TREASURY SERVICES. Important Changes to Your Information Reporting Services

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1 TREASURY SERVICES Important Changes to Your Information Reporting Services Effective August 27, 2007

2 Important Changes to Your Information Reporting Services Contents Introduction Information Reporting Account Number Format Bank Identifier Changes for Direct Transmission... 5 Availability of Prior Day Information Reporting... 6 Information Information... 8 Average Collected Balances... 9 Transaction Reference Number... 9 Detailed Transaction Reporting Outgoing Data Exchange Tables JPMorgan Chase & Co. (JPMC) and its affiliates and subsidiaries make no guarantee and provide no warranty as to the accuracy or completeness of the information contained in this publication. Though JPMC has used its best efforts to ensure the accuracy of the information contained herein, the information is subject to future change or correction, which may occur with limited or no notice. For information regarding updates and corrections, please visit jpmorganchase.com/visit/accountupdates. If you have any questions, please contact your sales officer or the service-specific technical solutions group.

3 Introduction JPMorgan Chase will introduce some important changes to several of its information reporting services later this year. Effective Monday, August 27, 2007, many U.S. dollar accounts* will be standardized to reflect common functionality for your prior day and current day information reporting on these services: JPMorgan ACCESS SM JPMorgan Insight SM JPMorgan Chase Treasury Workstation TSLink TSLink Direct TSLink Transend DEX Data Transmission Outgoing Data Exchange The One Connection Online The One Net Information Reporting Direct Transmission FirstCash If your information reporting services do not appear on this list, they will not be impacted. (NOTE: Enhanced Receiver Services, EPOS and JPMorgan PaySource SM are NOT impacted by changes on August 27, 2007) This booklet includes the most recent information available regarding these changes. Highlights include: BAI revisions will generally provide a more detailed assignment for reported transactions. An expanded, 15-digit account number reporting format for JPMorgan Chase accounts will be used for some services. Enhanced descriptive text will accompany some transactions. If you have built automated interfaces with JPMorgan Chase systems, you may need to make some internal coding modifications to support the changes outlined in this booklet. * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). 2 All changes effective August 27, 2007

4 The information in this booklet can also be found on our dedicated Web site: jpmorganchase.com/visit/accountupdates Please visit this Web site regularly for updates. We will also continue to send you additional information on these and other demand deposit account (DDA) changes to help ensure you have sufficient time to make the necessary modifications. If you have questions regarding this information, please contact one of our service-specific Technical Solutions Groups: JPMorgan ACCESS JPMorgan Insight JPMorgan Chase Treasury Workstation TSLink, TSLink Direct, TSLink Transend DEX Data Transmission Outgoing Data Exchange The One Connection Online The One Net Information Reporting Direct Transmission FirstCash INTERNATIONAL CONTACT INFORMATION Europe/Middle East/Africa +44 (0) Asia Pacific/Australia (AU Toll Free) China Hong Kong (HK Toll Free) India Indonesia Japan (JP Toll Free) Philippines Singapore (SG Toll Free) Taiwan * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). PLEASE NOTE: Beginning August 27, 2007, minor changes in text reports may affect clients that parse data using formatted text reports. If you currently parse data from formatted text reports for use with a treasury workstation or other internal application, some modifications may be required on August 27 to accommodate minor report shifts. JPMorgan Chase Treasury Services 3

5 Information Reporting Account Number Format on Printed Reports and Export Files Beginning August 27, 2007, the account number format will change on some reporting services. JPMorgan ACCESS Viewed and printed reports: Leading zeros and dashes will be suppressed on viewed and printed reports. Export files in the, Comma Separated Value (CSV) and MT940 type formats: Accounts will appear as 15-digit numbers with leading zeros preceding the current account number. My Saved Reports and historical reports will be updated to reflect the new account formats. Print reports: Leading zeros and dashes will be suppressed. Export files in the, CSV and MT940 type formats: Accounts will appear as 15-digit numbers with leading zeros preceding the current account number. JPMorgan Chase Treasury Workstation Accounts will appear as 15-digit numbers with leading zeros preceding the current account number. Your historical information for these accounts can be managed under either the new or the old account format by making simple changes to your software. Instructions are available at: jpmorganchase.com/visit/accountupdates Direct Transmission Accounts will appear as 15-digit numbers with leading zeros preceding the current account number. This will not impact clients that have established suppress leading zeros as an implementation option. FirstCash Accounts will appear as 15-digit numbers with leading zeros preceding the current account number. Historical information will be converted to the 15-digit format. The One Net Information Reporting Accounts will appear as 15-digit numbers with leading zeros preceding the current account number. * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). 4 All changes effective August 27, 2007

6 There are NO CHANGES in the reporting account number for these services: JPMorgan Insight TSLink TSLink Direct TSLink Transend DEX Data Transmission Outgoing Data Exchange The One Connection Online There are NO CHANGES to the following functions related to the account number reporting change: Funds (wire) transfer initiation functions/templates Automatic Clearing House (ACH) initiation functions/instructions Liquidity investment initiation functions JPMorgan Chase Bank Identifier Changes for Direct Transmission The bank identifier will be modified for Direct Transmission reporting beginning August 27, 2007: New York Direct Transmission accounts currently reported under CHASUS33 will be reported under ABA DO NOT CHANGE your ABA/SWIFT ID for funds (wire) transfer for any initiation service. There are NO bank identifier changes for the following services: JPMorgan ACCESS JPMorgan Insight JPMorgan Chase Treasury Workstation TSLink TSLink Direct TSLink Transend DEX Data Transmission * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). Outgoing Data Exchange The One Connection Online The One Net Information Reporting FirstCash JPMorgan Chase Treasury Services 5

7 Availability of Prior Day Information Reporting The prior day reporting times for these U.S. dollar accounts* will be slightly modified beginning August 27, Existing Standard Reporting Times August 27, 2007 Standard Reporting Times Asia 8 p.m. ET 8 p.m. ET Europe 12 a.m. ET 12 a.m. ET US/Western Hemisphere 7 a.m. ET 6 a.m. ET If you have established an automated scheduler to access reports or data files, it is important to note that data reporting times may differ slightly from the current environment. You may need to make internal coding modifications in order for your system to accept the new standard reporting time. Data is generally available earlier than these standard times. All information delivery formats are affected by these changes: printed reports, data transmissions and export files. Information U.S. dollar accounts* for which you receive reports or data files (, BAI1, ANSI and proprietary formats) will be affected by changes. These changes will generally provide a more detailed assignment for reported transactions. The following systems are impacted: JPMorgan ACCESS changes are detailed on pages 12 17, JPMorgan Insight changes are detailed on pages 25 30, JPMorgan Chase Treasury Workstation changes are detailed on pages 12 17, TSLink s are not applicable for TSLink. * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). TSLink Direct changes are detailed on pages 18 24, TSLink Transend s will not change. 6 All changes effective August 27, 2007

8 DEX Data Transmission changes are detailed on pages 25 30, Outgoing Data Exchange changes are detailed on pages 18 24, The One Connection Online changes are detailed on pages 12 17, The One Net Information Reporting changes are detailed on pages 12 17, Direct Transmission changes are detailed on pages 12 17, FirstCash changes are detailed on pages 12 17, If you currently download BAI data or export data from these Information Reporting systems, it is important to note that you may need to make internal coding modifications in order for your system to accept these code changes. Generic test files will be available at jpmorganchase.com/visit/accountupdates in mid-june to help you validate internal interfaces. Historical information prior to August 24 will be retained under the current s. day information for August 24 will be reported under the existing s. The new s will appear for these U.S. dollar accounts* on Tuesday, August 28 for prior day information, and Monday, August 27 for current day information. Friday August 24 Monday August 27 Tuesday August 28 Day Reporting Old s New s New s Prior Day Reporting Old s Mix of Old & New BAI s New s * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). JPMorgan Chase Treasury Services 7

