<SEC-DOCUMENT>0001213900-25-122853.txt : 20251217
<SEC-HEADER>0001213900-25-122853.hdr.sgml : 20251217
<ACCEPTANCE-DATETIME>20251217165459
ACCESSION NUMBER:		0001213900-25-122853
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20251217
DATE AS OF CHANGE:		20251217

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JPMORGAN CHASE & CO
		CENTRAL INDEX KEY:			0000019617
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				132624428
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-270004
		FILM NUMBER:		251579979

	BUSINESS ADDRESS:	
		STREET 1:		383 MADISON AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10017
		BUSINESS PHONE:		2122706000

	MAIL ADDRESS:	
		STREET 1:		383 MADISON AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10017

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	J P MORGAN CHASE & CO
		DATE OF NAME CHANGE:	20010102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CHASE MANHATTAN CORP /DE/
		DATE OF NAME CHANGE:	19960402

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CHEMICAL BANKING CORP
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JPMorgan Chase Financial Co. LLC
		CENTRAL INDEX KEY:			0001665650
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				475462128
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-270004-01
		FILM NUMBER:		251579980

	BUSINESS ADDRESS:	
		STREET 1:		383 MADISON AVENUE
		STREET 2:		FLOOR 21
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10179
		BUSINESS PHONE:		(212) 270-6000

	MAIL ADDRESS:	
		STREET 1:		383 MADISON AVENUE
		STREET 2:		FLOOR 21
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10179
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>ea0270129-01_424b2.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: red"><B>The information in this preliminary pricing supplement is
not complete and may be changed. This preliminary pricing supplement is not an offer to sell nor does it seek an offer to buy these securities
in any jurisdiction where the offer or sale is not permitted.</B></P>

<P STYLE="color: red; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Subject to completion dated December 17,
2025</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%; text-align: left; font-size: 7.5pt; color: gray; font-weight: bold"><FONT STYLE="font-size: 14pt">JPMorgan Chase Financial Company LLC</FONT></TD>
    <TD STYLE="vertical-align: middle; width: 20%; text-align: right; font-size: 7.5pt; color: gray; font-weight: bold">December 2025</TD></TR>
  </TABLE>
<P STYLE="color: gray; font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Preliminary Pricing Supplement</P>

<P STYLE="color: gray; font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Registration Statement Nos. 333-270004
and 333-270004-01</P>

<P STYLE="color: gray; font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Dated December&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , 2025</P>

<P STYLE="color: gray; font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Filed pursuant to Rule 424(b)(2)</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0; text-transform: uppercase">Structured Investments</P>

<P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0">Opportunities in U.S. Equities</P>

<P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Contingent Income Auto-Callable Securities due December
22, 2028</P>

<P STYLE="color: gray; font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Based on the Performance of the State Street<SUP>&reg;</SUP>
Energy Select Sector SPDR<SUP>&reg;</SUP> ETF<BR>
Principal at Risk Securities</B></P>

