2006 PRIMARY PRODUCT CATEGORY (TREND ANALYSIS) OPEN DATE FROM: 1/01/02 TO: 11/30/06 COMPLAINTS ONLY STATE OF WISCONSIN HOLDING COMPANY: J. P. MORGAN CHASE & CO.
Category | Primary | Secondary | Reg Cite | Reg Detail												2002		%*				2003		%*		2004		%*		2005			%*			2006		%*
LOAN												82		75.93			73			66.36		94		74.60		140			75.27			107		79.85
		CREDIT CARD ACCOUNT										58		70.7			50			68.5		75		79.8		99			70.7			83		77.6
				REG Z 12 CFR 226-B OP-END								32		55.2			30			60.0		43		57.3		52			52.5			55		66.3
					.9 SUBSEQUENT DISCLOSURE							4		12.5			10			33.3		16		37.2		15			28.8			19		34.5
						.9(C) CHANGE IN TERMS						4		100.0			10			100.0		15		93.8		14			93.3			19		100.0
						.9(B) DEVICES/FEATURES																				1			6.7
						(No Regulation Detail)																1		6.3
					.13 BILLING ERROR							12		37.5			6			20.0		7		16.3		9			17.3			11		20.0
						(No Regulation Detail)						6		50.0			4			66.7		6		85.7		8			88.9			10		90.9
						.13(E) IF ERROR OCCURRED						4		33.3			1			16.7												1		9.1
						.13(D) PENDING RESOLUTION											1			16.7						1			11.1
						.13(C) TIME LIMIT						1		8.3								1		14.3
						.13(F) DIFFERENT ERROR						1		8.3
					.12 SPECIAL PROVISIONS							9		28.1			7			23.3		7		16.3		10			19.2			7		12.7
						.12(A) ISSUANCE						4		44.4			5			71.4		3		42.9		5			50.0			4		57.1
						.12(C) CLAIMS AND DEFENSES																2		28.6								2		28.6
						.12(B) UNAUTHORIZED USE						4		44.4			2			28.6		2		28.6		4			40.0			1		14.3
						(No Regulation Detail)																				1			10.0
						.12(E) RETURNS & REFUNDS						1		11.1
					.5A SOLICITATIONS & APPS												1			3.3		4		9.3		3			5.8			6		10.9
						(No Regulation Detail)											1			100.0		3		75.0		3			100.0			5		83.3
						.5A(B) REQUIRED CONTENT																1		25.0								1		16.7
					.6 INITIAL DISCLOSURE							1		3.1			1			3.3		5		11.6		4			7.7			5		9.1
						.6(B) OTHER CHARGES											1			100.0		5		100.0		1			25.0			3		60.0
						.6(A) FINANCE CHARGE																				3			75.0			2		40.0
						(No Regulation Detail)						1		100.0
					.10 PROMPT CREDITING							1		3.1								1		2.3		4			7.7			2		3.6
						(No Regulation Detail)						1		100.0												1			25.0			1		50.0
						.10(B) SPECIFIC REQMTS																										1		50.0
						.10(A) GENERAL RULE																1		100.0		3			75.0
					.16 ADVERTISING							1		3.1								1		2.3		4			7.7			1		1.8
						.16(B) TRIGGERING TERMS																										1		100.0
						(No Regulation Detail)																1		100.0		2			50.0
						.16(A) AVAILABLE TERMS						1		100.0												2			50.0
					(No Regulation Cite)							1		3.1			2			6.7		1		2.3		1			1.9			1		1.8
						(No Regulation Detail)						1		100.0			2			100.0		1		100.0		1			100.0			1		100.0
					.7 PERIODIC STATEMENT												2			6.7						1			1.9			1		1.8
						.7(H) OTHER CHARGES																				1			100.0			1		100.0
						(No Regulation Detail)											1			50.0
						.7(F) FINANCE CHARGE AMT											1			50.0
					.5 GENERAL DISCLOSURE							1		3.1								1		2.3								1		1.8
						.5(E) SUBSEQUENT EVENTS						1		100.0								1		100.0								1		100.0
					.14 DETERMINATION OF APR																											1		1.8
						.14(A) GENERAL RULE																										1		100.0
					.11 CREDIT BALANCES							1		3.1			1			3.3						1			1.9
						(No Regulation Detail)						1		100.0			1			100.0						1			100.0
					.8 IDENTIFICATION OF TRANSACTIONS							1		3.1