9 Information Additional summary level s (e.g. 190 Total Incoming Money Transfers) will be reported in export files for these U.S. dollar accounts*. This information will follow standard specifications and will be located in the 03 record, including continuation records of the file. Item counts will be reported for BAI s 100 (Total Credits) and 400 (Total Debits) only. These changes affect the following systems: JPMorgan ACCESS changes are detailed on pages JPMorgan Insight changes are detailed on pages JPMorgan Chase Treasury Workstation changes are detailed on pages TSLink Only s 100 and 400 will be provided. TSLink Direct Only s 100 and 400 will be provided. TSLink Transend Only s 100 and 400 will be provided. DEX Data Transmission changes are detailed on pages Outgoing Data Exchange Only s 100 and 400 will be provided. The One Connection Online changes are detailed on pages The One Net Information Reporting changes are detailed on pages Direct Transmission changes are detailed on pages FirstCash changes are detailed on pages * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). 8 All changes effective August 27, 2007

10 Average Collected Balances: Month-to-Date, Prior Month-to- Date and Yearto-Date ( Status s) Average Collected Balances reported on information reporting services will be the average of the collected balance positions (ledger minus float), including both positive and negative balances, divided by the number of posting days. Month-to-Date Average Collected Balance ( 050) Prior Month-to-Date Average Collected Balance ( 043) Year-to-Date Average Collected Balance ( 055) Average Collected Balance information will be reported for the following services: JPMorgan ACCESS JPMorgan Insight TSLink TSLink Direct TSLink Transend DEX Data Transmission Outgoing Data Exchange Average Collected Balance information will NOT be reported for the following services: JPMorgan Chase Treasury Workstation The One Connection Online The One Net Information Reporting Direct Transmission FirstCash Transaction Reference Number (TRN) Beginning August 27, 2007, some transactions (e.g. checks) will report an all-numeric TRN. Other TRNs may continue to include an alphabetic suffix. Please use the TRN when initiating inquiries to JPMorgan Chase about these transactions. The TRN will also appear on your bank statements and funds (wire) transfer advices. * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). JPMorgan Chase Treasury Services 9

11 Detailed Transaction Reporting Detailed transaction reporting changes will take effect August 27, 2007 for these U.S. dollar accounts* established on information reporting services. Changes include: Day Reporting: Descriptive text will change for some transactions (e.g. Teller, ATM, Back-Value Adjustments). Adjustments that are generated late in the business day will be included only on prior-day information reporting. Float reporting for detailed credits will be consolidated into 1 and 2+ day categories on printed reports for JPMorgan ACCESS, TSLink, The One Connection Online, The One Net and the JPMorgan Chase Treasury Workstation. Float reporting is currently reported in 1, 2, and 3+ day categories. Prior Day Reporting: Float reporting for detailed credits will be consolidated into 1 and 2+ day categories on printed reports for JPMorgan ACCESS, TSLink, The One Connection Online, The One Net and the JPMorgan Chase Treasury Workstation. Float reporting is currently reported in 1, 2, and 3+ day categories. Outgoing Data Exchange The changes noted previously in this booklet apply to U.S. dollar accounts* for which data is sent to other financial institutions for information reporting via Outgoing Data Exchange. JPMorgan Chase will notify our third-party vendors and request that our vendors inform receiving financial institutions of the changes affecting Outgoing Data Exchange accounts. If you have pre-established Outgoing Data Exchange of your account data to another financial institution, we suggest you confirm that they are prepared to support the changes noted above. NOTE: changes are detailed on pages * U.S. dollar accounts in the following legal entities and corresponding US states are primarily impacted: JPMorgan Chase Bank, N.A. (New York (including Syracuse Controlled Disbursements), New Jersey, Connecticut) and Chase Bank USA, N.A. (Wilmington, Delaware, including Controlled Disbursements). 10 All changes effective August 27, 2007

12 Tables

13 JPMorgan ACCESS, Direct Transmission, FirstCash, JPMorgan Chase Treasury Workstation, The One Connection Online, The One Net Information Reporting 115 LOCKBOX DEPOSIT 115 LOCKBOX DEPOSIT 110 LBX 135 DTC CONCENTRATION CREDIT 135 DTC CONCENTRATION CREDIT DTC CONCENTRATION CREDIT 399 MISCELLANEOUS CREDIT 390 MSC 145 ACH CONCENTRATION CREDIT 165 PREAUTHORIZED ACH CREDIT 140 STO 166 ACH SETTLEMENT 165 PREAUTHORIZED ACH CREDIT 140 STO 168 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 166 ACH SETTLEMENT 167 MSC 169 MISCELLANEOUS ACH CREDIT 165 PREAUTHORIZED ACH CREDIT 140 STO 169** MISCELLANEOUS ACH CREDIT 195 INCOMING MONEY TRANSFER 190 TRF 172 DEPOSIT CORRECTION 172 DEPOSIT CORRECTION 170 CHK 172 DEPOSIT CORRECTION 353 CASH CENTER CREDIT 352 MSC 174 OTHER DEPOSIT 174 OTHER DEPOSIT 170 CHK 174 OTHER DEPOSIT 175 CHECK DEPOSIT PACKAGE 170 CHK 174 OTHER DEPOSIT 366 CURRENCY AND COIN DEPOSITED 352 MSC 174 OTHER DEPOSIT 399 MISCELLANEOUS CREDIT 390 MSC 175 CHECK DEPOSIT PACKAGE 175 CHECK DEPOSIT PACKAGE 170 CHK 175 CHECK DEPOSIT PACKAGE 399 MISCELLANEOUS CREDIT 390 MSC 195 INCOMING MONEY TRANSFER 195 INCOMING MONEY TRANSFER 190 TRF 195 INCOMING MONEY TRANSFER 252 DEBIT REVERSAL 251 MSC 195 INCOMING MONEY TRANSFER 399 MISCELLANEOUS CREDIT PHONE FUNDS XFER 390 MSC 195 INCOMING MONEY TRANSFER 399 MISCELLANEOUS CREDIT 390 MSC 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 195 INCOMING MONEY TRANSFER 190 TRF 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 390 MSC 229 MISCELLANEOUS INTERNATIONAL CREDIT 229 MISCELLANEOUS INTERNATIONAL CREDIT 210 MSC 229 MISCELLANEOUS INTERNATIONAL CREDIT 249 MISCELLANEOUS SECURITY CREDIT 230 SEC 229 MISCELLANEOUS INTERNATIONAL CREDIT 354 INTEREST CREDIT 390 MSC 229 MISCELLANEOUS INTERNATIONAL CREDIT 357 CREDIT ADJUSTMENT 356 MSC 233 SECURITIES SOLD 249 MISCELLANEOUS SECURITY CREDIT 230 SEC 237 INDIVIDUAL COLLECTION CREDIT 357 CREDIT ADJUSTMENT 356 MSC 240 COUPON COLLECTIONS BANKS 399 MISCELLANEOUS CREDIT 390 MSC 249 MISCELLANEOUS SECURITY CREDIT 249 MISCELLANEOUS SECURITY CREDIT 230 SEC 249 MISCELLANEOUS SECURITY CREDIT 399 MISCELLANEOUS CREDIT 390 MSC 266 RETURN ITEM 175 CHECK DEPOSIT PACKAGE 170 CHK 266 RETURN ITEM 252 DEBIT REVERSAL 251 MSC 266 RETURN ITEM 266 RETURN ITEM 260 RTI 266 RETURN ITEM 399 MISCELLANEOUS CREDIT 390 MSC 275 ZBA CREDIT 275 ZBA CREDIT 270 MSC 275 ZBA CREDIT 354 INTEREST CREDIT 390 MSC 275 ZBA CREDIT 359 INTEREST ADJUSTMENT CREDIT 390 MSC 275 ZBA CREDIT 399 MISCELLANEOUS CREDIT 390 MSC 277 ZBA CREDIT TRANSFER 171 INDIVIDUAL LOAN DEPOSIT INDIV LOAN DEPOSIT 180 LDP 277 ZBA CREDIT TRANSFER 277 CMA CREDIT TRANSFER 270 MSC 357 CREDIT ADJUSTMENT 357 CREDIT ADJUSTMENT 356 MSC 359 INTEREST ADJUSTMENT CREDIT 175 CHECK DEPOSIT PACKAGE 170 CHK 359 INTEREST ADJUSTMENT CREDIT 254 POSTING ERROR CORRECTION CREDIT 250 MSC 359 INTEREST ADJUSTMENT CREDIT 359 INTEREST ADJUSTMENT CREDIT INTEREST ADJUSTMENT CREDIT 390 MSC 359 INTEREST ADJUSTMENT CREDIT 359 INTEREST ADJUSTMENT CREDIT 390 MSC 399 MISCELLANEOUS CREDIT 165 PREAUTHORIZED ACH CREDIT 140 STO 399 MISCELLANEOUS CREDIT 166 ACH SETTLEMENT 167 MSC SWIFT MT940 4 All changes effective August 27, 2007 * Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record. ** These codes have been updated as of 05/15/2007.

