Life and well-being

For today, for you, for your family and for your future.

We offer a variety of flexible benefits* for our full-time employees in the US. The below is a snapshot of some of them we thought you would be interested in.

401(k) Savings Plan

We understand the importance of planning for the future; that is why the firm offers a 401(k) Savings Plan. Joining the 401(k) Savings Plan is completely voluntary. If you participate, you decide how much to contribute to your account and how your savings should be invested. You contribute on a before-tax basis or on an after-tax basis through Roth 401(k) contributions. Generally, most participants who complete one year of service are eligible to receive JPMorgan Chase matching contributions.

Retirement Plan

Fully paid for by the firm, the Retirement Plan provides you with a foundation for your retirement income. Your participation in the plan is automatic after you complete one year of total service. Your benefit is expressed as a cash balance that grows in a bookkeeping account over time through pay credits and interest credits.

Healthcare

Our Medical and Dental Plans offer you and your eligible dependents a variety of healthcare options that provide a range of quality and flexible coverage based on where you live. Our Vision Plan offers coverage for expenses, such as eye examinations, lenses (including contact lenses) and eyeglass frames.

Life and well-being

Before-tax healthcare spending accounts

Under the Health Care Spending Account, you can contribute between $240 and $8,000 a year, on a before-tax basis, to pay for eligible out-of-pocket health care expenses such as:

• Medical and dental expenses, such as co-payments, prescriptions, orthodontia, and other eligible expenses that may not be covered by any medical or dental plan
• Eyeglasses and contact lenses

Life & Accident insurance

Our Life & Accident Insurance Plans provide you with the security that comes from knowing you have a complete package of insurance protection suited to your personal situation. The Life & Accident Insurance Plans offer you a range of different types of coverage, so you can choose the most appropriate life, accident, and survivor protection for your individual needs. The plans include:

• Basic Life Insurance Plan
• Supplemental Term Life Insurance
• Accidental Death and Dismemberment Insurance Plan
• Business Travel Accident Insurance Plan
• SurvivorSupport® Financial Counseling

Disability insurance

Our Long-Term Disability (LTD) Plan can provide you with income replacement for if you are unable to work for an extended period of time due to an illness or injury. Your LTD coverage generally pays a benefit after you have exhausted your coverage under the Short-Term Disability Leave Policy.

Employee stock purchase

We invest in our people for the long term and want them to be rewarded for investing in us. Our Employee Stock Purchase Plan encourages you to become an owner of JPMorgan Chase by providing you with the ability to purchase the firm's common stock at a 5% discount and without paying a broker's fee. We also offer the chance for your stock ownership to grow through automatic reinvestment of dividends.

Life and well-being

LifeWorks Resource & Referral Service

You've got a lot going on in your life and LifeWorks is here to help you. LifeWorks, our work-life resource and referral program, is one way to help deal with the questions, pressures and issues you face as a working parent; someone concerned with the well being of older relatives; running a household; navigating the college application process or any other work-life need. Designed with your needs in mind, LifeWorks delivers practical solutions, information, advice and support.

LifeWorks offers free, confidential assistance 24 hours a day, 7 days a week with the issues of daily living, such as:

• Parenting & Child Care
• Education
• Older Adults
• Disability
• Financial Concerns
• Everyday Issues
• Work

LifeWorks offers free confidential services, individualized referrals to resources in your community, free booklets, audiotapes/CDs and tip sheets.

Maternity and paternity leave

We are committed to supporting parents when they welcome a newborn or adopted child into their home. Under our Parental Leave policy, eligible employees are provided with time off with full pay so that they can care for and bond with their new child.

Back-up childcare services

The goal of our Back-up Childcare Center Network is to provide the highest quality back-up care for children, when their families’ existing childcare arrangements break down (e.g. regular caregiver is unavailable or school is closed) and the employee must be at work. The Back-up Childcare Centers are intended to supplement, rather than replace, regular childcare arrangements.

Bright Horizons Network Access Program is part of the Back-up Care Advantage Program. We have partnered with Bright Horizons to offer availability at over 250 community childcare centers across the United States. Employees looking for fulltime care will receive priority access to open spaces and discounted registration fees in some cases.

KinderCare is a child care provider that operates over 1200 full-time child care centers. Our employees will receive a 10% discount on tuition fees where possible.

Life and well-being

Adoption assistance

We offer financial support to eligible employees in order to help offset the high cost of adopting a child. The firm's Adoption Assistance Program may reimburse you for up to $10,000 in qualified expenses, per child, when you adopt a child under the age of 18, (or an individual who is 18 years of age or older, where that individual is incapable of self-care because of a permanent physical or mental disability), including the child of your spouse or domestic partner, or a child who is related to you.

Tuition reimbursement for top performers

Our Tuition Assistance Program provides financial support to help you reach your goals and offset the cost of a college education. The program is designed for high-performing employees for work-related educational development. An employee's degree program must be job-related and aligned with the employee's position and overall development plan. Tuition assistance is an investment in the professional growth of key employees who have proven they are high performers - and whose value to the company will be enhanced through receiving an advanced degree.

Pre-tax transportation spending accounts for commuting and parking

Transportation Spending Accounts allow you to pay for eligible commutation and/or parking expenses through payroll deductions. All or a portion of that expense can be paid on a pre-tax basis up to the monthly legal limit-effectively reducing your commutation costs. If your commuting expenses exceed this amount, the balance of the cost will be deducted from your paycheck on an after-tax basis.

* This is a partial list of benefits available to U.S.employees. Benefits are subject to on-going review and considerations. When you join as a full-time hire, you will be presented with the particular benefits and eligibility is based on your individual circumstances.