						(No Regulation Detail)						1		100.0
				SERVICE								9		15.5			7			14.0		13		17.3		20			20.2			13		15.7
					(No Regulation Cite)							1		11.1			3			42.9		2		15.4		3			15.0			5		38.5
						(No Regulation Detail)						1		100.0			3			100.0		2		100.0		3			100.0			5		100.0
					COMMUNICATIONS							1		11.1			1			14.3		4		30.8		7			35.0			4		30.8
						MAIL																1		25.0		1			14.3			3		75.0
						(No Regulation Detail)																2		50.0		6			85.7			1		25.0
						LANGUAGE																1		25.0
						TELEPHONE						1		100.0			1			100.0
					SYSTEMS/TECHNOLOGY							2		22.2			1			14.3		3		23.1		3			15.0			3		23.1
						PAYMENT PROCESSING						1		50.0								3		100.0		3			100.0			2		66.7
						(No Regulation Detail)						1		50.0																		1		33.3
						ITEM PROCESSING											1			100.0
					PRIVACY							5		55.6			1			14.3		2		15.4		3			15.0			1		7.7
						IDENTITY THEFT						2		40.0								1		50.0		2			66.7			1		100.0
						TELESERVICING						2		40.0												1			33.3
						(No Regulation Detail)						1		20.0			1			100.0		1		50.0
					FEES,PART 7.4002																	2		15.4		3			15.0
						(No Regulation Detail)																2		100.0		1			33.3
						NEW FEES																				1			33.3
						UNFAIR FEES																				1			33.3
					ACCESS												1			14.3						1			5.0
						(No Regulation Detail)											1			100.0						1			100.0
				DEBT COLLECTION								4		6.9			3			6.0		9		12.0		11			11.1			9		10.8
					(No Regulation Cite)							2		50.0			2			66.7		2		22.2		2			18.2			4		44.4
						(No Regulation Detail)						2		100.0			2			100.0		2		100.0		2			100.0			4		100.0
					UNFAIR PRACTICES							1		25.0								1		11.1		2			18.2			4		44.4
						NON-LIABLE PARTY						1		100.0								1		100.0		1			50.0			3		75.0
						(No Regulation Detail)																				1			50.0			1		25.0
					HARASSMENT							1		25.0			1			33.3		4		44.4		3			27.3			1		11.1
						EXCESSIVE CALLS											1			100.0		3		75.0								1		100.0
						(No Regulation Detail)						1		100.0								1		25.0		3			100.0
					GENERAL PRACTICES																	1		11.1		4			36.4
						(No Regulation Detail)																1		100.0		3			75.0
						FAILURE TO CEASE CONTACT																				1			25.0
					FALSE STATEMENTS																	1		11.1
						(No Regulation Detail)																1		100.0
				FCRA 15 USC 1681								2		3.4			5			10.0		4		5.3		7			7.1			4		4.8
					(S-2)USER RESPONSIBILITIES							1		50.0			3			60.0		4		100.0		7			100.0			4		100.0
						(No Regulation Detail)						1		100.0			3			100.0		4		100.0		7			100.0			4		100.0
					(No Regulation Cite)							1		50.0			1			20.0
						(No Regulation Detail)						1		100.0			1			100.0
					(B)PERMISSIBLE PURPOSES												1			20.0
						(No Regulation Detail)											1			100.0
				REG. B, 12 CFR 202								3		5.2			4			8.0		2		2.7		5			5.1			1		1.2
					.9 NOTIFICATIONS							3		100.0			3			75.0		1		50.0		5			100.0			1		100.0
						.9(A) ACTION NOTICE						3		100.0			1			33.3						2			40.0			1		100.0
						(No Regulation Detail)											2			66.7		1		100.0		3			60.0
					(No Regulation Cite)																	1		50.0
						(No Regulation Detail)																1		100.0
					.6 APPLICATION EVAL.												1			25.0
						(No Regulation Detail)											1			100.0
				(No Secondary)								5		8.6												1			1.0			1		1.2
					(No Regulation Cite)							5		100.0												1			100.0			1		100.0
						(No Regulation Detail)						5		100.0												1			100.0			1		100.0
