Document:

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                                                                   EXHIBIT 10(A)

                                  Summary of

                             BANK ONE CORPORATION
                            STOCK PERFORMANCE PLAN
                           (As of February 20, 2001)

1.   General

     The purpose of Bank One's Stock Performance Plan (the "Plan") is to provide
incentives and rewards for employees of Bank One and its subsidiaries to:

     .    support the execution of Bank One's business and human resource
          strategies and the achievement of its goals; and

     .    associate the interests of employees with those of Bank One's
          stockholders.

     The Plan is not subject to the provisions of the Employee Retirement Income
Security Act of 1974, as amended.

2.   Participants

     Any employee of Bank One or one of its subsidiaries selected by the Board's
Organization, Compensation and Nominating Committee (the "Committee") is
eligible to receive an award under and thereby participate in the Plan. In
addition, the Committee may select former employees who have a consulting
arrangement with Bank One or a Bank One subsidiary to receive an award under the
Plan if the Committee determines such persons have significant responsibility
for Bank One's success and future growth and profitability. For purposes of the
Plan, a "subsidiary" is any corporation or other entity, whether domestic or
foreign, in which Bank One has or obtains, directly or indirectly, a proprietary
interest of at least 50% by reason of stock ownership or otherwise.

     In 2001, all of the approximately 80,000 employees of Bank One and its
subsidiaries (including directors of Bank One who are employees) are eligible to
participate in the Plan.

3.   Administration of the Plan

     Except as otherwise determined by the Board, the Committee will administer
the Plan. The Board, or the Committee to the extent determined by the Board,
shall determine periodically which employees shall participate in the Plan and,
except as otherwise required by law or the Plan, the grant terms of awards under
the Plan.  Such grant terms shall include:
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     .    vesting schedules
     .    price
     .    length of relevant performance, restriction or option period
     .    dividend rights
     .    post-retirement and termination rights
     .    payment alternatives such as cash, stock or other means of payment
          consistent with the Plan's purposes
     .    such other terms and conditions the Board or the Committee deems
          appropriate

     The Committee is authorized to interpret the Plan provisions and the award
summaries given to participants (each, an "Award Summary") and to make final and
binding determinations pursuant to any Plan provision or award.

     The Committee may designate persons other than its members to carry out its
responsibilities under such conditions or limitations as it may set, other than
its authority with regard to awards granted to employees who are officers or
directors of Bank One for purposes of Section 16 of the Securities Exchange Act
of 1934, as amended (the "Exchange Act").

     The Committee will determine the disposition of an award in the event of a
participant's retirement, disability, death or other termination of employment.
The Committee has the authority at any time to cancel awards for reasonable
cause and to provide for the conditions and circumstances under which awards
shall be forfeited.

4.   Shares Authorized

     The Plan provides that in any year the total number of shares of Bank One
Common Stock, $0.01 par value per share, (the "Common Stock") as to which awards
may be granted may not exceed 2% of Bank One's outstanding shares of Common
Stock as reported in Bank One's Annual Report on Form 10-K for the previous
year, subject to the adjustments described below; however, no more than
16,200,000 shares in the aggregate for all years may be awarded pursuant to
incentive stock options.  Also available for award in any year in addition to
the 2% limit:

     .    any unused portion of the 2% limit for any previous year;
     .    any shares of Common Stock previously subject to awards which are
          cancelled, forfeited, terminated, surrendered, paid in cash or expire
          unexercised;
     .    the excess amount of variable awards which become fixed at less than
          their maximum limitations; and
     .    shares of Common Stock used to pay the purchase price or any
          withholding taxes associated therewith upon the exercise of an option,
          to the extent such shares result in the grant of a restorative option;

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provided, however, that the total number of shares of Common Stock available for
awards under the Plan in any year may not exceed 5% of the outstanding Common
Stock as reported in Bank One's Annual Report on Form 10-K for the year ending
immediately prior to such year.  The grant of a performance or restricted share
or unit award is deemed to be a grant equal to the maximum number of shares
which may be issued under the award.  Where the value of the award is variable
on the date it is granted, the value is deemed to be the maximum limitation of
the award. Awards payable solely in cash will not reduce the number of shares
available for award under the Plan.

