1. Finance SCOOP Indiana University September 16, 2003

2. Agenda The Business of Banking Considering Careers in Financial Services About Bank One Our Lines of Business Our Development Programs The Recruiting Process Important Dates

3. The Business of Banking The industry has consolidated significantly over the last few years Changes in banking regulations have expanded the scope of products and services offered by financial companies Advancements in technology allow banks to meet customers’ needs more effectively Competition within the industry is intensifying

4. About Bank One Headquartered in Chicago, Bank One Corporation is the sixth- largest bank holding company in the U.S., with assets of nearly $300 billion.

5. Bank One Is … A leader in retail and small business banking, serving 7 million households and nearly 500,000 small businesses A premier provider of lending, treasury management, and capital markets products to large corporations and middle market businesses The third-largest credit card issuer in the U.S. and the largest issuer of Visa credit cards A leading investment management company, with $171 billion assets under our care

6. Our Lines of Business Retail Checking & Savings Accounts Consumer Lending Small Business Banking Debit/ATM Cards Investment Accounts Credit Cards Insurance Auto Loans & Leases Online Banking Home Loans Credit Card Credit Cards Affinity Cards Rewards Cards Smart Cards Stored-Value Cards Business Cards Investment Management Group Portfolio Management Mutual Funds Financial Planning Brokerage Private Client Services Corporate and Personal Trust Alternative Asset Management Insurance Retirement Services Securities Lending Custody and Master Trust Commercial Global Cash Management Commercial Lending Loan Syndications Commercial Cards Investment Management Asset-Backed Finance Investment Grade Securities Derivatives Foreign Exchange Global Trade

7. Our Support Functions Corporate Audit, Credit Review & Security is responsible for internal audits and controls as well as security. Finance handles the financial management of the corporation and also includes functions such as mergers & acquisitions, investor relations, tax, and accounting. Risk Management implements processes and systems to improve risk measurement and reporting for credit, market and operational risk. Technology and Operations maintains existing and develops new technology to support the business lines in delivering quality products and services.

8. Our Development Programs Card Services –Card Services Associate Program Commercial Bank –Capital Markets Analyst Program Retail Bank –Chicago Sales Management Program –National Retail Management Program –Relationship Banker Program Support Functions –Finance, Accounting & Audit Program –National Enterprise Operations Management Training Program –Technology Development Program –Bank One Scholar

9. Capital Markets Analyst Program An intensive 2-year rotational training program for careers in Capital Markets and Large Corporate banking Program consists of 8 weeks of classroom training followed by three 9-month rotations through various areas within Capital Markets Classroom training includes courses in: –Financial Statement Analysis –Corporate Finance –Business and Industry Risk –Cash Flow Forecasting –Structuring Transactions –Capital Markets Products –Other special topics

10. Capital Markets Analyst Program Rotations may include: –Asset-Backed Securitization –Loan Syndications –Investment Grade Securities –High Yield Securities –Private Placements –Derivatives, Currency and Equity Products –Mergers & Acquisitions –Public Finance –Asset Based Lending –Securities Research –Sales and Trading, among others

11. Finance, Accounting & Audit Development Program 2 year rotational program; participants specialize in one of three tracks Finance Track –2 core finance rotations –1 elective finance rotation –1 accounting rotation Accounting Track –2 accounting rotations –1 finance rotation –1 elective rotation Audit Track –2 or 3 audit rotations –1 or 2 elective rotations

12. Finance, Accounting & Audit Development Program Rotations may include: –Tax –Treasury –Planning, Reporting & Analysis –Corporate Accounting –Corporate Real Estate –Mergers & Acquisitions –Corporate Audit –Risk Management –Technology –Corporate Security

13. Things to Remember … Bank One ’ s Development Programs prepare you for long-term careers – not just short-term jobs Development Programs offer great training & quick advancement – look at where you ’ ll be after 5 years, not just 5 months Financial products are not luxury items – there will always be demand for bank products, which equals job security for bank employees

14. The Recruiting Process Bank One ’ s on-campus interviews will be October 17, 2003 Come to your interview ready to discuss your experiences, skills & interests Second interviews will be held in our offices Offers should be extended in November & December Start dates are typically in January/July 2004

15. Thank you! Any Questions?