14 JPMorgan ACCESS, Direct Transmission, FirstCash, JPMorgan Chase Treasury Workstation, The One Connection Online, The One Net Information Reporting Continued 399 MISCELLANEOUS CREDIT 171 INDIVIDUAL LOAN DEPOSIT INDIV LOAN DEPOSIT 180 LDP 399 MISCELLANEOUS CREDIT 172 DEPOSIT CORRECTION DEPOSIT CORRECTION 170 CHK 399 MISCELLANEOUS CREDIT 172 DEPOSIT CORRECTION 170 CHK 399 MISCELLANEOUS CREDIT 175 CHECK DEPOSIT PACKAGE 170 CHK 399 MISCELLANEOUS CREDIT 195 INCOMING MONEY TRANSFER 190 TRF 399 MISCELLANEOUS CREDIT 213 LETTER OF CREDIT 215 MSC 399 MISCELLANEOUS CREDIT 214 FOREIGN EXCHANGE CREDIT 210 FEX 399 MISCELLANEOUS CREDIT 249 MISCELLANEOUS SECURITY CREDIT 230 SEC 399 MISCELLANEOUS CREDIT 252 DEBIT REVERSAL 251 MSC 399 MISCELLANEOUS CREDIT 275 ZBA CREDIT 270 MSC 399 MISCELLANEOUS CREDIT 277 CMA CREDIT TRANSFER 270 MSC 399 MISCELLANEOUS CREDIT 295 ATM CREDIT 390 MSC 399 MISCELLANEOUS CREDIT 354 INTEREST CREDIT RFND INT WTHHLD 390 MSC 399 MISCELLANEOUS CREDIT 354 INTEREST CREDIT 390 MSC 399 MISCELLANEOUS CREDIT 357 CREDIT ADJUSTMENT 356 MSC 399 MISCELLANEOUS CREDIT 372 BACK VALUE ADJUSTMENT 370 MSC 399 MISCELLANEOUS CREDIT 398 MISCELLANEOUS FEE REFUND SERVICE CHARGE REVERSAL 390 MSC 399 MISCELLANEOUS CREDIT 398 MISCELLANEOUS FEE REFUND 390 MSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT CREDIT MEMO 390 MSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT PHONE FUNDS XFER 390 MSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT REV ONLINE PMT 390 MSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT 390 MSC 466 ACH SETTLEMENT 466 ACH SETTLEMENT 450 MSC 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 467 MSC 469 MISCELLANEOUS ACH DEBIT 455 PREAUTHORIZED ACH DEBIT 450 STO 469 MISCELLANEOUS ACH DEBIT 699 MISCELLANEOUS DEBIT 690 MSC 474 CERTIFIED CHECK DEBIT 475 CHECK PAID 470 CHK 475 CHECK PAID 475 CHECK PAID 470 CHK 475 CHECK PAID 694 DEPOSIT REVERSAL 690 MSC 481 INDIVIDUAL LOAN PAYMENT 631 DEBIT ADJUSTMENT 630 MSC 481 INDIVIDUAL LOAN PAYMENT 699 MISCELLANEOUS DEBIT 690 MSC 489 CASH LETTER ADJUSTMENT 629 CASH CENTER DEBIT 628 MSC 495 OUTGOING MONEY TRANSFER 495 OUTGOING MONEY TRANSFER 490 TRF 495 OUTGOING MONEY TRANSFER 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 MSC 495 OUTGOING MONEY TRANSFER 699 MISCELLANEOUS DEBIT PHONE FUNDS XFER 690 MSC 495 OUTGOING MONEY TRANSFER 699 MISCELLANEOUS DEBIT 690 MSC 529 MISCELLANEOUS INTERNATIONAL DEBIT 475 CHECK PAID 470 CHK 529 MISCELLANEOUS INTERNATIONAL DEBIT 529 MISCELLANEOUS INTERNATIONAL DEBIT 510 MSC 529 MISCELLANEOUS INTERNATIONAL DEBIT 549 MISCELLANEOUS SECURITY DEBIT 530 SEC 529 MISCELLANEOUS INTERNATIONAL DEBIT 699 MISCELLANEOUS DEBIT 690 MSC 531 SECURITIES PURCHASED 549 MISCELLANEOUS SECURITY DEBIT 530 SEC 549 MISCELLANEOUS SECURITY DEBIT 549 MISCELLANEOUS SECURITY DEBIT 530 SEC 555 DEPOSITED ITEM RETURNED 555 DEPOSITED ITEM RETURNED 550 RTI 555 DEPOSITED ITEM RETURNED 631 DEBIT ADJUSTMENT 630 MSC 567 RETURN ITEM FEE 567 RETURN ITEM FEE 551 RTI 574 CUMULATIVE ZBA DEBITS 577 ZBA DEBIT TRANSFER 570 MSC 575 ZBA DEBIT 564 OVERDRAFT FEE 551 MSC 575 ZBA DEBIT 567 RETURN ITEM FEE 551 RTI SWIFT MT940 * Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record. JPMorgan Chase Treasury Services 5

