A World of OpportunitiesA presentation to Indiana University September 20, 2005

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AgendaAgenda JPMorgan Chase Overview Commercial Banking Overview Analyst Program Description Commercial Banking Analyst Program Analyst Training Description Program Comparison Analyst Competencies Important Dates Question & Answer

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JPMorgan Chase Overview

Who we are…Who we are…

A leading global financial services firm with assets of A leading global financial services firm with assets of more than $1 trillionmore than $1 trillion

More than 160,000 employees in 50 countries serving 90 More than 160,000 employees in 50 countries serving 90 million customers worldwidemillion customers worldwide

A leader in all six lines of business – Retail Financial A leader in all six lines of business – Retail Financial Services, Asset & Wealth Management, Treasury & Services, Asset & Wealth Management, Treasury & Security Services, Card Services, Investment Banking and Security Services, Card Services, Investment Banking and Commercial BankingCommercial Banking

Under the JPMorgan Chase brand, the firm serves Under the JPMorgan Chase brand, the firm serves millions of consumers in the United States and many of millions of consumers in the United States and many of the world’s most prominent corporate, institutional and the world’s most prominent corporate, institutional and government clientsgovernment clients

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Commercial Banking OverviewCommercial Banking Overview

Serve clients with annual revenue of $10 million to $2 billion

30,000 Middle Market Banking clients

1,500 Corporate/Corporate IB clients

# 2 Middle Market bank in the U.S.

Presence in 18 states

Who we are...Who we are...

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Insert Gillian’s map

Commercial Banking Presence

Commercial Banking National Commercial Banking National CoverageCoverage

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Commercial Banking OverviewCommercial Banking Overview, con’t

Covers companies with annual revenues between $10 million up to $500 million

Regional markets covered in 15 states

Focuses on U.S. clients nationwide with annual sales of $500 million up to $2 billion

Clients require traditional banking services as well as IB products

Services investors & developers of for-sale housing, multifamily rental, retail, office and industrial properties

Middle Market Middle Market Banking (MM)Banking (MM)

Commercial Banking includes 3 client areas:Commercial Banking includes 3 client areas:

Commercial Real Commercial Real Estate (CRE)Estate (CRE)

Mid-Corporate Mid-Corporate Banking Banking . .

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Commercial Banking Overview, con’tCommercial Banking Overview, con’t

Leading national provider of highly structured asset based financing for an array of leveraged financing needs

Firm-wide product

Focuses on meeting the needs of mid-sized companies & large corporations

Finance various equipment types - transactions of $1 million or more

Firm-wide product

Chase Business Credit (CBC)Chase Business Credit (CBC) Equipment LeasingEquipment Leasing

Commercial Banking includes 2 product segments: Commercial Banking includes 2 product segments:

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Analyst Program DescriptionAnalyst Program Description

Opportunities in 1 of the 5 Commercial Banking businesses Support client managers developing financial solutions for

our national client base 18 to 36 month program Opportunities available in Indianapolis, Indiana

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Commercial Banking Analyst ProgramCommercial Banking Analyst Program

Program includes MM, CRE, CBC & Leasing Also includes Specialized Industries which is a group

with expertise in Healthcare, Not-for-Profit, Government & International, Financial Institutions

18 – 36 month program with promotion to Underwriter or Banker Credit/financial analysis Research industries and markets Support client manager Client exposure

Responsibilities & career path...Responsibilities & career path...

CareerCareer opportunitiesopportunities within... within...

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Analyst Training DescriptionAnalyst Training Description

Program modules in: Credit Risk Analysis Financial Accounting Corporate Finance Market Dynamics Case Studies

Commercial Banking Analysts are exposed to...Commercial Banking Analysts are exposed to...

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Program DetailProgram Detail

Commercial Banking Analyst ProgramCommercial Banking Analyst Program MM, CRE, CBC, Leasing,

Specialized Industries Clients with annual revenues of

$10 million up to $500 million More privately owned clients Traditional banking services Credit driven Cash flow modeling Earlier client exposure Work life balance

Offers a great career and a successful futureOffers a great career and a successful future

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Core Competencies of a strong AnalystCore Competencies of a strong Analyst Superior quantitative and analytical skills Excellent communication skills Outstanding interpersonal, relationship, team and

networking skills Proven leadership abilities and initiative Strong work ethic and desire to learn continuously Creativity Ability to multi-task within the environment of the financial

services industry to meet deadlines and exceed client expectations

Well rounded academic background with an aptitude for finance and accounting

Attention to detail

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Important DatesImportant Dates

Resume Drop Deadline: September 20, 2005

Interviews on Campus: October 12, 2005

2nd Round Interviews: first week in November

Begin working for JPMorgan Chase: Summer 2006

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Question & AnswerQuestion & Answer

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