				REG AA 12 CFR 227 UNFAIR/DECEPTIVE ACTS								1		1.7								2		2.7		3			3.0
					(No Regulation Cite)							1		100.0								2		100.0		3			100.0
						(No Regulation Detail)						1		100.0								2		100.0		3			100.0
				S/S CIVIL RELIEF ACT 50 USC																		1		1.3
					GENERAL REQUIREMENTS 518/536																	1		100.0
						(No Regulation Detail)																1		100.0
				UCC-ART 3-NEG INSTR																		1		1.3
					(No Regulation Cite)																	1		100.0
						(No Regulation Detail)																1		100.0
				UCC-ART 4-DEP & COLLS								2		3.4			1			2.0
					(No Regulation Cite)							2		100.0			1			100.0
						(No Regulation Detail)						2		100.0			1			100.0
		MORTGAGE LOAN										12		14.6			11			15.1		6		6.4		22			15.7			15		14.0
				SERVICE								5		41.7			2			18.2		1		16.7		10			45.5			7		46.7
					SYSTEMS/TECHNOLOGY							1		20.0												5			50.0			4		57.1
						PAYMENT PROCESSING																				3			60.0			4		100.0
						(No Regulation Detail)						1		100.0												2			40.0
					(No Regulation Cite)							1		20.0			2			100.0						2			20.0			3		42.9
						(No Regulation Detail)						1		100.0			2			100.0						2			100.0			3		100.0
					ACCESS																					2			20.0
						(No Regulation Detail)																				2			100.0
					EMPLOYEE																					1			10.0
						(No Regulation Detail)																				1			100.0
					COMMUNICATIONS							3		60.0								1		100.0
						(No Regulation Detail)						3		100.0								1		100.0
				RESPA 24 CFR CH. XX, 3500								2		16.7			2			18.2						2			9.1			5		33.3
					.17 ESCROW ACCOUNTS							2		100.0			2			100.0						2			100.0			5		100.0
						(No Regulation Detail)						2		100.0			2			100.0						2			100.0			5		100.0
				FCRA 15 USC 1681								1		8.3			2			18.2		2		33.3		3			13.6			2		13.3
					(S-2)USER RESPONSIBILITIES																					3			100.0			2		100.0
						(No Regulation Detail)																				3			100.0			2		100.0
					(B)PERMISSIBLE PURPOSES												1			50.0		2		100.0
						(No Regulation Detail)											1			100.0		2		100.0
					(No Regulation Cite)							1		100.0			1			50.0
						(No Regulation Detail)						1		100.0			1			100.0
				REG. B, 12 CFR 202																						1			4.5			1		6.7
					(No Regulation Cite)																											1		100.0
						(No Regulation Detail)																										1		100.0
					.9 NOTIFICATIONS																					1			100.0
						.9(B) ECOA NOTICE																				1			100.0
				REG Z 12 CFR 226-C CL-END													1			9.1		1		16.7		4			18.2
					.18 DISCLOSURE CONTENT																	1		100.0		3			75.0
						.18(K) PREPAYMENT																				2			66.7
						(No Regulation Detail)																				1			33.3
						.18(D) FINANCE CHARGE																1		100.0
					.17 GENERAL DISCLOSURE												1			100.0						1			25.0
						.178 BASIS & ESTIMATES																				1			100.0
						(No Regulation Detail)											1			100.0
				DEBT COLLECTION								2		16.7			3			27.3		1		16.7		2			9.1
					HARASSMENT							1		50.0								1		100.0		1			50.0
						EXCESSIVE CALLS																1		100.0		1			100.0
						THREATS						1		100.0
					UNFAIR PRACTICES							1		50.0			1			33.3						1			50.0
						(No Regulation Detail)											1			100.0						1			100.0
						COLLECT CALLS						1		100.0
					(No Regulation Cite)												1			33.3
						(No Regulation Detail)											1			100.0
					GENERAL PRACTICES												1			33.3
						(No Regulation Detail)											1			100.0
				(No Secondary)								1		8.3			1			9.1		1		16.7