15 JPMorgan ACCESS, Direct Transmission, FirstCash, JPMorgan Chase Treasury Workstation, The One Connection Online, The One Net Information Reporting Continued SWIFT MT ZBA DEBIT 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 MSC 575 ZBA DEBIT 698 MISCELLANEOUS FEES WIRE XFER FEE 690 MSC 575 ZBA DEBIT 699 MISCELLANEOUS DEBIT 690 MSC 577 ZBA DEBIT TRANSFER 577 ZBA DEBIT TRANSFER 570 MSC 631 DEBIT ADJUSTMENT 631 DEBIT ADJUSTMENT 630 MSC 631 DEBIT ADJUSTMENT 695 DEPOSIT CORRECTION DEBIT 690 MSC 631 DEBIT ADJUSTMENT 699 MISCELLANEOUS DEBIT 690 MSC 659 INTEREST ADJUSTMENT DEBIT 659 INTEREST ADJUSTMENT DEBIT INTEREST ADJUSTMENT DEBIT 655 MSC 659 INTEREST ADJUSTMENT DEBIT 659 INTEREST ADJUSTMENT DEBIT 655 MSC 666 CURRENCY AND COIN SHIPPED 666 CURRENCY AND COIN SHIPPED 628 MSC 698 MISCELLANEOUS FEES 567 RETURN ITEM FEE 551 RTI 698 MISCELLANEOUS FEES 631 DEBIT ADJUSTMENT 630 MSC 698 MISCELLANEOUS FEES 654 INTEREST DEBIT FED INT WTHHLD 690 MSC 698 MISCELLANEOUS FEES 659 INTEREST ADJUSTMENT DEBIT 655 MSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 MSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES WIRE XFER FEE 690 MSC 698 MISCELLANEOUS FEES 699 MISCELLANEOUS DEBIT 690 MSC 699 MISCELLANEOUS DEBIT 455 PREAUTHORIZED ACH DEBIT 450 STO 699 MISCELLANEOUS DEBIT 466 ACH SETTLEMENT 450 MSC 699 MISCELLANEOUS DEBIT 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 467 MSC 699 MISCELLANEOUS DEBIT 475 CHECK PAID 470 CHK 699 MISCELLANEOUS DEBIT 481 INDIVIDUAL LOAN PAYMENT INDIV LOAN PAYMENT 480 MSC 699 MISCELLANEOUS DEBIT 495 OUTGOING MONEY TRANSFER 490 TRF 699 MISCELLANEOUS DEBIT 513 LETTER OF CREDIT 515 DCR 699 MISCELLANEOUS DEBIT 514 FOREIGN EXCHANGE DEBIT 510 FEX 699 MISCELLANEOUS DEBIT 549 MISCELLANEOUS SECURITY DEBIT 530 SEC 699 MISCELLANEOUS DEBIT 555 DEPOSITED ITEM RETURNED 550 RTI 699 MISCELLANEOUS DEBIT 564 OVERDRAFT FEE 551 MSC 699 MISCELLANEOUS DEBIT 567 RETURN ITEM FEE 551 RTI 699 MISCELLANEOUS DEBIT 575 ZBA DEBIT 570 MSC 699 MISCELLANEOUS DEBIT 595 ATM DEBIT 690 MSC 699 MISCELLANEOUS DEBIT 631 DEBIT ADJUSTMENT 630 MSC 699 MISCELLANEOUS DEBIT 654 INTEREST DEBIT 690 MSC 699 MISCELLANEOUS DEBIT 672 BACK VALUE ADJUSTMENT 670 MSC 699 MISCELLANEOUS DEBIT 695 DEPOSIT CORRECTION DEBIT DEPOSIT CORRECTION 690 MSC 699 MISCELLANEOUS DEBIT 695 DEPOSIT CORRECTION DEBIT 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ATM INQUIRY FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ATM STMT FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ATM WTHDRWL FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES CARD FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES CHK PRINTING FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES SAFE DEP BOX FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES WIRE XFER FEE 690 MSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES 690 MSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT ONLINE PMT 690 MSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT PHONE FUNDS XFER 690 MSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT TRUST INT XFER 690 MSC 6 All changes effective August 27, 2007 * Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record.

16 JPMorgan ACCESS, Direct Transmission, FirstCash, JPMorgan Chase Treasury Workstation, The One Connection Online, The One Net Information Reporting Continued SWIFT MT MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT 690 MSC 118 LOCKBOX ADJUSTMENT CREDIT 110 LBX 171 INDIVIDUAL LOAN DEPOSIT 180 LDP 184 DRAFT DEPOSIT PAPER DRAFT CREDIT 170 MSC 187 CASH LETTER CREDIT CASH LETTER DEPOSIT 170 MSC 218 FOREIGN COLLECT CREDIT 210 MSC 222 FOREIGN CHECKS DEPOSITED 210 MSC 227 STANDING ORDER 190 MSC 254 POSTING ERROR CORRECTION CREDIT DEPOSIT ERROR CORRECTION INCREASE 250 MSC 255 CHECK POSTED AND RETURNED 250 RTI 268 RETURN ITEM ADJUSTMENT RETURN ITEM ADJUSTMENT CREDIT 250 RTI 268 RETURN ITEM ADJUSTMENT 250 RTI 295 ATM CREDIT ATM CASH DEPOSIT 390 MSC 295 ATM CREDIT ATM CHECK DEPOSIT 390 MSC 295 ATM CREDIT CARD PURCHASE RETURN 390 MSC 295 ATM CREDIT CARD PURCHASE REVERSAL 390 MSC 308 TRUST CREDIT 307 SEC 354 INTEREST CREDIT 355 MSC 394 CUMULATIVE CREDITS 390 MSC 395 CHECK REVERSAL 390 MSC 397 FLOAT ADJUSTMENT 390 MSC 398 MISCELLANEOUS FEE REFUND ATM SURCHARGE REFUND (OTHER BANKS FEE) 390 MSC 398 MISCELLANEOUS FEE REFUND CARD FEE REFUND 390 MSC 398 MISCELLANEOUS FEE REFUND FDIC FEE REFUND 390 MSC 398 MISCELLANEOUS FEE REFUND FEE REVERSAL 390 MSC 398 MISCELLANEOUS FEE REFUND NSF OD FEE REVERSAL 390 MSC 398 MISCELLANEOUS FEE REFUND OD FEE REVERSAL 390 MSC 398 MISCELLANEOUS FEE REFUND REFUND OVERDRAFT CHARGE 390 MSC 398 MISCELLANEOUS FEE REFUND REFUND RETURN CHARGE 390 MSC 398 MISCELLANEOUS FEE REFUND REV ASST TRAN FEE 390 MSC 398 MISCELLANEOUS FEE REFUND REV PREMIER ONE FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND ATM DEPOSIT FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND ATM INQUIRY FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND ATM STMT FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND ATM WTHDRWL FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND ATM XFER FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND EXT OD FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND FAVORPAK FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND LEGAL PROC FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND ODP FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND PHONE FUNDS FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND REQ STMT FEE 390 MSC 398 MISCELLANEOUS FEE REFUND RFND RTN CHECK FEE 390 MSC 399 MISCELLANEOUS CREDIT DEBIT CARD OVER THE COUNTER CASH ADVANCE REVERSAL 390 MSC 399 MISCELLANEOUS CREDIT OD XFER 390 MSC 399 MISCELLANEOUS CREDIT OVERDRAFT RESERVE ADVANCES 390 MSC 399 MISCELLANEOUS CREDIT OVERDRAFT RESERVE LOAN PYMNTS REVERSAL 390 MSC 399 MISCELLANEOUS CREDIT REV ODP XFER 390 MSC * Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record. JPMorgan Chase Treasury Services 7

