (MBA) Credit Card Credit Card  First USA Business Associate Program Investment Management Investment Management  BOIA, Bank One Investment Advisors MBA Internship Program National Enterprise Operations National Enterprise Operations  National Enterprise Operations Management Development Program Corporate Staff Corporate Staff  Bank One Scholar Program  Finance Professional Development Program  Corporate Audit & Security Professional Development Program  Corporate Audit & Security Summer Internship Program  Undergraduate Internship Program (supports all lines of business) Lines of Business and Career Opportunities

7. Providing credit, treasury management, capital markets, and other financial services to customers. Providing credit, treasury management, capital markets, and other financial services to customers. Segmented by customer’s annual sales volume. Segmented by customer’s annual sales volume.  Small Business  Middle Market  Large Corporate Segmented by type of business. Segmented by type of business. Segmented by geography. Segmented by geography. Commercial Banking Defined

8. Careers in Commercial Banking Relationship Management Relationship Management  Banker  Division Manager Credit and Risk Management Credit and Risk Management  Underwriter  Credit Approver Capital Markets Capital Markets  Global Derivatives Specialist  Mergers & Acquisitions Specialist Other Areas Other Areas  I.e. Treasury Management, Wealth Management, Insurance, Leasing, International

9. Getting Started in Commercial Banking: The Commercial Banking Development Program 12-24 month program 12-24 month program Opportunities throughout Indiana, Michigan, Illinois, Ohio, Kentucky, Wisconsin, Texas, Louisiana, Oklahoma, Arizona, and Colorado. Opportunities throughout Indiana, Michigan, Illinois, Ohio, Kentucky, Wisconsin, Texas, Louisiana, Oklahoma, Arizona, and Colorado. 2-4 six-month rotations 2-4 six-month rotations Classroom education Classroom education  overview of commercial lending  product training  sales skills On-the-job experiences On-the-job experiences  analyzing customers  structuring deals  participating in customer calls

10. The Power of ONE We will deliver exceptional results through exceptional people. We are a highly respected, world- class financial services company committed to being the best in all we do: superior performance, quality service, a great place to work. We value our customers, teamwork, extraordinary performance, ethics and integrity, people, and speed and simplicity. “I am excited by Bank One’s powerful franchise, its dedicated employees and its bright future. Together, we can serve our customers exceptionally well and realize our goal of being America’s premier financial institution.” Jamie Dimon Bank One Chairman and CEO

11. CBDp Recruiting Calendar Tuesday, September 19 - IU Women in Business Wednesday, September 27 - IU Delta Sigma Pi Friday, October 6 - Finance Alumni Panel Tuesday, October 17 - Night Before Presentation Wednesday, October 18 - Campus Interviews