bankOne
<font size="4" face="Times New Roman">=</font><div><font size="4" face="Times New Roman">
</font></div><div><font size="4" face="Times New Roman">=</font></div><div><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation"><font size="4" face="Times New Roman" color="#000000">https://en.wikipedia.org/wiki/Bank_One_Corporation</font></a></div><div><font size="4" face="Times New Roman" style="background-color: rgb(255, 255, 102);">
</font></div><div><p style="margin: 0.5em 0px; line-height: inherit;"><font size="4" face="Times New Roman" style=""><span style="background-color: rgb(255, 255, 102);"><b style="">Bank One Corporation</b> was the sixth-largest bank in the United States</span><span style="background-color: rgb(255, 255, 255);">. It traded on the </span><a href="https://en.wikipedia.org/wiki/New_York_Stock_Exchange" title="New York Stock Exchange" style="background: none; text-decoration-line: none;">New York Stock Exchange</a><span style="background-color: rgb(255, 255, 255);"> under the </span><a href="https://en.wikipedia.org/wiki/Stock_symbol" class="mw-redirect" title="Stock symbol" style="background: none; text-decoration-line: none;">stock symbol</a><span style="background-color: rgb(255, 255, 255);"> ONE. <b>The company merged with </b></span><a href="https://en.wikipedia.org/wiki/JPMorgan_Chase%26_Co." class="mw-redirect" title="JPMorgan Chase & Co." style="background: none; text-decoration-line: none;"><b>JPMorgan Chase & Co.</b></a><span style="background-color: rgb(255, 255, 255);"><b> on July 1, 2004. </b>The company had its headquarters in the Bank One Plaza (now the </span><a href="https://en.wikipedia.org/wiki/Chase_Tower(Chicago)" title="Chase Tower (Chicago)" style="background: none; text-decoration-line: none;">Chase Tower</a><span style="background-color: rgb(255, 255, 255);">) in the </span><a href="https://en.wikipedia.org/wiki/Chicago_Loop" title="Chicago Loop" style="background: none; text-decoration-line: none;">Chicago Loop</a><span style="background-color: rgb(255, 255, 255);"> in </span><a href="https://en.wikipedia.org/wiki/Chicago" title="Chicago" style="background: none; text-decoration-line: none;">Chicago</a><span style="background-color: rgb(255, 255, 255);">, </span><a href="https://en.wikipedia.org/wiki/Illinois" title="Illinois" style="background: none; text-decoration-line: none;">Illinois</a><span style="background-color: rgb(255, 255, 255);">,</span><sup id="cite_ref-1" class="reference" style="background-color: rgb(255, 255, 255); line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-1" style="text-decoration-line: none; background: none;">[1]</a></sup><span style="background-color: rgb(255, 255, 255);">now the headquarters of </span><a href="https://en.wikipedia.org/wiki/Chase_Bank" title="Chase Bank" style="background: none; text-decoration-line: none;">Chase's retail banking division</a><span style="background-color: rgb(255, 255, 255);">.</span></font></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);"><font size="4" face="Times New Roman">The bank traces its roots to the Ohio-based <b>First Banc Group</b>, that was formed in 1968 as a holding company for the City National Bank in <a href="https://en.wikipedia.org/wiki/Columbus,Ohio" title="Columbus, Ohio" style="text-decoration-line: none; background: none;">Columbus</a>, <a href="https://en.wikipedia.org/wiki/Ohio" title="Ohio" style="text-decoration-line: none; background: none;">Ohio</a>.<sup id="cite_ref-wsj-1971jan27_2-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1971jan27-2" style="text-decoration-line: none; background: none;">[2]</a></sup></font></p><div id="toc" class="toc" style="border: 1px solid rgb(162, 169, 177); background-color: rgb(248, 249, 250); padding: 7px; display: table; zoom: 1;"><input type="checkbox" role="button" id="toctogglecheckbox" class="toctogglecheckbox" style="direction: ltr; position: absolute; opacity: 0; z-index: -1; display: none;" /><div class="toctitle" lang="en" dir="ltr" style="direction: ltr; text-align: center;">
