Docket #9174 Date Filed: 12/9/2011

UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF DELAWARE

------x

Inre

Chapter 11 Case No. 08-12229(MFW) (Jointly Administered)

Requested Hearing Date: December 22,2011, 10:30am EST
x

WASmNGTON MUTUAL, INC. Et al., Debtors

--,-----

Requested Objection Deadline: December 15,2011, 4:00pmEST

MOTION OF WILLIAM DUKE, pro se FOR AN ORDER, PURSUANT TO SECTION 105(a) OF THE BANKRUPTCY CODE AND FEDERAL RULES OF EVIDENCE TO INCLUDE IN THE RECORD OF CASE No. 08-12229(MFW) CERTAIN DOCUMENTS AND INFORMATION AS PROVIDED HEREIN.

William Duke, shareholder, pro se on behalf of myself and others similarly situated presents a motion pursuant to section 1 05 of title 1 1 of the United States Code and in compliance with the Federal Rules of Evidence the following documents described here and provided in detail in Exhibit "A" through "F": Portions of transcripts from the confIrmation hearing of December

1 ,2,3,6 and 7, 20 1 0 referred to in Debtors submission (Docket# 9094) as CONF DX 260,261 ,262,263,264 ,portions of mandatory regulatory financial filings of JPMorgan Chase
Bank, N.A. and JPMorgan Chase & Co., Bank Holding, an excerpt from SUBMISSION OF JPMORGAN CHASE BANK,N.A. IN SUPPORT OF CONFIRMATION OF THE DEBTORS MODIFIED SIXTH AMENDED JOINT PLAN (Docket# 8 1 12), an article from Wall Street Journal online, and random pages of Google searches for JPMorgan Sanctions.

JURIDICTION
The United States Bankruptcy Court for the District of Delaware (the "Bankruptcy Court has jurisdiction to consider this matter pursuant to 28 U.S.C. 1 57 and 1 334. This is a core proceeding pursuant to 28 U.S.c. 1 57(b). Venue is proper before the Bankruptcy Court pursuant to 28 U.S.C. 1 408 and 1 409. Page 1

0q6=+,) #; 0812229111209000000000003

BACKGROUND 1. On September 26, 2008 (the "Petition Date"), each of the Debtors commenced with the Bankruptcy Court a voluntary case (together, the "Chapter 1 1 Cases") pursuant to chapter 1 1 of title 1 1 of the United States Code (the "Bankruptcy Code"). Since the Petition Date, the Debtors have continued to operate their businesses and manage their properties as debtors in possession pursuant to sections 1 1 07(a) and 1 1 08 of the Bankruptcy Code. 2. On October 3, 2008, the Bankruptcy Court entered an order, pursuant to Rule 1 0I5(b) of the Federal Rules of Bankruptcy Procedure, authorizing the joint administration of the Chapter 1 1 Cases. 3. On October 1 5, 2008, the United States Trustee for the District of Delaware (the "U.S. Trustee") appointed an official committee of unsecured creditors (the "Creditors' Committee"). On January 1 1 , 201 0, the U.S. Trustee appointed an official committee of equity security holders (the "Equity Committee"). 4. Prior to the Petition Date, WMI was a savings and loan holding company that owned WMB and such bank's subsidiaries, including Washington Mutual Bank fsb ("WMBfsb"). WMI also has certain non-banking, non-debtor subsidiaries. Like all savings and loan holding companies, WMI was subject to regulation by the Office of Thrift Supervision (the "OTS"). WMB and WMBfsb, in turn, like all depository institutions with federal thrift charters, were subject to regulation and examination by the OTS. In addition, WMI's banking and nonbanking subsidiaries were overseen by various federal and state authorities, including the FDIC. 5. On September 25, 2008, the Director of the OTS, by order number 2008-36, appointed the FDIC as receiver for WMB (the "FDIC Receiver") and advised that the FDIC Receiver was immediately taking possession of WMB. Immediately after its appointment as receiver, the FDIC Receiver sold substantially all the assets of WMB, including the stock of WMBfsb, to JPMorgan Chase Bank, N .A., pursuant to that certain Purchase and Assumption Agreement, Whole Bank, dated as of September 25, 2008.

On September 1 3, 201 1 , the Court issued an Order Denying Confirmation of Modified 6. Plan and Granting Motion of Equity Committee for Standing to Prosecute Claim Stayed Pending Mediation (Docket # 86 1 3) 8. On October 1 1 , 201 1 the Court issued Order Appointing Mediator (Docket# 8780).

Page 2

RELIEF REQUESTED By this Motion, I request entry of an order, a copy of which is attached hereto as Exhibit "G" (the "Proposed Order"), pursuant to section 1 05(a) of the Bankruptcy Code and Federal Rules of Evidence to admit any or all of the documents in Exhibits "A" and "B" attached, into the record of this Bankruptcy proceedings, Case No. 08- 12228 (MJW)

BASIS FOR RELIEF

1.

As a shareholder of Washington Mutual Inc I have standing in this Bankruptcy preceding.

The documents to be included in the record are relevant. Stated in the opinion of the Court issued on September 1 3th, 201 O(Docket #86 12) was the following quote; "2. Other objections to reasonableness Many of the individual shareholders who object to confirmation of the Modified Plan do so based on the assertion that the GSA should not be approved. Some of the objections are based on alleged facts for which no evidence was presented at the confirmation hearings. Those objections must fail for lack of support in the record."

Per Federal Rule of Evidence 401 , Evidence is relevant if: (a) it has any tendency to make a fact more or less probable than it would be without the evidence; and (b) the fact is of consequence in determining the action. The proposed documents meet (a) and (b) above.

Page 3

2.

In hearings concerning the appointment of Mediator the Court indicated that mediation

should take priority before other issues are to be addressed. Mediation appears to be drawing to a close. It is timely to request the inclusion in the record of relevant materials which may have weight when other issues relevant to this bankruptcy procedure are addressed.

Internet search of appropriate databases. Weatherly v. OptimumAsset Management, 928

3.

The information provided for inclusion in the record of this bankruptcy case is the result of

So.2d 118(La. App. 2005), and Dubois v. Butler, Case nos. 4d04-3559 and 4d04-3561(FL

Lorraine v. MarkelAm. Ins. Co.,

App, 2005), have provided validity to the use of information gathered from the internet. In
for admitting electronically stored information(ESI) into evidence.

241 F.R.D. 534 (D. Md. 2007) the court summarized the process

The information provided for inclusion in the record are what they purport to be and conform to that summary.

4.

This information is provided as evidence of material fact and has equivalent

circumstantial guarantees of trustworthiness. Exhibit "C" contains copies of mandatory filings required by Board of Governors of the Federal Reserve System and the Federal Financial Institutions Examination Council. The Consolidated Financial Statements for Bank Holding Companies- FR Y-9C for December 3 1 , 2008 filed by JP Morgan Chase & Co. and the Consolidated Reports of Condition and Income for A Bank With Domestic and Foreign Offices - FFIEC 03 1 for January 1 ,2008 -December 3 1 ,2008 are offered in their entirety as representative of the filings from which certain excerpts have been offered for inclusion in the record. In an effort to avoid overwhelming the Court with extraneous paper, Exhibit "D" contains excerpts from the exhibits in "D" and from equivalent filings from other dates.

5.

The authenticity of the transcript excerpts in Exhibit "A" are self evident and mimic

portions for documents Debtor has requested be entered into the record for appeals. The authenticity of Exhibit "B" JPMorgan Chase Bank, N.A. submission in support of Debtor's modified sixth amended joint plan (Docket #8 1 12) is also self evident.

6.

The article from WSJ online by Ellen E. Schultz in Exhibit "E" and the demonstratives

from that article are the online equivalent of a newspaper or periodical as are the headlines obtained from a Google search that goes to evidence of an organization's routine practice which may be admitted to prove that on a particular occasion the person or organization acted in accordance with the habit or routine practice. A copy is included in Exhibit "F". I believe the headlines are sufficient but the articles in full can be supplied if the Court desires.

Page 4

NOTICE Notice of this Motion shall be provided to: the U.S. Trustee; counsel for the Creditors' Committee; counsel for the Debtor; counsel for the Equity Committee; and parties entitled to receive notice in these Chapter 1 1 Cases pursuant to Rule 2002 of the Federal Rules of Bankruptcy Procedure. I submit that such notice is sufficient under the circumstances.

NO PRIOR REQUEST No previous request for the relief sought herein has been made to this or any other court. I reserve the ability to present further requests to this court for additional inclusion of information in the record as such information becomes available to me and is relevant to these proceedings.

WHEREFORE

other and further relief as the Bankruptcy Court may deem just and appropriate.

I respectfully request entry of the Proposed Order granting the relief requested herein and such

Dated: December 5th,201 1

William Duke, shareholder

Page 5

Exhibit

EXCERPTS FROM HEARING TRANSCRIPTS DECEMBER 2010

Trial Transcript: Pages/lines

TransPerfect Legal Solutions

12/02/2010

382/14-2,383/2-9 390/23-25.391/1-25 640/15-18

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S5 h i ll ion we went th rough a l ine - by - line analysis of that. and it is -- it has neell determined. at kast fllr WMI. that we don't own the $5 billion. We potentially had some claim" there but JI'M ha. to Illy k now ledge. probably liquidated those already. So. you kn(\w. we -- we have poten t ial claims there. Q. I'm sorry. Those have already been
trans fer r ed and have been li qu i dated by
JPMorgan?

take BOLl/COLI. f()r instance. The BOLIICOI.I

(). You have nol aertcd any l itigat i o n. every single nne of these assets as being owned by the estate! .__. __ >--- A. At some ruin! we did. lftIt let's

0. All of these on this board at'e disputld asst'ts. eorrect'.' A. I disagr\:\:.

facts are to my knowledge that arc Ilonprivileged.

think mv answers, again. have heen -- I haven't stated whcth we think we're going r to win or lose things. I have nOl revealed p ri v ilege . I have merely stated what the

on that but there was a lot of review and WMl t eum. counsel?

There was some certain legal input

anulysis completed by the A&M learn and the

Q.

That was an analysi5 cnnducted by

.. '.j.

MR. MASTANDO: Obietjon. your 1I0nor. (). In part by counsel you just suid? A, Counsel hud some input int o that . yes. MR. NELSON: Your Ilonor. we move to strike that prior answer as either
information and going beyon d the scope or opening the door t()r II reliance on counsci. given the Hlct that he just testified thaI his analysis wus in part due to counsel and that .JUrXiE WALRATH: lIe didn't tell you -Well. was your statement regarding revealing altomey-client privileged

counsel?
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the HOLl!COLI based on any

ad v ice

of

They were never undcr our control. You disputcd these assets and JPMorgan has liquidated them; is that rig ht';'

Q.
A.

A.

D
,/

; 7 8 9

have misspoken. I don't k now what J PMorgan has done wilh those. But those assets are not owned by WMI. Those assets were on the balance sheet of WMB. . .. .. - ---.-. Q. I he analVSIS thatwascollductcd on BOLIlCOLI thai you just relerenced and sa i d that you do not have ownership on. that was an analysis conducted by counsel. was it not? A. I think there was a fair amount of work that was done by the WMI employees as The analysis that the estate conducted with respect to BOLl/COLI that you just testified don't belong to the estate and belong to JPMorgan, that analysis WIIS conducted by your counsel? A. Our counsel participated in that analysis, yes. But it was also largely done with some of our WMf employees. our WMI ex rts and A&M ex rts, so it was -TransPerfec
well.

I don't know. I'm sorry. f may

THE WITESS: There would have to bt: some input from counsel. JUDGE WALRATIl: Well, then I am going to strike the testimony regarding MR. MASTANDO: Your Honor. I would ask that the questions be stricken as well because counsel is asking him. I think. things .. JUDGE WAI.RA I'll: I'm not going lu .. strike the qutstions. (). I.et me Iry again. sir. Every single one of these assets

the BOLl/COLI.

Q. Yes or no, sir.

estate has dispu ted as between j PMorgan and th(' (',1<11/'. l'Ofl'l'Ct"

( indica ting) is a disputed asset that the

MR. MASTANDO: Objection. your Honor. I believe this has been aked a nd answe red . JUOOE WALRATH: Yeah. I t hink il has been. MR. NELSON: Okay. Fair enough. vour I lnnllf. . I want to J() back to the first time

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just reading the i.'-Illail with you at this point. 0. Wi.'II. )Oll respond and you state it' ahout time the seniors figured this oul. Is that your position in Man:h 200t}? A. I don't know \\ hat else to tell VOLI. It's hard to et' \\hat the conte\t orthi e-mail was I\ithout knowledge of the greater dbcussiolls that l\t.'re going on. 0. Did you want a clean settlement in Man.:h of 200t}'! A. I wOllld have loved a settlement in March 20()9. hllt lIe -- we ubsequentl) put a teml sheet together and proposed it to JI'I'",' that was unfbrtunately rejected. 0. You say it's ahout time that the seniors ligured thi out. Ho\\ Ion!! had YOll thought that the he"t rt'Solution of the estate was a glnhal settlement with JPMorgan'.' A. I don't "no\\, <). Was it helore March of .20()t}? A. 10 plll Ihi" time frame in context. YOllr Iionor. when \\e -- when the bank was seized hy the --

'I

So it's l!<lrd to put this all in lOIl!C\1. So at Ihis point in time. you kl1o\\. as \\e're continuing to develop linancial inl(mnation. did we think a global settlement was the right thing 10 do at JI'M and tht FDIC! Ahsolulcly. It was the only \\a) that \\e were going 10 cleanly take care of this estate. There was claims. there \Ias counten.:/aims. There was vcT) ft'\\ things in this entire etate.1S Mr. Nelson has pllt up earlier. I think there's S9(){) million that \Ias Illldbputctl. Everything else is a fill:!. (). Repeettull). :oir. I'm going to movc III strikc as nonrcsp()nive. MR. :'\,1ASTA"1IX): Ohjt'cl. your Honor. JUIXiE WALRATI f: Overruled. 0, M) qUL'Stinll wa did you think OcltlfC March of 2009 Ihat it was about time that the eniors figured out the e-mail that we jllst 'illW on the prior page. :\, I -- I thin" that it stands on its own. I can't -- lhat was the c-mail I \\fote. I can't put it in conte... t fix you any more Ihan what you're shIm ing lIle.
'

W'hen the FDIC hecame the reeehcr and sold the bank. WMI had one employee and he \las an interim emplo)ee and he was soon to leave. The hank and the emplnyees and the financial records \Ient with the transaction. SoWMI had really - wc had to rebuildWMI. we had to rebuild thc financial statements, And a lot of the things that came over th e COlirse of these twn yea..., were developed a we went Occause we didn't have the historical amount of people to go. like most companies would. and say. "Where arc we'? What is our linancial position'? What is our -- what arc our rights III our asets'!" That was developed over lime. Occause \Ie had no employees to talk to about thaI. N(J\\. I\e subsequently went Ollt and hired I think we had mayhe 20 or 21 employees at the peak ofWMl that \Ie had to hire from people that lIsed to \\or" there or ome outside people. hut from the vcry beginning this was a veT) ditl1cull proce's to tT) to understand what rights. what / financial a;;scts. what liahilities we had.
--

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0. How long. how much prior hefbre March (If 20()9 did VOll think that the correct rcsolution of the csiate \\as a settlement? A. I don't "nO\I. 0. Was it the Ua) you were hired? A. I think the !.la' I was hired. as I c.\plained earlier. I ,;ould think wc were more \\orried lIbout jut tT)ing to sort out what WMI had. We had one cmf\loyec. The FDIC \\as there. A lot of pcople. JPM was starting to ta"e over the banking assets and there \\as one employee and onc conference room. (). So it wa.s not the day you were hired. 1\. I can I can a.<;slIre you it \vas not the day I lIas hired. Q. Was it a month after you werc hin..'tl? A, I \\ouldn't he able to put it in context fi.lf you. O. In other \\ords. alicr maYhe the first l'ouplc of wee'" \\hcn )OU were getting your Icet on the ground. so to speak. you can't lit in al1\ more recise context when
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arc

sOllle of the potential

values of the some of the asseb thai arc being t rans tc rn:d . cnrrec!'.'

Or'lIlC exhioit as \\e discussed )esterday. JL11)(j(-: WA L f{A IIf: Overruled. A. Can you repeal the question. Q. rhesc arc the values of some ofthe u!>sets thul ure being tmnsferred and or released under the proposed settlement.
.,
correct'! know. there arc certain of these values that
or o th er

limn and the !i)ulldatinn

MR. MASTANDO: Oojection to the

(mean ( think the initial work that \\as done Oil the asset allocation "ith respect to BOUCOI.I. when \\e got there \ve didn't haw a lot ()ro{)ok and records out we \\orked \\ ilh folks to g:lin access to hooks and records. We worked with \\ ithin the treasury lkpartment of Washin!,!ton the team who ovcrsa\\ the BOI.( COl. I program

() . Yes. /\. W dl . no.

Mutual. We received documentation from them

A.

Well. these arc \alues -- I dOll't

would prooubl) be misl c adin g. hilt I'm un: there arc certain vallle 'wallle that wOllld be on this page. I don't think this as fuir representation of a comparison.

There \\,t;; approximately 90 million of value on the hooks and records of WM / and ahout 5 billion on the books of WMB. We reviewed those. \\ie also - - w c addcd all the documents, submitted them to c ou llse L I he)
did an analysis as \\cll. but look at the infonnatioll. the support tor \\hat \\as on the books and records. an s \ \ cr. You rdied in part on nlltrlSel's advice to dct'mlille the ownership of
ascls

that would support the hooks and records.

we can

eertain l

().

Well. we'll get to that in a

econd. You would agree. ,lIld \\ e'll get to this lalcr. lilr now that WMRIC and a reorgani7cd WMI has ,1

Q. I think

ou just said thh; in )our

correct'.'

S5 billion

NOL.
t, j

of B()L I COL I.

And hy BOLl COLI. the ra hhi trust.

. ."

A. It could have a S5 billion NOI . And 1:1) NO!. )OU mean a tax sheller ()fS5 billion for future proti ts. correct'! A. Net operating loss carried fOf\\ard. sure.

O.

) (Ill understand it's part of the same type of <\nal)sb here: it's all !!fOuped together'.'

that a tax shelter lilr S5 billion. corrL'Cr.'

Q.

And in your deposition you call

A.

(don't know if (used those exact

words hut if that's what's in the deposition. I don't rememher e very \Hlrd in m) deposition. (). want. A. Okay. Well. we can check ifyoll

Q. B BOLl COLI -- well. let me re phms e again. Are rabhi trusts part or BOLl COLI asets'.' A. Some of the BOLl '(,OLI a re held
within raobi trusts. othcr secllritie ... that have been held

limn. JUl)(iE WAI.RATH: Slistained. Rephrase.

MR. \1ASTANDO: Objection to the

approximately $5 billion. corree!'.' A. That's corree\. '-O:- 1 he ari515'SI.;maT\a s jierlhnncd Itl \'

No. That's a fair statement. . -.------ Q. Okay. BOll COLI. the asets that ,Ire going to either J PM or gan or to \\'11.1/ arc

('here arc additional -

\\i thi n

.. c

the rabbi trust.

(). Oka). So they're ;.ort of-A little hi t. ) es

the) 're intenningled. the BOLl COL/ and the

mhh i Irust'.'
,.

d etermine what was ()\vned 1:1) JPMorgan and what \vas (mned by WI'v11 \\as d01l1.' 011 reliance of

'

of determining ownership. valuation and value of BOLl COLI and the mbbi trusts. ) ou relied in part on counsel. cor re ct? A. Well. for thc p ur poses o!''walue you'd be looking at the cash surrender value

Q.

A.

()ka). With respeetlO the (Issets

counsel. correct'?

A. Are )OU talking aoout with respect

to BOLlCOLl'!

MR. MASTANDO: O iect tllthe limn.

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Trial Transcript: Pages/lines

VERITEXT REPORTING COMPANY 12/07/2010 278/14-17

WASIIINGTON

MUTUAL. INC'.. ET AL.

Page 278

18 claim.
respect Jarvis

There

is a lawsuit pending with respect

They have not filed -I

to

that with

2 3 4 5
6
7

to some people. in April said

believe Mr. But of

that they were subject to the MD. of that,

course they

are not they that,

part

Your Honor;

they are merely We will next week. I

here because take care of

filed Your

a claim against Honor, when we

the estate.

get

together

But one say the

last

poir:t,

Your

Honol',

and

I apologize if
five

name wrong,

Ms.

SlaLko,

Lhe

references to the Your Honor, that

9 10 11
12 13

billion dollars acything would

r:ot

and the BOLI/COl,

is noL I

that

is consistent with the Court the

the record of

this case and

just sk

to consider that as her argument and the testimony.

certalnly

facts as we heaI'd

I believe

that. Mr. THE transferred? MR. THE MR. Strauss, ROSEN: COURT: HODARA: No, Your Honor. COURT: Has the BOLl/COLI insurance been

14 15
16 17 18

Okay. You]:' Honor, Fred Hodara, Akin, Gump,

19 20 21 22
23

Hauer

& Feld for the official committee of unsecured

creditors. I'll Steinberg with comments to exception in respond t o two points respect to that were made by Mr. keep y the

post-petitIon interest and Mr.

that..

First, the

Steinberg made the point t.hat 510, Mr.

24 25

726(a), just

proviso referencing And accordingly,

reters to all St.einberg

of 510 and nOL

510lbl,

VERITEXT REPORTING COMPANY

212-267-6H6H

www.veritcxt.com

516-608-2400

EXHIBIT

COPY OF JPMORGAN SUBMISSION IN SUPPORT DOCKET # 8 1 12

IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF DELAWARE

Inre:
WASHINGTON MUlUAL, INC., et aI.,l Debtors.

11 Case No. 08-12229 (MFW)

Chapter Jointly Administered
Ref. No. 6696

SUBMISSION OF JPMORGAN CHASE BANK, N.A. IN SUPPORT OF CONFIRMATION OF THE DEBTORS' MODIFIED SIXTH AMENDED JOINT PLAN JPMorgan Chase Bank, N.A. ("JPMC") submits this statement in support of confirmation of the Modified Sixth Amended Joint Plan Pursuant to Chapter 11 of the United States Bankruptcy Code (the "Plan") of affiliated debtors Washington Mutual, Inc.

("WMI") and

WMI Investment Corp. (collectively, the "Debtors, ).

A.

, 2

This Court Held the Global Settlement Reasonable and it Should be Approved.

1.

The foundation of the Plan remains the comprehensive, integrated

settlement that enabled the Debtors to seek confirmation of a plan that provides over value contributed by JPMC for the benefit of the estates' creditors.

$7 billion in

The economic terms and

structure of that truly "global" settlement were approved by this Court in its opinion, dated January 7,

2011 (the "Opinion"), that ultimately denied confirmation of the Sixth Amended Joint
Despite vocif erous protests from objectors, including the Official

Plan (the "Original Plan").

The Debtors in these chapter 11 cases and the last four digits of each Debtor's federal tax identification numbers are: (a) Washington Mutual, Inc. (3725); and (b) WMI Investment Corp. (5395). The Debtors' principal offices are located at 925 Fourth Avenue, Suite 2500, Seattle, Washington 98104.

This submission addresses only certain issues and arguments raised by Plan objectors and does not constitute acceptance or agreement with any other objection. These and other objections are separately addressed by the Debtors in their responses and JPMC expressly reserves its rights to respond to all interposed objections at the Plan confinnation hearing.

{683.00I-WOOISSI7.}

111111111111111111111111111111111111111111111111111
0812229110708000000000013

Committee of Equity Security Holders (the "Equity Committee") and the TPS Consortium, this Court concluded after comprehensive review of the terms of the agreement that the "Global Settlement is fair and reasonable." (Opinion at 2.) These findings are law of the case and the Second Amended and Restated Settlement Agreement, dated February 7, 2011, as amended (the "Global Settlement") should now be approved.3 2. This Court has not waivered since issuing its January Opinion in affirming

that "with respect to those items that I did decide, they're not going to be re-litigated." (Jan. 20,

2011 Hearing Transcript at 51:22-24.)

This fact has been acknowledged by the Equity

Committee, whose counsel has stated on the record that "[t]he terms of the settlement are fixed. The Court has issued an order approving those terms as fair and reasonable." (Feb. 8, 2011 Hearing Transcript at 87:3-5.) The Equity Committee notes in its Plan Objection (O.I. 8073, the "Equity Committee Objection") that it "has promised not to relitigate" whether the Global Settlement is fair and reasonable. (Equity Committee Objection at' 93.)4

3
4

The economic terms of the Global Settlement remain constant although the agreement was modified consistent with the Court's Opinion.

Of course, the Equity Committee and the TPS Consortium could not resist including in their objections a misguided invitation to reconsider the Global Settlement based on the D.C. Circuit's decision in the ANICO litigation. (Equity Committee Objection at n 93-94; TPS Supplemental Objection, DJ. 8100, at 1( 35.) That decision does not impact the reasonableness of the Global Settlement at all. First, this Court's determination that the Global Settlement was fair and reasonable was not premised on the FIRREA jurisdictional bar. Moreover, this Court's Opinion did not give credence to the merits of the business tort allegations and noted that any claim for damages would require the Debtors to take positions inconsistent with their other claims. (Opinion at 56.) In fact, not a shred of evidence was offered at the confirmation hearing on the Original Plan that the business tort claims possess any merit. Second, the question of the applicabiJity of the FIRREA jurisdictionaJ bar in this case is unresolved as JPMC's appeals of this Court's FIRREA decisions remain pending and would ultimately be decided in this circuit by a different Court of Appeals. Regardless, while holding that claims related to purported acts of JPMC need not be submitted to the FDIC receivership claims process the D.C. Circuit was equally clear that claims such as those asserted by WMI in this Court-such as the counterclaim in the JPMC Adversary Proceeding attacking the Purchase & Assumption Agreement itself-can proceed only in the D.C. District Court pursuant to the FIRREA process. See Am. Nat'l Ins. Co. v. Fed Deposit Ins. Co., No. 10-5245, 2011 WL 2506043, at *6 (D.C. Cir. June 24,2011) ("Where a claim isfimctionally, albeit notformally, against a depository institution for which the FDIC is receiver, it is a 'claim' within the meaning of FIRREA's administrative claim process.") (emphasis in original). Third, the ANICO case itself
{683.001-WOOlSS17.} -2-

3.
-,(

Notwithstanding

the

Court's
-,'

clear

directive,

Aurelius

Capital

Management, LP ("Aurelius")-one of the soled "Settlement Noteholders" who has been a subject of the insider trading inquiry ordered by the Court-has withdra wn its support for the Plan and invites this Court to revisit the reasomibleness of the Global Settlement. The

reasonableness of the Global Settlement is not at issue before this Court and Aurelius' arguments must be rejected. Aurelius brazenly asserts that the Global Settlement should not be approved unless JPMC provides additional value to offset the cost of delay caused by the Court's direction

to investigate Aurelius and the other Settlement Noteholders. (Aurelius Objection, D.I. 7951, at
1m 3, 5.) JPMC has not caused any delay.
In

fact. JPMC has continuously been ready to

was

consummate the Global Settlement through a confirmed Plan since the Global Settlement

first executed in May 2010. Since that time, JPMC has supported both the Original Plan and this

modified Plan, and the efforts of the Debtors and the Official Committee of Unsecured Creditors to obtain approval of those Plans so that distributions can be made to creditors. Having reached a comprehensive, complex, and integrated agreement to resolve disputes involving billions of dollars of claims and assets, JPMC has been a mere bystander since the Court's January Opinion as various intercreditor (and equity holder) disputes have unfolded and played out before this Court. The Court has a number of important issues to consider at the Plan confinnation hearing; the reasonableness of the Global Settlement is not one of them
4.
In

the event the Court is inclined to consider Aurelius' argument (it should

not), the objection must still be denied. Nothing since January has caused the Global Settlement to become any less fair or reasonable.
In

the Opinion, the Court explained that it "does not have

to be convinced that the settlement is the best possible compromise" but only that it "be above
is irrelevant because all claims with respect to bonds and securities of WMI remain dismissed with . prejUdice.

{683.001-WOOlSS17.}

-3-

the lowest point in the range of reasonableness." (Opinion at 17, citing In re Coram Healthcare

Corp.,

315

B.R.

321, 330

(Bankr. D. Del.

2004).)

Whatever incremental costs have been

necessitated by the Court-ordered insider trading investigation did not cause the tenns of the Global Settlement to fall below the lowest point in the range of reasonableness.

5.

JPMC retains the same litigation positions that it had when the Court

concluded in its January Opinion that the "Global Settlement provides a reasonable return in light of the possible results of the litigation." (Opinion at

60.)

JPMC still possesses every legal

the

and factual argument it had when the Court first considered

terms of

the agreement and,

absent the Global Settlement, JPMC would prevail as a matter of law on virtually all competing claims to the most valuable asset categories in dispute. Moreover, as the Debtors' Chief

Restructuring Officer testified at the confirmation hearing on the Original Plan, absent a settlement, litigation of the parties' numerous and complex claims and defenses will take three to four years at minimum, with continued accrual of post-petition interest and professional expenses throughout that period. (Declaration of William C. Kosturos, dated Nov.

23, 2010,

D.I. 6083, at, 30/

6.

Aurelius' objection complains-for the first time by any party in

connection with confirmation of either this Plan or the Original Plan-about the rate of interest accruing on the disputed funds credited to accounts in WMJ's name now held at JPMC. (Aurelius Objection at, 7.) But Aurelius of course ignores the fact that the interest rate to be paid on those funds was a negotiated term contained in Section

2.2 of the Global Settlement and

The Equity Committee's suggestion that JPMC's willingness to settle claims to the funds credited to the disputed accounts as part of a global settlement proposal signals a weakness in JPMC's perception of its claims to those funds is wrong. (See Equity Committee Objection at , 20.) It is axiomatic that a proposal to settle $25 billion worth of disputed assets and liabilities would require JPMC to give up substantial claims and that any settlement proposal is without prejudice to JPMC's litigation positions.

{683.001-WOOlSS17.}

therefore is but one part of a complex, fully integrated settlement and cannot be viewed (or changed) in isolation. Moreover, while Aurelius attempts to frame the delays in the effective date of the Global Settlement as a benefit to JPMC, the reality is that JPMC continues to suffer substantial harm by these delays. For example, JPMC agreed to assume the WaMu Pension Plan pursuant to the Global Settlement but continues to have no control over that plan's assets. Similarly, JPMC continues to have no control over the BOLI/COLI assets more than a year after the Global Settlement resolved the disputes with respect to those assets. Most significantly, JPMC remains without access to its portion of the tax refunds that remain in escrow pending the effective date of the Global Settlement and also without the ability to utilize the assets collateralizing the Trust Preferred Securities. Together, these represent billions of dollars in assets owned by JPMC that remain tied up and unavailable pending confirmation of the Plan and consummation of the Global Settlement. Aurelius cannot credibly believe that JPMC should increase its negotiated contribution through the Global Settlement because of a delay caused by the actions of others, including Aurelius itself.
7-.

This Court determined that the Global Settlement was fair and reasonable

for all creditors in January and it remains so today. Therefore, the Global Settlement should be approved as part of confirmation of the Plan.
B. The Essential Third Party ReJeases Contained in the Modified Plan Comply With This Court's Order and Should be Approved. 8. The Plan

provides for releases

of claims against JPMC and its affiliates by

third parties who vote in favor of the Plan and do not opt out of the release (or, as with Class 19, previously opted in to the third party release). The Plan also requires that any creditor receiving
a

distribution grant the third party release. (See Plan 43.6.) These releases have been modified

from the Original Plan to comply with standards detailed in the Court's Opinion. The releases,
-5-

{683.001-WOOlSSI1.}

moreover, satisfy Third Circuit standards for approval because they are an essential component of the integrated Global Settlement, critical to implementation of the Plan and provided in exchange for substantial value. After all, JPMC is contributing through the Global Settlement virtually every dollar comprising the more than $7 billion that will be available for prompt distribution to creditors pursuant to the Plan. JPMC is therefore reasonable in requiring a release from any creditor receiving a distribution of that value.

9.

The Court expressly held that third party releases are effective if the

creditor "affirmatively consent[s] to it by voting in favor of the Plan and not opting out ...." (Opinion at 84.) Furthermore, the Court rejected any argument that conditioning a distribution on granting a third party release is improper. (See Opinion at 85-86.) That is because courts routinely have held that a vote in favor of a plan containing third party releases binds those creditors. See e.g., In re Coram Healthcare Corp., 315 B.R. 321, 336 (Bankr. D.Del. 2004) ("[T]o the extent creditors or shareholders voted in favor of [the Plan], which provides for the release of claims they may have against the Noteholders, they are bound by that."); In re Exide

Teem., 303 B.R. 48, 74 (Bankr. D. Del. 2003) (where a release is "consensual, there is no need
to consider the Zenith factors"); In re Zenith Elees. Corp., 241 B.R. 92, 111 (Bankr. D.Del.

1999) (approving release of "claims of any creditor who actually voted in favor of the Plan"); In re Adelphia Comme'ns Corp.,368 B.R. 140,268 (Bankr. S.D.N.Y.2007). 10.
There is no Global Settlement, and therefore no Plan and no value to

distribute to creditors without the third party releases, as Mr. Goulding, WMJ's Treasurer, testified at the confirmation hearing on the Original Plan. In an exchange with JPMC's counsel,
Mr.

Goulding confinned:

{683.001-WOOI5517.}

-6-

Q: So no releases, no settlement agreemen4 no value? A: Right. (Transcript of Confirmation Hearing, dated December 3, 2011, at 767:6-8.) The
.

Court ..are

recognized the importance of the Plan releases when it stated that ''releases of JPMC

necessary to the Debtors' reorganization and confirmation of the [Original] Plan." (Opinion at 65.) Similarly, the third party releases contained in the Plan should be approved now that they are structured as consensual releases pursuant to this Court's directive. 11. The Equity Committee's argument that the third party releases are

coercive and therefore violate 11 U. S.C. 1129(a}(7} is a straw man. The fact remains that without JPMC's agreement to terms of the Global Settlement-a settlement that includes JPMC receiving third party releases-the Debtors would have minimal assets available for immediate distribution and, as the Court noted in its Opinion, would face an additional $54 billion in claims.

(See Opinion at 95-96.) Any equity holder (or any other creditor) that wishes to retain its claims
against JPMC or any other third party had the right to do so by opting out of the third party release and foregoing a distribution. Furthermore, the Plan provides that no third party releases are granted absent a vote,
so

a creditor who did not return a ballot retains all of its third party

claims unless and until it chooses to grant a release and receive a distribution funded by JPMC. The third party releases should be approved.
C. The Plan's Treatment of Class 19 is Appropriate.

12.

The TP S

Consortium's objection that the Plan discriminates among

creditors in Class 19 of the Plan is without merit. As an initial matter, the Court already decided this issue in its January Opinion and should not reconsider the TPS Consortium's arguments here. This Court previously rejected arguments of discrimination with respect to Class 19

because "[t]o the extent the REIT Holders are receiving anything more than other preferred
{683.001-WOO15517.}

-7-

shareholders, they are receiving it directly from JPMC in exchange for releases." (Opinion at

13.

In any event, the Plan deems Class 19 to have rejected it. Under the terms

of the Original Plan, JPMC provided the opportunity for creditors in Class 19 to receive a distribution from JPMC in exchange for foregoing litigation and granting the third party releases contained in Section 43.6. The release election for Class 19 was an opt-in; some creditors

accepted JPMC's offer but most did not, including the members of the TPS Consortium. The TPS Consortium instead chose to roll the dice and litigate ownership of the Trust Preferred Securities at great expense and risk to JPMC. They lost. Now, they have the audacity to argue discrimination because they were not provided a second opportunity to receive a settlement payment from JPMC after litigating the issue to conclusion and losing. The Court must reject this baseless objection.

14.

JPMC had no interest in offering additional settlement payments to

was

members of Class 19 once it

forced to litigate the question of ownership of the Trust

Preferred Securities (and, in fact, had no obligation to include any supplemental distribution in the modified Plan). Although the Original Plan was not confirmed, JPMC voluntarily agreed to nonetheless honor the elections from the Original Plan and to provide the settlement distribution to those Class 19 creditors who agreed to release JPMC in good faith and forego litigation. The
6
The Court recognized this at the hearing approving the disclosure statement for the Plan, where in response to this precise argument by the TPS Consortium, Your Honor had the following exchange with counsel for the TPS Consortium:

THE COURT: Well, but didn't I decide already that a class can have, this class, specifically, get two different distributions depending on whether they have opted in? MR. COFFEY: You absolutely did, Your Honor. THE COURT: So why are we re-litigating this?
(Mar. 21,2001 Hearing Transcript at 76:9-13.)

can

{683.001-WOO15517.}

-8-

TPS Consortium's arguments should be re jected so that those creditors who agreed to forego litigation can receive the supplemental value from JPMC. In the event that the Court agrees with the TPS Consortium that the Plan cannot be confirmed without re-solicitation of Class 1 9, JPMC will remove the supplemental settlement payments from the Plan altogether. D. '

This Court is Not Divested of Jurisdiction to Consider Plan Provisions Relating'to Trust Preferred Securities. IS. The TPS Consortium asserts that this Court is somehow prohibited by the

judge-made "divestiture rule" from considering any provision in the Plan that concerns the hybrid securities referred to as the Trust Pref erred Securities. This argument is baseless and is nothing more than the latest attempt by the TPS Consortium to derail the Plan and Global Settlement while holding hostage all parties in interest to these bankruptcy proceedings. argument should be rejected. 16. First and f oremost, the TPS Consortium will retain whatever rights it has The

with respect to appeal should this Court determine to confirm the Plan. The TPS Consortium would be free to pursue an appeal of the confirmation order. If the TPS Consortium is concerned about the effect of implementation of the Plan, it is free to seek a stay pending appeal of the confirmation order. As the Third Circuit has made clear, it is incumbent on the appellant to seek a stay to preserve the status quo.

See Nordhoff Invests., Inc.

v.

Zenith Elecs. Corp. ,

we

258 F.3d have held

1 80, 1 86-87 (3d Cir. 200 I) ("Because of the nature of bankruptcy confirmations,

that it is obligatory upon appellant to pursue with diligence all available remedies to obtain a stay

Like the Equity Committee, the TPS Consortium's arguments with respect to distributions from the Debtors' estates are misguided. (See TPS Consortium Objection, D.I. 7480, at " 57-59.) The members of the TPS Consortium chose not to grant the third party release contained in the Original Plan (and are similarly found in the modified Plan) and instead retain direct claims they might have against JPMC. The members of the TPS Consortium are treated the same as all other creditors under the Plan: the third party release must be granted in order to receive an estate distribution funded by JPMC.
{683.001.WOOtSS17.}

-9-

of execution of the objectionable order . . . . ") ;

see also In re Chateaugay Corp. ,

988 F.2d 322,

326 (2d Cir. 1 993) ("The party who appeals without seeking to avail himself of that [stay] ,, 8 protection does so at his own risk. ). Instead, the TPS Consortium is asking the Court

to

eff ectively grant a pre-emptive stay that would preclude consideration of any Plan including the Trust Preferred Securities (that this Court held the TPS Consortium has no rights to). Moreover, if the Court were to adopt the TPS Consortium's novel interpretation of the divestiture rule there would be no need for a plaintiff to seek a stay during appeal because no court would be able to enforce that judgment through a plan of reorganization, indefinitely delaying emergence from chapter 1 1 in the process. In these circumstances, and in light of the TPS Consortium's failure to seek a stay of the TPS Order, applying the divestiture rule in the manner suggested by the TPS Consortium would be particularly inequitable and damaging to the underlying bankruptcy case. 1 7. The indefinite hold up of these chapter 1 1 proceedings would be

especially egregious in this case where the TPS Consortium waited almost two years after the Conditional Exchange occurred and was announced to commence the TPS Adversary Proceeding.
If the members of the TPS Consortium had any legitimate challenge to the

Conditional Exchange they could have brought a timely claim and the matter would have been ad judicated long ago. Instead, the TPS Consortium created any timing issue by waiting until two months after the Global Settlement was announced to file its complaint in an obvious attempt to hold up these proceedings. rejected. Their objection to the Plan is more of the same and should be

It is telling that the TPS Consortium never sought a stay to prevent enf orcement of this Court's order (the "TPS Order") granting summary judgment to the def endants in Black Horse Capital L.P. v. J PMorgan Chase Bank, N.A., Adv. Pro. No. 1 0-5 1387 (MFW), DJ. 1 80. (the ''TPS Adversary Proceeding.")

{683.001.WOOlSS17.}

- 1 0-

1 8.

Second, as the TPS Consortium acknowledges in its objection (at , 1 4),

this Court retains the right to enforce the order granting the defendants summary judgment in the TPS Adversary Proceeding. Notwithstanding the judge-made divestiture rule founded on

prudential considerations, lower courts-including bankruptcy courts-retain jurisdiction to "enforce, implement, or otherwise treat as valid" appealed orders as long as the bankruptcy court does not "disturb the issues on appeal." Georgine v. Amchem Prods., Inc. , No. 93-cv-021 5, 1 995
WL 56 1297, *7 (E.D. Pa. Sept. 1 8, 1 995).

The TPS Consortium distorts the concept of

disturbing the issues on appeal. This is not a matter of mootness or preserving the status quo (like a stay would do) but rather of ensuring that the lower court does not modify or vacate the appealed order itself. As the court in In re Mazzocone explained, the bankruptcy court "lacks jurisdiction to vacate or modify an order which is the subject of a pending appeal" or to "reconsider" an issue but retains jurisdiction to "enforce, implement or otherwise treat as valid" the order subject of the pending appeal. In re Mazzocone, No. 94-5201 , 1 995 WL 1 1 3 1 1 0, *4 (E.D. Pa. Mar. 16, 1995). This distinction is important because '[a]dopting a broader divestiture of jurisdiction rule in the bankruptcy context would severely hamper the bankruptcy court's ability to administer its cases in a timely manner." Id. (quotation omitted). Moreover, "[a]s a prudential doctrine, the [divestiture] rule should not be applied when to do so would defeat its purpose of achieving judicial economy." Mary A nn Pensie Inc. v. Lingle, 847 F.2d 90, 97 (3d ro, Cir. 1 988). Here, consideration of the Debtors' Plan is of paramount importance to all creditors of the Debtors' estates. 1 9.
In

a separate opinion dated January 7, 20 1 1 , the Court granted summary

judgment for the defendants in (the "TPS Opinion"). In reaching its conclusion, this Court detennined that "[u]nder the express terms of the applicable Agreements, the Conditional

{683.001-WOO15517.}

-1 1-

Exchange occurred automatically once the OTS declared that an Exchange Event had occurred and directed that the Conditional Exchange occur." (TPS Opinion at 1 1 , emphasis in original.) The Court went on to reject the arguments proffered by the TPS Consortium that certain ministerial steps contained in the operative agreements were instead conditions precedent to the Conditional Exchange. (TPS Opinion at 1 2.) Therefore, "under the express language of the Trust Agreements and the Exchange Agreements, the Court conclude[d] that the certificates held by the TPS holders are no longer TPS but are deemed to be Depositary Shares tied to
WMI

Preferred Shares." (TPS Opinion at 1 3.) In other words, this Court concluded that the members of the TPS Consortium hold WMI preferred shares and not Trust Preferred Securities. The Plan simply implements that order. The Plan provides for treatment of those securities as WMI preferred shares. The Plan further resolves the dispute between JPMC and

WMI with respect to

the Trust Preferred Securities, but contrary to the TPS Consortium's statements otherwise, there was never a dispute between JPMC and

WMI as to whether the Conditional Exchange itself

occurred; it did. Rather, the Plan resolves the dispute as to what happened to the Trust Preferred Securities a er the Conditional Exchange and confirms that JPMC will be the sole legal owner ft of the Trust Preferred Securities on the Effective Date of the Global Settlement 20. The cases cited by the TPS Consortium are consistent with this Court The TPS

having the ability to enforce the TPS Order through confirmation of the Plan.

Consortium relies on a readily distinguishable non-controlling First Circuit case, In re

Whis pering Pines Estates, Inc. , in support of its divestiture argument There, the court was not
being asked to enforce an order, as is being done here through the Plan, but rather grant relief from the automatic stay to permit the sale of property that would effectively modify the order on appeal. In re Whis pering Pines Estates, Inc. , 369 B.R. 752, 761 (B.A.P l st Cir. 2007.) Here, no

{683.001-WOOI SS17.}

-12-

modification of the TPS Opinion is requested; rather implementation of that order is requested through the Plan. Similarly, none of the TPS Consortium's other cases involved a situation

where the Court was being told it lacked jurisdiction to enf orce an order through consideration of a debtor's plan. Rather the other cases cited by the TPS Consortium involved arguments where the lower court was being asked to take action that would modify the interlocutory orders on appeal.

See, e.g., In re Trimble,

Adv. Pro. No. 07-2 1 1 5, 2008 WL 7825 8 1 , *4 (Bankr. D. N.J.

Mar. 1 8, 2008) (staying proceedings until motion f leave to pursue interlocutory appeal of or denial of motion to dismiss pending arbitration is heard).

