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                                                                   EXHIBIT 10(H)

                     EXECUTIVE MANAGEMENT SEPARATION PLAN
                           Summary of Key Provisions

             Eligibility      Members of executive management on the Management
                              Committee of BANK ONE CORPORATION (the
                              "Corporation")

           Trigger Event      Resignation determined by the Corporation to be in
                              the best interest of the Corporation (excluding
                              termination for "cause", death or disability).
                              Determination to be made by the Chairman of the
                              Board and the Chief Executive Officer of the
                              Corporation with respect to non-directors and by
                              the Organization, Compensation and Nominating
                              Committee of the Board with respect to inside
                              directors

     Initial Notice Date      Date the Executive is advised of determination
                              that Executive's resignation is in the best
                              interest of the Corporation

       Transition Period      30 calendar day period beginning at initial notice
                              date, or longer as agreed upon by Corporation and
                              Executive

  Severance Pay Election      Prior to end of the transition period, Executive
                              must elect lump sum payment or salary continuation
                              option

        Termination Date      If lump sum option is elected, the date following
                              the end of the transition period; if salary
                              continuation is elected, twelve months from the
                              end of the transition period or upon obtaining
                              employment and cessation of salary continuation,
                              if earlier

Severance Payment Amount      Greater of normal benefit or special minimum
                              benefit, if applicable:
                              Normal Benefit -
                               *Two times annualized base salary plus two times
                                average annual bonus (average of highest two of
                                the last three awards prior to initial notice
                                date)
                              Special Minimum Benefit -
                               *For designated Executives, if initial notice
                                date occurs prior to December 31, 2000, minimum
                                severance payment amount will be (i) 10/12 of
                                average of Executive's annual bonus awards in
                                1997, 1998 and 1999, plus (ii) 2.5 times sum of
                                annualized base salary as of October 1, 1999 and
                                average of Executive's annual bonus awards in
                                1997, 1998 and 1999
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    Form and Timing of        Lump Sum -
               Payment          *If lump sum elected, full severance payment
                                amount paid on termination date (day following
                                transition period)
                              Salary Continuation -
                               *If salary continuation elected
                                - Base salary continues for twelve months
                                  following the transition period
                                - One times average annual bonus to be paid at
                                  the next annual bonus cycle following the
                                  initial notice date
                                - Lump sum equal to one year's base salary and
                                  one times average annual bonus (or remainder
                                  of special minimum severance benefit, if
                                  applicable) paid at termination
                                - In the event the Executive is re-employed,
                                  salary continuation ceases, and the unpaid
                                  balance would be paid at termination as a lump
                                  sum
 Impact on Pension and        Most benefits (pension, 401(k), medical, dental,
      Welfare Benefits        life, etc.) continue until the termination date
                              (excluding vacation, sick pay, short and long-term
                              disability)
                               *participation continues through the salary
                                continuation period if salary continuation is
                                elected (bonus paid at the initial cycle
                                included in pension calculation for that year),
                                or
                               *all benefit participation ceases at the end of
                                the transition period if lump sum is elected

          Stock Awards         Vesting, continued right to exercise options and
                               proration of outstanding restricted and
                               performance shares as of termination date as if
                               Executive were a retiree (unless specific stock
                               award agreement provides otherwise)

     Change of Control         No payments under this plan if eligible for
     Agreements, other         payments under any change of control agreement
  Termination Benefits         with the Corporation or an affiliated entity.
                               Payments under this plan will be offset by
                               payments to be made by reason of termination of
                               employment under any other contract between
                               Corporation or affiliated entity and Executive

Amendment, Termination         The plan can be amended or terminated by the
                               Board of Directors of the Corporation at any time
                               for any reason

The Executive Management Separation Plan was eliminated effective December 31,
2000.  Following a transition period described below, all executive officers
will receive separation benefits in accordance with Bank One's severance policy
applicable to all employees.  The severance policy provides that if an executive
officer is involuntarily terminated, except termination for cause, the officer
shall receive three weeks of base salary for each year of service, but not less
than 12 weeks nor more than 52 weeks of base salary.  For those executive
officers who were covered by the Plan when it was adopted in October 1999, they
shall each receive a benefit equal to the amount calculated as of October 1,
1999, pursuant to the Plan, reduced by the sum of all salary and incentive
bonuses paid or payable from January 1, 2001, through the date of termination,
but in no event less than the amount payable under the standard severance
policy. All other executive officers shall, until February 1, 2002, each receive
a benefit equal to two times their annualized base salary plus a proportionate
bonus for 2001; and thereafter the amount payable under the standard severance
policy.

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                                                                   EXHIBIT 10(L)

                                   SUMMARY OF
                              BANK ONE CORPORATION
                            EXECUTIVE LIFE PLUS PLAN

General

The Executive Life Plus Plan (the "Plan") is a permanent whole life insurance
benefit available to Management Committee members. The Plan provides a
consistent and competitive life insurance benefit to replace the various legacy
death benefit programs.

The Plan replaces the FCNBD Executive Estate Plan and supplement the legacy Banc
One Executive Life Plan.

Death Benefit Amounts Under the Plan

The Plan provides a pre-retirement death benefit of 4 times annual base pay and
a post retirement death benefit of 2 times annual base pay.

Plan Design and Benefit Sharing

The policy under the Plan is provided under a split dollar life insurance
arrangement. Bank One pays its portion of the premium as well as the executive's
portion. Bank One will then provide a full gross-up for any income tax due on
paying the executive's portion of the premium payment. When the split dollar
agreement terminates, Bank One can collect from the proceeds the premiums it has
paid, up to the policy's cash value. Bank One will not be reimbursed for the
executive's share of the premium.

Participants will continue to participate and Bank One will continue to pay
premiums under the Plan until the participant has attained age 65 or has
participated in the Plan for 15 years (measured from enrollment date of
11/1/99), whichever period of time is longer.

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Options at Early                Policy continues unchanged if participant
Retirement                      retires after age 55 with at least 25 years of
                                service with Bank One. Bank One continues to pay
                                the entire premium to age 65 or for 15 years,
                                whichever period of time is longer. (For legacy
                                Banc One participants who were at least age 50
                                with 5 years of service by 12/31/99, or
                                participated in the Plan previously, the above
                                15-year period is reduced to 10 years.)
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Cash value                      Projected to grow for as long as participant's
                                policy remains in force.
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Options at retirement           Policy can be continued for death benefit
(age 65, or 15 years, if        coverage; participant may take a loan from the
later)                          policy's cash value; participant may use the
                                policy's cash value to purchase an annuity;
                                participant may surrender the policy for its
                                cash value; or any combination of these options.
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If participant leaves Bank      Bank One is reimbursed from the policy for its
One before eligible for         premium payments. Bank One will not be
early retirement                reimbursed for the executive's share of the
                                early retirement premium paid by Bank One.
                                Participant then receives any remaining cash
                                value. Alternatively, participant may opt to
                                purchase the policy and continue the coverage.
                                If this option is chosen, participant must
                                reimburse Bank One for its premium payments.

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