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 About National Enterprise Operations About National Enterprise Operations Opportunities within Operations Opportunities within Operations Getting started Getting started 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. Bank One is now on Bank One is now on the path to becoming the path to becoming what it deserves to be: One of the best financial service companies in the U.S. what it deserves to be: One of the best financial service companies in the U.S. Jamie Dimon Jamie Dimon Bank One Chairman and CEO Bank One Chairman and CEO The Power of ONE Bank One Goals, Philosophies, and Values The customer is NUMBER ONE at BANK ONEThe customer is NUMBER ONE at BANK ONE Be field and client drivenBe field and client driven Highest standards of integrity and performanceHighest standards of integrity and performance Open, Entrepreneurial, meritocracy for allOpen, Entrepreneurial, meritocracy for all Financial discipline and fortress balance sheetFinancial discipline and fortress balance sheet Have fun and act like an owner/partnerHave fun and act like an owner/partner A great company is great for customer and shareholdersA great company is great for customer and shareholders Be a leader-drive change-strive for constant improvementBe a leader-drive change-strive for constant improvement Share information- know your numbers, goalsShare information- know your numbers, goals Meet commitmentsMeet commitments Be lean, efficient, and low-costBe lean, efficient, and low-cost Execute superblyExecute superbly Invest relentlesslyInvest relentlessly

6. Who are we? At Bank One, we help customers achieve their individual financial goals by listening carefully, anticipating needs, delivering solutions that work, and holding ourselves accountable for results Bank One is... Bank One is... A leader in retail and small business banking, serving more than 7.1 million retail households and nearly 488,000 small businessesA leader in retail and small business banking, serving more than 7.1 million retail households and nearly 488,000 small businesses A premier provider of lending, treasury management, and capital markets products to corporations and middle market businessesA premier provider of lending, treasury management, and capital markets products to corporations and middle market businesses The third largest credit card issuer in the United States, with more than 53 million cards in circulation and $65 billion in managed receivablesThe third largest credit card issuer in the United States, with more than 53 million cards in circulation and $65 billion in managed receivables A leading investment management company, with $146 billion assets under our careA leading investment management company, with $146 billion assets under our care

7. 6th largest bank holding company 6th 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 worlds largest Visa card issuer The worlds largest Visa card issuer One of the top 25 managers of mutual funds One of the top 25 managers of mutual funds Approximately 1,800 banking centers and a nationwide network of ATMs Approximately 1,800 banking centers and a nationwide network of ATMs 73,000+ employees 73,000+ employees Headquarters in Chicago Headquarters in Chicago Bank One Overview

8. For more information visit our website at: www.bankone.com/careernav Bank One Scholar Program Bank One Scholar Program Commercial Banking Commercial Banking Commercial Banking Development Program Commercial Banking Development Program Corporate Staff Corporate Staff Finance & Accounting Analyst Professional Development Program Finance & Accounting Analyst Professional Development Program Corporate Audit & Security Professional Development Program Corporate Audit & Security Professional Development Program Credit Card Credit Card First USA Business Associate Program First USA Business Associate Program National Enterprise Operations National Enterprise Operations National Enterprise Operations Management Development Program National Enterprise Operations Management Development Program Retail Banking Retail Banking National Retail Management Development Program National Retail Management Development Program In-Store Sales Management Training Program In-Store Sales Management Training Program Lines of Business and Career Opportunities

9. What is National Enterprise Operations (NEO) ? NEO touches almost every Bank One customer through our various services NEO touches almost every Bank One customer through our various services NEO annually processes 5.3 billion checks and other items NEO annually processes 5.3 billion checks and other items Prints 170 million customer statements Prints 170 million customer statements Distributes 3 billion dollars in cash to internal & external customers Distributes 3 billion dollars in cash to internal & external customers

10. What all does NEO include? Just a few of our functions: Just a few of our functions: Sorting and encoding checks (Item Processing) Sorting and encoding checks (Item Processing) Special handling of stop payments and non-sufficient funds (Exceptions & Returns) Special handling of stop payments and non-sufficient funds (Exceptions & Returns) Printing customer statements (National Statement Processing) Printing customer statements (National Statement Processing) Payment and information processing for credit cards and utilities (Lockbox) Payment and information processing for credit cards and utilities (Lockbox) Cash servicing for Commercial customers & Banking Centers (Cash Services) Cash servicing for Commercial customers & Banking Centers (Cash Services) Processing account changes and returned mail (Account Maintenance) Processing account changes and returned mail (Account Maintenance)

11. Participants are prepared for a career as an operations manager Participants are prepared for a career as an operations manager Strong focus on management and leadership training to prepare for supervisory role Strong focus on management and leadership training to prepare for supervisory role Curriculum composed of Curriculum composed of Rotational assignments through all operational units Rotational assignments through all operational units Project assignments Project assignments Mentoring Mentoring Training, classes, & other developmental opportunities Training, classes, & other developmental opportunities Program lasts 6 months, followed by job placement Program lasts 6 months, followed by job placement National Enterprise Operations Management Development Program

12. Getting Started in Operations through the Management Development Program: Receive a deep and broad perspective of organization Receive a deep and broad perspective of organization Many sites across the country Many sites across the country Four main sites where program is offered Four main sites where program is offered Chicago, IL Chicago, IL Columbus, OH Columbus, OH Indianapolis, IN Indianapolis, IN Dallas/Ft. Worth, TX Dallas/Ft. Worth, TX Flexibility to travel during the program is critical Flexibility to travel during the program is critical Need relocation flexibility upon graduating from program Need relocation flexibility upon graduating from program

13. 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 Ones powerful franchise, its dedicated employees and its bright future. Together, we can serve our customers exceptionally well and realize our goal of being Americas premier financial institution. Jamie Dimon Bank One Chairman and CEO