In fact, the court in In re Urban

Development Limited, Inc.

Section

permitted a debtor to proceed with a sale of property pursuant to

363 of the Bankruptcy Code despite that property being the subject of an appeal. In re
B.R. 74 1 , 744-45 (Bankr. M.D. Fla. 1 984)
.

Urban Dev. Ltd, Inc. , 42

21 .

The reading of the divestiture rule suggested by the TPS Consortium

would improperly expand its scope, eliminate the need to ever seek a stay pending appeal, and most importantly. would prevent a bankruptcy court from confirming a plan of reorganization if that plan requires the enforcement of a different order that is separately on appeal. This would undermine the bankruptcy process. This Court retains jurisdiction to consider confirmation of the Plan and to enforce the TPS Order through the confirmation order. The TPS Consortium's objection should be overruled.
9

JPMC and WMI opposed the TPS Consortium's appeal of the TPS Order, in part, as procedurally improper because Counts Vll-IX of the complaint were voluntarily dismissed without prejudice and therefore the appealed order is non-final. To the extent the TPS Consortium's appeal is improper, this Court cannot be divested under jurisdiction under any circumstances. See, e.g., Sea Star Line LLC v. Emerald Equip. Leasing. Inc., No. 05-245, 2009 WL 3805569, *3 (D. Del. Nov. 12, 2009) (stating that an improper appeal does not have the effect of divesting the lower court ofjurisdiction). Furthermore, this Court is well aware of the "frivolity exception" to the divestiture rule. See U.S. v. Leppo, 634 F.2d 101, 1 05 (3d Cir. 1980) (holding that an appeal does not divest a lower court of jurisdiction if that court has found the appeal to be frivolous). The TPS Consortium's appeal falls within that exception when considering the plain language of the operative documents.
- 1 3-

{683.001.WOOlSSI7.}

E.

This Court Has Subject Matter Jurisdiction to Consider the Global Settlement. 22.

Last evening, mere days before the Plan confirmation hearing, the TPS

Consortium filed a supplemental objection to the Plan (D.I. 8 1 00) asserting a new argument that the U.S. Supreme Court decision in

Stern

v.

Marshall,

No. 1 0- 1 79, 20 1 1 WL 2472792 (U.S.

June 23, 201 1 ), prevents this Court from considering and approving the Global Settlement. JPMC has only had a brief opportunity to review this argument but
can

nonetheless conclude-

as this Court should conclude-that the argument is meritless. The Supreme Court in

Stern

was

clear that it was deciding a "narrow" question with respect to a bankruptcy court's jurisdiction to finally adjudicate the merits of a debtor' s state law counterclaim. *26. The

Stern,

201 1 WL 2472792 at

Stern

decision in no way suggests that this Court lacks jurisdiction to approve a

settlement that includes a debtor's voluntary discharge of various claims to achieve a fair and reasonable settlement.

Here, the Global Settlement does just that and provides more than
The effect of the TPS

$7 billion to be distributed to creditors of the Debtors' estates.

Consortium's argument would be that no bankruptcy court could ever permit a debtor to grant a general release to a non-debtor as part of a settlement or a plan. This would imperil the

bankruptcy process and is not what is intended by the Supreme Court' s opinion in which the ma jority wrote that the decision "does not change all that much."

Id

As this Court noted in its

January Opinion, approval of the Global Settlement and confirmation of the Debtors' Plan are core matters. conf ed. lIlll (Opinion at 1 1 .) The Global Settlement should be approved and the Plan

{68J.OOI-WOOISSI7.}

- 14-

RESERVATION OF RIGHTS 23. JPMC reserves the right to supplement this submission
or

otherwise reply,

by written submission or argument at any hearing, including but not limited to the confirmation hearing, to objections or statements filed or made in connection with confirmation of the Plan. JPMC does not waive any of its rights, at law or in equity, by submitting this response, reply, or statement in connection with confirmation of the Plan. Dated: July 8, 20 1 1 Wilmington, Delaware A G. Landis (No. 3407) Matthew B. McGuire (No. 4366) 9 1 9 Market Street Suite 1 800 Wilmington, Delaware 1 9801 Telephone: (302) 467-4400 Facsimile: (302) 467-4450 - and Stacey R. Friedman Brent J. McIntosh Brian D. Glueckstein SULLIVAN & CROMWELL LLP 1 25 Broad Street New York, New York 1 0004 Telephone: (21 2) 558-4000 Facsimile: (2 1 2) 558-3588 Robert A. Sacks
or

any other

Counsel f JPMorgan Chase Bank, N.A. or

{683.001-WOOl 55 17.}

- 1 5-

EXHIBIT

COPIES OF MANDATORY FINANCIAL FILINGS IN FULL

:ederal Financial Institutions Examination Council

Board of Governors 01 the fedeTal Reserve System OMB Number: 7100-0036 Federal DeposIt InSuran<:e Corpora\Jon OMS Number: 3064-0052 OffICe of the Comptrc>1er 01 the Currency OMS Number: 1557-0081 Expires May 31, 2009

Please refer

to page i,

Table 01 Contents, for the reqUIred disclosure of estimated burden,

:onsolidated Reports of Condition and Income for , Ba nk With Domestic a nd Foreign Offices-FFIEC 031
.eport at the close of Business December 31, 2008
his report is required by law: 1 2 U.s.c. 324 (State lember banks); 12 U.S.c. 1817 (State nonmember banks); nd 12 U.s.c. 16 1 (National banks).

(20081231)
(RCON 9999)
This report form is to be filed by banks with branches and con solidated subsidiaries in U.s. terrirories and possessions, Edge Dr Agreement subsidiaries, foreign branches, consolidated foreign subsidiaries, or Intemational Banking Facilities.

IOTE: Each bank's board of directors and senior management are :!Sponsible for establishing and maintaining an effective system of lternal control, including controls over the Reports of Condition and 1come. The Reports of Condition and Income are to be prepared
1

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (induding the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

accordance with the Federal regulatory authority instructions.

he Reports of Condition and Income must be Signed by the Chief inancial Officer (CFO) of the reporting bank (or by the individual erforming an equivalent function) and attested to by not less than
NO

directors (trustees) for State nonmember banks and three

'irectors for State member and National banks.

, the undersigned CFO (or equivalent) of the named bank, attest hat the Reports of Condition and Income (including the supporting chedules) for this report date have been prepared in conformance ith the instructions issued by the appropriate Federal regulatory ,uthority lief. and orrect t the best of my knowledge and

Director (Trustee)

gnature of Chief Financial Offic r (or Equivalent) late of Signature

2.\4\04

iubmission of Reports
:ach bank must file its Reports of Condition and Income (Call Report) lata by either: a) Using computer software to prepare its Call Report and then submitting the report data directly to the FFJEC's Central Data Repository (CDR), an Internet-based system for data collection (https:l/cdr.ffiec.gov/cdr/), or b) Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR. :or technical assistance with submiSSions to the CDR, please contact The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIECs sample report forms, but should show at least the caption of each Call Report item and the reported amount. To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

.he CDR Help Desk by telephone at (888) CDR-3 U 1, by fax at (301)

195-7864, or by e-mail at CDR.Help@ffiec.gov.

JPMorgan Chase Bank, National Association

Legal Title of Bank (RSSD 9017)

Columbus
FDIC Certificate Number

(RSSD 9050)

00628

OH State Abbrell_ (RSSD 9200)

Oty (RSSD 9130)

43240 Zip Code (RSSD 9220)

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency

FFlEC 031

Consolidated Reports of Condition and Income for

A

page i
2

Bank With Domestic and Foreign Offices

Table of Contents Signature Page Contact Infonnation . Report of Income

Schedule RI - Income Statement
______

Cover
_ _ _ _ _ _ _ _ _ _ _ _ _

Schedule RC-B - Securities

_______

RC-3, 4, 5, 6

ii, iii

RI-1, 2, 3 RI-4

Schedule RC-C - Loans and Lease Anandng Receivables: Part 1. Loans and Leases Part II. Loans to Small Businesses and Small Fanns (to be completed for the June report only) Schedule RC-D - Trading Assets and Liabilities (to be completed only by selected banks) Schedule RC-E - Deposit liabilities

______

RC-7, B; 9, 10

_______

RC-1Qa, lOb

Schedule RI-A - Changes in Equity capital.

_______

_______

RC-ll, 12, 13 RC-14, 15 RC-16 RC-16

Schedule RI-B - Charge-offs and Recoveries on loans and Leases and Changes in Allowance for Loan and Lease Losses Schedule RI-D - Income from foreign Offices Schedule RI-E - Explanations

_______

______

RI-4, 5, 6 RI-6

Schedule RC-f - other Assets

-

______

______

Schedule RC-G Other Uabilltles

_______

______

RI-7, 8

Report of COndition
Schedule RC - Balance Sheet ______ RC-l, 2

Schedule RC-H - Selected Balance Sheet Items for Domestic Offices

______

RC-17

Schedule RC-l - Assets and Liabilities of IBFs_ , _ _ _ _ _ _ _ _ _ RC-17

Schedule RC-A - cash and Balances Due From Depository Institutions

Disclosure of EstImated Burden

Schedule RC-K - Quarteriy Averages RC-3

______

RC-18

______

Schedule RC-L - DerIvatives and Off-Balance Sheet Items Schedule RC-M - Memoranda

_____

RC-19, 20 RC-21, 22

The estimated average IIurden aS1iOdated WIth this intonnation alIIedIon is the time for reviewing instructions, gathering and maintaining data In the

_ _ _ _ _ _ _ _ _ _

response. depending on individual drtlJlllStlnces. Burden estimates Include l

40.5 hours per respondent and is estimated to vary from 16 to 635 hours per

Schedule RC-N - Past Due and Nonacaual Loans, Leases, and Other Assets

_______

__

RC-23, 24, 25

required form, and completing the information collection. but exdude the

time for compiling and maintaining business records In the normal oourse of a respondent's activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to a coIltdion of InfOl1l1t1tion, unless It displays a currently valid OMB control number. Comments concerning the IICCUrIICY of this burden estimate and suggestions

Schedule RC-o - Other Data for Deposit Insurance and ACO Assesments s Schedule RC-P-l-4 Family Residential Mortgage Banking Activities In DomesUc OffIces (to be completed only by selected banks) Schedule RC-Q-Finandal Assets and liabilities Measured at Fair Value (to be completed only by selected banks) Schedule RC-R - Regulatory Cilpital

______

RC-2S, 26

for redUdng this burden should be directed to the Office of Information and Regulatory Affairs, Offlc;e of Management and Budget, Washington. D.C. 20503, and to one of the following: Secretary

_______

RC-27

_______

RC-28

Board of Governors of the Federal Reserve System Washington, D.C. 20551 legislative and Regulatory Analysis Division Office of the Comptroller of the Currency Washington, D.C. 20219
Assistant Executive Secretary

_______

RC-29, 30, 31, 32

Schedule RC-S - Servldng, SecuritIZatIon, and Asset Sale ActfvIties Schedule RC-T - Fldudary and Related Services,

______

RC-33, 34, 35 RC-36, 37, 38

_______

DeposIt Insurance CorporatiOn Washington, D.C. 20429

Federal For Information or assistance,

Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income

______

RC-39

National and State nonmember banks should contact the FDIC's Data Collection and Analysis SectIon, 550 17th Street, NW, Washington, D.C. 20429, toll free on (SOO) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve DistrIct Bank.

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Ollef Finandal OffIcer (or equivalent) of the bank signing the reports for this quarter and (2) the person at the bank - other than the Chief Financial Officer (or equivalent) - to whom questions about the reports should be directed. If the Chief Finandal Offtcer (or equivalent) is the primary contact for questions about the reports, please pr<Nide c.ontact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's e-mail address or fax number If not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

FFIEC 031 Page ii

Chief financial Officer (or Equivalent) Signing the Reports

EVP &. CFO

Other Person to Whom Questions about the Reports Should be Directed

Dennis Mikolay
Name (TEXT C495)

Michael J cavanagh Name (TEXT C49O)

Title (TEXT C491) mike.cavanagh@jpmchase.com E-mail Address (TEXT C492)

(212) 270-2288
Telephone: Area code/phone number/extension (TEXT C493)

(212) 270-1604

FAX: Area code/phone number (TEXT C494)

Vice President TItle (TEXT C496) mikolay dennis@jpmorgan.com E-maft Address (TEXT 4(86) (201) 595-5584 Telephone: Area code/phone number/extension (TEXT 8902) (201) 595-6771 FAX: Area code/phone number (TEXT 9116)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks.

Please provide primary contact information for a senior offIdai of the bank who has dedsion-rnaking authority. Also provide information for a secondary contact If available. Enter "none- for the contact's e-mail address or fax number If not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public. Primary Contact Michael J cavanagh Name (TEXT 066)
EVP &. CFO Title (TEXT 067)

Secondary Contact Kathryn V. McCulloch

Senior Vice PresIdent Name (TEXT 07l)

TItle (TEXT 072) kathym.mcculloch@chase.com E-ma Address (TEXT 073)

mike.cavanagh@jpmchase.com E-maH Address (TEXT C368) (212) 270-2288 Telephone: Area c:ocIe/phone number/extension (TEXT 069) (212) 270-1604
FAX: Area code/phone number (TEXT 070)

(212) 270-5922

Telephone: Area axle/phone number/extension (TEXT 074)

(212) 270-7473

FAX: Area code/phone number (TEXT" (75)

USA

PATRIOT Act SectIon 314(a) Anti-Money Laundering Contact Information

FfIEC 031 page lil

ThIs information Is being requested to identify poInts-of-contact who are In charge of your depository InstitUtion's Section 314(a) searches

laundering. Please provide infonnation for a secondary contact if available. Information for a third and fourth contact may be provided at the bank's option. Enter "none- for the contact's e-mail address or fax number If not available. USA PA1lUOT Act contact \nformation Is for the confidential use of the Agencies and the Financial Crimes Enforcement Network (FinCEN) and will not be released to the public.

and who could be contacted by federal law enforcement officers for additional infonnation related to anti-terrorist financing and anti-money

Primary Contact
Cynthia N. Brown
Name (TEXT C437)

Richard L Pollock
Name (TEXT C442)

Secondary Contact

Assistant VIce President

Title (TEXT C438)

Vice President
TII:Ie (TEXT C443)

cynthia.n.brown@jpmchase.com
E-mail Address (TEXT C439)

richard.l.poIIock@jpmchase.com
E-mail Address (TEXT C444)

(847) 488-7013 Telephone: Area oodeIphone numberlextenslon (TEXT C44O) (847) 488-2110
FAX: Area code/phone number (TEXT C441)

(847) 488-8220 (847) 488-2110

Telephone: Area oodeIphone number/extension (TEXT C445)

FAX: Area codeIphone number (TEXT C446)

Third Contact
Name (TEXT C870) Title (TEXT C871)
E-mail Address (TEXT C872)

Fourth Contact
Name (TEXT C875)

Title (TEXT C876)

E-mail Address (TEXT C877) Telephone: Area codeIphone number/extension (TEXT C878)

Telephone: Area codeIphone numberlextenslon (TEXT C873) FAX: Area codeIphone number (TEXT C874)

FAX: Area codeIphone number (TEXT C879)

JPMorgan Chase Bank, National AssocIation

Legal TItle of Bank

FFIEC 031 Page RI-1

aty OH

Columbus

5
43240

Zlp Code StAIte ICate Number: 00628 FDIC Certif SUbmitted to CDR on 2/12/2009 at 5:47 PM

for the period January 1, 2008 - December 31, 2008

All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Consolidated Report of Income

Schedule RI-Income Statement

Dollar Amounts in Thousands 1. Interest Income: a. Interest and fee income on loans: (1) In domestlc offices: (a) Loans serured by real estate:

1.a.1.a.1 (1) Loans secured by 1-4 family residential '-t----:.:.::.:..:.:.::.;:;.=..t (2) All other loans secured by real estltte.________________+__I_-....!.1! 1.a.1.a.2 ! (b) Loans to finance agricultural production and other loans to farmers --------1---:-::-t--- 1.a.1.b
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

d. Interest and dividend income on securities: (1) U.S. Treasury serurities and U.S. Government agency obligations (exduding -f-+--...... mortgage-backed securities) (2) Mortgage-backed serurities (3) All other serurities (includes securities issued by states and political subdivisions in the U.S.) ------_::_::_t_-...;.:;; e. Interest income from trading assets .: :; ;;. +.;;.;+_..:...:J.::.:..:.:::.:=-t ;... ;;;;+_-..:.r.::::.:.:.::.:;.:;.c f. Interest income on federal funds sold and securities purchased under agreements to resell g. Other Interest income +-___+..;., ;..;. h. Total interest income (sum of items 1.a.(3) through l.g) 2. Interest expense: a. Interest on deposits: (1) Interest on deposits In domestic offices: (a) Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorlzed transfer accounts) (b) Nontransaction accounts: (1) savings deposits (includes MMDAs) -+:!:!!- (2) TIme deposits of $100,000 or more -------l;;....J-!I!!! (3) TIme deposits of less than $loo,OOO ++--== _I_-..2J (2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and rBFs -+:=:"+_--=::!.!: b. Expense eX federal funds purchased and securities sold under agreements to repurchase c. Interest on trading liabilities and other borrowed money .;.&.;;; = -'-.;,;;.;.;;...L._-.:
_ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1.a.1.c (c) Commercial and industrial loans (d) Loans to individuals for household, family, and other personal expendiatures: l.a.1.d.l (1) Credit cards (2) Other (indudes single payment, installment, an student loans, and revoMng credit plans other than credit cards) --------4.;;.;.:;;--: l.a.1.d.2 (e) Loans to foreign governments and official institutions --------1I_--- 1.a.1.e (f) AlI other loans in domestic offices +-....!.i 1.a.1.f ++_-..!r.2.!.2 l.a.2 (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs : .j..:+_---: 1.a.3 (3) Total interest and fee income on loans (sum of items 1.a.(lXa) through l a (2 b. Income from lease finandng receivables --------t---..;.,;;;,;;; I.b I.e c. Interest income on balances due from depository institutions (1)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ . . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

I.d.l 1.d.l 1.d.3 I.e 1.f 1.g 1.h

2.a.1.a 2.a.l.b.1 2.a.l.b.2 2.a.I.b.3 2.a.2 2.b 2.c

(1) Includes Interest income on time certificates of deposits not held for trading.

lPMorgan Chase Bank, National AssocIatIon

Legal Title of Bank FDIC Certificate Number: 00628

FFlEC 031 Page RI-2

SUbmitted to CDR on 2/12/2009 at 5:47 PM

Schedule RI-Continued
Dollar Amounts in Thousands 2. Interest expense (continued): d. Interest on subordinated notes and debentures -------+-.....jl---===::.t e. Total Interest expense (sum of items 2.a through 2.d)
_ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

3. Net interest income (item l.h minus 2.e)

4. Provision for loan and lease losses

3
4

S. Noninterest Income:
a.

_ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _

b. Service charges on deposit aa:ounts in domestic offices --------t---+--=;.;;;L;=::.t

d. (1) Fees and commissions from securities brokerage commis
_ _ _ _ _ _ _ _ _ _ _

Income from fiduciary activities (1)

--------..:!:.:!t

c. Trading revenue (2) -------4=-

(2) Investment banking, advisory, and underwriting fees and

(3) Fees and commissions from annuity sales --------1--+--'-1 -:..:= +;;.;.;.+ (4) Underwriting income from insurance and reinsurance activities (5) Income from other insurance activities -------t-;...;...-+--=
_ _ _ _ _ _ __ _ _ _ _ __ _ _ _ _ _ _ _ _ __ _ _ __ _ _ _ _

r_--
_ _

e. Vemrure f Net servidng .

_ _. __ ._ _ __ _ _ _ _ _ _ _ _ _ __ __ _ _ _ _ __ _

.--.

-------t---+--...;...;.=
_ _ _ _ _ _ _ _ _ _ _ _ __ __ __ _ __ __ __ _

;- - = --

g. Net securitization income h. Not applicable

j. Net gains (losses) on sales of other real estate owned

I.

i. Net gains (losses) on sales of loans and leases

... --tt_ ....-.:.;

_ _ _ _ _ _ _ _ _ _

k. Net gains (losses) on sales of other assets (exduding securities) m. Total noninterest income (sum of items 5.a through 5.1)

__ _ _ _ _ _ _

_ --II-_+-_ ..;;,;=
5.m 6.a

- .. --+.;;. -

Other nonlnterest income*

_ __ _ _ _ _ __ _ _ __ __ __ __ _ _ _ _ __ __ __

_ _ __ _ _ _ _ _ _ _

6. a. Realized gains (losses) on held-to-maturity securities

7. Noninterest expense:
a.

_ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _

b. Realized gains (losses) on available-for-sale securities

6.b

c. (1) Goodwill impairment losses

Salaries and employee benefits b. Expenses of premises and fixed assets (net of rental income) (exduding salaries and employee benefits and mortgage interest) -------:.:..:...+_-...!!i.:!t
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __

(2) Amortization expense and impairment losses for

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

d. Other noninterest expense*

other intangible assets -- - - - - - - - _ ;; ..; - - - - - - - - -i_ t-_....:;...;,.;=

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

e. Total noninterest expense (sum of items 7.a through 7.d) 8. Income (loss) before income taxes and extraordinary

7.e

items and other adjustments (item 3 plus or minus items 4, S.m,

608, 6.b, and 7.e)

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

8 9 10 11 12

9. Applicable income taxes (on item 8) (item 8 minus item 9)

10. Income (loss) before extraordinary items and other adjusments 11. Extraordinary items and other adjustments, net of income taxes* 12. Net income (loss) (sum of items 10 and 11)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _

(1) For banks required to complete Schedule RC-T, items 12 through 19, Income from fiduciary activitIeS reported in Schedule RI, (2) For banks required to oomplete Schedule RI, Memorandum item 8, trading must equal the sum of Memorandum items 8.a through a.e.

* DescrIbe on Schedule RI-E - Explanations.

item S.a, must equal the amount reported In Schedule RC-T, Item 19.

revenue reported In Schedule RI, item S.C

JPMorgan Cbase Bank, National AssociatIon

FFIEC 031 Page RI-3

Legal Title of Bank

FDIC CertlfIcate Number: 00628

SUbmitted to CDR on 2/12/2009 at 5:47 PM

Schedule R1-Continued
Memoranda
1. 2. August 7, 1986, that is not deductible for federal income tax purposes (included in Schedule Rt, item 8) Dollar Amounts in Thousands
_ _ _ _ _ _ _ _ __ _ _ _ _ _

Interest expense Incurred to carry tax-exempt securities, loans, and leases acquired after M.l M.2 M.3 M.4 M.S Income from

the sale and servicing of mutual funds and annuities in domestic offices
_ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _

3. Income on tax-exempt loans and leases to states and political subdivisions In the u.s. (included in Schedule Rt, items La and l.b) (included in Schedule Rt, item 1.d.(3

_ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _

4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. 5. Number of full-time equivalent employees at end of current period (round to nearest whole number) 6. Not applicable
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

7. If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank's acquisition (1)

_ _ _ _ _ _ _ _ _ _ _ _

"___'_______---'

M.7

8. Trading revenue (from cash instruments and derivative instruments)

a. Interest rate exposures b. egn nge ures

(sum of Memorandum Items 8.a through 8.e must equal Schedule RI, /tem S.c) (To be completed by banks tIuIt reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the preceding calender year.):

_ _ _ _ _ _ _ _ _ _ _ _

J_-.!I!
-- -- _, _r --

M.S.a M.8.b M.8.c M.8.d M.8.e

_ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ __ _ _ _ __ __

d. Grnnmodity and other exposures . e. CredIt

c.

EQUity security and Ind exposures

_ _ __ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _

+==4_-..1!J.

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ __ _ __ _ _

;_--

__ _ __ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge aedit posures held outside the trading account: a. Net gains (losses) on aedit derivatives held for trading b. Net gains (losses) on credit derivatives held for purposes other than trading
_ _ _ _ __ _ __ _ _ __ _ _ _ _ __ __ _

M.9.a M.9.b
___ _ ......

L 1. Does the reporting bank have a SUbchapter S election in effect for federal income tax purposes for the current tax year ?

lO. Credit losses on derivatives (see instructions)

_ __ _ _ __ _ __ _ _ __ _

_ _ _ _ __ _ _ _ __ _ _ _ _ _ _ _ __ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _

...

Memorandum item 12 Is to be completed by banks that are required to complete Schedule

12. Noncash income from negative amortization on closed-end loans secured by 1-4 family

I A530-'-____N _ I

RIAD

__,;,.;;;.;........
YES / NO
... O ___ '__

M.10

M.ll

RC-c, parr 1, Memorandum Items B.b and B.c.

residential properties (included in Schedule Rt, item ."\"\I\JJ-------4

M.12

L3. Net gains (losses)

.assets and liabilities under " fair IIIIIue option.

Hemorandum item 13 is tv be completed by banks tlrat have elected tv lICt:DUnt for

recognized in eamings on assets and liabilities that are reported at fair value under a fair value option: . a. Net gains (losses) on asset& (1) estimated net gains (losses) on loans attributable to changes in
instnunent-spedfic: credit ISk

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M.13.a M. 13.a.l M.13.b

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

b. Net gains (losses) on llallllllties (1) Estimated net gains (losses) on liabilities attributable to changes in
Ific ft

-I.... ..!
..... __ __

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ __ _ _ _ __ _ __ __ _ _ _ _ _ __ _ _ __ __

M.13.b.l

(1) For example, a bank acquired on March 1, 2008, would report 2008/03/01

lPMorgan Chue Bank, National AssocIation

Legal T of Bank itle FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RI-4

Schedule RI-A-Changes in Equity capital

Indicate decreases and losses in parentheses.
l!YI Dollar Amounts in Thflllnl'l!;
_ _ __ _ _ _ _ _ _

Reports of Condition and Income (i.e., after adjustments from amended Reports of Income) 2. Restatements due to corrections of material accounting errors and changes in
aoooong nd* 3. Balance end of previous calendar year as restated (sum of items 1 and 2) 4. Net Income (loss) (must equal Schedule RI, Item 12) 5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury st ons) 6. Treasury stock tra, net

1. Total equity capital most recently reported for the December 31, 2007,

1 2 3 4

_ __ _ __ _ __ _ __ _ __ _ __ _ __ __ _ _ _ __ _ __ _ __ _ _

_1 ----

_ __ _ __ __ __ __ _ _ __ __ __

=;..I_...!!!

__ _ __ _ __ _ _ __ _ __ __ __ __ _ __ __ __ _

__ __ __ __ __ __ __ _ __ __ __ _ __ _ __ _ __ _ _ __ __ __ __ __ __ __

_+ _+ ---- S + ...::..t +_ --

7. Changes incident to business combinations, net --------+-.;.;...I---==t 8. LESS: Cash dividends declared on preferred stock -----t--.-;.-f-- 9. LESS: Cash dividends declared on common stock -+ -+_....== .; 10. Other comprehensive income (1) -------I=!....f.-..1.1 11. Other transactions with parent holding company* (not Included in Items 5, 6, 8, or 9 above) 12. Total equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, Item 28) --'-_-'-___=.......... .-.
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ __ _ _ _ _ _ _ _ __ _ __ _ __ _ _ __ _ _ __ _

6 7 8
9

__

_ __ __ __ __ __ _

10 11 12

_ __ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ __ _ _ _ _ _

Describe on Schedule RI-E - Explanations. (1) Indudes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains
(losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan-related changes other than net periodic benefit cost.

Schedule RI-B-Charge-offs and Recoveries on Loans and Leases

and Changes in Allowance for Loan and Lease Losses

( Column B ) Recoveries

Part I. Charge-offs and Rec:overtes on Loans and Leases

Part I includ_ charge-offs and recoveri_ thl'OUlh the allocated b'ansfer risk reserve.

Dollar Amounts in Thousands

1. Loans secured by real estate: a. Construction, land development, and other land loans in domestic

b. Secured by farmland in domestic U1. "-=

c.

offices: (1) 1-4 family residential construc:tion _1.____________ (2) Other constructfon loans and all land dewIIopment -+and er l RNI_____ _____ _ _ __ __
_ __ __ __ __
_ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1.a.l

__

---- l.a.2
l.b

(2) Oosed-end loans secured by 1-4 family residential properties: (a) Secured by first liens (b) Secured by junior liens d. Secured by multifamily (S or more) residential properties in domestic
offices

Secured by 1-4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under nnes of credit

_ _ _ _ _ _ _ _ _

----,

1.c.1

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

-+-;;.;.;;.+_--:.I=+_+__- 1.c.2.a . l.c.2.b

e. Secured by nonfarm nonresidential properties In domestic offices: (1) Loans seancI by owner-oc:cupied nonfarm _residential propertle!l 2. Loans to depository institutions and acceptances of other banks: f. In foreign offices

_ __ _ _ _ _ _ __ __ __ _ _ _ _ __ _ __ _ _ _ __ ___

l.d

(2) Loans secured by other nonfann nonresidential

_ _

---+_--...1:

_ _ _ _

_ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _

l.e.l f_---=:.::r_+_--...::::. 1.e.2 1.1

a. To U.S. banks and other U.S. depository institUtions b. To ks 3. Loans to finance agricultural production and other loans to farmers

_ __ _ _ _ __ _ _ _ __

_ __ __ __ _ _ __ _ __ __ __ __ __ _ __ __ _ _ __

_ _ _ _ _ _ _

_r------ 2.b _; "'-...._____"____._.. 3 ...

__ __

___....+--+_--- 2.a .:: +=+

JPMorgan Chase Bank, National Association

FFlEC 031 Page RI-5

Legal litle of Bank FDIC Certificate Number: 00628 SUbmitted to COR on 2/12/2009 at 5:47 PM

Schedule R1-B-Continued
Part J. Continued

Dollar Amounts In Thousands 4. Commerdal and industrial loans: a. To U.S. addressees (domidle) ------l-=--!!!!-!.---..:!.!!. b. To non-U.S. addressees (domicile) 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) -------4::.=:::....j.--.!.J.!:::.:!.I;,;...;1_---.:.::.=I 6. Loans to foreign governments and off ICial institutions --------4...:::.:::::.....f---.::.:..+_-::.j 7. All other loans 8. Lease financing receivables: a. Leases to individuals for household, family, and other personal
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _

4.a 4.b

5.a S.b 6 7

---------- 8.a b. All other leases I_--4_----- 8.b .--JL.=!!!JL_!J!;!!!JL_..! 9 9. Total (sum of items 1 through 8)
Memoranda Dollar Amounts in Thousands 1. Loans to finance commerdal real estate, construction, and land development activities (not secured by real estate) induded In Schedule RI-B, part I, items 4 and 7, above 2. Loans secured by real estate to non-U.S. addressees (domidle) (included in Schedule RI-B, part I, item 1, above): 3. Not applicable Memorandum item 4 Is to be completed by banks that (1) together with affiliated
institutions, have outstanding credit card receivables (as defined in the

_ _ _ _ _ __ _ _ __ __ __ __ _ __

M.l
. ;...J ____..=.I....;.:;.:..;L..-___--=..I M.2

_ _ _ _ _ _ _ _ _ _ _ _

-'.;.;;,;:.:;;....L

4. Uncollectible retail credit card fees and finance charges reversed against income (I.e., not Induded in charge-offs against the allowance for loan and lease losses) (1) Indude wrlte-downs arising from transfers of loans to a heId-for-sale account.

as defined for Uniform Bank Petformance RepoTt purposes.

that exceed $500 mOlion as of the report date or (2) are credit card specialty banks

instructions)

Calendar
-1.:::::;...1.___....;::::.1::::=.1 :

_ _ _ _ _ _ _ _ _ __ _ _ _

M.4

lPMorgan Chase Bank, National AssocIation

Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RI-6

FDIC Certificate Number: 00628

Legal TItle of Bank

10

Schedule R1-B-Continued
Part U.

Changes in Allowance for Loan and Leese Losses

and Income (i.e., after adjustments from amended Reports of Income) --------I..;;.;;.;I__-=f 2. Recoveries (must equal part I, item 9, cotumn Sf above) 3. LESS: Charge-offs (must equal part I, item 9, cotumn A, above less Schedule RI-B, part II, item 4) +::+_-..!.i.!S 4. LESS: Wrlte-downs arising from transfers of loans to a hekl-for-sale account +__+ - - - --. 5. Provision for loan and lease losses (must equal Schedule RI, item 4) --------J..:.:!:.:--!2 6. Adjustrnents* (see instructions for this schedule) 7. Balance end of current period (sum of items 1, Z, 5, and 6, less items 3 and 4)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _

1. Balance most recently reported for the December 31, 2007, Reports of Condition

Dollar Amounts in Thousands

1
2 3 .. 5 6

(must equal Schedule RC, item 4.c)

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

-'--_..L-_.;.;;.;=;;., 7 ;

* DescrIbe on Schedule RI-E-ExpIanations.

Memoranda

Dollar Amounts in Thousands

_ _ _ _ _ _ _ _ _ _ _ _

Memorandum items 2 and 3 are to be completed by banks ttJat (1) together with affiliated institutions, have outstanding credit card recehlables (as defined in the instructions) that exceed $500 million as of the report date or (2) are aedlt card specialty banks as defined for Uniform Bank Performance Report purposes. 2. Separate valuation allowance for uncollectible retail credit card fees and finance 3. Amount of aHowance for loan and leases losses attributable to retail credit card fees
4. Amount of allowance for post-acquisition Josses on purchased impaired loans accounted
Memorandum Item 4 1$ 10 be completed by aU bank$.

1. Allocated ITansfer risk reserve included in Schedule RI-B, part n, item 7, above

M.l

M.2 M.)

and finaoce rges

__ _ _ _ _ _ _ _ _ _ __ __ __ _ _ __ _ __ __ __ _ __ __ _ __ _ __ _ _

for in accordance with /!J.CPA Statement of Position OH (included in Schedule RI-B, part n, item 7, pwI

_ _ _ _ _ _ __ _ _ __ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_L __

__

M.4

Schedule RI-D-Income from Foreign OffIces

revenues, assets, or net IIIClDIII8 exceed 10 percent of consolidated total ravenu_, total ...., or net income. .. For all banks with fondgn otrices (including Edge or Agreement subsidiaries and IBFs) where foreign office

"'-:;:.+-..!:! 1. Total interest iocome in foreign offices 2. Total interest expense in foreign offices -------t..;;;.t_-=;.;.;;;=:.t 3. ProvIsion for loan and lease losses In foreign offices 4. Noninterest income in foreign offices: a. TrcWing reven -- b. Investment banking, advisory, brokerage, and underwriting fees and commissions -------1- c. Net securitization iocome +;;.;...+___....;= ;. d. Other nonlnterest
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _ _ __ _ _ _ __ _ __ __ _ _ _ __ _ _ _ __ _ _ _ __ _ _ _ _ __ __ __ _ _ __ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _

Dollar Amounts in Thousands

1 2 ) 4.a 4.b 4.c 4.d

-+-- expense (item 1 plus or minus items 2 through 9) ll. Internal aRocations of Income and expense applicable to foreign offices --+:::.:.:=+_J:l.:22!i 12. Eliminations arising from the consolidation of foreign offices with domestic offices --------t--I---...-.-.... 13. Consolidated net income attributable to foreign offices (sum of items 10 through 12) -'-C::!!:..L._21!J
_ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

8. Applicable income taxes (on items 1 through 7) 9. Extraordinary items and other adjusbnents, net of income taxes, in foreign offices lO. Net income attributable to foreign offices before internal allocations of income and

_r.==-- 5 6 6. Total noninterest expense in foreign offices 7. Adjustments to pretax iocome In foreign offices for internal allocations to foreign offices to reflect the effects of equity capital on overall bank funding costs --------t_-_::::i 7
__ _ _ __ _ _ __ _ _ __ _ __ __ _ _ __ _ _ _ _ _ _ _ __ _ __ _ _ __ _ _ _ _ _ _ __ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

5. Realized gains (losses) on held-to-rnaturlty and avallable-tor-sale securities in gn offlces

_ _ _ _ __ _ _ _ _ _

--+.:;;;---= 8 ;.;;
9 10 11 12 13

JPMorgan Chase Bank, National Association

legal Title of Bank FDIC Certificate Number: 00628 SUbmitted to COR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RI-7

11

Schedule RI-E-Explanations
SChedule Al-E Is to be completed each quarter on a calendar yea....to-date basis. Detail all adjustments In Schedules RI-A and RI-B, all extraordinary Items and other adjustments in Schedule RI, and all significant items of other nonlnterest income and other non/nterest expense In Schedule RI. (See instructions for details.)
Dollar Amounts in Thousands

1. Other noninterest income (from Schedule RI, Item 5.1)

Itemize and describe amounts greater than $25,000 that exceed 30Ja of Schedule RI, Item 5.1: TEXT a. Income and fees from the
b. c. d.

La

l.b
1.c 1.d 1.e 1.f 1 .g l.h 1.i 1 .j

2. Other noninterest expense (from Schedule RI, Item 7.d)

h. i. j.

Itemize and describe amounts greater than $25,000 that exceed 30Ja 01 Schedule Al, item 7.d: TEXT
a. b. c. d.
Data nrnt'""c:inn

e.

f.
i.

g. h.

j.
I.

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, Item 11) (itemize and describe all extraordinary items and other adjustments): 3.(1)
).(1)

m. n.

2.a 2.b 2.e 2.d 2.e 2.f 2.g 2.h 2.i 2.j 2.k 2.1 2.m 2.n

3.a.1 3.a.2 3b1 3.b.2 3.el 3.e2

. .

:.(1)

JPMorgan Chase Banlc. National Association

FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM legal Title of Bank

FFIEC 031 Page RI-8

12

Schedule RI-E-Continued
4. Restatements due to corrections of material accounting errors and changes in accounting principles (from Schedule RI-A, item 2) (itemize and describe all restatements):
TEXT

a. Cumulative-effect adjustment resulting from the initial

C= 5. Other transactions with parent holding company (from Schedule RI-A, item 11)
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

4.a 4.b

(itemize and describe all such transactions): TEXT a.

-----6. Adjustments to allowance for loan and lease losses (from Schedule RI-8, part IT, item 6) (itemize and describe all adjustments): TEXT

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

__

S.a S.b

7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income): COmmts?

a. b.

= ============:=@
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

6.a 6.b

7 _ I I _YESYSN_O
__ __

in from Joint Venture dissolution $1 ,048,000

JPMorgu Chase Bank, National AIsociation

itle Legal T of Bank

Columbus

State Zip Code FDIC Certificate Number: 00628 SUbmitted to CDR on 2/12/2009 at 5:47 PM

City OH

I
43240

FFIEC 031 Page RC-l

13

and State-Chartered Savings Banks for December 31, 2008

All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.

Consolidated Report of Condition for Insured Commercial

Schedule RC-Balance Sheet

Dollar in Thousands

ASSETS

1. Cash and balances due from depository institutions (from Schedule RC-A): a. Nonlnterest-bearing balances and currency and coin (1) -----------b. Interest-bearing balances (2} 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) b. Available-for-sale securities (from Schedule RC-8, column D) 3. Federal funds sotd and securities purchased under agreements to resell: a. el fun sotd in c offices

_ _ _ _

., !!!.2

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

La l.b

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

::. -+;;.;.;:..+__....:= 2.a 2.b ;. ;..;;..;..;:;..

3.a 3.b 4.a 4.b 4.c 4.d 5 6 7 8

_ _ _ _ _ _ __ _ _ _ _ _ _ _ __ _ _ _ _ _ _

_+

b. Securities purchased under agreements to resell (3) 4. Loans and lease finandng receivables (from Schedule RC-C): _ _ --r _ _ _ --r a. Loans and leases held for sale ---;;;. +;;;;+--::.:...:.:;: = b. Loans and leases, net of unearned income .::: .:. :.....L c. LESS: Allowance for loan and lease losses _....:..:...:.=:.::. -l,; d. Loans and leases, net of unearned Income and allowance (item 4.b minus 4.c) 5. Trading assets (from Schedule RC-D) : -+--.:.:::.: 6. Premises and fixed assets (induding capitalized leases) 7. other real estate owned (from Schedule RC-M) -----""':"""'it_-;;:.;.;: --' 8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _

-----J!_I_-..!:r!!!1 -f..-

9. Not applicable 10. Intangible assets: ----t.=+-==:i a. Goodwlll -b. Other Intangible assets (from Schedule .;..!. *+___:..;;.== 11. other assets (from Schedule RC-F) -L!..l....!.I!J 12. Total assets (sum of items 1 through 11)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

10.a lO.b 11 12

(1) Indudes cash items in process of collection and unposted debits. (2) Indudes time certificates of deposit not held for trading. (3) Indudes all securities resale agreements In domestic and foreign offices, regardless of maturity.

lPMorgan Chase Bank, NatIonal AssocIation

Legal TItle of Bank FDIC Certificate Number: 00628 SUbmitted to CDR on 2/12/2009 at 5:47 PM

FAEC 031 Page RC-2

I
Dollar Amounts in Thousands

14

Schedule RC-COntinued
.3. Deposits:

a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, (1) Nonlnterest-bearing (1) (2) Interest-bearing ---

rt l)

__ __ __ __ __ __ __

....__ . __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ +;.;;; ;.;; --.,; :.:..:. ::..:.::: .:

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

14. Federal funds purchased and securities sold under agreements to repurchase: a. Federal funds purchased in domestic offices (2)

b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, part II) (1) Nonlnterest-bearing --------(2) Interest-bearing - - - -

--J...:..:.;;;..._;:.::: ;. .&. ::

13.a 13.a.1 13.a.2 13.b 13.b.1 13.b.2 14.a 14.b 15

_ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

---, _ --. ,...-____

--I=-!!E.!!!!

_ _ _ _ _ _ _ _ _ _ _ _

-L.::..L_!!!
---I-.;;..

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

b. Securities sold under agreements to repurchase (3) ------I--f--=:.:.;;.;:..:.:.: 15. Trading liabilities (from Schedule RC-O)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _

EQUITY CAPITAL

16 17. and 18. Not applicable 19. SUbordinated notes and debentures (4) 19 -I .....:: ,.:;.;; I- 20. Other liabilities (from Schedule RC-G) -+;;;.;.; ;.; -= ..:;:::. 20 21. Total liabilities (sum of items 13 through 20) ------:=:...J_..!!!r!!!!I 21 22. Minority interest in consolidated subsldiaries 22
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

16. Other borrowed money (includes mortgage indebtedness and obligationS under capitalized leases) (from Schedule RC-M)

_ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _

23. Perpetual preferred stock and related surplus ::;;;_I_ _ ;.;;. - _ 2 Common - 25. SUrplus (exdude all surplus related to preferred stock) ::::-.!. :... 26. a. Retained earnings --------t;:;:+-
__ __ _ __ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ __ _ __ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

23

24
25

;.;;.__.j 27. Other equity capital components (6) 28. Total equity capital (sum of items 23 through 27) --------J.,;=-f--:=;..:;.:.
_ _ __ ____ _ _ _ _ _ _ _ _ _ _ _ _ _

b. Accumuiated other comprehensive Income (5) -

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

...J-;._ _ ""'=.;;.:.,t;

29. Total liabilities, minority interest, and equity capital (sum of items 21, 22, and 28)

_ _ _ _ _ _ _ _ _ _

--L=:::;::...-! .L

26.a 26.b 27 28 29

Memorandum

1 ,. Independent audit d the bank conducted In acconIance with generally 2 ,. Independent audlt of the bank"s parent holding company conducted in holding company (but not on the bank separatefy) public accounting firm which submits a report on the consolIdated accordance with generaIy ilCQ!pted auIf !ting standards by a certified

To be reported with the March Report of Condition. 1. Indicate in the box at the right the number fA the statement below that best describes the most comprehensive level of auditing wor1< perfonned for the bank by independent external auditors as of any date during 2007
which submits a report on the bank
accepted auditing standards by a certified public lICalUntlng firm

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

'" .. DirectorS' examination d the bank conducted In accordance with

5 .. Directors' examinatloll of the bank performed by other external accounting finn (may be required by state chartering authority) generally accepted auditing standards by a certified public

--I...;.,;.;.,;.; 6;72 "'....IL.--_:,.::.:.; N :/A:...----J M.l

I I

RCFD

Number

6 .. Review of tile bank's flnandal statements by external audItOrs 9 .. No external audit work 8 = Other audit procedures (excluding tax preparation work)

auditors (may be required by state chartering authority)

3 ,. Attestation on bank management's assertion on the effectiveness

of the bank's internal control over financial reporting by a
certified public accounting firm

7 .. Compi/atlon of the bank's financial statements by external auditors

(1) Includes total demand deposits and noninterest-bearing time and savings deposits. (2) Report overnight Federal Home Loan Bank advances in Schedule Re, item 16, "Other borrowed money (3) Indudes all securities repurchase agreements in domestic and foreign offices, regardless of maturity. (4) Indudes limited-life preferred stock and related surplus. (5) Indudes net unrealized holding gains (losses) on avallable-for-saie securities, accumulated net gains (losses) on cash now hedges, cumulative foreign wrrency translation adjustments, and minimum pensIan liability adjustments.
.

(6) Indudes treasury and unearned Employee Stock Ownership Plan shares.

lPMorgan Chase Bank, National Association

Legal T of Bank itle
Submitted to COR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-3

FDIC CertlfJcate Number: 00628

15

Exdude assets held for trading.