     A participant may receive multiple grants of stock-based awards.  The terms
and provisions of a type of award need not be the same for all recipients of
such an award.  The Plan provides that during any five-year period, a
participant may not be granted (i) stock options and stock appreciation rights
("SARs") with respect to more than 10,000,000 shares of Common Stock (except
that a stock option issued in tandem with an SAR shall be counted as one stock
option for purposes of this maximum) or (ii) more than 5,000,000 performance
shares (based on the maximum number of shares of Common Stock that may be
earned).

     The Common Stock which may be issued pursuant to the Plan will be shares of
authorized but unissued Common Stock and shares of Common Stock held as treasury
stock.  A participant will pay the aggregate purchase price for Common Stock
purchased under the Plan to Bank One and, in connection with such purchases,
will not owe any fees, commissions or other charges to Bank One or any of its
affiliates or any person having a material relationship with Bank One or any of
its affiliates.

5.   Grants and Awards

     As the Board or Committee may determine, the following types of awards may
be granted under the Plan on a stand-alone or combination basis:

  .  Stock Option
  .  Incentive Stock Option
  .  Stock Appreciation Right
  .  Restricted and Performance Shares
  .  Restricted and Performance Share Units
  .  Dividend or Equivalent Rights
  .  Stock Award
  .  Other Stock-Based Awards

     No Common Stock will be issued pursuant to any award unless Bank One
receives consideration at least equal to the par value thereof in the form of
cash, services rendered or property.

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     The Committee, in its sole discretion, may from time to time establish
performance criteria with respect to an award.  Such criteria may be absolute or
relative to other companies and may be particular to a line of business,
subsidiary or other unit.

     Each award will be evidenced by an Award Summary which will describe the
award's terms and conditions.

     For purposes of the Plan, "Fair Market Value" means the closing price of
the Common Stock on the New York Stock Exchange Composite Transactions Tape on
the business day immediately preceding the grant date; provided, however, that
the Committee may modify the definition of Fair Market Value with respect to any
particular award.

     Awards granted to executive officers and any other participants subject to
certain rules of the Securities and Exchange Commission (the "Commission") may
include other requirements or restrictions, including with respect to vesting
periods and/or holding periods.

6.   Amendment

     The Board may at any time amend, suspend or discontinue the Plan and alter
or amend any awards granted thereunder to the extent permitted by law and the
terms of the Plan. There is no set termination date for the Plan.

7.   Adjustments and Change of Control

     The Committee may adjust the number of shares of Common Stock available for
issuance, the number of shares covered by any outstanding award and the price
per share thereof in the event there is a change in Bank One's capital structure
as a result of any stock dividend or split, recapitalization, merger,
consolidation or spin-off, or other similar event.

     The Committee will determine, and the relevant Award Summary will state, to
what extent, if any, an award's terms and conditions will be modified in the
event of a Change of Control, as defined by the Committee from time to time, of
Bank One.

8.   Resale of Shares

     The Plan does not impose restrictions on the resale of Common Stock
acquired by participants pursuant to the Plan.

9.   Tax Withholding

     Bank One has the right to require the participant to pay in cash or to
deduct from the participant's salary or severance benefits or other amounts paid
to the participant any sums required by federal, state or local tax law to be
withheld.  If acceptable to the Committee, in its

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sole discretion, and pursuant to rules established for such purpose, the
participant may elect to exchange shares of Common Stock held by the
participant, to simultaneously exercise and sell option shares or to tender
option shares in order to satisfy the participant's withholding tax obligations
with respect to such exercise.

     If appropriate, FICA taxes will be withheld from the paycheck following
option exercise. Bank One reserves the right to require cash payment by the
participant in satisfaction of FICA tax liability.

10.  Assignment

     Except to the extent permitted by Rule 16b-3 under the Exchange Act, or
Section 422 of the Code, and as otherwise provided in the Award Summary, (i) no
award shall be assignable or transferable, except by will or by the laws of
descent and distribution and (ii) during a participant's lifetime the award
shall be exercisable only by such participant or such participant's guardian,
legal representative or permitted transferee.  In the event that any award is
transferred as described in the preceding sentence, the permitted transferee
shall be deemed the award recipient under the Plan.  Stock options, incentive
stock options and SARs shall be exercisable during the transferee's lifetime
only by the award recipient or by the award recipient's guardian, legal
representative or similar person.