</div><ul style="margin: 0.3em 0px; padding: 0px; list-style-image: none; list-style-type: none;"><li class="toclevel-1 tocsection-1" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#History" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">History</span></font></a><ul style="margin: 0px 0px 0px 2em; padding: 0px; list-style-image: none; list-style-type: none;"><li class="toclevel-2 tocsection-2" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#First_Banc_Group" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.1</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">First Banc Group</span></font></a></li><li class="toclevel-2 tocsection-3" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansions_by_Banc_One" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansions by Banc One</span></font></a><ul style="margin: 0px 0px 0px 2em; padding: 0px; list-style-image: none; list-style-type: none;"><li class="toclevel-3 tocsection-4" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_in_central_Ohio_by_Banc_One_Corp." style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.1</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion in central Ohio by Banc One Corp.</span></font></a></li><li class="toclevel-3 tocsection-5" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Early_expansion_outside_Ohio" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.2</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Early expansion outside Ohio</span></font></a></li><li class="toclevel-3 tocsection-6" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Early_expansion_into_Michigan" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.3</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Early expansion into Michigan</span></font></a></li><li class="toclevel-3 tocsection-7" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_Wisconsin" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.4</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into Wisconsin</span></font></a></li><li class="toclevel-3 tocsection-8" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_Texas" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.5</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into Texas</span></font></a></li><li class="toclevel-3 tocsection-9" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_Illinois" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.6</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into Illinois</span></font></a></li><li class="toclevel-3 tocsection-10" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Later_expansion_into_Kentucky" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.7</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Later expansion into Kentucky</span></font></a></li><li class="toclevel-3 tocsection-11" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_the_western_states" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.8</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into the western states</span></font></a></li><li class="toclevel-3 tocsection-12" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_West_Virginia" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.9</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into West Virginia</span></font></a></li><li class="toclevel-3 tocsection-13" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_Oklahoma" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.10</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into Oklahoma</span></font></a></li><li class="toclevel-3 tocsection-14" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Expansion_into_Louisiana" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.2.11</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Expansion into Louisiana</span></font></a></li></ul></li><li class="toclevel-2 tocsection-15" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Acquisition_of_First_USA" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.3</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Acquisition of First USA</span></font></a><ul style="margin: 0px 0px 0px 2em; padding: 0px; list-style-image: none; list-style-type: none;"><li class="toclevel-3 tocsection-16" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#History_of_First_USA_before_Banc_One" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.3.1</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">History of First USA before Banc One</span></font></a></li><li class="toclevel-3 tocsection-17" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#History_of_First_USA_after_the_acquisition_by_Banc_One" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.3.2</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">History of First USA after the acquisition by Banc One</span></font></a></li></ul></li><li class="toclevel-2 tocsection-18" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#History_of_Bank_One_Corporation" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.4</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">History of Bank One Corporation</span></font></a></li><li class="toclevel-2 tocsection-19" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#Private_equity" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">1.5</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">Private