<P STYLE="color: gray; font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Fully and Unconditionally Guaranteed by JPMorgan Chase&nbsp;&amp;&nbsp;Co.</B></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0">Contingent Income Auto-Callable Securities do not guarantee the payment of
interest or the repayment of principal. Instead, the securities offer the opportunity for investors to earn a contingent quarterly payment
equal to at least 2.00% of the stated principal amount with respect to each quarterly monitoring period during which the closing price
of one ETF Share on each day is greater than or equal to 75% of the initial share price, which we refer to as the coupon barrier level.
However, if, on any day during a quarterly monitoring period, the closing price of one ETF Share is less than the coupon barrier level,
you will not receive any contingent quarterly payment for the related quarterly monitoring period. In addition, if the closing price of
one ETF Share is greater than or equal to the initial share price on any determination date (other than the first and final determination
dates), the securities will be automatically redeemed for an amount per security equal to the stated principal amount <I>plus</I> any
contingent quarterly payment otherwise due with respect to the related quarterly monitoring period. If the securities have not been automatically
redeemed prior to maturity and the final share price is greater than or equal to 65% of the initial share price, which we refer to as
the downside threshold level, the payment at maturity due on the securities will be the stated principal amount <I>plus</I>, if the closing
price of one ETF Share on each day during the final quarterly monitoring period is greater than or equal to the coupon barrier level,
the contingent quarterly payment with respect to the final quarterly monitoring period. If, however, the securities have not been automatically
redeemed prior to maturity and the final share price is less than the downside threshold level, you will be exposed to the decline in
the closing price of one ETF Share, as compared to the initial share price, on a 1-to-1 basis and will receive a cash payment at maturity
that is less than 65% of the stated principal amount of the securities and could be zero. The securities are for investors who are willing
to risk their principal and seek an opportunity to earn interest at a potentially above-market rate in exchange for the risk of receiving
few or no contingent quarterly payments and also the risk of receiving a cash payment at maturity that is significantly less than the
stated principal amount of the securities and could be zero. <B>Accordingly, investors could lose their entire initial investment in the
securities.</B> Investors will not participate in any appreciation of the ETF Shares. The securities are unsecured and unsubordinated
obligations of JPMorgan Chase Financial Company LLC, which we refer to as JPMorgan Financial, the payment on which is fully and unconditionally
guaranteed by JPMorgan Chase&nbsp;&amp;&nbsp;Co., issued as part of JPMorgan Financial&#8217;s Medium-Term Notes, Series A, program. <B>Any
payment on the securities is subject to the credit risk of JPMorgan Financial, as issuer of the securities, and the credit risk of JPMorgan
Chase&nbsp;&amp;&nbsp;Co., as guarantor of the securities.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="background-color: #296DC1">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; width: 25%; font-size: 10pt; color: White; font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>SUMMARY TERMS</B></FONT></TD>
    <TD STYLE="width: 75%; font-size: 10pt; color: white; font-weight: bold">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; background-color: #DCEBF5; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Issuer:</B></FONT></TD>
    <TD STYLE="background-color: #DAE9F7; layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">JPMorgan Chase Financial Company LLC, a direct, wholly owned finance subsidiary of JPMorgan Chase&nbsp;&amp;&nbsp;Co.</FONT></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Guarantor:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">JPMorgan Chase&nbsp;&amp;&nbsp;Co.</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF5">
    <TD STYLE="padding-right: 5.4pt; font-size: 9pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #296DC1"><B>ETF Shares:</B></FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 9pt"><FONT STYLE="font-size: 7.5pt">Shares of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF (Bloomberg ticker: XLE UP Equity)</FONT></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Aggregate principal amount:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">$</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF5">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Early redemption:</B></FONT></TD>
    <TD>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0">If, on any of the determination dates (other than the first and final determination
    dates), the closing price of one ETF Share is <B>greater than or equal to </B>the initial share price, the securities will be automatically
    redeemed for an early redemption payment on the first contingent payment date immediately following the related determination date. No
    further payments will be made on the securities once they have been redeemed.</P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0"><B>The securities will not be redeemed early on any contingent payment
    date if the closing price of one ETF Share is below the initial share price on the related determination date.</B></P></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Early redemption payment:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">The early redemption payment will be an amount equal to (i) the stated principal amount <I>plus</I> (ii) any contingent quarterly payment otherwise due with respect to the related quarterly monitoring period.</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF5">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Contingent quarterly payment:</B></FONT></TD>
    <TD>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.13in; text-indent: -0.13in"><FONT STYLE="font-family: Symbol; font-size: 7.5pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;&nbsp;
    </FONT><FONT STYLE="font-size: 7.5pt">If the closing price of one ETF Share is greater than or equal to the coupon barrier level on <B>each</B>
    day during a quarterly monitoring period, we will pay a contingent quarterly payment of at least $20.00 (at least 2.00% of the stated
    principal amount) per security on the related contingent payment date. The actual contingent quarterly payment will be provided in the
    pricing supplement.</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.13in; text-indent: -0.13in"><FONT STYLE="font-family: Symbol; font-size: 7.5pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;&nbsp;
    </FONT><FONT STYLE="font-size: 7.5pt">If the closing price of one ETF Share is less than the coupon barrier level on <B>any</B> day during
    a quarterly monitoring period, no contingent quarterly payment will be payable with respect to that quarterly monitoring period. <B>It
    is possible that the closing price of one ETF Share will be below the coupon barrier level on at least one day during most or all of the
    quarterly monitoring periods so that you will receive few or no contingent quarterly payments.</B></FONT></P></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Determination dates:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">March 19, 2026, June 22, 2026, September 21, 2026, December 21, 2026, March 19, 2027, June 21, 2027, September 20, 2027, December 20, 2027, March 20, 2028, June 20, 2028, September 19, 2028 and December 19, 2028, subject to postponement for non-trading days and certain market disruption events </FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF5">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Contingent payment dates:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">March 24, 2026, June 25, 2026, September 24, 2026, December 24, 2026, March 24, 2027, June 24, 2027, September 23, 2027, December 23, 2027, March 23, 2028, June 23, 2028, September 22, 2028 and the maturity date</FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; width: 25%; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Payment at maturity:</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 38%">
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.13in; text-indent: -0.13in"><FONT STYLE="font-family: Symbol; font-size: 7.5pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;&nbsp;
    </FONT><FONT STYLE="font-size: 7.5pt">If the final share price is <B>greater than or equal to</B> the downside threshold level:</FONT></P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="padding-left: 5.4pt; vertical-align: top; width: 37%; layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">(i) the stated principal amount <I>plus</I>, (ii) if the closing price of one ETF Share on each day during the final quarterly monitoring period is greater than or equal to the coupon barrier level, the contingent quarterly payment with respect to the final quarterly monitoring period.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.13in; vertical-align: top; layout-grid-mode: char; font-size: 8.5pt; text-indent: -0.13in"><FONT STYLE="font-family: Symbol; font-size: 7.5pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;&nbsp; </FONT><FONT STYLE="font-size: 7.5pt">If the final share price is <B>less than</B> the downside threshold level:</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; vertical-align: top; layout-grid-mode: char; font-size: 8.5pt"><FONT STYLE="font-size: 7.5pt">(i) the stated principal amount <I>times</I> (ii) the share performance factor.&nbsp;&nbsp;This cash payment will be less than 65% of the stated principal amount of the securities and could be zero.</FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-right: 5.4pt; width: 25%; background-color: #DCEBF5; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Coupon barrier level:</FONT></TD>
    <TD STYLE="width: 75%; background-color: #DAE9F7; layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is equal to 75% of the initial share price</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Downside threshold level:</FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is equal to 65% of the initial share price</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; background-color: #DCEBF5; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Quarterly monitoring period:</FONT></TD>
    <TD STYLE="vertical-align: top; background-color: #DAE9F7; layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">With respect to each contingent payment date, the period from but excluding the second immediately preceding determination date (or, in the case of the first determination date, from but excluding the pricing date) to and including the immediately preceding determination date</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Initial share price:</FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">The closing price of one ETF Share on the pricing date</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; background-color: #DCEBF5; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Final share price:</FONT></TD>
    <TD STYLE="background-color: #DAE9F7; layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">The closing price of one ETF Share on the final determination date</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Share adjustment factor:</FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">The share adjustment factor is referenced in determining the closing price of one ETF Share and is set initially at 1.0 on the pricing date.&nbsp;&nbsp;The share adjustment factor is subject to adjustment in the event of certain events affecting the ETF Shares.&nbsp;&nbsp;See &#8220;The Underlyings &#8212; Funds &#8212; Anti-Dilution Adjustments&#8221; in the accompanying product supplement.</FONT></TD></TR>
  <TR STYLE="background-color: #DAE9F7">
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Share performance factor:</FONT></TD>
    <TD STYLE="vertical-align: top; layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">final share price / initial share price</FONT></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Stated principal amount:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Issue price:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">$1,000 per security (see &#8220;Commissions and issue price&#8221; below)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Pricing date:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">December&nbsp;&nbsp;&nbsp;, 2025 (expected to price on or about December 19, 2025)</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Original issue date (settlement date):</B></FONT></TD>
    <TD STYLE="vertical-align: top; layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">December&nbsp;&nbsp;&nbsp;, 2025 (3 business days after the pricing date)</FONT></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Maturity date*:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">December 22, 2028</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>CUSIP/ISIN:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">48136MKT3 / US48136MKT35</FONT></TD></TR>
  <TR>
    <TD STYLE="font-style: normal; padding-right: 5.4pt; layout-grid-mode: char; color: rgb(41,109,193); font-weight: normal; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt"><B>Listing:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">The securities will not be listed on any securities exchange.</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Agent:</FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 7.5pt">J.P. Morgan Securities LLC (&#8220;JPMS&#8221;)</FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-right: 5.4pt; width: 25%; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Commissions and issue price:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; vertical-align: top; width: 25%; text-align: center; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">Price to public<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; vertical-align: top; width: 25%; text-align: center; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">Fees and commissions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; vertical-align: top; width: 25%; text-align: center; layout-grid-mode: char; color: #296DC1; font-weight: bold; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">Proceeds to issuer</FONT></TD></TR>
  <TR STYLE="background-color: rgb(220,235,244); vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; padding-left: 0.875in"><FONT STYLE="font-size: 7.5pt"><B>Per security</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$1,000.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$20.00<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$975.00</FONT></TD></TR>
  <TR STYLE="background-color: rgb(220,235,244); vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$5.00<SUP>3)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; layout-grid-mode: char; color: #296DC1; padding-left: 0.875in"><FONT STYLE="font-size: 7.5pt"><B>Total</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; layout-grid-mode: char; padding-left: 5.4pt"><FONT STYLE="font-size: 7.5pt">$</FONT></TD></TR>
  </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 7pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="padding-left: 5.4pt; width: 0.25in"><I>(1)</I></TD><TD><I>See &#8220;Additional Information about the Securities &#8212; Supplemental use of proceeds and hedging&#8221; in this document
for information about the components of the price to public of the securities.</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 7pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="padding-left: 5.4pt; width: 0.25in"><I>(2)</I></TD><TD><I>JPMS, acting as agent for JPMorgan Financial, will pay all of the selling commissions it receives from us to Morgan Stanley Smith
Barney LLC (&#8220;Morgan Stanley Wealth Management&#8221;). In no event will these selling commissions exceed $20.00 per $1,000 stated
principal amount security. See &#8220;Plan of Distribution (Conflicts of Interest)&#8221; in the accompanying product supplement.</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 7pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="padding-left: 5.4pt; width: 0.25in"><I>(3)</I></TD><TD><I>Reflects a structuring fee payable to Morgan Stanley Wealth Management by the agent or its affiliates of $5.00 for each $1,000
stated principal amount security.</I></TD></TR></TABLE>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: -4.5pt"><I>* Subject to postponement in the event of a market
disruption event and as described under &#8220;General Terms of Notes &#8212; Postponement of a Determination Date &#8212; Notes Linked
to a Single Underlying &#8212; Notes Linked to a Single Underlying (Other Than a Commodity Index)&#8221; and &#8220;General Terms of Notes
&#8212; Postponement of a Payment Date&#8221; in the accompanying product supplement</I></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0"><B>If the securities priced today and assuming a contingent quarterly payment
equal to the minimum listed above, the estimated value of the securities would be approximately $956.70 per $1,000 stated principal amount
security. The estimated value of the securities on the pricing date will be provided in the pricing supplement and will not be less than
$930.00 per $1,000 stated principal amount security. </B>See &#8220;Additional Information about the Securities &#8212; The estimated
value of the securities&#8221; in this document for additional information.</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Investing in the securities involves a number of risks. See &#8220;Risk
Factors&#8221; beginning on page S-2 of the accompanying prospectus supplement, Annex A to the accompanying prospectus addendum, &#8220;Risk
Factors&#8221; beginning on page PS-11 of the accompanying product supplement and &#8220;Risk Factors&#8221; beginning on page 9 of this
document.</B></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0">Neither the Securities and Exchange Commission (the &#8220;SEC&#8221;) nor
any state securities commission has approved or disapproved of the securities or passed upon the accuracy or the adequacy of this document
or the accompanying product supplement, underlying supplement, prospectus supplement, prospectus and prospectus addendum. Any representation
to the contrary is a criminal offense.</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0"><I>The securities are not bank deposits, are not insured by the Federal Deposit
Insurance Corporation or any other governmental agency and are not obligations of, or guaranteed by, a bank.</I></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0"><B>You should read this document together with the related product supplement,
underlying supplement, prospectus supplement, prospectus and prospectus addendum, each of which can be accessed via the hyperlinks below.
Please also see &#8220;Additional Information about the Securities&#8221; at the end of this document.</B></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Product supplement no. 4-I dated April 13, 2023: <A HREF="http://www.sec.gov/Archives/edgar/data/19617/000121390023029539/ea152803_424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000121390023029539/ea152803_424b2.pdf</A></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Underlying supplement no. 1-I dated April 13, 2023: <A HREF="http://www.sec.gov/Archives/edgar/data/19617/000121390023029543/ea151873_424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000121390023029543/ea151873_424b2.pdf</A></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Prospectus supplement and prospectus, each dated April
13, 2023: <A HREF="http://www.sec.gov/Archives/edgar/data/19617/000095010323005751/crt_dp192097-424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000095010323005751/crt_dp192097-424b2.pdf</A></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Prospectus addendum dated June 3, 2024: <A HREF="http://www.sec.gov/Archives/edgar/data/1665650/000095010324007599/dp211753_424b3.htm">http://www.sec.gov/Archives/edgar/data/1665650/000095010324007599/dp211753_424b3.htm</A></P>

