JPMORGAN CHASE & CO SEC Filings

JPMorgan Chase Financial Company LLC, fully guaranteed by JPMorgan Chase & Co., is offering auto callable contingent interest notes linked to the Class A common stock of Coinbase Global, Inc. The notes target investors seeking high contingent income rather than direct cryptocurrency exposure, with performance based on Coinbase’s stock, not on any specific digital asset.

The notes pay a contingent interest rate of at least 22.00% per annum (at least 1.83333% per month) for each Review Date where Coinbase’s closing share price is at or above 50.00% of the Initial Value, the Interest Barrier. No interest is paid for periods when the stock is below this level. Starting with the June 22, 2026 Review Date, the notes are automatically called if Coinbase’s stock is at or above the Initial Value, returning $1,000 per note plus the applicable interest and ending future payments.

If the notes are not called and the Final Value on June 21, 2027 is at or above 50.00% of the Initial Value, investors receive $1,000 plus the final contingent interest. If the Final Value is below 50.00%, repayment is reduced one-for-one with the stock decline, and investors can lose more than half, up to all, of their principal. The notes are unsecured obligations, and an indicative estimated value is about $974 per $1,000 principal amount, and will not be less than $900 when set, reflecting embedded costs and hedging.

JPMorgan Chase Financial Company LLC is issuing $2,073,000 of unsecured Callable Contingent Interest Notes linked to the least performing of the Nasdaq‑100, Russell 2000 and S&P 500 indices, fully guaranteed by JPMorgan Chase & Co. The notes pay a monthly Contingent Interest Payment at a rate of 10.35% per annum (0.8625% per month) only if on each Review Date all three indices close at or above 70% of their Initial Values, called the Interest Barriers.

The notes may be redeemed early at the issuer’s option on specified Interest Payment Dates starting March 16, 2026, in which case investors receive $1,000 per note plus any due contingent interest. If the notes are not redeemed and, on the final Review Date, any index closes below its Trigger Value (also 70% of Initial Value), investors lose principal in proportion to the decline of the worst index and could lose their entire investment. The price to public is $1,000 per note, while the estimated value at pricing is $980.90, reflecting embedded costs and hedging charges.

JPMorgan Chase Financial Company LLC, fully guaranteed by JPMorgan Chase & Co., is offering principal-at-risk Auto-Callable Dual Directional Trigger PLUS linked to the iShares Bitcoin Trust ETF. Each note has a $1,000 stated principal amount and pays no interest.

If on the January 7, 2027 redemption observation date the ETF share price is at or above the initial share price, the notes are automatically redeemed for at least $1,272 per note (at least 127.20% of principal). If not redeemed and the ETF appreciates, maturity payment adds leveraged upside with a 150% participation rate.

If the ETF falls by up to 25%, investors receive principal plus an absolute positive return matching the decline, capped at $1,250. If the ETF closes below 75% of the initial share price at final valuation, repayment is $1,000 multiplied by the share performance factor, so investors can lose most or all of their principal. The notes are unsecured, not listed, and had an illustrative estimated value of about $947.70 per $1,000, not less than $920 on pricing.

JPMorgan Chase Financial Company LLC is offering $647,000 of auto callable contingent interest notes due September 16, 2027, linked to the Nasdaq-100 Technology Sector Index, the Russell 2000 Index and the S&P 500 Index, fully and unconditionally guaranteed by JPMorgan Chase & Co.

The notes pay a 7.10% per annum contingent coupon (0.59167% per month) only for Review Dates when the closing level of each index is at least 70% of its initial level. They can be automatically called starting June 11, 2026 if, on an applicable Review Date (other than the first five and final), all three indices are at or above their initial levels, returning $1,000 per note plus the applicable coupon.

If the notes are not called and on the final Review Date any index ends below 65% of its initial level, principal is reduced in line with the negative return of the worst-performing index, up to a complete loss. The notes are unsecured, not FDIC-insured, may be hard to sell, and are sold at $1,000 per note with an estimated value of $957.10, reflecting selling commissions, hedging costs and issuer funding assumptions.

JPMorgan Chase Financial Company LLC, fully guaranteed by JPMorgan Chase & Co., is issuing Capped Buffer GEARS linked to the S&P 500 Index with a total offering of $2,320,800 and a price of $10 per Security. These two-year notes, maturing on December 15, 2027, offer leveraged upside: if the index return is positive, investors receive principal plus 2.0x the index gain, capped at a 22.65% maximum gain.