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                                                                   EXHIBIT 10(B)

                              BANK ONE CORPORATION
                              DIRECTOR STOCK PLAN
        (Formerly the First Chicago NBD Corporation Director Stock Plan,
           As Renamed, Amended and Restated Effective April 1, 1999)
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                              BANK ONE CORPORATION
                              DIRECTOR STOCK PLAN
        (Formerly the First Chicago NBD Corporation Director Stock Plan,
           As Renamed, Amended and Restated Effective April 1, 1999)

1. Purpose and History of the Plan

   The purpose of the BANK ONE CORPORATION Director Stock Plan (the "Plan") is
to promote the long-term growth of BANK ONE CORPORATION by increasing the
proprietary interest of non-employee directors in BANK ONE CORPORATION and to
attract and retain highly qualified and capable directors.  The Plan as set
forth herein is an amendment and restatement, effective April 1, 1999, of the
First Chicago NBD Corporation Director Stock Plan, which was approved by
stockholders of First Chicago NBD Corporation on May 10, 1996.

2. Definitions

   Unless the context clearly indicates otherwise, the following terms shall
have the following meanings:

       (a) "Annual Retainer" the annual cash retainer fee payable during the
Plan Year by the Corporation, or a subsidiary or affiliate thereof, to a
Director for his or her services as a Director.  To the extent a Director is
also entitled to receive an additional retainer as compensation for serving as
the chairperson of a committee of the Board, "Annual Retainer" shall include
such additional annual cash amount.

       (b) "Award" means an award granted to a Director under the Plan in the
form of Options, Shares, or Stock Units or any combination thereof.

       (c) "Award Grant Date" means the date upon which an Award is granted to
the Director.

       (d) "Award Summary" means a written summary setting forth the terms and
conditions of each Award made under this Plan.

       (e) "Board" means the Board of Directors of the Corporation.

       (f) "Change of Control" means a change of control as defined in the BANK
ONE CORPORATION Stock Performance Plan, or any successor thereto.

       (g) "Committee" means the Organization, Compensation and Nominating
Committee of the Board, or such other committee of the Board as may be
designated by the Board from time to time to administer the Plan.
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       (h) "Corporation" means BANK ONE CORPORATION, a Delaware Corporation, and
its successors.

       (i) "Director" means a director serving on the Board who is not also an
employee of the Corporation or any subsidiary or affiliate thereof. "Director"
shall also include a director serving on the board of directors of any
subsidiary or affiliate of the Corporation, provided that (i) the director is
not also an employee of the Corporation or any subsidiary or affiliate thereof,
and (ii) the Board has approved adoption of the Plan by the applicable
subsidiary or affiliate.

       (j) "Fair Market Value" means the average of the highest and the lowest
quoted selling prices on the New York Stock Exchange Composite Transactions Tape
on the relevant valuation date or, if there were no sales on the valuation date,
on the next preceding date on which such selling prices were recorded.

       (k) "Option" means an option to purchase Shares awarded under Section 8.
Such option shall not be required or construed to satisfy the requirements of
Section 422 of the Internal Revenue Code of 1986, as amended, or any successor
law.

       (l) "Optionee" means a Director to whom an Option has been granted or, in
the event of such Director's death prior to the expiration of an Option, such
Director's executor, administrator, beneficiary or similar person.

       (m) "Plan" means the BANK ONE CORPORATION Director Stock Plan, as amended
and restated from time to time.

       (n) "Plan Year" means the twelve-month period from April 1 to March 31.

       (o) "Share" means a share of common stock, $.01 par value per share, of
the Corporation.

       (p) "Stock Unit" means the right to receive a Share on a date elected by
the Director pursuant to rules established by the Committee, as well as such
dividend or dividend equivalent rights as may be permitted hereunder.

3. Eligibility

   Directors shall be eligible to participate in the Plan in accordance with
Sections 7 and 8 hereof.

4. Plan Administration

       (a) Administrator of Plan.  The Plan shall be administered by the
Committee.

       (b) Authority of Committee.  The Committee shall have the sole and
exclusive authority and discretion to (i) interpret and construe the Plan and
Award

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Summaries; (ii) adopt such rules and procedures as it shall deem necessary and
advisable to implement and administer the Plan; and (iii) designate persons
other than members of the Committee to carry out its responsibilities, subject
to such limitations, restrictions and conditions as the Committee, in its best
judgment, may determine to be in the Corporation's best interests and in
accordance with the purposes of the Plan.