<P STYLE="color: #296DC1; font: 16pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0 0 6pt">Investment Summary</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0">The Contingent Income Auto-Callable Securities due December 22, 2028 Based
on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF, which we refer to as the securities,
do not provide for the regular payment of interest. Instead, the securities provide an opportunity for investors to earn a contingent
quarterly payment, which is an amount equal to at least $20.00 (at least 2.00% of the stated principal amount) per security, with respect
to each quarterly monitoring period during which the closing price of one ETF Share on each day is greater than or equal to 75% of the
initial share price, which we refer to as the coupon barrier level. The actual contingent quarterly payment will be provided in the pricing
supplement. The contingent quarterly payment, if any, will be payable quarterly on the contingent payment date immediately following the
determination date on which the related quarterly monitoring period ends. However, if the closing price of one ETF Share is less than
the coupon barrier level on any day during a quarterly monitoring period, investors will receive no contingent quarterly payment for that
quarterly monitoring period. It is possible that the closing price of one ETF Share could be below the coupon barrier level on at least
one day during most or all of the quarterly monitoring periods so that you will receive few or no contingent quarterly payments during
the term of the securities. We refer to these payments as contingent, because there is no guarantee that you will receive a payment on
any contingent payment date. Even if the closing price of one ETF Share were to be at or above the coupon barrier level on each day during
some quarterly monitoring periods, the ETF Shares may fluctuate below the coupon barrier level on any day during others.</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 6pt; text-indent: 0in">If the closing price of one ETF Share is greater
than or equal to the initial share price on any determination date (other than the first and final determination dates), the securities
will be automatically redeemed for an early redemption payment equal to the stated principal amount <I>plus</I> any contingent quarterly
payment otherwise due with respect to the related quarterly monitoring period. If the securities have not previously been redeemed and
the final share price is greater than or equal to 65% of the initial share price, which we refer to as a downside threshold level, the
payment at maturity will be the sum of the stated principal amount and, if the closing price of one ETF Share on each day during the final
quarterly monitoring period is greater than or equal to the coupon barrier level, the contingent quarterly payment with respect to the
final quarterly monitoring period. However, if the securities have not previously been redeemed and the final share price is less than
the downside threshold level, investors will be exposed to the decline in the closing price of one ETF Share, as compared to the initial
share price, on a 1-to-1 basis. Under these circumstances, the payment at maturity will be (i) the stated principal amount <I>times</I>
(ii) the share performance factor, which will be less than 65% of the stated principal amount of the securities and could be zero. Investors
in the securities must be willing to accept the risk of losing their entire principal and also the risk of receiving few or no contingent
quarterly payments over the term of the securities. In addition, investors will not participate in any appreciation of the ETF Shares.</P>

<P STYLE="color: #296DC1; font: 16pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">Supplemental Terms of the Securities</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt 0.25in; text-indent: -0.25in">For purposes of the accompanying product
supplement, the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF is a &#8220;Fund.&#8221;</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 10pt; text-indent: 0in">Any values of the ETF Shares, and any values
derived therefrom, included in this document may be corrected, in the event of manifest error or inconsistency, by amendment of this document
and the corresponding terms of the securities. Notwithstanding anything to the contrary in the indenture governing the securities, that
amendment will become effective without consent of the holders of the securities or any other party.</P>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Value: 2; Name: PageNo -->2<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0pt 0pt 6pt">Key Investment Rationale</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0">The securities do not provide for the regular payment of interest. Instead,
the securities offer investors an opportunity to earn a contingent quarterly payment equal to at least 2.00% of the stated principal amount
with respect to each quarterly monitoring period during which the closing price of one ETF Share on each day is greater than or equal
to 75% of the initial share price, which we refer to as the coupon barrier level. The actual contingent quarterly payment will be provided
in the pricing supplement. The securities may be redeemed prior to maturity for the stated principal amount per security <I>plus</I> any
contingent quarterly payment otherwise due with respect to the related quarterly monitoring period, and the payment at maturity will vary
depending on the closing price of one ETF Share on each day during the final quarterly monitoring period including the final share price,
as follows:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%; border: white 3pt solid; background-color: #DCEBF4; padding-right: 4.3pt; padding-bottom: 3pt; padding-left: 4.3pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt">Scenario 1</FONT></TD>
    <TD STYLE="width: 84%; padding: 4.3pt">
    <P STYLE="color: #296DC1; font: bold 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">This scenario assumes that, prior to early redemption,
    the ETF Shares close at or above the coupon barrier level on each day during some quarterly monitoring periods but the ETF Shares close
    below the coupon barrier level on one or more days during the others. On the 6<SUP>th</SUP> determination date, the closing price of one
    ETF Share is <I>greater than or equal to</I> the initial share price.</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: #A3C4EB">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT>Investors receive the contingent quarterly payment for the quarterly monitoring periods during which the closing price of one ETF
    Share is at or above the coupon barrier level on each day during the related quarterly monitoring period.</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: #A3C4EB">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT>On the contingent payment date immediately following the 6<SUP>th</SUP> determination date, the securities will be automatically
    redeemed for (i) the stated principal amount <I>plus</I> (ii) any contingent quarterly payment otherwise due with respect to the related
    quarterly monitoring period.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 3pt solid; border-bottom: white 3pt solid; border-left: white 3pt solid; background-color: #DCEBF4; padding-right: 4.3pt; padding-bottom: 3pt; padding-left: 4.3pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt">Scenario 2</FONT></TD>
    <TD STYLE="padding: 4.3pt">
    <P STYLE="color: #296DC1; font: bold 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">This scenario assumes that the ETF Shares close
    at or above the coupon barrier level on each day during some quarterly monitoring periods but the ETF Shares close below the coupon barrier
    level on one or more days during the others, and the ETF Shares close below the initial share price on all the determination dates prior
    to the final determination date. On the final determination date, the ETF Shares close at or above the downside threshold level.</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: #A3C4EB">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT>Consequently, the securities are not automatically redeemed, and investors receive a contingent quarterly payment for the quarterly
    monitoring periods during which the closing price of one ETF Share is at or above the coupon barrier level on each day during the related
    quarterly monitoring period. At maturity, investors will receive the stated principal amount and any contingent quarterly payment otherwise
    due with respect to the final quarterly monitoring period.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 3pt solid; border-bottom: white 3pt solid; border-left: white 3pt solid; background-color: #DCEBF4; padding-right: 4.3pt; padding-bottom: 3pt; padding-left: 4.3pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt">Scenario 3 </FONT></TD>
    <TD STYLE="padding: 4.3pt">
    <P STYLE="color: #296DC1; font: bold 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">This scenario assumes that the ETF Shares close
    at or above the coupon barrier level on each day during some quarterly monitoring periods but below the coupon barrier level on one or
    more days during the others. On the final determination date, the ETF Shares close below the downside threshold level.</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: #A3C4EB">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </FONT>Consequently, the securities are not automatically redeemed, and investors receive a contingent quarterly payment for the quarterly
    monitoring periods during which the closing price of one ETF Share is at or above the coupon barrier level on each day during the related
    quarterly monitoring period. At maturity, investors will receive the stated principal amount times the share performance factor, which
    will be less than 65% of the stated principal amount and could be zero.</P>
    <P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: #A3C4EB">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT><B>Investors will lose a significant portion, and may lose all, of their principal in this scenario.</B></P></TD></TR>
  </TABLE>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0pt 0pt 6pt">How the Securities Work</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0">The following diagrams illustrate the potential outcomes for the securities
depending on (1) the closing price of one ETF Share and (2) the final share price.</P>

<P STYLE="font: bold 10.5pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 9pt 0pt 0pt">Diagram #1: First <FONT STYLE="font-size: 10pt">Quarterly
Monitoring Period</FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 288px; width: 650px"></P>

<P STYLE="color: #296DC1; font: bold 10.5pt Arial, Helvetica, Sans-Serif; margin: 9pt 0">Diagram #2: Quarterly Monitoring Periods (Other
Than the First and Final <FONT STYLE="font-size: 10pt">Quarterly Monitoring Periods</FONT>)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0; text-align: center"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 301px; width: 710px"></P>

<P STYLE="font: bold 10.5pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0pt">&nbsp;</P>