					(No Regulation Cite)							1		100.0			1			100.0		1		100.0
						(No Regulation Detail)						1		100.0			1			100.0		1		100.0
				UCC-ART 3-NEG INSTR								1		8.3
					(No Regulation Cite)							1		100.0
						(No Regulation Detail)						1		100.0
		CONSUMER LOAN										10		12.2			10			13.7		8		8.5		11			7.9			7		6.5
				DEBT COLLECTION								3		30.0			7			70.0		6		75.0		6			54.5			3		42.9
					UNFAIR PRACTICES							1		33.3			1			14.3						3			50.0			1		33.3
						(No Regulation Detail)																				1			33.3			1		100.0
						ILLEGALLY TAKING PROPERTY											1			100.0						2			66.7
						OVERCOLLECTING AMOUNT						1		100.0
					HARASSMENT							1		33.3			3			42.9		2		33.3		2			33.3			1		33.3
						EXCESSIVE CALLS						1		100.0			2			66.7		1		50.0		2			100.0			1		100.0
						(No Regulation Detail)											1			33.3		1		50.0
					(No Regulation Cite)							1		33.3			3			42.9		3		50.0								1		33.3
						(No Regulation Detail)						1		100.0			3			100.0		3		100.0								1		100.0
					GENERAL PRACTICES																	1		16.7		1			16.7
						FAILURE TO CEASE CONTACT																				1			100.0
						(No Regulation Detail)																1		100.0
				SERVICE								4		40.0			1			10.0						4			36.4			2		28.6
					COMMUNICATIONS							1		25.0												2			50.0			1		50.0
						(No Regulation Detail)						1		100.0												2			100.0			1		100.0
					(No Regulation Cite)																					1			25.0			1		50.0
						(No Regulation Detail)																				1			100.0			1		100.0
					EMPLOYEE																					1			25.0
						(No Regulation Detail)																				1			100.0
					SYSTEMS/TECHNOLOGY							3		75.0			1			100.0
						ITEM PROCESSING											1			100.0
						PAYMENT PROCESSING						2		66.7
						(No Regulation Detail)						1		33.3
				(No Secondary)																												2		28.6
					(No Regulation Cite)																											2		100.0
						(No Regulation Detail)																										2		100.0
				UCC DIVISION 9																		2		25.0		1			9.1
					(No Regulation Cite)																	2		100.0		1			100.0
						(No Regulation Detail)																2		100.0		1			100.0
				FCRA 15 USC 1681								1		10.0			1			10.0
					(S-2)USER RESPONSIBILITIES												1			100.0
						(No Regulation Detail)											1			100.0
					(B)PERMISSIBLE PURPOSES							1		100.0
						(No Regulation Detail)						1		100.0
				UCC-ART 3-NEG INSTR													1			10.0
					(No Regulation Cite)												1			100.0
						(No Regulation Detail)											1			100.0
				REG Z 12 CFR 226-C CL-END								2		20.0
					.18 DISCLOSURE CONTENT							1		50.0
						.18(H) TOTAL PAYMENTS						1		100.0
					.21 CREDIT BALANCES							1		50.0
						(No Regulation Detail)						1		100.0
		HOME EQUITY LOC										1		1.2			1			1.4		1		1.1		6			4.3			1		0.9
				SERVICE													1			100.0						2			33.3			1		100.0
					SYSTEMS/TECHNOLOGY												1			100.0						1			50.0			1		100.0
						PAYMENT PROCESSING																										1		100.0
						(No Regulation Detail)											1			100.0						1			100.0
					(No Regulation Cite)																					1			50.0
						(No Regulation Detail)																				1			100.0
				REG Z 12 CFR 226-B OP-END																		1		100.0		3			50.0
					.5 GENERAL DISCLOSURE																					2			66.7
						(No Regulation Detail)																				1			50.0
						.5(B) TIME																				1			50.0
					.6 INITIAL DISCLOSURE																					1			33.3
