JPMorgan Chase International Council

Hon. George P. Shultz Xiqing Gao Kai-Uwe Ricke Douglas A. Warner III Chairman of the Council Vice Chairman Chairman of the Board of Former Chairman of the Board Distinguished Fellow National Council for Social Management J.P. Morgan Chase & Co. Hoover Institution Security Fund Deutsche Telekom AG , New York Stanford University Beijing, The People’s Republic Bonn, Germany Ernesto Zedillo Stanford, California of China Sir John Rose Director Franz B. Humer Chief Executive Yale Center for the Study Riley P. Bechtel Chairman and Chief Executive Officer Rolls-Royce plc of Globalization Chairman and Chief Executive Officer Roche Holding Ltd. , United Kingdom New Haven, Connecticut Bechtel Group, Inc. Basel, Switzerland Sexwale Jaime Augusto Zobel de Ayala San Francisco, California Abdallah S. Jum’ah Executive Chairman President Jean-Louis Beffa President and Chief Executive Officer Mvelaphanda Holdings Ltd Ayala Corporation Chairman and Chief Executive Officer Saudi Arabian Oil Company Johannesburg, South Africa Makati City, Philippines Compagnie de Saint-Gobain Dhahran, Saudi Arabia Walter V. Shipley Paris-La Défense, France Hon. Henry A. Kissinger Former Chairman of the Board Ex-Officio Members Hon. Bill Bradley Chairman The Chase Manhattan Corporation Former U.S. Senator Kissinger Associates, Inc. New York, New York William B. Harrison, Jr. Allen & Company New York, New York Chairman of the Board Jess Søderberg New York, New York JPMorgan Chase & Co. Mustafa V. Koç Partner and Chief Executive Officer New York, New York Michael A. Chaney Chairman of the A.P. Møller-Maersk Group Chairman Koç Holding A.S.Ç Copenhagen, Denmark James Dimon National Australia Bank Limited Istanbul, Turkey Chief Executive Officer William S. Stavropoulos Perth, Australia JPMorgan Chase & Co. Hon. Lee Kuan Yew Chairman of the Board New York, New York André Desmarais Minister Mentor The Dow Chemical Company President and Republic of Singapore Midland, Michigan Andrew Crockett Co-Chief Executive Officer Singapore President Ratan Naval Tata Power Corporation of Canada JPMorgan Chase International Minoru Makihara Chairman Montreal, Canada New York, New York Senior Corporate Advisor and Tata Sons Limited Martin Feldstein Former Chairman Mumbai, India William M. Daley President and Chief Executive Officer Corporation Chairman of the Midwest Region Marco Tronchetti Provera National Bureau of Tokyo, Japan JPMorgan Chase & Co. Chairman and Chief Executive Officer Economic Research, Inc. , The Rt. Hon. Brian Mulroney Pirelli & C. SpA Cambridge, Massachusetts Senior Partner Milan, Italy Walter A. Gubert Arminio Fraga Neto Ogilvy Renault Vice Chairman Cees J.A. van Lede Founding Partner Montreal, Canada JPMorgan Chase & Co. Former Chairman, Gavea Investimentos, Ltd. Chairman David J. O’Reilly Board of Management Rio de Janeiro, Brazil JPMorgan Chase EMEA Chairman and Chief Executive Officer Akzo Nobel London, United Kingdom Chevron Corporation Arnhem, The Netherlands San Ramon, California

Community Advisory Board*

Sharon Alexander-Holt Frank Ballesteros Pascual Blanco William Clark CEO Chief Administrative Officer Executive Director President/CEO The Urban League of Metropolitan PPEP Microbusiness & Housing La Fuerza Unida Inc. Urban League of Rochester Denver, Inc. Development. Corp. Glen Cove, NY Rochester, NY Denver, CO Tucson, AZ Sylvia Brooks Ricardo Diaz Lauren Anderson Eli Barbosa President/CEO Executive Director Executive Director Director of Neighborhood Houston Area Urban League United Community Center Neighborhood Housing Services of Reinvestment Houston, TX Milwaukee, WI New Orleans Latin United Community Housing Donnie Brown Peter Elkowitz New Orleans, LA Association Executive Director President Chicago, IL Polly Baca Genesis Housing Development Long Island Housing Partnership CEO/Executive Director Henry Barlow Corp. Hauppauge, NY Latin American Research and Reverend Chicago, IL Ignacio Esteban Service Agency LARASA Christ Tabernacle Baptist Church James Buckley Executive Director Denver, CO Chicago, IL Executive Director Florida Community Loan Fund Dionne Bagsby Janie Barrera University Neighborhood Housing Orlando, FL Retired Commissioner President/CEO Program Ron Fafoglia Tarrant County ACCION Texas Bronx, NY Executive Director Fort Worth, TX San Antonio, TX Joseph Carbone TSP Hope, Inc. Salvador Balcorta Shaun Belle President/CEO Springfield, IL Executive Director President/CEO The WorkPlace, Inc. Melissa Flournoy Centro de Salud Familiar La Fe, Inc. The Mt. Hope Housing Company Bridgeport, CT President/CEO El Paso, TX Bronx, NY David Chen The Louisiana Assoc. of Nonprofit Executive Director Organizations (LANO) Chinese American Planning Council Baton Rouge, LA *Board membership as of January 2006 New York, NY