Schedule RC-A--cash and Balances Due From Depository Institutions

(Column A) Consolidated Dollar Amounts in Thousands (Column B)

1. Cash items in process of collection, unposted debits, and currency and cn a. Cash items in process of collection and unposted debits b. Currency and 2. Balances due from depository institutions in the U.s. a. U.S. branches and agencies of foreign banks (induding their IBFs) b. Other commercial banks in the U.S. and other depository institutions In the U.S. (induding their IBFs) __ ---' 3. Balances due from banks in foreign countries and foreign central banks a. foreign branches of other u.s. banks -------1I_-...:..I.::.== b. Other banks in foreign countries and foreign central banks --------f_.;:;.;...:;= 4. Balances due from Federal Reserve Banks 5. Total (sum of items 1 through 4) (total of column A must equal Schedule Re, sum of items 1.a and 1.b) !: .!! -.Jl.!!!L_...!.!l.!!!L.... !:
__ _ _ _ _ __ __ __ _ _ _ _ __ _ __ __ _ __ __ __ __ __ __ __ _

_ __ _ _ _ _ _ _ _ _

__ _ _ __ __ _ _ _ _ _ _ _ _ _ _ _ __ _ __ _

_ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ __

1 1.a l.b 2 2.a 2.b 3 3.a 3.b

4 5

_ _ _ _ _ _ _ _ _ _ __ _ _ __ __

_ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ __ _ _ _ _ _ __

Schedule RC-B-Securities
Exdude assets held for trading. (Column 0) 1. U.S. Treasury securities 2. U.S. Government agency obligations (exdude mortgage-backed securities): a. Issued by U.S. Government agencies (1) b. Issued by U.S. Governmentsponsored agencies (2) 3. Securities issued by states and political subdiviSions in the U.S. Dollar Amounts In Thousands
_ _ _ _ __

_ _ _ _ _ _ _ __

2.a 2.b 3

_ _ _ _ _

__ _ __

;;J ..L.. ;..;.J ;. . ..L.:.;.;;.:;...L..___--=;J...;;.;;.;...L.._ _--=.,;.._ ___;..;= _..&____;..;.; .. _

lgatlons, and (1) Includes Small Business Administration "Guaranteed Loan Pool CertIficates, U.S. Maritime Administration obI' Export-Import Bank participation certificates. (2) Includes obligations {other than mortgage-backed securities} issued by the Farm Oedit system, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the financing Corporation, Resolution Funding Corporation, the Student Loan Marf<etlng Association, and the Tennessee Valley Authority.

JPMorgan Chase Bank, National AssociatIon

Legal Title of Bank FDIC Certificate Number: 00628 SUbmitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-4

16

Schedule RC-B-Continued
(Column 8) Dollar Amounts in Thousands 4. Mortgage-backed securities (MBS): a. Pass-through securities: (l) Guaranteed by GNMA ----+-_-.....:+---.-.!!I:;::;+- (2) Issued by FNMA and FHLMC ---J..:-+--_"::::'&:::"''----.:--I--!!!.:?l (3) Other pass-through securities b. Other mortgage-backed securities (indude CMOs, REMICs and stripped MBS): (1) Issued or guaranteed by FNMA, FHLMC, or GNMA (2) Collateralized by MBS issued or guaranteed by FNMA, FHLMC,
_ _ _ _ _

(Column D)

4.a.l 4.a.2 4.a.3

4.b.l

(3) All other mortgage-backed rities 5. Asset-backed securities (ABS) 6. Other debt securities: a. Other domeroc securitIes b. Foreign debt securities 7. Investments in mutual funds and other equity securities with readt determinable fair values (1) ly 8. Total (sum of items 1 through 7) (total of Column A must equal Schedule RC item 2.a) (total of column 0 must equal Schedule RC, item 2.b)

or .. ,..

__ __ _ __ __ _ __ _

4.b.2
__ __ __ __

_ __ __ __ __ _ __

_ _ __ __

-+

__ __ __ __

__

4.b.3 5 6.a 6.b

_ __

______
-,

__ __ __ __

.: ____....

_ _ _ _

_ _ _ _ _ _ _ _

.l .L.. L_.2..L___..;!!l:..._2L!!::.!._I!2! 8
,

(1) Report Federal Reserve stock., Federal Home Loan Bank stock and banker's bank stock in Schedule RC-F, item 4.

JPMorgan Chase Bank, National Association

Legal T of Bank itle FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFlEC 031

Page RC-5

17

Schedule RC-B-Continued
Memoranda Dollar Amounts In Thousands 2. Maturity and repridng data for debt securities (1, 2) (exduding those In nonacaual status): a. Securities issued by the U.S. Treasury, U.S. Government agendes, and states and political subdiviSions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end 1. Pledged securitles (1)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M. 1

first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3, 4)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

b. Mortgage pass-through securities backed by closed-end first lien 1-4 family

(1) Three months or less +=:::.:+_-=: M.2.a.l : (2) Over three months through 12 months --------+.;;.;;-f---=-!.:.::::.:.::=of M.2.a.2 (3) OVer one year through three years --------++-...:..:.l::..:..:J.::.::::.t M.2.a.3 (4) Over three years through five years --------..f.:.::.:::.4-_...:.:.:.:=:::q M.2.a.4 (5) OVer five years through 15 years ;..:.: --II-_+-_.:.;.:.;;.; M.2.a.5 M.2.a.6 (6) Over 15 years --!
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

residential mortgages with a remaining maturity or next repridng date of: (3, 5) (1) Three months or Iess (3) Over one year through three years (4) OVer three years through five years

(2) OVer three months through 12 months --------+--t---....;;.::==-t M.2.b.2

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

-+- -+- _ = _ .=...:.=

M.2.b.!

3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date

(1) Three years or less -------t---.;..;.:.;=__t M.2.c.l M.2.c.2 (2) OVer three years d. Debt securities with a REMAINING MA11JRITY of one M.2.d year or less (induded in Memorandum items 2.a through 2.c above)
_ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(5) OVer five years through 15 years ) 0ver 15 ars c. Other mortgage-backed securities (lndude CMOs, REMICs, and stripped MBS; exdude mortgage pass-through securities) with an expected average life of: (6)

__ M.2.b.3 -+-I::::-I-_- M.2.b.4 :..

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ ___ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

-I-_ M.2.b.5 M.2.b.6

of sale or transfer) 4. Structured notes (included in the held-to-maturity and available-for-sale accounts In
Schedule RC-B, Items 2, 3, 5, and 6): a. Amortiz as Fr wrue

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M.3

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

==-------- M.4.a MA.b

__ __ __ __ __

(1) Indudes held-to-maturity securities at amortized cost and 8wllable-for-sale securities at fair vah.Je. (2) Exdude investments in mutual funds and other equity securities with readily determinable fair values. (3) Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repridng date. (4) Sum of Memorandum items 2.a.(l) through 2.a.(6) plus any nonaccrual debt securities in Ule categories of debt securities reported in Memorandum item 2.a that are induded In Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 5, and 6, columns A and 0, plus mortgage pass-through securities other than those backed by dosed-end first lien 1-4 family residential mortgages induded in Schedule RC-B, item 4.a, columns A and O. (5) Sum of Memorandum Items 2.(1) through 2.b.(6) plus any nonacaual mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages Induded In Schedule RC-N, Item 9, column C, must equal Schedule RC-B,

item 4.a, sum of columns A and 0, less Ule amount of mortgage pass-through securities other than those backed by dosed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and O. (6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonacaual "Other mortgage-backed securities" induded in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b, sum of columns A and O.

JPMorgan Chase Bank, National AssocIation

Legal TItle of Bank FDIC CertifICate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-6

18

Schedule RC-B-Continued
Memoranda-continuecl

(Column D) Dollar

in Thousands

5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.a through 5.f must equal Schedule RC-B, item 5): a. Gro b. Home equity unes c. Automobile loans d. Other consumer e. Commercial and industrial loans t OOrer

__ __ __ __ __ __ __ _

------+--!t+_---_:=+-t_-----I!!!;-+---!l.t-;::::-1I---:t=--_:;::_::;=t;_r-__:;;:;;=_t --.L----!!.J!!!----2:!=+-..!.!:.;:;;
__ __ __ __ __ __ __ __ __ __

t.=

__ __ __

__ __ __

__ __ L_

M.S.a M.S.b M.S.c M.S.d M.5.e M.5.f

JPMorgan Chase Bank, National AssociatIon

itle Legal T of Bank

FFIEC 031

Page RC-7

FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

19

Schedule RC-t-Loans and Lease Financing Receivables

Part I. Loans and Leases
Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for Investment, net of unearned Income, and (3) loans and leases accounted for at fair value under a fair value option. Exdude assets held for trading and commercial paper.

(Column Consolidated Bank Dollar Amounts in Thousands 1. Loans secured by real estate a. Construction, land development, and other land loans: (1) 1-4 family residential c:onstruction ........ (2) other construction Io8ns and aU land development and other nd .w.. b. Secured by farmland (induding farm residential and other immremen) c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (2) Oosed-end loans secured by 1-4 family residential properties: (a) Secured by first liens (b) Secured by junior 11ens d. Secured by multifamily (5 or more) residential properties e. Secured by nonfarm nonresidential properties: (1) Loans sec:urecI by owner-oc:cupied nonfann nonresidential
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(Column B) Domestic
Offices

1 La. 1 1.8.2 l.b

_ _ _ _ _ _ _ _ _ _ _

__ _ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

__ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _

_ _ _ _ _ _ _ _ __ __ _ __

1.c.1 1.c.2.a l.c.2.b l.d I.e 1.e.l l.e.2 2.a 2.a.l 2.a.2 2.b 2.c 2.c.1 2.c.2 3 4.a 4.b

_ _ _ _ _ __ _ _ _ _ _ _ _ _ __ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(2) Loans secured by other nonfann IionresIdentiaI properties'-2. Loans to depository institutions and acceptances of other banks: a. To commerdal banks in the U.S. :_:_ __ __ -t (1) To U.S. branches and agendes of foreign banks (2) To other commercial banks in the U.s. -------I-t_--'_._:_ b. To other depository institutions In the U.S. c. To banks in foreign countries -I-:::!___:"_:_:':_:_: : (1) To foreign branches of other U.S. banks (2) To other banks in foreign countries -------i-:-::::-ir---'-'-:=-== 3. Loans to finance agricultural production and other loans to farmers 4. Commercial and industrial loans: a. To U.S. (domlcile) b. To non-U.S. addressees (domicile) 5. Not applicable. 6. Loans to indMduals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): ----_+--r.=:_r_-- a. Qred car -b. other revolving cred plans c. Other consumer loans (includes single payment, InstaHment, and aU student Ioans 7. Loans to foreign government and official institutions (including foreign central nks) 8. Obligations (other than securities and leases) of states and political subdivisions in the U.S. 9. Other lns a. Loans for purchasing or carrying securities (secured and unsecured) b. All other loans (exclude consumer loans)
_ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

---

_ __ __ _ _ _ _ _ __ _ _ _ __

_ _ _ _ _ _ _ _ _ __ __ _ _ _ _ _ _ _

_ _ _ __ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _

-----++-;.Jr_
_ __ _ _ _ _ _ _ _ __ __ _ _ _ __

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

6.a 6.b
6.c

_ __ __ __ _ _ __ _ _ _ _ _ _ _ _ _ __ _ _ __

__ _ _ __ _ __ __ _ _ _ _ _ _ _ _ _ _ _ __ _

7 8 9 9.a 9.b

_ _ __ _ __ __ __ _ __ __ __ __ _ _ __ _ __ _ __ _ __ _ __ __ _ _ _ _ _ __

------t_-
__ __ _ _ __ __ __ __ __ _ __ _ _ __

lPMorgan Chase Bank, National AssocIation

itle Legal T of Bank

FDIC Certificate Number: 00628 SUbmitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-8

20

Schedule RC-C-Continued
Part I. Continued
Consolidated

(Column

(Column Domestic

10 a. Leases to individuals for household, family, and other personal 10.a expenditures (i.e., consumer leases) ::.:..+_--::= 10.b b. All other leases :;..J-- ---------- ---1 n - on loans reflected in items 11. LESS: Any Uneamed i:-come---:-----:- -:--- l..g above 11 12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item 11) (total of column A must equal Schedule RC, sum of Items 4.a and 4.b) -----C::.::.....L..!.L::..L_.2!.:]!.d!!I 12
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

10. Lease financing receivables (net of unearned income)

Dollar Amounts in

Memoranda
Dollar Amounts in Thousands 1. Loans and leases restructured and in compliance with modified terms (induded in Schedule RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1): a. Loans secured by 1-4 family residential properties in domestic otnces b. Other loans and all leases (exdude loans to individuals for household, family, and

_ _ _ _ _ _ _ _ _ _

M.l.a M.l.b

(3) Over one year through three years (4) Over three years through five years (5) Over five years through 15 years (6) Over 15 years c. Loans and leases (reported In Schedule RC-C, part I, items 1 through 10, column A) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) 3. Loans to finance commerdal real estate, construction, and land development activities (not secured by real estate) induded in Schedule RC-C, part I, items 4 and 9, column A (4)

2. Maturity and repricing data for loans and leases (exduding those in nonacaual status): a. Closed-end loans secured by first liens on 1-4 family residential properties in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining maturity or next repridng date of: (1, 2) (1) Three months or less . -J.:.:;:.;.-+-_ ---(2) Over three months through 12 months : ...j. --I!-::!::::._...!.:: (3) Over one year through three years --------+--I---.;..;=..;.:.;.=t (4) Over three years through five years (5) Over five years through 15 years (6) Over 15 years b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A) EXCLUDING closed-end loans secured by first Hens on 1-4 family residential properties in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining maturity or next repridng date of: (I, 3) ++- (I) Three months or less (2) Over three months through 12 months -+:+---=:.:.;;.;:;::.t
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

NS

____ ____ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

M.2.a.l M.2.a.2 M.2.a.3 M.2.a.4 M.2.a.S M.2.a.6

M.2.b.l M.2.b.2 M.2.b.3 M.2.b.4

M.2.b.S

M.2.b.6
_ _ _ _ _ _ _ _

M.2.c M.3

_ _ _ _ _ _ _ _

.. c::::!.J..._..!.!:: !!.I

(1) Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date. (2) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonacaual dosed-end loans secured by first liens on 1-4 family residential properties In domestic offices included In Schedule RC-N, item l.c.(2)(a), column C, must equal total dosed-end loans secured by first liens on 1-4 family resldential properties from Schedule RC-C, part I, Item l.c.(2)(a), column B. (3) SUm of Memorandum items 2.b.(1) through 2.b.(6) plus total nonacaual loans and leases from Schedule RC-N, sum of items 1 through 8, column C, minus nonacaual dosed-end loans secured by first liens on 1-4 family residential properties in domestic offices included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, Part I, sum of items 1 through la, column A, minus total closed-end loans secured by first liens on 1-4 family residential properties in domestic offices from Schedule RC-C, part I, item l.c.(2)(a), column B. (4) Exclude loans secured by real estate that are included in Schedule RC-C, part I, item I, column A.

lPMorgan Chase Bank, National AssociatIon

Legal T itle of Bank

FFIEC 031

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FDIC Certificate Number: 00628

Page RC-9

21

Schedule RC-C-COntinued
Part I.

Continued

Memoranda-Continued Dollar Amounts in Thousands

4. Adjustable 5. Loans secured by real estate to non-U.S. addressees (domIdle) (included in

rate dosed-end loans secured by first liens on 1-4 family residential properties in domestic offices (induded in Schedule RC-C, part I, item l.c.(2)(a), column 8)

-f-___-

MA M.S

Schedule RC-C, part I, item I, column A) Memorandum item 6 is to be completed by banks that (1) together with affiliated Institutions, have outstanding aedit card receivables (as defined in the instrudions) that exceed $500 million as of the report date or (2) are aedit card specialty banks as defined for Uniform Bank Performance Report purposes. 6. OUtstanding credit card fees and finance charges included in Schedule RC-C,

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

item 6.a., column A Memorandum item 7 1$ to be completed by all bilnks.

part I, Statement of Position 03-3 (exdude loans held for sale):

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _

M.6

7. Purchased impaired loans held for Investment accounted for in accordance with AICPA

+_ a. OUtstaooing .. . ___ _ _ _ _ ____ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __

b. carrying amount included in Schedule RC-C, part I, items 1 through 9 _____________ properties in domestic offices: a. Total carrying amount of dosed-end loans with negative amortization features secured by 1-4 family residential aoo {b

M.7.a M.7.b

8. Oosed-end loans with negative amortization features secured by 1-4 family residential

properties (induded in Schedule RC-C, part I, items l.c.(2)(a)

Memorandum Items B.b and B.c are to be completed by banks that had closed-end loans with negattve amortization features secured by 1-4 f amily residential properties (as reported in Schedule RC-c, part 1, Memorandum item 8.a) as of December 31, 2007, that exceeded the lesser of $100 million or 5 percent of total /oans and leases, net ofunearned income, in domestic offices (as reported In Schedule RC-c, part 1, item 12, column 8).
b. Total maximum remaining amount of negative amortization contractually permitted on

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M.8.a

_ _ _ _ _ _ _ _ dosed-end loans secured by 1-4 family residential properties _ _ _ _ _ __ __

M.8.b

c.

Total amount of negative amortization on dosed-end loans secured by 1-4 family residential properties induded in

the carrying amount reported in Memorandum item

_ __1..!2!.!...L ..2I::!

_ _ __ __ _ __ __ 8.a a __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

M.S.c M.9

9. leNIns secured by 1-4 family residential properties In domestic ofIic:es In process of

forectosure (included in Schedule RC-c, part I, Items 1.c.(1), 1.c.(2Xa), and 1.C.(2lKIJ11)_
eIet:ted IV _nt IoaIl$ Induded ill Schedule RC-c, part .t. itMns .I
_

Memo",ndum Ifem6 10 and 11 are IV be completed by ban that have ks

Dollar Amounts in Thousands

through 9 at fIIlr lflllue UIIdeT a fair value option. ,

10. Loans measured at fair value (Included in Schedule RC-C, part I, items 1 through 9): __ _ _ a. Loans secured by real _auc'--_ _ _ _ _ (1) ConstructIon, land development, and other land ....,,. , (2) 5ecured by fannland (including fann residential and other lmpebL (3) 5ecured by 1-4 family residential properties: <a> RevolvIng, open-end loans secured by 1-4 family realdential properties and extended under lines of .....u...._ _ (b) Closed-end loans secured by 1-4 family residential properties: (1) Secured by first .....IO _ (2) Secured by junior IlCDlJ
_ _ _ _ _ _ _ _ _ _ _ _ __ __ __ __ __ ___ __ __ __ __ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M.I0.a M.lO.a.1 M.IO.a.2

M.l0.a.3.a
M.IO.a.3.b.1 M. I0.a.3.b.2

JPMorgan Chase Bank, National AssocIation

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FFIEC 031

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22

Schedule RC-C-Continued
Part 1. Continued
(Column A)
Consolidated Bank

8) Domestic

Dollar Amounts In Thousands

10. a. (4) Secured by muftifamily (5 or more) residential peI1ties.____---, (5) Secured by nonfann nonresidential propertlesL-_______.....; _ , b. Commercial and industrial ovv.....__ _ _ _ __ __ _ _ _ _ 10. Co Loans to individuals for houseboId, family, and other personal expenditures (i.e., consumer loans) (includes ptII'Chased paper):
_ ___

M.IO.a.4 M.IO.a.S M.lO.b

and all dent . ._ _______________________________+_+--------_+_+-------- __ M.l0.d __ d. OtiHw ._.,.____________________________________ ____ 11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-c, part I, Memorandum hm 10): M.11.a Loans secured by real estate _ ______________________ __ __ M.ll.a.1 (1) Construction, land development, and other land _____---, (2) Secured by fannland (Including fann residential and other
__

(l) Cnd_.,____________________________________----------- M.lO.c.l M.10.c.2 __ (2) 0dHw g ONd ,.-_______________ ____ (3) 0dHw consumer loans (includes $Ingle payment, Installment,
__

M.10.c.3

_ _.. _

M.11.a.2

(3) Secured by 1-4 family residential properties: (a> Revolving, open-end loans secured by 1-4 family residential properties and extellded under lines of ... ...._ _ ______ _ __ (b) Closed-end loans secured by 1-4 family residential properties:
_u

M.ll.a.3.a M.l1.a.3.b.l M.ll.a.3.b.2 M.ll.a.4 M.U.a.S M.11.b

Co

________--, ... __ b. Commercial and industrial _, __ ______ Loans to individuals for household, family, and oUter personal expenditures (I.e., consumer loans) (Includes purchased paper):

(I) Secured by first _.,"'________ ________ _ (2) Secured by junior __,______________ (4) Secured by multifamily (5 or more) residential PI'OIperttles.______ (5) Secured by nonfann nonresidential propertieSl__________
_ _ _

(3) Other consumer loans (Includes single payment, Installment, M.ll.c.3 ----- .nd .l dent '..l________________________________+--------M.ll.d __ _ _ __ __ __ __ d. OdHw _...._ __ __ _________________ __ ____ ___

(I) Cndft ..____________________________________+------------ M.li.c.2 (2) 0dHw revolving aecIit _.""_____________________

M.ll.c. l

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FFIEC 031

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23

Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K,. item 7) of $2 miUion or more in any of the four preceding calendar quarters.
A) Consolidated
Dollar Amounts In Thousands

Schedule RC-D-Trading Assets and Liabilities

(Column Domestlc

securities} +_-.+_- 3. Securities issued by states and political subdivisions in the U.S. 4. Mortgage-backed securities (MBS): a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (indude CMOs, REMICs, and stripped MBS) -----;;;;..I--...:.:..:.==.;.;;_f_-..:.=
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1. U.S. Treasury securltiies 2. U.S. Government agency obligations (exdude mortgage-backed

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1
2 3

4.a

4.b c. All other mortgage-backed securities -------I!_;;;;;...._-...:J.::.=!_;;;.t_-....;;= 4.c 5 5. Other debt securitles
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _'. _

6. Loans: a. Loans secured by real estate _______ (1) Construction, land development, and other land (2) Secured by farmland (including fann residential and other

6.a 6.a.l 6.a.2

(3) Secured by 1-4 family residential properties:

Ca) Revolving, open-end loans secured by 1-4 family residential properties and exl8nded under lines of (b) Closed-end loans secured by 1-4 family residential properties: (1) Secured by first ........ (2) Secured by Junlor .ROIHO __ __ ______ _ (4) Secured by multifamily C5 or more) residential propertie!I (5) Secured by nonfann nonresidential PI'OIpertles _ _ _ .. b. Commercial and Industrial ....I1. _____ __ ____ Co Loans to Individuals for household, family, and other personal expenditures (Le., consumer loans) (includes purchased paper):
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

6.a.3.a 6.a.3.b.l 6.a.3.b.2 6.a.4 6.a.5 6.b

and ., dent loaft d. ......,______________________________________________

7. - 8. Not applicable 9. Other trading 0=.,"' LO. Not apptlcable Ll. Derivatives with a positive fair va'llc L2. Total trading assets (sum of Items 1 through 11) (total of column A must equal Schedule RC, item 5)

(2) Other revolving credft ....".. (3) Other consumer loans (lnc;ludes single payment, Installment,

(l) Cndft am.

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ _ __

6.C.l -+;_------,_------

__ __ __ _ __ __ __ __ _ __ __ _

6.c.2

__ __ __ _ __ __ __ __ __ __ __ __ __ __ __ __ __

llL+_--f_--

__

6.c.3 6.d
9

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _

_ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _

-j

11

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

..: L:!:::..L...2! L.:!:L_....=.J 12

UABlUlIES
l3. a. Uability for short positions

OdHr ln. lbdHIH

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

------I;..t--r;;:::-Ir_-
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _

l4. Derivatives with a negative fair va'l .5. Total trading liabilities (sum of Items 13.a through 14) (total of column A must equal Schedule RC, Item 15)

_;----_:

13.a 13.b 14

L2!!!!z!!!!L!!!.!.! 15

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FFIEC OJl Page RC-12

24

Schedule RC-D - Continued

Memoranda

(Column A) Consolidated Dollar Amounts in Thousands

DomestIc

B)

1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, Items 6.a through 6.d): _ Loans secured by real estate _ _ _ _ _ _ _ _ _ _ _ _ _ _ (1) Construction, land development.. and other land _'....._______ (2) Secured by farmland (Including farm residential and other
_

M.1.a M.1.a.l M.1.a.2

(3) Secured by 1-4 family residential properties:

(a) Revolving, open--end loans secured by 1-4 family residential properties and extended under lines of (b) CIosed--end loans secured by 1-4 family residential properties: (1) Secured by first _.'..____________ _ (2) Secured by junlor .IQI,..__________ __ (4) Secured by multifamily (5 or 1I1OIe) residential proper1ties. ____ _ (5) Secured by nonfarm nonresidential projper1:ie&________ b. Commercial and 1ndustrIaI ..._.... Co Loans to Individuals for household, family, and other personal expenditures (Le., consumer loans) (includes purchased paper):
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M.1.a.3.a M.l.a.J.b.! M.1.a.3.b.2 M.l.a.4 M.1.a.S M.1.b

M.l.c.l (l) Cred _,,_________________________+----------

_ (2) Other revolving aedlt _" _____________ (3) Other consumer loans (includes single payment, Installment, M.1.e.3 and all t __._I'__ _ _ _ _ _ _ _--------------- _ _ _ _ __ _ _ M.1.d __ d. OUMw _________________________
__

M.I.c.2

3. Loans measured at fair value that are past due 90 days or more: (1)
_

2. Not applicable

__ a. F u _________________________________________ -------_r---------- _ M.3.b ____ _______ b. Uld prindpal -,.m.__________ _________

M.3.a

Nemorandum Items 4 t:lt1VUfllt 1.0 are to be completed by banks t:Itat I'8f1OI'Ied awtr.llfle tradInrI assets

(Schedule RC-K, ,.", 7) of $1 billion or II10Ie In any of t:Ite four preceding caIendIIr qUIJrtenI.

4. Asset-backed securities: _ _ a. Residential mortgage-backed securitiesLed securitles;_________________ b. Commercial mortgage-back _ _ _ co Credlt aHd es; d . Home eq U ru. _ ____________________________ _ _ i
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ___ _ _ _ _ _ __ _ _ __ __ _ _ __ _ _ _ __ _ _

Dollar Amounts in Thousands

h. Othw 5. Collateralized debt obligations: a . __ b. Oth__ ,____________ 6. Retained beneficial interests In securItizatfons (first-loss or equity tnlnches)
___ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ _

M.4.a M.4.b M.4.c M.4.d M.4.e ; e. AIe ns________________________________________ ____ M.4.f ; f. Other consumer ns____________________________ M.4.g __ ; g . and lnd .____________________________________ __ M.4.h
_ _ ___ _ __ __ ___ ___ __ __ __ __ __ ___ __ ___ __ __ ___ ___ ___ __ ___ ___ ___ ___ ___ __ __ ___ __ __ __

+-

M.S.a M.S.b M.6

JPMorgan Chase Bank, National Association legal Title of Bank

FDIC Certificate Number: 00628 Submitted to COR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-13

25

Schedule RC-D - Continued

Memoranda - Continued Dollar Amounts In

7. Equity securities: , a. Readily determinable fair values

_ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ , a. Loans pending sec:uritizatlon_

M.7.a M.7.b .----- -- M.8

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

9. Other trading assets (Itemize and desafbe amounts included In SchedUle RC-D, Item 9, that are greater than $25,000 and exceed 25'Mt of the Item):
__

M.9.a a . ----------------------------------- ---------;_----- M.9.b b. ------ M.9.c

c.

10. Other trading liabiRties (Itemize and describe amounts induded in Schedule RC-D, Item 13.b, that are greab!r than $25,000 and exceed 25CV of the Item): o
a. b.
C.

------;_- M.I0.b M.I0.c -------- L_

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ _ __ __ __ __ __ __ __ __ __ __ __ __ __

M.I0.a

lPMorgan Chase Bank, National Assodation

Legal TItle of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FAEC Oll Page RC14

26

Schedule RC-E-Deposit Uabilities

Part I. Deposits in Domestic OffIces
Nontransaction Transaction Accounts

(Column A)
Total transaction accounts (including total demand Dollar Amounts in Thousands

(Column B)
Memo; Total demand deposits (induded in nontransaction accounts

1. Individuals, partnerships and corporations (include all certified and official checks) _ ;.;,;:..+_ ;:::;:!.: = 2. U.S. Govemrnent _ _ _ _ _ _ __---ll-=::.:..,I- ::.:..:= _ _ _ 3. States and political subdivisions in the U.S. _ _ _ _ 4. COmmercial banks and other depository institutions in the U.S. -----_______;;;,:.:+--=:r.:..:::::. ::; 5. Banks in foreign countries _ _ _ _ _ _ _ 6. ForeIgn governments and officia l institutions (including foreign central banks) _ _ ___ 7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule Re, -L!...L_!.l..!::!!!..L.......! 2L..!!:!!I!!!!!J item 13.a) .
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1 2 3 4 5 6

Memoranda
1. Selected components of total deposits (I.e., sum of item 7, columns A and C): a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts _ _ b. Total brokered deposits c. Fully insured brokered deposits (included in Memorandum item l.b above): (1)
_

Dollar Amounts in Thousands

_ _
_ _

_ _ _ _ _ _

++- M.1.a
M.l.b M.1.e.l M.l.c.2

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(1) Brokered deposits issued in denominations of less than $100,000 with a remaining __ _ maturity of one year or less (induded in Memorandum item 1.e.(l) above) _ _ __ (2) Brokered deposits issued in denominations of $100,000 or more with a remaining maturity of one year or less (included in Memorandum Item l.b above) _ _ _ _ _ e. Preferred deposits (uninsured deposits of states and par ltical subO lVisions In the U.S. reported in item 3 above which are secured or collatertized as required under state law) (to be completed for the December report only) ____ ___ _______ 2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.t must equal item 7, column C above): a. Savings deposits: (1) Money market deposit accounts (MMOAs) ----------.:=;!4- (2) Other savings deposits (excludes MMOAs) _ 4==-t-_..:::.:.t.:.:..ZoI _____ -I.=::::!..._-22 b. Total time deposits of less than $100,000 .I ___ _ _____ _ _ _ _ _ c. Total time deposits of $100,000 or more _ _ _ __ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(1) Brokered deposits Issued in denominations of less than $100,000 (2) Brokered deposits issued in denominations of $100,000 and certain brokered nmnsneM a d. Maturity data for brokered deposits:

_ _ _ _ _ _ _ _ _ _ _

__ __ __ __ __ __ _ _ __ _ __ __ _ __ _ _ _ __ __ __ __ __ _

M.1.d.l M.1.d.2

M.1.e

(1) Individual Retirement Accounts (IRAs) and Keogh Plan accounts induded In Memorandum item 2.c, "Total time deposits of $100,000 or more,. above

_ _

M.2.a.l M.2.a.2 M.2.b M.2.c

_ _ _ _ _ _ _ _

..J.!:!:!:!-L

M.2.c.l

(1) Report brokered retirement deposit accounts eligible for $250,000 in deposit Insurance coverage In Memorandum Item 1.c.(l) only If they have been iSSUed in denominations of less than $100,000 (see instructions). Report brokered retirement deposit accounts in Memorandum item 1.e.(2) if they have been issu ed either in denominations of exactly $100,000 through exactly $250,000 or in denominations greater than $250,000 and participated out by the broker in shares of exactly $100,000 through exactly $250,000.

JPMorgan Chase Bank, National AIIIIoc:iation

itle Legal T of Bank FDIC Certificate Number: 00628 SUbmitted to COR on 2/12/2009 at 5:47 PM

FFIEC 031

Page RC-15

27

Schedule RC-E-Continued
Part I. Continued
Memoranda-(ontinued
Dollar (1) Three months or less (2) OVer three months through 12 months (3) OVer one year through three years (4) OVer three years b. Time deposits of less than $100,000 with a REMAINING MAlURITY of one year or less (included in Memorandum items 3.a.(1) and 3.a.(2) above) (3) 4. Maturity and repricing data for time deposits of $100,000 or more: a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of: (I, 4) 3. Maturity and repricing data for time deposits of less than $100,000: a. Time deposits of less than $100,000 with a remaining maturity or next repridng date of: (1, 2) M.3.a.l M.3.a.2 M.3.a.3 M.3.a.4 M.3.b In Thousands

(1) Three months or less (2) OVer three months through 12 months (3) OVer one year through three years (4) OVer three years b. Time deposits of $100,000 or more with a REMAlNING MATURfTY of one year or less (Included in Memorandum items 4.a.(I) and 4.a.(2) above) (3)

M.4.a.l M.4.a.2 M.4.a.3 M.4.aA M.4.b

(1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repndng date. (2) Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b. (3) Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repridng date of one year or less that have a remaining maturity of over one year. (4) Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.

Part II. Deposits in Foreign OffIces (indudlng Edge and Agreement subsidiaries and IBFs)
Dollar Amounts in Thousands

DeposIts
1. Individuals, partnerships, and corporations (indude all certified and offlcial checks) 2. U.S. banks (induding IBfs and foreign branches of U.s. banks) and other U.S.
_ _ _ _ _ _ _ _ _

----,

de instmmons 3. Foreign banks (induding U.S. brandies and agencies of foreign banks, including their IBFs) 4. Foreign governments and offidal lnstltutlons (including foreign central banks) 5. U.S. Government and states and political subdMsions In the U.S. 6. Total (sum of items 1 through 5) (must equal Schedule Re, item 13.b)

_ __ __ __ _ __ __ __ __ __ __ __ __ __ __ _ __ _ __ _ __ _ __ _ _ _

--------

-------------l-.J!!
-

_;r_ 2

----_ _ _ _ _ _ _ _ _ _ _ _ _

4 ..!!! 4 5 t-:::-::-t-::_::::_:"=:1 ---.:!!!!&!!! !!J 6

Memorandum
1. Time deposits with a remaining maturity of one year or less (included in Part fi, item 6 above)

Dollar Amounts in Thousands

_ __ _ _ _ _ _ _ __ _ __ _ __ _ _ _ _ _ _ _ _ _ _

.L .-C:..._!!!J M.I

lPMorgan Chase Bank, National AssocIation

Legal TItle of Bank

FREe 031 Page RC-16

FDIC Certificate Number: 00628

Submitted to CDR on 2/12/2009 at 5:47 PM

28

Schedule RC..F-Other Assets

Dollar Amounts In Thousands l. im re (l) 2. Net deferred tax assets (2) 3. Interest-only strips receivable (not in the form of a security) (3) on: a. Me IOO
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

__

1
2

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ _ __ _ __ __ __ __ __ __ _ _ _ __ _ __ __ __ __ _ _ __ __ __ _ _ __ __ __ __ __ __ _ __ __ __ __ __ _

b. Other finandal assets 4. Equity securities that DO NOT have readily determinae fair values (4) 5. ute insurance assets ------ -------------- -- 6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of this item) TEXT a. b. c.
d.

-I ....I- ..:.:.;. 4 _ ., - =

i_------ 3.a =:I.;:;:;:.j 3.b ;. +;;;;:;+_ _

__ __ __ __ _ __ __ _ __ _ __ _ __ __

_ _ _ __ __ _

-++-....l!

56

6.8 6.b 6.c 6.d 6.e 6.f 69 7

e. +_------_rf. g. ----. .l.!.!!:!.L- 7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)
__ _ __ __ __ __ _ _ __ __ __ _ __ _

SChedule RC-G-Other Uabilities

Dollar Amounts In Thousands 1. a. Interest accrued and unpaid on deposits in domestic offices (5) -------t-_=_ b. Other expenses acauecf and unpaid (indudes accrued income taxes r_ -- e) --------------'-1 1--....1--2. Net deferred tax liabilities (2) -I--..l! 3. Allowance for credit losses on off-balance sheet credit exposures 4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25% of this item) TEXT a. Accounts b.
__ __ __ __ _ __ __ __ __ _ __ __ __ __ __ __ _ __ __ _ __ __

l.a
1.b 2 3 4

-------------

----------

_ __ __ __ __ __ _ __ _ __ __ __ __ __ _

_ _ _ _ _

f.

+_-------_r-

g. -------1..!=-'5. Total (sum of ite 1 through 4) (must equal Schedule RC, item 20)
_ _ _ _ _ _ _ _ _ _ _ _ _

4.a 4.b 4.c 4.d 4.e 4.f 4.g

__

!; .!!!2!!. 5

(2) See discussion of deferred income taxes in Gio5saIY entry on "income taxes."

(1) Indude acaued interest receivae on Ioa, leases, debt securities, and other Interest-bearing assets.

(3) Report interest-only strips receivable in the form of a security as available-for sale securities in Schedule Re, item 2.b, or as trading assets in Schedule Re, item 5, as appropriate. (4) Indude Federal Reserve stock, Federal Home \.oiIn Bank stock, and bankers' bank stock. (5) For savings banks, indude "dMdends" acaued and unpaid on deposits.

JPMorgan Chase Bank, National AssocIation

legal lltle of Bank
Submitted to CDR on 2/12/2009 at 5:47 PM

FDIC Certificate Number: 00628

FFIEC 031 Page RC-17

29

Schedule RC-H-Selected Balance Sheet Items for Domestic Offices

DoHar Amounts in Thousands

1. and 2. Not applicable 3. Securities purchased under agreements to resell ___________________-+;..;.;-..:.:::::.:::.:.:.::.:::=.t ; : 4. Securities sold under agreements to repurchase ------1--+---=-;.:.;;..;==_1 5. Other borrowed money ___________________________ EITHER 6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs ____________
_

3 4 5 6 7 8
9

7. Net due to own foreign offices, Edge and Agreement SUbsidiaries, and IBFs ___________ 8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and IBFs) ______________________________ 9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and IBFs)

OR

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

L_

11. U.S. Government agency obligations (exclude mortgage-backed securities) ____________.j..!::=!.+-_ 12. Securities issued by states and political subdivisions in the U.S. _______________-J 13. Mortgage-backed securities (MBS): a. Pass-through securities: (1) Issued or guaranteed by FNMA, FHLMC, or GNMA _________________+-__+----=.1.--.. --., (2) Other pass-through securItIes _____________________ b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by FNMA, FHLMC, or GNMA -------+_-...:.::===_t _ (2) All other mortgage-backed securities _____ _________ ____I_.....:::.;;;; ..;. .:..: ;.:;; _ 14. Other domestic debt securities (Include domestic asset-backed securities) ____________-+_-+-_=__. ____ 15. Foreign debt securities (Indude foreign asset-backed securities) ___________ 16. Invesbnents in mutual funds and other equity securities with readily determinable fair value5 ______________________________ 17. Total amortized (historical) cost of both heId-to-maturity and avaHabie-for-sale securities (sum of Items 10 through 16) ______________________
_

In Items 10-17, report the amortized (historical) cost of both heIcI-to-maturity and avallable-for-sale securftfes In domestic offices. 10. U.S. Treasury securities --------+_I_-...;==4 10
11 12

13.a.1 13.a.2 13.b.l 13.b.2 14 15 16 17 18

..; 18. Equity securities that do not have readily determinable fair values ______________--L..;..--'"_....= _..

Schedule RC-I-Assets and liabilities of IBFs

To be completed only by banks with IBFs and other -foreign- offices.
1. Total IBF assets of the consolidated bank (component of Schedule RC, Item 12) 2. Total lBf liabilities (component of Schedule Re, item 21) Dollar Amounts In Thousands

RCfN Bli I Mil I Thou

2133 2898
57.206.000 26.665.000

1 2

JPMorgan Chase Bank, National Assodation

legal r of Bank ltle

FFIEC 031 Page RC-18

FDIC CertifICate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

30

Schedule RC-K-Quarterly Averages (1)

Dollar Amounts in Thousands ASSETS 1. Interest-bearing balances due from depository institutions 2. U.S. Treasury securities and U.S. Government agency obligations (2) (exduding mortgage-backed securities) .;;.:.....- ::.:.!::;.: ... .. ..:;,l; .:.. :; 3. Mortgage-backed securities (2) '-4. All other securities (2, 3) (indudes securities issued by states and political subdivisions in the U.S.) -----4==- 5. Federal funds sold and securities purchased under agreements to resell 6. Loans: a. Loans in domestic offices: (1) Total loans ----, (2) loans secured by real estate:
__ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1 2 3 4 5

_ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

6.a.1

6.a.2.a (b) All other loans secured by real eR _ 6.a.2.b (3) Loans to finance agricultural production and other loans to farmers -----+_--.:..:.:::.=.::::=-i 6.a.3 (4) Commercial and industrlal loans 6.a.... (5) loans to individuals for household, family, and other personal expenditures: (a) Credit cards 6.a.5.a (b) Other (indudes single payment, installment, all student loans, and revolving 6.a.S.b credit plans other than credit cards) --------1
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(a) Loans secured by 1-4 family residential prfl..,..tiell

..l.!!!!:..l-.2! .

b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs --------J,.;;;.;.;__ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _

6.b

4_ 7 7. Trading assets 8. Lease financing receivables (net of unearned income) -------1;;.;,..I_-..::.1:;.:::;J:=::.j 8 9 9. Total assets (4)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

LO. Interest-bearing transaction

accounts in domestic offices (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) (exclude demand deposits) Ll. Nontransaction accounts in domestic offices: a. Savings deposits (lndudes MMOAs) b. Time deposits of $100,000 or more Co Time deposits of less than $100,000

UABIlITIES

_ _ __ _ _ _ _ _ _ _ _

10 l1.a !l.b 11.c 12 13 14

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

++-.::!!I
.:;;...

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

;.;;.;._I_....=:.:...:.: = . .;

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs --------l:.:.... 13. Federal funds purchased and securities sold under agreements to repurchase 14. Other borrowed money (indudes mortgage indebtedness and obligations under capitalized leases)
_ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _

.-L !...L_...!.:!.:

(1) For aU Items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each week of the quarter). (2) Quarterly averages for all debt securities should be based on amortized cost. (3) Quarterly averages for all equity securities should be based on historical cost. (4) The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable fair values at the lower of cost ot fair value, and equity securities without readily detennlnable fair 'lalues at historical cost.

lPMorgan Chase Bank, National AssocIatIon

Legal T of Bank itle FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-19

31

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-l are regarded as vo/ume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands 1. Unused commibnents: a. Revolving, open-end lines secured bV 1-4 family residential properties, e.g., home eqUitv llnes b. Credit card lines c. (1) Commitments to fund commercial real estate, construction, and land delleiopment loans secured by real estate: (a) 1-4 family residential construction loan commitments (b) Commercial real estate, other construction loan, and land
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Schedule RC-L-Derivatives and Off-Balance Sheet Items

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

-l--.!!; La 1.b

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1.c.1.a 1.c.1.b l.c.2 1.d I.e 2 2.a 3. 3.a 4

development loan commitments (2) Commitments to fund commercial real estate, construction, ..;.;...+_ = - and land development loans NOT secured by real C>ll"u:: d. ooes unng r_ - - - e. Oth OOused cornmitments _+- 2. financial standby letters of credit and foreign office guarantees --------,r---,...= --= ---I L_ ::.:.l.:: a. Amount of financial standby letters of credit conveyed to others ---3. Performance standby letters of credit and foreign office guarantees --------r---.-L.::!!!..L_-2I !. a. Amount of performance standby letters of credit conveyed to others __
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ __ __ __ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ __ _ _ __ __ _ __ __ _ _ _ _ __ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

4. Commercial and similar letters of credit 5. Not applicable 6. ritjes lent (induding customers' securities lent where the customer is indemnified against _ _ _ _ _ _ _ _ _ .,--_ . ---.,._ loss by the reporting bank)
_ __ __ __ _ _ _ _ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _

7. Credit derivatives: a. Notional amounts: (I) Credit default swaps -------ij...:.:.:-.....;;::.:!.:.:.=f.4--:.l.:.::::.:..::.:= (2) Total return swaps .:.: -+= -I- -!. ;;:.:.;=_+-....:::l.: = ::.:.:. _ (3) Credit options -----t.4-1.:::.!:!.4-- ---' (4) Other credit derivatives b. Gross fair values: (1) Gross positive fair \/alule _I_- (2) Gross negative fair value -L: :..L_ =.a...:::=...'____= .:.= = = ..I ::: 8. Spot foreign exchange contracts 9. All other off-balance sheet liabilities (exdude derivatives) (itemize and describe each component of this item over 25% of Schedule RC, item 28, "Total equity capital")
_ __ _ __ _ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _ _ _ _ _ _ __ _ __ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _ _ _ _ _ _ _ _ _ __ _ _ _

7.a.l 7.a.2 7.a.3 7.a.4 7.b.1 7.b.2 8 9 9.a 9.b 9.c 9.d 9.e 9.f 10 10.a 10.b 10.c 10.d 10.e

TEXT

a.

c.

mmmmuw

Standby letters of credit Issued by a Federal Home Loan Bank

__ __ __ __ __ __ __

d. ----------------------------e. f.