<P STYLE="font: bold 10.5pt Arial, Helvetica, Sans-Serif; margin: 0pt; color: #296DC1"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 6pt; color: #296DC1">Diagram #3: Payment at Maturity if No Automatic
Early Redemption Occurs</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 277px; width: 704px"></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><I>For more information about the payment upon an early redemption
or at maturity in different hypothetical scenarios, see &#8220;Hypothetical Examples&#8221; starting on page 6.</I></P>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 16pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Hypothetical Examples</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">The following hypothetical examples illustrate how to determine whether
a contingent quarterly payment is payable with respect to a quarterly monitoring period, whether the securities will be automatically
redeemed on any determination date prior to the final determination date and how to calculate the payment at maturity if the securities
have not been redeemed early. The following examples are for illustrative purposes only. Whether you receive a contingent quarterly payment
or whether the securities will be automatically redeemed will be determined by reference to the closing price of one ETF Share on each
day during a quarterly monitoring period and the closing price of one ETF Share on each quarterly determination date, respectively, and
the amount you will receive at maturity, if any, will be determined by reference to the final share price and the closing price of one
ETF Share on each day during the final quarterly monitoring period. The hypothetical initial share price of $100.00 has been chosen for
illustrative purposes only and may not represent a likely actual initial share price. The actual initial share price will be the closing
price of one ETF Share on the pricing date and will be provided in the pricing supplement. For historical data regarding the actual closing
price of one ETF Share, please see the historical information set forth under &#8220;State Street<SUP>&reg;</SUP> Energy Select Sector
SPDR<SUP>&reg;</SUP> ETF Overview&#8221; in this pricing supplement. The actual coupon barrier level and downside threshold level of the
ETF Shares will be provided in the pricing supplement. Any payment on the securities is subject to our and JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s
credit risks. The numbers in the hypothetical examples below may have been rounded for the ease of analysis. The examples below are based
on the following assumed terms:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 2pt 5.4pt; vertical-align: top; width: 28%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical contingent quarterly payment:</FONT></TD>
    <TD STYLE="width: 72%; padding-top: 2pt; padding-bottom: 2pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A contingent quarterly payment of $20.00 per quarter per security will be paid on the securities on each contingent payment date <B>but only if</B> the closing price of one ETF Share is at or above the coupon barrier level on each day during the related quarterly monitoring period.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Early redemption:</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">If the closing price of one ETF Share is <B>greater than or equal to </B>the initial share price on any quarterly determination date (other than the first and final determination dates), the securities will be automatically redeemed for an early redemption payment equal to the stated principal amount <I>plus</I> any contingent quarterly payment otherwise due with respect to the related quarterly monitoring period.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="padding: 2pt 5.4pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Payment at maturity (if the securities have not been automatically redeemed early):</FONT></TD>
    <TD>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">If the final share price is <B>greater than or equal to </B>the downside
    threshold level: (i) the stated principal amount and, (ii) if the closing price of one ETF Share on each day during the final quarterly
    monitoring period is greater than or equal to the coupon barrier level, the contingent quarterly payment with respect to the final quarterly
    monitoring period</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 2pt 0">If the final share price is <B>less than</B> the downside threshold level:
    (i) the stated principal amount <I>times</I> (ii) the share performance factor</P></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Stated principal amount:</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 2pt 5.4pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical initial share price:</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$100.00 </FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 2pt 5.4pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical coupon barrier level:</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$75.00, which is 75.00% of the hypothetical initial share price</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 2pt 5.4pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical downside threshold level:</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$65.00, which is 65.00% of the hypothetical initial share price </FONT></TD></TR>
  </TABLE>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 6pt; color: #296DC1">How to determine whether a contingent quarterly payment
is payable with respect to a quarterly monitoring period:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 17%; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 38%; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Lowest closing price of one ETF Share <BR>
during quarterly monitoring period</B></FONT></TD>
    <TD STYLE="width: 45%; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Contingent quarterly payment</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical Quarterly Monitoring Period 1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$80 (<B>at or above </B>coupon barrier level)</FONT></TD>
    <TD STYLE="padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$20.00</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical Quarterly Monitoring Period 2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$50 (<B>below</B> coupon barrier level)</FONT></TD>
    <TD STYLE="padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">During hypothetical quarterly monitoring period 1, the ETF Shares close
at or above the coupon barrier level on each day. Therefore, a contingent quarterly payment of $20.00 is payable on the relevant contingent
payment date.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">During hypothetical quarterly monitoring period 2, the ETF Shares close
below the coupon barrier level on at least one day and, accordingly, no contingent quarterly payment is payable on the relevant contingent
payment date.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>You will not receive a contingent quarterly payment on any contingent
payment date if the closing price of one ETF Share is below the coupon barrier level on any day during the related quarterly monitoring
period.</B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0; color: #296DC1">How to determine whether the securities will be automatically
redeemed on any determination date prior to the final determination date:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 17%; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 39%; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Closing price of one ETF Share</B></FONT></TD>
    <TD STYLE="width: 44%; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Early redemption payment</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical Determination Date 1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$80 (<B>below </B>initial share price)</FONT></TD>
    <TD STYLE="padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">n/a (securities are not redeemed early)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Hypothetical Determination Date 2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$120 (<B>at or above </B>initial share price)</FONT></TD>
    <TD STYLE="padding-top: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,000.00 (the stated principal amount) <I>plus</I> any contingent quarterly payment otherwise due with respect to the related quarterly monitoring period</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">The securities are not redeemable prior to the second contingent payment
date. These examples assume that each of determination dates 1 and 2 occur on or after the second determination date and is not the final
determination date.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">On hypothetical determination date 1, the ETF Shares close below the
initial share price. Therefore, the securities remain outstanding and are not redeemed early.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">On hypothetical determination date 2, the ETF Shares close at or above
the initial share price. Therefore, the securities are automatically redeemed and you receive an early redemption payment equal to the
stated principal amount <I>plus</I> any contingent quarterly payment otherwise due with respect to the related quarterly monitoring period.
No further payments will be made on the securities once they have been redeemed.</P>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 6pt; color: #296DC1">How to calculate the payment at maturity (if the securities
have not been automatically redeemed early):</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 6pt 5.4pt 8pt; width: 9%; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 22%; padding-top: 6pt; padding-bottom: 8pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Lowest closing price of <BR>
one ETF Share during <BR>
final quarterly <BR>
monitoring period</B></FONT></TD>
    <TD STYLE="width: 31%; padding-top: 6pt; padding-bottom: 8pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Final share price</B></FONT></TD>
    <TD STYLE="width: 38%; padding-top: 6pt; padding-bottom: 8pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Payment at <BR>
maturity</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Example 1:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">$85</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(<B>at or above </B>coupon barrier level)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">$90</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(<B>at or above</B> downside threshold level)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,020.00 (the stated principal amount <I>plus</I> the contingent quarterly payment with respect to the final quarterly monitoring period)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Example 2:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">$60</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(<B>below </B>coupon barrier level)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">$85</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(<B>at or above</B> downside threshold level)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,000.00 (the stated principal amount)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Example 3:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">$20</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(<B>below </B>coupon barrier level)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">$30</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(<B>below</B> downside threshold level)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,000 &times; (30 / 100.00) = $300.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">In example 1, the final share price is at or above the downside threshold
level and the ETF Shares close at or above the coupon barrier level on each day during the final quarterly monitoring period. Therefore,
you receive at maturity the stated principal amount of the securities and the contingent quarterly payment with respect to the final quarterly
monitoring period.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">In example 2, the final share price is at or above the downside threshold
level but the ETF Shares close below the coupon barrier level on at least one day during the final quarterly monitoring period. Therefore,
you receive at maturity the stated principal amount of the securities.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Similarly, in example 3, the final share price is below the downside
threshold level, and you receive a cash payment at maturity equal to the stated principal amount <I>times </I>the share performance factor.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>If the final share price is below the downside threshold level,
you will be exposed to the downside performance of the ETF Shares at maturity, and your payment at maturity will be less than 65% of the
stated principal amount per security and could be zero.</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">The hypothetical returns and hypothetical payments on the securities
shown above apply <B>only if you hold the securities for their entire term or until early redemption. </B>These hypotheticals do not reflect
fees or expenses that would be associated with any sale in the secondary market. If these fees and expenses were included, the hypothetical
returns and hypothetical payments shown above would likely be lower.</P>