equity</span></font></a></li></ul></li><li class="toclevel-1 tocsection-20" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#See_also" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">2</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">See also</span></font></a></li><li class="toclevel-1 tocsection-21" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#References" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">3</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">References</span></font></a></li><li class="toclevel-1 tocsection-22" style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#External_links" style="text-decoration-line: none; background: none;"><font size="4" face="Times New Roman" color="#000000"><span class="tocnumber" style="display: table-cell; text-decoration: inherit; padding-left: 0px; padding-right: 0.5em;">4</span><span class="toctext" style="display: table-cell; text-decoration: inherit;">External links</span></font></a></li></ul></div><h2 style="background: none rgb(255, 255, 255); font-weight: normal; margin: 1em 0px 0.25em; overflow: hidden; padding: 0px; border-bottom: 1px solid rgb(162, 169, 177); font-family: " linux="Linux" libertine="Libertine" georgia="Georgia" times="Times" serif="serif" line-height="line-height"><font size="4" face="Times New Roman"><span class="mw-headline" id="History">History</span><span class="mw-editsection" style="user-select: none; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=1" title="Edit section: History" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></font></h2><h3 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><font size="4" face="Times New Roman"><span class="mw-headline" id="First_Banc_Group">First Banc Group</span><span class="mw-editsection" style="user-select: none; font-weight: normal; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=2" title="Edit section: First Banc Group" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></font></h3><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);"><font size="4" face="Times New Roman">The First Banc Group, Inc. was formed in 1968 as a holding company for <i>City National Bank</i> and was used as a vehicle to acquire other banks. As Ohio began to gradually relax its very restrictive <a href="https://en.wikipedia.org/wiki/Great_Depression" title="Great Depression" style="text-decoration-line: none; background: none;">Great Depression</a> era banking laws that had severely restricted bank branching and ownership, City National Bank, through its First Banc Group parent, started to purchase banks outside of its home county. The first acquisition by the new bank holding company was the 1968 acquisition of the <i>Farmers Saving & Trust Company</i> in <a href="https://en.wikipedia.org/wiki/Mansfield,Ohio" title="Mansfield, Ohio" style="text-decoration-line: none; background: none;">Mansfield, Ohio</a>.<sup id="cite_ref-wsj-1971jan27_2-1" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1971jan27-2" style="text-decoration-line: none; background: none;">[2]</a></sup> With each acquisition, new member banks kept their name, employees, and management while obtaining new resources from the parent holding company. This is very important when the bank holding company was expanding into primarily rural and extremely conservative markets.</font></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);"><font size="4" face="Times New Roman">In 1971, First Banc acquired Security Central National in <a href="https://en.wikipedia.org/wiki/Portsmouth,Ohio" title="Portsmouth, Ohio" style="text-decoration-line: none; background: none;">Portsmouth, Ohio</a>.<sup id="cite_ref-wsj-1971may04_3-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1971may04-3" style="text-decoration-line: none; background: none;">[3]</a></sup></font></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);"><font size="4" face="Times New Roman">Initially, Ohio law did not permit bank mergers across county lines but allowed bank holding companies to own multiple banks across the state with some geographical restrictions. The newly acquired banks had to maintain their existing banking charters while each bank had to operate separately. Holding companies also were not allowed to have the word "bank" in their names so the word "banc" was used in its place.</font></p><h3 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><span class="mw-headline" id="Expansions_by_Banc_One"><font size="4" face="Times New Roman">Expansions by Banc One</font></span></h3></div><div><span class="mw-headline"><font size="4" face="Times New Roman">...