10. All oth off-balance sheet assets (exclude derivatives) (itemize and describe _ _ _ __ _ _ _ each component of this item over 25% of Schedule RC item 28., "Total equity capital") TEXT a. Commitments to sell when--lssued secuOOes b. c. ----_+---7 d.
__ _

-----;-

__ ___ __ __ __ __ __ __

_+---------

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ ___ __ __ __ __ __ __ __

e.

---r_--_7

JPMorgan Chase Bank, National Assodation

Legal Title of Bank FDIC Certificate Number: 00628 SubmittEd to COR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-20

32

Schedule RC-L-Continued
11. Year-to-date merchant credit card sales volume: a. Sales for which the reporting bank is the acquiring bank b. Sales for which the reporting bank is the agent bank with risk Dollar Amounts in Thousands
__ _ _ _ _ _ ...... --10. -"-t-;_-....... -- _t

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

l1.a l1.b

(Column C) Equity

12. Gross amounts (e.g., notional amounts) (for each column, sum of items 12.a through 12.e must equal sum of items 13 and 14): a. Futures contracts -+_==
_ _ _ _ _ _ _ _

12.a
12.b 12.c.l

c. Exchange-traded option contracts:

b. Forward contracts

_ _ _ _ _ _ _ _

+-..;;.1;::.;..;.:.;.;;.;;.:..;;.;; ;.;;

(1) Written options

__ __ _ _ _ _ _

--J._2
+-__;.;;=__

(2) Purchased options d. Over-the-counter option contracts: (1) Written options

(2) Purchased options

_ _ _ _ _ _

12.c.2 12.d. l
12.d .2

_ _ _ _ _ _ _

-I--:

_ _ _ _ _ _

= .l; --+-:..:;.:".=

e. SWa 13. Total gross notional amount of derivative contracts held for trading 14. Total gross notional amount of derivative contracts held for purposes other than trading a. Interest rate swaps where the bank has agreed to pay a fixed rate 15. Gross fair values of derivative contracts: a. Contracts held for trading: (1) Gross positive fair value

_ _ _ _ _ _ _ __ _ _ __

12.e 13

_ _ _ _

_ _ _ _ _ _

= _ +- ...:.:.l=

14

_ _ __ _ __

14.a

_ _ _ _ _

+-...!.:.!.22:.

Is.a. l

(2) Gross negative fair value b. Contracts held for purposes other than trading: (1) Gross positive fair value (2) Gross negative fair value

_ _ _ _ _

Is.a.2

_ _ _ _ _

_ = -+ .-: = = = '--_--=

Is.b.1 Is.b.2

_ _ _ _ _

JPMorgan Chase Bank. National Association

Legal TItle of Bank FDIC Certificate Number: 00628 Submitted to COR on 2/12/2009 at 5:47 PM

I
Dollar Amounts In TlKJUSatllm;

FFIEC 031 Page RC-21

33

Schedule RC-M-Memoranda
1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date:

a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests b. Number of executive officers, directors, and prindpal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose In agency regulations ----------" 2. Intangible assets other than goodwill:
__ __ _ _ __ _ __ _ _ __ __ _ __ _ __ _ __

_ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ __ _

1.a

__

.;...____...:.. .,J.

1.b 2.a 2.a.l 2.b 2.c 2.d 3.a 3.b.l 3.b.2 3.b.3 3.b.4 3.b.S 3.b.6 3.b.7 3.c

a. Me dng _. r_ r_ ----(1) Estimated fair value of servidng assets ---I I..._ .. +:+--..:..:.:= b. Purchased credit card relationships and nonmortgage servidng assets c l other lnOOae intanwe assets ---- d. Total (sum of Items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) 3. Other real estate owned: -+___a. Direct and indirect investments in real estate ventures b. All other real estate owned: (1) Construction, land development, and other land in domestic offices --------+__i---...:;..I;
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ __ _ __ _ _ _ _ _ _ __ _ __ __ __ __ __ _ __ _ _ _

_ __ __ __ _ _ _ _ _ _ _

_ _ _ _ __ _ _ __ _ __ __ __ __ __ _ _ _

(2) Farmland in domestic offices -I----_=_t ++---:.:=..:.=:.=.j (3) 1-4 family residential properties in domestic offices --+ -+ _ = _ _ _ (4) MultifamHy (S or more) residential properties In domestic offices (S) Nonfarm nonresidential properties in domestic offices --------i---t---;.;;.:,; (6) Foreclosed properties from uGNMA loans --------t
_ _ _ _ _ _ _ __ _ _ __ _ _ _ _ _ _ _ _

_ _ __

_ _ _ __ _ _ _ _ _ _ _ _ _ __ _ _ _

_ _ _ _ _ __ _ _ _ _ _ _ _

lCeS (7) In foreign off

_ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

+-_

c. Total (sum of items 3.a and 3.b) (must equal Schedule RC, item

7)

__ _ __ _ _ _ _ _ __ _ __ _ __

4. Investments in unconsolidated subsidiaries and associated companies: a. Direct and indirect investments in real estate ventures --------t-:--""""'ir--t 4.a b. All other investments In unconsolidated subsidiaries and assodated companies ------J.;::-- 4.b 4.c c. Total (sum of items 4.8 and 4.b) (must equal Schedule RC, item 8) 5. Other borrowed money: a. Federal Home Loan Bank advances: (1) Advances with a remaining maturity or next repridng date of: (1) -- S.a.l.a (a) One yr or l S.a.l.b (b) Over one year through three years -----t:;;+-5:.t S.a.l.c .. -=....'i ---- --- I- +-- -(c) Over three years through five years S.a.l.d (d) Over five years (2) Advances with a REMAINING MATURIlY of one year or less (included in item -I;;;.;-..;;!.::..:;::: = S.a.2 _ _____ ___ S.a.(l)(a) above) (2) _ __ S.a.3 __ _ _ (3) Structured advances (Included In Items S.a.(l)(a) - Cd) above)
_ _ _ __ _ _ _ _ _ _ _ _ _ _ _ __ _ _ __ _ __ __ _ _ __ _ _ _ __ _ __ __ _ __ __ __ _ _ _

---

--

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _

_ _

_ _ _ _ _

_ _

_ _

_ _ _ _

_ __

b. Other borrowi ngs: (1) Other borrowings with a remaining maturity or next repridng date of: (3) +::!::!-..22 (a) One year or less (b) Over one year through three years -----.J.!::+_-- (c) Over three years through five years ------J.,:..:::::..+--!.I (d) Over five years (2) other borrowings with a REMAINING MATURITY of one year or less (included in ++- item S.b.(l)(a) above) (4) !. .!!!L2!!!J c. Total (sum of Items 5.a.(1)(a)-(d) and Items 5.b.(1)(a)-(d (must equal Schedule RC, item 16)
_ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ __ _ _ __ _ _ _ _ __ _ _ _ _ _ _ _ __ _ _ _ _ _ _ __ __ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ __ __ __ _ _ __ __ __ __ __ _ _ __ __ __ _ __ _ _ _ _ _ _ _

S.b.l.a S.b.1.b S.b.1.c S.b.l.d S.b.2 S.c

(1) Report fixed rate advances by remaining maturity and floating rate advances by next repridng date. (2) Report both fixed and floating rate advances by remaining maturity. Exdu floating rate advances with a next repricing date of one year or less that have a remaining maturity of over one yr. (3) Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date. (4) Report both fixed and floating rate other borrowings by remaining maturity. Exd floating rate other borrowings with a next reoridna date of one vr or less that have a remainina maturitY of over one year.

JPMorgan Chase Bank, National Association

Legal TItle of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFlEC 031 Page RC-22

34

Schedule RC-M-Continued
DoDar Amounts In Thousands 6. Does the reporting bank sell private label or third party mutual funds and annuities?
..;..:;:.:. -'--_...._ YES_--' ...

YES / NO

_ _ _ _ _ _ _ _ _ _

7. Assets under the reporting bank's management in proprietary mutual funds and annuities 8. Primary Internet Web site address of the bank (home page), if any (example: www.examplebank.com) (TEXT 4087) http ://WWW.jpmorganchase.com 9. Do any of the bank's Internet Web sites have transactional capability, i.e., allow the bank's customers to execute transactions on their accounts through the Web site?

fRa=D f

8570 _

Bil l Mil l Thou

1 58,151 ,000.

8
... ....;.;:;:;... ; -,_ "IUOO _ _ yES _ -'_ _ _ _ _ _ _ _ _ _ _

I I

YES I NO

10. Secured liabilities: a. Amount of "Federal funds purchased in domestic offices" that are secured (lnduded in Schedule RC, Item 14.a) b. Amount of "Other borrowings" that are secured (included in Schedule RC-M, items 5.b.(1)(a)-(d

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

-1-....;._ ..

10.a 10.b

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

----.! ..L =_ _C

JPMorgan Chase Bank, National Association

Legal T of Bank itle FDIC Certificate Number: 00628 SUbmitted to COR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-23

35

Schedule RC-N-Past Due and Nonaccrual Loans, Leases, and Other Assets
(Column A) Past due 30 through 89 days and still 1. Loans secured by real estate: a. Construction, land development, and other land loans in domestic offices: Dollar Amounts in Thousands (Column B) Past due 90 days or more and still (Column C) Nonaccrual

(1) 1-4 famUy residential construc:tion ........ (2) Other c:onstrud:ion loans and an land t and _ land RMn.

_ _ _ _ _

1.a.1

_ __ __ __ __ __ __

b. Secured by farmland in domestic offices c. Secured by 1-4 family residential properties in domestic offlces: (1) Revolving, open-end loans serured by 1-4 family residential properties and extended under lines of credit (2) OosecJ-end loans secured by 1-4 family residential properties: (a) Secured by first lienS (b) Secured by junior liens d. Secured by multifamily (5 or more) residential properties In domestic offices e. Secured by nonfarm nonresidential properties properties in domestic offices:

__ _ _ _ _ _ _

+_--+_------+_---- 1.a.2
1.b

_ _ _ _ _ _ _ _ _

1.c.1

-----+_----==+-...!.I:::::i
_ _ _ _ _ _ _ _ _ _ _ _ __ _ __ _ __ _

1.c.2.a 1.c.2.b 1.d

--;

(1) Loans secured by owner-oc:cupied nonfann mmdI . (2) Loans secured by other nonfarm mmresidMti. I
f. In foreign offices 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository instiWti b. To foreign banks 3. Loans to finance agricultural production and other loans to farmers 4. Commercial and industrial loans: a. To U.S. addressees (domicile) b. To non-U.S. addressees (darnldle) 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards b. Other (indudes single payment, instaHment, all student loans, and revoJving credit plans other than credit cards) 6. Loans to foreign governments and official

__ _ _ _ __ _ __ __

1.e.1 l.e.2 1.f

_ __ _ _ __ _ _ __

_ __ __ _ _ _ __ _ __ _ _ __ _

_ __ __ _ __ _ _ __ __ _ _ _ _ __ __

_ _ _ _ __ _ _ _ _ _ __ _ _ _

+;+_----7?+_------;_----

2.a 2.b 3 4.a 4.b

_ _ _ _ _ _ _ _ _ _ __ _ _

_ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _

++--=---2;;_,I_-

_ _ __ __ __ _ _ __ _ _ _ _ __ _ __

S.a

_ _ __ _ _ _ _ _

S.b 6 7

-----------

7. M other loans

__ __ __ __ __ __ __ __ __ __ __ __ __

----

--

---4----t_--------

__

__ __

__ __

]PMorgan Chase Bank, National Assodation

legal Title of Bank

FDIC Certificate Number: 00628 SUbmitted to COR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-24

36

Schedule RC-N-Continued
Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report In item 10 below certain guaranteed loans and leases that have already been induded In the amounts reported in items 1 through p... ..,..... _ __r ___, (Column C) (Column A) Nonacaual Past due 90
_ _ _ _ _ _

Dollar Amounts In Thousands and al res ______ __ ______+b. l mh leases 9. Debt securities and other assets (exclude mh real estate owned and other repossessed assets) 10. Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.s. Govemment __ a. Guaranteed portion of loans and leases included in item 10 above (exdude rebooked "GNMA b. Rebooked "GNMA loans" that have been repurchased or are eligible for repurchase Included L_ in lmm l0 above
__ __ __ __ __ _ __ __ __ __ _ _ __ __ __ __ __ _ _ _ _ _ _ _ _ _ _ _ _ ______

8. Lease finandng receivables: a. Leases to individuals for household, family,

__ __

+-

__ __ __

+-

__ __

8.a
9

S.b

10 10.a

__

__ __ ____

__

10.b

Past due 30 through 89 days and stili

(Column 8) Past due 90 days or more and stili

(CoIumn C) Nonacaual

Memoranda
1. Restructured loans and leases included in Schedule RC-N, items 1 through 8, above (and not reported in Schedule RC-C, Part I, Memorandum item 1): Dollar Amounts in Thousands

_ ___ __ __ __ __ ___ ___ __ 1 ..lb"_ 2. Loans to finance commercial real estate,

a. Loans secured by 1-4 family residential _ m c b. Other loans and l1li leases (exclude loans to individuals for household, family, and other

_ __ __ __ __ __ __ __ __

M.l.a

M.1.b

construction, and land development activities (not secured by real estate) Included In Schedule RC-N, items 4 and 7, above 3. Loans secured by real estate to non-U.S. addressees (domldle) (included in Schedule RC-N, item 1, above) 4. Not applicable

_ __ _ __ __ __ _ _ _

M.2
_ .-;;.! _ -'-_ ; . :.:; ..!!.L.:::::...J._____:.&..;;;;;;.;;.

_ _ __ _ _ _ __ __ _

!: ---.ll..!::!...J

_ _ _ _

M.3

JPMorgan Chase Bank, National Association

Legal TItle of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-25

I
) Past due
30 through 89 days and still

37

Schedule RC-N--COntinued
(Column B) Past due 90
days or more and still (Column Nonacaual

Memoranda-continued
Dollar Amounts in Thousands S. Loans and leases held for sale and loans measured at fair value (Included in Schedule RC-N, items 1 through 8 above): a. Loans and leases held for M.S.a b. Loans measured at fair value: (I) Fair .' =4 M.S.b.l (2) Unpaid principal balllIIQ!!__________:!...I.____2.J. . _ _ _ .2J.:..L_!2J M.S.b.2
_._' _ _ _ _ _ _ _ _ _ _ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

Dollar Amounts in Thousands 6. Interest rate, foreign exchange rate, and other commodity and equity contracts: Fair value of amounts carried as assets

(Column A) Past due 30 through 89 days

(Column 8) Past due 90 days or more

_ _ _ _ _ _ _ _

M.6

7. Additions to nonacaual assets during the quarter 8. Nonaccrual assets sold during the quarter

Schedule RC-o-other Data for Deposit Insurance and FICO Assesments s

All banks must complete items 1 through 3, Memorandum Item 1, and, If applicable, Memorandum Items 2 and 3 each quarter. Each bank that reported $1 billion or more In tubII aaets In lis Mardi 31, 2007, Report of Condition mu.t complete Items 4 through 15 each quarter. In addition, each bank that reported $1 billion or more In total assets In two consecutive Reports of Condition beginning with its June 30, 2007, report must begin to complete items 4 through 15 each quarter starting six months after the second c:onsecutIve quarter In which It reports total assets of $1 blilon or more. Each bank that becomes Insured by the FDIC on or after April 1, 2007, must complete Items 4 through 6 each quarter. Any other bank may choose to complete Items 4 through 6, but the bank must then continue to complete items 4 through 6 each quarter thereafter. Dollar Amounts in Thousands
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1. Total deposit liabilities before exclusions (gross) as defined in section 3(1) of the Federal DeposIt Insurance Act and FDIC regulations 2. Total allowable exclusions, Including i...... acaued and unpaid on allowable

1 2 3 4 5 6

exdusions (including foreign deposits) 3. Total foreign deposits, Including interest ac:crued and unpaid thereon (mduMd ln ftem 2 a) 4. Total daily average of deposit liabilities before exclusions (gross) as defined in section 3(1) of the Federal Deposit Insurance Act and FDIC regulations 5. Total dally average of allowable exclusions, Induding Interest accrued and unpaid on allowable exclusions (Including foreign deposits) 6. Total daily average of foreign deposits, inducIIng Interest acauecl and unpaid (I in ftem 5 ae)

__ __ _ _ __ __ _ _ _ __ __ _ _ _ _ _ _ _ _

-;-=:=:::-

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ __ _ _ _ __ _ _ __ _ _ _ _ _ _

-;

__ __ __ __ __ __ __ __ __ __ __ __ __ _ __ __ __ __ _ __ __

JPMorgan Chase Bank, National A.ociatlon

itle legal T of Bank

FFIEC 031 Page RC-26

Submitted to CDR on 2/12/2009 at 5:47 PM

FDIC Certificate Number: 00628

38

Schedule RC-C>-Continued
Memorandum
1. Total assese deposib in domestic offices of the bank and in Insured branches in Puerto sabl s Rico and U.s. territories and possesions, Including related Interest aa:rued and unpaid (sum of Memorandum items 1(1), 1.b.(1), 1.c.(1), and 1.d.Cl) must equal Schedule RC-O, Item 1 less item 2):
a. Deposit accounts (exduding retirement accounts) of $100,000 or less : (1) (1) Amount of deposit accounts (excluding retirement accounts) of $100,000 or (2) Number of deposit accounts (exduding retirement accounts) of $100,000 or less (to be completed for the June report b. Deposit accounts (excluding retirement accounts) of more than $100,000: (1) (1) Amount of deposit accounts (excluding retirement accounts) of more than (2) Number of deposit accounts (exduding retirement accounts) of more than c. Retirement deposit accounts of $250,000 or less: (1) (1) Amount of retirement deposit accounts of $250,000 or less (2) Number of retirement deposit accounts of $250,000 or less (to be completed for the June report only) d. Retirement deposit accounts of more than $250,000: (1) (1) Amount of retirement deposit accounts of more than
Memorandum "'" 2 & to be completed by banb with $1 billion Of'more In total assets. (2)

M.l.a.l M.l.a.2 M.1.b.1 M.1.b.2 M.l.c.l M.1.c.2 M.1.d.1 M.1.d.2

--------I:!=

(2) Number of retirement deposit accounts of more than $250,000

sa 2. EstImated amount of uninsured assesble deposits in domestic: offices of the bank and in

insured branches in Puerto Rico and U.s. tenitorles and paslessio."1S, Including related Interest aa:rued and unpaid (see instructions) 3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank's or parent savings association's call Report or Thrift Finandal Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association:

M.2

FDIC Transac:tlon Ac:ICount Guarantee Program. 4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC's regulations)
of more than $250,000 (see instructions): a. Amount of nonlnterest-bearing transaction accounts of more than $250,000 (induding balances swept from noninterest-bearlng transaction accou nts to noninterest-bearing savings accounts). b. Number of nonlnterest-bearlng tra than $250,ooo

ng Memorandum Item5 4.a and 4.b ant to be completed by all baDb paI'tldpati In the

rr:J

,=,

FDIC Cert No.

01

M.3

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

nsacti;;;onaccou;;;ntsofmor;;;;e----:!=
=_.L_
_ _

MA.a M.4.b

(1) The dollar amounts used as the basis for reporting in Memorandum items l.a through l.d reftect the deposit Insurance limits In effect on the report date without taking Into account the temporary Increase In deposit Insurance in effect through December 31, 2009. (2) The $1 billion asset size test is generally based on the total assets reported on the June 30, 2007, Report of Condition (3) Uninsured assesle deposibI should be estimated based on the deposit insurance limits set forth In Memorandum sab items 1.a through 1.d without talclng Into account the temporary lnaease in deposit insurance In effect through December 31, 2009, or a bank's participation In the FDIC's Transaction Acx:ount Guarantee Program.
.

= _=

lPMorgan Chase Bank, National AssocIation

Legal Title of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031 Page RC-27

39

Schedule RC-P-1-4 Family Residential Mortgage

Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assetsl and (2) banks with less than $1 billion in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loan sales, or quarter-encJ loans held for sale In domestic offices exceed $10 million for two consecutive quarters. Dollar Amounts in Thousands 1. Retail originations during the quarter of closed-end 1-4 family residential mortgage loans for sale (2): a. Closed-end First liens _ _ _ _ _ _ _ b. Oased-end Junior liens Co Open-end loans extended under lnes of aedlt:
_ _ _ _ _ _ _ _ _ _ _

Banking Activities in Domestic Offices

_ _ _ _ _

_ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

+_-...;.== 1.a .:.;

lob

(1) Total commitment under the lines of aedlt'--________________ I--_I--___ 1.c.1 1.c.2 _ '-- _ _ _ _ _ (2) Principal amount funded under the Unes of aedlt _ _ _ _ _ __ _ 2. Wholesale originations and purchases during the quarter of closed-end 1-4 family
_

2.c.1 (1) Total commitment under the Hnes of credIt ____ _ _ _ _ _ _ _ _ t--i_-----', _ _ _ _ _ _ _ _ 2.c.2 "-- _ _ _ _ _ _ _ (2) Prindpal amount funded under the Unes of aedlt _ _ _ _ _ _ _ _ 3. 1-4 family residential mortgage loans sold during the quarter:
a. Closed-end First liens b. Oased-end Junior liens Co Open-end loans extended under lines of aedit:
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

residential mortgage loans for sale (2): a. Closed-end First liens b. Oased-end Junior Iiens c. Open-end loans extended under lines of aedit:

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

..;.;;.of_ .;.=.:. = . - :...;.;;

2 .a 2.b

t-:::::':"+-_='_=:1 "

3.a 3.b

l.... (1) Total commitment under the lines of aedit ________________ I----If--___"""I 3.c.2 __ ____ _ _ _ (2) PrIncipal amount funded under the Hnes of credIt _______
3.c.l
_

4. 1-4 family residential mortgage loans held for sale at quarter-encJ (induded in Schedule RC, item 4.a): a. Closed-end FIrst lIens - 4.a "'.b b. Oosed-end Junior liens c. Open-end loans extended under lines of aedit: 4.c.l _ _ _ _ _ _ i.- _ (1) Total commitment uncler the lines of credit _ __ _ __ _ _ _ _ .;.;..i_-----', "'.c.2 _
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the quarter. a. -end ft .nn_______________ _ _ _ __ ______________t_- _ _ __ _ __ _________ __ b. CosecI-end junior ._IIi__ ____________ Co Open-end loans extended under line of credit: _______ _ (1) Total commitment under the Ones of credit ___________ ___ _ _ (2) Prindpal amount funded under the lines of credlt _ ______________ _
_

5. Noninterest Income for the quarter from the sale, securItiZation, and servicing of 1-4 family residential mortgage loans (induded in Schedule RI, items 5.r, 5.g, and 5.1): 5.a a. CIa8ed-end 1-4 family residential mortgage IOiIRS_ _ _ _ _ _ _ _ __ IP-::-.-t-__...:.=:-. _ _ _ _ _ _ _ _ .;.: 5.b ___ b. Open-end 1-4 family residential mortgage loans extended under lines of credit _____ 6.a 6.b

_____ _________ (2) Prindpal amount funded under the Ones of credlt

6.c.1 6.c.2

(1) The $1 billion asset size test is generally based on the total assets reported on the June 30, 2007, Report eX Condition. (2) Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment

Legal T of Bank ille FDIC Certificate Number: 00628 SUbmitted to <DR on 2/1212009 at 5:47 PM

FFlfC 031

Page RC-28 40

Schedule RC-Q-Finandal Assets and Uabillties Measured at Fair Value

Schedute RC-Q is to be completed by benks that haw edopted FASB StlIlement No. 157, "Fair Value Measurements: aoo (1) have elected to aa:ount for financial instruments or seMdng assets and liabilities at fair value under fair value 0f100n or (2) are tn RC-I)...Toong PI5Gets and lIaIliIItIes. .

..

(Column A)

(Column E) Level 3 Fair Value Measurements

ASSETS
II.

1. aoo __ ____ __ __ __ -+________4-____________-= 2 2. Trading assets _ __ __ _ __ __ __

3. Ali other financial assets and servicing RC Mm 2, )-;-assets __ __ __ __ __ __ __ __ __

NontradIng secuiIIes at fair value with changes In fair value reported in current earnings [ Illduded In

J.l..........ji..IlIlIlIjIIIIIIII__II..IIII

2.a 3

UA8lUTIes S. Trading

4 4 ' -----------==;-5r--t- 5

7. Loan oommitments (not accounted for

6 All other financial liabilitie$ and . __ and senridng rlilbllitles ____ ___

'::::;bitit;;;;---I iii'. ; ill

________________-L ______ __ __ __ __ __ __ as OOri') _ __ __ __ l- __

JPMorgan Chase Bank, National Association

legal Title of Bank FDIC Certificate Number: 00628 SUbmitted to CDR on 2{12/2oo9 at 5:47 PM

FFIEC 031 Page RC-29

41

Schedule RC-R-Regulatory Capital

Dollar Amounts in Thousands

Tier 1 capital
1. Total equity capital (from Schedule Re, item 28) 2. LESS: Net unrealized gains (losses) on available-for-sale securities (1) (if a gain, report as a positive value; if a loss, report as a negative value) ------j-:-;,;;.;..+--I..!J::::.:.:::.t=::;t.t 3. LESS : Net unrealized loss on avallable-for-sale EQUITY securities (1) (report loss as a positive value) 4. LESS: Accumulated net gains (losses) on cash flow hedges (1) (if a gain, report as a positive value; If a loss, report as a negative value) -----::;.+---1!!22:. 5. LESS: Nonqualifying perpetual preferred stock ---- -:-:---- ---- -- --- -----+ 6. Qualifying minority interests in consolidated subsid Iaries
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1 2 3 4 5 6 7.a

_ _ _ _ _

7. a. LESS: Disallowed goodwill and other disallowed Intangible assets b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank's own creditworthiness (if a net gain, report as a positive value; if a net loss, report as a negative value) .!.!::::!...I--.!:.2 -:8. SUbtotal (sum of Items 1 and 6, less items 2, 3, 4, 5, 7a, and 7b) -----++-!!.:!!!z.!!!!!1 9.a. lESS: Disallowed servidng assets and purchased credit card relationships -+=+__.2.!!!!!.I --------b. LESS: Disallowed deferred tax assets -I--- 10. Other addiUons to (deductions from) T 1 capital ier ;:,;;.+__---' .. 11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) - --------.JL:::...JL-!L!
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

7.b 8 9.a 9.b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27

Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock 13. CumulatiVe perpetual preferred stock indudible in Tier 2 capital 14. Allowance for loan and lease losses Includible In Trer 2 capital 15. Unrealized gains on available-for-sale equity securities Indudible in Tier 2 cap/tal rer 16. Other T 2 capital components 17. Tier 2 capital (sum of items 12 through 16) 18. Allowable Tier 2 capital (lesser of item 11 or 17}
5306

8593 5310
8594 2221

28,469 000 0 14,791 ,000 0 0

43,260 000 43 260 000

5311 8275 8595 3792

3368

19. Tier 3 capital allocated for market risk 20. LESS: Deductions for total risk-based capital 21. Total risk-based capital (sum of items 11, 18, and 19, less item 20}

1395

0 0
Till I Bil l Md I Thou
143,866.000

Total assets for leverage ratio 22. Average total assets (from Schedule RC-K, item 9) 23. LESS: DIsallowed goodwill and other disallowed intangible assets (from item 7.a above)

RCFD

1 743 632.000 28,905 000 843,000 0

24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) 25. LESS: DIsallowed deferred tax assets (from item 9.b above) 26. LESS: Other deductions from assets for leverage capital purposes 27. Average total assets for leverage capital purposes (item 22 tess items 23 through 26)

8590
8591

5610 8596
A224

. (297,000)
1 714,181 000

Adjustments for financiat subsidiaries 28.a Adjustment to Tier 1 capital reported in item 11
b. Adjustment to total risk-based capital reported in Item 21 29. Adjustment to risk-weighted assets reported In item 62 30. Adjustment to average total assets reported In item 27

RCfD
C228

BiI ,

Mil l Thou
0

B503

B504

8505

0 0 0

capital ratios

28.a 28.b 29 30

(Column B is to be completed by aU banks. Column A is to be compieted by banks with finandal subsidiaries.) 32. Tier 1 rIsk-based capital ratio (3) 33. Total risk-based capital ratio (4) 31. Tier 1 leverage ratio (2)

RCFD

(Column A) Percentage
0.00% 0.00% 0.00%

n73
7274

RCFD
n04
7206

(Column B) Percentage
5.90% 8.73% 1 2.48%

n75

nos

31 32 33

(1) Report amount included in Schedule RC, Item 26.b, 8Accumu1ated other comprehensive income." (2) The ratio for column B is Item 11 divided by item 27. The ratio for column A is Item 11 minus item 28.a divided by (item 27 minus item 30). (3) The ratio for column B is Item 11 divided by item 62. The ratio for column A is Item 11 minus Item 28.a divided by (Item 62 minus item 29). (4) The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).

Legal TItle of Bank FDIC CertifIcate Number: 00628 SubmItted to CDR on 2/12/2009 at 5:47 PM
BankS are not required to risk-welght each on-baIance sheet asset and the aedit equivalent amount of each oIf-balance sheet item that qualifies for a risk weight ti less than 100 percent (50 J)eI"alnt for derivatives) at Its lower risk weight. When mmpIetIng Items 34 tIvough 54 of Schedule RC-R, each bank should

FF1EC 031 RC-30

42

Schedule RC-R-COntinued

dedde for itsI!If how detailed a r1sk-weight it wishes to \)erform. In other WIlIds, a bank can

choose from among Its assets and oIf-baiance sheet itI!ms that have a risk weight of less than 100 percent which ones to r1sk-weight at an appropriate lower risk weight, or It can Simply rIsk-weight some or all of these itI!ms at a 100 J)eI"alnt risk weight (50 percent for dertvaIIves).

__ 35. H N _ _ __ __ __ __ __-4__ __ __ __ __ _ __ -36. AvaIIabIe-fo-sa1e securities - -- __ __ _ __ -.-j.2!!z!!!!r.!!!!!! r __ __ __ _ _ 37. Federal funds sold and securities purchased under __ __ __ __ __ __ ments to _ __ __ __ __ __ __

IIIIIana Sheet AIRt CIIbgoItes 34. Cash and balances due from depository imtIIuIions (Colulm A equals the sum Of SChedule RC, items 1.a and 1.b) _ _ _ +-,..; = _ _ _ ::;:;:

34 35
36

or 38. I.oiIns and leases held f saIe _ __ __ _ _ __-I- ..:.:a = _ = _ __ _ __ __ 40. lSS: AIIowanoe for loan and lease losses --------f-;::;O::::
--_ -J_e!1!!!!! 'II. Trading assets - -- __ _________

+_

37
38

39. Loans and leases, net of unearned Income

-----t!!

39 40 "II 42 43

_ 42. All other assets (1) _ _ _ _ _ _ _ -I--1:!!J.! !!!!! __ _ _ _ _ __

m Inc:Iudes premises and fixed assets, other real estate owned, IrwestmenIs in unconsolidated subsidiaries and associated companies, intangible assets, and other assets.

"13. Total assets (sum of items 34 through 421 _ _ _ _-L .2:.! !!!3 __ _ _ __

FDIC CertifIcate Number:

legal TItle of Bank

Submltted to COR on 2/12/2fX1!l at 5:47 PM 00628

FF1EC 031 Page RC-31

43

SChedule RC-R-continued

DerivatIv. IIIId OIY-llalanm Sheet Items 44. Anandal standby letters of credit ----.JI-.!E!:.!!:!:! 45. Petformance standby letters of
46 .

Amounts In

CoI1nmerciaJ and similar letters

of uR_ __ __ __ __ __ __ __ -+=

45 46

of ; 47. Risk aa:eptances acquired by the

reporting inStitutlon --------f-=..::.

partIcipa;;;;ttions;;;;;in;Jbankers;;i;;;-----1.lilii

47

__ _ obligations SOld with recourse _ _ _ so. Recourse and direct credit substitutes (other than financiaf standby letters of credit) subject to the Iow-IewlI e>epOSUre I1JIe and residual interests subject to a drerI _ doIIar-for"1kJllar capital reql _ _ _+!!!!!!. 51. All other ftnanclal assets SOld with

48. Securities lent -------.J-!!! 49. RetaIned recourse on small business 49

so
51 52 53

52. All other off-baIance sheet

-------f-= ---------- maturity exceeding cne year _ _ __ _ _ _

53. Unused commitments with an original

. ------

(1) Column A multiplied by credit conversion fadDr. (2) Fer financial standby letters of credit to which the Iow-IeveI e>epOSUre rule applies, use a credit mnversIon fadDr of 12.5 or an institIJIIon.sp fadDr. For other financial standby letters of credit, use a credit conversion fadDr of 1.00. See instructions for further information .

(3) Or institution-sped factor. (Entering an 'M' allows for data entry In Column S.)

itle Legal T of Bank

FDIC CertifIcate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFlEC 03l Page RC-32

44

Schedule RC-R-continued
h DoRar Amounts "' T .. "'k

Totals

... ...

. 51.

55. Total assets, derivatIVes, and oIf-balance sheet items by risk weight CiIblgory (for eadt column, sum of Items 43 through 54) -----I-:!!.!--___!J?!!I 55

t --- -- -- -- -- -- -- -- -- -- -- -- ---- -- -- -- -- -- -- -- -weighted assets by risk weight category (for each aJk.mn, _ _ Item 55 multiplied by item 56) __ _ _ _ _ _ _ _ _ _ _ _ _..., _ _ _ _ _ _ _ __ _ _

_.II.."II.."jliI...."Ii......ii"..

56

57

59. weighted assets before deduc:tIons for excess allowance for loan and lease and allocated transfer risk reseove (sum of item 51, columns C through F, and item -J ___ _ _ _ _ _ _ _ _

_ _ __ . Ma r assets __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ 61. LESS: Allocated tran5ferrlsk reserve __ _ _ _ _ _ _ _ _ _ __ ___ _ _ _ _ _ _ _ _ _ 62. Total risk-weighted assets (item 59 minus Items 60 and 61) _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _

. _ _ _ _ _ _ _ _ _ 60. LESS: Excess allowance for loan and lease ....""' . _ _ _ _ _ _ _ _ ___

60
61

59

62

Dollar Amounts In Thousands -.:; .. . _ __ 1. OJITent credit exposure across all dI!rivatIYe CO/ltra(tS covered by the risk-bilsed capital standards ____________________ _ _ ........'"'-"' """ M.l -'"Memoranda

M.2.a M.2.b M.2.c M.2.d Me M.2.f M.2.g.1 M.292 (1) Exclude foreign exchiInge contrac:ts with an original maturity of 14 dayS or less and all futures contracts.

Schedule RC-5-Servfdng, Securitization and Asset Sale Activities

FDIC CertIflcate Number: 00628 SUbmitted to CDR on 2/12/2009 at 5:47 PM

Legal TItle of Bank

FFIEC031 RC-33

45

... SaQlritIzatian AdiviI:Ies 1. Outstandlng plindpel balance of assets sold and securitized by the reporting bank with servIdng retained or with recourse or other _ _ seller-provided credit enhancen:tents _ 2. Maximum amount of aed"ot l!lIp05UI'e arlsing from recourse or other seIIer-provtded credit enhaIlCI!Il1ten provided to structures reported in item 1 in the form of:
a. Credit-e1hanclng 1nt1!rest-mly strips (Included in Schedules RC-8 or
b. SUbordinated seaJriIIes and c.

RC.f' or in Schedule RC, item '-----4----=

2.a 2.b 2.c

__ __ __ other mm L- __ __ __ Standby letters of credit and

_ _ b. 90 days or more past """ _ _ __ 5. 01arge-dfs and recoveries on assets sold and securitized with seMdng retained or with recourse or other seiIer-provtded credit

other :=---I'"

4.a

4.b

enhancements (calendar year-tlHlate): -- __ __ __ __ a' ---- _ __ __ 4-

5.a

b. RecoverIes __ _ _ _ -1._ _ _ _ _ _ _

S.b

ille Legal T of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47 PM

FFIEC 031

Page RC-34 46

Schedule RC-5-Continued

6. Amount of ownership interest camed as: ill.

b. 90 days or more past due _ _ __ _ _ 8. Olarge-oft's and recoveries on loan amounts Included in interests reportI!d
in Item 6.a (calendar year-to-date):

b. Loans (Included in Schedule RC-c) _ _ _ 7. Past due loan amounts induded In interests reportl!d In Item 6.a: _ _ _ a. 30-89 days past ....,. _ _ _ _

meluded In Schedule RC-8 or Securities [ or In Schedule RC. Item 5) _ _ __ _ _

in Thousands Ilo/Iar (or seller's)

6.a 6.b

7.a 7.b

a. _ __ __ __ __ __ __ __ _
""""'"",""

8.a B.b

b.

'Or SeamtIzatIon hciIIties Sparand Iv or 0IhawIse EsIabIIIhed By otIIer :11IItItutIons 9. Maximum amount of aedit exposure arising from aedit enhanceInents provided by the reporting bank to other instItutIOns' sewritization slructures in the form of standby letters d credit, purchased subonIinated securities, and other enhancements -;;;;;;;;;- __ ;; .0. Reporting bank's unused commitments __ to pr!lIItde liquidity to other 1nsIitutIons' --' = securitization structures _ _ _ ---''--_ = _ _ _

_ _ _ _ _ _ _ _ _

-.

10

FDIC Certificate Number: 00628 SUbmitted to <DR on 2/12/2009 at 5:47 PM

Legal l1tIe of Bank

Page RC-35
FFIEC 031

47

Schedule RC-5-Continued

...... Aaet 5IIIes

Dollar

11. Assets sold with Il!COUISe or other seller provided credit enhantements and not securitized by the reporting bank _ _ _ _ 12. Maximum amount of aedit exposure arising from recourse or other seIIer provided aedit enhancements provided to assets reported in item 11 _ _ '--_:::::: _ ---J ::.::=

11

12

Memoranda

3. Asset-badced commerdaI paper conduits: a. Maximum amount d credit exposure arising from credit enhanc:ements provided to ronduit structures in the fOlTll of standby letters d

1. Small Business obligations transferred with recourse under Sedlon 208 of the Riegle Community Development and Regulatory Improvement Act of 1994: _ _ _ __ _ __ _ _ _ __ __ __ _ _ __ __ __ _ a oung __ _ _ __ __ __ _ _ _ _ _ _ _ _ _ __ __ _ ___ _ b. Amount of retained recourse on these obligations as of the report date 2. OUtstanding principal balance of assets seMced f others (includes participations servic f others): or ed or a. CJosed.end 1-4 family residenIIaI mortgages seMced willi recourse or other servicer-pI'tMd aedit b. CJosed.end 1-4 family residenlial mortgages serviced with no recourse or other senIicer-provided aedlt c. other linandal assets (includes home equity HIles) (1) d. 1.... family I'IIIIdentiIII R*tgages savIced far aa.... that are In pr'OIlI!SI fill foreclosure lit quarter-end _ _ _ ( .. _ , .L_ _ _ _ _ _ _ _ _ _ _ _ _ __ n1 _ _ _ _ _ _ _ _ _ _

-;;;;;;;;;dt;;;;;; ---------------------1iiI.' ; ; Ii. ===========t=t :: -;;;;;;;;;;;;;;;.;;;;;;;;;;;-;;;;;; :;;-----------1 ; ; ;. ; ;;

M.l.a M.l.b M.2.a M.2.b M.2.c M.2.d

credit, subordinated securities, and other enhancements: (1) ConduIts sponsored by the bank, a bank afIRiate, or the bank's holding company -------+-=-:-_If-.....::.::;;f (2) Conduits sponsored by other unrelated 1nstIIutIons b. Unused commibnenIs to provide liquidity to conduit structures : _ _ _ _ _ _ _ _ _ (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company' __ _ _ _ _ _ _ _ _ _+__;;:;;...__-I- (2) Conduits sponsored by other unrelated IIlS1l lIlS ._ _ _ _ _ _ _ _ _ _ _ _ _+_:-_lI__-=: _ _ _ ll1lUC _ _ _ _ _ _ _ _ _ ... 0uIstanding credit all'd fees and finance charges Induded In Schedule RC-S, item 1, 0lIumn C {Zl _ _ _ _ _ _ _ _ J...:::::..__L...___.:..:::::.::::::I _ _ _ _ _ _ _ _ _ ::: :: :

-;;;;;-----------------------1.lIii

M.3.a.l M.3.a.2 M.l.b.l M.3.b.2 M.4

(1) Memorandum item 2.e is to be completed if the ncipaI balance d other IinandaI assets serviced for others Is more than $10 miUion. (2) Memorandum item .. IS to be completed by ban/($ 1tJat (1) together with aIIIIiated 1nSIIIl,lIions haI'I! outstanding aedit card receivables (as defined In tile

instructIcns) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for UnlfOlTll 8imk Perfonnance Report purposes.

JPMorgan Chase Bank, National Association

Legal Title of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2{1212009 at 5:47 PM

FFIEC 031 Page RC-36

48

Schedule RC-T-Fidudary and Related Services

Items 12 through 18, items 19.a through 23, and Memorandum Item 4 will not be made available to the public on an individual institution basis.
1. Does the Institution have fiduciary powers? (If "NO", do not complete Schedule RC-T.) --_ _ _ _ _ --"L.-,,;.....;.i...---.;;,,;;;.;;; _--' . ..J

2. Does the institution exerdse the fiduciary powers it has been granted? ----------3. Does the institution have any fiduciary or related activity (in the fum of assets or accounts) to report in this schedule? (If "NO, do not complete the rest of Schedule RC-T.) -------If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows:

_ _

--II.,;,,;;.;...L-._.:..:;...---J ;. ..J :.:: .

. .;,. --I _ --'-.-;..-A- ....;;:.;;;._

_ _ _ _ _

InstItutions with total fiduciary assets (item 9, sum of columns A and B) greater than $250 million (as of the preceding December 31) or with gross fldudary and related services income greater than 10% Gf revenue (net Interest Income plus noninterest income) for the preceedlng calendar year must complete:

Institutions With total fiduciary assets (item 9, sum of columns A and B) of $100 million or less (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete: Items 4 through 11 annually with the December report, and Memorandum items 1 through 3 annually with the December report.

Institutions with total fiduciary assets (Item 9, sum of columns A and B) greater than $100 million but tess than or equal to $250 million (as of the preceding December 31) that do not meet the fldudary Income test for quarterly reporting must complete: Items 4 through 23 annually with the December report, and Memorandum items 1 through 4 annually with the December report.

Items 4 through 19.a quarterly, Items 20 through 23 annually with the December report, and Memorandum items 1 through 4 annually with the December report.

(Column A) Managed
Assets

(Column B) Non-Managed
Assets

(Column C) Number of

(Column D) Number of Non-Managed Accounts

FIDUCIARY AND RELATED ASSETS .: -I-.... 4. Personal trust and agency accounts 5. Retirement related trust and agency attounts: .c --I_ ;;:.c:::::.:.::=. _ a. Employee benetit-defined contribution
_ _ _ _ _ _

Dollar Amounts in Thousands

5.a S.b 5.c 6 7

8

b. Employee benetit-defined benefit ----lI-...2 c. Other retirement accounts

_ _ _ _ _ _

:l -I-_...:=
I-___

6. Corporate trust and agency accounts

_ _ _ _

_ 7. Investment management agency accounts _ +_:!2!!!!

8. Other fidudary accounts

_ _ _ _ _ _ _

--= = -1.._ = ;::;:.