17 JPMorgan ACCESS, Direct Transmission, FirstCash, JPMorgan Chase Treasury Workstation, The One Connection Online, The One Net Information Reporting Continued 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO AUTO LEASE 390 MSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO EQUITY LINE 390 MSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO INSTALLMENT LOAN 390 MSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO MORTGAGE 390 MSC 399 MISCELLANEOUS CREDIT TRANSFER FROM OTHER CHECKING 390 MSC 399 MISCELLANEOUS CREDIT TRANSFER FROM SAVINGS 390 MSC 399 MISCELLANEOUS CREDIT XFER FROM CR CARD 390 MSC 399 MISCELLANEOUS CREDIT ZBA CLOSING CREDIT 390 MSC 408 FLOAT ADJUSTMENT 400 MSC 415 LOCKBOX DEBIT 416 LBX 472 CUMULATIVE CHECKS PAID 470 MSC 474 CERTIFIED CHECK DEBIT 470 CHK 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO AUTO LEASE 480 MSC 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO EQUITY LINE 480 MSC 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO INSTALLMENT LOAN 480 MSC 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO MORTGAGE 480 MSC 481 INDIVIDUAL LOAN PAYMENT VRU LOAN PYMNT 480 MSC 481 INDIVIDUAL LOAN PAYMENT 480 MSC 487 CASH LETTER DEBIT CASH LETTER DEP REV 470 MSC 501 INDIVIDUAL AUTOMATIC TRANSFER DEBIT 690 MSC 512 LETTER OF CREDIT DEBIT 515 MSC 518 FOREIGN COLLECTION DEBIT 510 MSC 527 STANDING ORDER 490 MSC 552 CREDIT REVERSAL 551 MSC 554 POSTING ERROR CORRECTION DEBIT 551 MSC 564 OVERDRAFT FEE EXT OD FEE 551 MSC 581 INDIVIDUAL CONTROLLED DISBURSEMENT DEBIT 580 CHK 595 ATM DEBIT CARD PURCHASE WITH PIN 690 MSC 595 ATM DEBIT PURCHASE REVERSAL/RETURN 690 MSC 595 ATM DEBIT REVERSAL OF ATM CASH DEPOSIT 690 MSC 595 ATM DEBIT REVERSAL OF ATM CHECK DEPOSIT 690 MSC 633 TRUST DEBIT 632 MSC 695 DEPOSIT CORRECTION DEBIT DEPOSIT ERROR CORRECTION DECREASE 690 MSC 696 DEPOSIT CORRECTION DEBIT 690 MSC 697 CUMULATIVE DEBITS 690 MSC 698 MISCELLANEOUS FEES ACCOUNT CLOSING FEE 690 MSC 698 MISCELLANEOUS FEES ACCOUNT RECONCILIATION FEE 690 MSC 698 MISCELLANEOUS FEES ACCT RESEARCH FEE 690 MSC 698 MISCELLANEOUS FEES ADDTNL WTHDRWL FEE 690 MSC 698 MISCELLANEOUS FEES ASST TRAN FEE CHK 690 MSC 698 MISCELLANEOUS FEES ASST TRAN FEE DEP 690 MSC 698 MISCELLANEOUS FEES ASST TRAN FEE WDRL 690 MSC 698 MISCELLANEOUS FEES ASST TRAN FEE XFER 690 MSC 698 MISCELLANEOUS FEES ATM CARD REPLACEMENT FEE 690 MSC 698 MISCELLANEOUS FEES ATM DEPOSIT FEE 690 MSC 698 MISCELLANEOUS FEES ATM EMPTY ENV FEE 690 MSC 698 MISCELLANEOUS FEES ATM SURCHARGE REFUND REVERSAL (OTHER BANKS FEE) 690 MSC 698 MISCELLANEOUS FEES ATM XFER FEE 690 MSC SWIFT MT940 8 All changes effective August 27, 2007 * Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record.

18 JPMorgan ACCESS, Direct Transmission, FirstCash, JPMorgan Chase Treasury Workstation, The One Connection Online, The One Net Information Reporting Continued 698 MISCELLANEOUS FEES AUTO XFER FEE 690 MSC 698 MISCELLANEOUS FEES BRANCH DEPOSIT EXPRESS FEE 690 MSC 698 MISCELLANEOUS FEES CARD REPLACEMENT FEE 690 MSC 698 MISCELLANEOUS FEES CHECK COPY FEE 690 MSC 698 MISCELLANEOUS FEES CHECK VERIFY FEE 690 MSC 698 MISCELLANEOUS FEES CHK ENCLOSURE FEE 690 MSC 698 MISCELLANEOUS FEES CHK IMAGE FEE 690 MSC 698 MISCELLANEOUS FEES COUNTER CHECK FEE 690 MSC 698 MISCELLANEOUS FEES DEBIT CARD OVER THE COUNTER CASH ADVANCE FEE 690 MSC 698 MISCELLANEOUS FEES DEP PROC FEE 690 MSC 698 MISCELLANEOUS FEES DRAFT DEPOSIT FEE 690 MSC 698 MISCELLANEOUS FEES DUP STMT FEE 690 MSC 698 MISCELLANEOUS FEES FAVORPAK FEE 690 MSC 698 MISCELLANEOUS FEES FDIC FEE 690 MSC 698 MISCELLANEOUS FEES LEGAL PROCESS FEE 690 MSC 698 MISCELLANEOUS FEES MULTI SIGNATURE FEE 690 MSC 698 MISCELLANEOUS FEES ODP ANNUAL FEE 690 MSC 698 MISCELLANEOUS FEES ODP XFER FEE 690 MSC 698 MISCELLANEOUS FEES PHONE INQUIRY FEE 690 MSC 698 MISCELLANEOUS FEES PHONE XFER FEE 690 MSC 698 MISCELLANEOUS FEES PIN REPLACEMENT FEE 690 MSC 698 MISCELLANEOUS FEES PREMIER ONE FEE 690 MSC 698 MISCELLANEOUS FEES REGULATION-D FEE 690 MSC 698 MISCELLANEOUS FEES REPRESENT DI FEE 690 MSC 698 MISCELLANEOUS FEES REQ STMT FEE 690 MSC 698 MISCELLANEOUS FEES SNAPSHOT STMT FEE 690 MSC 698 MISCELLANEOUS FEES SPECIAL HANDLING STATEMENT FEE 690 MSC 698 MISCELLANEOUS FEES STOP PAYMENT FEE 690 MSC 698 MISCELLANEOUS FEES THE ONE CARD REPLACEMENT FEE 690 MSC 698 MISCELLANEOUS FEES UNCOLLECTED FUNDS RETURN ITEM FEE 690 MSC 698 MISCELLANEOUS DEBIT 690 MSC 699 MISCELLANEOUS DEBIT BANK CHARGE 690 MSC 699 MISCELLANEOUS DEBIT DEBIT CARD OVER THE COUNTER CASH ADVANCE 690 MSC 699 MISCELLANEOUS DEBIT MISCELLANEOUS CHARGE 690 MSC 699 MISCELLANEOUS DEBIT OD XFER 690 MSC 699 MISCELLANEOUS DEBIT ODP XFER 690 MSC 699 MISCELLANEOUS DEBIT OVERDRAFT RESERVE ADV REVERSAL 690 MSC 699 MISCELLANEOUS DEBIT OVERDRAFT RESERVE LOAN PAYMENTS 690 MSC 699 MISCELLANEOUS DEBIT REV XFER FROM CR CARD 690 MSC 699 MISCELLANEOUS DEBIT REV XFER FROM SAV 690 MSC 699 MISCELLANEOUS DEBIT TRANSFER TO ANOTHER CHECKING 690 MSC 699 MISCELLANEOUS DEBIT TRANSFER TO SAVINGS 690 MSC 699 MISCELLANEOUS DEBIT WITHDRAWAL 690 MSC 699 MISCELLANEOUS DEBIT ZBA CLOSING DEBIT 690 MSC SWIFT MT940 * Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record. JPMorgan Chase Treasury Services 9

