JPMORGAN CHASE & CO SEC Filings

JPMorgan Chase Financial Company LLC is offering auto-callable review notes linked to the MerQube US Large-Cap Vol Advantage Index, maturing on January 3, 2031 and fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes are issued in $1,000 minimum denominations and may be automatically called as early as December 29, 2026 if, on a Review Date, the Index closes at or above 95% of its Initial Value.

Upon an automatic call, investors receive $1,000 plus a Call Premium Amount that starts at a minimum of 19.25% of principal on the first Review Date and increases up to at least 96.25% on the final Review Date. If the notes are not called and the Final Index Value is at or above the Barrier Amount of 70% of the Initial Value, investors receive principal back at maturity. If the Final Value is below the Barrier Amount, repayment is reduced one-for-one with the Index Return, and investors can lose more than 30% and up to all of their principal.

The Index embeds a 6.0% per annum daily deduction, which creates a persistent drag on performance versus an identical index without this charge and can cause declines even when the underlying futures strategy is flat or modestly positive. The notes pay no interest or dividends, are unsecured and unsubordinated obligations subject to the credit risk of both JPMorgan Chase Financial Company LLC and JPMorgan Chase & Co. The estimated value is indicated at approximately $900 per $1,000 note if priced today and will not be less than $880 per $1,000 note when finalized, reflecting structuring, hedging costs and selling commissions.

JPMorgan Chase Financial Company LLC is offering $820,000 of Uncapped Digital Barrier Notes linked to the least performing of the S&P 500, Russell 2000 and Dow Jones Industrial Average, maturing December 22, 2028. The notes pay no interest or dividends and are unsecured obligations of JPMorgan Chase Financial Company LLC, fully and unconditionally guaranteed by JPMorgan Chase & Co.

At maturity, if every index finishes at or above 70% of its initial level, investors receive their principal plus the greater of a 21.10% fixed return or the actual percentage gain of the worst index. If any index closes below 70% of its initial level, repayment is reduced one-for-one with the loss in the worst index and investors can lose most or all of their principal.

The notes are sold in $1,000 denominations at $1,000 per note, while the issuer’s estimated value is $974.50 per $1,000. The notes will not be listed on any exchange, and secondary market prices are expected to be below the original issue price.

JPMorgan Chase Financial Company LLC is offering auto callable contingent interest notes linked to the worst performer of the Russell 2000, S&P 500 and EURO STOXX 50 Indexes, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes run to December 27, 2030, with minimum denominations of $1,000 and potential quarterly contingent interest at a rate of at least 6.25% per year, paid only when each index stays at or above 50% of its initial level.

The notes can be automatically called as early as December 23, 2026 if each index is at or above its initial level on a review date, returning principal plus the applicable interest payment but ending future payments. If the notes are not called and the worst index finishes below its 50% trigger level at maturity, investors lose 1% of principal for each 1% decline in that index and could lose their entire investment. An indicative estimated value is $957.60 per $1,000 note, and the product carries significant credit, market, liquidity and tax risks.

JPMorgan Chase Financial Company LLC plans to issue auto callable contingent interest notes linked to the Nasdaq-100 Index®, Russell 2000® Index and S&P 500® Index, guaranteed by JPMorgan Chase & Co. The notes pay a quarterly Contingent Interest Payment only if the closing level of each index on a Review Date is at least 60% of its Initial Value, and they may be automatically called starting on June 23, 2026 if each index is at or above its Initial Value.

If held to maturity and not called, investors receive their principal back plus the final contingent coupon only if the least performing index finishes at or above its Trigger Value, set equal to 60% of its Initial Value. Otherwise, repayment is reduced 1% for every 1% decline in the least performing index, and investors can lose all of their principal. The example table shows that with a hypothetical 6.75% per annum contingent rate, total coupon income could reach up to $202.50 per $1,000 note if all 12 interest conditions are met.

The notes price at $1,000 per note; if they priced on the described date, the estimated value would be about $961.20 per $1,000, and will not be less than $930.00, reflecting selling commissions, hedging costs and issuer funding assumptions. The notes are unsecured obligations, not bank deposits, will not be listed on an exchange, and are subject to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co., as well as complex tax and withholding rules, particularly for non-U.S. holders.