JPMorgan Chase Bank, National Association

Legal Title of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5;47 PM

FFIEC 031 RC-37

49

Schedule RC-T-Continued
B) Non-Managed
Assets

{Column Number of

(Column D)

Dollar Amounts in Thousands

FIDUCIARY AND RELATED

ASSETS-Continued 9. Total fiduciary accounts (sum of items 4 through 8)

_ _ _ _ _ _ _

9 10 11

10. Custody and safekeeping accounts 11. Fiduciary accounts held in foreign offices (included in items 9 and V/

_ _ _ _

_ _ _ _

"'&"'_-='::":":=':;'

FIDUCIARY AND RELATED SERVICES INCOME

12. Personal trust and agency accounts 13. Retirement related trust and agency accounts: a. Emoyee -4Btned conmmmon +_-------- b. Emee benefit-defined benefit -+-----I c. Other retirement accounts -lF:.;...t-___-I ., 14. Corporate trust and agency accounts -------t--__1 15. Investment management agency accounts -------t--+---I +_------ 16. Other fidOClary accounts 17. Custody and safekng accounts --------+--+--1 18. Other fidudary and related services Inmme 19. Total gross fidudary and related services income (sum of items 12 through 18) (must equal Schedule RI, item 5.a) --------r--.--1 '-...;......____ a. Fiduciary and related services Income-foreign offices (included in item .... ,. __ t- - __1 -- -20. Less: ses 21. Less: Net losses from fiduciary and related services -------f---+--I 22. Plus: Intracompany income credits for fidudary and related services -------+---1--1
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ __ _ __ __ _ __ _ __ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _ _ _ _ _ _ _ _ _ _ __ _ _ __ __ __ __ _ __ __ __ _ __ __ __ __ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ __ _ __ __ _ _ __ __ __ _ __ __ __ __ _ _ __ __ __ __ _ _ _ _ _ _ _ _ _ __ _ __ _ _ _ _ _ _ __

12 13.a 13.b 13.c 14 15 16 17 18

23. Net fidudary and related services income

Memoranda

__ _ __ _ __ _ __ __ __ __ _ __ __ _ _ __ _ _ __ _ _ __

19 19.a 20 21 22 -'-_-'-______..... 23

1. Managed assets held in personal trust and agency accounts: a. Noninterest_bearlng deposits -- +-__+_ - .... .. +_-- Interest_bearing deposits ---l:! c. U.S. Treasury and U.S. Government agency obIigations d. State, county and municipal obligations -------l!:!!4---...1.: -- e. Money fimdS f. Other short-term obilgationS -++--....:! g. Other nOO5 and -- h. Common and erred -- -- _1 _+_ -- -i. ReaI ==---- . RI m j Ie. Miscellaneous assets I. Total managed assets held in Personal trust and agency accounts (sum of Memorandum --l.!!..l_!!!!!.'!J items La through 1.k) (must equal Schedule RC-T, item 4, column A)
_ _ _ __ __ __ __ __ __ __ _ __ __ __ __ _ __ _ _ _ _ __ _ _ _ __ _ _ __ __ __ __ _ __ _ _ _ _ __ _ _ __ _ _ _ __ __ _ _ __ _ _ __ __ _ __ __ _ _ _ __ __ _ _ __ __ _ __ _ _ __ __ __ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ __ _ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ _ __ _ __ __ __ __ __ __ __ __ _ __ __ __ _ __ __ __ __ _ __ __ __ __ __ _ _ __ __ __ __ __ __ __ __ __ __ __ _

Dollar Amounts In Thousands

M.1.a M.l.b M.1.c M.1.d M.1.e M.1.f M.l.g M.1.h M.l.; M.1.j M.1.k M.l.I

JPMorgan Chase Bank, National Association

Legal TItle of Bank FDIC Certificate Number: 00628 Submitted to CDR on 2/12/2009 at 5:47

FFIEC 031 RC-38

so

PM

Schedule RC-T-Continued
Mernoranda--Contlnued
Issues Dollar Amounts in Thousands 2. Corporate trust and agency accounts: b. Transfer agent, registrar, paying agent, and other corporate agency _ _ _ _ _ _ --J.. _ _ _ _ __: = a. Corporate and munidpal trusteeships ------j.:::::.....f.---...!.!::!:. M.2.a M.2.b

A)
Number of

(Column B) Prindpal Amount

Dollar Amounts in Thousands 3. CoHective Invesbnent funds and

common

trust funds: M.3.a M.3.b M.3.c M.3.d M.3.e M.3.f M.3.g M.3.h

a. Domc u _ __ __ __ __ _ _ _ _ _ __+----- _ _ _ _ _ _ _ _ _ __ c. Stock/Bond blend b. International/Global u -----+;;:;;.;4--...::.j1_-..:.:.:..::::.l::=.t

f. Short term Investments/Money market -+:::.:.:. __ __ ..!.I-::=-4__-!.!.J.!...!..!J.:=-I -I- __ __ : :..::

d. Tae bond _ _ _ __ __ _ _ _ __ __ _ _ _ __ _ _ __ __ __ _ _ __ e. Munpal _ _ _ _ _ _ _ __ _ _ _ -- -- -- - +_ -- --: - -- _ _ _ _ __ _ _ _ _ __ _

--------+:..J_--!.!!.J.!_l_- ------

g. Specialty/Other _ +==::!:!..+-___::!...I-...2: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ -C_ ____!!.IL__.!!!l!!!l!!!!J h. Total collective investment funds (sum of Memorandum items 3.a through 3.g) __ __ _ Gross Losses Managed Dollar Amounts in Thousands (Column A)

4. Fidudary settlements, surcharges, and other losses:

a. Personal trust and agency accounts -----4.::::..;.:.....J--F..:..-I--r-:.;;.+--!

c. Investment management agency accounts __ _ _ ---J----F.;;.;.+_----_+--_-_f . __ _ _ d. e. Total fldudary settlements, surcharges, and other losSes (sum of Memorandum items 4.a through 4.d) (sum of columns A and 8 minus column C must I

b. Retirement related trust and agency accounts -----J;;....j--.,;:;;;...+_---+...;.._+---_I

M.4.a M.4.b M.4.c MAd

other fidudary accounts and related services

_ _ __ _ _ _

_ _ _ -I ....L_ ;;..;... _ ....L _ _ ;.;; ; -L..:::.::..J..____...L.;;,;;.;..J.._ _ _ _ _ _ _ _ _ _ _ Schedule RC-T, item 21) _

MAe

Person to whom questions about Schedule RC-T-fiduciary and Related Services should be directed:

bennls Mikolay

Name and TItle (TEXT 8962)

fj1ikoiaydenniS@jPmorgan.com
E-mail Address (TEXT 8926)

k201) 595-5584

Telephone: Area code/phone number/extension (TEXT 8963)

t201) 595-6771 I

FAX: Area code/phone number (TEXT 8964)

FDIC Certificate Number: 00628

FFIEC 031 Page RC-39

51

Optional Narrative Statement Conceming the Amounts Reported in the Reports of Condition and Income
The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Reports of Condition and Income, in response to any request for indMdual bank report data. However, the information reported in Schedule RC-T, items 12 through 18, items 19.a through 23 and Memorandum item 4, is regarded as confidential and win not be released to the public. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDMDUAl BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAl ITEMS IN SCHEDULE RC-T, OR ANY OTHER INFORMATION THAT THEY ARE NOT WilliNG TO HAVE MADE PUBUC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the "No comment" box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter In this space such phrases as "No statement," "Not applicable, "N/A," "No comment, and "None." ment should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, induding punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 char acters, as defined, it will be truncated at 750 characters with no notice to the submitting bank and the truncated statement will
The optional statement must be entered on this sheet. The state

appear as the bank's statement both on agency computerized records and in computer-file releases to the public. must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement's accuracy. The statement must be signed, in the space provided below, by a senior officer of the bank who thereby attests to its acuracy. If, subsequent to the original submission, material changes are submitted for the data reported in the Reports of Condition and Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank. at its opIion, may replace It with a statement, under signature, appropriate to the amended data.
The optional

All information fumished by the bank in the narrative statement

narrative statement will appear in agency records and in release to the public exactly as submitted (or amended

as desaIbecI in the preceding paragraph) by the management of the bank (except for the truncation cI the statements exceeding the 75o-character limit described above). THE STATEMENT WlU. NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENOES FOR ACCURACY OR RElEVANCE. DISClOSURE OF THE STATEMENT SHAlL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED THERBN. A STATEMENT TO THIS EFFECT WIU. APPEAR ON ANY PUBUC RElEASE OF THE OPTIONAl STATEMENT SUB MITTED BY THE MANAGEMENT OF THE REPORTING BANK.

ments?

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

__. __ .

ATEMENT (please type or print clearly): BANK MANAGEMENT ST

I: I

YES

Y S

NO
__

1 6980 State of Michigan deposits are $804 million. !Th;amountof Bear Steams risk-weiohted assets excluded for DUf1)Oses of determinino the risk based !::apfiSl requirements was $1 5,653,000 thousand.

TEXT

Irhe amount of Bear Steams assets excluded for DUrDOSes of determining the leveraae caDital hKluirements was $8,430,000 thousand.

REPORT OF CONDITION
Consolidating domestic and foreign subsidiaries of the JPMorgan Chase Bank, National Association In the state of OH at dose of business on December 31, 2008 published in response to call made by (Enter additional information below)

Statement of Resources and LiabiHties

ASSETS
Cash and balances due from depository institutions:

Dollar Amounts in Thousands

Securities:

1 ooo Noninterest-bearing balances and currency and coin -..::.:,2 ,::: - 26:c ;:.z + :.:. 146 40 000 . Interest-bearing balances _ _ _ _ _ _ _ _ _ _ _ _ _ _ _L_ _ _ _ _ _ _ _ _ _ _ _ _ _ ....:.;;:::z;;=t::.::.:J , HeJd-to-maturity securities 34.000 1 82,558,000

5 1 ;
1

Available-far-sale securities

loans and leases, net of unearned income LESS: Allowance for Joan and lease losses loans and leases, net of unearned Income and allowance Trading Assets Premises and fixed assets (including capitalized leases)
Other real estate owned Intangible assets:

Loans and lease financing receivables: Loans and leases held for sale

5eaJrities purchased under agreements to resell

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

c Federal funds sold In domesti offices

239 52"'000
-....3,::;::::z.::::.::.l --L ..:. , _ __ _ _ _ -.:!

2,850,000

650 1 OO o ;.: :! ...; :.:. I_ =,4 5, 17, 1 53,000

1 488 ooo

633,262 000 365 294 000 7,822 000 2, 1 20 000 2,440 000

Investments in unconsolidated subsidiaries and associated companies

ngi a ts - .:.: :l.: 0 -_ -_ - -:_ -_ -_ - - _ _ _ - _ - _ - _ - - _ - _ - _ - _ - : _ - _ - _ _ -- : _ - _ - _ - _ - _ _ - 2 :.: Or.:: .!.I _ 5se - _ - _ - : _ - : _ - _ - _ - : _ - _ ble _ _ - _ - _ - _ - _ _ - _ - : _ - _ - _ - : _ - _ - : __ - : _ - _ - __ - _ -""""- _...;::;; ,::.. = __ c:: Od1 :.t .f.. 17 42 000 . , 2 ...; =:::.::.1 _ _ __ _ _ _ __ __ _ _ __ _ Tl assets _ _ __ __ _ __ _ _ __ _ _ _ _ _ _ _ _ __ _ _

27,371 __..::c000 _ _ GiU _______________________________

1 ::O

REPORT OF CONDmON (Continued)

UABILlTIES
Dollar Amounts in Thousands Deposits: In c mfiC Noninterest-bearing Interest-bearlng In foreign mfic, Edge and Agreement subsldiari, and I8Fs Noninterest-bearing Interest-bearing Federal fuods purchased in domestic offices Securitl sold under agreements to repurchase Trading lIabilities Other borrowed money (indud mortgage indebtedness and obligations under capitalized leases) Subordinated n and debentu Other liabilities Total liabiliti Minority interest in consolidated subsidiari
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

:;.; --f .:. _ 21.;;l:..:.::;z.; o0 :.:; ..: 3!1 1 5,o --I L..-..=t::.:::.r; 0 . 482,382!00 ..; :=J

-, __ __ __ __ __ __ = !

_ _ _ _ _ _ _ _ _ _ _

-J__::::z:::::z::.::::.j ::

-.-

____....,..

695

-1.

.::.::!I,!;!:::.::::J : :r.::

1 3 485,000 167,551 000 142 407 142.275,000 28 376,000 66.587 000 1,616 446,000 1,029,000

EQUITY CAPITAL PerpetuaI preferred stock and related surplus Common stock Surplus Retained earnings Accumulated other comprehensive income Other equity capital components Total equity capital Total liabi "Iities, minority interest, and equity capital
We, the undersigned directors, attest to the correctness of this statement of resourc and liabilities. We declare that Is has been examined by us, and to the best of our knowledge and belief has been prepared in conformance with the instructions and Is true and correct. )jrector #1 )jrector #2
)jrector #3
0 1,785 000 n,254,OOO 52,309 000 (2,581 .000) 0 128 767,000 1 .748 242 000

I, Michael ] Cavanagh, EVP CFO ( Name, Title )

of the above named bank do hereby declare that this Report of Condition is true and correct to the best of my knowledge and belief.

Last Update :

2 0 0 90912 . 1322 0 5

Board of Governors of the Federal Reserve System

FR Y-9C OMB Number 7100--0 128 Avg. hrs. per response: 40.50 Expires February 28. 2011

RSSO 10:

1 039502

Consolidated Financial Statements for Bank Holding Companies-FR Y-9C

Report at the close of business as of the last calendar day of the quarter
This Report is required by law: Section 5(c) of the Bank Hold ing Company Act ( 1 2 U.S.C. 1 844) and Section 225.5(b) of Regulation information. However, when such bank holding companies own or control, or are owned or controlled by, other bank holding compa nies, only the top-tier holding company must file this report for the consolidated holding company organization. The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, a collection of infonnation unless it displays a currently valid OMB control number. Date of Report:

Y ( 1 2 CFR 225.5(b.

This report fonn is to be filed by bank holding companies with total consolidated assets of $500 million or more. In addition, bank holding companies meeting certain criteria must file this report (FR Y-9C) regardless of size. See page 1 of the general instructions for further NOTE: Each bank holding company's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Con solidated Financial Statements for Bank Holding Companies. The Consolidated Financial Statements for Bank Holding Companies are to be prepared in accordance with instructions provided by the Federal Reserve System. The Consolidated Financial Statements for Bank Holding Companies must be signed and attested by the Chief Financial Officer (CFO) of the reporting bank holding company (or by the individual perfonning this equivalent function). I, the undersigned CFO (or equivalent) of the named bank holding company, attest thatthe Consolidated Financial Statements for Bank Holding Companies (including the supporting schedules) for this report date have been prepared in confonnance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief.
Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490) Signature of Chief Financial Officer (or Equivalent) Date of Signature

December 3 1 , 2008
ear (BHCK 9999) Month ( Date ( Y

Legal Title of Bank Holding Company (TEXT 9010) (Mailing Address of the Bank Holding Company) Street ( P.O. Box (TEXT 9 1 1 0)

JPMORGAN CHASE

&

CO .

270 PARK AVENUE

NEW YORK

NY

10017

City (TEXT 9130)

State (TEXT 9200)

Zip Code (TEXT 9220)

Bank holding companies must maintain in their files a manually signed and attested printout of the data submitted. Person to whom questions about this report should be directed:
Name ( Title (BHTX 8901)

For Federal Reserve Bank Use Only

RSSD ID C.I. S.F. __

Area Code ( Phone Number (BHTX 8902)

FAX Number (BHTX 9116) E-mail Address of Contact (BHTX 4086)

Public reporting burden for this information collection is estimated to vary from 5.0 to 1 .250 hours per response, with an average ?f 4O.0 hours per response, Including time to gather and maintain data in the required form and to review instructions and complete the information collection. Comments regarding thIS burden estimate or any other aspect of this information collection, Including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve System, Washington, D.C. 20551 . and to the Office of Management and Budget, Paperwork Reduction Project (7100-0128), Washington, D.C. 20503.

Report of Income for Bank Holding Companies

Report all Schedules of the Report of Income on a calendar year-to-date basis.

For Federal Reserve Bank Use Only

RSSD Number

FR V-9C Page 1

Schedule HI-Consolidated Income Statement

Dollar Amounts in Thousands BHCK 1 . Interest income a. Interest and fee income on loans: (1 ) In domestic offices: (a) Loans secured by 1-4 family residential properties ....................................... (b) All other loans secured by real estate .............................................................. (c) All other loans ............................................................ ......................................... (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ................................. b. Income from lease financing receivables .......................................................................... c. Interest income on balances due from depository institutions1 ......................................... d. Interest and dividend income on securities: (1 ) U.S. Treasury securities and U.S. government agency obligations (exduding mortgage-backed securities)....................................................................................... (2) Mortgage-backed securities ........................................................................................ (3) All other securities . . . .. . .. .. . . . .. .. . .. . . . .. e. Interest income from trading assets .................................................................................. f. Interest income on federal funds sold and securities purchased under agreements to resell g. Other interest income ................................................................................... ..................... h. Total interest income (sum of items 1 .a through 1 .g) .. . . . . . 2. Interest expense a. Interest on deposits: (1 ) In domestic offices: (a) Time deposits of $1 00,000 or more ...................................................................... (b) Time deposits of less than $1 00,000 ................................... ................................. (c) Other deposits ...................................................................................................... (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ................................. b. Expense on federal funds purchased and securities sold under agreements to repurchase ............................................ ............................................................................ c. Interest on trading liabilities and other borrowed money (excluding subordinated notes and debentures) ...................................................................................................... d. Interest on subordinated notes and debentures and on mandatory convertible securities ........................................................................................................................... e. Other interest expense ...................................................................................................... f. Total interest expense (sum of items 2.a through 2.e) ...................................................... .. . . . .. . . . .. . 3. Net interest income (item 1 .h minus item 2.f) . . 4. Provision for loan and lease losses (from Schedule HI-B, part II, item 5) .............................. 5. Noninterest income: a. Income from fiduciary activities ......................................................................................... b. Service charges on deposit accounts in domestic offices ................................................. c. Trading revenu& ............................................................................................................... d. (1 ) Fees and commissions from securities brokerage ...................................................... (2) Investment banking, advisory, and underwriting fees and commissions . ... .. . . .. . . . . .. . . (3) Fees and commissions from annuity sales ... . .. Underwriting income from insurance and reinsurance activities ................................. (4) (5) Income from other insurance activities........................................................................ Venture capital revenue..................................................................................................... e. f. Net servicing fees .............................................................................................................. g. Net securitization income ....................... ........................................................................... h. Not applicable i. Net gains (losses) on sales of loans and leases ............................................................... j . Net gains (losses) on sales of other real estate owned..................................................... k. Net gains (losses) on sales of other assets (excluding securities) .................................... I. Other noninterest income3 ................................................................................................. m. Total noninterest income (sum of items 5.a through 5./)....................................................
. ... .......... ................ .. . .. . . ... .. .. ............ .. ..... . ... ....... .... w . . .. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . .. . . . . .. . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . .. . . . . .. . .. . . . .. .. . . . . . . . . . . . . . . . . . . .. . . . . . . . . . ..... . .. .. . . . . . . . . . . . . . .... ..... ... . .. ....... ............. .. ............... . ........ . . ... .... ...... .............. . . . .. .... ..... ...... . ... ...... .... . .......

S.F. _

RSSO 10:

I
11265000 1899000 21171000 4561000 126000 2 184000 78000 4501000 1 648000 17236000 8260000 250000 73179000

1039502

4435 4436 F821 4059

4065

4115

1 .a.(1 lea) 1 .a.(1 )(b) 1 .a.(1 )(c) 1 .a.(2) 1 .b. 1 .c.

8488 8489 4060

4069
4020 4516 4107

1 .d.(1 ) 1 .d.(2) 1 .d .{3) 1 .e. 1 .f. 1 .g. 1 .h.

A518

A517 6761 41 72 4180 4165

1 01 9000

3782000

3619000 6126000 4 668000

2.a.(1 )(a) 2.a.(1 )(b) 2.a.(1 )(e) 2.a.(2) 2.b. 2.c. 2.d. 2.e. 2.f.

6670000 8355000 0 34239000 38940000 21237000 7425000 3977000 -9191000 3141000 6101000 363000 328000 68000 -908000 l326000 3751000 118000 -223000 115000 10959000 2 6752000

4397 4398 4073 4074 4230 4070 4463

A22.0

3.
4. 5.a. S.b. 5.c. 5.d.(1 ) 5.d.(2) 5.d.(3) 5.d.(4) 5.d.(5) 5.e. 5.f. 5.g. 5.i. 5.j. 5.k. 5./. S.m.

C886 CB88 C887 C386 C387 8491 8492 8493 8560 8561 8496 8497 4079

2.
"l

1. Indudes interest income on time certificates of deposit not held for trading. For bank holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c must equal the sum of memoranda items 9.a through 9.e.
a.D. ,-.hoQril .to 1-11 mpmnr==-nna it-am A

3/08

RSSD 10:

1039502

FR Y-9C Page 2

Schedule HI-Continued
Dollar Amounts in Thousands 6. a. Realized gains (losses) on held-to-maturity securities ...................................................... b. Realized gains (losses) on available-far-sale securities.................................................... 7. Noninterest expense: a. Salaries and employee benefits ..... ................................................................................... b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest) ........................................................................ c. (1 ) Goodwill impairment losses....................... .................................................................. (2) Amortization expense and impairment losses for other intangible assets................... d. Other noninterest expense4 ............................................................................................... e. Total noninterest expense (sum of items 7.a through 7.d) ................................................ 8. Income (loss) before income taxes and extraordinary items, and other adjustments (sum of items 3, 5.m, 6.a, and 6.b minus items 4 and 7.e) . ... . . . . . . 9. Applicable income taxes (foreign and domestic) .................................................................... 1 0. Minority interest. 1 1 . Income (loss) before extraordinary items and other adjustments (item 8 minus items 9 and 1 0) ............................................................................................................ 1 2. Extraordinary items, net of applicable taxes and minority interests ........................................ 1 3. Net income (loss) (sum of items 11 and 1 2) . . . . .. .. . . . .. . .
........ ..... ... ... ....... .. ....... ... . ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..... .. ......... .... ........ ......... ..... ... ....... . . ... ...

BHCK 3521 3196

4 1 35

0 1560000 22746000 7353000 0 1263000 1 1 726000 43088000 2 927000 - 92 6000 154000 3 699000 1 90 6000 5 605000

6.a. 6.b. 7.a. 7.b.

7.c.(1 )

4217 C216 C232 4092 4093 4301 4302

7.c.(2) 7.d. 7.e.

8. 9.

4484

1 0. 11. 1 2. 1 3.

4320

4300

4340

4 . See Schedule HI. memoranda item 7. 5. Describe on Schedule HI, memoranda item 8.
MEMORANDA 1 . Net interest income (item 3 above) on a fully taxable equivalent basis ................................. 451 9 Dollar Amounts in Thousands BHCK1

39518000 3506000 217000 50000

M.1 . M.2. M.3. M4

. .

2. Net income before income taxes, extraordinary items, and other adjustments (Item 8 above) on a fully taxable equivalent basis ............................................................................. 4592 I 3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule HI, items 1 .a and 1 .b, above).............................................................. 4313 I 4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule HI. item 1 .d.(3). above) ....................................................................... 4507 I 5. Number of full-time equivalent employees at end of current period (round to nearest whole number) ......................................................................................... .
.

Number

217965

M.5.

. t ' 6. Other noOlnterest Income (from ScheduIe HI, I em 5.1 , above) (onIy report am0unts greater
than $25,000 that exceed 3% of Schedule HI, Item 5.1):

a. b. c. d. e. f.

Income and fees from the printing and sale of checks ...................................................... Earnings on/increase in value of cash surrender value of life insurance .......................... Income and fees from automated teller machines (ATMs) ............... ................................. Rent and other income from other real estate owned ....................................................... Safe deposit box rent ........................................................................................................

BHCK C01 3 C014 C016 4042 C01 5 F229 F555 8562 8563 8564

0 0 0 0 0 2005000

M.6.a. M.6.b. M.6.c. M.6.d. M.6.e. M.6.f. M.6.g. M.6.h. M.6.i. M.B.j.
3108

Net change in the fair values of financial instruments accounted for under a fair value option ..................................................................................................................... g. Bank ca''CI and credit card interchange fees......................................... ........................
TEXT

PROCEEDS FROM SALE OF VISA SHARES IN IPO

h. i.
j.

8562

1 500000 518000 429000

TEXT

AUTO OPERATING AND FINANCING LEASES LOAN COMMITMENT FEES

8563

TEXT

8564

RSSO 10:

1039502

FR Y-9C Page 3

Schedule HI-Continued

MEMORANDA (continued) Dollar Amounts in Thousands BHCK 7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts greater than $25,000 that exceed 3% of the sum of Schedule HI, item 7.d): a. Data processing expenses ................................................................................................ C01 7 b. Advertising and marketing expenses ................................................................................ 0497 c. Directors' fees . . . . ... .. . . . . . . . . . .. . ... . . . ....... . . . . . 4136 d. Printing, stationery, and supplies....................................................................................... CO'\8 8403 e. Postage f. Legal fees and expenses .................................................................................................. 4141 g. FDIC deposit insurance assessments ............................................................................... 4146 h. Accounting and auditing expenses ............................................................................... F556
.. . .... . . . .. . . . . . . .. . . . . . .. . . . .......... . .... .. .. .... .. . .. . . . . . . .. .

I
1 913000 0 0 434000 527000 0 0 4740000 0 0 739000 -647000
432000 697000

.......

....

..

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

i. Consulting and advisory expenses ..................................... .......................................... j . Automated teller machine (ATM) and interchange expenses .....................................

k. Telecommunications expenses .....................................................................................

TEXT

I. RELEASE OF LITIGATION RESERVES m. 8566 MERGER COSTS 8567 n. 8. Extraordinary items and other adjustments (from Schedule HI, item 12) (itemize a/l exttaordinary items and other adjustments): TEXT ACQUIRED WASHINGTON MUTUALS BANKING OPERATIONS a. (1) J 3571 (2) Aoolieal le income tax effect ... . .. .. .. . .. LBHCK I 3572 I TEXT b. (1 )1 3573 (2) Annli""'ble income tax effect .. ...... .. .... .. .. 1 BHCK 1 3574 1 TEXT c. (1)II 3575 (2) Applicable income tax effect ...... . . .... ... ...... 1 BHCK L 3576 1 9. Trading revenue (from cash instruments and derivative instruments) (Sum of items 9.a through 9.e must equal Schedule HI. item 5.c.)
TEXT TEXT
.. .. .. .. . . .... ... . . .. . . . . . . . .

8565

TRAVEL

AND

ENTERTAINMENT EXPENSE

F557 F558 F559 8565

8566 I 8567

M.7a. M.7.b. M.7.c. M.7.d. M.7.e. M.7.f. M.7.g. M.7.h. M.7.i. M.7.j. M.7.k. M.7.1. M.7.m. M.7.n.

0 0 0

3571 3573 3575

1 906000 0 0

M.B.a.(1) M.8.a.(2) M.S.b.(1) M.B.b.(2) M.8.c.(1) M.B.c.(2)

a. Interest rate exposures...................................................................................................... 6757 b. Foreign exchange exposures ............................................................................................ 8758 c. Equity security and index exposures ................................................................................. 8759 d. Commodity and other exposures ...................................................................................... 8760 e. Credit exposures ............................................................................................................... F186 1 O. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account: a. Net gains (losses) on credit derivatives held for trading.................................................... C889 b. Net gains (losses) on credit derivatives held for purposes other than trading................... C890 11. Credit losses on derivatives (see instructions)....................................................................... A251 1 2. a. Income from the sale and servicing of mutual funds and annuities (in domestic offices) . 8431 b. (1) Premiums on insurance related to the extension of credit .......................................... C242 (2) All other insurance premiums ..................................................................................... C243 c. Benefits, losses, and expenses from insurance-related activities ..................................... B983 1 3. Does the reporting bank holding company have a Subchapter S election in effect for i :::. :.......:.... ::..:.. ...
.

(To be completed by bank holding companies that reported average trading assets (Schedule HCK, item 4.a) of $2 million or more for any quarter of the preceding calendar year):

-5258000 1 840000 -49000 1 089000 -7413000 250000 2795000 724000 186000 142000 490000
o

M.9.a. M.9.b. M.9.c. M.9.d. M.9.e. M.10.a. M.10.b. M.11. M.12.a. M.12.b.(1) M.12.b.(2) M.12.c.
I

2051 000

:. . . . . ... . .. . . . . . . . . Bil

M.1 3.

3108

RSSD ID:

1039502

FR Y-9C Page 4

Schedule HI-Continued
MEMORANDA (continued) Dollar Amounts in Thousands
Memorandum item

14 Is to be completed by bank holding companies that have elected to

BHCK \

account for assets and liabilities under a fair value option.

14. Net gains (losses) recognized in earnings on assets and liabilities that are reported at
fair value under a fair value option:

a. Net gains (losses) on assets . . .. . ......................... . ........ . . . . .................................... ....... .... (1 ) Estimated net gains (losses) on loans attributable to changes in instrumentspecific credit risk . . . . . ... . . . . . . . . .. b. Net gains (losses) on liabilities ......................................................................................
............., . .. ..... ... .... .. .... ... .. ................. . .. ..

F551 F552 F553 F554 C409

I T

-5070000 -12076000 18200000 1211000 1582000

Y ear-to-date

M.14.a. M.14.a.(1 ) M.14.b. M.14.b.(1 ) M.15.

...................

(1)

Estimated net gains (losses) on liabilities attributable to changes In Instrument-specific credit risk .................................................................................

I
I

1 5. Stock-based employee compensation expense (net of tax effects) calculated for all awards under the fair value method ....................................................................................... Memorandum item 16 is to be completed by bank holding companies that are required to complete Schedule HC-C, Memorandum items 6.b and 6.c. 1 6. Noncash Income from negative amortization on closed-end loans secured by 1-4 family residential properties (included in Schedule HI, item 1 .a.(1 )(a}) . . . .. ..
..... . ....... ....... . ............

BHCK-r
....

I
3000
M.16.

F228

Schedule HI-A-Changes in Equity Capital

Dollar Amounts in Thousands BHCK 1 . Equity capital most recently reported for the end of previous calendar year (i.e., after adjustments from amended Reports of Income) .............................................. ...................... 221 7 2. Restatements due to corrections of material accounting errors and changes in accounting principles1 ............................................................................................................ B007 8508 3. Balance end of previous calendar year as restated (sum of items 1 and 2) . . .. . .
.. .. . ... ... .........

I
123221000 123221000 5605000 31533000 352000 284000 0 3366000 0 0 674000 5633000 -4770000 0 13600000 166884000
0

1. 2. 3.

4. Net income (loss) (must equal Schedule HI, item 13) ............................................................ 5. Sale of perpetual preferred stock (excluding treasury stock transactions): a. Sale of perpetual preferred stock, gross ........................... ................................................ b. Conversion or retirement of perpetual preferred stock ...................................................... 6. Sale of common stock: a. Sale of common stock, gross ............................................................................................ b. Conversion or retirement of common stock.................................................... ................... 7. Sale of treasury stock B. LESS: Purchase of treasury stock ......................................................................................... 9. Changes incident to business combinations, net.. ................................................................. 1 0. LESS: Cash dividends declared on preferred stock............................................................... 1 1 . LESS: Cash dividendS declared o n common stock: ............................................................... 1 2. Other comprehensive income2 ............................................................................................... 1 3. Change in the offsetting debit to the liability for Employee Stock Ownership Plan (ESOP) debt guaranteed by the bank holding company ........................................................ 1 4. Other adjustments to equity capital (not included above) ...................................................... 1 5. Total equity capital end of current period (sum of items 3, 4, 5, 6, 7, 9, 12, 13, and 14, less items 8, 1 0, and 1 1 ) (must equal item 28 on Schedule HC, Balance Sheet) ..................
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . .

bhct

BHCK
3577 3578 3579 3580 4782 4783 4356 4598 4460 8511 4591 3581 bhct 3210

4340

4.
5.a. 5.b. 6.a. 6.b.
7. 8.
9.

1 0. 11. 12. 1 3. 1 4. 1 5.

1.

2 . Includes changes in net unrealized holding gains (losses)

Notes to the Income Statement-Other, item 1 .

Include the cumulative-effect adjustment resulting from the initial adoption of FAS 1 59, Fair Value Option, and describe separately i n the cash flow hedges, foreign currency translation ad)ustmen\s, and pension and other postretirement plan related changes other than net periodic benefit cost.
on

available-for-sale securities, changes i n accumulated net gains (losses) on

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RSSO 10:

1039502

FR Y-9C Page S

Schedule HI-B-Charge-Offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses
Charge-offst
Dollar Amounts in Thousands I. Charge-ofts and Recoveries on Loans and Leases (Fully Consolidated)

(ColumnA)

(Column B)

BHCK

Recoveries

BHCK

1.

Loans secured by real estate: a. Construction, land development, and other land loans in domestic offices:

(1 ) 1-4 family residential construction loans ............... C891

(2) Other construction loans and all land

88000 C892 2 5000 C894 0 3585

0 3000 0

1 .8.(1 )

development and other land loans.................. . ........

b. Secured by farmland in domestic offices .......... . c. Secured by offices:
'" ......

......

C893 3584

1 a (2) 1 .b.
. .

1-4 family residential

properties in domestic

(1 )

Revolving, open-end loans secured by credit

1-4 family

residential properties and extended under lines of

. . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

5411 C234 C235 3588

1 1 84000 5412 1713000 C217 993000 C218 8000 3589

1 5000 13000 8000 1000

1 .c.(1 )

(2) Closed-end loans secured by properties in domestic offices:

1-4 family residential 1 .c.(2)(a) 1 c (2)(b)

. .

(a) Secured by first liens ............................................ (b) Secured by junior liens ........... ......... ..................... d. Secured by multifamily (5 o r more) residential properties in domestic offices ................. ................... . . . ..... e. Secured by nonfarm nonresidential properties in domestic offices:

Loans secured by owner-occupied nonfarm nonresidential properties ............................... . ......... (2) Loans secured by other nonfarm nonresidential properties ...................................................................
f. In foreign offices ..................................... ...........................

(1)

C895 C897 8512 4653 4654 4655

3000 C896 9000 C898 0 8513 0 4663 2000 4664 0 4665

1000 2000 0 0 3000 0 139000 16000 577000 140000 0 10000 0 1 000 929000

e (1 )
.

1 .e.(2) 1 .f.

2.

Loans to depository institutions and acceptances of other banks: a. T U.S. banks and other U.S. depository institutions ........ o b. To foreign banks ................................. ............................... 2.a. 2.b.

3.

Loans t o finance agricultural production and other loans to farmers ..............................................................................

3.
4.a. 4.b.

4. Commercial and industrial loans: a. To U.S. addressees (domiCile) .......................................... b. To non-U.S. addressees (domicile) ...................................

4645
4646 8514 B516 4643 4644 F185 C880 4635

1284000 46'\1

36000 4618

5.

Loans to individuals for household, family, and other personal expenditures: b . Other (includes single payment, installment, all student a. Credit cards ............................................................ ........... Loans to foreign govemments and official institutions ........... loans. and revolving credit plans other than credit cards) .

4409000 B515 924000 8517 0 4627 78000 4628 4000 F187 4000 F188

5a
.

S.b.

6.

6.
7.

7. All other loans .................................................. . ..................... 8. Lease financing receivables:

a. Leases to individuals for household, family, and other personal expenditures ..................... ......................... b . All other leases ............................. .......... ............. .............. 9 . Total (sum of items

8.a. S.b. 9.

through 8).

... . . . . . . . . . . . . . . . . . . .

....

..

......

..

.......

1 01 64000

4605

1. Include wrlte-downs arising from transfers to a he/d-for-sale account.

3/07

RSSD ID:

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FR Y-9C Page 6

Schedule HI-B-Continued
MEMORANDA

(Column A) Charge-offs1
Dollar Amounts in Thousands 1 . Loans to finance commercial real estate, construction. and land development activities (not secured by real estate) 2. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule HI-B, part I, item included in Schedule HI-B. part I, items 4 and 7 above .........

BHCK I 5409 \

(Column B) Recoveries Calendar year-to-date BHCK I I I J

0 5410 I 0 4662 I

0 0

M.1 .
M2
. .

1 , above) . 4652 I

Memorandum item 3 is to be completed by (1) bank holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) bank holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).
3. Uncollectible retail credit card fees and finance charges reversed against income
(Le., not included in charge-offs against the allowance for loan and lease losses) ..............
.

Calendar year-to-date BHCK I I I 1383000 c3aa l BHCK

M3
.

Dollar Amounts in Thousands II. Changes in allowance for loan and lease losses

I
92 3 4 00 0 92 9000

1 . Balance most recently reported at end of previous year (Le., after adjustments from
amended Reports of Income)
. . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

2. Recoveries (must equal Schedule HI-B, part I, item 9, column B, above) ........... ..................

3. LESS: Charge-offs (must equal Schedule HI-B, part I, item 9, column A above less
Schedule HI-B, part II, item 4)
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4. Less: Write-downs arising from transfers of loans to a held-far-sale account ........ .... ........... 5. Provision for loan and lease losses (must equal Schedule HI, item 4) ..................................

6.

Adjustments (see instructions for this schedule) (must equal Schedule He, item 4.c)

7. Balance at end of current period (sum of items

1, 2, 5. and 6, less items 3 and 4)

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . .

B522 bhct 4605 BHCK C079 5523 bhct 4230 BHCK C233 bhct 3123

1.
2.

10764000 21237000 2528000

3. 4.
5.

6.
7.

23164000

1. Include write-downs arising from transfers to a held-for-sale account.

3/07

RSSO 10:

1 0 3 9 5 02

FR Y-9C Page 7

Schedu le H I-B-Continued
MEMORANDA

BHCK / 1 . Allocated transfer risk reserve included in Schedule HI-B, part II, item 7 ............................... C435 I
Dollar Amounts in Thousands

M.1.

Memoranda items 2 and 3 are to be completed by (1) bank holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) bank holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).

2. Separate valuation allowance for uncollectible retail credit card fees and finance charges... C389 l 3. Amount of allowance for loan and lease losses attributable to retail credit card fees
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

595000

M2
.

and finance charges (included in Schedule HC, item 4.c and Schedule HI-B, part II, item 7) Memorandum Item 4 ;s to be completed by all bank holding companies. 4. Amount of allowance for post-acquisition losses on purchased Impaired loans accounted for in accordance with AICPA Statement of Position 03-3 (included in Schedule HI-B, part II, item 7, above) ..................................................................... ........................................

C390 I

M.3.

C781 /

M.4.

Notes to the Income Statement-Predecessor Financial Items

For bank holding companies involved in a business combination(s) during the quarter, provide on the linea below income statement information for any acquired company(ies) with aggregrated assets of $1 0 billion or more or 5 percent of the reporting bank holding company's total consolidated assets as of the previous quarter-end, whichever Is less. Information should be reported year-to-date of acquisition.

Dollar Amount in Thousands 1 . Total interest income ............................................................................................................ a . Interest income on loans and lea5es . . . . . . .... . . . ..... . b. Interest income on investment securities ................................................. ....................... .. 2. Total interest expense .......................................................................................................... . a. Interest expense on deposits ........................................................................................... 3. Net interest income .............................................................................................................. . 4. Provision for loan and lease losses....................................................................................... 5. Total noninterest income ....................................................................................................... . a. Income from fiduciary activities ........................................................................................ b. Trading revenue ......................................................................................... ..................... c. Investment banking, advisory, brokerage. and underwriting fees and commissions........ . d. Venture capital revenue.................................................................................................... e. Net securitization income ................................................................................................. f. Insurance commissions and fees .................................................................................... . 6. Realized gains (losses) on held-ta-maturity and available-for-sale securities ..................... 7. Total noninterest expense ..................................................................................................... a. Salaries and employee benefits ............................. ......................................................... . b. Goodwill impairment losses.............................................................. ................................ 8. Income (loss) before taxes, extraordinary items, and other adjustments.............................. 9. Applicable income taxes ....................................................................................................... . 10. Minority interest..................................................................................................................... 1 1 . Extraordinary items net of appli cable income taxes and minority interest ........................... 12. Net income (loss) ................................................................................................................. 1 3. Cash dividends declared ............................................................... ....................................... . 14. Net charge-ofts...................................................................................................................... . 1 5. Net interest income (item 3 above) on a fully taxable equivalent basis . . .............................
.. . . . . ............ ..................... .... ... ... . ... .... . .. , . . . . .. . . . .. . . . . . , . .. . .. . .. .

SHBC 4107 4094 4218 4073 4421 4074 4230 4079 4070 A220 8490 8491 8493 8494 4091 4093 C216 4301 4302 4484 4320 4340 4475 6061 4519
4135

1. 2. 2a 3.
.

1 .a. 1 .b.
.

4.
5.

5a
.

S.b. 5.c. Sd 5e 5f
. . . . . .

6.
7. 7.a. 7.b. 8. 9.
.

11. 12. 1 3.
14. 15
.

10

3107

RSSO 10:

1 039502

FR Y-9C Page 8

Notes to the Income Statement-Other

Enter in the lines provided below any additional information on specific line Items on the income statement or to its schedules that the bank holding company wishes to explain, that has been separately disclosed in the bank holding company's quarterly reports to its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Exclude any transactions that have been separately disclosed under the reporting requirements specified in memoranda items 6 through 8 to Schedule HI, the Consolidated Income Statement. Also include any transactions which previously would have appeared as footnotes to Schedules HI through HI-B. Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a deSCription of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.

Example
A bank holding company has received $1 .35 million of back interest on loans and leases that are currently in nonaccrual status. The holding company's interest income for the quarter shows that increase which has been disclosed in the report to the stockholders and to the SEC. Enter on the line item below the following information:
TEXT
HI ,

0000

BHCKl
item l . a ( l ) , l oans to XYZ Recogn i t i o n of i n t e r e s t payments country on

Sch .

1
3 50

nonaccrual

0000 1

1 1 1

Notes to the Income Statement-Other

TEXT

Dollar Amount in Thousands

1.

Cumulative-effect adjustment resulting from the initial adoption of FAS 159. Fair Value Option 5352 SCHEDULE HI MEMO LINE ITEM 6 . K LETTERS OF CREDIT COMMITMENT FEES

BHCK I F465 1 5352 1 5353 J 5354 1 5355 1 8042 1 B043

1
0 439000 519000 -351000 1048000
0

1.

2.

3. 5353 SCHEDULE HI MEMO LINE ITEM 6 . L CREDT CARD FEES 4. 5354 SCHEDULE HI MEMO LINE ITEM 6 .M EQUITY INCOME 5. 5355 SCHEDULE HI MEMO LINE ITEM 6 . N GAIN FROM JOINT VENTURE DISSOLUTION 6. 8042
7. 8043

2.

3. 4. 5. 6. 7.
B.

B. 8044

0 0 0 0

9. 8045
10. 8046

8044 I 8045 \ 8046 1

9.

10.
6(07

RSSO 10:

1039502

FR Y-9C Page 9

Notes to the Income Statement-Other, Continued

11. 1 2. 1 3. 14. 15. 16. 17. 18. 19. 20.

TEXT 8047

Dollar Amount in Thousands 8HCK

/ 1 1 1
I

1
0 11. 0 12. 0 1 3. 0 14. 0 15. 0 16.
0

8047 8048 8048 8049 8049 8050 8050 B051 8051 8052 8052 B053 8053 8054 8054 B055
8055

1 I I I I I

17. 18. 19.

B056 B056

0 20.

3103

For Federal Reserve Bank U se Only

C.l. JPMORGAN CHASE
&

RSSD ID:

1 039502

FR Y-9C Page 1 0

CO .

Name of Bank Holding Company

Consolidated Financial Statements for Bank Holding Companies

Report at the close of business

20081231
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Schedule HC-Consolidated Balance Sheet

Dollar Amounts in Thousands ASSETS 1 . Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin b. Interest-bearing balances:2 .. (1 ) In U.S. offices................................................. : (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ................................. 2. Securities: a. Held-ta-maturity securities (from Schedule HC-B, column A) ........................................... b. Available-for-sale securities (from Schedule HC-B, column D) ......................................... 3. Federal funds sold and securities purchased under agreements to resell: 1 BHDM . .. a. Federal funds sold in domestic offices . . . . .. . . . 1 BHCK . . . . b. Securities purchased under agreements to reseU3 4. Loans and lease financing receivables: a. Loans and leases held for sale........................................... 746872000 r B528 -r b. Loans and leases, net of unearned income . . . 231 64000 1 3 1 23 I c. LESS: Allowance for loan and lease losses .. .. d. Loans and leases, net of unearned income and allowance for loan and lease losses (item 4.b minus 4.c) . . .. . . . . . . . . . . . . . ... . .. .. . . 5. Trading assets (from Schedule HC-D) ................................................................................... 6. Premises and fixed assets (including capitalized leases) ...................................................... 7. Other real estate owned (from Schedule HC-M) .................................................................... 8. Investments in unconsolidated subsidiaries and associated companies ............................... 9. Not applicable 10. Intangible assets: a. Goodwill b. Other intangible assets (from Schedule HC-M) ................................................................. 11. Other assets (from Schedule HC-F)....................................................................................... 12. Total assets (sum of items 1 through 11) ...............................................................................
1 . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
..

BHCK 0081 0395 0397

1 754

I
26896000 89986000 3 4000 1 99856000 2850000 324265000 14314000
6 7 0 4 6000

1 .a. 1 .b.(1 ) 1 .b.(2) 2a 2b

. . . .

.. . . .. . . . . . . . . . . . ... . . . . . . . ...

. . . .......................

1773 B987 B989 5369

....

..

...

..

.......

. . . . . . . . . . . ... ..

...

............... ......

.. . . . . . . . .

.........

. . . ..............

3a 3b
. .

. .

... ...

..

.............

.. . . . . .

........

4.a. 4.b. 4.c. 4.d.

5. 6. 7.

..

............

.........

..

.. . .

..

.....

..

...

..

....

..

.....

.....

.....

......

....

8529
3545 2150 2 1 45

2130

509912000 8475000 5252000 5902000

723708000

8.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . .

3163 0426 2160 2170

4 8027000 14984000 1 33545000 2175052000

1 0.a. 1 0.b. 11. 12.

1 . Includes cash items in process of collection and unposted debits. 2. Includes time certificates of deposit not held for trading. 3 . Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.

3106

RSSD ID: 1 03 9502

FR Y-9C Page 11

Schedule HC-Continued
Dollar Amounts in Thousands BHDMT LIABILITIES 1 3. Deposits: a. In domestic offices (from Schedule HC-E): (1 ) Noninterest-bearing1 ................................................................................................... 6631 T 6636 I (2) Interest-bearing
........................ . . . . . . . . . . . . . . . . . . . . .................... . . . . . . . . . . . . . . . .. . . . . . . . .................. .

