JPMORGAN CHASE & CO (JPM) SEC Filings, Jul 15-16, 2026

JPMorgan Chase Financial Company LLC is offering $735,000 principal amount of Callable Contingent Interest Notes linked to the lesser performing of the Nasdaq-100® Technology Sector and the Russell 2000® Index, due January 20, 2028 and fully guaranteed by JPMorgan Chase & Co.

The notes pay a 13.00% per annum Contingent Interest, credited monthly, only for Review Dates when the closing level of each index is at least 70.00% of its Initial Value, which also serves as the Trigger Value. If the notes are not redeemed early and the Final Value of either index is below its Trigger Value, principal is reduced 1-for-1 with the decline of the lesser performing index, potentially to zero; there is no upside participation above par.

The issuer may redeem the notes at its option on specified Interest Payment Dates starting October 19, 2026, in which case investors receive $1,000 per note and, in some cases, a Contingent Interest Payment, with no further payments. The notes are unsecured, unsubordinated obligations of JPMorgan Financial, subject to the credit risk of both JPMorgan Financial and JPMorgan Chase & Co. The price to public is $1,000 per note, while the estimated value is $977.00 per $1,000, reflecting embedded selling, structuring and hedging costs, and the notes are not bank deposits or FDIC insured.

JPMorgan Chase Financial Company LLC, guaranteed by JPMorgan Chase & Co., is offering callable contingent interest notes linked to the lesser performing of the KraneShares CSI China Internet ETF (KWEB) and the iShares China Large-Cap ETF (FXI), maturing on July 19, 2029.

The notes pay a quarterly contingent interest rate of at least 12.50% per annum (at least $31.25 per $1,000) only if on each review date both ETFs close at or above 65.00% of their initial values, which also serve as the interest barriers and trigger values. If this condition is not met, no interest is paid for that quarter.

JPMorgan may redeem the notes early, in whole, on any interest payment date from January 21, 2027 onward at $1,000 plus any applicable contingent interest. If held to maturity and either ETF finishes below its 65.00% trigger, principal is reduced in line with the loss on the lesser performer, potentially exceeding a 35% loss and up to a full loss of principal. The estimated value is about $970 per $1,000 note today and will not be less than $950 at pricing.

JPMorgan Chase & Co. is offering senior unsecured callable fixed rate notes due July 31, 2046 that pay 5.80% per annum. Interest is paid annually in arrears on July 31, beginning in 2027, using a 30/360 day count.

Starting July 31, 2029, and on the last calendar day of January and July through January 31, 2046, JPMorgan may redeem the notes in whole at par plus accrued interest. The price to public for each $1,000 principal amount note will be between $950.10 and $1,000, with estimated selling commissions of about $23.75 per $1,000, capped at $50. The notes are not bank deposits, are not FDIC-insured, and rank as unsecured obligations of JPMorgan Chase & Co.; in a resolution, holders could absorb losses with other unsecured creditors and equity holders.

JPMorgan Chase Financial Company LLC is offering Trigger Autocallable Contingent Yield Notes with memory interest at $10 principal amount per Note, fully and unconditionally guaranteed by JPMorgan Chase & Co., linked to the least performing of Alcoa, Amazon.com and Broadcom common stocks, maturing on or about July 26, 2029.

The Notes pay quarterly contingent coupons expected between 20.50% and 22.00% per annum, but only if the closing price of each stock is at or above its Coupon Barrier, set at 50.00% of its Initial Value; missed coupons may be paid later under a memory interest feature. The Notes auto-call on any Observation Date if each stock is at or above its Initial Value, returning principal plus applicable coupons.

If not called, principal is repaid at maturity only if each Final Value is at or above its Downside Threshold, equal to the same 50.00% level; otherwise repayment is reduced in proportion to the decline of the Least Performing Underlying, potentially to zero. The price to public is $10 per Note, with selling commissions of $0.225 and proceeds to the issuer of $9.775 per Note. The illustrative estimated value is approximately $9.41 per $10 Note, and will not be less than $9.10 when set. The Notes are unsecured, not FDIC insured, will not be listed on an exchange and carry the credit risk of both issuer and guarantor.

JPMorgan Chase Financial Company LLC, fully guaranteed by JPMorgan Chase & Co., is offering Uncapped Dual Directional Accelerated Barrier Notes linked to the S&P 500® Futures Excess Return Index, maturing August 5, 2031. The notes pay no interest and are unsecured, unsubordinated obligations.

