Appendix E — Predecessor Employers


If you were an employee that was part of a corporate transaction...	And were employed by JPMorgan Chase on this date...	You receive eligibility and vesting service from this date...	And receive pay credit service from this date...
Accenture¹	January 1, 2006	Original date of hire	January 1, 2006
Advanta Services	March 1, 2001	Original date of hire	March 1, 2001
Advantage²	October 16, 2006	Original date of hire	October 16, 2006
American Residential	September 8, 1994	Original date of hire	January 1, 1995
Ameritrust Texas Corporation, Ameritrust Texas Financial Corporation, or Ameritrust Texas National Association	September 16, 1993	Original date of hire	September 16, 1993
ANZ (Australia and New Zealand Group, LTD.)	September 19, 2000	Original date of hire	September 19, 2000
Apex Property Exchange	April 24, 2002	Original date of hire	April 24, 2002
AT&T³	May 1, 1998 or August 1, 2002	Original date of hire	May 1, 1998 or August 1, 2002 (Dependent on date of acquisition)
Bank Mark	December 20, 1995	Original date of hire	December 20, 1995
Bank of New York	February 1, 1998, October 2, 2006, March 24, 2007, or March 31, 2007	Original date of hire	February 1, 1998, October 1, 2006, March 24, 2007, or March 31, 2007 (Dependent on date of acquisition)
Bank One	January 1, 2002 or November 19, 2003	Original date of hire	Pay credit service through December 31, 2004: January 1, 2002 or November 19, 2003 (Dependent on date of acquisition). Pay credit service on and after January 1, 2005: Original date of hire
Bankers Trust	October 20, 1980	Original date of hire	Original date of hire
Beacon Group, LLC	August 1, 2000	Original date of hire	August 1, 2000
BHCM Insurance Agency, Inc.	August 26, 1996	Original date of hire	August 26, 1996
Bisys	June 1, 2001	Original date of hire	June 1, 2001
Brown and Company (renamed J.P. Morgan Invest, LLC as of April 28, 2003)	January 1, 2001	Original date of hire	January 1, 1984 or date of hire, if later
CCA Strategies	October 1, 2006	Original date of hire	Original date of hire
Centrust	November 18, 1991	November 18, 1991	November 18, 1991
Chase Access	August 9, 1991	Original date of hire	August 9, 1991
Chase Aircraft Finance Group	May 15, 1985	May 15, 1985	May 15, 1985
Chase Bank of Arizona	October 2, 1986	Later of original date of hire or January 1, 1978	October 2, 1986
Chase Bank of Florida	February 14, 1986	February 14, 1986	February 14, 1986
Chase Bank of Maryland	November 1, 1985	Original date of hire but not before October 1, 1975 for former Merritt employees; November 1, 1984 for former Chesapeake employees; and November 1, 1985 for all other employees (including employees of Friendship)	November 1, 1985
Chase Bank of Ohio	June 11, 1985	Original date of hire but not before January 1, 1963 for former Tri-State employees; January 1, 1977 for former Mentor employees; or June 11, 1985 for all other employees	June 11, 1985
Chase Lincoln First Bank	July 31, 1984	Original date of hire	Original date of hire
Chubb PLI	September 16, 1998	Original date of hire	September 16, 1998
The CIT Group	May 1, 1984	Original date of hire	Original date of hire
Citigroup	January 6, 2004	Original date of hire	January 6, 2004
Cititrust	August 9, 1991	August 9, 1991	August 9, 1991
Citizens Financial Group	April 5, 2003	Original date of hire	April 5, 2003
The Clark Equipment Credit Corporation	March 10, 1987	Original date of hire	Original date of hire
Clearwater Servicing	August 1, 1994	August 1, 1994	August 1, 1994
Collegiate Funding Services (CFS)	March 1, 2006	Original date of hire	March 1, 2006
Colson Services	February 22, 2001	Original date of hire	February 22, 2001
Compass Bank	June 20, 1997	Original date of hire	June 20, 1997
Computer Services Corp (CSC)⁴	April 1, 2003 or June 1, 2005	Original date of hire	April 1, 2003 or June 1, 2005 (Dependent on date of acquisition)
Continental Bank and Trust	October 2, 1986	Later of original date of hire or January 1, 1978	October 2, 1986
Cullen/Frost	April 15, 1994	Original date of hire	April 15, 1994
DCS	April 21, 1999	Original date of hire	April 21, 1999
Dollar Dry Dock	July 14, 1986 or December 7, 1990	Original date of hire with Dry Dock (if you were part of 1986 acquisition) or December 7, 1990 (if you were part of December 7, 1990 acquisition)	July 14, 1986 or December 7, 1990 (Dependent on date of acquisition)
Dreyfus	July 1, 2002	Original date of hire	July 1, 2002
DRKW	January 1, 2003	Original date of hire	January 1, 2003
Fairfield County Trust	April 9, 1992	April 9, 1992	April 9, 1992
Financial Computer Software	December 10, 2003	Original date of hire	December 10, 2003