2 1 0 8 9 9000 5 1 1 077000

1 3 a (2)
. .

1 3.a.(1 )

BHFN b. In foreign offices, Edge and Agreement subsidiaries, and IBFs: ( 1 ) Noninterest-bearing ........................................................................... ........................ . 6631 (2) Interest-bearing ......................................................................................................... 6636
..

7 6 97000 2 7 9 604000

1 3.b.(1 ) 1 3.b.(2)

BHCK
14. Federal funds purchased and securities sold under agreements to repurchase: a. Federal funds purchased in domestic offices2 ...................................................... I BHDM b. Securities sold under agreements to repurchasel................................................ f BHCK 15. Trading liabilities (from Schedule HC-D) .................................................................. . . .. . . 1 6. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule HC-M). ............................................................... . 1 7. Not applicable 1 8. Not applicable 19. a. Subordinated notes and debentures4 .................................................................... . . b. Subordinated notes payable to unconsolidated trusts Issuing trust preferred securities, and trust preferred securities issued by consolidated special purpose entities .... . ... 20. Other liabilities (from Schedule HC-G) . ............................................................ ........ . .. 21 . Total liabilities (sum of items 13 through 20) . . . .. . . . .. . . .... .... . . ........ 22. Minority interest in consolidated subsidiaries and similar items................................. . .
. . . ... . . . .. ............ .... ...... .. ..... . ..... ....... . ..... ... . . . . . .. . . . . .... . ....... .... ..... . . . . . .. . . . ... ......

B993 B995 3548 3190

4062

1 2 333000 1 80533000 1 6687 6000 391 978000

1 4.a. 14.b. 15. 1 6.

4 0 602000 1 8 5 8 9000 1 8 6805000 2 0 0 6 9 93000 1 175000

1 9.a

C699 2750 2948 3000

1 9.b. 20. 21 . 22 .

EQUITY CAPITAL 23. Perpetual preferred stock and related surplus ........................................................... 24. Common stock (par value) ......................................................................................... . . 25. Surplus (exclude all surplus related to preferred stock) ............................................ . 26. a. Retained earnings ................................................................................... .............. . b. Accumulated other comprehensive incomeS ......................................................... .. . 27. Other equity capital components6 ............................................................................. . . 28. Total equity capital (sum of items 23 through 27). . . . . . . . .. . . 29. Total liabilities, minority interest, and equity capital (sum of items 21 , 22, and 28) ... .
. . . . . . . .... .... ... ... . . . .......... ... .......... . .. .

........... .

............ ... ......

.. ....

..

............. .. .

3230 3240 3247 . . . B530 .. ... A130 .. 3210 . . . 3300

...... ... ..

..

. 3283

31 939000 23 . 3 942000 24. 92143000 25. 5 4 0 1 3000 26.a . -5687000 26.b. - 9 4 66000 27. 1 6 68 8 4 0 0 0 28. 2 17 5052000 29
.

MEMORANDA (to be completed annually by bank holding companies for the December 31 report date)

2. If response to Memoranda item 1 i s yes. indicate below the name and address of the bank holding company's independent extemal aUditing firm (see instructions). and the name and e-mail address of the auditing firm's engagement partner.7 a.
(1) Name of External Auditing Finn (TEXT C703)

BHCK I 1 . Has the bank holding company engaged in a full-scope independent external audit at any time during the 1----.----1 C8M I 1 M.1. . . .. . . .. . . . . .. calendar year? (Enter "1 for yes, enter O" for no) ... . . . . .
. . ... ... .......... ... ....... . .. .... ...... .......... ... ..... ... ....

PRICEWATERHOUSECOOPERS LLP NEW YORK NY

b.

( 1 ) Name of Engagement Partner (TEXT C704)

(2) City (TEXT C708)

(2) E-ma Address (TEXT C70S)

10017
(4) Zip Code (TEXT C71S)

(3) State Abbrev. (TEXT C714)

1. 2. 3. 4. 5.

Includes total demand deposits and noninterest-i>earing time and savings depOSits. Report ovemight Federal Home Loan Bank advances in Schedule HC. item 16, Other borrowed money: Includes all securities repurchase agreements In domestic and foreign offices regardless of maturity. Includes limited-life preferred stock and related surplus. Includes net unrealized holding gains (losses) on available-far-sale securtties, accumulated net gains (losses) on cash flow hedges, cumulative foreign currency translation adjustments, and minimum pension liability adjustments. 6. Includes treasury stock and uneamed Employee Stock Ownership Plan shares. 7. Th e Federal Reserve regards information submitted in response to Memorandum item 2.b. as confidential.

3/06

RSSO 10:

1039502

Schedule HC-8-Securlties
HekI-to-Maturitv (Column B) (Column A) Fair Value Amortized Cost Available-tor-Sale (Column D) (Column C) Fair Value Amortized Cost

1 . U.S. Treasury securities . . . . . . . . . . . . . . . . . . . . . . 0211 I 2. U.S. government agency obligations (exclude mortgage-backed securities): a. Issued by U.S. government agencies' . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1289 I b. Issued by U.S. govemmentsponsored agencies' ....................... 1294 I 3. Securities issued by states and political subdivisions in the U.S . . . . . ....... 8496 1 4. Mortgage-backed securities (MBS) a. Pass-through securities: ( 1 ) Guaranteed by GNMA .................. 1698 I (2) Issued by FNMA and FHLMC ...... 1703 I (3) Other pass-through securities....... 1709 I b. Other mortgage-backed securities (include CMOs. REMICs. and stripped MBS): (1) Issued or guaranteed by FNMA. FHLMC. or GNMA ............ 1714 I (2) Collateralized by MBS issued or guaranteed by FNMA. FHLMC. or GNMA......................... 1718 I (3) All other mortgage-backed securities. . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . 1733 I 5. Asset-backed securities (ABS) ................ C026 I 6. Other debt securities: a. Other domestic debt securities ........ 1737 I b. Foreign debt securities ................... 1 742 I

Dollar Amounts in Thousands

BHCK I

BHCK I 0213 I

BHCK I 1286 (

616000

BHCK I 1287 1

611000

1.

1 290

12911 12971
8498

69000

1293-r 12981 8499 I

1702 1 1 707 I 1 713/

82000

2.8. 2.b. 3.

1295-T 8497 I 1699 I 1705 1 1110 1

9717000

9 6 6 4 0 00

3 4 7 9 000

3335000

0
3400 0

0
35000 0

1701 I 1 706 I 1711 T

6267000 1 0 1 890000

6409000
103981000

1000

1000

4.a.(1 ) 4.8.(2) 4.8.(3)

1715 I 1719 I 1734 1 C988 1 1738 I 1743 I

1716 I 1731 I 1735 I c989 1 1739 1 17441

7 0 4 10 0 0

1717T 1732 I 1 736 I C027T 1741 1 1746 I

6995000

4.b.(1 )

4.b.(2) 4.b.(3) 5.
6.a 6.b.

0 0

0 0

15894000 37753000

13102000 34 7 1 0 0 0 0

0 0

0
0

8 7 7 6000 8755000

8 9 7 10 0 0 8921000

1. Includes SmaR Business Administration "Guaranteed Loan Pool Certificates.' U.S. Maritime Administration obligations, and Export-Import Bank participation certiftcales. 2. Includes obligations (olhef \han mortgage-bacl<ed seoJlilies) issued by the Farm Credit System. the Federal Home Loan Bank System. the Federal Home Loan Mortgage Corporation. the Federal National Mortgage A&sociation. the Finencing Corporation. Resolution Funding Corporation. the Student Loan Marketing Association. and tha Tenneseee Valley Authority.

310

Schedule HC-B-Continued
Held-to-Maturity (ColumnA) (Column B) Fair Value Amortized Cost

RSSD ID:
Available-for-Sale (Column C) (Column D) Amortized Cost Fair lfcllue'

1039502

FRY-9 Page 1:

Dollar Amounts In Thousands

BHCK I

7. Investments in mutual funds and other equity securities with readily determinable fair values ......................... 8. Total (sum of 1 through 7) (total of column A must equal Schedule HC, item 2.a) (total of column 0 must equal Schedule HC, item 2.b) . . . . . . . . . . . . . . . . . . . . . . . . . 1754 MEMORANDA

BHCK I

BHCK I

BHCK I
A,511

I
3t1I>1!OI)\)

A,510-\

3In3\)\)\)

7.

lbhdl
I

34000

1771

35000

177Z-)

2D3331DOD

1773 1

1 9 9856000

8.

1. Pledged securities' ................................................................................................................................................................................. . 0416 2. Remaining maturity or next repricing date of debt securities'" (Schedule HC-B, items 1 through 6.b in columns A and 0 above): a. 1 year and less .................................................................................................................................................................................. . 0383 b. OVer 1 year to 5 years ....................................................................................................................................................................... . 0384 c. Over 5 years ..................................................................................................................................................................................... .. 0387 3. Amortized cost of held-to-maturity securities sold or transferred to avaIlabie-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)........................................................................................................ . 1778 4. Structured notes (included in the he/d-to-maturity and available-tor-sale accounts In Schedule He-S, items 2. 3. 5, and 6): a. Amortized cost ................................................................................................................................................................................... . 8782 b. Fair value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8783 Held-to-Maturitv (Column B) (Column A) Fair Value Amortized Cost

DoUer Amounts in Thousands

BHCK I I

I
31024000 18003000 2 4 962000 153857000 0 0

M.1. M.2.a. M.2.b. M.2.c. M. 3. M.4.a. M.4.b.

1 I
I I \

DoUar Amounts in Thousands BHCK Memorandum Item 5 Is to be completed by benk holding companies with total assets over $1 billion or with foreign offlCfl$. 5. Asset-backed securities (ABS) (sum of Memorandum items 5.8 throUgh 5.f must equal Schedule He-B, item 5): a Credit card receivables....................... 8838 b. Home equity lines ............................... 8842 c. Automobile loans................................ 8846 d. Other consumer loans ........................ 8850 e. Commercial and industrial loans ........ 8854 f. Other .................................................. B858

BHCK I

BHCK I

Avaiiabie-for-Sale (Column D) (Column C) Fair V alue' Amortized Cost

BHCK

0 0 0 0 0 0

8839 8843 8847

8851

0 8840
0 0 () 0 0

B844

13651000 0 0 1008000 11847000 1 1 247000

8841
8845

1 1 391000 0 0 878000 1 1 1 95000 1 1 2 4 6000

8848
8&52

8849
8861

8855 8859

B858 B860

8853

B857

M.5.a. M.5.b. M.5.c. M.S.d. M.5.e. M.S.f.

2. 3.

1. Includes held-to-maturity securities at amortized cost and avallabl&-for-sa/e S8GUritIes al fair value. Exclude investments in mutual funds and other equity securities with readily determinable fair values. Report fixed rate debt securities by remaining maturity and floating debt securities by next repricing date.

311

not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report ( 1 ) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.

Do

Schedule HC-C-Loans and Lease Financing Receivables

RSSD ID: 1 03 9502

Page 1 4

(ColumnA)
Consolidated

(Column S)
In Domestic OffIces

BHCKT 1 . Loans secured by real estate ................................................. 1410 I

Dollar Amounts in Thousands a. Construction. land development, and other land loans: ( 1 ) 1-4 family residential construction loans ............... (2) Other construction loans and all land
development and other land loans...........................

3 6n1 1 0 0 0

BHDM

I
1.
2 653000 7 7 4 8000 1 61 000

BHCK F158 F159 BHDM 1420

1 .a.(1 ) 1 .a.(2) 1 .b.

b. Secured by farmland . . . .. . . . c. Secured by 1-4 family residential properties: (1 ) Revolving. open-end loans secured by 1-4 family residential properties and extended under lines of credit ........................................................................... (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens ............................................ (b) Secured by junior liens ......................................... d. Secured by multifamily (5 or more) residential properties ....................................................... ................... e. Secured by nonfarm nonresidential properties: (1 ) Loans secured by owner-occupied nonfarm
............. ............ ... . .. ...... . . . .. . . . . ...

1797 5367 5368 1 460 BHCK Fi60 F161 BHDM 1288

2 4 7 000 1 1 7 51000 4 5 9000 1 0 5 908000 4 5 3 2 9000

1 1 1502000
168072000

1 .c.(1 )

1 9934000 32283000
1 1 134 000

1 .c.(2)(a) 1 .c.(2)(b) 1 .d.

2. Loans to depository institutions and acceptances of other banks a. To U.S. banks and other U.S. depository institutions . ....... b. To foreign banks . . . .. .... .. . . . .. . . . . .. . . 3. Loans to finance agricultural production and other loans to farmers ................................................................................... 4. Commercial and Industrial loans ............................................ a. To U.S. addressees (domicile) .......................................... b. To non-U.S. addressees (domicile) ................................... 5. Not applicable 6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper) ...................,' . . . . .. .. . . a. Credit cards ...................................................................... b. Other revolving credit plans............................................... c. Other consumer loans (includes single payment. installment, and all student loans) ..................................... 7. Loans to foreign governments and official institutions (Including foreign central banks) ............................................ 8. Not applicable 9. a. Loans for purchasing and carrying securities (secured and unsecured) ................................................................. b. All other loans.. . . .. . . .. . . . . . . . .. . .. . . . . . . 10. Lease financing receivables (net of unearned income).......... a . Leases to individuals for household, family. and other personal expenditures (i.e., consumer leases) ........ b. All other leases .................................................................. 1 1 . LESS: Any unearned Income on loans reflected in items 1-9 above ....................................... .............................. 1 2. Total (sum of items 1 through 10 minus item 1 1 ) (total of column A must equal Schedule He, sum of items 4.a and 4.b) ..................................................................
.. . ..... .. . .... . ... .. .... . .. . ..... ...... . . . . . .. .......... . . .... . ...... . ... ... . . ... . . . . . .. . . . .. ... . .. .... ...... .......

nonresidential properties .......................................... (2) Loans secured by other nonfarm nonresidential properties ...................................................................
.. . . . . .. . . . . . . . . . . . . . . .. . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . .

1 .e.(1 )

1 2 9 68000 1 92 6000

1 .e.(2) 2. 2.s. 2.b.

1292 1296 1 590 1763 1764

I I I I I

1590 1766

4 33000 107 387000

3. 4. 4.a. 4.b.

8538

8539

94051000

1975

1 4 9090000

2 2 60000
55034000

6. 6.a. 6.b.
6.c.

2011 1 2081 1 1 545 I 1564 I F162 I F163 1 2123 1 2122 I

3 2 9000

2081 1 545 1564 2165

1 98000

7.

20472000 54653000

1 9738000 3 8 655000 2 8 4 90 0 0

9.a. 9.b. 1 0. 1 0.s. 1 0.b.

2 902000

80000

2123 2122

11.

7 61 1 86000

686731000

1 2.

3107

RSSD ID:

1039502

FR Y-9C Page 15

Schedule HC-C-Continued
MEMORANDA Dollar Amounts in Thousands 1 . loans and leases restructured and in compliance with modified terms (included in Schedule HC-C, above and not reported as past due or nonaccrual ln Schedule HCN, memorandum item 1 ): a. Loans secured by 1-4 family residential properties In domestic offices b. Other loans and all other leases (exclude loans to individuals for household, family, and other personal expenditures) 2. loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule HCC, items 4 and 9, column A, above 3. loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule HC-C, item 1 , column A) ...................................................... ..................................
. . .. . . . . .........

BHDM

1
4 108000 5000 11947000 1774000

F576 BHCK
1616

M.1 .a. M . 1 .b.

................................ ......... . . . . . . . . . . . . . . . ..........

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK 2746 B837

M.2. M
.

Memorandum item 4 is to be completed by (1) bank holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) bank holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions)

4. Outstanding credit card fees and finance charges (included in Schedule HC-C,
item 6.a, column A)
. . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . .

C391

3 4 4 6000

M4
.

Statement of Position 03-3 (exclude loans held for sale): a. Outstanding balance ......................................................................................................... Cn9 b. Carrying amount included in Schedule HC-C, items 1 through 9 ...................................... C780 6. Closed-end loans with negative amortization features secured by 1-4 family residential properties in domestic offices: a. Total carrying amount of closed-end loans with negative amortization features secured by 1-4 family residential properties (included in Schedule HC-C. items 1 .c.(2)(a) and (b .............................................................................................................. F230

5. Purchased impaired loans held for investment accounted for In accordance with AICPA

Memorandum item 5 1s to be completed by all bank holding companies.

117227000 8 9037000

M.5.a. M.5.b.

39021000

M.6.a.

b. Total maximum remaining amount of negative amortization contractua\ly permitted on closed-end loans secured by 1-4 family residential properties .................... F231 C. Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties included in the carrying am oun t reported in Memorandum F232 item 6.a above . . . . . . .. 7.-8. Not applicable. 9. Loans secured by 1-4 family residential properties in domestic offices in BHDM process of foreclosure (included in Schedule HC..c, items 1 .c.(1), 1.c.(2)(a), and 1 .c.(2)(b ....................................................... ............................................................... ......... FSn
........................... .. .. . . . . . . . . . . ........................................ ... ............ ....... ....

Memorandum items 6.b and 6.c are to be completed by bank holding companies that had closed-end loans with negative amortization features secured by 1-4 family residential properties (as reported in Schedule HC-C. Memorandum item 6.a) as of December 31, 2007. that exceeded the lesser of $100 million or 5 percent of total loans and leases, net of unearned income, in domestic offices (as reported in Schedule HC-C, item 12, column B).

9756000 2204000

M.6.b.

M.6;c.

8 609000

M.9.

3/08

Schedule HC-C-Continued
MEMORANDA (continued)

RSSD ID; 1 0 3 9502

FR Y-9C Page 16

Memorandum Items 10 and 11 are to be completed by bank holding companies that have elected to measure loans included in Schedule HC-C, items 1 through 9, at fair value under a fair value option.

Dollar Amounts in Thousands 1 0. Loans measured at fair value: a. Loans secured by real estate ...... ... .............................. ( 1 ) Construction, land development, and other land
loans (2) Secured by farmland (Including farm residential and other improvements) ....................................... (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit ........................ (b) Closed-end loans secured by 1-4 family residential properties: (I) Secured by first liens ................................. (ii) Secured by junior liens.............................. (4) Secured by multifamily (5 or more) residential properties ................................................................ (5) Secured by nonfarm nonresidential properties ... b. Commercial and Industrial loans ................................. c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): ( 1 ) Credit cards ............................................................. (2) Other revolving credit plans .................................. (3) Other consumer loans (includes single payment, installment, and all student loans) ....... d. Other loans .................................................................... 1 1 . Unpaid principal balances of loans measured at fair value (reported In memorandum item 1 0): a. Loans secured by real estate ....................................... (1 ) Construction, land development, and other land .. . . . . ... ... loans (2) Secured by farmland (including farm residential and other improvements) ....................................... (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit ........................ (b) Closed-end loans secured by 1-4 family residential properties: (i) Secured by first liens ................................. (Ii) Secured by junior liens.............................. (4) Secured by multifamily (5 or more) residential properties ................................................................ (5) Secured by nonfarm nonresidential properties ... b. Commercial and Industrial loans . ................................ C. Loans to individuals for household. family. and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1 ) Credit cards ............................................................. (2) Other revolving credit plans .................................. (3) Other consumer loans (Includes single payment, installment, and all student loans) ....... d. Other loans ...................... ..............................................
. . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . .. . . . . . . . . . . . . . . . . . . . . .. . . 0 . . . . . . . . . . . . .... . .. . . . . . . . . .. . . .0 . . . . .. . . ....... .....

BHCK

I I

Consolidated

(Column A)

I
0

Domestic Of cas
BHDM

(Column B)

I
M.10.a.

F608

F578 F579

0 M . 1 0.a.(1 )
0 M.1 0.a.(2)

F580

M.1 0.a.(3)(a)

F581 F582 F583 F585

0 M.1 0.a.(3)(b)(i) 0 M. 1 0.a.(3)(b)(ii) 0 M.1 0.a.(4) 0 M.10.a.(5)

I J I I I J

F584

5 4 7 9000 F585

1817000 M.10.b.

F586 F587 F588 F589

0 0 0 2 01 3 000

F586 F587 F588 F589

0 M.1 0.c.(1 ) 0 M.10.c.(2) 0 M.1 0.c.(3) 585000 M.1 0.d.

F609

0
F590 F591

M.11 .a.
0 M.11 .a.(1 )

0 M. 1 1 .a.(2)

F592

0 M.1 1 .a.(3)(a)
0

F593 F594 F595 F597

0 M.11 .a.(3)(b)(ii)
\}

M.11 .a.(3)(b)(i)

I J
I

F596

7360000

F597

0 M . 1 1 .a.(5) 3511000 M.11 .b.

M.11 .a.(4)

F598 F599 F600 F601

0 0 0 2 4 47000

F598 F599 F600 F601

0 M . 1 1 .c.(1 )
0

M.11 .c.(2)

I I

0 M.11 .c.(3) 683000 M.1 1 .d.

3/08

Schedule H C-O-Trading Assets and Liabilities

RSSD ID: 1 0 3 9502

FR Y-9C
Page 17

Schedule HC-o 's to be completed by bank holding companies that reported average trading assets (Schedule HC-K, Item 4.a) of $2 million or more in any of the four preceding quarters.
(Column A) Consolidated (Column B) Domestic Offices

Dollar Amounts in Thousands ASSETS 1 . U.S. Treasury securities ....................................................... 2. U.S. govemment agency obligations (exclude mortgage-backed securities) ................................................ 3. Securities issued by states and political subdivisions in the U.S 4. Mortgage-backed securities (MBS): a. Pass-through securities issued or guaranteed by FNMA. FHLMC. or GNMA ............................................... b. Other mortgage-backed securities issued or guaranteed by FNMA. FHLMC. or GNMA (include CMOs. REMICs. and stripped MBS) ............................... c. All other mortgage-backed securities .............................. 5. Other debt securities ............................................................ 6. Loans: a. Loans secured by real estate ....................................... (1 ) Construction, land development, and other land
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....

BHCM 3531 3532 3533 3534 3535 3536 3537 BHCK F610

I
2 2 1 2 1000 9 1 8 4 000 1 3002000

BHCK 3531 3532 3533 3534 3535 3536 3537 BHDM F604 F6GS

2 0 587 000 8 9 61000 1 2 655000

1.

2. 3.

5 1 951000

1 95 1 0 0 0
6922000
4301000

4a
.

695 7000 681 3000 1 1 4 1 7 8000 2 1 4 66000

20359000

4.c. 5.
6a
.

4.b.

loans......................................................................... (2) Secured by farmland (including farm residential and other improvements) ....................................... (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit . . . . . . . . . . . . (b) Closed-end loans secured by 1-4 family residential properties: (i) Secured by first liens ................................. (ii) Secured by Junior liens.............................. (4) Secured by multifamily (5 or more) residential properties . . .. . . .. . . . .. . . (5) Secured by nonfarm nonresidential properties ... b. Commercial and industrial loans ................................. c. Loans to Individuals for household, family, and other personal expenditures (I.e., consumer loans) (includes purchased paper): ( 1 ) Credit cards ................................................... .......... (2) Other revolving credit plans . . . .. . . . (3) other consumer loans (includes single payment, installment. and all student loans) ....... d. other loans .................................................................... 7.-8. Not applicable
.... . .. ... .... ... ... .. .. ..... ... . . ...... ... .... . . .. . . . . . .. ....... .. .. ......... . .. ....... .... ...... ... ...

68000
0

6 a (1 )
. .

6.a.(2)

_fQl?j
F607

_._

______

"

-J..-

______

6.a.(3)(a)

1 1 660000

F611

0 62000 3 4 4 8000 2 556000

6.a.(3)(b)(i) 6.a.(3)(b)(U)
6.a.(4)

F614

F612 F613 69 97000 F614

6.8.(5) 6.b.

F61S F616 F617

F618

0
34 6000

F615 F616 F61 7

F618

0 0

6.c.(1 ) 6 c (2)
. .

2 9 93000

296000

34 6000

6.c.(3) 6.d.

BHCM
3541

9. Other trading assets ........................ ..................................... 1 O. Not applicable 1 1 . Derivatives with a positive fair value .................................... 3543 bhct 1 2. Total trading assets (sum of items 1 through 1 1 ) 3545 (total of column A must equal Schedule HC. item 5 )............

9 1 3 4. 9000

BHCK
3541

1 4 2 66000 7 3 1 06000
231544000

9.

1 62 5 55000
509912000

3543 BHDM 3545 3546 F624 3547 3548

11.
12.

BHCK LlABILITIES 1 3. a. Liability for short positions ............................................... 3546 b. All other trading liabilities ............................................ F624 1 4. Derivatives with a negative fair value ................................... 3547 bhct 1 5. Total trading liabilities (sum of Items 1 3.a through 14) 3548 (total of column A must equal Schedule HC. item 1 5) ..........

4 5234000 4 0 000 1 2 1 602000 1 6 6876000

18213000

4 0000 507 63000 6 9 0 1 6000

1 3 a. 13.b.
.

14. 1 5.
3/08

RSSD ID: 103 9502

FR Y-9C Page 1 8

Schedule HC-D-Continued
MEMORANDA

Dollar Amounts in Thousands 1 . Unpaid principal balance of loans measured at fai r

value (reported I n Schedule HC-D, Items 6.a. through 6.d.) a. Loans secured by real estate ....................................... (1) Construction, land development, and other land loans......................................................................... (2) Secured by farmland (including farm residential and other Improvements) ....................................... (3) Secured by 1-4 family residential properties: (a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit ......................................... (b) Closed-end loans secured by 1-4 family residential properties: (i) Secured by first liens ................................. (ii) Secured by junior liens.............................. (4) Secured by multifamily (5 or more) residential properties ..... ............................................................ (5) Secured by nonfarm nonresidential properties ... b. Commercial and industrial loans ................................. c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): ( 1 ) Credit cards ............................................................. (2) Other revolving credit plans .................................. (3) Other consumer loans (includes single payment, installment, and all student loans) ....... d. Other loans .................................................................... 2. Not applicable 3. Loans measured at fair value that are past due 90 days or more: . .. .. . .. .. .. .. .. .. .. . .. .. . .. .. .. .. .. . .. .. .. .. . . .. .. a. Fair value b. Unpaid principal balance ..............................................
.... . e... ... . .. .".0 .. . .. .. . . .. ......... ..

BHCK

I I

(Column A) Consolidated

Domestic Of ces BHDM

(Column B)

F790

24 604000

M.1 .a.

F625 F626

1 1 8000
0

M.1 .a.( 1 ) M.1 .a.(2)

F627 F628 F629 F630 F631 1 5 1 1 6000 F632

M.1 .a.(3)(a)

1 3158000 0 87000 4 672000 6959000

M.1 .a.(3)(b)(i) M.1 .a.(3)(b)(ii) M.1 .a.(4) M. 1 .a.(5) M.1 .b.

F632

F633 1 F634 I F636

F635

F633 F634
F635

{1

M.1 .c.(1) M.1 .c.(2)

M. 1 .c.(3)

391000

4 1 1 2000

F636

391 0 0 0

4 2 6000

M.1 .d.

F639 I F640 1

0 0

F639 F640
BHCK

0 0

M.3.a. M.3.b.

Dollar Amounts in Thousands

Memoranda Items reported average trading assets (Schedule He-I<, Item 4.a.) of $1 billion or more in any of the four preceding quarters.

4 through 10 are to be completed by bank holding companies that

4. Asset-backed securities: a. Residential mortgage-backed securities .................................................................... b. Commercial mortgage-backed securities ................................................................... c. Credit card receivables ................................................................................................. d. Home equity lines

F641 F642 F643

F644

62 905000

e. Automobile loans .......................................................................................................... F645 F646 f. Other consumer loans . ................................................................................................. g. Commercial and industrial loans................................................................................. F647 F648 .. . . .. .. .. . .. .. . ... . .. .. .. . .. .. .. .. .. .. .. .. .. .... . . ... .. .. .... .. .. .. . .. .. .. .. .. .. . .. .. .. . h. Other
.... .. .. .. ... ... ...... . . 0. ..... .. .... ..... .... . .. . .. . . .. ...0 . ..... .. . ....

. . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

2 8 1 6000 1 2 96000 3000 722000 1 3 4 3000 1 604000 684000

M.4.a. M.4.b. MA.c.

MAd. M.4.e.
MAJ. MA.g. M.4.h.

3/08

RSSO 10:

1 0 3 9 5 02

FR Y-9C Page 1 9

Schedule HC-D-Continued
MEMORANDA (continued) Dollar Amounts in Thousands
5. Collateralized debt obligations: a. Synthetic b. Other.................: 6. Retained beneficial interests in securitizations (first-loss or equity tranches) ............. 7. Equity securities: a. Readily determinable fair values ................................................................................... b. Other
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...... . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . * . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . .. . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . .. . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK

I
92 2 0 0 0 2946000 435000

F649 F650 F651 F652 F653 F654 F655 F656 F657 F658 F659 F660

M.S.a. M.5.b. M.6. M.7.a. M.7.b. M.B.

7 67 64 0 0 0 1 7 82 0 0 0 1 7932000

8. Loans pending securitization 9. Other trading assets (itemize and describe amounts included in Schedule HC-D,
a. b. c.
ite p.JyJ:lat are greater than $25,000 and exceed 25% of the item)
BHTX f656
F657

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . .

BHTX F655

0 0 0

BHTX

1 0.

M.9.a. M.9.b. M .9 c
. .

Other trading liabilities (itemize and describe amounts Included in Schedule HC-D, iter;nJ.!J hat are greater than $25,000 and eXceed 25% of the item)

a. b. c.

BHTX F659

M . 1 0.a 0 M 10 b 0 M 1 0 c.
. . . .

. .

Schedule HC-E-Deposit Liabilities1

Dollar Amounts in Thousands
SHCS

1 . Deposits held in domestic offices of commercial bank subsidiaries of the reporting bank
holding company: a. Demand deposits .............................................................................................................. 2210 b. NOW. ATS. and other transaction accounts ...................................................................... 3187 2389 C Money market deposit accounts and other savings accounts........................................... 6648 d. TIme deposits of less than $100.000 ................................................................................. e. lime deposits of $100.000 or more................................................................................... 2604 2. Deposits held in domestic offices of other depository institutions that are SUbsidiaries SHOD of the reporting bank holding company: 3189 . . . . . . . . .... . . . . . a. Noninterest-bearing balances .. , . . b. NOW. ATS. and other transaction accounts . ..................................................................... 3187 c. Money market deposit accounts and other savings accounts........................................... 2389 d. TIme depoSits of less than $100.000 ................................................................................. 6648 e. TIme deposits of $100.000 or more ................................................................................... 2604
.. . . . . . . . . .. . . . . .... .. ..... ........ ..... . .. ...... .... . .............. .

I
6074 4 0 0 0 1 3 6 3 90 0 0 42 9333000 7 0 7 67 0 0 0 1 4 7 4 93 0 0 0

1 .a. 1 .b. 1 .c. 1d 1e

. . .

0
0 0 0 0

2.a. 2.b. 2.c. 2.d. 2.e.

MEMORANDA

1 . Brokered deposits less than $100.000 with a remaining maturity of one year or less . .......... A243 2. Brokered deposits less than $100.000 with a remaining maturity of more than one year ..... A164 3. TIme deposits of $1 00.000 or more with a remaining maturity of one year or less ................ A242 BHFN 4. Foreign office time deposits with a remaining maturity of one year or less............................ A245

SHDM

9862000 4210000 142441000

M.1. M.2.

M.3.
MA.

7 7 918000

1 . The sum of items 1.a through 1 .e and items 2.a through 2.e. must equal the sum of Schedule HC. items 1 3.8.(1) and 13.a.(2).

3/08

RSSO 10: 1 0 3 9502

FR Y-9C Page 20

Schedule HC-F-Other Assets

B556 2. Net deferred tax assets2........................................................................................................ 2148

1 . Accrued interest receivable1
.

Dollar Amounts in Thousands

BHCK

8482000 1 2 8 2 7 000
158000

1. 2. 3.a. 3.b. 4.

3. Interest-only strips receivable (not in the form of a securlty)3 on: a. Mortgage loans..................................................... ............................................................ A51 9 b. Other financial assets ....................... ................................................................................ . A520 1752 4. Equity securities that DO NOT have readily determinable fair values4 ......... ...................... . COO9 5. Life insurance assets . .. . . . . . .. . . .. . . 6. Other ..................................................................................................................................... 2168
. .. . .. .. . .... ....... ............................ . . . .. . . . . . . ... . ............. ........ .. .......... .

7. Total (sum of items 1 through 6) (must equal Schedule He, item

11 )

........

....

...... .
..

......

......

bhct 2160

507000 7058000 1 8048000 8 6 4 65000 13354500 0

5. 6.

7.

1 . Include accrued interest receivable on loans, leases, debt securities and other interestbearing assets. 2. See discussion of deferred income taxes in Glossary entry on "income taxes." 3. Report interestnly strips receivable in the form of a security as available-for-sale securities in Schedule HC, item 2.b, or as trading assets in Schedule HC, item 5, as appropriate. 4. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.

Schedule HC-G-Other Liabilities

Dollar Amounts in Thousands
BHCK

I
0 636000
1 8 6 1 69000

2. Net deferred tax liabilities1 ....................................... .... .................. ......................................... 3049 3. Allowance for credit losses on off-balance sheet credit exposures...... .................................. 8557 8984 4. Other

1 . Not applicable

bhct 2750 5. Total (sum of items 2 through 4) (must equal Schedule He, item 20).................................... See discussion of deferred income taxes in Glossary entry on "income taxes."

. . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

2. 3. 4.
5.

1 8 6805000

1.

Schedule HC-H-Interest Sensitivity1

1 . Eaming assets that are repriceable within one year or mature within one year ... ................. 3197 \
2. Interest-bearing deposit liabilities that reprice within one year or mature within one year included in item 1 3.a(2) and 1 3.b(2) on Schedule He, Balance Sheet.. ................................ 3296 1 3. Long-term debt that reprices within one year incfuded in items 1 6 and 1 9.a on Schedule H e , Balance Sheet. . . . .. . . . . . . . . . . 3298 I 4. Variable rate preferred stock (includes both limited-life and perpetual preferred stock) ........ 3408 I 5. long-term debt reported in Schedule He, item 19.a on the Balance Sheet that is scheduled to mature within one year ................................. . ........................ ........................... 3409 I
. . . . . . . ... .... . ....... .............. . ... .. .... ......... . .. ... . . . . . . . . . . . . . .. . . . . .

Dollar Amounts in Thousands

BHCK

9 7 9 94 3000
504058000

1.

2.
3. 4.

1 12388000 6000000 3732000

5.

1. Bank holding companies with foreign

offices have the option of excluding the smallest of such non-U.S. offices from coverage i n this schedule. Such bank holding companies may omit the smallest of their offices in foreign countries when arrayed by total assets provided that the assets of the excluded offices do not exceed 50 percent of the total assets of the bank holding company's assets in foreign coun tries and 10 percent of the bank holding company's total consolidated assets as of the report date.

3107

RSSO 10:

1 039502

FR Y-9C Page 21

Schedule HC-I-Insurance-Related Underwriting Activities (Including Reinsurance)

Schedule He-I must be completed by all top-tier bank holding companies. (See instructions for additional information.)

I.

Property and Casualty Underwriting

Dollar Amounts in Thousands ASSETS 1 . Reinsurance recoverables 2. Total assets . . .

.. . ..... ..

BHCK

I
1.

. . ... . ... .
.

....

. . . .. . .. .
.......

..

......

. .. . . . . . . . . . . . . . . . . .

.....

. . . . . .. . . . . . . . .. . . .

....... ..

. . . ... . . . . . . . . .

...
. .

. . . . ..

. ....

..

...

............

..

.. .. . . . . ..

.... ...

.......

....

. .. . .. . . . .

........ .. ....

1 8 60 0 0 0 . I-- 244 1 _-'-_---'_--l 2. c..:.._1... .

159000 B988 I . . r..:....:....:..+-_-+-__0I--_-I

LIABILITIES 3. Claims and claims adjustment expense reserves 4. Unearned premiums. .. . . .. . . . . . .

. ..

........... . . .. . ..

...

. ..

... . . ..

..

. ..

. ..

...

....

..

. . . .... .
........ ... . .

......

.. . . . .

..

......

. . . . . .. . . .

.
.

......

..

..

. . .. .
.

. ..
.. . .

...

.. . . . . . . . . . . . .
.. . .

. . ..

...

850000 B990 I t-=:.::.:::.::...+-_-+-__..::...j 3. 0 B 991 I .. . ..:....:....:...l-.-_....__ 9 1 0 0-l 4. ..

. . ..
.....;... __

5. Total equity

......

. . .. . . . . .

..

.....

.. . . . . . ..

....

. . . .
.. .. ... .. ... .

....

..
.

. . . .. . . . . . .

..

........

. . . . . . . .. . . . . .
... .... . ... . ..

.....

. . . . .. . .

C245_1 . t-=-=-----' '--

__

-'_ _ ---I
853000

5.

6. Net income . .
.

....

.. .
.

..

. .....

...

. . . . . . . ..

. . . .. . .
.. .

....

....

... . . . . . . . . .

......

...

...

....

. . .. . . . .

. .
..

.....

. .
..

... . . . . . . . . .

-1 C246 L-::.::.,.:..:..:..1L...-_-'-_-i: 4 7 0 0 0

__

6.

II.

Life and Health Underwriting

BHCK

ASSETS 1 . Reinsurance recoverables 2. Separate account assets 3. Total assets . . . .

. . . . . . . . .. . ... ... ..

. .. . . . .. . . . . . . . . . . . . .

.......

.. . . . .. . . . . . . .....

.. . ..
. .. ....
. ..

..

...

.........

..

...

..

..

.. . .

......

. . . . .. . .. . . .

..

. . . . . ... . . . . . . . .. . . . . . . . . . .. . . .

.. .. . . . . . . .. . .. . .. . . .
. .... . . . . . . . .... . . ... . . .... ..... .. . . ..... ..

......... . ... . . .

..
.

. . . . . . . . . ..

..................

..

...

.. .

. . . . . . . . . .. . . . .

0 C247 t-=-..:.....:-+__"'-"-_-+-_--I 1 . 5610000 __ 2. .. . t-=992 __"'-"-_..:4B:.::.;:.:::....t60 C248 . . I--__--L..__"'--_--'-1 1 0 0 0 _ 3.

. .. .

. . . . .. . .

....

--I

LIABILITIES 4. Policyholder benefits and contractholder funds . 5. Separate account liabilities . . . .

...
.

......

..

.........

........

.......

.. .

..

.....

...

..

....

..
.

... . ... ... . . . .

. .. . . . . . . . . . . .

..

.. . ..

............

..

......

.........

8 994 1 5000 _-+__ +--_-I r..:...:..'-'-+.

56 B996 ..L. _--I . t-=:.::.:..;:...__"--_-...7 0 0 0 0

4.
5.

.. .

. . . . . .. .

. .
..

. .. . . . . . . . . .

.......

6. Total equity 7. Net income

.....

........

.. .
. ..

. . . . . ... .

.. . . . . .. . . . . .. . . . . . .. . . . . . .
. . . . . . .. . .

.......

..
.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . .

. . .. .
.. .. ..
.

......

329000 C249 ... r-::.::.,.:..:..:..J._--''"---_-'-_-l 6. 52000 C250 L:.::...:..:..:-L.__'---__---l

. . . ... . . . . . . .. . . . . . . .

. . ..
..
..

.....

. . . .. . .

. . .

......

.. . . . . . . . . . . .

.........

. .... . . . . ..

. .
..

.. . . . . .

......

. .. . . . . . . .

7.

Schedule HC-K-Quarterly Averages

Dollar Amounts in Thousands ASSETS 1. Securities 2. Federal funds sold and securities purchased under agreements to resell . . . . . . . . .. .. . . . 3. loans and leases . .
. . .. .... ........ .. .. . . . . . ...........
. ....

BHCK

1
1.
2.
3. 3.a. 3.b. 3.e.

4.

5.

351 5+ .- 1 8.:: 8 5 1 9 0 0 0 t-::::..:.: __.......:..::.;:.:::.::..::..:..:..t 328706000 3365+__+--...:.:.-:..;; . .. . .:.. 1-=:::.:;:.: 772478000 5 1 6.: 3:.::..:.4___..:.:...:. . . . j-:: . B HDM 301448000 3465+ . t-::.:.::;: __'----=-:.::...:.::..j .ia. Loans secured b y 1-4 family residential properties in domestic offices 670 00 3466+__f--_-i-4 1 0.:..:...t b. All other loans secured by real estate in domestic offices . . . . . . . . . . .. !-=.:.::;: 322610000 24+ :..: .:.. ...:.=:..: F.:.:: t---:-7 :..; .. . . . . .. . . . . . c. All other loans in domestic offtces B H CK 34 ..:.. . .- 5 1 3 1 4 8 0.;. 0 0 . t-=-..:.0 1-+__...._.:.;;.;;..:.--/ . . . . . .. . . .. .. . . . a. Trading assets . . . 98 5 __.......:..::.;:.:::.::..::..:..:..t B b. Other earning assets . . . . . . . . . !-=:::.:;:.:+ .- 1 3.:: 2 3 3 5 0 0 0 2 172037000 3368 ....: . . . . . . . . t-=-.=.:;:.:--'-__....=-:.= .. . . .. . . Total consolidated assets . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . .. . . . . . . . . . . .. . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . .. .. .... . .. . . .. . .. . ... . . .. .. . ............ . ..... . . .. ....... ... .. ........ .. ... . . .. . . . .. ...
..

.. .

....

..

...

...

__

. .. . . . . ...

...

..

...

....

... . . .

. ...

..

....

........

.....

. . . . . . . . . . . . .. . .

_ _ _

..

. ... . . .

.. ....

...

. . . ..

...

..

......................... ...

. ....

.............

. . . . . . . . . .. . . . . . . . . .. ...

......

. .. . ... ... . . .. .... ..

. ..

. ....

.....

. . ... . . . . . . . . . . . . . . . . . ......... .

. . . . . . . .. .

. . . . . . . . . . .. .. . . . . . . . . . .. .... .

4.B. 4b
. .

. .. .

......

......

. . . . . ...

.....

.....

.......... . .....

....

. . ..

5.

LIABILITIES . 6. Interest-bearing deposits (domestic) . . . . . .. . . . . . . . . .. . .. . .. . 7. Interest-bearing deposits (foreign) . 8. Federal funds purchased and securities sold under agreements to repurchase . . . . . . . . .. . . .. . . .. 9. All other borrowed money .. . . . 1 0. Not applicable
.

... . ..

..

..

.. .

..

...

...

..

. .... .. . . . . ..

.......

.. . .. . . . . . . .
... . . . .. ....

...

..

. . . . . .. . . . . . .. . . . .. .. . . . . . . . .

. . . . . . . . . . ..

...............

...

. . . . ....

..

.. . . .

....

515173000 35 1 .:7 . r-=:.::..:.-+__+---:...--=-:...::..:....j 6. .

........

..

...

..... .. . . .

.. .. . ...

....

...

..

.....

.. .

....

... .. . . . . . . . . .

. . . .. . . . . .. .

2035 00 33 ;:.: . t-=-.:;;534___-..;..,.6 8 0--I 8. 3 8 1 2 4 30 0 0 -'--_--'-_--I 9. __ 2635 1-=:.::.=.::.....L.

34 04 2 62 4 3 1 0 0 0 +--_-1 __ ... ..:..:..:.+-_-+-

7.

EQUITY CAPITAL 11. Equity capital (excludes limited-life preferred stock) ................ .......... . ...................................

35 19

1 67 4 2 3 0 0 0

11.

3/08

RSSD ID: 1 0 39502

Col.
For Fedet'al Reserve Bank Use Only

FR Y-9C Page 22

(Report only transactions with nonrelated institutions)

Schedule HC L-Derivatives and Off- Balance-Sheet Items

..

Dollar Amounts in Thousands 1 . Unused commitments (report only the unused portions of commitments that are fee paid or otherwise legally binding): a. Revolving, open-end loans secured by 1-4 family residential properties, e.g., home equity lines b. Credit card lines ................................................................................................................ c. ( 1 ) Commitments to fund commercial real estate, construction, and land development loans secured by real estate (sum of items 1 .c.(1 lea) and (b) must equal item 1 .c.(1 ................................................................................................................. (a) 1-4 family residential construction loan 1 4 2 6000 commitments ........................................................ F164 I
. . . . . . . . . . . . . . . . . . . . . . .. .. . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........

BHCK

3814 381 5 3816

97585000 626471000

1 .a. 1 .b.

4 7 35000

1 .c.{1 ) 1 .c.(1 )(a) 1 .c.(1 )(b)

2. 3.

4.
5.

6.

(b) Commercial real estate, other construction 3309000 loan, and land development loan commitments ... F165 I (2) Commitments to fund commercial real estate. construction. and land development loans NOT secured by real estate .............................................................................. d. Securities underwriting ...................................................................................................... e. Other unused commitments .............................................................................................. Financial standby letters of credit and foreign office guarantees ...................... ..................... a. Amount of financial standby letters of credit conveyed to others ...................................... Performance standby letters of credit and foreign office guarantees. .. .................................. a. Amount of performance standby letters of credit conveyed to others ............................... Commercial and similar letters of credit.. . . . .. .... .. . . .. . . . . .. Not applicable Securities lent. . .......................................................................................................................
.. ... ... ... ... ... .. . ... ... . .. ... ...... ................... .

