JPMORGAN CHASE & CO (JPM) SEC Filings, Jul 20, 2026

JPMorgan Chase Financial Company LLC is offering $2,054,000 of Auto Callable Contingent Interest Notes linked to the common stock of Netflix, Inc., due August 19, 2027, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes pay a Contingent Interest Rate of 9.65% per annum (0.80417% per month) only for Review Dates when the Netflix share price is at or above 60.00% of the Initial Value, the Interest Barrier.

The notes may be automatically called on certain Review Dates, starting January 19, 2027, if the Netflix share price is at or above the Initial Value, in which case investors receive $1,000 plus the applicable contingent interest and no further payments. If not called, and the Final Value is at or above the Trigger Value (also 60.00% of the Initial Value), investors receive principal plus the final contingent interest.

If the notes are not called and the Final Value is below the Trigger Value, repayment is reduced by the full negative stock return, and investors can lose some or all principal. The notes are unsecured obligations subject to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co. The price to public is $1,000 per note, including $15 in selling commissions; the issuer’s estimated value at pricing was $966 per $1,000 note.

JPMorgan Chase Financial Company LLC is issuing $2,198,000 of callable Contingent Interest Notes linked individually to the Nasdaq-100® Technology Sector, the Russell 2000® Index and the S&P 500® Index, fully and unconditionally guaranteed by JPMorgan Chase & Co. Each note has a $1,000 denomination, matures on June 22, 2028, and may be redeemed early at the issuer’s option on specified Interest Payment Dates beginning October 21, 2026.

Investors may receive a Contingent Interest Rate of 11.00% per annum (0.91667% monthly) only when the closing level of each Index on a Review Date is at or above its Interest Barrier of 70% of Initial Value; otherwise no interest is paid. If held to maturity and any Index finishes below its Trigger Value of 60% of Initial Value, repayment is reduced 1:1 with the Least Performing Index, potentially down to zero. The price to public is $1,000 per note, with selling-related fees embedded; the issuer’s estimated value is lower at $974.40 per note. The notes are unsecured, subject to the credit risk of JPMorgan Financial and JPMorgan Chase & Co., are not FDIC insured, and are expected to have limited or no secondary market liquidity.

JPMorgan Chase Financial Company LLC is offering $1,809,000 of callable contingent interest notes linked individually to the Nasdaq-100® Technology Sector, the Russell 2000® Index and the S&P 500® Index, fully and unconditionally guaranteed by JPMorgan Chase & Co.

The notes pay a 9.00% per annum contingent coupon (0.75% monthly) only if on a Review Date the closing level of each index is at least 70.00% of its Initial Value. They are callable at the issuer’s option on specified Interest Payment Dates from October 21, 2026 through maturity on June 22, 2028. If not called, at maturity investors receive principal plus the final coupon only if the Least Performing Index finishes at or above its 60.00% Trigger Value; otherwise repayment is reduced 1% for each 1% decline in that index, down to a total loss of principal.

The notes are unsecured, unsubordinated obligations of JPMorgan Financial, subject to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co., are not listed, and may be illiquid. The estimated value at pricing was $960.00 per $1,000 note, below the issue price, reflecting selling commissions, hedging costs and issuer funding assumptions, and investors forgo dividends on the underlying indices.

JPMorgan Chase Financial Company LLC is issuing $992,000 of Auto Callable Contingent Interest Notes due July 21, 2031, linked to the MerQube US Tech+ Vol Advantage Index and fully guaranteed by JPMorgan Chase & Co. The notes pay a contingent interest rate of 8.50% per annum, credited monthly only when the Index closes on a review date at or above an Interest Barrier set at 51.00% of the Initial Value; missed coupons can be paid later if conditions are met. The notes are automatically called quarterly if the Index is at or above its Initial Value, with return of principal plus due coupons, starting as early as July 16, 2027.

At maturity, if not called, principal is protected only down to a Buffer Threshold of 85.00% of the Initial Value; below that, investors lose 1% of principal for each 1% Index decline beyond the 15.00% buffer, up to an 85.00% loss of principal. The underlying Index uses up to 500% leverage, targets 35% implied volatility, and is reduced by a 6.0% per annum daily deduction plus a notional financing cost on the QQQ exposure, so it will trail an equivalent index without these charges. The notes are unsecured obligations subject to the credit risk of JPMorgan Financial and JPMorgan Chase & Co. The price to public is $1,000 per note, with selling commissions of $39 per $1,000 and an estimated value of $914.20 per $1,000 at pricing.

JPMorgan Chase Financial Company LLC is offering $636,000 of Auto Callable Contingent Interest Notes linked to the MerQube US Tech+ Vol Advantage Index, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes pay a 7.35% per annum Contingent Interest Rate (0.6125% per month) only for Review Dates when the Index closes at or above 80% of the Initial Value, with missed interest amounts paid later if a subsequent Review Date is above the barrier. The notes may be automatically called as early as July 16, 2027 if on certain Review Dates the Index is at or above 90% of the Initial Value, returning principal plus due interest.