       (c) Determination of Committee.  A majority of the Committee shall
constitute a quorum at any meeting of the Committee, and all determinations of
the Committee shall be made by a majority of its members. The Committee may make
determinations under the Plan without prior notice and without a meeting,
provided that such determination is made by written consent signed by all
members of the Committee.

       (d) Effect of Committee Determinations.  No member of the Committee or
the Board shall be personally liable for any action or determination with
respect to the Plan, an Award, or the settlement of a dispute between a Director
and the Corporation, provided that such action or determination is made in good
faith.  Any decision or action of the Committee or the Board with respect to any
Award or the administration or interpretation of the Plan shall be conclusive
and binding upon all persons.

5. Shares Subject to the Plan

   Subject to adjustments as provided in Section 13, the aggregate number of
Shares which may be issued pursuant to Awards shall not exceed 1,620,000 Shares.
To the extent that Shares subject to an outstanding Option are not issued or
delivered by reason of the expiration, termination, cancellation or forfeiture
of such Option or by reason of the delivery of Shares to pay all or a portion of
the exercise price of such Option, such Shares shall again be available for
issuance under the Plan.

6. Awards under the Plan

   Awards in the form of Shares shall be granted to Directors in accordance with
Section 7. Awards in the form of Options, Shares or Stock Units, or a
combination thereof, may be granted to Directors in accordance with Section 8.
Each Award granted under Section 8 shall be evidenced by an Award Summary.
Delivery of an Award Summary shall constitute an agreement, subject to Section 3
and Section 10, between the Corporation and the Director as to the terms and
conditions of the Award.

7. Annual Stock Retainer

   Each Director shall annually receive an Award hereunder in the form of
Shares, subject to the following terms and conditions:

       (a) Time of Grant.  As of the date of each annual meeting of the
stockholders of the Corporation, each Director shall be granted an Award of
Shares representing his or her annual stock retainer, determined as provided
below.  In the case of a Director who is appointed to the Board on a date during
the Plan Year which follows

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the date of the annual meeting of the stockholders of the Corporation, the
Director shall be granted, as of the date such Director is first appointed to
the Board, his or her annual stock retainer, as prorated in the manner described
below.

       (b) Number of Shares.  The number of Shares granted pursuant to this
Section 7 shall be the number of whole Shares equal to (i) 50% of the Director's
Annual Retainer (excluding for this purpose any additional chairperson
retainer(s)), divided by (ii) the Fair Market Value per Share on the Award Grant
Date described in paragraph (a) above (increased to the next whole Share in case
of any fractional Share). In the case of a Director who is appointed to the
Board on a date during the Plan Year which follows the date of an annual meeting
of stockholders of the Corporation, the number of Shares granted pursuant to
this Section 7 shall be calculated in the manner described in the previous
sentence, except that (A) the Fair Market Value per Share shall be determined as
of the date the Director is appointed to the Board, and (B) the number of Shares
granted shall be prorated based upon the number of calendar months during which
such Director will serve on the Board prior to the beginning of the next Plan
Year, with any part of a calendar month counting a whole month.

8. Elective Options, Shares and Stock Units

   Each Director may elect to receive Options, Shares or Stock Units, or a
combination thereof in place of such Director's Annual Retainer, subject to the
following terms and conditions:

       (a) Time of Grant.  As of the date of each annual meeting of stockholders
of the Corporation, an Award shall be granted to each Director who has filed
with the Committee or its designee a written election to receive such Award in
lieu of all or a portion of such Director's Annual Retainer. Such election must
be filed in advance of the date of the annual meeting of stockholders, on before
a date established by the Committee as necessary to avoid the constructive
receipt of income by the Director for tax purposes and to comply with any
applicable law.  Each Director's election shall remain in effect and be
applicable with respect to the Annual Retainer paid in subsequent years in which
the Director serves on the Board, unless the Director files a revised election
pursuant to the first sentence of this Section 8(a).  Once made, such election
may only be changed or revoked on or before a date prior to the next occurring
annual meeting of stockholders of the Corporation, such date to be established
by the Committee in order to avoid the constructive receipt of income by the
Director for tax purposes and to comply with any applicable law.

