Performing all the duties that pertain to your work on a regular basis at the place where they are normally performed or where they're required to be performed by JPMorgan Chase. A person who works at home must be able to report to a place of employment outside the home.

Generally, your annual base salary plus applicable job differential pay (e.g., shift pay). It does not include any annual bonuses, overtime, special recognition, or other incentive awards you might receive. In certain situations, your benefits pay may include other cash earnings (e.g., commissions, draws, and overrides) paid under certain non-annual incentive plans that provide compensation in lieu of base salary. Please Note: Any adjustments made to your benefits pay during your disability leave will be applied to the pay that you receive during disability leave.

Please Note: Separate definitions other than what is described here may apply to employees in certain sales positions who are paid on a draw-and-commission basis. If this situation applies to you, you will be notified.

The company, or its affiliate, that provides certain claims administration services for the Disability Leave Policy. The Hartford and Disability Management Services (DMS) are the claims evaluators for the Disability Leave Policy. The Hartford is the claims evaluator for the Disability Leave Policy, a self-insured plan, as it pertains to non-work-related (non-occupational) illnesses or injuries and for state-mandated disability benefits for employees who work in New Jersey and New York, which are fully insured. DMS is the claims evaluator for the Disability Leave Policy, a self-insured plan, as it pertains to non-work-related (non-occupational) illnesses or injuries for employees who work in states other than New Jersey and New York.

For purposes of the Disability Leave Policy, the term, disability, is defined as a period of illness or injury that continues for eight or more consecutive calendar days during which you are unable to perform the material and substantial duties of your position on an active employment basis. You must be under the care of a licensed physician during this time and approved by JPMorgan Chase's applicable short-term disability claims evaluator for non-work-related illnesses or injuries or you must be approved as disabled by JPMorgan Chase's workers' compensation benefits provider for work-related illnesses or injuries. Accordingly, you are not covered under this policy if the sole reason you cannot report to work is due to your inability to commute to the workplace. (If this is an issue that affects you, please see the "Disability and Reasonable Accommodation Policy" available at Company Home > HR & Personal > Career & Work > HR Policies > What It Means to Work at JPMorgan Chase.) Furthermore, this policy does not cover any disability related to elective cosmetic surgeries or recuperation of such surgeries. However, any medical complications resulting from such surgeries may be covered under this policy and will be evaluated on an individual basis at the discretion of the disability claims evaluators. This policy does not cover any disability that results from any act of war (declared or undeclared), your active participation in a riot, or your participation in a felony.

A U.S. dollar-paid employee paid through JPMorgan Chase payroll who is regularly scheduled to work 40 hours per week. Full-time employees include employees who are paid on a salaried basis, as well as employees who earn draw, commissions, or production overrides. Employees who earn draw, commissions, or production overrides are paid according to line of business commission plans. Full-time employees are generally eligible to participate in the firm's benefits programs, subject to such programs' eligibility criteria.

The first 90 days of employment for newly hired and re-employed employees at JPMorgan Chase.

A person who:

Certification from your licensed physician confirming the status of the disability for which you're requesting disability leave and/or disability pay benefits under the Disability Leave Policy.

A non-occupational illness means a sickness or a disease not related to your employment.

A non-occupational injury means a bodily injury that is the direct result of an accident and not related to any other cause and not related to your employment.

An occupational illness extends to all diseases that arise out of and are in the course and scope of employment.

An occupational injury means an injury caused by accidents arising out of and in the course and scope of employment.

If you have an occupational illness or injury, you may be eligible for workers' compensation benefits, including paid medical expenses and compensation for lost work time.

A U.S. dollar-paid employee paid through JPMorgan Chase payroll who is regularly scheduled to work less than 20 hours per week. Part-time hourly-paid employees are paid on an hourly basis and are generally not eligible for most JPMorgan Chase benefits or for paid time off.

A U.S. dollar-paid employee paid through JPMorgan Chase payroll who is regularly scheduled to work 20 or more hours but less than 40 hours per week. Part-time salaried employees include employees who are paid on a salaried basis, as well as employees who earn draw, commissions, or production overrides. Employees who earn draw, commissions, or production overrides are paid according to line of business commission plans. Part-time salaried employees are generally eligible to participate in the firm's benefits programs, subject to such programs' eligibility criteria.