136 JPMorgan Chase & Co. / 2005 Annual Report Community Advisory Board* (continued)

William Frey Manson Johnson Gilbert Moreno David Scheck Vice President, Director Reverend President Executive Director Enterprise Foundation NYC Office Holman Street Baptist Church Association for the Advancement NJ Community Capital Corp. New York, NY Houston, TX of Mexican Americans Trenton, NJ Reuben Gant Erma Johnson-Hadley Houston, TX Doris Schnider Executive Director Vice Chancellor for Administration Vincent Murray President Greenwood Community Tarrant County College Dist. Executive Director Delaware Community Investment Development Corp. Fort Worth, TX Bagley Housing Association, Inc. Corp. Tulsa, OK Amy Klaben Detroit, MI Wilmington, DE Reginald Gates President/CEO Joe Myer Shirley Stancato President/CEO Columbus Housing Partnership, Inc. Executive Director President/CEO Dallas Black Chamber of Commerce Columbus, OH NCALL Research New Detroit, Inc. Dallas, TX James Klein Dover, DE Detroit, MI Sarah Gerecke Executive Director Jeremy Nowak Thomas Stone CEO Ohio Community Development President/CEO Executive Director Neighborhood Housing Services Finance Fund The Reinvestment Fund Mt. Pleasant Development Now of NYC Columbus, OH Philadelphia, PA Cleveland, OH New York, NY Christopher Kui Claudia O'Grady Benjamin Thomas Sr. Christie Gillespie Executive Director Executive Director Pastor Executive Director Asian Americans for Equality Multi-Ethnic Development Corp. Tanner AME Indiana Assoc. for Community New York, NY Salt Lake City, UT Phoenix, AZ Economic Development Rhonda Lewis David Pagan Valerie Thompson Indianapolis, IN President/CEO Executive Director President/CEO Ernest Gonzalez Bridge Street Development Corp. Southside United Housing Urban League of Greater Oklahoma Corporate Committee Chair Brooklyn, NY Development Fund Corp. City Long Island Hispanic Chamber of William Linder Brooklyn, NY Oklahoma City, OK Commerce Founder James Paley Carlisle Towery West Islip, NY New Community Corporation Executive Director President Dina Gonzalez Newark, NJ Neighborhood Housing Services of Greater Jamaica Development President Fred Lucas New Haven Corp. West Michigan Hispanic Chamber New Haven, CT Jamaica, NY President/CEO of Commerce Faith Center for Community John Parvensky Margaret Trahan Grand Rapids, MI Development President President/CEO Bruce Gottschall New York, NY Colorado Coalition for the United Way of Acadiana Executive Director Norm Lyons Homeless Lafayette, LA Neighborhood Housing Services Denver, CO Community Development Corp. Terry Troia of Chicago Chair John Pritscher Executive Director Chicago, IL One Hundred Black Men of Greater President Project Hospitality Colvin Grannum Dallas Community Investment Corp. Staten Island, NY President/CEO Dallas, TX Chicago, IL Reginald Tuggle Bedford Stuyvesant Restoration Richard Manson Kerry Quaglia Pastor Corp. Vice President Executive Director Memorial Presbyterian Church Brooklyn, NY LISC Home Headquarters, Inc. Roosevelt, NY Meg Haller New York, NY Syracuse, NY Mark Van Brunt CEO Maria Matos Edwin Reed Executive Director Gary Citywide (CDC) Executive Director CFO Raza Development Fund Gary, IN Latin American Community Center Greater Allen Cathedral of NY Phoenix, AZ Don Hartman Wilmington, DE Jamaica, NY Donna Wertenbach Deputy Director Christie McCravy Kathy Ricci President/CEO NHS of Phoenix Director of Homeownership Executive Director Community Economic Development Phoenix, AZ Programs Utah Micro-Enterprise Loan Fund Fund Roy Hastick The Housing Partnership, Inc. Salt Lake City, UT West Hartford, CT President/CEO Louisville, KY Gwen Robinson Lloyd Williams Caribbean American Chamber of Luis Miranda President/CEO President/CEO Commerce & Industry Chairman Hamilton County Community Greater Harlem Chamber of Brooklyn, NY Audubon Partnership for Economic Action Agency Commerce Norman Henry Development Cincinnati, OH New York, NY President New York, NY Marcos Ronquillo Melinda R. Wright Builders of Hope Community Marlon Mitchell Lawyer Director Development Corp. Executive Director Godwin Gruber, LLP Momentive Consumer Credit Dallas, TX City of Houston Small Business Dallas, TX Counseling Service Ralph Hollmon Development Corp. Clifford Rosenthal Indianapolis, IN President/CEO Houston, TX Executive Director Ravi Yalamanchi Milwaukee Urban League, Inc. Andrew J. Mooney National Federation of Community CEO Milwaukee, WI Senior Program Director Development Credit Unions Metro Housing Partnership Kevin Jackson Local Initiative Support Corporation New York, NY Flint, MI Executive Director Chicago, IL Winston Ross Diana Yazzie-Devine Chicago Rehab Network Randy Moore Executive Director President Chicago, IL Executive Director Westchester Community Native American Connections Kim Jacobs Community Works in West Opportunity Program Phoenix, AZ Executive Director Virginia, Inc. Elmsford, NY Westchester Housing Fund Charleston, WV Hawthorne, NY *Board membership as of January 2006