19 TSLink Direct and Outgoing Data Exchange SWIFT MT LOCKBOX DEPOSIT 115 LOCKBOX DEPOSIT 110 NLBX 115 LOCKBOX DEPOSIT 399 MISCELLANEOUS CREDIT 390 NMSC 135 DTC CONCENTRATION CREDIT 135 DTC CONCENTRATION CREDIT 131 N DTC CONCENTRATION CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 165 PREAUTHORIZED ACH CREDIT 165 PREAUTHORIZED ACH CREDIT 140 NSTO 165 PREAUTHORIZED ACH CREDIT 166 ACH SETTLEMENT 167 NMSC 166 ACH SETTLEMENT 165 PREAUTHORIZED ACH CREDIT 140 NSTO 166 ACH SETTLEMENT 399 MISCELLANEOUS CREDIT 390 NMSC 168 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 166 ACH SETTLEMENT 167 NMSC 169 MISCELLANEOUS ACH CREDIT 165 PREAUTHORIZED ACH CREDIT 140 NSTO 169 MISCELLANEOUS ACH CREDIT 252 DEBIT REVERSAL 251 NMSC 169 MISCELLANEOUS ACH CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 171 INDIVIDUAL LOAN DEPOSIT 171 INDIVIDUAL LOAN DEPOSIT INDIV LOAN DEPOSIT 180 NLDP 171 INDIVIDUAL LOAN DEPOSIT 399 MISCELLANEOUS CREDIT 390 NMSC 172 DEPOSIT CORRECTION 172 DEPOSIT CORRECTION 170 NCHK 172 DEPOSIT CORRECTION 353 CASH CENTER CREDIT 352 NMSC 172 DEPOSIT CORRECTION 399 MISCELLANEOUS CREDIT 390 NMSC 174 OTHER DEPOSIT 174 OTHER DEPOSIT 170 NCHK 174 OTHER DEPOSIT 175 CHECK DEPOSIT PACKAGE 170 NCHK 174 OTHER DEPOSIT 366 CURRENCY AND COIN DEPOSITED 352 NMSC 174 OTHER DEPOSIT 399 MISCELLANEOUS CREDIT 390 NMSC 175 CHECK DEPOSIT PACKAGE 175 CHECK DEPOSIT PACKAGE 170 NCHK 175 CHECK DEPOSIT PACKAGE 399 MISCELLANEOUS CREDIT 390 NMSC 195 INCOMING MONEY TRANSFER 195 INCOMING MONEY TRANSFER 190 NTRF 195 INCOMING MONEY TRANSFER 295 ATM CREDIT 390 NMSC 195 INCOMING MONEY TRANSFER 399 MISCELLANEOUS CREDIT PHONE FUNDS XFER 390 NMSC 195 INCOMING MONEY TRANSFER 399 MISCELLANEOUS CREDIT 390 NMSC 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 195 INCOMING MONEY TRANSFER 190 NTRF 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 390 NMSC 201 INDIVIDUAL AUTOMATIC TRANSFER CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 202 BOND OPERATIONS CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 213 LETTER OF CREDIT 213 LETTER OF CREDIT 215 NMSC 214 FOREIGN EXCHANGE OF CREDIT 214 FOREIGN EXCHANGE CREDIT 210 NFEX 227 STANDING ORDER 399 MISCELLANEOUS CREDIT 390 NMSC 229 MISCELLANEOUS INTERNATIONAL CREDIT 229 MISCELLANEOUS INTERNATIONAL CREDIT 210 NMSC 229 MISCELLANEOUS INTERNATIONAL CREDIT 249 MISCELLANEOUS SECURITY CREDIT 230 NSEC 229 MISCELLANEOUS INTERNATIONAL CREDIT 354 INTEREST CREDIT 390 NMSC 229 MISCELLANEOUS INTERNATIONAL CREDIT 357 CREDIT ADJUSTMENT 356 NMSC 233 SECURITIES SOLD 249 MISCELLANEOUS SECURITY CREDIT 230 NSEC 237 INDIVIDUAL COLLECTION CREDIT 357 CREDIT ADJUSTMENT 356 NMSC 240 COUPON COLLECTIONS BANKS 399 MISCELLANEOUS CREDIT 390 NMSC 249 MISCELLANEOUS SECURITY CREDIT 249 MISCELLANEOUS SECURITY CREDIT 230 NSEC 249 MISCELLANEOUS SECURITY CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 252 DEBIT REVERSAL 175 CHECK DEPOSIT PACKAGE 170 NCHK 252 DEBIT REVERSAL 195 INCOMING MONEY TRANSFER 190 NTRF 252 DEBIT REVERSAL 252 DEBIT REVERSAL 251 NMSC 252 DEBIT REVERSAL 399 MISCELLANEOUS CREDIT 390 NMSC 266 RETURN ITEM 175 CHECK DEPOSIT PACKAGE 170 NCHK 18 All changes effective August 27, 2007 *Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record.