          In the event a Director does not file a written election in accordance
with this Section 8(a) by reason of becoming a Director after the date
established by the Committee for the filing of elections (as described above) an
Award may be granted to such Director as of a day following the Director's
submission of a written election to receive such Award in lieu of all or a
portion of such Director's Annual Retainer.  Such election must be submitted in
accordance with rules established by the Committee and as of a date determined
by the Committee as necessary to avoid constructive receipt of income by the
Director and to comply with any applicable law.  The Committee may, in

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its sole discretion, limit any election made pursuant to the preceding sentence
to only a fraction of such Director's Annual Retainer, the numerator of which is
the number of months between the effective date of the Director's appointment to
the Board and the last day of the Plan Year during which the Director is
appointed to the Board, and the denominator of which is 12. An election made
pursuant to the preceding sentence shall be irrevocable during the first Plan
Year in which the Director receives an Award hereunder.

       (b) Number of Shares.  The number of Shares granted pursuant to Section
8(a) shall be the number of whole Shares (increased to the next highest whole
Share in case of any fractional Share) equal to (i) the amount of the Annual
Retainer that a Director has elected pursuant to Section 8(a) to be payable in
Shares, divided by (ii) the Fair Market Value per Share on the Award Grant Date.

       (c) Number and Purchase Price of Options.  The number of Shares subject
to an Option granted pursuant to Section 8(a) shall be the number of Shares
which would result in the Option having an equivalent value of the Shares the
Director would have received had the Director elected to receive Shares under
Section 8(b), determined using the Black-Scholes method of valuing stock options
and the Fair Market Value of a Share on the Award Grant Date.  The purchase
price per Share under each Option granted shall be 100% of the Fair Market Value
per Share on the Award Grant Date.

       (d) Exercise of Options.  Each Option shall be fully exercisable on and
after the date which is six (6) months after the Award Grant Date and, subject
to Section 11 shall not be exercisable prior to such date.  An Option may be
exercised until the date which is ten (10) years after the Award Grant Date of
such Option.  An Option, or portion thereof, may be exercised, in whole or in
part, only with respect to whole Shares.

   Shares shall be issued to an Optionee pursuant to the exercise of an Option
only upon receipt by the Corporation from the Optionee of payment in full either
in cash or by submitting acceptable proof to the Committee of the ownership of
Shares which have been owned by the Optionee for at least six (6) months prior
to the date of exercise of the Option, or a combination of cash and Shares, in
an amount or having a combined value equal to the aggregate purchase price for
the Shares subject to the Option or portion thereof being exercised.  The Shares
issued to an Optionee for the portion of any Option exercised by submitting
proof of acceptable ownership of Shares shall not exceed the number of Shares
issuable as a result of such exercise (determined as though payment in full
therefor were being made in cash), less the number of Shares for which proof of
ownership is submitted.  The value of Shares for which proof of ownership is
submitted in full or partial payment for the Shares purchased upon the exercise
of an Option shall be equal to the aggregate Fair Market Value of such
previously-owned Shares on the date of the exercise of such Option.

       (e) Number of Stock Units.  The number of Stock Units granted pursuant to
Section 8(a) shall be the number of Stock Units equal to (i) the portion of the
Annual Retainer which the Director has elected pursuant to Section 8(a) to be
payable in Stock

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Units, divided by (ii) the Fair Market Value of one (1) Share on the Award Grant
Date. While Stock Units remain outstanding, the Director who has received such
Stock Units shall receive, as of each date on which the Corporation pays a cash
dividend on outstanding Shares, additional Stock Units equal in number to:

           (A) the product of:

               (1)  the amount of the cash dividend declared by the Corporation
                    for each outstanding Share of the Corporation, and

               (2)  the number of Stock Units credited to the Director and still
                    outstanding,

               divided by:

           (B) the Fair Market Value of a Share on the date the cash dividend is
               paid.

   Such additional Stock Units shall be issued as Shares at the same time and in
the same manner as the underlying Stock Units to which they are attributable.

       (f) Distribution of Stock Units.  Upon a date elected by a Director who
receives an Award of Stock Units under subparagraph (e) above, the Director will
receive one (1) Share for each Stock Unit, including any fractional Stock Units
thereof. In the event of a Director's death prior to the issuance of Shares
attributable to Stock Units, such Shares shall become immediately distributable
to such Director's executor, administrator, beneficiary or similar person.

9.  Issuance of Shares

    Upon the grant of an Award of Shares to a Director, the Shares subject to
such Award shall be credited to a book entry account in the name of the Director
at a trust company designated by the Committee, whereupon the Director shall
become a stockholder of the Corporation with respect to such Shares and shall be
entitled to vote the Shares.