If the index return is zero or negative but the final level stays at or above 90% of the initial level (a 10% buffer), principal is repaid at maturity. If the index falls below this downside threshold, repayment is reduced by 1% for each 1% decline beyond the 10% buffer, with losses of up to 90% of principal possible. The Securities pay no interest, provide no dividends, and all payments depend on the creditworthiness of JPMorgan entities.

The minimum investment is $1,000 (100 Securities), and the estimated value at pricing was $9.961 per $10 Security, reflecting structuring and hedging costs.

JPMorgan Chase Financial Company LLC, fully guaranteed by JPMorgan Chase & Co., is offering capped buffered return enhanced notes linked to the S&P 500^® Index, maturing on December 31, 2026. The notes provide 2.00x any positive Index return, up to a Maximum Return of at least 11.20%, corresponding to a maximum payment at maturity of at least $1,112 per $1,000 note.

A 10.00% buffer protects principal against moderate Index declines, but if the Index falls by more than 10.00%, investors lose 1% of principal for each additional 1% drop, for up to a 90.00% loss at maturity. The notes pay no interest, provide no dividends from S&P 500 companies, are unsecured, and depend on the credit of both JPMorgan Financial and JPMorgan Chase & Co.

The preliminary estimated value would be approximately $995.30 per $1,000 note, and will not be less than $970.00 per $1,000 when set, reflecting structuring and hedging costs. Key risks include capped upside, significant downside beyond the buffer, limited liquidity, issuer credit risk, and tax treatment that remains subject to confirmation and potential future regulatory changes.

JPMorgan Chase Financial Company LLC is offering principal-at-risk Jump Securities with an auto-callable feature due January 5, 2032, linked to the worst performer of the EURO STOXX 50, S&P 500 and TOPIX indices. The notes may be automatically redeemed on scheduled determination dates if each index closes at or above its initial level, paying an early redemption amount per $1,000 that starts at least at $1,130 and steps up by at least 3.25% per period to at least $1,747.50.

If not called and all final index values are at or above their initial levels, investors receive a maturity redemption payment of at least $1,780 per $1,000, corresponding to approximately 13.00% per year. If any index finishes below its initial level but all remain at or above 80% of initial (the downside threshold), only principal is returned. If any index ends below its downside threshold, repayment is reduced one-for-one with the worst index’s decline and can be zero.

The issue price is $1,000 per security, including a $30 selling commission and $5 structuring fee, for $965 in proceeds to the issuer. The preliminary estimated value is about $945.20 per $1,000, and will not be less than $910 at pricing. The securities are unsecured obligations of JPMorgan Chase Financial Company LLC, fully and unconditionally guaranteed by JPMorgan Chase & Co., are not FDIC insured, and involve market, credit, liquidity, tax and conflict-of-interest risks described in the risk discussions.

JPMorgan Chase Financial Company LLC is offering auto‑callable structured “Review Notes” linked to the lesser performing of the Russell 2000 Index and the EURO STOXX 50 Index, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes are expected to price on or about December 18, 2025 and mature on December 23, 2030, in minimum denominations of $1,000.

The notes do not pay interest or dividends and expose holders to the credit risk of both the issuer and guarantor. Starting June 18, 2026, if on any Review Date the closing level of each index is at or above 100% of its initial level, the notes are automatically called for $1,000 plus a call premium that steps up from at least 5.50% to at least 55.00% of principal, ending the investment early. If not called, and on the final Review Date each index is at or above 75% of its initial level, investors receive principal back; otherwise, the payoff is $1,000 plus $1,000 times the return of the lesser performing index, so losses can exceed 25% and reach total principal loss. The estimated value is approximately $950 per $1,000 note and will not be less than $920.

JPMorgan Chase Financial Company LLC, fully guaranteed by JPMorgan Chase & Co., is offering Capped Dual Directional Buffered Equity Notes linked to the S&P 500® Index and maturing in December 2027. The notes are designed for investors seeking capped, unleveraged exposure to index gains or to the absolute value of modest index declines, with a Maximum Upside Return of at least 13.90% and a 15.00% downside buffer.

At maturity, investors receive $1,000 plus the Index Return, capped at a payment of at least $1,139.00 per $1,000 if the index rises, or plus the Absolute Index Return when the index is flat or down by up to 15.00%, for a maximum $1,150.00 per $1,000 in that scenario. If the index falls by more than 15.00%, principal is reduced one-for-one beyond the buffer, with losses up to 85.00% of principal. The notes pay no interest, do not provide dividends, are not FDIC insured or exchange-listed, and their value depends on the credit risk of the issuer and guarantor. If priced today, the estimated value would be about $962.50 per $1,000 principal amount, and the final estimated value will not be less than $900.00 per $1,000.