If not called, principal is protected only down to a 70% Buffer Threshold; below that level at maturity, investors lose 1% of principal for each 1% Index decline beyond the 30% buffer, up to a 70% loss of principal. The Index embeds a 6.0% per annum daily deduction and a daily notional financing cost (SOFR plus 0.50%), which drag on performance and cause it to lag a similar index without such costs. The price to public is $1,000 per note, including $39 in fees and commissions, for net proceeds of $611,196; the estimated value is $915.90 per $1,000 note. Payments depend entirely on the credit of JPMorgan Financial and JPMorgan Chase & Co. and the behavior of a leveraged, volatility-targeting, excess-return index tied to the Invesco QQQ Fund.

JPMorgan Chase Financial Company LLC is offering Capped Trigger GEARS linked to the S&P 500® Index at $10.00 per Security, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes are unsecured, unsubordinated obligations.

The 4‑year Securities (expected to mature on or about July 31, 2030) provide 1.50x Upside Gearing on any positive S&P 500® return, subject to a Maximum Gain between 44.70% and 48.70%, set on the Trade Date. If the index return is zero or negative but the final level is at least 75% of the Initial Value (the Downside Threshold), investors receive principal back at maturity.

If the S&P 500® closes below the Downside Threshold at maturity, repayment is reduced dollar‑for‑dollar with the index loss, and investors can lose all principal. The Securities pay no interest and do not provide dividends. Price to public is $10.00, with up to $0.30 per Security in selling commissions and $9.70 in proceeds to the issuer. The indicative estimated value is about $9.607 per $10, and when finalized will not be less than $9.30. All payments depend on the credit of JPMorgan Financial and JPMorgan Chase & Co. J.P. Morgan has made $400,000 in unconditional donations to Hope & Heroes, separate from this offering.

JPMorgan Chase Financial Company LLC is offering unsecured Trigger GEARS notes linked to an unequally weighted basket of five equity indices, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes have a 5‑year term, with an issue price of $10 per Security and a minimum investment of $1,000.

At maturity, if the Basket Return is positive, investors receive $10 plus the Basket Return multiplied by an Upside Gearing between 1.50 and 1.69. If the Basket Return is zero or negative but the Final Basket Value is at or above the Downside Threshold of 75% of the Initial Basket Value, principal of $10 is repaid. If the Basket Return is negative and the Final Basket Value is below the Downside Threshold, repayment equals $10 plus $10 times the Basket Return, exposing investors to full downside and potential total loss of principal.

The Basket weights are 40.00% EURO STOXX 50® Index, 25.00% Nikkei 225 Index, 17.50% FTSE® 100 Index, 10.00% Swiss Market Index and 7.50% S&P/ASX 200 Index. The Securities pay no interest and no dividends, and all payments are subject to the credit risk of JPMorgan Financial and JPMorgan Chase & Co. The price to public is $10, including $0.35 in selling commissions, with an indicative estimated value of about $9.414 per $10 and a floor of $9.10 per $10 when terms are set. Separately, J.P. Morgan has made $400,000 of unconditional donations to Hope & Heroes, which are not contingent on sales of the Securities.

JPMorgan Chase Financial Company LLC is offering $368,000 of Uncapped Accelerated Barrier Notes linked to the lesser performance of the iShares® MSCI EAFE ETF and the EURO STOXX 50® Index, fully and unconditionally guaranteed by JPMorgan Chase & Co.

The notes pay no interest or dividends and provide 2.25x leveraged upside on the lesser performing underlying if both finish above their initial values, with full principal return if each finishes at or above its 65% Barrier Amount. If either underlying closes below its Barrier Amount, investors lose 1% of principal for each 1% decline in the lesser performing underlying and can lose their entire investment.

The price to the public is $1,000 per note, including $6 in selling commissions, with issuer proceeds of $994 per note. The issuer’s estimated value is $969.60 per note. The notes are unsecured, subject to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co., will not be listed, and secondary market prices are expected to be below the issue price.

JPMorgan Chase Financial Company LLC is offering auto callable contingent interest notes linked to the MerQube US Large-Cap Vol Advantage Index, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes pay a Contingent Interest Payment on each monthly Review Date only if the Index is at or above 65% of its Initial Value (the Interest Barrier). The notes may be automatically called as early as August 2, 2027 if, on designated Review Dates, the Index is at or above a Call Value, in which case investors receive $1,000 per note plus the applicable contingent interest and no further payments.

If the notes are not called and at maturity the Index is at or above the Trigger Value (also 65% of Initial Value), investors receive $1,000 plus the final contingent interest; if the Index is below the Trigger Value, repayment is reduced one-for-one with the Index decline, down to zero, so principal loss may be total. The Contingent Interest Rate will be at least 14.00% per annum, but interest is not guaranteed. The underlying Index employs up to 500% leverage, a 35% target volatility mechanism and is subject to a 6.0% per annum daily deduction, which acts as a persistent drag and can cause the Index to underperform or decline even when its futures strategy is flat or moderately positive. The notes are unsecured, unsubordinated obligations subject to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co., are intended for buy-and-hold investors comfortable with equity index volatility, leverage, structural complexity, limited upside and potentially significant principal loss.