Code number Data Management Council Overview North American Financial Summit April 29, 2008

Code number 1 Agenda The Data Management Function Purpose – Business Drivers Charter Scope - Control and Custom Data Elements Roles and Responsibilities Controls – The Change Control Process Business Data Definition Matrix (BDDM) Data Management Council Overview IRS Circular 230 Disclosure: JPMorgan Chase & Co. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with JPMorgan Chase & Co. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, investment or tax advice.

Code number 2 Data Management Program Define Define Scope: Critical source systems and elements Information Management Guiding Principles Technology Enablers – Metadata, ETL and Data Quality Tools Assess ImproveControl Below Quality Threshold Meets Quality Target Assess Information Quality Reengineer/ Correct Data, Improve Process Quality Monitor and Sustain Information Quality Data Management Council – Stewardship Program Data Quality Management Data Architecture - Standards KM-Data Management Team Program Methodology Program Management and Execution Governance, Audit and Compliance Our vision is to implement a comprehensive end-to-end DM Program that will support business objectives

Code number 3 The Data Management Council – Genesis Business Drivers: Mitigate data driven audits and compliance operational risks Improve quality of business information Develop a single “version of the truth” Reduce costs and improve efficiencies in data definition and usage Improve accuracy of data used for financial and operational reporting

Code number 4 The Data Management Council – Our Charter DMC Council Representation – Full cross business representation from business process definition to technical data architecture. The Data Management Council ensures: Definition Usage Controls Integrity Standards The Data Management Council (DMC) is the governance organization that ensures the integrity of our business data and information

Code number 5 Control Elements Definition: A Control Element is a data element that “controls” or modifies major business processes. Control Elements are categorized 2 ways: —Enterprise —Functional Scope of data definition and usage is across all business processes and IS applications Data Management Council - Scope

Code number 6 Association Product Code Account Product Type Code Account Organization Code Code that identifies the products or plans the client uses Code that will break down the Bank’s portfolio by line type Code that designates an organization that is associated to the account, typically including branding in some way VW = Visa Signature VB = Visa Business = United = Disney = Amazon.com CCC = Credit Card OLC = Credit Line POL = Plasticless ODP Control Element Examples The Data Management Council – Focus on Control Elements

Code number 7 Enforce Data Management Practices and Data Quality in Key Source Systems The Data Management Council - Objectives Current Objectives Set and enforce Data Management policies and procedures for Key Source systems. Provide subject matter expertise and support to UAT for projects. Gather requirements for data quality on Business Critical Elements. Gather requirements for Reconciliation on data from source. Promote ongoing data quality processes and reporting for Elements for Key Source Systems. Provide data defect impact analysis and correction guidance for Elements. Support Projects that deploy corrections to Elements.

Code number 8 Non IT Systems aka NITs The Data Management Council - Objectives Objectives Provide clear controls and responsibility for the usage of CE data in NITs Maintain data usage inventories for NITs Enforce data management principles, policies and practices in NITs

Code number 9 The Data Management Council: Structure & Roles DMC Core Team Core Data Architecture Knowledge Management DMC Business Block Representation DMC Core Leadership Data Management Council DMC Chair Data Warehouse Data Leads: Decision Maker, Enforcer, Liaison for their Block Data Stewards: Define data elements from a business perspective, SME Data Custodians: Designated by the Data Steward to implement decisions Data Architects: Define data elements from a technical perspective DMC Core Leadership: Leads the DMC DMC Core Team: Defines Council strategy and tactics, comprised o f DMC Leadership team, Core, Data Warehouse, Knowledge Management, and Architecture. AuditLegalCompliance

Code number 10 Data Lead Steward: Role and Responsibilities Business Lead Data Steward – Usually SVP/VP Level Decision maker for their department on data change requests, certification of data usage and standards. Act as a liaison on cross-LOB issues and operational compliance. Work closely with the Data Management Core Governance Team to monitor overall program success and perform cost justification. Impact analysis for proposed changes to Data Elements Recommendations regarding proposed changes Identifying key issues with data to the Data Management Core Governance Team Execute or be aware of the Data Management Council (DMC) change control processes that maintain the values and business definitions of the elements in their LOB Enforce data standards and regulatory compliance rules Communicating DMC outcomes/actions to business departments DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect

Code number 11 Data Steward: Role and Responsibilities Business Data Steward Decision-maker and guardian for assigned control elements, responsible for understanding the business definition and business rules. For assigned control elements, is accountable for: Establishing and maintaining business definitions and business data integrity requirements, e.g., valid values and ranges, Business Meaningful Names Specification and maintenance of critical business policy and regulatory compliance rules regarding the valid values or ranges of each element Establishing, maintaining and documenting interdependencies with other control elements Executing the Data Management Council (DMC) change control processes that maintain the values and business definitions of the elements Impact analyses for proposed changes to the above Recommendations regarding proposed changes Communicating DMC outcomes/actions to business departments DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect

Code number 12 Data Custodian: Role and Responsibilities Data Custodian Implementation specialist for assigned control elements, responsible for understanding the related business definition and business rules as well as the uses of the element. For assigned control and custom elements, is accountable for: Establishing and maintaining matrices identifying: Every process that uses each element and their usage within them Specifications: data types, lengths, access / update methods, system of record Driving conversion activities related to assigned elements: Requirements definition User acceptance testing (UAT) DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect

Code number 13 Data Architect: Role and Responsibilities Data Architect For assigned control and custom elements, is accountable for: Defining control elements from a technical perspective Providing guidance to Data Stewards on Control Element technical and architectural Impacts Ensuring Enterprise and Card Services Data Standards are defined, published and enforced Communicating DMC outcomes/actions to IS departments DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect

Code number 14 Data Management Council Core Team: Role and Responsibilities Ensure blocks and stripes have executive sponsored coverage and representation on the council Define the scope of Data Steward responsibilities – promote knowledge transfer Provide Issue Resolution Provide communications to Steward Network regarding project changes and updates Data Mapping – updates from conversion teams Core status, updates, information Data warehouse status, updates, information DMC Core Team DMC Chair Process/ PolicyData Architecture Knowledge Management Data warehouse DMC Core Team Defines Council strategy and tactics. Comprised of DMC Leadership team, Data warehouse, Knowledge Management, Architecture, and Process/Policy

Code number 15 CCS_Change Control-Control/Custom Elements Form

Code number 16 Business Data Definition Matrix (BDDM) Business Definition  Business Meaningful Name (BMN)  Business Description  Sample Values  Business Object  Status “code” or Scoring code  Custom element  Tabs included  Valid Values  Data Instances

Code number 17 Take Advantage of “Significant Emotional Events”! Business Ownership at Senior Management Levels Assign Goals and Compensate Appropriately The Devil’s in the Details – Don’t get side-tracked by tools Data Management Council - Summary

Code number 18 Data Management Council Questions