20 TSLink Direct and Outgoing Data Exchange Continued SWIFT MT RETURN ITEM 252 DEBIT REVERSAL 251 NMSC 266 RETURN ITEM 266 RETURN ITEM 260 NRTI 266 RETURN ITEM 399 MISCELLANEOUS CREDIT 390 NMSC 268 RETURN ITEM ADJUSTMENT 172 DEPOSIT CORRECTION 170 NCHK 275 ZBA CREDIT 275 ZBA CREDIT 270 NMSC 275 ZBA CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 277 ZBA CREDIT TRANSFER 277 CMA CREDIT TRANSFER 270 NMSC 295 ATM CREDIT 295 ATM CREDIT 390 NMSC 353 CASH CENTER CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 354 INTEREST CREDIT 354 INTEREST CREDIT 390 NMSC 354 INTEREST CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 357 CREDIT ADJUSTMENT 357 CREDIT ADJUSTMENT 356 NMSC 359 INTEREST ADJUSTMENT CREDIT 175 CHECK DEPOSIT PACKAGE 170 NCHK 359 INTEREST ADJUSTMENT CREDIT 254 POSTING ERROR CORRECTION CREDIT 250 NMSC 359 INTEREST ADJUSTMENT CREDIT 359 INTEREST ADJUSTMENT CREDIT INTEREST ADJUSTMENT CREDIT 390 NMSC 359 INTEREST ADJUSTMENT CREDIT 359 INTEREST ADJUSTMENT CREDIT 390 NMSC 366 CURRENCY AND COIN DEPOSITED 399 MISCELLANEOUS CREDIT 390 NMSC 398 MISCELLANEOUS FEE REFUND 295 ATM CREDIT 390 NMSC 398 MISCELLANEOUS FEE REFUND 398 MISCELLANEOUS FEE REFUND SERVICE CHARGE REVERSAL 390 NMSC 398 MISCELLANEOUS FEE REFUND 398 MISCELLANEOUS FEE REFUND 390 NMSC 399 MISCELLANEOUS CREDIT 165 PREAUTHORIZED ACH CREDIT 140 NSTO 399 MISCELLANEOUS CREDIT 171 INDIVIDUAL LOAN DEPOSIT INDIV LOAN DEPOSIT 180 NLDP 399 MISCELLANEOUS CREDIT 172 DEPOSIT CORRECTION DEPOSIT CORRECTION 170 NCHK 399 MISCELLANEOUS CREDIT 175 CHECK DEPOSIT PACKAGE 170 NCHK 399 MISCELLANEOUS CREDIT 195 INCOMING MONEY TRANSFER 190 NTRF 399 MISCELLANEOUS CREDIT 213 LETTER OF CREDIT 215 NMSC 399 MISCELLANEOUS CREDIT 249 MISCELLANEOUS SECURITY CREDIT 230 NSEC 399 MISCELLANEOUS CREDIT 275 ZBA CREDIT 270 NMSC 399 MISCELLANEOUS CREDIT 277 CMA CREDIT TRANSFER 270 NMSC 399 MISCELLANEOUS CREDIT 295 ATM CREDIT 390 NMSC 399 MISCELLANEOUS CREDIT 354 INTEREST CREDIT RFND INT WTHHLD 390 NMSC 399 MISCELLANEOUS CREDIT 354 INTEREST CREDIT 390 NMSC 399 MISCELLANEOUS CREDIT 359 INTEREST ADJUSTMENT CREDIT 390 NMSC 399 MISCELLANEOUS CREDIT 372 BACK VALUE ADJUSTMENT 370 NMSC 399 MISCELLANEOUS CREDIT 398 MISCELLANEOUS FEE REFUND SERVICE CHARGE REVERSAL 390 NMSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT CREDIT MEMO 390 NMSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT PHONE FUNDS XFER 390 NMSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT REV ONLINE PMT 390 NMSC 399 MISCELLANEOUS CREDIT 399 MISCELLANEOUS CREDIT 390 NMSC 447 ACH DISBURSEMENT FUNDING DEBIT 577 ZBA DEBIT TRANSFER 570 NMSC 452 ITEM IN ACH DISBURSEMENT OR DEBIT 577 ZBA DEBIT TRANSFER 570 NMSC 455 PREAUTHORIZED ACH DEBIT 455 PREAUTHORIZED ACH DEBIT 450 NSTO 466 ACH SETTLEMENT 466 ACH SETTLEMENT 450 NMSC 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 468 ACH RETURN ITEM OR ADJUSTMENT SETTLEMENT 467 NMSC 469 MISCELLANEOUS ACH DEBIT 455 PREAUTHORIZED ACH DEBIT 450 NSTO 469 MISCELLANEOUS ACH DEBIT 475 CHECK PAID 470 NCHK 469 MISCELLANEOUS ACH DEBIT 699 MISCELLANEOUS DEBIT 690 NMSC 474 CERTIFIED CHECK DEBIT 475 CHECK PAID 470 NCHK *Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record. JPMorgan Chase Treasury Services 19

21 TSLink Direct and Outgoing Data Exchange Continued 475 CHECK PAID 475 CHECK PAID 470 NCHK 475 CHECK PAID 631 DEBIT ADJUSTMENT 630 NMSC 475 CHECK PAID 694 DEPOSIT REVERSAL 690 NMSC 475 CHECK PAID 699 MISCELLANEOUS DEBIT 690 NMSC 481 INDIVIDUAL LOAN PAYMENT 481 INDIVIDUAL LOAN PAYMENT INDIV LOAN PAYMENT 480 NMSC 481 INDIVIDUAL LOAN PAYMENT 631 DEBIT ADJUSTMENT 630 NMSC 481 INDIVIDUAL LOAN PAYMENT 699 MISCELLANEOUS DEBIT 690 NMSC 489 CASH LETTER ADJUSTMENT 629 CASH CENTER DEBIT 628 NMSC 495 OUTGOING MONEY TRANSFER 495 OUTGOING MONEY TRANSFER 490 NTRF 495 OUTGOING MONEY TRANSFER 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 NMSC 495 OUTGOING MONEY TRANSFER 699 MISCELLANEOUS DEBIT PHONE FUNDS XFER 690 NMSC 495 OUTGOING MONEY TRANSFER 699 MISCELLANEOUS DEBIT 690 NMSC 502 BOND OPERATIONS DEBIT 699 MISCELLANEOUS DEBIT 690 NMSC 512 LETTER OF CREDIT DEBIT 699 MISCELLANEOUS DEBIT 690 NMSC 514 FOREIGN EXCHANGE DEBIT 514 FOREIGN EXCHANGE DEBIT 510 NFEX 531 SECURITIES PURCHASED 549 MISCELLANEOUS SECURITY DEBIT 530 NSEC 549 MISCELLANEOUS SECURITY DEBIT 549 MISCELLANEOUS SECURITY DEBIT 530 NSEC 552 CREDIT REVERSAL 631 DEBIT ADJUSTMENT 630 NMSC 552 CREDIT REVERSAL 699 MISCELLANEOUS DEBIT 690 NMSC 555 DEPOSITED ITEM RETURNED 555 DEPOSITED ITEM RETURNED 550 NRTI 555 DEPOSITED ITEM RETURNED 631 DEBIT ADJUSTMENT 630 NMSC 564 OVERDRAFT FEE 564 OVERDRAFT FEE 551 NMSC 567 RETURN ITEM FEE 567 RETURN ITEM FEE 551 NRTI 575 ZBA DEBIT 575 ZBA DEBIT 570 NMSC 575 ZBA DEBIT 699 MISCELLANEOUS DEBIT 690 NMSC 595 ATM DEBIT 595 ATM DEBIT 690 NMSC 629 CASH CENTER DEBIT 699 MISCELLANEOUS DEBIT 690 NMSC 631 DEBIT ADJUSTMENT 631 DEBIT ADJUSTMENT 630 NMSC 631 DEBIT ADJUSTMENT 695 DEPOSIT CORRECTION DEBIT 690 NMSC 631 DEBIT ADJUSTMENT 699 MISCELLANEOUS DEBIT 690 NMSC 659 INTEREST ADJUSTMENT DEBIT 659 INTEREST ADJUSTMENT DEBIT INTEREST ADJUSTMENT DEBIT 655 NMSC 659 INTEREST ADJUSTMENT DEBIT 659 INTEREST ADJUSTMENT DEBIT 655 NMSC 666 CURRENCY AND COIN SHIPPED 666 CURRENCY AND COIN SHIPPED 628 NMSC 666 CURRENCY AND COIN SHIPPED 699 MISCELLANEOUS DEBIT 690 NMSC 698 MISCELLANEOUS FEES 567 RETURN ITEM FEE 551 NRTI 698 MISCELLANEOUS FEES 631 DEBIT ADJUSTMENT 630 NMSC 698 MISCELLANEOUS FEES 654 INTEREST DEBIT FED INT WTHHLD 690 NMSC 698 MISCELLANEOUS FEES 659 INTEREST ADJUSTMENT DEBIT 655 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES ATM INQUIRY FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES ATM WTHDRWL FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES CARD FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES CHK PRINTING FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES SAFE DEP BOX FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES WIRE XFER FEE 690 NMSC 698 MISCELLANEOUS FEES 698 MISCELLANEOUS FEES 690 NMSC 698 MISCELLANEOUS FEES 699 MISCELLANEOUS DEBIT 690 NMSC 699 MISCELLANEOUS DEBIT 455 PREAUTHORIZED ACH DEBIT 450 NSTO SWIFT MT All changes effective August 27, 2007 *Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record.

