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Chase Bank

Transcript: Caroline Crump Mortgage Chase Bank Student Services Savings Accounts Chase Bank has helped prevent almost half a million foreclosures with mortgage loan modifications, Chase has a section where you can even apply for assistance if you need help paying your mortgage loans. Chase Bank offers a debit card which has Real-Time fraud monitoring, which they will call you if they see a purchase that is out of character from your normal spending habits to make sure it is yours. This card is accepted at millions of locations worldwide. You can even pay your bills over the phone or online. Bibliography http://www.chase.com Chase Bank offers three types of credit cards with the titles of 'Chase Freedom', 'Slate', and 'Chase Sapphire Preferred'. The Chase Freedom card has several benefits such as 5% cash back every three months on places like gas stations, restaurants, and Amazon.com. You will also earn 1% cash back on all purchases with no limit and there are no annual fees. The Chase Slate card offers 0% APR for 15 months on purchases and balance transfers. You are not required to pay a balance fee when you transfer a balance in the first 60 days your account is open. This card has Fraud Protection which constantly watches for signs of suspicious behavior on the account. Plus there is a $0 annual fee. The Chase Sapphire Preferred card offers 5k additional bonus points when you add the first authorized user and make a purchase in the first three months. You also pay no foreign transaction fee when you use your card on purchases out of country. Chase Bank offers a 'Chase Savings' account which earns interest, FDIC insurance protection, has 20k ATM's nationwide. You also have to keep a balance of at least $300. Chase Credit Cards Chase Bank offers several services for students such as Checking Accounts, Account Alerts, Online Banking, Text Banking, and ATM Locator. Account Alerts will tell you when your transactions or ATM withdrawals exceed your limit, and there is no charge for alerts but data rates may apply. Kate Lakner Chase Debit Card http://www.internetexplorer.com Shae' la Worsley

Chase Bank

Transcript: Chase Bank Freedom Card I think that the Bank of America Cash Rewards card is a better card because you get a $100 cash rewards bonus after you make at least $500 in purchases within 90 days of account opening and 1% cash back on purchases, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter Any Questions? APR: Introductory 0% APR for your first 12 billing cycles for purchasest. After that, a Variable APR that’s currently between 12.99% and 22.99% will apply Annual Fee: None Late Fee: Up to $35 Over the limit fee: N/A Transaction Fees:• Balance Transfers Either $10 or 3% of the amount of each transaction, whichever is greater. • Cash Advances Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater. Grace Period: N/A Rewards for use:Get a $100 cash rewards bonus after you make at least $500 in purchases within 90 days of account opening Other Features:1% cash back on purchases, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter Bank of America Cash Rewards Card The two cards that I decided to use were from Chase Bank and Bank of America. From Chase I chose the freedom car and from Bank of America I chose the rewards card. Intro APR: 0% Intro APR for 15 months on purchases. After the intro period, a variable APR of 13.99%, 18.99% or 22.99% Annual Fee: None Late Fee: Up to $15 if the balance is less than $100; up to $25 if the balance is $100 to less than $250; up to $35 if the balance is $250 or more Over the limit fee: None Transaction Fees: Balance Transfers-Either $5 or 3% of the amount of each transfer, whichever is greater. Cash Advances-Either $10 or 3% of the amount of each transaction, whichever is greater. Grace Period: 21 days Rewards for use: You will get a $100 Bonus after you spend $500 in your first 3 months from account opening. Other Features: 1% Cash Back on all other purchases without limits on what you can earn. Conclusion Freedom Card vs. Rewards Card By: Tia Leaphart

