Michael Cavanagh, JPMorgan Chase CFO, on the bank's strength Q2

Art Card: Riverside, California
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Art Card: Helping by opening centers for homeowners

Dave Lowman, CEO, Global Mortgage, JPMorgan Chase & Co: "We announced the opening of 24 home counseling centers mainly in the areas where we have the most borrowers that are in need. People can visit the center and work with one of our counselors..."

Art Card:

• Downey, CA
• Glendale, CA
• La Mesa (San Diego), CA
• Rancho Cucamonga, CA
• Santa Ana, CA
• Sacramento, CA
• Santa Clara, CA
• Stockton, CA
• Phoenix, AZ
• Westminster (Denver), CO
• Washington, DC
• Aventura (Miami), FL
• Ft. Myers (Cape Coral), FL
• Miami, FL
• Orlando, FL
• Tampa, FL
• Atlanta, GA
• Melrose Park (Chicago), IL
• Troy (Detroit), MI
• Las Vegas, NV
• Paramus, NJ
• Flushing, NY
• Media (Philadelphia), PA

Dave [continued under art card]: "...We actually have the counselors doing outreach in the communities that they serve. It's a place for the borrower to come. It's a place for the borrower and their agent to come."

Art, Chase Homeownership Center: "We want to do whatever we can to keep them in the home. That's the number one goal."

Dave: "And we, right on the spot, try to craft a solution for that customer."

Glen, Chase Homeownership Center: "Definitely, taking a leadership role in this, opening these centers. Having a face-to-face contact. Because right now, we're the only ones that I know of that does the face-to-face contact."

Evelyn, Chase Homeownership Centers: "We have representatives for all three banks. We have EMC, Chase, and WaMu."

Art: "The number one is identifying somebody we're going to be able to immediately help in terms of, 'How critical is it? How late are they?'"

Gloria, Homeowner: "Pretty much it's just gathering the package and I'm sure they're going to send it to the loan modification department. And then I'll hear from them."

Estela, Chase Homeownership Center: "If anybody needs help in translating, we have a person that speaks Vietnamese. I speak Spanish."

Andres, Homeowner: [Speaks in Spanish] – Translation "In my recent job, they cut my hours."

Cecelia, Chase Homeownership Center: "The hours got cut back on his work. One of the cars broke down and he started riding is bike to work."

Zach, Chase Homeownership Center: "He's going from Irvine to Tustin on a bike."

Cecelia: "Takes him an hour."

Zach: "Just to cut down on gas and when they came in they were really apprehensive."

Andres: [Spanish] "We need help. We don't have the means to pay the interest – or make our payments."

Zach: "When a customer comes in. They identify – is their hardship temporary, is it permanent, are they employed? Do they have a main stream of income coming in? Do they have the ability to repay? Based upon that, we do a financial. We see their overall picture."

Art: "We try to work out some sort of a loan workout or modification."

Gloria: "Its my home. It's my neighbors. The front yard. It's safe. It's the only home I have."

Art Card: Chase Homeownership Centers

• Downey, CA
• Glendale, CA
• La Mesa (San Diego), CA
• Rancho Cucamonga, CA
• Santa Ana, CA
• Sacramento, CA
• Santa Clara, CA
• Stockton, CA
• Phoenix, AZ
• Westminster (Denver), CO
• Washington, DC
• Aventura (Miami), FL
• Ft. Myers (Cape Coral), FL
• Miami, FL
• Orlando, FL
• Tampa, FL
• Atlanta, GA
• Melrose Park (Chicago), IL
• Troy (Detroit), MI
• Las Vegas, NV
• Paramus, NJ
• Flushing, NY
• Media (Philadelphia), PA

Art Card: Find out where to get assistance with your Chase, WaMu or EMC loan at chase.com/myhome

Art Card: Chase logo, © 2009 JPMorgan Chase & Co.