<!-- Field: Page; Sequence: 8; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0pt 0pt 3pt">Risk Factors</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0"><I>The following is a non-exhaustive list of certain key risk factors for
investors in the securities. For further discussion of these and other risks, you should read the sections entitled &#8220;Risk Factors&#8221;
of the accompanying prospectus supplement and the accompanying product supplement and Annex A to the accompanying prospectus addendum.
We urge you to consult your investment, legal, tax, accounting and other advisers in connection with your investment in the securities.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: -0.25in; color: #296DC1">Risks Relating to the
Securities Generally</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD STYLE="text-align: left"><B>The securities do not guarantee the return of any principal
and your investment in the securities may result in a loss.</B> The terms of the securities differ from those of ordinary debt securities
in that the securities do not guarantee the return of any of the principal amount at maturity. Instead, if the securities have not been
automatically redeemed prior to maturity and if the final share price is less than the downside threshold level, you will be exposed
to the decline in the closing price of one ETF Share, as compared to the initial share price, on a 1-to-1 basis and you will receive
for each security that you hold at maturity a cash payment equal to the stated principal amount <I>times</I> the share performance factor.
In this case, your payment at maturity will be less than 65% of the stated principal amount and could be zero.</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD STYLE="text-align: left"><B>You will not receive any contingent quarterly payment for
a quarterly monitoring period if the closing price of one ETF Share is less than the coupon barrier level on any day during that quarterly
monitoring period.</B> The terms of the securities differ from those of ordinary debt securities in that the securities do not guarantee
the payment of regular interest. Instead, a contingent quarterly payment will be made with respect to a quarterly monitoring period only
if the closing price of one ETF Share on each day during the quarterly monitoring period is greater than or equal to the coupon barrier
level. If the closing price of one ETF Share is below the coupon barrier level on any day during a quarterly monitoring period, you will
not receive a contingent quarterly payment for that quarterly monitoring period. It is possible that the closing price of one ETF Share
could be below the coupon barrier level on at least one day during most or all of the quarterly monitoring periods s<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">o
that you will </FONT>receive <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">few or no contingent quarterly
payments. If you do not earn sufficient contingent quarterly payments over the term of the securities, the overall return on the securities
may be less than the amount that would be paid on one of our conventional debt securities of comparable maturity.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><B>The contingent quarterly payment is based on the closing prices of one ETF Share during the quarterly monitoring periods<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">.
</FONT></B>Whether the contingent quarterly payment will be made with respect to a quarterly monitoring period will be based on the closing
price of one ETF Share on each day during that quarterly monitoring period. As a result, you will not know whether you will receive the
contingent quarterly payment until the end of the related quarterly monitoring period. Moreover, because the contingent quarterly payment
is based on the closing price of one ETF Share on each day during that quarterly monitoring period, if the closing price of one ETF Share
on any day during that quarterly monitoring period is below the coupon barrier level, you will not receive any contingent quarterly payment
with respect to that quarterly monitoring period, even if the closing price of one ETF Share was higher on other days during that quarterly
monitoring period.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The securities are subject to the credit risks of JPMorgan Financial and
JPMorgan Chase&nbsp;&amp;&nbsp;Co., and any actual or anticipated changes to our or JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s credit
ratings or credit spreads may adversely affect the market value of the securities. </B></FONT>Investors are dependent on our and JPMorgan
Chase&nbsp;&amp;&nbsp;Co.&#8217;s ability to pay all amounts due on the securities. Any actual or anticipated decline in our or JPMorgan
Chase&nbsp;&amp;&nbsp;Co.&#8217;s credit ratings or increase in our or JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s credit spreads determined
by the market for taking that credit risk is likely to adversely affect the market value of the securities. If we and JPMorgan Chase&nbsp;&amp;&nbsp;Co.
were to default on our payment obligations, you may not receive any amounts owed to you under the securities and you could lose your entire
investment.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>As
a finance subsidiary, JPMorgan Financial has no independent operations and has limited assets. </B></FONT>As a finance subsidiary of
JPMorgan Chase&nbsp;&amp;&nbsp;Co., we have no independent operations beyond the issuance and administration of our securities and the
collection of intercompany obligations. Aside from the initial capital contribution from JPMorgan Chase&nbsp;&amp;&nbsp;Co., substantially
all of our assets relate to obligations of JPMorgan Chase&nbsp;&amp;&nbsp;Co. to make payments under loans made by us to JPMorgan Chase&nbsp;&amp;&nbsp;Co.
or under other intercompany agreements. As a result, we are dependent upon payments from JPMorgan Chase&nbsp;&amp;&nbsp;Co. to meet our
obligations under the securities. We are not a key operating subsidiary of JPMorgan Chase&nbsp;&amp;&nbsp;Co. and in a bankruptcy or
resolution of JPMorgan Chase&nbsp;&amp;&nbsp;Co. we are not expected to have sufficient resources to meet our obligations in respect
of the securities as they come due. If JPMorgan Chase&nbsp;&amp;&nbsp;Co. does not make payments to us and we are unable to make payments
on the securities, you may have to seek payment under the related guarantee by JPMorgan Chase&nbsp;&amp;&nbsp;Co., and that guarantee
will rank <I>pari passu</I> with all other unsecured and unsubordinated obligations of JPMorgan Chase&nbsp;&amp;&nbsp;Co. For more information,
see the accompanying prospectus addendum.</TD>
</TR></TABLE>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Investors will not participate in any appreciation of the ETF Shares.</B>
<FONT STYLE="font-weight: normal">Investors will not participate in any appreciation of the ETF Shares from the initial share price, and
the return on the securities will be limited to the contingent quarterly payment that is paid with respect to each quarterly monitoring
period during which the closing price of one ETF Share on each day is greater than or equal to the coupon barrier level, if any.</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Early redemption risk.</B> <FONT STYLE="font-weight: normal">The term of
your investment in the securities may be limited to as short as approximately six months by the automatic early redemption feature of
the securities. If the securities are redeemed prior to maturity, you will receive no more contingent quarterly payments and may be forced
to reinvest in a lower interest rate environment and you may not be able to reinvest the proceeds from an investment in the securities
at a comparable return for a similar level of risk.</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Secondary trading may be limited.</B> <FONT STYLE="font-weight: normal">Th</FONT></FONT>e
securities will not be listed on a securities exchange. There may be little or no secondary market for the securities. Even if there is
a secondary market, it may not provide enough liquidity to allow you to trade or sell the securities easily<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">.
JPMS </FONT>may act as a market maker for the securities, but is not required to do so. Because we do not expect that other market makers
will participate significantly in the secondary market for the securities, the price at which you may be able to trade your securities
is likely to depend on the price, if any, at which <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">JPMS</FONT>
is willing to buy the securities. If at any time <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">JPMS</FONT>
or another agent does not act as a market maker, it is likely that there would be little or no secondary market for the securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD STYLE="text-align: left"><B>The final terms and estimated valuation of the securities
will be provided in the pricing supplement. </B>The final terms of the securities will be provided in the pricing supplement. In particular,
each of the estimated value of the securities and the contingent quarterly payment will be provided in the pricing supplement and each
may be as low as the applicable minimum set forth on the cover of this document. Accordingly, you should consider your potential investment
in the securities based on the minimums for the estimated value of the securities and the contingent quarterly payment.</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD STYLE="text-align: left"><B>The U.S. federal income tax consequences of an investment
in the securities are uncertain. </B>There is no direct legal authority as to the proper U.S. federal income tax treatment of the securities,
and we do not intend to request a ruling from the IRS. The IRS might not accept, and a court might not uphold, the treatment of the securities
as prepaid forward contracts with associated contingent coupons, as described in &#8220;Additional Information about the Securities &#8212;
Additional Provisions &#8212; Tax considerations&#8221; in this document and in &#8220;Material U.S. Federal Income Tax Consequences&#8221;
in the accompanying product supplement. If the IRS were successful in asserting an alternative treatment for the securities, the timing
and character of any income or loss on the securities could be materially affected. Although the U.S. federal income tax treatment of
contingent quarterly payments (including any contingent quarterly payments paid in connection with an early redemption or at maturity)
is uncertain, in determining our reporting responsibilities we intend (in the absence of an administrative determination or judicial
ruling to the contrary) to treat any contingent quarterly payments as ordinary income. In addition, in 2007 Treasury and the IRS released
a notice requesting comments on the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar instruments.
The notice focuses in particular on whether to require investors in these instruments to accrue income over the term of their investment.
It also asks for comments on a number of related topics, including the character of income or loss with respect to these instruments
and the relevance of factors such as the nature of the underlying property to which the instruments are linked. While the notice requests
comments on appropriate transition rules and effective dates, any Treasury regulations or other guidance promulgated after consideration
of these issues could materially affect the tax consequences of an investment in the securities, possibly with retroactive effect. You
should review carefully the section entitled &#8220;Material U.S. Federal Income Tax Consequences&#8221; in the accompanying product
supplement and consult your tax adviser regarding the U.S. federal income tax consequences of an investment in the securities, including
possible alternative treatments and the issues presented by this notice.</TD>
</TR></TABLE>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: 0in"><I>Non-U.S. Holders &#8212; Tax Consideration.
</I>The U.S. federal income tax treatment of contingent quarterly payments is uncertain, and although we believe it is reasonable to take
a position that contingent quarterly payments are not subject to U.S. withholding tax (at least if an applicable Form W-8 is provided),
a withholding agent may nonetheless withhold on these payments (generally at a rate of 30%, subject to the possible reduction of that
rate under an applicable income tax treaty), unless income from your securities is effectively connected with your conduct of a trade
or business in the United States (and, if an applicable treaty so requires, attributable to a permanent establishment in the United States).
In the event of any withholding, we will not be required to pay any additional amounts with respect to amounts so withheld. If you are
not a United States person, you are urged to consult your tax adviser regarding the U.S. federal income tax consequences of an investment
in the securities in light of your particular circumstances.</P>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-indent: 0in; color: #296DC1">Risks Relating to Conflicts of Interest</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><B>Economic interests of the issuer, the guarantor, the calculation agent, the agent of the offering of the securities and other affiliates
of the issuer may be different from those of investors.</B>&nbsp; <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">We
and our affiliates play a variety of roles in connection with the issuance of the securities, including acting as calculation agent and
as an agent of the offering of the securities, hedging our obligations under the securities and making the assumptions used to determine
the pricing of the securities and the estimated value of the securities, which we refer to as the estimated value of the securities.&nbsp;
In performing these duties, our and JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s economic interests and the economic interests of the calculation
agent and other affiliates of ours are potentially adverse to your interests as an investor in the securities.&nbsp; The calculation agent
will determine the initial share price, the coupon barrier level, the downside threshold level and the final share price, whether the
closing price of one ETF Share on any determination date is greater than or equal to the initial share price, is below the coupon barrier
level on any day during any quarterly monitoring period or is below the downside threshold level on the final determination date.&nbsp;
Determinations made by the calculation agent, including with respect to the occurrence or non-occurrence of market disruption events,
the selection of a successor to the ETF Shares or calculation of the closing price of one ETF Share on any day during any quarterly monitoring
period in the event of a discontinuation of the ETF Shares, and any anti-dilution adjustments, may affect the payment to you at maturity
or whether the securities are redeemed early. </FONT></TD></TR></TABLE>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: 0in"><FONT STYLE="font-weight: normal">In addition,
our and JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s business activities, including hedging and trading activities, could cause our and
JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s economic interests to be adverse to yours and could adversely affect any payment on the securities
and the value of the securities. It is possible that hedging or trading activities of ours or our affiliates in connection with the securities
could result in substantial returns for us or our affiliates while the value of the securities declines. Please refer to &#8220;Risk Factors
&#8212; Risks Relating to Conflicts of Interest&#8221; in the accompanying product supplement for additional information about these risks.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><B>Hedging and trading activities by the issuer and its affiliates could potentially affect the value of the <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">securities</FONT>.
</B>&nbsp;The hedging or trading activities of the issuer&#8217;s affiliates and of any other hedging counterparty with respect to the
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">securities on or prior to the pricing date and prior to maturity
could adversely affect the value of the ETF Shares.&nbsp; Any of these hedging or trading activities</FONT> on or prior to the pricing
date could potentially affect the initial share price and, as a result, the coupon barrier level, which is the value at or above which
the ETF Shares must close on each day during a quarterly monitoring period in order for you to earn a contingent quarterly payment or,
if the securities are not redeemed prior to maturity, the downside threshold level, which is the value at or above which the ETF Shares
must close on the final determination date in order for you to avoid being exposed to the negative performance of the ETF Shares at maturity.&nbsp;
Additionally, these hedging or trading activities during the term of the securities could potentially affect the closing price of one
ETF Share on any day during any quarterly monitoring period, including on the determination dates, and, accordingly, whether investors
will receive one or more contingent quarterly payments, whether the securities are automatically redeemed prior to maturity and, if the
securities are not redeemed prior to maturity, the payment to you at maturity.&nbsp; It is possible that these hedging or trading activities
could result in substantial returns for us or our affiliates while the value of the securities declines.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; color: #296DC1">Risks Relating to the Estimated Value and Secondary
Market Prices of the Securities</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><B>The estimated value of the securities will be lower than the original issue price (price to public) of the <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">securities.</FONT></B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">
<FONT STYLE="font-weight: normal">The estimated value of the securities is only an estimate determined by reference to several factors.
The original issue price of the securities will exceed the estimated value of the securities because costs associated with selling, structuring
and hedging the securities are included in the original issue price of the securities. These costs include the selling commissions, the
structuring fee, the projected profits, if any, that our affiliates expect to realize for assuming risks inherent in hedging our obligations
under the securities and the estimated cost of hedging our obligations under the securities. See &#8220;Additional Information about the
Securities &#8212; The estimated value of the securities&#8221; in this document.</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities does not represent future values
of the securities and may differ from others&#8217; estimates. The estimated value of the securities is determined by reference to internal
pricing models of our affiliates.</B> <FONT STYLE="font-weight: normal">This estimated value of the securities is based on market conditions
and other relevant factors existing at the time of pricing and assumptions about market parameters, which can include volatility, dividend
rates, interest rates and other factors. Different pricing models and assumptions could provide valuations for the securities that are
greater than or less than the estimated value of the securities. In addition, market conditions and other relevant factors in the future
may change, and any assumptions may prove to be incorrect. On future dates, the value of the securities could change significantly based
on, among other things, changes in market conditions, our or JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s creditworthiness, interest rate
movements and other relevant factors, which may impact the price, if any, at which JPMS would be willing to buy securities from you in
secondary market transactions. See &#8220;Additional Information about the Securities &#8212; The estimated value of the securities&#8221;
in this document.</FONT></FONT></TD></TR></TABLE>


