Your primary contact for all matters relating to the administration of the Health Care Spending Account and Child/Elder Care Spending Account is ADP.

Your primary contact for all matters relating to the administration of the Transportation Spending Accounts is WageWorks.

Your benefits as a participant in the Health Care Spending Account, Child/Elder Care Spending Account, and Transportation Spending Accounts are provided under the terms of the official plan text and insurance policies, and/or contracts, if any, issued by JPMorgan Chase. If there is any discrepancy between the official plan documents and this summary, the official plan documents control.

Please Note: No person or group, other than the plan administrator for the JPMorgan Chase Benefits Program (named fiduciary of the plan) has any authority to interpret the rules for participating in the Health Care Spending Account, Child/Elder Care Spending Account, or Transportation Spending Accounts, to interpret the official plan documents, or to make any promises to you about them. The plan administrator has complete authority in its sole and absolute discretion to construe and interpret the terms of the Health Care Spending Account, Child/Elder Care Spending Account, and Transportation Spending Accounts, and any underlying policies and/or contracts, including eligibility to participate.

All decisions made by ADP, WageWorks, and the plan administrator are final and binding upon all affected parties.