JPMorgan Chase & Co. / 2005 Annual Report 137 National Advisory Board

Richard I. Beattie David F. DeVoe David C. McCourt David L. Shedlarz Chairman Chief Financial Officer Chairman and Executive Vice President and Simpson Thacher & Bartlett LLP News Corporation Chief Executive Officer Chief Financial Officer Granahan McCourt Capital Inc. Leon D. Black William T. Dillard II Founding Partner Chairman and Darla D. Moore Henry R. Silverman Apollo Management, L.P. Chief Executive Officer Executive Vice President Chairman and Dillard's, Inc. Rainwater, Inc. Chief Executive Officer David Bonderman Corporation Founding Partner Paul J. Fribourg Patrick J. Moore Texas Pacific Group Chairman and Chairman, President and Barry S. Sternlicht Chief Executive Officer Chief Executive Officer Chairman and David A. Brandon ContiGroup Companies, Inc. Smurfit-Stone Container Chief Executive Officer Chairman and Corporation Starwood Capital Group Chief Executive Officer Charles E. Golden Domino's Pizza, Inc. Executive Vice President and Michael G. Morris Doreen A. Toben Chief Financial Officer Chairman, President and Executive Vice President and Richard J. Bressler Eli Lilly and Company Chief Executive Officer Chief Financial Officer Managing Director and Head American Electric Power Verizon Communications of the Strategic Resources Group John B. Hess Thomas H. Lee Partners, LP Chairman of the Board and Lewis Ranieri Samuel Zell Chief Executive Officer Chairman and Chairman of the Board Edgar Bronfman, Jr. Amerada Hess Corporation Chief Executive Officer Equity Group Investments, L.L.C. Chairman and Ranieri & Company Chief Executive Officer Glenn H. Hutchins Mortimer B. Zuckerman Warner Music Group Founding Partner Joseph L. Rice III Chairman Silver Lake Partners Chairman Boston Properties, Inc. Frank A. D’Amelio Clayton, Dubilier & Rice, Inc. Executive Vice President and Thomas H. Lee Chief Financial Officer Chairman and David M. Rubenstein James B. Lee, Jr. Lucent Technologies Chief Executive Officer Managing Director Chairman Thomas H. Lee Capital LLC The Carlyle Group Nancy J. De Lisi National Advisory Board Senior Vice President of Stephen A. Schwarzman Mergers & Acquisitions Chairman, Chief Executive Officer Altria Group, Inc. and Co-Founder

Regional Advisory Board*

Philip C. Ackerman Charles F. Fortgang Richard S. LeFrak Samuel I. Newhouse III Chairman, President and Chairman President General Manager Chief Executive Officer M. Fabrikant & Sons, Inc. LeFrak Organization, Inc. Advance Publications Inc. National Fuel Gas Company Gladys George Leo Liebowitz William C. Rudin Richard A. Bernstein President and Chief Executive Officer President Chairman and Chief Executive Officer Chief Executive Officer Getty Realty Corp. Rudin Management Company, Inc. R.A.B. Holdings, Inc. Lenox Hill Hospital William L. Mack Joel Seligman Robert B. Catell Lewis Golub Co-Founder and President Chairman and Chairman of the Board Managing Partner University of Rochester Chief Executive Officer The Golub Corporation Apollo Real Estate Advisors L.P. John Shalam KeySpan Energy Corporation Wallace A. Graham Peter Markson Chairman and Christopher B. Combe Chairman of the Board and Chairman Chief Executive Officer Chairman and President Chief Executive Officer Paris Accessories, Inc. Audiovox Corporation Combe Incorporated Schenectady International, Inc. Herman I. Merinoff Arthur T. Shorin Eugene R. Corasanti Peter J. Kallet Chairman of the Board Chairman and Chairman and Chief Executive Officer Chairman, President and The Charmer Sunbelt Group Chief Executive Officer CONMED Corporation Chief Executive Officer The Topps Company, Inc. John Morphy Oneida Ltd. Emil Duda Chief Financial Officer, Marie Toulantis Senior Executive Vice President and Charles A. Krasne Secretary and Treasurer Chief Executive Officer Chief Financial Officer President and Paychex, Inc. Barnes & Noble, Inc. Lifetime Healthcare Company/ Chief Executive Officer Michael C. Nahl Kenneth L. Wallach Excellus Health Plan Inc. Krasdale Foods, Inc. Senior Vice President and Chairman, President and James N. Fernandez Richard W. Kunes Chief Financial Officer Chief Executive Officer Executive Vice President and Executive Vice President Albany International Corp. Central National-Gottesman Inc. Chief Financial Officer and Chief Financial Officer James L. Nederlander Fred Wilpon Tiffany & Company Estee Lauder Companies, Inc. President Chairman Nederlander Producing Company Sterling Equities, Inc. of America, Inc.