</font></span></div><div><span class="mw-headline"><font size="4" face="Times New Roman" /><h3 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><font size="4" face="Times New Roman"><span class="mw-headline" id="Acquisition_of_First_USA">Acquisition of First USA</span><span class="mw-editsection" style="user-select: none; font-weight: normal; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=15" title="Edit section: Acquisition of First USA" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></font></h3><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">In 1997, Banc One decided to expand its national credit card business by acquiring the Dallas-based First USA for $7.9 billion in stock.<sup id="cite_ref-prn-1997jun27_96-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-prn-1997jun27-96" style="text-decoration-line: none; background: none;">[96]</a></sup><sup id="cite_ref-cnn-1997jan20_97-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-cnn-1997jan20-97" style="text-decoration-line: none; background: none;">[97]</a></sup><sup id="cite_ref-nyt-1997jan20_98-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-nyt-1997jan20-98" style="text-decoration-line: none; background: none;">[98]</a></sup> Prior to this acquisition, most Bank One credit card accounts were issued and serviced by the various local Bank One banks. For example, most Bank One Indianapolis customers had credit cards that were issued and serviced by Bank One Indianapolis via the former American Fletcher credit card center prior to the acquisition.</p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">Unfortunately for Banc One and especially for John B. McCoy, First USA would later cause problems for its new parent by generating unexpected loses that were caused by mismanagement and by questionable decisions that were made in the attempt to increase profitability.<sup id="cite_ref-bs-1999dec22_99-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-bs-1999dec22-99" style="text-decoration-line: none; background: none;">[99]</a></sup></p><h4 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><span class="mw-headline" id="History_of_First_USA_before_Banc_One">History of First USA before Banc One</span><span class="mw-editsection" style="user-select: none; font-weight: normal; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=16" title="Edit section: History of First USA before Banc One" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></h4><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">First USA original was originally formed in Dallas as a subsidiary of MCorp that was called <b>MNet</b> that was formed in 1985 to handle the back end work for providing credit cards, electronic banking, and other consumer services through member banks of the Texas bank holding company.<sup id="cite_ref-ab-1985june13_100-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-ab-1985june13-100" style="text-decoration-line: none; background: none;">[100]</a></sup> To issue credit cards, MCorp (via MNet) established a credit card issuing bank in Wilmington, Delaware, called <b>MBank USA</b>.<sup id="cite_ref-tmn-1985oct27_101-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-tmn-1985oct27-101" style="text-decoration-line: none; background: none;">[101]</a></sup> Although, the MNet division was generating a profit, the rest of MCorp began suffering huge loses when customer began to default on their mortgage payments that were the result of the economic downturn that just began in Texas. In attempt to save itself, MCorp sold MNet to Lomas & Nettleton Financial Corporation the following year for $300 million in cash and securities.<sup id="cite_ref-nyt-1986nov18_102-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-nyt-1986nov18-102" style="text-decoration-line: none; background: none;">[102]</a></sup><sup id="cite_ref-dmn-1986nov18_103-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1986nov18-103" style="text-decoration-line: none; background: none;">[103]</a></sup></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">After the acquition by Lomas, MNet was renamed <b>Lomas Bankers Corp.</b> and MBank USA was renamed <b>Lomas Bank USA</b>.