						.6(B) OTHER CHARGES																				1			100.0
					.13 BILLING ERROR																	1		100.0
						(No Regulation Detail)																1		100.0
				REG. B, 12 CFR 202																						1			16.7
					.7 CREDIT EXTENSIONS																					1			100.0
						.7(D) CO-SIGNOR																				1			100.0
				(No Secondary)								1		100.0
					(No Regulation Cite)							1		100.0
						(No Regulation Detail)						1		100.0
		BUSINESS LINE OF CREDIT																														1		0.9
				UCC DIVISION 9																												1		100.0
					(No Regulation Cite)																											1		100.0
						(No Regulation Detail)																										1		100.0
		HOME EQUITY LOAN															1			1.4		4		4.3		1			0.7
				SERVICE													1			100.0		2		50.0		1			100.0
					(No Regulation Cite)																					1			100.0
						(No Regulation Detail)																				1			100.0
					COMMUNICATIONS																	2		100.0
						MAIL																2		100.0
					SYSTEMS/TECHNOLOGY												1			100.0
						ITEM PROCESSING											1			100.0
				REG Z 12 CFR 226-C CL-END																		1		25.0
					.21 CREDIT BALANCES																	1		100.0
						(No Regulation Detail)																1		100.0
				REG. B, 12 CFR 202																		1		25.0
					.9 NOTIFICATIONS																	1		100.0
						.9(A) ACTION NOTICE																1		100.0
		PERSONAL LOC																								1			0.7
				DEBT COLLECTION																						1			100.0
					HARASSMENT																					1			100.0
						(No Regulation Detail)																				1			100.0
		BUSINESS LOAN										1		1.2
				REG. B, 12 CFR 202								1		100.0
					.6 APPLICATION EVAL.							1		100.0
						(No Regulation Detail)						1		100.0
DEPOSIT												17		15.74			28			25.45		26		20.63		36			19.35			22		16.42
		CHECKING										13		76.5			21			75.0		20		76.9		31			86.1			17		77.3
				SERVICE								7		53.8			7			33.3		7		35.0		8			25.8			4		23.5
					(No Regulation Cite)												4			57.1		3		42.9		3			37.5			2		50.0
						(No Regulation Detail)											4			100.0		3		100.0		3			100.0			2		100.0
					FEES,PART 7.4002							1		14.3			1			14.3		2		28.6		3			37.5			1		25.0
						(No Regulation Detail)											1			100.0		1		50.0		1			33.3			1		100.0
						HIGH FEES																				2			66.7
						UNFAIR FEES						1		100.0								1		50.0
					COMMUNICATIONS							4		57.1												1			12.5			1		25.0
						(No Regulation Detail)						4		100.0												1			100.0			1		100.0
					ACCESS												1			14.3						1			12.5
						(No Regulation Detail)											1			100.0						1			100.0
					SYSTEMS/TECHNOLOGY												1			14.3		2		28.6
						ITEM PROCESSING																2		100.0
						(No Regulation Detail)											1			100.0
					EMPLOYEE							1		14.3
						INCOMPETENCE						1		100.0
					PRIVACY							1		14.3
						(No Regulation Detail)						1		100.0
				UCC-ART 4-DEP & COLLS													2			9.5		1		5.0		1			3.2			3		17.6
					(No Regulation Cite)												2			100.0		1		100.0		1			100.0			3		100.0
						(No Regulation Detail)											2			100.0		1		100.0		1			100.0			3		100.0
				UCC-ART 3-NEG INSTR								2		15.4			5			23.8		2		10.0		4			12.9			2		11.8
					(No Regulation Cite)							2		100.0			5			100.0		2		100.0		4			100.0			2		100.0
						(No Regulation Detail)						2		100.0			5			100.0		2		100.0		4			100.0			2		100.0
				(No Secondary)								1		7.7			2			9.5		3		15.0		1			3.2			2		11.8
					(No Regulation Cite)							1		100.0			2			100.0		3		100.0		1			100.0			2		100.0