22 TSLink Direct and Outgoing Data Exchange Continued 699 MISCELLANEOUS DEBIT 475 CHECK PAID 470 NCHK 699 MISCELLANEOUS DEBIT 495 OUTGOING MONEY TRANSFER 490 NTRF 699 MISCELLANEOUS DEBIT 513 LETTER OF CREDIT 515 NDCR 699 MISCELLANEOUS DEBIT 549 MISCELLANEOUS SECURITY DEBIT 530 NSEC 699 MISCELLANEOUS DEBIT 555 DEPOSITED ITEM RETURNED 550 NRTI 699 MISCELLANEOUS DEBIT 564 OVERDRAFT FEE 551 NMSC 699 MISCELLANEOUS DEBIT 567 RETURN ITEM FEE 551 NRTI 699 MISCELLANEOUS DEBIT 575 ZBA DEBIT 570 NMSC 699 MISCELLANEOUS DEBIT 595 ATM DEBIT 690 NMSC 699 MISCELLANEOUS DEBIT 631 DEBIT ADJUSTMENT 630 NMSC 699 MISCELLANEOUS DEBIT 654 INTEREST DEBIT 690 NMSC 699 MISCELLANEOUS DEBIT 672 BACK VALUE ADJUSTMENT 670 NMSC 699 MISCELLANEOUS DEBIT 695 DEPOSIT CORRECTION DEBIT DEPOSIT CORRECTION 690 NMSC 699 MISCELLANEOUS DEBIT 695 DEPOSIT CORRECTION DEBIT 690 NMSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ACCT SERVICE FEE 690 NMSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ATM STMT FEE 690 NMSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES ATM WTHDRWL FEE 690 NMSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES CHK PRINTING FEE 690 NMSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES WIRE XFER FEE 690 NMSC 699 MISCELLANEOUS DEBIT 698 MISCELLANEOUS FEES 690 NMSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT ONLINE PMT 690 NMSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT PHONE FUNDS XFER 690 NMSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT TRUST INT XFER 690 NMSC 699 MISCELLANEOUS DEBIT 699 MISCELLANEOUS DEBIT 690 NMSC 118 LOCKBOX ADJUSTMENT CREDIT 110 NLBX 171 INDIVIDUAL LOAN DEPOSIT 180 NLDP 184 DRAFT DEPOSIT PAPER DRAFT CREDIT 170 NMSC 187 CASH LETTER CREDIT CASH LETTER DEPOSIT 170 NMSC 218 FOREIGN COLLECT CREDIT 210 NMSC 222 FOREIGN CHECKS DEPOSITED 210 NMSC 227 STANDING ORDER 190 NMSC 254 POSTING ERROR CORRECTION CREDIT DEPOSIT ERROR CORRECTION INCREASE 250 NMSC 255 CHECK POSTED AND RETURNED 250 NRTI 268 RETURN ITEM ADJUSTMENT RETURN ITEM ADJUSTMENT CREDIT 250 NRTI 295 ATM CREDIT ATM CASH DEPOSIT 390 NMSC 295 ATM CREDIT ATM CHECK DEPOSIT 390 NMSC 295 ATM CREDIT CARD PURCHASE RETURN 390 NMSC 295 ATM CREDIT CARD PURCHASE REVERSAL 390 NMSC 308 TRUST CREDIT 307 NSEC 354 INTEREST CREDIT 355 NMSC 394 CUMULATIVE CREDITS 390 NMSC 395 CHECK REVERSAL 390 NMSC 397 FLOAT ADJUSTMENT 390 NMSC 398 MISCELLANEOUS FEE REFUND ATM SURCHARGE REFUND (OTHER BANKS FEE) 390 NMSC SWIFT MT MISCELLANEOUS FEE REFUND CARD FEE REFUND 390 NMSC 398 MISCELLANEOUS FEE REFUND FDIC FEE REFUND 390 NMSC 398 MISCELLANEOUS FEE REFUND FEE REVERSAL 390 NMSC 398 MISCELLANEOUS FEE REFUND NSF OD FEE REVERSAL 390 NMSC *Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record. JPMorgan Chase Treasury Services 21

23 TSLink Direct and Outgoing Data Exchange Continued SWIFT MT MISCELLANEOUS FEE REFUND OD FEE REVERSAL 390 NMSC 398 MISCELLANEOUS FEE REFUND REFUND OVERDRAFT CHARGE 390 NMSC 398 MISCELLANEOUS FEE REFUND REFUND RETURN CHARGE 390 NMSC 398 MISCELLANEOUS FEE REFUND REV ASST TRAN FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND REV PREMIER ONE FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ATM DEPOSIT FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ATM INQUIRY FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ATM STMT FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ATM WTHDRWL FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ATM XFER FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND EXT OD FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND FAVORPAK FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND LEGAL PROC FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ODP FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND ODP XFER FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND PHONE FUNDS FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND REQ STMT FEE 390 NMSC 398 MISCELLANEOUS FEE REFUND RFND RTN CHECK FEE 390 NMSC 399 MISCELLANEOUS CREDIT DEBIT CARD OVER THE COUNTER CASH ADVANCE REVERSAL 390 NMSC 399 MISCELLANEOUS CREDIT OD XFER 390 NMSC 399 MISCELLANEOUS CREDIT OVERDRAFT RESERVE ADVANCES 390 NMSC 399 MISCELLANEOUS CREDIT OVERDRAFT RESERVE LOAN PYMNTS REVERSAL 390 NMSC 399 MISCELLANEOUS CREDIT REV ODP XFER 390 NMSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO AUTO LEASE 390 NMSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO EQUITY LINE 390 NMSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO INSTALLMENT LOAN 390 NMSC 399 MISCELLANEOUS CREDIT REVERSAL OF ATM PAYMENT TO MORTGAGE 390 NMSC 399 MISCELLANEOUS CREDIT TRANSFER FROM OTHER CHECKING 390 NMSC 399 MISCELLANEOUS CREDIT TRANSFER FROM SAVINGS 390 NMSC 399 MISCELLANEOUS CREDIT XFER FROM CR CARD 390 NMSC 399 MISCELLANEOUS CREDIT ZBA CLOSING CREDIT 390 NMSC 408 FLOAT ADJUSTMENT 400 NMSC 415 LOCKBOX DEBIT 416 NLBX 472 CUMULATIVE CHECKS PAID 470 NMSC 474 CERTIFIED CHECK DEBIT 470 NCHK 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO AUTO LEASE 480 NMSC 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO EQUITY LINE 480 NMSC 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO INSTALLMENT LOAN 480 NMSC 481 INDIVIDUAL LOAN PAYMENT ATM PAYMENT TO MORTGAGE 480 NMSC 481 INDIVIDUAL LOAN PAYMENT VRU LOAN PYMNT 480 NMSC 481 INDIVIDUAL LOAN PAYMENT 480 NMSC 487 CASH LETTER DEBIT CASH LETTER DEP REV 470 NMSC 501 INDIVIDUAL AUTOMATIC TRANSFER DEBIT 690 NMSC 512 LETTER OF CREDIT DEBIT 515 NMSC 518 FOREIGN COLLECTION DEBIT 510 NMSC 527 STANDING ORDER 490 NMSC 529 MISCELLANEOUS INTERNATIONAL DEBIT 510 NMSC 552 CREDIT REVERSAL 551 NMSC 22 All changes effective August 27, 2007 *Note: The transaction descriptions where noted in the Special Text column will appear in the data either in the text field of the 16 Detail Record or its related 88 Continuation Record.