The period of service with JPMorgan Chase that may include service with heritage organizations (including predecessors of JPMorgan Chase) as outlined by the following conditions:

If Employed as of July 1, 2004:

If employed by JPMorgan Chase & Co. or one of its participating subsidiaries or Bank One Corporation or one of its participating subsidiaries as of the date of the merger (July 1, 2004), only prior service with the specific heritage organization employing the individual on that merger date (July 1, 2004) will count as recognized service, as follows:

If Re-Employed During the Period July 2, 2004 through June 30, 2005:

If not employed by a heritage organization on the merger date (July 1, 2004) and re-employed during the period July 2, 2004 through June 30, 2005, the applicable service provisions referenced above will be those of the heritage organization that most recently employed the individual prior to his/her re-employment date.

If Re-Employed on or after July 1, 2005:

For individuals who were employed by the firm as of July 1, 2005, experience a subsequent break in service and are re-employed by the firm:

For individuals who were not employed as of June 30, 2005 but who are re-employed on or after July 1, 2005, the employer for purposes of recognized service is the employer who most recently employed the individual prior to the re-employment date.

Employees hired onto the U.S. JPMorgan Chase payroll for a specific length of time or for a temporary project, typically for less than six months. In general, these employees are paid on an hourly basis and are not eligible to participate in certain JPMorgan Chase benefit plans and paid time off policies.

You are considered to be under the care of a licensed physician when you:

The first week of your disability leave. There is a one-week wait period (i.e., seven consecutive calendar days) for disability pay benefits.

If your disability leave is due to a non-work-related illness or injury, you must apply any earned and unused sick time during the one-week wait period for disability pay benefits, as well as during an unpaid disability leave that is approved by the applicable claims evaluator or by the Family and Medical Leave Act (FMLA) Unit of Disability Management Services (DMS).

DMS is also the claims evaluator for time off approved under the FMLA. For additional information, please refer to the "JPMorgan Chase and the Family and Medical Leave Act Policy" available at Company Home > HR & Personal > Career & Work > HR Policies > Time Away from Work > Leave of Absence Policies.

If your earned and unused sick time is exhausted, you must apply earned and unused personal days and floating holidays, if applicable, as well as any accrued and unused vacation to your wait period. In addition, at your request, JPMorgan Chase will advance you unaccrued vacation time for the calendar year in which your leave begins for use during your one-week wait period or unpaid disability leave.

Please Note: If your employment terminates and you have used more vacation than you have accrued by your termination date, this will be considered a salary advance and will be recovered at termination.

If your disability leave is due to a work-related illness or injury, you may, but are not required to, apply any of your available paid time off during the one-week wait period for disability pay benefits or an unpaid disability leave that is approved by the workers' compensation evaluator or by the FMLA Unit of DMS. Please Note: A state-mandated wait period for workers' compensation benefits may also apply and will run concurrently with the disability leave wait period.

If all of your paid time off is exhausted, the applicable portion of the first week of your disability leave is unpaid. For more information, please refer to the "Time Away from Work Policies" available at Company Home > HR & Personal > Career & Work > HR Policies.

The JPMorgan Chase Workers' Compensation Program is administered by Liberty Mutual, unless you work in one of the following states listed below:

North Dakota

Workforce Safety and Insurance — State Insurance Fund Program

Ohio

Please Note: To determine whether the BWC or Cambridge is your workers' compensation administrator, please refer to the "Information" section of the JPMorgan Chase Corporate Insurance Services web site at Company Home > Lines of Business > Corporate Groups > Global Finance > Global Finance Home > Select LOBS & Regions > Corporate Insurance Services.

Washington

Department of Labor and Industries — State Insurance Fund Program

West Virginia

BrickStreet Mutual Insurance Company

Wyoming

Division of Workers' Compensation — State Insurance Fund Program

For more information regarding workers' compensation, please refer to the JPMorgan Chase Corporate Insurance Services web site or contact your state Workers' Compensation Board.