<sup id="cite_ref-wsj-1987sep17_104-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1987sep17-104" style="text-decoration-line: none; background: none;">[104]</a></sup><sup id="cite_ref-dmn-1987sep17_105-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1987sep17-105" style="text-decoration-line: none; background: none;">[105]</a></sup> Under Lomas, the credit card company aggressively acquired new customers by purchasing credit card accounts from other credit card issuers. In 1987, Lomas Bank USA acquired 230,000 accounts from two banks in Louisiana,<sup id="cite_ref-wsj-1987apr16_106-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1987apr16-106" style="text-decoration-line: none; background: none;">[106]</a></sup> 23,000 accounts from a bank in Amarillo,<sup id="cite_ref-wsj-1987apr30_107-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1987apr30-107" style="text-decoration-line: none; background: none;">[107]</a></sup> 260,000 accounts from two banks in Oklahoma,<sup id="cite_ref-dmn-1987jul23_108-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1987jul23-108" style="text-decoration-line: none; background: none;">[108]</a></sup><sup id="cite_ref-wsj-1987jul23_109-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1987jul23-109" style="text-decoration-line: none; background: none;">[109]</a></sup> and 90,000 accounts from a bank in San Antonio.<sup id="cite_ref-dmn-1987feb21_110-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1987feb21-110" style="text-decoration-line: none; background: none;">[110]</a></sup> In 1988, Lomas acquired 80,000 accounts from a bank in New York.<sup id="cite_ref-wsj-1988mar31_111-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1988mar31-111" style="text-decoration-line: none; background: none;">[111]</a></sup> In 1989, Lomas & Nettleton Financial was in financial trouble and was forced to sell its credit card division. Lomas sold Lomas Bankers Corp. and Lomas Bank USA to an investor group led by <a href="https://en.wikipedia.org/wiki/Bank_of_America_Merrill_Lynch" class="mw-redirect" title="Bank of America Merrill Lynch" style="text-decoration-line: none; background: none;">Merrill Lynch Capital Partners</a> for $500 million in cash and preferred stock.<sup id="cite_ref-nyt-1989jun09_112-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-nyt-1989jun09-112" style="text-decoration-line: none; background: none;">[112]</a></sup><sup id="cite_ref-dmn-1989aug10_113-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1989aug10-113" style="text-decoration-line: none; background: none;">[113]</a></sup><sup id="cite_ref-dmn-1989oct13_114-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1989oct13-114" style="text-decoration-line: none; background: none;">[114]</a></sup></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">After the sale to the consortium led by Merrill Lynch, Lomas Bankers Corp. was renamed First USA, Inc. and Lomas Bank USA was renamed First USA Bank.<sup id="cite_ref-dmn-1989oct13_114-1" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1989oct13-114" style="text-decoration-line: none; background: none;">[114]</a></sup> At the time of the Merrill Lynch acquisition in 1989, Lomas Bankers/First USA was the 11th-largest issuer of credit cards in the nation.</p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">In 1992, First USA decided to reduce some of their debt by going public by selling stock. First attempt to sell stock occurred in late January,<sup id="cite_ref-dmn-1992jan26_115-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1992jan26-115" style="text-decoration-line: none; background: none;">[115]</a></sup> but the offer was quickly withdrawn because the stock market had dropped too low. A more successful attempt was made four months later in which $43 million was raised in the stock sale.<sup id="cite_ref-dmn-1992may28_116-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1992may28-116" style="text-decoration-line: none; background: none;">[116]</a></sup> At the time of the IPO in 1992, First USA was the 14th-largest issuer of credit cards in the nation.</p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">Most of the growth of the company during the 1980s and early 1990s were the results from the acquisition of credit cards accounts from banks needed to sell some assets for quick cash to stave off insolvency or from banks that had decided to cease issuing and servicing their own credit cards accounts because they either could not compete with the much larger credit card issuers such as First USA. As more bank credit card accounts became concentrated in a few large issuers during the 1990s, fewer banks had credit card accounts to sell, so large issuers were forced to switched to direct marketing as the means to obtain more cardholders. In the process, those issuers started to offer no annual fee cards with introductory interest rates that quickly increase after a set time which led to fierce competition among the remaining credit card issuers, especially in the fight in attracting the most lucrative customer, the ones who routinely maintain large monthly revolving balances, and are the same customers who could cause problems for the bank if the local economy turns sour. <sup id="cite_ref-wsj-1989may22_117-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-wsj-1989may22-117" style="text-decoration-line: none; background: none;">[117]</a></sup></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">At this time, First USA was generating profits as high as nearly 25 percent return on its owners' investment, which was phenomenal since a return of 1 percent of its assets is usually considered great for most other sectors of banking.