6550 38 17 3818 6566 3820 6570 3822 3411 3433

4 5 7 8000 0 2 5 9 4 3 9000 1 1 3175000 2 1 7 94 000 1 1 951000 5 4 42000 5 4 3 6000 1 8397 9000

(Column S)

1 .c.(2)
1 .d.

1 .e. 2. 2.a. 3. 3.a.

4.

6.

7. Credit derivatives: a. Notional amounts: (1 ) Credit default swaps .................................................. . (2) Total return swaps ..................................................... (3) Credit options ............................................................ (4) Other credit derivatives .............................................. . b. Gross fair values: ( 1 ) Gross positive fair value............................................ (2) Gross negative fair value ......... ..................................
.. .. ..

(Column A)
Guarantor
BHCK

Beneficiary

COO8 C970 C972 C974 C21 9 C220

4 09 91 4 1 00 0 1 4 97000 2 0 53000 4 7 6000 20430000 4 95805000

BHCK

C969 C971 C973 C975 C221 C222

BHCK

4 2 62368000 17042000 953000 4 3 4 9000 5 1 8 3 4 6000 22312000

7.a.(1 ) 7.a.(2) 7.a.(3) 7.a.(4) 7.b.(1 ) 7.b.(2)

8. Spat foreign exchange contracts................................ ................................................... ......... 8765

3 8 9 4 1 1 000

8.

9. AII other off-balance-sheet items (exclude derivatives) (include in item 9 the aggregate
amount all other off-balance sheet items that individually exceed 1 0% of Schedule HC, item 28. "Total equity capitaln) (itemize and describe in items 9.a through 9.g only amounts that exceed 25% of Schedule HC. item 28) ........................................................................... a. Securities borrowed ........................................................................................................... b. Commitments to purchase when-issued securities ........................................................... c. Commitments to sell when-issued securities ....................................................................
TEXT

3430 3432 3434 3435 6561 6562 6568 6586

2 2 6734 000 85977000 61839000 57015000

9. 9a
. .

9.b. 9c
.

d. e.
f.

656 1

0 0 0 0

9.d. 9.e.

TEXT

6562

TEXT

6568

9 .f
.

g. 6586 1 0. Not applicable

TEXT

9 g.
3/07

RSSO 10: 1 0 3 95 0 2

FR Y-9C Page 23

Schedule HC-L-Continued

Dollar Amounts in Thousands Derivatives Position Indicators

1 1 . Gross amounts (e.g., notional amounts) (for each column, sum of items 1 1 .a through 1 1 .e must equal sum of items 1 2 and 1 3): a. Futures contracts . .
........... ..........

(Column A) Interest Rate Contracts

(Column B) Foreign Exchange Contracts

(Column C) Equity Derivative Contracts

(Column D) Commodity and Other Contracts

BHCK 8693

BHCK 8694

BHCK 8695

BHCK 8696

1 0 3 9 669000
BHCK 8697

1 5530000
BHCK 8698

3 7 4 3 4 000
BHCK8699

70 932000
BHCK 8700

11 a
.

b. Forward contracts...................... c. Exchange-traded option contracts: ( 1 ) Written options .................... (2) Purchased options .............. d. Over-the-counter option contracts: (1 ) Written options . ................... (2) Purchased options .............. e. Swaps........................................ 1 2. Total gross notional amount of derivative contracts held for trading 13. Total gross notional amount of derivative contracts held for purposes other than trading ........... 14. Gross fair values of derivative contracts: a. Contracts held for trading: (1 ) Gross positive fair value...... (2) Gross negative fair value .... b. Contracts held for purposes other than trading: (1 ) Gross positive fair value ...... (2) Gross negative fair value ....

5237824000
BHCK8701

3 3 3 8 61 5000
BHCK 8702

1 8 7 93000
BHCK 8703

43804000
BHCK 8704

1 1 .b.

5 6 5 955000
BHCK 8705

778000
BHCK 8706

2 6 9 9 4 8000
BHCK 8707

62802000
BHCK 8708

1 1 .c.(1)

4 1 8 1 10000
BHCK 8709

77 3000
BHCK 8710

2 7 6 92 1 000
BHCK 8711

5 9 3 1 5000
BHCK8712

1 1 .c.(2)

423 730 6000

BHCK 8713

9708 90000
BHCI<8714

357895000
BHCK8715

1 4 3433000
BHCK8716

1 1 .d.(1 ) 1 1 .d.(2)
1 1 . e.

4 2 3 8 1 8 8000
BHCK 3450

958551000
BHCK 3826

374 608000
BHCK 8719

138844000
BHCK 8720

54524046000
BHCKA126

1 6 8 1 4 78 000
BHCK A127

7 6 6 3 4 00 0
BHCK 8723

2 3 3 9 5 90 00
BHCK 8724

. . . . . . . . . . . .. . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . .

7 0 2 1 0 5 8 6000
BHCK 8725

6 950 8 43000

1 4 1 22 33000
BHCK 8727

753089000
BHCK 8728

12.

BHCK 8726

5 0 512000

15772000

13

BHCK 8733

BHCK 8734

BHCK 8735

BHCK 8736

1 7 91 2 1 4000
BHCK 8737

278236000
BHCK 8738

7 4 6 6 1 000
BHCK 8739

63077000
BHCK 8740

14.8.(1) 14.a.(2)

1 7 3 8 673000
BHCK 8741

2 7 8 942000
BHCK 8742

7 0505000
BHCK 8743

6 1 1 0 9000
BHCK 8744

524 6000
BHCK 8745

1 5 69000
BHCK 8746 BHCK 8747

0
BHCK 8748

0 0

1 4.b.(1 ) 14.b.(2)

355000

1 64000

3/07

RSSD ID: 1 0 3 9502

FR Y-9C
Page 24

Schedule HCM-Memoranda

Dollar Amounts in Thousands BHCK 1 1 1 I NUMBER (UNROUNOEO) 1 . Total number of bank holding company common shares 3 7 3280063 5 outstanding ... .. . . .. . . . . . . ... .. . . . . . . ...... . . . . . ............ r 3459 1 2. Debt maturing in one year or less (included in Schedule HC, items 1 6 and 19.a) 92785000 that is issued to unrelated third parties by bank subsidiaries . . . . . . . . . .. . .... . ... . . . . ... ... !---= 555.;'---'-__--"--..C.----I 6-"-.:. 1 3. Debt maturing in more than one year (included in Schedule HC, items 16 and 1 9.a) 74 9 07000 65::.::... 1 that is issued to unrelated third parties by bank subsidiaries . .................. . ... . .... . ............. ... =56 +.:...;.___--l ...: 238000 4. Other assets acquired in satisfaction of debts previously contracted .................................... 51. 1 5. Securities purchased under agreements to resell offset against securities sold .z 0!l Jl under agreements to repurchase on Schedule HC................................................................ 8 L 6. Investments in real estate (to be reported only by bank holding companies authorized 0 by the Federal Reserve to have real estate investments)...................................................... 3656 I 7. Not applicable
.. . ...... .. . .. . . . ... .. .. . . . . .. .. . . . . . .. . . .. ... . . . . . _ _____

1. 2. 3. 4.
5.

_ I

_ _

_____._

.L

____ _____

__ _ __ _L _

6.

8.

BHCK Has the bank holding company entered Into a business combination during the calendar year that was accounted for by the purchase method of accounting? (Enter 1 for yes; enter "0" for no). ... ... . ... .. . . . . . . . . C251
" "
... ..

9. Has the bank holding company restated its financial statements during the last quarter as a result of new or revised Statements of Financial Accounting Standards? (Enter "1" for yes; enter "0" -for no) .... ..... 6689 1 0. Not applicable 1 1 . Have all changes in investments and activities been reported to the Federal Reserve on the Bank Holding Company Report of Changes in Organizational Structure (FR Y-10)? Bank holding companies must not leave blank or enter "N/A. The bank holding company must enter "1" for yes or for no changes BHCK to report; or enter 0" for no. /fthe answer to this questions is no, complete the FR Y-1 0............................. 6416

I BHCK f I
1

9.

I 11.

\ :: 1

BHCK 1 2. Intangible assets other than goodwill: a . Mortgage servicing ass8ts................................................................................................ . 3164 6 .... 8_ 9 0 (1) Estimated fair value of mortgage servicing assets... . . 11.-:-43.::...;. 11..-_-'-_--.:...4.'- 3 _-+b. Purchased credit card re\ationships and nonmortgage servicing assets ........................ .. B026 c. All other identifiable intangible assets ............................................................................. .. 5507 bhct 0426 d. Total (sum of items 1 2.a, 12.b, and 12.c) (must equal Schedule HC, item 1 0.b) ............ .. BHCK 1 3. Other real estate owned: a. Real estate acquired in satisfaction of debts previously contracted ................................ . 2744 b. Other real estate owned ................................................................................................... 2745
.

Name of bank holding company official verifying FR Y-10 reporting (Please type or print)

Area Code and Phone Number (TEXT 9009)

-r

9403000 -1

.... __

_ _

.._ _

12. 12.a.(1 ) 1 2.b. 1 2.c. 12.d. 1 3.a. 1 3.b. 1 3.c. 14.a. 14.b. 14.c. 14.d.

_ _ ...-

1 661000 3 920000

-------

.1.

- ---

_ _ ._

1 4 9 8 4 00 0
.___ ._ _

2 8 9 9000 2353000 5252000 37845000 1 4 1 6 60000 2 1 2 4 7 3000 3 9 1 978000

--t. ,,

_ _

c. Total (sum of items 1 3.a and 1 3.b) (must equal Schedule He, item 7) ............ . ...... ... ..... . 14. Other borrowed money: a. Commercial paper b. Other borrowed money with a remaining maturity of one year or less ............................ . c. Other borrowed money with a remaining maturity of more than one year ....................... .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . .. . . . . . . .

d. Total (sum of items 14.a, 14.b, and 14.c) (must equal Schedule HC, item 1 6) ............... .. 1 5.

bhct 2150 BHCK 2309 2332 2333 bhct 3190

c::r..d:;:::;6" :.t.:...:.:.....i....
.. . . .. ...

. . . .. . .

. ....... . . . . .... ...

. . .

1 6. Assets under management in proprietary mutual funds and annuities .. . . .. . . ... .. . . . ... . . ..
.

\ \

1 ::: I 1 1 1 5. 1 16.
693 8 4 0 0 0
3106

Schedule HC-M-Continued

RSSD 10:

1039502

FR Y-9C Page 25

The f ollowing two questions (items 1 7 and 18) will be used to determine if the reporting bank holding com pany must complete the Consolidated Bank Holding Company Report of Equity Investments in Nonfinancial Companies (FR Y 12). See the line item instructions for further details. -

17. Does the bank holding company hold, either directly or indirectly through a subsidiary or affiliate, any non financial equity investments (see instructions for definition) within a Small Business Investment Company (SBIC) structure, or under section 4(c)(6) or 4 (c)(7) of the Bank Holding Company Act, or pursuant to the merchant banking authority of section 4(k)4(H) of the Bank Holding Company Act, or pursuant to the investment authority granted by Regulation K? (Enter "1 " for yes; enter "0" for no)
............. ...

..

. ........

proceed to items 19.a and 19.b below. If the answer to item 17 is yes, proceed to item 18.

If the answer to item 1 7 is no, your organization does not need to complete the FR Y 2. Sldp item 18 and -1

. 1 I
..

..

17

1 8 . Do your aggregate nonfinancial equity investments (see instructions for definition) equal or exceed the lesser of $1 00 million (on an acquisition cost basis) or 1 0 percent of the bank holding company's consolidated Tier 1 capital as of the report date? (Enter "1" for yes; enter "0" for no) ................ ..............

If the answer to both item 1 7 and item 18 is yes, your organization must complete the FR Y -12. Skip items 19.a

, : I

18

and 19.b and proceed to item 20 below.

If the answer to

either item 1 7 or item 18 is no, your organization does not need to complete the FR Y 12. -

Proceed to items 19.a. and 19.b. below.

Items 19.a. and 19.b. are to be completed by all bank holding companies that are not required to file the FR Y12.
19. a. Has the bank holding company sold or otherwise liquidated its holding of any nonfinancial equity investment since the previous reporting period? (Enter "1" for yes;
C__ enter "0" for no) . . . . . . . . . . . . . . . . . . . . . . . . . I--700-JL--_-t 1 9.a.

b. Does the bank holding company manage any nonfinancial equity investments for the benefit of others? 1---

(Enter "1" for yes; enter "0" for no) .

.

.......

......

.....

.. .
.

.......

. . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . .

. .

..

....

..

. . .
. ..

..

BHCK

......

C701

-.I
I

I 1

----1

1 9.b.

Memoranda items 20 and 21 are to be completed only by bank holding companies who have made an effective election to become a financial holding company_ See the line item instructions for further details.
Dollar Amounts in Thousands 20. Balances of broker-dealer subsidiaries engaged in underwriting or dealing securities pursuant to Section 4(k)(4)(E) of the Bank Holding Company Act as amended by the Gramm-Leach-Bliley Act: a. Net assets
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK

C252

3 1 8 94 3 0 0 0 2 4 000

20.a. 20.b.(1 ) 20.b.(2) 20.b.(3) 20.c.(1 ) 20.c.(2) 20.c.(3) 20.d.

21.

b. Balances due from related institutions: (1 ) Due from the bank holding company (parent company only), gross........................... (2) Due from subsidiary banks of the bank holding company, gross ................................ (3) Due from nonbank subsidiaries of the bank holding company, gross ......................... c. Balances due to related institutions: (1 ) Due to bank holding company (parent company only) gross .

(2) Due to subsidiary banks of the bank holding company, gross ....................................

...

. .. .
. ..

......

..

4832 4833 4834

5041
5045

100745000

2 4780000 4 9691000

. . . . . . . . . . . . . . . . ..

(3) Due to

nonbank subsidiaries of the bank holding company, gross . . . . . . . . . . . . . . . . .

d. Intercompany liabilities reported in items 20.c.(1 ). 20.c.(2). and 20.c.(3) above

5043

72073000 5 8 8 91 0 0 0 1 4 530000

......

. .
.

..

that qualify as liabilities subordinated to claims of general creditors ................................. 2 1 . Net assets of subsidiaries engaged in insurance or reinsurance underwriting pursuant to
Section 4(k)(4)(B) of the Bank Holding Company Act as amended by the Gramm-

5047

Leach-Bliley Act............................................ .............. .......... ............................. .......... ...........

C253

4 9 6000

9/06

RSSD 10:

1 03 9502

t- K Y-l1l,

Page 26

Schedule HC-M-Continued
Memoranda item 22 Is to be completed by bank holding companies with total assets of $30 billion or more.

22. Address (URL) for the reporting bank holding company's web page that displays risk disclosures. including those about credit and market risk. (Example: www.examplebhc.com/riskdisclosures) I I:'l Ihttp:// INVESTOR. SHAREHOLDER.COM } JPMORGANCHASE I
Memoranda item 23 is to be completed by all bank holding companies.

22.

23. Secured liabilities: a. Amount of "Federal funds purchased in domestic offices that are secured (included in Schedule He. item 14.a) . b. Amount of "Other borrowings" that are secured (included in Schedule HC-M. item 14.d)
. . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . .

Dollar Amounts in Thousands

BHCK

I
0
1 1 9 4 02 0 0 0

. . . . . . . . ...... . . . . . . . . . . . . . . . ... . . . . . . . . . . . . . . . . . . . . . . . . . . .

F064

23.a. 23.b.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . .. . . ...

F065 i

9/06

For Federal Reserve Bank Use Only

C.I.

L-J

FR Y-9C Page 27

RSSD ID:

Schedule HC-N-Past Due and Nonaccrual loans, leases, and Other Assets

1039502

Dollar Amounts in Thousands 1 . Loans secured by real

estate:

(Column A) Past due 30 through 89 days and still accruing

BHCK

(Column S) Past due 90 days or more

BHcK

(Column C) Nonaccrual
BHCK

and still accruing

a. Construction, land development, and other land loans in domestic offices: (1) 1-4 family residential (2)
construction loans ... Other construction loans and all land development and other land loans .......

F172 I

67000

F174

I i I

68000

F176 1

2 4 3000

1 .a.(1 )

b. Secured by farmland in domestic offices................. 3493 I c. Secured by 1-4 family residential properties in domestic offices: loans secured by 1-4 family residential properties and extended under lines of credit ....................... (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens ...................... (b) Secured by junior liens ...................... d. Secured by multifamily (5 or more) residential properties in domestic offices ................................ e. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by
owner-occupled nonfarm nonresidential properties ................ Loans secured by other nonfarm nonresidential ( 1 ) Revolving. open-end

F173

1 77000

F17s 3494

F177 1

58 0 0

1 .a.(2) 1 .b.

3000

22000 3495 I

2000

5398

2 4 32 0 0 0

5399

1 1 90000 5400 I

861000

1 .c.(1 )

C236 C238

I I I

7767000 C237 I
640000

8100000 C229 L
123000

7764000 353000

1 .c.(2)(a)
1 .c.(2)(b)

C239

C230

3499

3 4 9000

3500 I

2 8000 3501 I

344000

1 .d.

(2)

F178

1 7 50 0 0

F180 I

11000 F182 I
0
0

203000

1 .e.(1 ) 1 .e.(2) 1 .f.

3/06

F179 I f. In foreign offices ................ 8572 I

properties .................

1 1 000 0

F181 I 8573 J

F183 I 8574 I

llOOO

RSSO 10:

1 0 39502

FR Y-9C Page 28

Schedule HCN-Continued
(Column A) Past due 30 through 89 days and still accruing (Column B) Past due 90 days or more and still accruing (Column C) Nonaccrual

Dollar Amounts in Thousands

BHCK

BHCK

BHCKT

2. Loans to depository institutions and acceptances of other banks: a. U.S. banks and other U.S. depository institutions . . . b . Foreign banks . . ..... ............. 3. Loans to finance agricultural production and other loans to farmers . .............................. 4. Commercial and industrial loans 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ....................... b. Other (includes single payment, installment,
... .... .... ........ ... . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

5377 I 5380 1 1594 I 1606 I

3000 5 8 000

5378 I 5381 I 1597 I 1607 I 6576 I

0 0

5379 T 5382 I 1583 1 1608 1

0 35000

2.a. 2.b.

9000

12000

20000

3. 4.

1 3 8 60 0 0

328000

1 4 1 60 0 0

6575 T

2705000

2368000

B577 I

4000

5.a.

all student loans, and

6.

7. 8.

9.

1 O.

revolving credit plans other than credit cards) ..... Loans to foreign governments and official institutions .............................. All other loans ........................ Lease financing receivables: a. Leases to individuals for household, family, and other personal expenditures. .. ................... b. All other /eases .................. Debt securities and other assets (exclude other real estate owned and other repossessed assets) .............. TOTAL (sum of items 1 through 9) ...............................

8578 I 5389 I 5459 I

1 4 5 5 0 00

8579 I 5390 I 5460 I

4 96000

8580 T 5391 T 5461 I

171000

S.b.

0 307000

0 7000

0 602000

6. 7.

F169

F166 I

9000

3000

F 1 70

F167 I

F171

F1681

1000 3000

8.a. 8.b.

3505 T 5524 T

3506 I 5525 I

3507 I 5526 I

1 07 90 0 0

9. 1 0.

1 7 556000

1 2 7 5 3000

1 3170000

3/07

RSSO 10: 103 9502

Page 29

FR Y-9C

Schedule HC-N-Continued

Amounts reported in Schedule HC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonae crual loans and leases. Report in item 11 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8. (Column A) Past due 30 through 89 days and still accruing
I

11.

Dollar Amounts in Thousands BHCK I Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S. Government ........................... 5612 I a. Guaranteed portion of loans and leases (exclude rebooked "GNMA loans") included in item 11 above .. 5615 l b. Rebooked "GNMA loans that have been repurchased or are eligible for repurchase included in item 11 above .................... C866 J

(Column B) Past due 90 days or more and still accruing

BHCK

(Column C) Nonaccrual
BHCK

1001000

5613 I
5616

515000

56"\4 1

Z 9 8 8000

11.

7 4 9000

4 1 6000

5617

1 9000

11.a.

227000

C867

C868

2 969000

1 1.b.

MEMORANDA
(Column A) (Column 8) (Column C) Nonaccrual Past due Past due

30 through 89 days

90 days or more
BHCK

Dollar Amounts in Thousands 1 . Restructured loans and leases included in items 1 through 8 above (and not reported in Schedule HC-C, memoranda item 1 ) a. Loans secured by b.
1-4 family residential properties in domestic offices ............................... Other loans and all other leases (exclude loans to individuals for household, family, and other personal expenditures) ...

and still accruing

BHCK

and still accruing

BHCK

F661

1220000

F662

965000

F663

7 61000

M.1 .a.

1658 I

1659 I

166 1

18000

M.1 .b.

3/06

RSSO 10:

1 0 3 9502

FR Y-9C Page 30

MEMORANDA (continued)

Schedule HC-N-Continued

2.

Loans to nance commercial real estate, construction, and land development activities

(Column A) Past due 30 through 89 days and still accruing BHCK I Dollar Amounts in Thousands I I

BHCK

(Column B) Past due 90 days or more and still accruing I I 1

(Column C) Nonaccrual
BHCK

included in Schedule HC-N, 6558 I items 4 and 7 above 3. Loans and leases included in Schedule He-N, items 1 , 2, 4, 5, 6, 7, and B extended to non-U.S. addressees ............. 3508 I 4 . Not applicable 5. Loans and leases held-forsale and loans measured at fair value (included in Schedule HC-N, items 1 through 8 above) a. Loans and leases held for sale............................... C240 I
...............

(not secured by real estate)

1 12000

6559 I

6560 1

33000

M.2.

397000

1912 I

22000

191 3 I

261000

M.3.

1000

C241 I

C226J

32000

b. Loans measured at fair value: ( 1 ) Falr value ................... (2) Unpaid principal balance.......................
Item

M. 5.a.
M.5.b.(1) M.5.b.(2)

F664 I F66? I

0
0

F66S \
F66S.,

(}
0

F666J
F669 J

20000

42000

6 is to b e reported only by bank holding companies with total consolidated assets of

$1 billion or more, or with $2 billion or more in par/notional amounts of off-balance sheet derivative contracts as reported in Schedule He-L, items 11.a through 11.e).

6.

Interest rate, foreign exchange rate, and commodity and equity contracts: Fair value of amounts carried as assets ................... 3529 I
.

BHCK

'

BHCK

'

3530

M.6.

7. 8.

Dollar Amounts in Thousands BHCK Additions to nonaccrual assets during the quarter. .................................................................. C410 C411 Nonaccrual assets sold during the quarter
...............................................................................

6715000 4 5000

M.7. M.B.

3/08

RSSD ID:

1 0 3 9 502

FR Y-9C Page 31

Schedule HC-P-1-4 Family Residential Mortgage Banking Activities in Domestic Offices

Schedule HC-P is to be completed by (1 ) al/ bank holding companies with $1 billion or more in total assets1 and (2) bank holding companies with less than $1 billion in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loan sales, or quarter-end loans held for sale in domestic of ces exceed $10 million for two consecutive quarters. Dollar Amounts in Thousands 1 . Retail originations during the quarter of 1 -4 family residential mortgage loans for sale:2 a. Closed-end first liens ...................................................................................................... b. Closed-end junior liens.................................................................................................... c. Open-end loans extended under lines of credit: (1 ) Total commitment under the lines of credit ................................................ . . . ........ (2) Principal amount funded under the lines of credit . . .............................................. 2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale:2 a. Closed-end first liens ...................................................................................................... b. Closed-end junior liens.................................................................................................... c. Open-end loans extended under lines of credit: .. . . . . . (1 ) Total commitment under the lines of credit ........ : . . (2) Principal amount funded under the lines of credit ................................................ 3. 1-4 family residential mortgages sold during the quarter: a. Closed-end first liens ...................................................................................................... b. Closed-end junior liens .................................................................................................... c. Open-end loans extended under lines of credit: (1 ) Total commitment under the lines of credit . . . ........................................................ (2) Principal amount funded under the lines of credit . . . . . ....................... .................... 4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule HC, item 4.a): a. Closed-end first liens b. Closed-end junior liens ..................................................................................................... c. Open-end loans extended under lines of credit: ................... ....... . ..... .......................... (1 ) Total commitment under the lines of credit . ................................................. ......... (2) Principal amount funded under the lines of credit ................................................ 5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans (included in Schedule HI, items 5.f, 5.g, and 5.i): a. Closed-end 1-4 family residential mortgage loans ..........................................................
. ....... ........... . ... . ..... ... . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .... . . . . . .. . . .. . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK

I
7005000 0

F066 F067
BHDM

1 .a. 1 .b. 1 .c.(1 ) 1 .c.(2) 2.a. 2.b. 2.c.(1 )

2. c. (2)

F670 F671
BHCK

F068
FOG9 BHDM

18715000 0

F672 F673
BHCK

0 0

F070 F071
BHDM

2 3337000 0

3.a. 3.b. 3.c.(1 ) 3.c.(2)

4.a. 4.b.
4 c (1 ) 4.c.(2)
. .

F674 F675
BHCK

0
0

F072

FOn
BHDM

222000

\)
0 0

F677

F676

BHCK

F184
BHDM

11000

5.a. 5.b. 6.a. 6.b. 6.c.(1) 6.c.(2)

Open-end 1-4 family residential mortgage loans extended under lines of credit .... 6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the quarter: a. Closed-end first lien5 ...................................................................................................... b. Closed-end junior liens ........................................... ....... ................................................. c. Open-end loans extended under lines of credit: ... (1 ) Total commitment under the lines of credit . . . ..... . . . . . . . of credit ....................................... ......... (2) Princi pal amount funded under the lines

b.

F560 F678 F679 F680 F681

2311000 0

.....

....

....

....

....

. . . . .. .

........

..

0 0

1.

The $1 billion asset size test is generally based on the total assets reported as of June 30, 2007. 2. Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

3/08

RSSO 10:

1 0 39502

Page 3

FR Y-9

Schedule HC-Q-Financial Assets and Liabilities Measured at Fair Value

Schedule HG-O is to be completed by bank holding companies that have adopted FASB Statement No. 1 57, "Fair Value Measurements: and (1) have elected to account for financial instruments or servicing assets and liabilities at fair value under a fair value option or (2) are required to complete Schedule HC-D-Trading Assets and Liabilities. Fair Value Measurements for Assets and Liabilities under a Fair Value Option and Trading Assets and Liabilities (Included in Schedule HC) (Column A) Total Fair Value Repor/ed on Schedule HC
(Column B)

Dollar Amounts in Thousands ASSETS 1 . Loans and leases ........................................... 2. Trading assets ................................................ a. Nontrading securities at fair value with changes in fair value reported in current earnings (included in Schedule HC-Q, Item 2, above) ................ 3. All other financial assets and servicing assets . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LIABILITIES 4. Deposits.......................................................... 5. Trading liabilities ............................................. 6. All other financial liabilities and servicing liabilities .......................................................... 7. Loan commitments (not accounted for as derivatives) .....................................................

aHCK I

LESS: Amounts Netted in the Detetm/nat/on of

(Column C) Level f Fair Value

F243 I F246 1

BHCKI

Total Fair Value

BHCK[
F690 t F691 I

Measurements

(Column D) Level 2 Fair Value Measurements

(Column E) Level 3 Fair Value Measurements

J
0 1 7 63 8 2 0 0 0

BHCI
F244J F247 I F241 I F250 1 F253 I F256 1 F259 I F262 I

I
5029000

BHCKJ
F24S 1 F24S 1 F242 I F251 I

J
2464000 94411 000

7 4 93000 509912000

F682 1 F683 1

0 2 5 7 9096000

281 8215000

1. 2.

F240 1 F249 1 F252 I F25S 1 F258 1 F261L

o 37238000

F684 1 F685 1 F686 1 F687 1

F692 I F693 I
F694 1 F695 I

2.a.
3.

2 4 2 69000

1 2 969000

5605000 1 6 6876000

0 3 8 1 98 0 0 0
o

4 3 7 0 000 2632787000

2 5 4 7 8 8 1 000
o

77 655000

F688 1

F254 / F257 I
F260 1 F263 I

1235000 4 37 7 2 0 0 0

4. 5.
6.

F696 1 F697 \

6 1 0 0 6000

1 664 9000

F689 j

7.

3J(

FR Y-9C Page 33
For Federal Reserve Bank Use Only

C.L

RSSD ID:
1 0 3 9502

Schedule HC-R-Regulatory Capital

This schedule is to be submitted on a consolidated basis. Dollar Amounts in Thousands
. . .. . .

BHCX

I
1 66884000

Tier 1 capital 1 . Total equity capital (from Schedule HC. item 28) .......................... ...... ................. .. ....... ... 32 1 0 8HCK 2. LESS: Net unrealized gains (losses) on available-far-sale securities1 (if a gain. report as a positive value; if a loss, report as a negative value)..................................... ....................... 8434 3. LESS: Net unrealized loss on available-far-sale equity securities1 (report loss as a A22 1 positive value) 4. LESS: Accumulated net gains (losses) on cash flow hedges! (if a gain, report as a positive value; if a loss, report as a negative value) ............................................................................ 4336 8588 5. LESS: Nonqualifying perpetual preferred stock 6. a. Qualifying minOrity interests in consolidated subsidiaries and similar items ..................... 8589 C502 b. Qualifying trust preferred securities2 B590 7. a. LESS: Disallowed goodwill and other disallowed intangible assets b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank holding company's own creditworthiness (if a net gain, report as a positive value; if a net loss, report as a negative value) ................................................................. F264 a. SUbtotal (sum of items 1 . 6.a. and 6.b. less items 2. 3. 4, 5, 7.a. and 7.b) ............................ C227 8591 9. a. LESS: Disallowed servicing assets and purchased credit card relationships b. LESS: Disallowed deferred tax assets .............................................................................. 5610 1 0. Other additions to (deductions from) Tier 1 capital ................................................................ 8592 1 1 . Tier 1 capital (sum of items a and 1 0. less items 9.a and 9.b) ............................................... 8274
. ........ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . ...

1.
2.

-2101000

5000

3. 4. 5. 6.a. 6.b. 7 .a.

-2 987000

4 1 5000 16842000 4 9234000

2358000 1 3 7 63 2 0 0 0 8 4 90 0 0 0 -679000 136104000

a.

7.b.

9.a. 9.b. 1 0. 11.

Tier 2 capital 1 2. Qualifying subordinated debt and redeemable preferred stock ................ .... .. ...... . .... .. ...... 1 3. Cumulative perpetual preferred stock includible in Tier 2 capitaL......................... .......... ....... 14. Allowance for loan and lease losses includible in Tier 2 capitaL.......................................... 1 5. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital ............... 1 6. Other Tier 2 capital components ................. .................... ...... ........ ............ ..... ............... ......... 1 7. Tier 2 capital (sum of items 1 2 through 1 6)...... ...................................................................... 1 8. Allowable Tier 2 capital (lesser o f item 1 1 or 1 7)........ ................ ..... ............................ ...........
. . . .

5306 8593 531 0 2221 B594 531 1 8275 1 395 B595 3792

3 1 659000

1 2.

17187000 0 -230000 4 8 61 6 0 0 0 4 8 616000

1 3. 14. 1 5. 1 6. 1 7. 1 8. 1 9. 20. 21 .

1 9. Tier 3 capital allocated for market risk ................................................................................... 20. LESS: Deductions for total risk-based capital ............................ ........................................... 21 . Total risk-based capital (sum of items 1 1 , 18, and 19, less item 20)......................................

0 0 1 8 4 720000

bhct Total assets for leverage ratio 3368 22. Average total assets (from Schedule HC-K, item 5) .............................................................. 23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above) ... 8590 24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) ..................................................................... .............. .......... ................ B591 25. LESS: Disallowed deferred tax assets (from item 9.b above)................................................ 5610

2 172037000 4 92 3 4 0 0 0

22. 23. 24. 25. 26. 27.

8 4 9000

BHCK 8596 A224

33607000 2088347 000

26. LESS: Other deductions from assets for leverage capital purposes...................................... 27. Average total assets for leverage capital purposes (item 2 2 less items 2 3 through 26) ........ 28.-30. Not applicable Capital ratios 3 1 . Tier 1 leverage ratio (item 11 divided by item 27) ................... .............................................. 32. Tier 1 risk-based capital ratio (item 1 1 divided by item 62) .................. ...................... ........... 33. Total risk-based capital ratio (item 21 divided by item 62) ....................................................

BHCK 7204 7206 7205

,. ---

Percentage
6 . 92 1 0 . 94 14 . 84

31 . 32. 33.

2.

1.

Report amount included in Schedule HC, item 26.b. "Accumulated other comprehensive income. Includes subordinated notes payable to unconsolidated trusts issuing trust preferred securities net of the bank holding company's investment in the trust. and trust preferred securities issued by consolidated special purpose entities, that qualify as Tier 1 capital.

3/07

RSSD ID:

FR Y-9 1 03 9 5 0 2 Page J.

Schedule HC-R-Continued
Bank holding companies are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less than 100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule HC-R, each bank holding company should decide for itseif how detailed a risk-weight analysis it wishes to perform. In other words, a bank holding company can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percent which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (SO percent for derivatives).

(ColumnA) Totals (from Schedule He) Balance SheetAsset Categories 34. Cash and due from depository institutions (column A equals the sum of Schedule HC, items 1 .a, 1 .b.(1 ) and 1 .b.(2 Dollar Amounts in Thousands

(Column S) ltems Not Subject to Risk-Weighting

(Column C)

(Column OJ

(Column E)

I COOO tColumn F) I
1 00%

Allocation by Risk Weight Category

SHCE

0%

BHCO

20%

BHC2

50%

SHe5

SHC9

I
34.

BHCK OO10 1 8 3 92 8 0 0 0
bhcx 1154

................................. ..............................................

8 5 80 90 0 0

9 22 8 1 0 0 0

5838000

35. Helcl-to-maturily securities ................................................

36. Available-far-sale securities .............................................. 37. Federal funds sold and securities purchased under agreements to reselL .................. .....................................

34000 bhcx 1713 1 99856000 BHCK C225 3 2 7 1 1 50 0 0 bl>et5369 14314000 bhct 8528 7 4 6872000 bhcx 3123 2 3 1 64 0 0 0
bhcx3545

34000

o _ 1 32 8 3 0 0 0

35. 36. 37. 38. 39. 40.

-3354000

27966000

1 59733000

222 8 0 0 0

231835000

79831000

9449000 1 1 94 7 0 0 0

38. Loans and leases held for sale ......................................... 39. Loans and leases, net of unearned income ...................... 40. LESS: Allowance for loan and lease losses ..................... . 41. Trading assels................................................ ................... 42. All other assets1 ................................................................ 43. Total assets (sum of items 34 through 42) ........................
and other assets.

2 1 4 80 0 0

2 1 90 0 0

1 4 1 90 0 0

9800000

53041000

168317000

5 14 2 9 5 0 0 0

23164000

509912000 BHCK OO39 2 1 61 8 5000 bh<t 2110 2175052000

5 09912000

41 . 42. 43.

59951000

2264 9 0 0 0

1 12 0 7 0 0 0

173000

122205000

544764000

384059000

398275000

1 7 0 937000

67 7 0 1 7 0 0 0

1. Includes premises and fixed assets, other real estata owned, investments in unconsolidated subsidiaries and associaled companies, customers' liability on acceptances outstanding, intangible assets,

9/C

RSSD ID: 1039502

FR Y-9

Page3!

Schedule HC-R-Contlnued
(Column A) Face Value or Notional Amount
44. 45.
Derivatives and Off-Balanc:e Sheet

Credit Conversion Factor

(Column S) Credit Equivalent Amount1

. (Column C) 0%

(Column OJ
Allocation

(Column E) 50%

(Column F) 100%

by Risk Weight Category

20%

Dollar Amounts in Thousands

46. 47.

Hems Financial standby letters of credit... ...... Performance standby letters of credit Commercial and similar letters of credit .................................................... Risk participations in bankers acceptances acquired by the reporting institution ...............................
. . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ... . ........... . . . . . . .. .

BHCKB546 bhc;t 6570 bhd: 3411

1
1 .00 or 12.5' .50

1
1 1 3175000 5975500 1 087200 0

1 1 3175000 1 1 95 1 00 0 5436000

BHCE

1
5679000 211500 205200 0

I
33893000 2839000 432000 0 48311000 0

I
3885000 0 0

I
69718000 44. 2 925000 45. 450000 46. 0

BHCO

SHC2

SHC5

BHC9

--

.20

BHCK3oI29 bhd3433 bhdA250

1 .00 1 .00 1 .00

47.

.. . .. 48. Securities lent.. . . . ... . 49. Retained recourse on small business obligations sold with recourse . . . 50. Recourse and direct credit substitutes (other than financial standby letters of credit) subject to the Iow-Ievel exposure rule and residual interests subject to a dollar-for-dollar capital requirement .......................................... 5 1 . All other financial assets sold with recourse ............................................... 52. All other off-balance sheet liabilities................................................ 53. Unused commitments with a n original maturity exceeding one year ................
.. . .. . . . . . .

1 83979000 0

18 3 979000 0

128011000 0

0 0

7657000 48. 0 49.

BHCK8541 BHCK B675 BHCKB681

5827000

12.5' 1 .00 1 .00

.50

4 1 982000 3327000 134703000

BHCEAl67

4 1 982000 0 1 3 1029000 809000 51014000 0 3536000 23285000 295570000 3284000 0 1 7 7 2000 201839000

50.

3327000

43000 51 . 138000 52. 4 4 62 3000 53.

54.

BHCK6572

134703000 140978000

7 0 4 89000

54 . Derivative contracts..............................

554423000

1. Column A multiplied by credit conversion factor. of 2. For financial standby leiters of credit to which the Iow-level exposure rule applies, use a credit conversion faclof of 12.5 or an institution specific factor. For oilier financial standby letters credit, use a credit conversion factor of 1 .00. See instruc\lons for further information. 3. Or institution-specific factor.

31l

RSSD ID:

1 0 3 9502

FR Y-9 Page 3t

Schedule HC-R-Continued
(Column Cl

(Column Ol

Allocation by Risk Weight Category

(Column E)

(Column

Fl

0%
Dollar Amounts in Thousands

20%

50%

1 00%

Totals 55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each column, sum of items 43 through 54) .. . . . . . . . ..
........

. . . . . . . . . . . . . . . . . . . ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

57. Risk-weighted assets by risk weight category (for each column, item 55 mUltiplied by

56. Risk weight factor. . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . .

8 ..:: 4 4 553000 38771 7 .:.000 _....:=::.:.:::= 55. 7 1:-1 7 7...: 0 . 1-_ 0=0 :;..... 0.:.t-__ 0 6 1..;.1 O O O+-_....=.::.:.::..: + .... 8 :::;;. 4:.: :.: :.; :.; .::. .:. ::. . 50% 100% 1--=::=:-':=:--_-t_....,."':2O%__+-_.-::.:::.:_+-_.-::.::.-_-I 56. ' IW< ' x ::::.: .. . : .
BHCK 8700 8HCK 8701
BHCK B702 BHCK B703

BHCK B696

BHCK 8697

BHCKB698

BHCK B699

Item 56) . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1- _ _
..

844553000 1 93858500 ::: ....__.:.6 1 2.:.8 2 0.::.+-_..:.::.:.:;.:.==.,1--::'':'::':':'::': :.::.j 57. ., 1 :.; 2::.::.: 0
BHCK 1651 B

58. Market risk equivalent assets.................................................................................................... 59. Risk-welghted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) . .

. . . . . . .. .

13440 92700 59.

BHCK A222 6613000

HCK 8704

1 44453000 58.

60. LESS: Excess allowance for loan and lease losses. . . ............................................................... . .

BHCK 3128 0 BHCKA223

60.
61.

61. LESS: Allocated transfer risk reserve................................ ........................................................ 62. Total risk-weighted assets (item 59 minus items 60 and 61). .
. . ..

..

:: .:.. :. _____-L_...:.:.::.:..;.:.:..;:: :J -l _ _ _ _ --'_ _ _ _ _ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . L-

1331479700 62.

31!

RSSO 10:

1 03 9 5 0 2

FR Y-9 Page 3;

Schedule HC-R-Continued
MEMORANDA

8764 ..11. Current credit exposure across all derivative contracts covered by the risk-based capital standards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...:..;..=.:._...-::"O'::=:.=..:: c::J -:

Dollar Amounts in Thousands BHCK

With a remaining maturity of (Column A) One year or less (Column B) Over one year through five years
BHCK

(Column C) OVer five years

BHCK

2. Notional principal amounts of derivative contracts:'

a. Interest rate contracts......................................................................................... . b. Foreign exchange contracts ...................................... .......... ............................... . c. Gold contracts .................................................................................................... . d. Other precious metals contracts......................................................................... .

BHCK

3809 3812

2 3 92 97 6 7 0 0 0 4 86 3 9 0 8 0 0 0 57376000 3497000 130368000

8766 8769 8772 877S 8778

2 1 2 8 97 9 8 0 0 0 8767 8 4 1 68 1 0 0 0 8770 2 3 1 2 6 0 0 0 8773 857000 186888000

1 6905554000
239881000

8771

M.2.a. M .2.b. M.2 .c. M .2 .d . M .2 . f M .2 .e.

e. Other commodity contracts . . . . . . . . . . .... ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. f. EQUity derivative contracts ................................................................................. . AOOO g. Credit derivative contracts:

8774 8m

8776
8779

1 9 63000 0 12532000 37251000

2 8 14 5 9 0 0 0 AOO1 36032 1 0 0 0 COO1 230563000 C984

1 5 1 325000 AOO2

(1 ) Investment grade ............................... ........................................................... (2) Sublnvestment grade ....................................................................................

.. .

c980 1 c9831

3 5 7 7 0 6 2 0 0 0 C982 1 8 3 4 9 2 4 0 0 0 e985
aHCK

1 5 65 0 6 4 0 0 0 7 4 2 8 1 30 0 0

M .2.g .(

l 1

M .2 .g .( 2)

1)

3. Preferred stock (including related surplus) eligible for inclusion in TIer 1 capital:
a. Noncumulative perpetual preferred stock (included and reported in "Total equity capital," on Schedule HC) ................................................... . c . Other noncumulative preferred s tock eligible for inclusion i n TIer 1 capital (e.g., REIT preferred securities) (included in Schedule HC. b. Cumulative perpetual preferred stock (included and reported in "Total equity capital," on Schedule He) ........................................................ .

I
1 8 00 0 0 0 2 4 1 3 90 0 0

5479

5990 1
C498 A507

M.3.a.
M.3.b. M.3.c. M.3.d.

item 22) ........................................................... ........................................................................................................ . . d. Other cumulative preferred stock eligible for inclusion in TIer 1 capital (excluding trust preferred seeurities) (included in Schedule HC. Item 20 or 22) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

0
0

4. Offsetting debit to the liability (i.e. the contra account) for Employee Stock Ownership Plan (ESOP) debt guaranteed by the reporting bank holding company (induded in Schedule HC. item 27) ........................................................................................................................................... . 5. Treasury stock (including offsetting debit to the liability for ESOP debt) (included in Schedule HC. item 27):
a. In the form of perpetual preferred stock............................................................................................................................................................ . .

2771 1
5483

1 1

M.4.
M.5.a. M.5.b. M .6.

0 94 6 6 0 0 0 95043000

6. Market risk equivalent assets attributable to specific risk (induded in Schedule HC-R, item 58) ..........................................................................
1 . Exdude foreign exchange contracts with a n original maturity of 14 days or less and all futures contracts.

b. In the form of common stock ............................................................................................................................................................................ ..

.

5484 1 F031 I

FR Y-9

Schedule HC-S-Servicing, Securitization, and Asset Sale Activities

(Column A) 1-4 Family Residential Loans Dollar Amounts in Thousands (Column B) Home Equity Unes (Column C) Credit Card Receivables (Column 0) Auto Loans (Column E)

I
other
Consumer Loans

Few Fed.,.. R_ Bank U Onfy

C.I.

Page 3!

L-J

RSSD ID: 1 039502

COOO

(Column F) Commercial and Industrial Loans

(Column G) All Other Loans, All Leases, and All other Assets

Securitization Activities 1 . Outstanding principal balance of assets sold and securitized with
servicing retained or with recourse or other seller-provided credit enhancements.......................................
BHCKB705

BHC

324442000

K B706

BHCKB707

BHCK B706

BHCKB700

436000

85511000

1475000

1583000

HCK B7tO

BHeKB711

\)

3 1 31 60 0 0

1.

