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<div align="left" style="font-size: 12pt; margin-top: 12pt"><b>Note 28 – Restrictions on cash and intercompany funds transfers</b>
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<div align="left" style="font-size: 10pt; margin-top: 6pt">The business of JPMorgan Chase Bank, National Association (“JPMorgan Chase Bank, N.A.”) is
subject to examination and regulation by the Office of the Comptroller of the Currency (“OCC”). The
Bank is a member of the U.S. Federal Reserve System, and its deposits are insured by the FDIC.
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<div align="left" style="font-size: 10pt; margin-top: 6pt">The Board of Governors of the Federal Reserve System (the “Federal Reserve”) requires depository
institutions to maintain cash reserves with a Federal Reserve Bank. The average amount of reserve
balances deposited by the Firm’s bank subsidiaries with various Federal Reserve Banks was
approximately $821 million and $1.6 billion in 2009 and 2008, respectively.
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<div align="left" style="font-size: 10pt; margin-top: 6pt">Restrictions imposed by U.S. federal law prohibit JPMorgan Chase and certain of its affiliates from
borrowing from banking subsidiaries unless the loans are secured in specified amounts. Such secured
loans to the Firm or to other affiliates are generally limited to 10% of the banking subsidiary’s
total capital, as determined by the risk-based capital guidelines; the aggregate amount of all such
loans is limited to 20% of the banking subsidiary’s total capital.
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<div align="left" style="font-size: 10pt; margin-top: 6pt">The principal sources of JPMorgan Chase’s income (on a parent company-only basis) are dividends and
interest from JPMorgan Chase Bank, N.A., and the other banking and nonbanking subsidiaries of
JPMorgan Chase. In addition to dividend restrictions set forth in statutes and regulations, the
Federal Reserve, the OCC and the FDIC have authority under the Financial Institutions Supervisory
Act to prohibit or to limit the payment of dividends by the banking organizations they supervise,
including JPMorgan Chase and its subsidiaries that are banks or bank holding companies, if, in the
banking regulator’s opinion, payment of a dividend would constitute an unsafe or unsound practice
in light of the financial condition of the banking organization.
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<div align="left" style="font-size: 10pt; margin-top: 6pt">At January 1, 2010 and 2009, JPMorgan Chase’s banking subsidiaries could pay, in the aggregate,
$3.6 billion and $17.0 billion, respectively, in dividends to their respective bank holding
companies without the prior approval of their relevant banking regulators. The capacity to pay
dividends in 2010 will be supplemented by the banking subsidiaries’ earnings during the year.
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<div align="left" style="font-size: 10pt; margin-top: 6pt">In compliance with rules and regulations established by U.S. and non-U.S. regulators, as of
December 31, 2009 and 2008, cash in the amount of $24.0 billion and $34.8 billion, respectively,
and securities with a fair value of $10.2 billion and $23.4 billion, respectively, were segregated
in special bank accounts for the benefit of securities and futures brokerage customers.
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