<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities is derived by reference to an internal
funding rate.</B> <FONT STYLE="font-weight: normal">The internal funding rate used in the determination of the estimated value of the
securities may differ from the market-implied funding rate for vanilla fixed income instruments of a similar maturity issued by JPMorgan
Chase&nbsp;&amp;&nbsp;Co. or its affiliates. Any difference may be based on, among other things, our and our affiliates&#8217; view of
the funding value of the securities as well as the higher issuance, operational and ongoing liability management costs of the securities
in comparison to those costs for the conventional fixed income instruments of JPMorgan Chase&nbsp;&amp;&nbsp;Co. This internal funding
rate is based on certain market inputs and assumptions, which may prove to be incorrect, and is intended to approximate the prevailing
market replacement funding rate for the securities. The use of an internal funding rate and any potential changes to that rate may have
an adverse effect on the terms of the securities and any secondary market prices of the securities. See &#8220;Additional Information
about the Securities &#8212; The estimated value of the securities&#8221; in this document.</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The value of the securities as published by JPMS (and which may be reflected
on customer account statements) may be higher than the then-current estimated value of the securities for a limited time period.</B> <FONT STYLE="font-weight: normal">We
generally expect that some of the costs included in the original issue price of the securities will be partially paid back to you in connection
with any repurchases of your securities by JPMS in an amount that will decline to zero over an initial predetermined period. These costs
can include selling commissions, the structuring fee, projected hedging profits, if any, and, in some circumstances, estimated hedging
costs and our internal secondary market funding rates for structured debt issuances. See &#8220;Additional Information about the Securities
&#8212; Secondary market prices of the securities&#8221; in this document for additional information relating to this initial period.
Accordingly, the estimated value of your securities during this initial period may be lower than the value of the securities as published
by JPMS (and which may be shown on your customer account statements).</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Secondary market prices of the securities will likely be lower than the
original issue price of the securities.</B> <FONT STYLE="font-weight: normal">Any secondary market prices of the securities will likely
be lower than the original issue price of the securities because, among other things, secondary market prices take into account our internal
secondary market funding rates for structured debt issuances and, also, because secondary market prices may exclude selling commissions,
the structuring fee, projected hedging profits, if any, and estimated hedging costs that are included in the original issue price of the
securities. As a result, the price, if any, at which JPMS will be willing to buy securities from you in secondary market transactions,
if at all, is likely to be lower than the original issue price. Any sale by you prior to the maturity date could result in a substantial
loss to you. See the immediately following risk factor for information about additional factors that will impact any secondary market
prices of the securities.</FONT></FONT></TD></TR></TABLE>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: 0in"><FONT STYLE="font-weight: normal">The securities
are not designed to be short-term trading instruments. Accordingly, you should be able and willing to hold your securities to maturity.
See &#8220;&#8212; Risks Relating to the Securities Generally &#8212; Secondary trading may be limited&#8221; above.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Secondary market prices of the securities will be impacted by many economic
and market factors.</B><FONT STYLE="font-weight: normal">&nbsp; The secondary market price of the securities during their term will be
impacted by a number of economic and market factors, which may either offset or magnify each other, aside from the selling commissions,
structuring fee, projected hedging profits, if any, estimated hedging costs and the closing price of one ETF Share, including:</FONT></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD><TD STYLE="text-align: left">any actual or potential change in our or JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s creditworthiness or credit spreads;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">customary bid-ask spreads for similarly sized trades;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">our internal secondary market funding rates for structured debt
issuances;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">the actual and expected volatility of the ETF Shares;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">the time to maturity of the securities;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">the dividend rates on the ETF Shares and the equity securities
underlying the ETF Shares;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="text-align: left; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">whether the closing price of one ETF Share has been, or is expected to be, less than the coupon barrier level on any day during any
quarterly monitoring period and whether the final share price is expected to be less than the downside threshold level;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">the likelihood of an early redemption being triggered;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">interest and yield rates in the market generally;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">the occurrence of certain events to the ETF Shares that may
or may not require an adjustment to the share adjustment factor; and</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9.5pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left; width: 0.75in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: left">a variety of other economic, financial, political, regulatory
and judicial events.</TD>
</TR></TABLE>