JPMorgan Chase & Co. is offering $10,000,000 of callable fixed rate notes due December 23, 2055. The notes pay interest annually at a fixed rate of 5.80% per annum, calculated on a 30/360 day count basis, with payments each December 23 starting in 2026. At maturity, holders receive the principal plus any accrued and unpaid interest if the notes have not been redeemed earlier.

The notes are callable at the issuer’s option, in whole but not in part, on June 23 and December 23 of each year from December 23, 2027 through June 23, 2055 at par plus accrued interest. The price to the public is $1,000 per note, with total offering proceeds of $10,000,000, selling commissions of $55,250 and net proceeds to JPMorgan Chase & Co. of $9,944,750. The notes are unsecured obligations, are not bank deposits and are not insured by the FDIC. In a resolution of JPMorgan Chase & Co. under U.S. resolution regimes, holders rank as unsecured creditors and may not recover all principal and interest.

JPMorgan Chase & Co. is offering $2,000,000 of callable fixed rate notes due December 23, 2030. The notes pay fixed interest at 4.35% per annum, with interest payable in arrears on December 23 of each year, beginning December 23, 2026, using a 30/360 day count convention.

The notes are issued in $1,000 denominations at a price to the public of $1,000 per note, with selling commissions of $2.25 per $1,000 and proceeds to the issuer of $1,995,500. JPMorgan may redeem the notes in whole, but not in part, at par plus accrued interest on June 23 and December 23 of each year from December 23, 2027 through June 23, 2030.

The notes are unsecured obligations of JPMorgan Chase & Co. and are not bank deposits or FDIC insured. Under the company’s preferred “single point of entry” resolution strategy and potential FDIC Title II actions, holders of the notes could face losses in a JPMorgan Chase & Co. resolution, with recovery depending on residual value after higher priority claims.

JPMorgan Chase & Co. is offering $1,000,000 principal amount of callable zero coupon notes due December 23, 2045. Each $1,000 principal amount note is issued at $306.557, pays no periodic interest and is designed to accrete at a 6.00% annual yield, compounded semiannually, so that 100% of principal is paid at maturity if the note has not been called.

Beginning December 23, 2027 and on June 23 and December 23 of each year through June 23, 2045, the issuer may redeem all notes at the applicable accreted principal amount shown in the accretion schedule. The notes are unsecured obligations of JPMorgan Chase & Co., are not bank deposits or FDIC insured, and in a resolution or bankruptcy scenario losses would be borne after priority and secured creditors. The notes are issued with original issue discount for U.S. federal tax purposes.

JPMorgan Chase & Co. is offering $2,000,000 of callable fixed rate notes due June 23, 2034. The notes pay interest at a fixed rate of 4.55% per annum, calculated on a 30/360 day count basis, with interest paid annually on December 23 from 2026 through 2033 and on the maturity date.

JPMorgan may redeem the notes early, in whole but not in part, on the 23rd day of March, June, September and December of each year from December 23, 2027 through March 23, 2034 at par plus accrued interest. At maturity, if not previously redeemed, investors receive their principal plus any accrued and unpaid interest.

The public offering price is $1,000 per note, with selling commissions of $16.825 per $1,000, resulting in total proceeds to the issuer of $1,966,000. The notes are unsecured obligations of JPMorgan Chase & Co., are not bank deposits, and are not insured by the FDIC or any other governmental agency.

JPMorgan Chase Financial Company LLC is issuing $748,000 of Uncapped Dual Directional Buffered Return Enhanced Notes linked to the lesser performing of the Dow Jones Industrial Average® and the Nasdaq-100 Index®, maturing on December 22, 2028 and fully guaranteed by JPMorgan Chase & Co.

The notes provide 1.335x leveraged upside if both indices finish above their initial levels. If the lesser performing index is flat or down by up to 15%, investors receive a positive return equal to the absolute decline, up to a 15% gain, capping the payment at $1,150 per $1,000 note in negative-return scenarios. If either index falls by more than 15%, principal is reduced 1% for each additional 1% decline, with up to 85% of principal at risk.

The notes pay no interest, do not provide dividends on index constituents, and expose holders to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co. The price to the public is $1,000 per note, including $3 in selling commissions, while the estimated value is $988.10 per $1,000, and the notes are not expected to be listed, limiting liquidity.