TH E WAY F O RWARD Corporate Responsibility Report 2009

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About JPMorgan Chase Message from Jamie Dimon, Chairman & CEO Message from Bill Daley, Head of Corporate Responsibility Serving consumers Supporting small businesses Doing business with a double-bottom line impact Multiplying our impact through charitable contributions and employee engagement Promoting environmental sustainability Supporting our employees and diverse suppliers Maintaining strong governance practices and promoting a culture of “doing the right thing” Awards and recognition About this report Contact information JPMorgan Chase Global Reporting Initiative G3 Index

At JPMorgan Chase, we are focused on doing our part to lead the way forward The products and services we provide are helping to sustain the economy, finance infrastructure, and support the growth of small and large businesses, capital markets, and local and state governments domestically and around the world, as well as helping consumers manage the financing of their everyday lives. In this difficult economy, we place great effort and emphasis on helping struggling customers stay in their homes and face their personal financial challenges. Additionally, many of our businesses have a double-bottom line impact, meaning they seek both financial return and social benefit. These businesses are not a part of our philanthropic efforts but are based on sustainable, longterm business models. Our philanthropic efforts further multiply the impact to our communities. We recognize the overall importance of managing our own businesses responsibly and have built a culture around “doing the right thing” in our dealings with customers, clients and communities.

About JPMorgan Chase JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm and one of the largest banking institutions in the United States, with $2.0 trillion in assets, $165.4 billion in stockholders’ equity and operations in more than 60 countries as of December 31, 2009. We are a leader in investment banking, financial services for consumers and businesses, financial transaction processing and asset management. Under the J.P. Morgan and Chase brands, we serve millions of customers in the United States and many of the world’s most prominent corporate, institutional and government clients. JPMorgan Chase’s activities are organized into the following six business segments, as well as Corporate/Private Equity: Investment Bank, Retail Financial Services, Card Services, Commercial Banking, Treasury & Securities Services and Asset Management. For complete financial and organizational information, please refer to our 2009 Annual Report.

1

Managed Net Revenue by Line of Business Full-year 2009 (in millions)

Financial Highlights As of or for the year ended December 31, (in millions)

Retail Financial Services $32,692

Card Services $20,304

19% Commercial Banking $5,720

30%

5% 7%

Treasury & Securities Services $7,344

7% 6% 26% Investment Bank $28,109

Asset Management $7,965 Corporate $6,513

1 For a discussion of managed basis presentation and a reconciliation to reported net revenue, see pages 58-59 of the 2009 JPMorgan Chase Annual Report.

JPMorgan Chase & Co. Corporate Responsibility Report 2009

2009

2008

$100,434

$67,252

Noninterest Expense

52,352

43,500

Pre-provision Profit

48,082

23,752

Provision for Credit Losses

32,015

20,979

Income before Extraordinary Gain

11,652

3,699

76

1,906

$ 11,728

$ 5,605

2

Reported Basis Net Revenue

Extraordinary Gain Net Income

2 Results are presented in accordance with accounting principles generally accepted in the United States of America, except where otherwise noted.