10. Non-Transferability of Options and Stock Units

    Options and Stock Units granted under the Plan shall not be transferable by
a Director during his or her lifetime and may not be assigned, exchanged,
pledged, transferred or otherwise encumbered or disposed of except by court
order, will or by the laws of descent and distribution. Notwithstanding the
foregoing, in the event the provisions of Rule 16b-3 of the Securities Exchange
Act of 1934, as amended, allow Options to be transferable, each Option then
outstanding shall become transferable only to the extent set forth under the
terms of each Award, as determined by the Committee. In the event that any
Option is thereafter transferred as permitted by the preceding sentence, the
permitted transferee thereof shall be deemed the

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Optionee hereunder, notwithstanding the provisions of subparagraph (l) of
Section 2 above. Options shall be exercisable during the Optionee's lifetime
only by the Optionee or by the Optionee's guardian, legal representative or
similar person.

11. Change of Control

    Upon the occurrence of a Change of Control, any and all outstanding Options
shall become immediately exercisable, and all Stock Units shall become
distributable in Shares; provided, however, that, notwithstanding the foregoing,
no Stock Units shall become distributable in Shares as a result of or in
connection with the actions and transactions contemplated by or effectuated in
connection with the Agreement and Plan of Reorganization by and among BANC ONE
CORPORATION, First Chicago NBD Corporation and BANK ONE CORPORATION (DE).

12. Amendment and Termination

    The Board may amend the Plan from time to time or terminate the Plan at any
time; provided, however, than no action authorized by this Section 12 shall
adversely change the terms and conditions of an outstanding Option or Stock Unit
without the Optionee's consent and, subject to Section 13, the number of Shares
subject to an Option granted under Section 8, the purchase price therefor, the
Award Grant Date and the termination provisions relating to such Option shall
not be amended more than once every six (6) months, other than to comply with
changes in applicable laws and regulations.

13. Recapitalization

    The aggregate number of shares of Common Stock as to which Awards may be
granted to Directors, the number of shares thereof covered by each outstanding
Award, and the price per share thereof in each such Award, shall all be
proportionately adjusted for any increase or decrease in the total number of
Shares issued by the Corporation resulting from a subdivision or consolidation
of Shares or other capital adjustment, or the payment of a stock dividend or
other increase or decrease in the number of such Shares effected without receipt
of consideration by the Corporation, or other change in corporate or capital
structure; provided, however, that any fractional Shares resulting from any such
adjustment shall be eliminated. The Committee may also make the foregoing
changes and any other changes, including changes in the classes of securities
available, to the extent it is deemed necessary or desirable to preserve the
intended benefits of the Plan for the Corporation and the Directors in the event
of any other reorganization, recapitalization, merger, consolidation, spin-off,
extraordinary dividend or other distribution or similar transaction.

14. Governing Law

    To the extent that federal laws do not otherwise control, the Plan shall be
construed in accordance with and governed by the law of the State of Delaware.

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15. Savings Clause

    This Plan is intended to comply in all aspects with applicable law and
regulation, including, Section 16 of the Securities Exchange Act of 1934 and
Rule 16b-3 of the Securities and Exchange Commission.  If any provision of this
Plan shall be held invalid, illegal or unenforceable in any respect under
applicable law and regulation (including Rule 16b-3), the validity, legality and
enforceability of the remaining provisions shall not in any way be affected or
impaired thereby, and the invalid, illegal or unenforceable provision shall be
deemed null and void; provided however, that, to the extent permissible by law,
any provision which could be deemed null and void shall first be construed,
interpreted or revised retroactively to permit this Plan to be construed in
compliance with all applicable laws (including Rule 16b-3) so as to foster the
intent of this Plan.

16. Effective Date and Term

    The effective date of this amendment and restatement of the Plan is April 1,
1999.

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                           SUMMARY OF CHANGES TO THE
                              BANK ONE CORPORATION
                              DIRECTOR STOCK PLAN

1.  Annual Retainer.  Effective as of the date of the 2001 Annual Meeting of
Stockholders, one-half of the annual retainer will be paid in cash and one-half
will be paid in stock.

2.  Investments.  Effective January 1, 2001, directors may make a one-time
election to receive either cash or deferred stock units in lieu of phantom
shares of company stock held under predecessor plans.

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