First City	February 13, 1993 or February 24, 1993	February 13, 1993 or February 24, 1993 (Dependent on date of acquisition)	February 13, 1993 or February 24, 1993 (Dependent on date of acquisition)
First Tennessee National Corp.	October 23, 2000	Original date of hire	October 23, 2000
First Town Mortgage Corp.	April 1, 1999 or May 3, 1999	Original date of hire	April 1, 1999 or May 3, 1999 (Dependent on date of acquisition)
First USA/Paymentech	April 1, 2001	Original date of hire	April 1, 1999
FisaCure	January 16, 2007	Original date of hire	January 16, 2007
FiServ⁵	December 1996 through mid-1998, or March 16, 2007	Original date of hire	Original date of hire if part of December 1996 through mid-1998 acquisition; otherwise, March 16, 2007
Flatiron	June 1, 2001	Original date of hire	June 1, 2001
Flemings (Robert Holdings, Ltd.)	August 1, 2000	Original date of hire	Original date of hire
Freedom Mortgage	June 1, 1987	Original date of hire	June 1, 1987
Goldome	November 13, 1989 or May 28, 1991	Original date of hire	November 13, 1989 or May 28, 1991 (Dependent on date of acquisition)
Hambrecht & Quist	December 9, 1999	Original date of hire	December 9, 1999
Horizon	June 1, 1989	Original date of hire	Original date of hire
IBM⁶	January 1, 2005	Original date of hire	Original date of hire
Intelenet⁷	October 1, 2004	Original date of hire	Original date of hire
Jet Aviation	April 1, 2005	Original date of hire	April 1, 2005
JPMorgan/American Century Retirement Plan Services	June 1, 2003	Original date of hire	Original date of hire
JPMorgan Mortgage Capital, Inc.	January 1, 2006	Original date of hire	Original date of hire
J.P. Morgan Paying Agency	September 1, 1995	Original date of hire	Original date of hire
Lewco	January 1, 2002	Original date of hire	Original date of hire
Liberty Securities	August 1, 1994	Original date of hire	August 1, 1994
Lionel D. Edie	January 1, 1979	Original date of hire	January 1, 1979
Lyon's Mortgage	November 2, 1987	Original date of hire	November 2, 1987
Margaretten	July 1, 1994	Original date of hire	Original date of hire
Mechanics and Farmers	August 9, 1991	August 9, 1991	August 9, 1991
Mellon Bank	November 24, 1997 or October 1, 1998	Original date of hire	November 24, 1997 or October 1, 1998 (Dependent on date of acquisition)
Meritor Credit Card	February 17, 1989	February 17, 1989	February 17, 1989
Morgan Stanley Dean Witter	October 1, 1998	Original date of hire	October 1, 1998
National Bank of Westchester	July 31, 1984	Original date of hire	Original date of hire
Neovest Holdings, Inc.	September 1, 2005	Original date of hire	September 1, 2005
Ord Minnett	August 23, 2000	Original date of hire	Original date of hire
Pacholder Associates	March 1, 2005	Original date of hire	March 1, 2005
Paloma Partners, Inc.	March 1, 2006	Original date of hire	March 1, 2006
Park Bank	February 14, 1986	February 14, 1986	February 14, 1986
Payment Technologies, Inc.	May 17, 2005	Original date of hire	May 17, 2005
Plexus	September 3, 2002	Original date of hire	September 3, 2002
PNC Bank	December 1, 1998	Original date of hire	December 1, 1998
Prudential Real Estate (Home Loan Group)	October 1, 2003	Original date of hire	October 1, 2003
Regulus	January 1, 2006	Original date of hire	January 1, 2006
RRZ	March 1, 2003	Original date of hire	March 1, 2003
Seamen's Bank for Savings	April 19, 1990	April 19, 1990	April 19, 1990
Security National Bank	January 1971	Original date of hire	Original date of hire
SymPro	August 20, 2003	Original date of hire	August 20, 2003
Systems and Services Tech	April 1, 2002	Original date of hire	April 1, 2002
Texas Commerce Bank	December 31, 1987	Original date of hire	Original date of hire
Third Century Leasing	February 6, 1986	February 6, 1986	February 6, 1986
Tranaut	September 1, 2004	Original date of hire	September 1, 2004
TransAmerica	October 8, 1998	Original date of hire	October 8, 1998
Troy & Nichols, Inc.	July 1, 1993	Original date of hire	Original date of hire
Unicorn Financial Services, Inc.	August 31, 2007	Original date of hire	August 31, 2007
Union Acceptance	May 1, 2003	Original date of hire	May 1, 2003
United Bank	September 24, 1990	September 24, 1990	Original date of hire
U.S. Trust Company	October 18, 1994 or September 2, 1995	Original date of hire	Original date of hire
Vastera, Inc.	May 1, 2005	Original date of hire	May 1, 2005
Verizon⁸	December 2, 2002	Original date of hire	December 2, 2002
Wells Fargo	February 1, 1984	Original date of hire	Original date of hire
Western and Southern Financial Group — Integrated Investment Services	April 1, 2007	Original date of hire	April 1, 2007
Xign Corporation	May 16, 2007	Original date of hire	May 16, 2007

