On October 31, 2008, JPMorgan Chase & Co. ("JPMorgan Chase" or the "Firm") announced the Chase Foreclosure Prevention Program. Information regarding this Program is included in the exhibits hereto.

The attached exhibits are being furnished pursuant to Item 7.01, and the information contained therein shall not be deemed "filed" for purposes of
Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liabilities under that Section. Furthermore, the information contained in the exhibits shall not be deemed to be incorporated by reference into the filings of the Firm under the Securities Act of 1933.

(c) Exhibits

Exhibit
Number       Description of Exhibit

 99.1        JPMorgan Chase & Co. Press Release, dated October 31, 2008, regarding
             the Chase Foreclosure Prevention Program

 99.2        Chase Foreclosure Prevention Program; Additional Information

The attached exhibits contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are based upon the current beliefs and expectations of JPMorgan Chase's management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements. Factors that could cause JPMorgan Chase's actual results to differ materially from those described in the forward-looking statements can be found in JPMorgan Chase's Current Report on Form 8-K dated September 26, 2008, its Quarterly Reports on Form 10-Q for the quarters ended June 30, 2008, and March 31, 2008, and its Annual Report on Form 10-K for the year ended December 31, 2007, each of which has been filed with the Securities and Exchange Commission and is available on JPMorgan Chase's website (www.jpmchase.com) and on the Securities and Exchange Commission's website (www.sec.gov). JPMorgan Chase does not undertake to update the forward-looking statements to reflect the impact of circumstances or events that may arise after the date of the forward-looking statements.