<!-- Field: Page; Sequence: 12; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.25in; text-indent: 0in">Additionally, independent pricing vendors
and/or third party broker-dealers may publish a price for the securities, which may also be reflected on customer account statements.
This price may be different (higher or lower) than the price of the securities, if any, at which JPMS may be willing to purchase your
securities in the secondary market.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-indent: 0in; color: #296DC1">Risks Relating to the ETF Shares</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>Investing in the securities
is not equivalent to investing in the ETF Shares. </B> Investing in the securities is not equivalent to investing in the ETF Shares, the
index tracked by the ETF Shares, which we refer to as the underlying index, or the stocks underlying the ETF Shares or the underlying
index. Investors in the securities will not have voting rights or rights to receive dividends or other distributions or any other rights
with respect to the ETF Shares, the underlying index or the stocks underlying the ETF Shares or the underlying index.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>Adjustments to the ETF Shares
or the underlying index could adversely affect the value of the securities. </B>Those responsible for calculating and maintaining the
ETF Shares and the underlying index can add, delete or substitute the components of the ETF Shares or the underlying index, or make other
methodological changes that could change the value of the ETF Shares or the underlying index. Any of these actions could adversely affect
the price of the ETF Shares and, consequently, the value of the securities.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>There are risks associated with
the ETF Shares.</B> Although the ETF Shares are listed for trading on a securities exchange and a number of similar products have been
traded on various securities exchanges for varying periods of time, there is no assurance that an active trading market will continue
for the ETF Shares or that there will be liquidity in the trading market. The ETF Shares are subject to management risk, which is the
risk that the investment strategy of the investment adviser to the ETF Shares, the implementation of which is subject to a number of constraints,
may not produce the intended results. These constraints could adversely affect the market price of the ETF Shares and, consequently, the
value of the securities.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>The performance and market value
of the ETF Shares, particularly during periods of market volatility, may not correlate with the performance of the underlying index as
well as the net asset value per ETF Share.</B> The State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF does not
fully replicate the underlying index and may hold securities different from those included in the underlying index. In addition, the performance
of the ETF Shares will reflect additional transaction costs and fees that are not included in the calculation of the underlying index.
All of these factors may lead to a lack of correlation between the performance of the ETF Shares and the underlying index. In addition,
corporate actions with respect to the equity securities underlying the ETF Shares (such as mergers and spin-offs) may impact the variance
between the performances of the ETF Shares and the underlying index. Finally, because the ETF Shares are traded on a securities exchange
and are subject to market supply and investor demand, the market value of one ETF Share may differ from the net asset value per ETF Share.</FONT></TD></TR></TABLE>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in"><FONT STYLE="background-color: white">During periods of market
volatility, securities underlying the ETF Shares may be unavailable in the secondary market, market participants may be unable to calculate
accurately the net asset value per ETF Share and the liquidity of the ETF Shares may be adversely affected. This kind of market volatility
may also disrupt the ability of market participants to create and redeem ETF Shares. Further, market volatility may adversely affect,
sometimes materially, the prices at which market participants are willing to buy and sell ETF Shares. As a result, under these circumstances,
the market value of ETF Shares may vary substantially from the net asset value per ETF Share. For all of the foregoing reasons, the performance
of the ETF Shares may not correlate with the performance of the underlying index as well as the net asset value per ETF Share, which could
materially and adversely affect the value of the securities in the secondary market and/or reduce any payment on the securities.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>The securities are subject to
risks associated with the energy sector. </B>All or substantially all of the equity securities underlying the ETF Shares are issued by
companies whose primary line of business is directly associated with the energy sector. As a result, the value of the securities may be
subject to greater volatility and be more adversely affected by a single economic, political or regulatory occurrence affecting this sector
than a different investment linked to securities of a more broadly diversified group of issuers. Issuers in energy-related industries
can be significantly affected by fluctuations in energy prices and supply and demand of energy fuels. Markets for various energy-related
commodities can have significant volatility and are subject to control or manipulation by large producers or purchasers. Companies in
the energy sector may need to make substantial expenditures, and to incur significant amounts of debt, in order to maintain or expand
their reserves. Oil and gas exploration and production can be significantly affected by natural disasters as well as changes in exchange
rates, interest rates, government regulation, world events and economic conditions. These companies may be at risk for environmental damage
claims. These factors could affect the energy sector and could affect the value of the equity securities underlying the </FONT></TD></TR></TABLE>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.25in"><FONT STYLE="background-color: white">ETF Shares and the price
of the ETF Shares during the term of the securities, which may adversely affect the value of your securities. </FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>Governmental legislative and
regulatory actions, including sanctions, could adversely affect your investment in the securities.&nbsp;</B> Governmental legislative
and regulatory actions, including, without limitation, sanctions-related actions by the U.S. or a foreign government, could prohibit or
otherwise restrict persons from holding the securities or the ETF Shares, or engaging in transactions in them, and any such action could
adversely affect the value of the securities or the ETF Shares.&nbsp; These legislative and regulatory actions could result in restrictions
on the securities.&nbsp; You may lose a significant portion or all of your initial investment in the securities if you are forced to divest
the securities due to the government mandates, especially if such divestment must be made at a time when the value of the securities has
declined. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; background-color: white"><B>The anti-dilution protection
for the ETF Shares is limited.</B>&nbsp; The calculation agent will make adjustments to the share adjustment factor for certain events
affecting the ETF Shares.&nbsp; However, the calculation agent will not make an adjustment in response to all events that could affect
the ETF Shares.&nbsp; If an event occurs that does not require the calculation agent to make an adjustment, the value of the securities
may be materially and adversely affected. </FONT></TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-indent: 0in; color: #296DC1">State Street<SUP>&reg;</SUP> Energy
Select Sector SPDR<SUP>&reg;</SUP> ETF Overview</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 5pt">The State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP>
ETF (formerly known as the Energy Select Sector SPDR<SUP>&reg;</SUP> Fund) is an exchange-traded fund of the Select Sector SPDR<SUP>&reg;</SUP>
Trust, a registered investment company, that seeks to provide investment results that, before expenses, correspond generally to the price
and yield performance of publicly traded equity securities of companies in the Energy Select Sector Index, which we refer to as the underlying
index with respect to the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF. Information provided to or filed
with the SEC by Select Sector SPDR<SUP>&reg;</SUP> Trust pursuant to the Securities Act of 1933 and the Investment Company Act of 1940
can be located by reference to the SEC file numbers 333-57791 and 811-08837, respectively, through the SEC&#8217;s website at http://www.sec.gov.
For additional information about the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF, see &#8220;Fund Descriptions
&#8212; The Select Sector SPDR<SUP>&reg;</SUP> Funds&#8221; in the accompanying underlying supplement.</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt">Information as of market close on December 16, 2025:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="width: 32%; padding: 3pt 5.4pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Bloomberg Ticker Symbol:</FONT></TD>
    <TD STYLE="width: 17%; padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt"><FONT STYLE="font-size: 8.5pt">XLE</FONT></TD>
    <TD STYLE="width: 37%; padding: 3pt 5.4pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">52 Week High (on 4/2/2025):</FONT></TD>
    <TD STYLE="width: 14%; padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt"><FONT STYLE="font-size: 8.5pt">$47.07</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 3pt 5.4pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Current Closing Price:</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt"><FONT STYLE="font-size: 8.5pt">$43.81</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">52 Week Low (on 4/8/2025):</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt"><FONT STYLE="font-size: 8.5pt">$38.22</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 3pt 5.4pt; layout-grid-mode: char; font-size: 9pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">52 Weeks Ago (on 12/16/2024):</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt"><FONT STYLE="font-size: 8.5pt">$43.63</FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 5.4pt; layout-grid-mode: char; font-size: 9pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">The following table sets forth the published high and low closing
prices, as well as end-of-quarter closing prices, of one ETF Share for each quarter in the period from January 1, 2020 through December
16, 2025. The graph following the table sets forth the daily closing prices of one ETF Share during the same period. The closing price
of one ETF Share on December 16, 2025 was $43.81. The associated graph shows the closing prices of one ETF Share for each day in the same
period. We obtained the closing price information above and in the table and graph below from the Bloomberg Professional<SUP>&reg;</SUP>
service (&#8220;Bloomberg&#8221;), without independent verification.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">The closing prices may have been adjusted by Bloomberg for actions
taken relating to the ETF Shares, such as stock splits. The historical closing prices of one ETF Share should not be taken as an indication
of future performance, and no assurance can be given as to the closing price of one ETF Share on any day during any quarterly monitoring
period, including on the determination dates.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="border: Black 1pt dashed; padding: 3pt 0pt; width: 46%; font-size: 8pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt dashed; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 3pt; padding-right: 2.9pt; padding-bottom: 3pt; text-align: center; font-size: 8pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: white">High</FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt dashed; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 3pt; padding-right: 2.9pt; padding-bottom: 3pt; text-align: center; font-size: 8pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: white">Low</FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt dashed; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 3pt; padding-right: 2.9pt; padding-bottom: 3pt; text-align: center; font-size: 8pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: white">Period End</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #DCEBF4">
    <TD STYLE="padding: 0.2pt 5.4pt; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt"><FONT STYLE="font-size: 8.5pt; color: #296DC1"><B>2020</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">First Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$30.44</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$11.79</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$14.53</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Second Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$23.43</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$13.81</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$18.93</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Third Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$19.29</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$14.98</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$14.98</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Fourth Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$20.80</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$13.86</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$18.95</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt"><FONT STYLE="color: #296DC1"><B>2021</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">First Quarter </TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$26.79</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$18.98</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$24.53</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Second Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$28.10</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$23.54</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$26.94</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Third Quarter </TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$27.41</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$22.90</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$26.05</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Fourth Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$29.57</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$26.51</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$27.75</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt"><FONT STYLE="font-size: 8.5pt; color: #296DC1"><B>2022</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">First Quarter </TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$39.38</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$28.61</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$38.22</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Second Quarter </TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.14</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$35.33</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$35.76</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Third Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.05</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$33.75</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$36.01</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Fourth Quarter </TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$47.04</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$38.05</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$43.74</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt"><FONT STYLE="font-size: 8.5pt; color: #296DC1"><B>2023</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">First Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.56</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$38.49</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$41.42</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Second Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$43.62</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$38.30</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$40.59</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Third Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.68</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$39.55</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$45.20</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Fourth Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$45.98</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$40.60</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$41.92</FONT></TD></TR>
  <TR STYLE="background-color: #DCEFF4">
    <TD STYLE="padding: 0.5pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt"><FONT STYLE="font-size: 8.5pt; color: #296DC1"><B>2024</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">First Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$47.21</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$39.96</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$47.21</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Second Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$49.04</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$44.02</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$45.58</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Third Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.70</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.18</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$43.90</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Fourth Quarter</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$48.64</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$41.66</FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.83</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #DCEBF4">
    <TD STYLE="padding: 0.2pt 5.4pt; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt"><FONT STYLE="font-size: 8.5pt; color: #296DC1"><B>2025</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">First Quarter</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.98</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.85</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.73</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Second Quarter</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$47.07</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$38.22</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.41</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Third Quarter</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.00</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.13</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$44.67</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.2pt 5.4pt; vertical-align: bottom; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; border-left: Black 1pt dashed; font-size: 8pt">Fourth Quarter (through December 16, 2025)</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$46.18</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$42.61</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt dashed; border-bottom: Black 1pt dashed; padding-top: 0.2pt; padding-bottom: 0.2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$43.81</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>


