North America shareholders

Trading in American Depositary Shares (ADSs), as opposed to ordinary shares, permits US residents to trade in US dollars in the US securities markets with US securities dealers, in the same way as they trade any US securities, American Depositary Receipts (ADRs) are issued by JPMorgan Chase Bank.

US ADR holders may contact:

JPMorgan Chase Bank (JPMorgan ADR Service Center)

For general inquiries between 8.30am and 5.00pm EST

Tel 1-800-634-8366 (toll free in the USA and Canada) or
Tel 1-201-680-6630 (from outside the USA and Canada) or
send an e-mail to jpmorganadr@mellon.com

For copies of the Global Invest Direct (direct purchase plan):

Tel 1-800 749 1687 (Toll free in the USA and Canada)

For general correspondence (other than overnight delivery):

JPMorgan Service Center
P.O. Box 358409
Pittsburg, PA
15252-8409 USA

Overnight mail should be delivered to :

JPMorgan Service Center
Newport Office Center VII
480 Washington Boulevard
27th Floor
Jersey City, NJ 07310

Stock certificates should be delivered to :

JPMorgan Service Center
P.O. Box 358409
Pittsburg, PA
15252-8409 USA

The JPMorgan ADR Service Center should be contacted for any name and address changes, transfer of stock, the consolidation of accounts, historical and current share balances as well as issuance dates. The JPMorgan ADR Service Center also handles the replacement of lost certificates, the reissuance of dividend checks, and the direct deposit of dividends.

Or visit www.adr.com/shareholder.

Canadian ADR holders may write or telephone:

CIBC Mellon Trust Company
P.O. Box 7010
Adelaide Street Postal Station
Toronto ON M5C 2W9
CANADA

Tel: 1 800 387 0825 or 1 (416) 643 5500
Fax: (416) 643 5501

email inquiries@cibcmellon.com 
website www.cibcmellon.com 

Shareholder documents

Investors requiring printed copies of the Annual Report & Form 20-F or the Annual Review & Notice of Meeting 2007 should contact the JPMorgan ADR Service Center between 8.30am and 5.00pm EST

Tel 1-800-634-8366 (toll free in the USA and Canada) or
Tel 1-201-680-6630 (from outside the USA and Canada) or
send an e-mail to jpmorganadr@mellon.com