						(No Regulation Detail)						1		100.0			2			100.0		3		100.0		1			100.0			2		100.0
				DEBT COLLECTION													1			4.8												2		11.8
					GENERAL PRACTICES																											1		50.0
						(No Regulation Detail)																										1		100.0
					UNFAIR PRACTICES																											1		50.0
						ILLEGALLY TAKING PROPERTY																										1		100.0
					(No Regulation Cite)												1			100.0
						(No Regulation Detail)											1			100.0
				REG. CC, 12 CFR 229													1			4.8		2		10.0		6			19.4			1		5.9
					.13 EXCEPTIONS												1			100.0						4			66.7			1		100.0
						(No Regulation Detail)											1			100.0												1		100.0
						.13(G) EXCEPTION NOTICE																				2			50.0
						.13(H) AVAILABILITY																				2			50.0
					.10 NEXT DAY AVAIL.																	1		50.0		1			16.7
						(No Regulation Detail)																				1			100.0
						.10(A) CASH DEPOSIT																1		100.0
					.12 AVAIL. SCHEDULE																	1		50.0		1			16.7
						(No Regulation Detail)																				1			100.0
						.12(C) NONLOCAL CHECKS																1		100.0
				REG. E, 12 CFR 205								2		15.4			3			14.3		1		5.0		4			12.9			1		5.9
					.11 ERROR RESOLUTION							1		50.0			1			33.3												1		100.0
						(No Regulation Detail)											1			100.0												1		100.0
						.11(C) TIME LIMITS						1		100.0
					.6 UNAUTH. TRANSFERS							1		50.0			1			33.3		1		100.0		3			75.0
						(No Regulation Detail)						1		100.0								1		100.0		3			100.0
						.6(A) LIABILITY CONDS.											1			100.0
					.9 RECEIPTS-STATEMENTS																					1			25.0
						.9(B) STATEMENTS																				1			100.0
					.5 ACCESS DEVICES												1			33.3
						(No Regulation Detail)											1			100.0
				FCRA 15 USC 1681																						1			3.2			1		5.9
					(S-2)USER RESPONSIBILITIES																					1			100.0			1		100.0
						(No Regulation Detail)																				1			100.0			1		100.0
				REG. DD, 12 CFR 230																		1		5.0								1		5.9
					.4 ACCOUNT DISCLOSURES																	1		100.0								1		100.0
						.4(B) CONTENT																1		100.0								1		100.0
				BANK CHARGES, 12 CFR 7.4002								1		7.7								3		15.0		5			16.1
					(A) CUSTOMER CHARGES/FEES							1		100.0								3		100.0		4			80.0
						(No Regulation Detail)						1		100.0								3		100.0		4			100.0
					(No Regulation Cite)																					1			20.0
						(No Regulation Detail)																				1			100.0
				ESCHEAT																						1			3.2
					NOTICE																					1			100.0
						(No Regulation Detail)																				1			100.0
		TIME										3		17.6			4			14.3		4		15.4		3			8.3			2		9.1
				SERVICE													4			100.0		3		75.0		2			66.7			1		50.0
					(No Regulation Cite)												3			75.0												1		100.0
						(No Regulation Detail)											3			100.0												1		100.0
					FEES,PART 7.4002																					1			50.0
						(No Regulation Detail)																				1			100.0
					SYSTEMS/TECHNOLOGY																					1			50.0
						(No Regulation Detail)																				1			100.0
					EMPLOYEE																	2		66.7
						(No Regulation Detail)																1		50.0
						INCOMPETENCE																1		50.0
					ACCESS																	1		33.3
						(No Regulation Detail)																1		100.0
					COMMUNICATIONS												1			25.0
						(No Regulation Detail)											1			100.0
				ESCHEAT								2		66.7								1		25.0								1		50.0