*Board membership as of January 2006

138 JPMorgan Chase & Co. / 2005 Annual Report Board of Directors

Hans W. Becherer 1,4 James S. Crown 4,5 Laban P. Jackson, Jr. 1,3 David C. Novak 2,3 Retired Chairman and President Chairman and Chairman and Chief Executive Officer Henry Crown and Company Chief Executive Officer Chief Executive Officer Deere & Company (Diversified investments) Clear Creek Properties, Inc. Yum! Brands, Inc. (Equipment manufacturer) (Real estate development) (Franchised restaurants) James Dimon John H. Biggs 1,3 Chief Executive Officer John W. Kessler 2,4 Lee R. Raymond 2,3 Former Chairman and JPMorgan Chase & Co. Owner Retired Chairman and Chief Executive Officer John W. Kessler Company Chief Executive Officer 4,5 Teachers Ellen V. Futter and Chairman Exxon Mobil Corporation and Annuity Association- President and Trustee The New Albany Company (Oil and gas) College Retirement American Museum of (Real estate development) 2,3 Equities Fund (TIAA-CREF) Natural History William C. Weldon 4,5 () (Museum) Robert I. Lipp Chairman and Senior Advisor Chief Executive Officer 2,4 Lawrence A. Bossidy 4,5 William H. Gray, III JPMorgan Chase & Co. Johnson & Johnson Retired Chairman Senior Advisor, Public Policy (Health care products) 1,4 Honeywell International Inc. & Business Diversity Richard A. Manoogian (Technology and manufacturing) Buchanan Ingersoll PC Chairman and (Law firm) Chief Executive Officer Stephen B. Burke 2,3 Masco Corporation Member of: President William B. Harrison, Jr. (Diversified manufacturer) 1. Audit Committee Comcast Cable Chairman of the Board 2. Compensation & Management Communications, Inc. JPMorgan Chase & Co. Development Committee (Cable television) 3. Corporate Governance & Nominating Committee 4. Public Responsibility Committee 5. Risk Policy Committee

Executive Committee (*denotes member of Operating Committee)

James Dimon* Michael K. Clark Carlos M. Hernandez Heidi Miller* Chief Executive Officer Institutional Trust & Investment Bank Treasury & Securities Services Investor Services Lorraine E. Hricik R. Ralph Parks Austin A. Adams* Andrew Crockett Treasury Services Asia Pacific Technology & Operations JPMorgan Chase International Rick Lazio Scott Powell Paul Bateman William M. Daley Government Affairs & Public Policy Home Finance Asset Management Midwest Region James B. Lee, Jr. David W. Puth Frank J. Bisignano* Klaus Diederichs Investment Bank Investment Bank Chief Administrative Officer Investment Bank Steve MacLellan Charles W. Scharf* Steven D. Black* Ina R. Drew* Private Client Services Retail Financial Services Investment Bank Chief Investment Officer Samuel Todd Maclin* Richard J. Srednicki* Philip F. Bleser Patrik L. Edsparr Commercial Banking Card Services Commercial Banking Investment Bank Jay Mandelbaum* James E. Staley* John F. Bradley* Mary E. Erdoes Strategy Asset & Wealth Management Human Resources Private Bank Donald H. McCree, III Don M. Wilson III* Douglas L. Braunstein Martha J. Gallo Investment Bank Risk Management Investment Bank Audit William H. McDavid* Thomas L. Wind Richard M. Cashin Walter A. Gubert Legal & Compliance Home Finance One Equity Partners Europe, Middle East and Africa William T. Winters* Michael J. Cavanagh* Joan Guggenheimer* Investment Bank Finance Legal & Compliance

Other corporate officers

Anthony J. Horan Mark I. Kleinman Joseph L. Sclafani Secretary Treasury Controller

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