POOPs Agenda

2. POOPs Agenda • The business of banking • Considering careers in financial services • About Bank One • Lines of business and career opportunities • About National Enterprise Operations • Opportunities within Operations • Getting started • Conclusion

3. The Business of Banking • The industry is consolidating. • 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. • Competition within the industry is intensifying.

4. Consider a Career in Financial Services If You: • Like variety in the tasks you do and the issues you deal with everyday. • Like working with customers and solving their problems. • 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 helping customers make financial and business decisions.

5. The Power of ONE Bank One Goals, Philosophies, and Values • The customer is NUMBER ONE at BANK ONE • Be field and client driven • Highest standards of integrity and performance • Open, Entrepreneurial, meritocracy for all • Financial discipline and fortress balance sheet • Have fun and act like an owner/partner • A great company is great for customer and shareholders • Be a leader-drive change-strive for constant improvement • Share information- know your numbers, goals • Meet commitments • Be lean, efficient, and low-cost • Execute superbly • Invest relentlessly • “Bank One is now on • the path to becoming • what it deserves to be: One of the best financial service companies in the U.S.” • Jamie Dimon • Bank One Chairman and CEO

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... • A 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 businesses • The 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 care

7. Bank One Overview • 6th largest bank holding company • Located in 14 states and 11 international markets • More than $270 billion in assets • #3 commercial bank in the U.S. and #1 commercial bank in the Midwest • 3rd largest bank lender to small businesses • The world’s largest Visa card issuer • One of the top 25 managers of mutual funds • Approximately 1,800 banking centers and a nationwide network of ATMs • 73,000+ employees • Headquarters in Chicago

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

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

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

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

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

13. “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 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.