Data Management Council Overview North American Financial Summit

1. Data Management Council OverviewNorth American Financial Summit April 29, 2008

2. 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.

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

4. 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

5. The Data Management Council – Our Charter The Data Management Council (DMC) is the governance organization that ensures the integrity of our business data and information 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

6. Data Management Council - Scope 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

7. Control Element Examples Code that identifies the products or plans the client uses  Association Product Code VW = Visa Signature VB = Visa Business Code that will break down the Bank’s portfolio by line type Account Product Type Code CCC = Credit Card OLC = Credit Line POL = Plasticless ODP Code that designates an organization that is associated to the account, typically including branding in some way Account Organization Code 05058 = United 06272 = Disney 06236 = Amazon.com The Data Management Council – Focus on Control Elements

8. The Data Management Council - Objectives Enforce Data Management Practices and Data Quality in Key Source Systems 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.

9. The Data Management Council - Objectives Non IT Systems aka NITs 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

10. The Data Management Council: Structure & Roles Data Management Council DMC Core Team DMC Core Leadership: Leads the DMC DMC Core Team: Defines Council strategy and tactics, comprised o DMC Core Leadership f DMC Leadership team, Core, Data Warehouse, Knowledge Management, and DMC Chair Architecture. Knowledge Management Core Data Architecture Data Warehouse DMC Business Block Representation 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 Audit Legal Compliance

11. DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect 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

12. DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect 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

13. DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect 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)

14. DMC Business Department Representation Business Data Lead Steward Data Steward Data Custodian Data Architect DataArchitect: 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

15. DMC Core Team DMCChair Knowledge Management Data warehouse Process/ Policy Data Architecture Data Management Council Core Team: Role and Responsibilities DMC Core Team Defines Council strategy and tactics. Comprised of DMC Leadership team, Data warehouse, Knowledge Management, Architecture, and Process/Policy • 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

16. CCS_Change Control-Control/Custom Elements Form

17. 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

18. 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

19. Data Management Council Questions