¹ Participants who had previous service with heritage Morgan and were part of an outsourcing to Accenture on July 16, 1996 may receive vesting, eligibility, and pay credit service for their heritage Morgan service and Accenture service from July 17, 1996 through December 31, 2005 upon their rehire at JPMorgan Chase on January 1, 2006. Also, for such individuals, Accenture service will be recognized for purposes of determining early retirement benefits under the heritage Morgan final average pay formula, if applicable.

Participants who had previous service with heritage JPMorgan Chase and were part of an outsourcing to Accenture on July 15, 2003 may receive vesting, eligibility, and pay credit service for their heritage JPMorgan Chase service and Accenture service from July 16, 2003 through December 31, 2005 upon their rehire at JPMorgan Chase on January 1, 2006. Also, for such individuals, Accenture service will be recognized for purposes of determining early retirement benefits under the heritage JPMorgan Chase final average pay formula, if applicable.

² Those participants who had previous service with heritage JPMorgan Chase and were part of an outsourcing to Advantage on December 30, 2003 or April 24, 2006 (depending upon date of outsourcing) may receive vesting, eligibility, and pay credit service for their heritage JPMorgan Chase service and Advantage service from December 31, 2003 or April 25, 2006 through October 15, 2006 upon their rehire at JPMorgan Chase on October 16, 2006.

³ Participants who had previous service with heritage Chase and were part of the divestiture to AT&T as of May 15, 1994 may receive vesting, eligibility, and pay credit service for their heritage Chase service and AT&T service from May 15, 1994 through April 30, 1998 upon their rehire at JPMorgan Chase on May 1, 1998. Also, for such individuals, AT&T service will be recognized for purposes of determining early retirement benefits under the heritage Chase grandfathered formula(s), if eligible. If you were part of another transaction involving this company, you may want to separately review the roles pertaining to that particular transaction for further information.

