November 15, 2004

JPMorgan Chase & Co. completes merger of its lead banks
Merged bank is JPMorgan Chase Bank, National Association

November 15, 2004--JPMorgan Chase & Co. (NYSE: JPM) announced that the merger of JPMorgan Chase Bank, Bank One, N.A., Chicago, Illinois, and Bank One, N.A., Columbus, Ohio became effective November 13, 2004. Immediately prior to the merger, JPMorgan Chase Bank converted its charter to a national bank. The name of the merged bank is JPMorgan Chase Bank, National Association. The bank, with assets of approximately $945 billion, will operate across both the retail and wholesale businesses.

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $1.1 trillion and operations in more than 50 countries. The firm is a leader in investment banking, financial services for consumers and businesses, financial transaction processing, asset and wealth management, and private equity. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. has its corporate headquarters in New York and its U.S. retail financial services and commercial banking headquarters in Chicago. Under the JPMorgan, Chase and Bank One brands, the firm serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients. Information about the firm is available at www.jpmorganchase.com.


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