					OLD RECORDS																	1		100.0								1		100.0
						(No Regulation Detail)																1		100.0								1		100.0
					ABANDONMENT							1		50.0
						(No Regulation Detail)						1		100.0
					NOTICE							1		50.0
						(No Regulation Detail)						1		100.0
				REG. DD, 12 CFR 230								1		33.3												1			33.3
					.5 SUBSEQUENT DISCL.																					1			100.0
						.5(A) CHANGE IN TERMS																				1			100.0
					(No Regulation Cite)							1		100.0
						(No Regulation Detail)						1		100.0
		COLLECTION ITEMS																								1			2.8			1		4.5
				SERVICE																												1		100.0
					ACCESS																											1		100.0
						(No Regulation Detail)																										1		100.0
				UCC-ART 3-NEG INSTR																						1			100.0
					(No Regulation Cite)																					1			100.0
						(No Regulation Detail)																				1			100.0
		EXCHANGE/WIRES																				1		3.8								1		4.5
				SERVICE																		1		100.0								1		100.0
					SYSTEMS/TECHNOLOGY																											1		100.0
						(No Regulation Detail)																										1		100.0
					COMMUNICATIONS																	1		100.0
						(No Regulation Detail)																1		100.0
		SAVINGS															3			10.7												1		4.5
				SERVICE													2			66.7												1		100.0
					(No Regulation Cite)																											1		100.0
						(No Regulation Detail)																										1		100.0
					PRIVACY												2			100.0
						(No Regulation Detail)											1			50.0
						UNAUTHORIZED PERSON											1			50.0
				REG. E, 12 CFR 205													1			33.3
					.11 ERROR RESOLUTION												1			100.0
						(No Regulation Detail)											1			100.0
		MONEY MARKET/NOW										1		5.9								1		3.8		1			2.8
				SERVICE								1		100.0								1		100.0		1			100.0
					PRIVACY																					1			100.0
						UNAUTHORIZED PERSON																				1			100.0
					FEES,PART 7.4002																	1		100.0
						NEW FEES																1		100.0
					(No Regulation Cite)							1		100.0
						(No Regulation Detail)						1		100.0
INSURANCE												1		0.93			1			0.91		1		0.79		5			2.69			4		2.99
		PMI /HOMEOWNERS PROTECT.  ACT																				1		100.0		1			20.0			2		50.0
				TERMINATION SEC 3																						1			100.0			2		100.0
					3(a) BORROWER CANCELATION																											2		100.0
						(No Regulation Detail)																										2		100.0
					(No Regulation Cite)																					1			100.0
						(No Regulation Detail)																				1			100.0
				NOTIFICATION SEC 5																		1		100.0
					5(a) GENERAL																	1		100.0
						(No Regulation Detail)																1		100.0
		FLOOD																								1			20.0			1		25.0
				FORCE-PLACED																						1			100.0			1		100.0
					(No Regulation Cite)																					1			100.0			1		100.0
						(No Regulation Detail)																				1			100.0			1		100.0
		AUTO/BOAT																														1		25.0
				SERVICE																												1		100.0
					(No Regulation Cite)																											1		100.0
						(No Regulation Detail)																										1		100.0
		CREDIT LIFE/DISABILITY																								2			40.0
				SERVICE																						2			100.0
					(No Regulation Cite)																					1			50.0
						(No Regulation Detail)																				1			100.0
					SYSTEMS/TECHNOLOGY																					1			50.0