<sup id="cite_ref-dmn-1992jan26_115-1" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-dmn-1992jan26-115" style="text-decoration-line: none; background: none;">[115]</a></sup> The high rate of return was one of the factors that attracted Banc One to the acquisition of First USA.</p><h4 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><span class="mw-headline" id="History_of_First_USA_after_the_acquisition_by_Banc_One">History of First USA after the acquisition by Banc One</span><span class="mw-editsection" style="user-select: none; font-weight: normal; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=17" title="Edit section: History of First USA after the acquisition by Banc One" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></h4><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">Banc One first announced the proposed acquisition of First USA in January 1997.<sup id="cite_ref-sfss-1997jan21_118-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-sfss-1997jan21-118" style="text-decoration-line: none; background: none;">[118]</a></sup> Wall Street reaction to news caused Banc One's stock to drop 8%.<sup id="cite_ref-sfss-1997jan21_118-1" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-sfss-1997jan21-118" style="text-decoration-line: none; background: none;">[118]</a></sup> First USA was the fourth-biggest credit card issuer in the nation at the time of the announcement.<sup id="cite_ref-sfss-1997jan21_118-2" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-sfss-1997jan21-118" style="text-decoration-line: none; background: none;">[118]</a></sup> The acquisition was finalized six months later.<sup id="cite_ref-prn-1997jun27_96-1" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-prn-1997jun27-96" style="text-decoration-line: none; background: none;">[96]</a></sup> First USA Chairman and co-founder (in 1985) John Tolleson was appointed a Banc One director while First USA president and co-founder Richard Vague was appointed chairman and CEO of First USA.<sup id="cite_ref-sfss-1997jan21_118-3" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-sfss-1997jan21-118" style="text-decoration-line: none; background: none;">[118]</a></sup></p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">After the acquisition, First USA began to integrate Banc One's credit card accounts into First Card and began policies that made many longtime Bank One customers angry, such reducing or eliminating grace periods, raising fees and interest rates, and creating delays in posting payments to accounts in such a way that might trigger late fees. One method used to cause payment posting delays was to was to have customers submit payments by mail to a more distant payment center (such as having Ohio customers send their payments to an Arizona address instead of an address in Ohio or even Illinois) or intentionally understaff select payment centers so that it was not possible to process payments very quickly.</p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">These tactics generated consumer complaints which resulted in a number of lawsuits and may have encouraged some customers to move their banking business to another bank.</p><h3 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><span class="mw-headline" id="History_of_Bank_One_Corporation">History of Bank One Corporation</span><span class="mw-editsection" style="user-select: none; font-weight: normal; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=18" title="Edit section: History of Bank One Corporation" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></h3><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">In 1998, Banc One Corporation merged with Chicago-based <i><a href="https://en.wikipedia.org/wiki/First_Chicago_Bank" title="First Chicago Bank" style="text-decoration-line: none; background: none;">First Chicago NBD</a></i> -the result of the 1995 merger of <a href="https://en.wikipedia.org/wiki/First_Chicago_Bank" title="First Chicago Bank" style="text-decoration-line: none; background: none;">First Chicago Corp.