Participants who had previous service with heritage Morgan and were part of the outsourcing arrangements with AT&T as of July 16, 1996 may receive pay credit service for their heritage Morgan service and AT&T service from July 17, 1996 through July 31, 2002 upon their rehire at JPMorgan Chase on August 1, 2002. Also, for such individuals, AT&T service will be recognized for purposes of determining early retirement benefits under the heritage Morgan final average pay formula, if applicable. If you were part of another transaction involving this company, you may want to separately review the rules pertaining to that particular transaction for further information.

⁴ Participants who had previous service with heritage Morgan and were part of an outsourcing to CSC or Verizon on July 16, 1996 may receive vesting, eligibility, and pay credit service for their heritage Morgan service and CSC and Verizon service from July 17, 1996 through March 31, 2003 or May 31, 2005 upon their rehire at JPMorgan Chase on April 1, 2003 or June 1, 2005. Also, for such individuals, CSC and Verizon service will be recognized for purposes of determining early retirement benefits under the heritage Morgan final average pay formula, if applicable.

Participants who had previous service with heritage JPMorgan Chase and were part of the outsourcing to CSC on January 18, 2003 may receive pay credit service for their heritage JPMorgan Chase service and CSC service from January 19, 2003 through May 31, 2005 upon their rehire at JPMorgan Chase on June 1, 2005. Also, for such individuals, CSC service will be recognized for purposes of determining early retirement benefits under the heritage Morgan final average pay formula, if applicable.

If you were part of another transaction involving this company, you may want to separately review the rules pertaining to that particular transaction for further information.

⁵ Participants who had previous service with heritage Chase and were part of the original divestiture to FiServ as of March 31, 1995 may receive vesting, eligibility, and pay credit service for their heritage Chase service and FiServ service from April 1, 1995 through their rehire date between December 1996 through mid-1998 at JPMorgan Chase. Also, for such individuals, FiServ service will be recognized for purposes of determining early retirement benefits under the heritage Chase grandfathered formula(s), if eligible.

Participants who had previous service with heritage Chase and were part of the original divestiture to FiServ as of March 31, 1995 may receive vesting, eligibility, but not pay credit service for their heritage Chase service and FiServ service from April 1, 1995 through March 15, 2007 upon their rehire on March 16, 2007 at JPMorgan Chase. Also, for such individuals, FiServ service will not be recognized for purposes of determining early retirement benefits under the heritage Chase grandfathered formula(s), if eligible.

⁶ Participants who had previous service with heritage JPMorgan Chase and were part of the divestiture to IBM on March 31, 2003 may receive vesting, eligibility, and pay credit service for their heritage JPMorgan Chase service and IBM service from April 1, 2003 through December 31, 2004 upon their rehire at JPMorgan Chase on January 1, 2005.

Participants who had previous service with heritage Morgan and were part of an outsourcing to AT&T, CSC, or Verizon on July 16, 1996 and transitioned to IBM on March 31, 2003 may receive vesting, eligibility, and pay credit service for their heritage JPMorgan service prior to July 17, 1996 and for their IBM service from April 1, 2003 through December 31, 2004 upon their rehire at JPMorgan Chase on January 1, 2005, but will not receive credit for service for any purposes for the period July 17, 1996 through March 31, 2003.

⁷ Participants who had previous service with heritage JPMorgan Chase and were part of the divestiture to Intelenet on February 15, 2004 may receive vesting, eligibility, and pay credit service for their heritage JPMorgan Chase service and Intelenet service from February 16, 2004 through September 30, 2004 upon their rehire at JPMorgan Chase on October 1, 2004.

⁸ Participants who had previous service with heritage Morgan and were part of the outsourcing arrangements with Verizon, may receive vesting, eligibility, and pay credit service for their heritage Morgan service and Verizon service from July 17, 1996 through December 1, 2002 upon their rehire at JPMorgan Chase on December 2, 2002. Also, for such individuals, Verizon service will be recognized for purposes of determining early retirement benefits under the heritage Morgan final average pay formula. If you were part of another transaction involving this company, you may want to separately review the rules pertaining to that particular transaction for further information.