Chase Earns Outstanding Rating for Community Reinvestment

RISMEDIA, July 24, 2008-JPMorgan Chase Bank has earned an overall outstanding rating for its community reinvestment across the United States from its primary regulator, the Office of the Comptroller of the Currency.”This Outstanding rating reflects the dedication and leadership of thousands of our colleagues who are helping families buy homes, finance small businesses and make our communities better places to live and work,” said William Daley, Head of Corporate Responsibility at JPMorgan Chase.

This is the first Community Reinvestment Act rating of the bank created by the 2004 merger of Bank One and JPMorgan Chase Bank. The Community Reinvestment Act rating reflects a bank’s effectiveness at serving the credit and capital needs of low-and moderate-income communities.

Chase’s strong network of convenient and accessible bank branches and ATMs as well as community development commitment helped earn the Outstanding rating.

Under the Community Reinvestment Act, banks are required to meet the credit needs of low-and moderate-income communities. Federal agencies provide a periodic review, which rates banks on the number of loans, investments and services provided to low- to moderate- income communities.

The Office of the Comptroller of the Currency evaluated the bank’s activity from January 2004 through December 2006. It looked at mortgage, small business and community development lending as well as community development investments, retail banking and community development services.

Chase serves consumers and small businesses through 3,150 bank branches, 9,200 ATMs and 290 mortgage offices as well as through relationships with over 14,500 auto dealerships, 5,200 schools and universities. It also serves more than 30,000 commercial banking clients, including corporations, municipalities, financial institutions and not-for-profit entities.

For more information visit www.jpmorganchase.com.