</a> and <a href="https://en.wikipedia.org/wiki/National_Bank_of_Detroit" title="National Bank of Detroit" style="text-decoration-line: none; background: none;">NBD Bancorp</a>, two large banking companies who had themselves been created through the merger of many banks<sup id="cite_ref-nyt-1995jul13_119-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-nyt-1995jul13-119" style="text-decoration-line: none; background: none;">[119]</a></sup><sup id="cite_ref-ct-1995oct21_120-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-ct-1995oct21-120" style="text-decoration-line: none; background: none;">[120]</a></sup>)- to form Bank One Corporation, and moved its headquarters from Columbus to Chicago.<sup id="cite_ref-121" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-121" style="text-decoration-line: none; background: none;">[121]</a></sup> Adverse financial results led to the departure of CEO <a href="https://en.wikipedia.org/wiki/John_B.McCoy" title="John B. McCoy" style="text-decoration-line: none; background: none;">John B. McCoy</a>, whose father and grandfather had headed Banc One and predecessors. <a href="https://en.wikipedia.org/wiki/Jamie_Dimon" title="Jamie Dimon" style="text-decoration-line: none; background: none;">Jamie Dimon</a>, a former key executive of <a href="https://en.wikipedia.org/wiki/Citigroup" title="Citigroup" style="text-decoration-line: none; background: none;">Citigroup</a>, was brought in to head the company.</p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">In 1998, Bank One paid $66 million for the <a href="https://en.wikipedia.org/wiki/Naming_rights" title="Naming rights" style="text-decoration-line: none; background: none;">naming rights</a> for 30 years to a newly constructed ballpark in <a href="https://en.wikipedia.org/wiki/Phoenix,_Arizona" title="Phoenix, Arizona" style="text-decoration-line: none; background: none;">Phoenix,</a> which was built for the <a href="https://en.wikipedia.org/wiki/Major_League_Baseball" title="Major League Baseball" style="text-decoration-line: none; background: none;">Major League Baseball</a> <a href="https://en.wikipedia.org/wiki/Expansion_team" title="Expansion team" style="text-decoration-line: none; background: none;">expansion team</a> <a href="https://en.wikipedia.org/wiki/Arizona_Diamondbacks" title="Arizona Diamondbacks" style="text-decoration-line: none; background: none;">Arizona Diamondbacks</a>.<sup id="cite_ref-ppg-1998aug05_122-0" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-ppg-1998aug05-122" style="text-decoration-line: none; background: none;">[122]</a></sup> The retractable roof stadium was called <a href="https://en.wikipedia.org/wiki/Chase_Field" title="Chase Field" style="text-decoration-line: none; background: none;">Bank One Ball Park</a>, and was ultimately renamed '''Chase Field''' in 2005.</p><h3 style="background: none rgb(255, 255, 255); margin: 0.3em 0px 0px; overflow: hidden; padding-top: 0.5em; padding-bottom: 0px; border-bottom: 0px; line-height: 1.6;"><span class="mw-headline" id="Private_equity">Private equity</span><span class="mw-editsection" style="user-select: none; font-weight: normal; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=19" title="Edit section: Private equity" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></h3><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">In 2001, Dimon selected former colleague Dick Cashin, from <a href="https://en.wikipedia.org/wiki/Court_Square_Capital_Partners" title="Court Square Capital Partners" style="text-decoration-line: none; background: none;">Citicorp Venture Capital</a> to run a new private equity effort within Bank One, <a href="https://en.wikipedia.org/wiki/One_Equity_Partners" title="One Equity Partners" style="text-decoration-line: none; background: none;">One Equity Partners</a>. Dick Cashin is the brother of Steven Cashin, founder and CEO of Pan African Capital Group, based in Washington, D.C.</p><p style="margin: 0.5em 0px; line-height: inherit; background-color: rgb(255, 255, 255);">In 2005, Bank One's private equity affiliate, <a href="https://en.wikipedia.org/wiki/One_Equity_Partners" title="One Equity Partners" style="text-decoration-line: none; background: none;">One Equity Partners</a> was selected to be the exclusive private equity affiliate for the combined firm, prompting the spinout of JPMorgan's private equity affiliate, which is today <a href="https://en.wikipedia.org/wiki/CCMP_Capital" title="CCMP Capital" style="text-decoration-line: none; background: none;">CCMP Capital</a>.