2. Maximum amount of credit exposure

arising from recourse or other sellerprovided credit enhancements provided to structures reported in item

1 in the form of:

BHCKB712

a. Credit enhancing interest-only strips (included in HC-B, HC-D, or HC-F) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . b. Subordinated securities and other residual interests .............................. c . Standby leiters of credit and

1 54000
BHCK C393

8HCK B71 3

BHCK8714

BHCK8715

8HCK 87t6

BHCK 8717

BHCKB718

1 000 0

439000
BHCK C395

5000
BHCK C396

45000
BHCK C397 BHCK C398

0 0
BHCK C405

BHCK C394

1201000
BHCK C400 BHCK C401

5411000
BHCKC402

150000
BHCK C403

30000
BHCKCIDI

BHCK C399
BHCK C406

11000

2.a.

953000 0

2 .b .
2.c.

3. Reporting institution's unused

structures reported in item item a.

other enhancements.........................

164000
BHCK B726

0
BHCK B727 BHCK B728

0
BHCK B729

0
BHCKB730

0
BHCK B731

0 0
BHCK B738

commitments to provide liquidity to

1 .................
BHCKB733

0
BHCKB734

0
BHCKB735

0
BHCKB736

0
BHCK B737

0 87000
BHCK 8144 BHCK 8J<1.S

BHC K B732

9000

3.

4. Past due loan amounts included in

1: 30-89 days past due ........................

BHCK B739

22827000
BHCK B740

4 1 000
SHeK B7... ,

2008000
BHCK B742

32000
BHCK 8743

0 0

3 1 9000
SHCKB7""

4.a. 4.b.

b. 90 days or more past due.................

5. Charge-offs a n d recoveries o n assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements (calendar year-to-dale): a. Charge-offs ....................................... b. Recoveries .......................................

42587000

51000

1 802000

4000

86000

85000

BHCK 8747

BHCK 8748

BHCK B749

8265000
BHCK8754

1 42000
8HCKB755

3000

BHCK B756

5 1 1 4 000 502000

BHCK B7

50000 21000

SO

BHCKB7S'

BHCK B752

BHCK 8753

SHCK S7S7

BHCKB15e

10000 4000

BHCK B759

0 0

BHCKB700

16000 0

5.a. 5.b.
3/(

Schedule HC-S-Continued
(Column A) 1-4 Family Residential Loans Dollar Amounts in Thousands 6. Amount of ownership (or seller's) interests carried as: a. Securities (included in HC-B) ..........
BHCKBSOO SHCK B7S'

RSSO 10: 1 0 3 9502

(Co/umn Home Equity Lines

FR Y Page :

B)

(Co/umn C ) Credit Card Receivables

(Column Auto Loans

D)

(Co/umn E) Other Consumer loans

and Industrial
Commercial

(Co/umn F)

I
0

loans

I
0 0

All Other loans, All Leases, and All Other Assets

(Co/umn

G)

BHCK B762

0
SHCKB5()'

BHCK8763

6.a. 6.b.

BHCKB502

b. Loans (induded in HC-C) ................ 7. Past due loan amounts induded in interests reported in item 6.a: a. b.
BHCK B764

33250000
BHCKB765 BHCKB766

3(}-89 days past due ....................... 90 days or more past due......... .......
BHCKB161

0
BHCKB76S

0
BHCKB169

0 0

7.a. 7.b.

6. CharglH>ffs and recoveries on loan amounts induded in Interests reported in item 6.a (calendar year-to-date): a. CharglH>ffs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
BHCK B773 BHCK B710 BHCKB771 BHCK B112

0
BHCKB774

0 0
BHCK B775

B.a.
B.b.

b. Recoveries ......................................

For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions 9. Maximum amount of credit exposure
ariSing from credit enhancements provided by the reporting institution to other institutions' securitlzation structures in the form of standby letters of credit. purchased subordinated securities, and other enhancements ....
BHCK B77S

2142000
BHCK B783

SHCK6777

BHCKB718

BHCK B779

BHCKB780

BHCK B78.

BHCK8182

0 0

1368000
BHCK B785

398000
BHCK 8786

4 67000
8HCK B7B7

98000
SHCK 8188

101 6000

9.

1 0. Reporting Institution's unused commitments to provide liquidity to other instltutions' securitization structures ...........
BHCKBl8( BHCK B189

83000

62000

176000

10.

Asset Sales 1 1 . Assets sold with recourse or other

seUer-provided credit enhancements and not securitized ...............................
BHCK B790 BHCK B79' BHCK B792 BHCK B793 BHCKB794

BHCK B795

BHCK B798

38585000

9035000
BHCK8803

11.

12. Maximum amount of credit exposure

arising from recourse or other sellerprovided credit enhancements provided to assets reported in item
BliCK B797

11 ......

3510000

BHCK B798

BHCKB799

BHCK B800

SHCK 88Q1

BHCKB802

313000 12.

3106

RSSD 10:

1039502

FRY-9C Page 40

Schedule HC-S-Continued
MEMORANDA 1 . Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994: a. Outstanding principal balance . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A249 1 b. Amount of retained recourse on these Obligations as of the report date. . . . . . . . .. . . . . '" . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..... A250 2. OUtstanding principal balance of assets serviced for others (includes participations servlc:ed for others): a. 1-4 family reSidential mortgages serviced with recourse or other servicer-provlded credit enhancements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B804 b. 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ................................................ . 6805 c. Other financial assets' ...................................................................................................................................................................................... .. A591 d. 1-4 famOy residential mortgages servlc:ed for others that are in process of foreclosure at quarter-end (inc:ludes c:losed-end and
open-end loan8). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . ............... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Dollar Amounts in Thousands

BHCKI

1
0

M.1 .a. 0 M.1 .b.

M.2.a. 1004801000 M.2.b. 542674000 M . 2 . c.

1 57 4 39000 40777000

F699 1
B806

M.2.d.

3. Asset-backed commercial paper conduits: a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of 8tandby letters of credit, subordinated securities, and other enhancemenls: (1) Conduits sponsored by the bank, a bank affiliate, or the bank holding company ........................................................................................ (2) Conduits sponsored by other unrelaled instilullons .................................................................................................................................... . b. Unused commitments to provide liquidity 10 conduit structures: (1) Conduits sponsored by the bank, a bank affiliate, or the bank holding company ....................................................................................... . (2) Conduits sponsored by other unrelated institutions ..................................................................................................................................... 4. Outstanding credit csrd fees and finance charges (included in Schedule He-S, item 1, column C)" .................................................................... .

7 2 3 6000

B806 B809
C407

8807 1

68303000 4233000
2678000

62 0 00

M.3.a.(1) M.3.a.(2) M.3.b.(1) M.3.b.(2) M .4.

1. Memorandum item 2.c is to be mmpleted if the principal balance of other financial assets S8IVk:ed for others Is mora than $10 million. 2. Memorandum item 4 is to be completed by (1) bank holding mmpanles that. togather with affiliated institutions, hava outstanding credit card receivables (as defined in the Instruclions) that exceed $500 miBIon as of the report date or (2) bank holding companies that on a consolidated basis are credit card specialty holding companies (as defined In the instructions).

3/08

RSSD ID:

1039502

FR Y-9C Page 41

Notes to the Balance Sheet-Predecessor Financial Items

For bank holding companies involved in a business comblnatlon(s) during the quarter, provide on the lines below quarterly average information for any acquired company(ies} with aggregated assets of $1 0 billion or more or 5 percent of the reporting bank holding company's total consolidated assets as of the previous quarter-end, whichever is less.
Dollar Amount in Thousands SHSC

1. 2. 3. 4.

Average loans and leases (net of unearned income) Average earning assets .................................................................................................................... Average total consolidated assets ................................................................................................... Average equity capital

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............... . . . . . . . . ................... .

..

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . .

3516 3402 3368 351 9

J
1.

2. 3.
4.

Notes to the Balance Sheet-Other

Enter in the lines provided below any additional information on specific line items on the balance sheet or its supporting schedules that the bank holding company wishes to explain. that has been separately disclosed in the bank holding company's quarterly reports to its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Also include any transactions which previously would have appeared as footnotes to Schedules HC through HC-S. Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a description of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.

Example
A bank holding company has guaranteed a new loan for its leveraged Employee Stock Ownership Plan (ESOP) for $750 thousand and that amount has increased the bank holding company's long-term unsecured debt by a material amount. The bank holding company has disclosed that change to its stockholders and to the SEC. Enter on the line item below the following information:
TEXT BHCK
New loan to holding compan y ' s ESOP guaranteed

0000

Sch .

He,

item 1 6 ,

I I
7 50

by bank holding company

0000 I

Notes to the Balance Sheet-Other

TEXT 1.

5356 THE AMOUNT OF ABCP PURCHASED USING PROCEEDS FROM THE ABCP LENDING FACILIT Y INCLUDED IN SCHEDULE HC-R, LINE 36, COLUMN

Dollar Amount in Thousands

BHCK

I
11229000
2 91 95000

2.

5357 THE AVERAGE AMOUNT OF ABCP PURCHASED USING PROCEEDS FROM THE ABCP LENDING FACILITY THAT WERE EXCLUDED FROM SCHEDULE HC-R, LINE 2 5358 THE AMOUNT OF BEAR STEARNS RISK-WEIGHTED ASSETS EXCLUDED FOR PURPOSES OF DETERMINING RISK BASED CAPITAL REQUIREMENT 5359 THE AMOUNT OF BEAR STEARNS ASSETS EXCLUDED FOR PURPOSES OF DETERMINING TH E LEVERAGE CAPITAL REQUIREMENT 5360
B027

5356 I 5357 I 5358 I 5359 I 5360 1

1.

2.

3.

92821000

3.

4.

121452000 0
0

4.

5.

5.

6.

B027 I

6.
3103

RSSD ID:

1 039502

FR Y-9C Page 42

Notes to the Balance Sheet-Other, Continued

TEXT

7.
8.

B028

Dollar Amount in Thousands BHCK /

B028 1 B029 1 B030 I 6031

I
0

8029 B030 8031 8032 8033 8034 8035

7.
8.

9.

9.

1 0.

11.

1 0.

8032 1 8033 1 8034 1 8035J 8036 1 8037 1

B038

11.

12.

1 2.

1 3.

1 3.

14,

1 5. 8036

14.

1 6.

8037 B038 B039 B040 6041

1 5.

16.
17.

1 7.

1 8.

8039 1 8040

1 8.

1 9.

1 9.

20.

B041 1

20.

3103

EXHIBIT

COPIES OF EXCERPTS FROM MANDATORY FINANCIAL FILINGS

Ba n k n et
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J P M organ C ha s e B a n k , N a t i o n a l A s s o c i ation

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: . 2 0 0 8 0 3 3 1 - rc f

p r i nt

JPMorg a n C h ase B a n k, Natio nal Assoc iation

Schedule RC F Other Assets
Qua rter Ended : 2008-03- 3 1 Agency Update : 2008-08- 2 1 (USD, i n thousands)
2008-03- 3 1

Accrued interest receiva ble* Net deferred tax assets** Interest o n ly strips rece ivab le (not in the form of a security ) * * * o n : Mortgage loa ns Oth e r financial assets Eq u ity securities that do not have read ily d ete rm inable fai r va lues * * * * Life insurance assests All other assets (item ize and describe amounts g reater tha n 25, 000 that exceed 25% of th is Item) Pre p a id expenses Re possessed p e rsonal property ( including veh icies) Derivatives with a positive fa ir value held for p urposes other tha n trad ing Reta ined i nterests in accrued interest receivable related to securitized credit cards TEXT3549 TEXT3550 TEXT3 5 5 1
Tota l

6,547,000

338,000 3,37 1 ,000 7 , 536,000 39,760,000

57,552,000

o o o o o o o

* I nclude accrued interest rece iva b le o n loa ns, leases, d e bt securities, and othe r interest bea ri n g assets. ** See d iscussion of deferred income taxes in Glossary entry on i ncom e taxes. *** Report interest o nly strips receivable in the form of a security a s available for s a le securities in Schedu l e RC , ite m 2 . b, or as trading assets in Sche d u le RC , ite m 5, as a p p ro p riate . * * * * I nclude Federal Reserve stock, Federal Home Loa n banks stock, a nd bankers ba nks stock.
This statement has not been reviewed or confirmed for accura cy or re le va nce by any member o f the FFIEe.

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J PMORGAN CHASE BAN K, NATIONAL ASSOCIATION Schedule RC F Other Assets

Quarter Ended : 2008-06-30 Agency Update : 2008-08-18 (USD, in thousands)
. ,-

;20()..()_6-:0
Accrued i nterest receivable* Net deferred tax assets** I nterest only strips receivable ( not in the form of a security)*** o n : Mortgage loans Other financia l assets Equity securities that do not have readily determinable fair values * * * * Life insurance assests All other assets (Itemize a nd describe a mo u nts greater tha n 25,000 that exceed 25% of this item) Prepaid expenses Repossessed personal property (including vehicles) Derivatives with a positive fai r value held for purposes other than trading Retained interests i n accrued i nterest receivable related to securitized credit cards TEXT3549 TEXT3550 TEXT3551 6,068,000

349,000 3,517,000 7,561,000 42,879,000

Total
* Include accrued i nterest receivable on loans, leases, debt securities, a nd other interest bearing assets. ** See discussion of deferred income taxes in Glossary entry on income taxes. *** Report interest only strips receivable in the form of a security as available for sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC , item 5, as appropriate. * * * * Include Federal Reserve stock, Federal Home Loa n banks stock, a nd ba nkers banks stock.

o o o o o o o 60,374,000

or accuracy or relevance by any member of the his statement has not been reviewed or confirmed f T

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JPMORGAN C HASE BAN K, N ATIONAL ASSOCIATION Schedule RC F Other Assets

Quarter Ended : 2 008-09-30 Agency Update: 2008- 1 1 - 1 7 ( U S D , i n thousands)

Accrued interest receivable* Net defe rred tax assets** I nterest only strips receivable (not in the form of a security)*** o n : Mortgage loans Other financial assets Equity securities that do not have readily determinable fair values** * * Ufe insurance assests All other assets (itemize a nd describe amounts greater tha n 25,000 that exceed 25% of this item) Prepaid expenses Repossessed personal property (including vehicles) Derivatives with a positive fair value held for purposes other than trading Retained interests in accrued interest receivable relate d to securitized credit cards TEXT3549 TEXT3550 TEXT3551 Tota l * I nclude accrued interest receivable on loans, leases, d e bt securities, and other interest bearing assets. ** See discussion of deferred income taxes in Glossary entry on Income taxes. *** Report Interest only strips receivable in the form of a security as available for sale securities in Schedule RC , item 2 . b, or as trading assets in Schedule RC , item 5, as appropriate. * * * * Include Federal Reserve stock, Federal Home Loan banks stock, a nd bankers banks stock.

. ..200.8:-09.-.30
7,619,000 4, 146,000

369,000 7,653,000 12,685,000 65,258,000

o o o o o o 97,730,000

or accuracy or relevance by any member of the This statement has not been reviewed or confirmed f

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JPMORGA N C HASE BA NK, NATION A L ASSOCIATION

Schedule RC F Other Assets
Qua rte r Ended : 2008- 1 2 - 3 1 Agency Update : 2009-02-23 (USD, in thousands)

2008- 12-3 1
Accrued interest rece ivable* Net defe rred tax assets** Interest o n ly strips receiva b le ( not in the form of a security)*** o n : Mortgage loans Oth e r financia l assets Equ ity securities that d o not have readily dete rminable fai r values**** Life insura nce assests All oth e r assets ( itemize and describe amou nts g reater tha n 25,000 that exceed 25% of this ite m ) Prepaid expenses Repossessed p e rson a l pro perty ( including veh icles) D erivatives with a positive fai r value h e ld for purposes other tha n trad ing Reta i ned i nterests in accrued i nterest receivable related to securitized credit cards TEXT3549 TEXT3550 TEXT3 5 5 1 6,672,000 5,951,000

238,000 7,733,000 1 1 ,936,000 5 1 , 623,000

Tota l

84, 153,000

o o o o o o o

* I nclude accrued inte rest rece iva b le o n loa ns, leases, debt securities, a nd other i nterest bea ring assets. ** See discussio n of d eferred income taxes i n G lossa ry e ntry on income taxes. *** Report interest o n ly strips receivable i n the form of a security a s available for sale securities i n Schedule RC , item 2.b, or as trading assets i n Schedule RC , item 5 , a s appro p riate . **** I nclude Fed e ra l Reserve stock, Federa l Home Loa n banks stock, a nd bankers banks stock_
This sta tement has not been reviewed or confirmed for accuracy or relevance by any member of the FFIEC.

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Schedule RC F Other Assets
Quarte r Ended : 2009-03- 3 1 Agency U pdate : 2009-06- 1 2 (US D , i n thousands)
2009-03-31

Accrued interest rece ivable* Net defe rred tax assets** I nte rest o nly strips receivable ( not in the form of a security)*** o n : Mortgage loa ns Oth e r financial assets Equity securities that do not have rea d ily d ete rmina ble fa i r values**** Life insurance assests All other assets ( itemize a nd describe a m o u nts g reater tha n 25,000 that exceed 25% of this item) P repaid expenses Repossessed personal p roperty ( including vehicles) De rivatives with a positive fa i r value h e ld for purposes other tha n trading Retained i nterests i n accrued i nterest receivable related to securitized credit cards TEXT3549 TEXT35 50 TEXT3551
Tota l

6,773,000 6,335,000

127,000 7 ,428,000 1 1 , 07 1 , 000 49,077,000

80,8 1 1,000

o o o o o o o

* I nclude accrued interest receiva b le on loans, leases, d e bt secu rities, a nd other i nterest bearing assets. ** See d iscussion of deferred i ncome taxes in Glossary e ntry on i ncome taxes. * * * Report inte rest o n ly strips rece iva ble i n the form of a security a s available for sale secu rities in Schedule RC , Item 2.b, o r as tra d i ng assets i n Sche d u le RC , item 5, a s a p p ro p riate. * * * * Include Federa l Reserve stoCk, Federal Home Loa n banks stock, a nd bankers ba nks stock.
This statement has not been re vie wed or confirmed for accuracy or relevance by any member of the

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J PMORGAN C HASE BA N K, NATIONAL ASSOCIATIO N

Schedule RC F Other Assets
Qua rte r Ende d : 20 1 0-03- 3 1 Updated : 20 1 0-05-05 (USD, i n thousands)

201 0-03-3 1
Accrued inte rest receivable* Net defe rred tax assets** Inte rest o n ly strips receivable ( not in the form of a security)*** o n : Mortgage loa ns Other financial assets Eq u ity securities that do not have read ily dete rm i nable fa i r va lues**** Ufe insura nce assests All other assets (itemize and describe amou nts g reate r tha n 25,000 that exceed 25% of this ite m ) Pre paid expe nses (exclud ing prepaid assessments) Repossessed personal property (including vehicles) De rivatives with a positive fa i r value h e ld for purposes other than trad in g Retained interests i n accrued interest receivable related t o securitized credit cards FDIC loss-sharing indemnification assets Pre p a id de posit insurance assessments TEXT3549 TEXT3 550 TEXT3 551
Tota l

5,033,000 6, 144,000

5 , 9 16,000 9,470,000 57,658,000

o o

84,2 21,000

o o o o o o

* Include accrued interest rece iva b le o n loa ns, leases, debt securities, a nd oth e r interest bea ring assets. ** See d iscussion of deferred income taxes in G lossa ry e ntry on inco m e taxes. *** Report inte rest only strips receivable in the form of a security a s available for sale securities in Schedule RC , ite m 2.b, o r a s trad ing assets i n Schedule RC , ite m 5 , a s a pp ro priate . **** I nclude Federa l Reserve stock, Federal Home Loan banks stock, a nd bankers banks stock.
This sta tement has not been revie wed or conf irmed for accuracy or relevance by any member of the

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Schedule RC F Other Assets
Quarter Ended : 20 1 1 -03 3 1 Updated : 2 0 1 1 06-23 (USD, in thousands)

20 1 1-03-3 1
Accrued inte rest rece ivable* Net defe rred tax assets** I nterest o nly strips rece iva b le (not i n the form of a secu rity)*** o n : Mortg a g e loa ns Other financial assets Equ ity securities that do not have readily dete rminable fa i r values** * * Life insura nce assets: G e ne ra l account l ife insura nce assets Separa te account life insurance assets Hybrid account life i nsurance assets A l l other assets ( item ize a nd describe a m o u nts greater tha n 25, 000 that exceed 2 5% of this ite m ) Prepaid ex penses (excluding prepaid assessments) Repossessed personal property (including ve hicles) De rivatives with a positive fa i r va lue h e ld for purposes othe r than trading Reta ined interests i n accrued interest receivable related to securitize d credit card s FDIC losssh a ring indem n ification assets P repaid deposit insura nce assessme nts TEXT3549 TEXT3550 TEXT3 5 5 1

6,926,000 o

5 , 2 1 2,000

4,202,000

4,944, 000 4,823,OOQ) ) ' 63,866,000

'l'jjjl

Total

89,973,000

o o o o o o o o

* Include accrued interest receiva b le on loa ns, leases, debt securities, a nd oth e r interest bearing assets. ** See d iscussion of deferred income taxes in Glossa ry entry on income taxes. *** Report interest only strips receivable i n the form of a security as available for sale secu rities in S chedule RC , item 2 . b, or as tra d ing assets i n Schedule RC , item 5, as appropriate . * * * * I nclude Federa l Reserve stock, Federal Home Loa n banks stock, a nd bankers banks stock.
or accuracy or relevance by any member of the irmed f This statement has not been re vie wed or conf

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Board of Governors of the Federal Reserve System

Last Update :

2 0 0 90912 . 132202

OlE ....... 71Il0-0128 "g. In. pIf /IIIIpOM8: 40.50 expn. FeIIIwry 21. 2.011 RS8D 10:

FR Y-IC

103950 2

Report at the close of business .. of the last calendar Uy of the quarter

This Report
Ing Company Act (12 U.S.C. 1844) and Section 225.5(b) of Regulation Y (12 CFR 225.5(b .
it

Consolidated Financial Statements for Bank Holding Companies FR V-IC

I8qUAd by law: Section 5(c) of the Bank H0ld

infoRnation. However. when such bank holding companies own 01' control, or are owned or controlled by. dher bank holding nies. only the top.tier holding c:ompeny must file Ihis report for the conaoidated holding company organlzalion. 1lIe FedenII Re8eMt may notcondud 01'sponsor. and an o,ganization (OI'a pemon) is not nJqUiIad to raspond to. 8 coIIe<:tion of infonnation unIeI8 it Cli8plays a amenIIy veld OMS control number. Date of Report

NOTE; Each bank holding COfIPIY'a board of din!Icb's and aenior /TI8Il8g8I11eIJt are responsible for 8SI8bIlsh1ng and ma/nIai'ring an efective system of inIemaI control. including controIa over the C0n 1II8ndaI SfatananIs for Bank HoldIng Compenies. The solidated F' manciat Statlntenls for Bank HoldIng Compenies ConsoIidaled F' are to be prepared in aOCORJaIl08 With in8truc:tIons ptQVided by the F8denll ReaeNe Systam. The ConaolidatedFlnanQal St_meutafor Bank Holding Ccmpanies must be signed and aIteated by the ChIef Financial Ofticar (CFO) of the reporting bank holding c:anpany (or by the individual performing this equivalent function). I. the undentigned CFO (or equiwllent) of the named bank holding 1NIndaI statementaforBank company. allastthatthe ConsolIdated F' Holding Companies (induding the supporting sdleduIes) for this repoItdate have been prepared in oonfOnnanCeWiCh the Inatrudion8 iaaued by the Federal ReteMt Syatem and are trw and c:onect to the best of my knowIadge and belief.

This NlpOrt form it to be flied by bInc holding companies with toIaI ng consoIidalllld asaetaof"miIIion Ol' nJOI8.lnaddltlon. bankhofcf COII'Ip8Ides meeting CII18in criteria must file this report (FR Y-9C) ragardIese of size. See page 1 of the general lns1ructions for further

June 30, 2008

...... .... d ... tlaldlllg CGmplny (JSCTlDtO) 270 PARK AVBNUB

JPMORGAH

OIASE

"

co .

(MIIIIno d"'" HoIdIIv CanlpMf) SIRIel/P.O. " (JSCT '"O) NY 10017 NEW YORK

Bank holding oornpanies must maInIain In their files manually Iigned and atleSIiad prinIDut of the data 8dlrniI8d. Person to whom queaIons about this NPOrt 8houId be dir8ded:

For FedtKstI Reaene BMk Use Only C.I.

NMIe''I1Ia (lEXT 1lII01)

R ID

__ ___ __ __ __ __ __ __

S.F.

__

FAX NumIIer (TEXT 81.)

RSSD ID: 1039502

FR Y-8C ,.. 20

Schedule HC-F-Other Assets

a. Mor1gage loans................................................................................................................ . A519 b. Other financial 8888t8....................................................................................................... A520 4. Equity aec:uriIies that DO NOT have readily detenninllbfe fair values" .................................. 1752 5. Life insurance 8I8ats ............................................................................................................ COO8 6. Olher .................................................................................................................. . ...... ............. 2168 bhd 7. Total (sum of items 1 thRNgh 6) (ng( equal Sc:hedufe HC, item 11 ). ... . ... . . .. . . . . . 2160
. . . .... .. .. . .. . . . . .. . .

2. Net detiarntd tax atsI8Is2....................................................................................................... 3. Interest-only strips receivable (not in the form of a security)' on:

1. Accrued interest receUable1.................................................................................................. .

..

atCK BIS68
2148

7857000 0 0 769000 2642000 13735000 99472000

"-- - -

1. 2.

..

3.a. 3.b.

/ ----

8.

....

( 124415000

) 7.

3. Report inIIIntIl-onty IIrfps IIICIIUIIbIe In the IIDrm file seCtdy .. 1IVIII...... securIIIes In Sc:heduIa He. lam 2.b. or .. hdIng IIIbIe-fo ..... In Sc:hedufe He. lam 5. as appIopriat. <t. Include Federal R8eenIe 1IDI:k, FedenII HOme loan Bank Sfoc:Ic. and &IIntrera' bank etoc:rc.

1 . Indude .x:ruad IItIntst IeaeiIIalIIa on loans, ..... debt 88CUIIlIe8 and OIlIer 1nI8reet-lleeltng ..... .. .. 2. See diIc:I-.Ion of ctefenect mom. .... 1n GlosSary aMy on "Income ..... .

Schedule HC-G-Other LlabUItles

1. Not applicable 2. Net defenad tax liabilitiest . .. . .. . . . . .... . . .. . . .. . 3. Allowance tor ad I08IIS on oIf.baIance sheet ad expoauras . .
............ ... ...... .... . ..... . . . .......... . . . . . .... ..

I
.....

I
4. 5. 23-

4. Olher 6.

.. . . . . .

.. .
..

....

....

......

0 _ __ . . .. .. :..=.+-_ _ _-'-i 3048 686000 ...;;;=.-+_ 8551 .;; _ -:-:-< _ ---1 . .. . .

.. .... ... .. .. .... .

....... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

B884 _ = =-+_ _ .;...o..-...-t .;. .;..

168252000

Total (tun d iIIIIms 2 thrQugh 4) (must equal Schedule He, item 20) .
..

.....

.......

. .. . .
. . .

........

168938000 . . L..;= _______..... X1SO '-'. .

bhd

Dollar Amounts in Thouunds

1. Earning aaeetB that ate repliceable within one year or mature wilNn one year 2. Interaet-bearing deposit labilities 1I1at reprice within one year or mature wIIhin one year included In IIem 13.a(2) Md 13.b(2) on Schedule HC, BaIanc:ie St-.t. ................................. 3. Long-tII!Inn debt that reprices wiIhIn one yew Included in iI8ms 16 Md 19.8 on Sc:hedufe He, Balance sa.t................................................................................................. 4. variable ..... p!8famJd 8CDCk (Indudea baCh firniIIId..ifa and pecpetual prefened sfIodt) ........ 5. t..ong-IIIIrm debt reportad In Schedufe He, iIem 19 on the a.Iance Sheet that is
....................

3197

8HCI< I

740655000 369200000 136843000 6000000 3639000

1.
2. 3.

32811 3288 3408

I I I

4.
5.

8CheduIed to maluIe wiIhin one year .....................................................................................

3409J

1 . Bank hOldIng compl"_ wIIh baign oItIc:ea have the opIIon of 8IIdIdng .. emaIIeIt of lUdl .....S. oIIcIs t.om CX\lll8nlll8 .. 111a ..u 1CI18duIe. Sur:h baM holding CIIIIlpII1i8II may omI the amaIInt oftheir' oIIIIIIS In b1IIsJn CCIUI1IItaa .... bJ liliiii ..... pnMdad 1hat the ...... fII the excluded do not CUCClIIfICI IiO peran fII ... taeaI _ of ... bank haIdIng CIJnIt*IY'S ..... in fonIIgn coun1riM and 10 peraIIIf of the bank hOlding cocnpany'S '*' CIIIIIICIIIdRId __ .. fII " rapoct dale.

Board of Govemonl of the Federal Reserve System

Last Update :

2 0 09 0912 . 1 32203

FR Y-9C OUB Number 7100.0128 A1Ig. .... par ........-: 1.110 expn. FebIuary 28, 2011

RS80 ID:

1039502

ThIs nIpOIt fonn is to be led by bank holding WillI total consoIidaIed ..... oftIMmilionormore.lnadc:llon, bankholding oompanies meeting certain c:riI8Iia mUll Ie this ftIPOIt (FR V-9C) rwganfleea ofaize. See page 1 ofthe ganeral lnsIruc:Iions forfurttler

This Report is NqUired by law: Section 5(c) of the Bank H0ld ing Company Ad (12 U.S.C. 1&44) and Section 225.5{b) of Regulation Y (12 CFR 225.5(b.

Report at the close of business of the ..t calendar day of the quarter

Consolidated Financial Statements for Bank Holding Companies FR V-9C

information. However, when SUCh bank holding companies own or concroI. or .. owned or controlled by, other bank holding nies, only the top.tier hoking ty must Ie this n!IpOft for the consolidated holding company organization. The Federal Reeerwt may not c:cnduc:t orsponsor, and an orpIlization (ora p&I8OII) II not NqUiRId to nIIPOfId to, a collection of inIbnnatIon unless it displays a cunentIy veld OMS conb'oI number.
Date of Report:

NOTE: Each bank hotdlng company's boan:t of diAIcbs and senior management are I88pOn8ib/e for 8II8bIishing and maintaiting an effective system of intemaI controf. lncIuding corttnII8 over the C0n solidated financial Stalllments for Bank Holding Companies. The ConaoIidatld Financiaf StaMn..... for Bank Holding Companies are to be PftIP8I8d in aocordance wiItI ln8tructiOns pcovicIed by the Federal Reeerve System. The ConsoIidaIad FInanciaI Statenlentsfor Bank Holding Companies must be signed and aIIestad by the Chief Financial Of cer (CFO) of the nII)Ot1ing bank holding CCJI'I1)8nY (or by the individual peri)nning this equivalent function).

September 30, 2008

reportdaee hMlebeen prep8f8d In confonnance wiIh the instnlctions Issued by the Federal Reaerw System and are true and COI'NCt to the best of my knowledge and belief.

Holding Companies (induding the supporting 8dleduIea) for this

COI11J8IlY, alllestthattheConeolidafed F II'IIIf1CiaI StaIements for Bank

I, the t.JI1dInigned CFO (or equivalent) of 1he named bank holding

JPMORGAN CHASE

" CO .

(MIIIIng AdIRD Of.. a.M ...... camp.n,) .... ,P.O. .. (TEl(1' 8"0) NEW YORK NY 10017

Bank holding companies must maintain In their

For FedenJI ReSIn8 Bank Usa Only c...

Ies . manually signed and attaetrId printout of the data aaniIIed. ..... ,1iIB (TEXT 89111)

PenIon to whom questions about this n!IpOft IhouId be dinIded:

ID

__ __ __ __ __ __ __ __

S.F.

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E-4NIiI ...... OfOonlla (TEXT 4OIe) to PubIc AIPGIIno buIdIn IIrtllil illbnlllllill. caIedIan ........ to -rflan 6.0 to ,. .... .. ,......., ., .. ...... fl 40.I0 .... par ...... lnduIIna ....lll*t Of __ ... .... dllll in .. ...... fDnII ... to ... ... QIIIIIIIeIe .. Huinlllliall collldlon. ec.m.... ....... .. buniIn ....... orIn/ Clllw Il .. buniIn .., .....to s.c:.-y. ao.drtlc:a.-at........ .... SWIIam. ....... D.C. 20661 . thls lnbllllllloi, CIIIeeIIan, Inc:IucIng ....... _Mdudng Md to .. or Of """"", 8IICI Budget. R8duc:IIon PIajecI (71CJ0.4128). ....... D.C. 20lI03.

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1 . Aoctued intentst receivabIe'.................................................................................................. 8568 2. Net defenecI tax assets2....................................................................................................... .. 2148 3. lnterest-only strips IaCeivabIe (not in the fonn of a aecurity)3 on: a. Mortgage loans................................................................ ......................... . ........... . .......... A519 b. Other ftnanciaJ assets ..................... . ............................... ................................................. A520 4. Equity aecuritie8 that DO NOT have readily d8t8rminabIe fair .. ............................... . 1752
. .. .. . .

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1. 2. 3.a 3.b.

6. Other .................................... ............................ .....................................................................

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6.

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Schedule HC4-Other Liabilities

. . . . . . . . . . .. .. . ... .. . . . 2. Net delaned tax liabilities'. .... . . . .. .. . 3. Allowance for credit Josees on of-baIance sheet credit exposures. . . . . .
. . . ... . ... ...... . . . . .... ... . .. .. .... .. . .. .. .. .. .

1. Not applicable

1
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.

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.. . . . . ....... . . . . . . ............................................... . .................. .. ......... ... ......... . . . . . . . . . . . . . . . . . . . . . . . . . .

358265000 S88 =+-_ =I4 _ ....:;= ;.;:.

258975000

3.

5. T (sum of items 2 through 4) (must equal Sc:heduIa He, Hem 20).... otal
1. See dllallllon ofdefened Income .... n ..., on "InCome __

...

..

...

.. .
...

. . . . ..
.. . . ..

....

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Schedule HC-H-f....t Sensitivity' ..

DoIarAmounts in ThousandS 2. lnterest-oearing deposit labilities that repnce WithIn one year or mature wIIh/n one year
Included In lIem

1. EarnIng asaeIa that .... ftJPriceabIe within one year or mature wiIhIn one year 13.8(2) and 13.b(2) on Schedule He. Balance Sheet
.. .... . . . .. . . .. . .... . . .

....................

3197

BHCK I

1005083000
----

1. 2.
4.

..................................

3. I..ong-1I8nn debt that reprtcea wIlhIn one year Included in items 16 and 19.a on 3288 . Sc::heduIe He. Balance Sheel . . . . . . . . . . .. . . .. .... . ... . ... . . . . .. . . .. . . .. . . 4. \IariabIe nrIe praterred stock (Includes both IifrIIed..tIIa and perpetUal preferred atodt) ........ 3408 5. long-tienn debt I8J)Of1ed in Sc:heduIe He. item 19.a on the Balance Sheet that is 3408 acheduIed to ntatunt within one year . .. .. . .... .. . . . ... . . .. . .. . . . . . .
. .. ... . .

3298-' I I 1

480113000 120546000 6000000 3621000

.... . . . . . . . . . .

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1 . Bank holding companiaa wIIh fonIign omc. have .. opIIDn of 8lICIUdIng lie ....... of 1IUCIt ...u.s. oIIcea tom ClOIf8OI!t n ..

schedule. SudI ba'* IIOIcIq CQIIIJIIIIes may aml lhe amaIIaIt 0I1hair __ n fonIfgn wtI8n ..,.. by '" ...... PftWIded 1haI .. ...... of.. 8lCduded oIIIIl8I do not ttII.DMd 50 pement 01 the 1OIaI ..... 01 ... bar* IIc*IIng COIIIfIIIIY'8 ..... 10 iInIign cxut.... and 10 ..... or .. bInk holding campeny's tDIIII eoneoIdaIad .... as oflhe naportdaee.

EXHIBIT E

WSJ ONLINE ARTICLE BY ELLEN E. SCHULTZ

By E LLEN E . SCHULTZ Ba nks a re using a l ittle - known tactic to h e l p pay bonuses, deferred pay and pensions they owe executives: They're holding l ife- insurance policies on h u ndreds of thousands of their workers, with themsel ves as the beneficiaries. Ba n ks took out m u ch of this l i fe i n su rance d u r i ng the mortgage b u bble, when executives' pay -- and the IOUs for thei r deferred compensation -- s u rged, and banking regu lators affirmed the use of l i fe insurance as a way to finance executive pay and benefits. of the fi rst q u a rter, accord i n g to bank fil i ng s . Wachovia Corp . has $ 1 2 billion, J . P. Morgan Chase & Co. has $ 1 1 . 1 b i l l ion and Wells Fargo & Co. has $ 5 . 7 b i l l i o n . (Wells Fargo acq u i red Wachovia at the end of last year. ) The i ns u rance policies essentially are i nformal pension fu nds for executives: Compan ies deposit money i nto the contracts, wh ich are l i ke b i g , nondeductible IRAs, and a l locate the cash a mong i nvestments that grow tax-free. Over time, e mployers receive tax - free death benefits when employees, former e mployees a nd retirees die. Though not i m p roper, the practice is similar to what is known a s Ilj a n i tors i ns u rance , " an i ns u rance-on -em ployees technique that has long been controversia l . Critics say the banks' i ns u rance contracts are a way for companies to create tax breaks for fu nding executive pensions. And some fa m i l ies have co m p l a i n ed that employers sho u l d n 't profit from the deaths of their loved ones. Ban k of America Corp. has the most l i fe i ns u rance on e m ployees: $ 1 7 . 3 billion at the end

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Efforts to rein i n the practice largely have been u nsuccessfu l , i ncluding the most recent rules Cong ress enacted in 2006. The rules l im i t companies to b u y i n g l ife i ns u rance to j ust the top t h i rd of earners, who m ust provide consent. But the rules don't apply to l ife i n s u rance that employers boug h t before the August 2006 rules, w h i ch cove r m i l l ions of cu rrent and former e m ployees.

Banks are far from a lone i n buying such company-owne d l ife i nsu rance, or COLI . Thousands o f com pa n i es d o i t , i ncluding American International G ro u p Inc., Fa nnie Mae, Fredd i e Mac, K i m berly-Clark Corp. and Tyson Foods, Inc. But banks have been a mong the place. la rgest players, p u m p i ng b i l lions more i nto new poli cies since the 2006 rules were put in

Last week, the Treasu ry proposed e l i m inating com panies' a b i lity to ded u ct i nterest on loans related to COLl. This would have l ittle i mpact on banks, which don't borrow money to i nvest i n l ife insurance. The proposal would a lso leave u ntouched the major tax breaks of the practice. Ban ks had a total of $ 1 22 . 3 billion in l i fe i ns u rance o n e m ployees at the end of 2008, nearly dou b le the $65.8 b i l l i o n they held at the end of 2004, accord ing to a Wall Street Journal analysis of bank fi l i ngs. U n l i k e other com pa nies, banks are req u i red to d isclose the i r total l i fe - i ns u rance holdings in regu latory fil i ngs. I n recent years, the Office of the Comptroller of the C urrency affi rmed that b a n ks can buy l i fe i ns u rance to finance e m ployee benefits. But fil i ngs show that executive compensation accounts for most of the benefits. J . P . M o rgan, for i nstance, had $ 1 0 b i l l i o n in deferre d - pay o b ligations, compared with $ 1 b i l l i o n i n reti ree h ea l th obligations a t the e nd o f 2008 . Offsetting these obligations was $ 1 2 b i l l io n in bank-owned l i fe i nsurance, or BOLI . A spokesman for J . P. Morgan confirms the fig u res. Citigroup I nc. had $9 1 9 m i ll io n in unfunded retiree-health obl igations, $ 586 m i l l i o n in su pplemental executive penSion obligations, and rou g h l y $S billion in deferred compensation . O ffsetting these obl igations: $4 . 2 billion in l i fe i ns u rance. A spokesman says Citigro u p boug ht BOLI because it was "an attractive use of ca pita l , " and for "the tax free nature of the death proceeds . " Ba n k of America doesn't disclose its deferred-co m pensation obl igations, b u t fil i ngs show that at the end of 2008 , its retiree health plan had an u nfunded o b l igation of $ 1 . 3 b i l l ion, and that i t owed $ 1 . 3 billion in supplemental executive pensions . The bank had a total of $ 1 7 . 1 b i l lion in l i fe i nsu rance, which suggests a su bsta ntial deferred-com pensation o b l igation. A BofA spokeswoman declined to com ment o n the deferred compensation o b ligation, but in a n ema i l sai d : " Li ke many companies, Bank of America uses this i nsurance to h e l p defray the cost of e m p l oyee benefits . " Companies don't u s e t h e pol icies a s piggy banks to p a y for compensation a nd benefits. Rather, they benefit from keeping the money in the contracts : Thanks to acco u nting rules for l i fe i nsurance, gains o n the investments -- fro m stocks, hedge funds, bonds and the l i k e - - aren't j ust tax free, but a re repo rted as income each quarter. Otherwise, companies cou l d n 't add g a i ns from secu rities as i ncome u nt i l they sold the m , and they would be taxed . This income reduces the drag that executive lOUs have on earni ngs. (Banks owe i n te rest on the deferred pay ; a n d l ike a ny other k i n d of debt, the i n te rest on executive debt lowers earni ngs. ) Though the i nvestments are i l l i q u i d , the banks receive tax-free cash when employees a n d

former employees d i e . Pacific State Bancorp, of Stockton , Cal if. , recently reported $ 2 . 6 m i l l io n i n i ncome from a death benefit i n 2008. The company d i d n ' t respond t o requests for comment. A s u bs i diary of Conseco I nc. , Ban kers Life & Casualty, wh ich bought l i fe i ns u rance on e m ployees i n 2006, received $2 . 7 m i llion that year from a death benefit, accord i ng to fil i ngs. A spokesman says the bank bought the i ns u ra nce "to offset the expense of deferred compensation. " Over the comi ng decades, banks w i l l receive a n estimated $400 b i l l i o n i n death benefits, consu ltants estimate. The death benefits somet i m es a re referred to in fil i ngs as " m o rtality d ividends" o r "yields. " E m ployers track the deaths o f former e mployees by check i n g Social Security Ad m i n i stration records. As a n i ncentive to get e m ployees to consent to bei ng covered, som e com pa n i es offer them a s m a l l portion of the death benefit. But the coverage may end when they leave the company. I n December, Irma Johnson accidenta l l y received a check for $ 1 . 6 m i l lion, from Secu rity life of Denver Insu rance C o . , payable to Amegy Bank . Accord i ng to a lawsuit Mrs. Johnson filed in February i n a Houston state court, in 2001 the bank told her h usband, Daniel Johnson, a credit risk manager who had s u rvived two b ra i n surgeries, that he was e l i g i ble for s u p plemental l i fe i n s u rance of $ 1 5 0 , 000, if he signed a consent form authorizing the bank to p u rchase an i ns u rance pol icy o n his l i fe . Fou r months later, the bank fired h i m . M r . Joh nson d ied from a b ra i n tumor a t ag e 4 1 i n 2008. H i s widow a n d two young chi ldren received n o l i fe-insurance benefits, w hich the bank had canceled when Mr. Joh nson left. M rs . Johnson says her h u sband was cognitively d i sa bled when he sig ned the consent form. A spokeswoman for Amegy Ban k , a u n i t of Z ions Bancorp, d ecli ned to comment o n the suit, but sai d , " Pa rticipation in Amegy's BOLI plan was comp letely voluntary; e m ployees consented to partiCipate. H

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Aug 1 9, 201 1 - When ordering, specify the appropriate enforcement action number. ...

On April 1 3, 201 1 . the Office of tlle Comptroller of the Currency (OCC) filed an enforcement action against JP Morgan-Chase, as well as sewn other mortgage ...

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Sep 1 . 201 1 - In April, the Fed announced similar actions against 14 other major U.S. banks. including Bank of America (BAC. Fortune 500). JPMorgan Chase . ..
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11

EXHIBIT

ORDER GRANTING INCLUSION IN THE RECORD

IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF DELAWARE

---------------

In re WASHINGTON MUTUAL, INC, et aI. Debtors.

Chapter 1 1 Case No. 08- 12229 (MFW) Jointly Administered Related Docket No
--------

---,----x --

ORDER FOR INCLUSION IN THE RECORD OF CASE No. 08-12229(MFW) JOINTLY ADMINISTERED OF DOCUMENTS AND INFORMATION AS NOTED BELOW. Upon the motion (the "Motion to Include") of the William Duke, shareholder, pro se, pursuant to Section 1 05(a) of title 1 1 of the United States Code, and Federal Rules of Evidence for the entry of an order approving the inclusion of the documents and information in the following exhibits attached to this motion to be included in the record of Bankruptcy Case No.08-1 2229(MFW) it is hereby: ORDERED that the "Motion to Include" is GRANTED for the information contained in Exhibit A, Exhibit B, Exhibit C, Exhibit D, Exhibit E and Exhibit F as attached to this motion.

Date:

_ _ _ _ _ _ _ _ _

THE HONORABLE MARY WALRATH UNITED STATES BANKRUPTCY JUDGE