& C ORPORATE A UDIT/ C REDIT R EVIEW & S ECURITY

A Snapshot of BANK ONE & CORPORATE AUDIT/ CREDIT REVIEW & SECURITY Who We Are

One of the Top 5 Banks in the US Citigroup JP Morgan Chase Bank of America Wells Fargo Bank One

Philosophies & Values The customer is NUMBER ONE at BANK ONE Highest standards of integrity and performance Financial discipline and fortress balance sheet Open, entrepreneurial meritocracy for all Have fun and act like an owner/partner

An Example of How We Review a Client What We Do & CORPORATE AUDIT/ CREDIT REVIEW & SECURITY

Focus on Client’s Key Processes Processes = What the client does Key Processes in Home Equity Lending

Identification & Analysis of Risk Risk = What could possibly go wrong with this process Risks in Credit Decisioning

Evaluation of Controls Controls = What management is doing to make sure nothing goes wrong Controls over Risk of Improper Credit Judgment

Testing of Controls Testing = How we make sure management is taking the right actions to keep things from going wrong Tests to Validate Management Reviews of Employee Work

Management is not doing enough to ensure nothing goes wrong or controls are not working the way management intended Identify Issues and Develop Solutions Issue = Once issues are identified, we partner with management to develop & implement solutions

An Overview of Our Culture What We Offer & CORPORATE AUDIT/ CREDIT REVIEW & SECURITY

A methodology to analyze a client’s business, identify issues and develop solutions A small consulting firm “feel” within a large corporate environment Exposure to top management Exposure to various lines of business Targeted training programs to help you develop your skills What We Can Do For You Provide...

Corporate Banking Audit & Credit Review Retail Banking Audit & Credit Review Middle Market Banking Audit & Credit Review Credit Card Audit & Credit Review Investment Management Audit Corporate Staff Audit Operations & Delivery Audit Information Technology Audit & Infrastructure Investigations & Asset Protection Security Operations Risk Management Corporate Audit/Credit Review and Security Teams

Corporate Audit/Credit Review and Security Locations Chicago Corporate Banking Middle Market Banking Operations & Delivery Corporate Staff Investigations & Asset Protection Security Operations Columbus Retail Banking Investment Management Operations & Delivery Information Technology Investigations & Asset Protection Risk Management Dallas Middle Market Banking Operations & Delivery Investigations & Asset Protection Security Operations Phoenix Retail Banking Investigations & Asset Protection Security Operations Wilmington Credit Card

Challenging Assignments Performance Development Teamwork Fun! Corporate Audit/Credit Review and Security Environment

Financial Services Business Program Information Technology Rotation Program Corporate Audit/Credit Review... Corporate Security... Security Rotation Program Professional Development Program

Professional Development Program Work on a Line of Business Audit or Security services team Be exposed to various areas of the bank Pair up with a mentor/coach Contribute to team projects immediately Work on challenging assignments & priorities Build client relationships Have the opportunity to travel Develop key competencies & skills Interact/network with other program participants Receive competitive pay & benefits