<sup id="cite_ref-123" class="reference" style="line-height: 1; unicode-bidi: isolate; white-space: nowrap;"><a href="https://en.wikipedia.org/wiki/Bank_One_Corporation#cite_note-123" style="text-decoration-line: none; background: none;">[123]</a></sup></p><h2 style="background: none rgb(255, 255, 255); font-weight: normal; margin: 1em 0px 0.25em; overflow: hidden; padding: 0px; border-bottom: 1px solid rgb(162, 169, 177); line-height: 1.3;"><span class="mw-headline" id="See_also">See also</span><span class="mw-editsection" style="user-select: none; margin-left: 1em; vertical-align: baseline; line-height: 1em; white-space: nowrap; unicode-bidi: isolate;"><span class="mw-editsection-bracket" style="margin-right: 0.25em;">[</span><a href="https://en.wikipedia.org/w/index.php?title=Bank_One_Corporation&action=edit§ion=20" title="Edit section: See also" style="text-decoration-line: none; background: none;">edit</a><span class="mw-editsection-bracket" style="margin-left: 0.25em;">]</span></span></h2><div role="navigation" aria-label="Portals" class="noprint portal plainlist tright" style="clear: right; float: right; margin: 0.5em 0px 0.5em 1em; background-color: rgb(255, 255, 255); border: 1px solid rgb(170, 170, 170);"><ul style="margin: 0px; padding: 0.1em; list-style: none none; line-height: 13.09px; display: table; box-sizing: border-box; max-width: 175px; background: rgb(249, 249, 249); font-style: italic; font-weight: bold;"><li style="margin-bottom: 0px; display: table-row;"><span style="display: table-cell; padding: 0.2em; vertical-align: middle; text-align: center;"><img alt="" src="https://upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Seal_of_Chicago%2C_Illinois.svg/28px-Seal_of_Chicago%2C_Illinois.svg.png" decoding="async" width="28" height="28" class="noviewer" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Seal_of_Chicago%2C_Illinois.svg/42px-Seal_of_Chicago%2C_Illinois.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Seal_of_Chicago%2C_Illinois.svg/56px-Seal_of_Chicago%2C_Illinois.svg.png 2x" data-file-width="460" data-file-height="460" style="border: 0px; vertical-align: middle;" /></span><span style="display: table-cell; padding: 0.2em 0.2em 0.2em 0.3em; vertical-align: middle;"><a href="https://en.wikipedia.org/wiki/Portal:Chicago" title="Portal:Chicago" style="text-decoration-line: none; background: none;">Chicago portal</a></span></li><li style="margin-bottom: 0px; display: table-row;"><span style="display: table-cell; padding: 0.2em; vertical-align: middle; text-align: center;"><img alt="flag" src="https://upload.wikimedia.org/wikipedia/commons/thumb/0/01/Flag_of_Illinois.svg/32px-Flag_of_Illinois.svg.png" decoding="async" width="32" height="19" class="noviewer thumbborder" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/0/01/Flag_of_Illinois.svg/48px-Flag_of_Illinois.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/0/01/Flag_of_Illinois.svg/64px-Flag_of_Illinois.svg.png 2x" data-file-width="1000" data-file-height="600" style="border: 1px solid rgb(234, 236, 240); vertical-align: middle;" /></span><span style="display: table-cell; padding: 0.2em 0.2em 0.2em 0.3em; vertical-align: middle;"><a href="https://en.wikipedia.org/wiki/Portal:Illinois" title="Portal:Illinois" style="text-decoration-line: none; background: none;">Illinois portal</a></span></li><li style="margin-bottom: 0px; display: table-row;"><span style="display: table-cell; padding: 0.2em; vertical-align: middle; text-align: center;"><img alt="" src="https://upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Industry5.svg/28px-Industry5.svg.png" decoding="async" width="28" height="28" class="noviewer" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Industry5.svg/42px-Industry5.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Industry5.svg/56px-Industry5.svg.png 2x" data-file-width="512" data-file-height="512" style="border: 0px; vertical-align: middle;" /></span><span style="display: table-cell; padding: 0.2em 0.2em 0.2em 0.3em; vertical-align: middle;"><a href="https://en.wikipedia.org/wiki/Portal:Companies" title="Portal:Companies" style="text-decoration-line: none; background: none;">Companies portal</a></span></li></ul></div><ul style="margin: 0.3em 0px 0px 1.6em; padding: 0px; list-style-image: url("data:image/svg+xml,%3Csvg xmlns=%22http://www.w3.org/2000/svg%22 width=%225%22 height=%2213%22%3E %3Ccircle cx=%222.5%22 cy=%229%22 r=%222.5%22 fill=%22%23222%22/%3E %3C/svg%3E"); background-color: rgb(255, 255, 255);"><li style="margin-bottom: 0.1em;"><a href="https://en.wikipedia.org/wiki/Wingspan_Bank" title="Wingspan Bank" style="text-decoration-line: none; background: none;">Wingspan Bank</a></li></ul></span></div><div><font size="4" face="Times New Roman">
</font></div><div><font size="4" face="Times New Roman">==</font></div>