						(No Regulation Detail)																				1			100.0
		HOMEOWNER'S										1		100.0			1			100.0						1			20.0
				FORCE-PLACED								1		100.0												1			100.0
					EXISTING COVERAGE																					1			100.0
						(No Regulation Detail)																				1			100.0
					(No Regulation Cite)							1		100.0
						(No Regulation Detail)						1		100.0
				SALES PRACTICES													1			100.0
					(No Regulation Cite)												1			100.0
						(No Regulation Detail)											1			100.0
ASSET MANAGEMENT												5		4.63			4			3.64		0				0						1		0.75
		TRUST										5		100.0			4			100.0												1		100.0
				SERVICE								2		40.0			4			100.0												1		100.0
					ACCESS																											1		100.0
						(No Regulation Detail)																										1		100.0
					FEES,PART 7.4002												2			50.0
						(No Regulation Detail)											2			100.0
					(No Regulation Cite)							2		100.0			1			25.0
						(No Regulation Detail)						2		100.0			1			100.0
					COMMUNICATIONS												1			25.0
						(No Regulation Detail)											1			100.0
				12 CFR 9 FIDUCIARY								3		60.0
					(No Regulation Cite)							3		100.0
						(No Regulation Detail)						3		100.0
LEASING												1		0.93			0					1		0.79		3			1.61			0
		CONSUMER										1		100.0								1		100.0		3			100.0
				SERVICE																		1		100.0		3			100.0
					FEES,PART 7.4002																					2			66.7
						(No Regulation Detail)																				2			100.0
					COMMUNICATIONS																					1			33.3
						(No Regulation Detail)																				1			100.0
					SYSTEMS/TECHNOLOGY																	1		100.0
						(No Regulation Detail)																1		100.0
				REG M 12CFR 213								1		100.0
					213.4 CONTENT							1		100.0
						(No Regulation Detail)						1		100.0
NONDEPOSIT ACCOUNTS												0					2			1.82		0				1			0.54			0
		INVESTMENTS															2			100.0						1			100.0
				SERVICE													2			100.0						1			100.0
					ACCESS																					1			100.0
						(No Regulation Detail)																				1			100.0
					(No Regulation Cite)												1			50.0
						(No Regulation Detail)											1			100.0
					FEES,PART 7.4002												1			50.0
						(No Regulation Detail)											1			100.0
(No Category)												0					0					0				1			0.54			0
		(No Primary)																								1			100.0
				(No Secondary)																						1			100.0
					(No Regulation Cite)																					1			100.0
						(No Regulation Detail)																				1			100.0
OTHER												2		1.85			2			1.82		4		3.17		0						0
		GENERAL QUESTIONS										2		100.0			1			50.0		2		50.0
				(No Secondary)								2		100.0			1			100.0		2		100.0
					(No Regulation Cite)							2		100.0			1			100.0		2		100.0
						(No Regulation Detail)						2		100.0			1			100.0		2		100.0
		SAFE DEPOSIT/SAFEKEEPING																				2		50.0
				SERVICE																		2		100.0
					FEES,PART 7.4002																	1		50.0
						(No Regulation Detail)																1		100.0
					SECURITY																	1		50.0
						BOX MOVED																1		100.0
		NONCUSTOMER CHECK CASHING															1			50.0
				(No Secondary)													1			100.0
					(No Regulation Cite)												1			100.0
						(No Regulation Detail)											1			100.0
											108				110						126				186						134
	* Values not shown indicate percentages < 0.1% Comptroller of the Currency - Administrator of National Banks																													Page 15 of 15
																														12/19/2006