Chase Bank

Transcript: High capital requirements Government regulation Economies of scale Brand recognition/Customer Loyalty Industry Trends Medium-High End result is a unique product: Increase revenue for partners Save customers money (Increased Goodwill) Increase revenue for organization while decreasing cost Improved marketing capabilities and statistical analysis Improved image --Leader in innovation, save members money, etc Differentiation est. 1905 Revenue:US$ 102.694 billion Assets: US$ 2.118 trillion Create smaller, more personal branches Provide extensive training for MSRs and auditors (Cross-selling and Audit) Create foreclosure document execution policies and procedures Use social media to educate Leverage large consumer base information for more focused advertising Target younger audience to create brand loyalty Inbound – Capital Structure, Alliance Partners, Regulatory Agencies Operations – Deposits, Payment processing, Loans, Credit Cards Outbound - Branch Store, Telephone Banking, ATM’s , Mail Marketing/Sales - New Accounts, Branding, Cross Selling, Public Relations Service – Banking/ Investment products, Business/Wealth Mgt Services, Lobby Services Firm Infrastructure - Asset/Liability Mgt, Risk Mgt, Strategic Planning HR - Recruiting, Training, Performance Management, Incentives Technology – CRM, Operations efficiencies, Positioning Procurement – Strategic Sourcing, Vendor Selection Recommendations External Analysis O High Washington Mutual Chemical Bank Supplier Power Plethora of suppliers Cost relative to total purchases in industry is high Importance of sale to supplier Clearing houses (low-medium) Bank of the Manhattan Co. second largest bank by market capitalization 6335 Retail branches 12,000 ATM's 280,000 employees merged 1961 Internal Analysis Have good corporate responsibility Serve consumers and institutions Developing Communities Global Philanthropy Being Diverse Being aware of environmentally impact Competitive Rivalry ARENAS – Currently active across the United States. About 5,100 branches nationwide. Target Market is consumers and businesses. VEHICLES – Subsidiary of JPMorganChase. Merged with JP Morgan in 2000. Merged with Bank One Corporation in 2004. Bought out Washington Mutual in 2008. STAGING – CHASE will expand wherever it feels it will benefit their customers. Plan on being very aggressive in adding additional branches in the next 3-5 yrs. DIFFERENTIATORS – State of the art financial capabilities via technology. Very convenient for those on travel. Offer various Checking Services, Free Mobile Banking, etc. ECONOMIC LOGIC – One of their many sources of income comes from the financial service that they provide. Political/Legal Segment Antitrust laws Bank Merger Act of 1960 Bank Holding Company Act of 1956 Sherman Antitrust Act of 1890 Clayton Act of 1914 Deregulation Gramm-Leach-Bliley Act Technological Segment ATM Online banking Mobile banking Global Segment Diverse clientele Operate in multiple countries acquired 2004 J.P. Morgan & Co. Use extensive network of partners to generate additional revenue to offset losses due to government regulations Chemical Bank Be at the top of its category by offering excellent consumer and business banking services : (Home , Auto, Education finance, Commercial real estate, and business credit). Achieving Operational Excellence by : keeping a strong balance sheet during good and bad economic times, and implementing the best operations systems. Maintaining great working teams by : hiring, training and retaining employees with great ethical mindsets and offering great incentives in exchange for good performance. merged 1986 Very High Use social media to advertise, therefore lowering marketing expenses Buyer Power Low switching cost Brand identity Price Sensitivity Low Product differentiation merged 1995 Major Objectives General Environment est. 1799 Texas Commerce Bank Bear Stearns & Co. est. 1873 Brenda Davila Anthony Ochoa Carlo Fernandez Mauro Martinez Mark Khan Alternative Strategies Revenue: $85.210 billion Assets: $1.258 trillion General Environment Chase National Bank of the City of N.Y Develop policies and procedures for a more stringent loan screening process Questions Trouble differentiating from others Expensive advertising expense/average effectiveness. Technological advancement = Security concern Weak screening/oversight Less traffic in branches Government regulation Bank One Support Activities Chase Manhattan Bank 5 Elements of Strategy S S-O W-O Strategic Issues & Problems Hanover Bank Buyer inclination to substitute High number of credit unions/small banks International banks Investment groups Self merged 1991 est. 1823 Bank of America is the 5th largest company 6100 Retail branches 18,700 ATM's 288,000 employees Threat of New Entrants Take advantage of mobile trend Research/Develop/Implement Near Field Communication Technology (NFC) Phase out credit/debit cards Decrease overhead Offset possible loss from government regulation(s) Track purchase

Chase Bank

Transcript: CHASE Bank "Where banking becomes easy" What is our culture? We ensure that at CHASE Bank you will receive quality customer service. Online banking is easy to learn and easy to use and our investment teams are spot on and know how to make your money grow, even in a recession. You will only have good experiences with CHASE Customer Service. If you have trouble with any accounts or investments, just walk in or give us a call and we will be quick to help. CHASE traces its history back to the founding of The Manhattan Company by Aaron Burr in September of 1799, in a house at 40 Wall Street SWOT Strengths Locations and Businesses placed all over the city and country - Stays personal with their customers and made an easy change from Washington Mutual over to CHASE. Weaknesses A ton of fees - $25 fee if you close each of your accounts (If it has been open for less than 90 days) Opportunities Provide trustworthy outlook and a very stable company. There are many followers aross the United States. The system is user friendly. Efficient tellers treat customers friendly and respectfully. Threats The company faces threats from numbers of competitors because of operations in over 50 countries, both globally and regionally. The fact that IBM could supply its services for numerous companies of the size of CHASE and hence, increase their competitiveness. Aspire to be the best At CHASE, we want to be the best financial serves company in the world. Because of our great heritage and excellent platform, we believe this within our reach. We cannot promise specific outcomes or risk-free results. What we can promise is to share the truth, and offer honest assessments of our businessses and our prospects; act with integrity and honor; do the right thing, not necessarily the easy or expedient thing; and work with fierce resolve to make this a company of which our shareholders, employees, customers and communities can be proud. Executive Officers James Dimon *Chairman and Cheif Executive Officer Frank J. Bisignano *Chief Administrative Officer and Home Lending Philip F. Bleser * Global Corporate Bank John L. Donnelly *Human Resources Many customers are scared and uneasy that the company's terms and policies will change drastically in the near future. CHASE strives to maintain their business by not changing and to keep followers all across the United States. Why CHASE?I switched from Bank of America because in a personal opinion, they don't know what they are doing and I had several issues with them. Yes, Chase has fees, but unlike many banks, including Bank of America and Ally, there are loop holes around the fees. They have certain checking accounts with options to avoid fee charges. For me I have the option of depositing $500/month to avoid the fees, or make sure that I have $1500 in my checking account to avoid fees. This works perfectly for me. Our company was built with hard work over 200 years. We would like to create a company thatall can be proud of, and we are confident that, working together, we will build the best financialservices company in the world.Certain principles are so fundamental to our success that we would like to describe them in somedetail. If we can adhere to these principles – and they are not in order of importance – we willreach our goal of becoming the best financial services company in the world. We also hope theywill give you a roadmap on how and why we make our decisions. description description (cc) photo by Jakob Montrasio Actions to Achieve - Build a great team and a winning culture Eventually, it all comes down to people. Creating a winning team and a self- sustaining culture takes hard work, and there is no substitute for it. Teams do not win because they have a new stadium for the best uniforms. Some of the best teams do not even have the best individual athletes. Teams win because they are disciplined, they work well together, they execute consistently and they have a passion to win. John L. Donnelly*Human ResourcesIna R. Drew*Chief Investment OfficerMary Callahan Erdoes*Asset Management History Frank J. Bisignano* Chief Administrative Officer and Home Lending Casey, Ramses, Roy description Human Resources James Dimon*Chairman and Chief Executive Officer

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