JPMorgan Chase reserves the right to amend, modify (including cost of participation), reduce or curtail benefits under, or terminate the Health Care Spending Account, Child/Elder Care Spending Account, and Transportation Spending Accounts at any time for any reason by act of the Compensation and Benefits Executive, other authorized officers, or the Board of Directors.

JPMorgan Chase also reserves the right to amend any of the plans and policies, to change the method of providing benefits, to curtail or reduce future benefits, or to terminate at any time for any reason any or all of the plans and policies described in this Guide. Neither this Guide nor the benefits described in this Guide creates a contract of employment nor a guarantee of employment between JPMorgan Chase and any employee.

If you have any questions about the Health Care or Child/Elder Care Spending Account, contact the Benefits Call Center through accessHR.

If you have any questions about the Transportation Spending Accounts, contact the Transportation Spending Accounts Call Center.