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Highlights of the 2021 JPMorgan Chase U.S. Benefits Program

EFFECTIVE Januar y 1, 2021 Benefts Program About the JPMorgan Chase Benefts Benefts at a 3 New Employee Action Checklist for the Health Care and Insurance The Health Care and Insurance Simplifed Medical Plan ..11 Dental 24 Vision Plan .. 26 Spending Accounts Health Care, Dependent Care, Transportation (Transit/Parking)..27 Long-Term Disability (LTD) Life and Accident Insurance Group Personal Excess Liability Insurance Plan ..33 Group Legal Services Plan .. 34 Highlights of the 2021 JPMorgan Chase For Employees Living in Arizona and ohio What s Inside: The Retirement Savings Program ..35 401(k) Savings Plan .. 35 Pension 37 Employee Stock Purchase Plan ..38 Additional Programs/Services ..38 Who to Call With Benefts Questions ..39 Additional Your Privacy Is 42 Special Notice for Employees Who Have Been Reinstated by JPMorgan Chase Within 31 Important Defnitions.

Do you live in a state other than Arizona or Ohio? Please refer to the brochure titled “Highlights of the 2021 JPMorgan Chase U.S. Benefits Program — For Employees Living in All States Except Arizona and Ohio” for information about the benefits available to you.

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