At maturity, if the Index has risen, investors receive $1,000 plus the Index return multiplied by an Upside Leverage Factor of at least 1.95 per $1,000 note. If the Index is flat or down but still at or above 60% of its initial level, investors receive the absolute value of the Index loss, up to a 40% gain, for a maximum of $1,400 per $1,000 note.

If the Index closes below the 60% barrier on the observation date, principal is reduced 1% for each 1% Index decline, and investors may lose all principal. Minimum denomination is $1,000. If priced on the example date, the estimated value would be about $981.10 per $1,000 note and will be at least $900. Liquidity is expected to be limited, and secondary prices are likely to be below the issue price.

JPMorgan Chase Financial Company LLC is offering Uncapped Dual Directional Accelerated Barrier Notes linked to the S&P 500® Futures Excess Return Index, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes, in minimum denominations of $1,000, are expected to price on or about July 31, 2026 and mature on August 5, 2032.

At maturity, if the index has risen, investors receive principal plus at least 2.03x the index gain, with no upside cap. If the index is flat or down but still at or above 60.00% of its initial level (the Barrier Amount), repayment adds the Absolute Index Return, allowing gains up to 40.00% when the index has fallen but not breached the barrier. If the final level is below the barrier, repayment falls one-for-one with the index decline and investors can lose more than 40% and up to all principal.

The notes pay no interest, are unsecured obligations subject to the credit risk of JPMorgan Financial and JPMorgan Chase & Co., and will not be listed. If issued today, the estimated value would be about $947.50 per $1,000 note and, when set on the pricing date, will not be less than $900.00, reflecting selling commissions, structuring fees, hedging costs and the issuer’s internal funding rate.

JPMorgan Chase Financial Company LLC, fully and unconditionally guaranteed by JPMorgan Chase & Co., is offering auto callable buffered notes linked to the lesser performer of the EURO STOXX 50 Index and the iShares MSCI EAFE ETF.

Each $1,000 note can be automatically called on August 4, 2027 if each underlying is at or above 100.00% of its Initial Value, paying $1,000 plus a Call Premium Amount of at least $172.50. If not called and both underlyings finish above their Initial Values on July 31, 2028, the maturity payment equals $1,000 plus 2.00 times the gain of the lesser performer. A 10.00% downside buffer applies; beyond that, investors lose 1% of principal for each additional 1% decline in the lesser performer, up to a 90.00% loss.

The notes pay no interest or dividends, are unsecured and unsubordinated obligations subject to the credit risk of JPMorgan Financial and JPMorgan Chase & Co., are issued in minimum denominations of $1,000, are not listed on any exchange, and have an indicative estimated value of $980.40 per $1,000, which will not be less than $900.00 when finalized.

JPMorgan Chase Financial Company LLC is offering Structured Investments Buffered Digital Dual Directional Notes linked to the Russell 2000 Index, due July 21, 2028, fully and unconditionally guaranteed by JPMorgan Chase & Co. The notes pay no interest and do not provide dividend exposure, and any payment at maturity depends on index performance and the issuers’ credit.

If the index’s Final Value is at or above its Initial Value on the July 18, 2028 observation date, investors receive principal plus a fixed Contingent Digital Return of at least 24.10% per $1,000 note. If the index is below the Initial Value but down by no more than the 15.00% Buffer Amount, investors earn a positive return equal to the absolute index decline, capped at $1,150.00 per $1,000 note.

Below the 15.00% buffer, losses accelerate: investors lose 1.17647% of principal for each additional 1% index decline, and can lose their entire investment. The notes are issued in $1,000 minimum denominations, are not exchange-listed, and secondary prices are expected to be below the $1,000 issue price. The indicative estimated value is about $991.30 per $1,000 note today and will not be less than $960.00 at pricing. U.S. tax treatment relies on an “open transaction” prepaid contract analysis that the IRS could challenge, and Section 871(m) withholding is not expected to apply to most Non-U.S. Holders.

JPMorgan Chase & Co. is offering Callable Fixed Rate Notes due July 31, 2034, issued in $1,000 principal denominations. The notes pay fixed interest of 5.35% per annum, with interest payable annually on July 31, beginning July 31, 2027, using a 30/360 day count.

The issuer may redeem the notes in whole (but not in part) on the last calendar day of January, April, July and October from July 31, 2028 through April 30, 2034, at par plus accrued interest. The notes are unsecured obligations of JPMorgan Chase & Co., are not bank deposits or FDIC insured, and in a resolution scenario holders rank as unsecured creditors of the parent company. For U.S. federal income tax purposes, the notes are expected to be treated as debt instruments with fixed interest and no original issue discount.