<!-- Field: Page; Sequence: 15; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 90%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">December 2025</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 60%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #296DC1"><B>State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF Historical Performance &#8211; Daily Closing Prices*<BR>
January 2, 2020 to December 16, 2025</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #296DC1"><B><IMG SRC="image_004.jpg" ALT="" STYLE="height: 328px; width: 538px"></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>*</B>The black dotted line in the graph indicates the hypothetical coupon barrier level, equal to 75% of the closing price of one ETF Share on December 16, 2025, and the red dotted line in the graph indicates the hypothetical downside threshold level, equal to 65% of the closing price of one ETF Share on December 16, 2025. The actual coupon barrier level and downside threshold level will be based on the closing price of one ETF Share on the pricing date.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0"><B>This document relates only to the securities offered hereby and
does not relate to the ETF Shares.&nbsp; We have derived all disclosures contained in this document regarding the State Street<SUP>&reg;</SUP>
Energy Select Sector SPDR<SUP>&reg;</SUP> ETF from the publicly available documents described in the first paragraph under this &#8220;State
Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF Overview&#8221; section, without independent verification.&nbsp;
In connection with the offering of the securities, neither we nor the agent has participated in the preparation of such documents or made
any due diligence inquiry with respect to the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF.&nbsp; Neither
we nor the agent makes any representation that such publicly available documents or any other publicly available information regarding
the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF is accurate or complete.&nbsp; Furthermore, we cannot give
any assurance that all events occurring prior to the date hereof (including events that would affect the accuracy or completeness of the
publicly available documents described in the first paragraph under this &#8220;State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP>
ETF Overview&#8221; section) that would affect the trading price of the ETF Shares (and therefore the price of the ETF Shares at the time
the securities are priced) have been publicly disclosed.&nbsp; Subsequent disclosure of any such events or the disclosure of or failure
to disclose material future events concerning the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF could affect
the value received at maturity, if any, with respect to the securities and therefore the trading prices of the securities.</B></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0"><B>Neither we nor any of our affiliates makes any representation
to you as to the performance of the ETF Shares.</B></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>The Energy Select Sector Index. </B>The Energy Select Sector Index
is a capped modified market capitalization-based index that measures the performance of the GICS<SUP>&reg;</SUP> energy sector of the
S&amp;P 500<SUP>&reg;</SUP> Index, which currently includes companies in the following industries: oil, gas &amp; consumable fuels; and
energy equipment &amp; services. For additional information about the Energy Select Sector Index, see &#8220;Equity Index Descriptions
&#8212; Th S&amp;P Select Sector Indices&#8221; in the accompanying underlying supplement<B>.<BR STYLE="clear: both">
</B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt; color: #296DC1">Additional Information about the Securities</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">Please read this information in conjunction with the terms on the front
cover of this document.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="padding: 2pt 4.3pt; width: 22%; font-size: 10pt; color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt">Additional Provisions</FONT></TD>
    <TD STYLE="padding: 2pt 4.3pt; width: 78%; font-size: 10pt; color: white; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-style: normal; vertical-align: top; padding-top: 1.5pt; padding-right: 4.3pt; padding-left: 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Record date:</B></FONT></TD>
    <TD STYLE="padding-top: 1.5pt; padding-right: 4.3pt; padding-left: 4.3pt; layout-grid-mode: char; font-size: 8.5pt">The record date for each contingent payment date is the date one business day prior to that contingent payment date.</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 4.3pt; vertical-align: top; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Postponement of maturity date:</FONT></TD>
    <TD STYLE="padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt">If the scheduled maturity date is not a business day, then the maturity date will be the following business day.&nbsp;&nbsp;If the scheduled final determination date is not a trading day or if a market disruption event occurs on that day so that the final determination date is postponed and falls less than three business days prior to the scheduled maturity date, the maturity date of the securities will be postponed to the third business day following that final determination date as postponed.</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding: 1.5pt 4.3pt; vertical-align: top; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Minimum ticketing size:</FONT></TD>
    <TD STYLE="padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt">$1,000/1 security</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee:</FONT></TD>
    <TD STYLE="padding: 1.5pt 4.3pt 3pt; layout-grid-mode: char; font-size: 8.5pt">Deutsche Bank Trust Company Americas (formerly Bankers Trust Company)</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Calculation agent:</FONT></TD>
    <TD STYLE="padding: 1.5pt 4.3pt 3pt; layout-grid-mode: char; font-size: 8.5pt">JPMS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-style: normal; padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The estimated value of the securities:</B></FONT></TD>
    <TD STYLE="padding-right: 4.3pt; padding-left: 4.3pt">
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 2.25pt">The estimated value of the securities set forth on the cover
    of this document is equal to the sum of the values of the following hypothetical components: (1) a fixed-income debt component with the
    same maturity as the securities, valued using the internal funding rate described below, and (2) the derivative or derivatives underlying
    the economic terms of the securities. The estimated value of the securities does not represent a minimum price at which JPMS would be
    willing to buy your securities in any secondary market (if any exists) at any time. The internal funding rate used in the determination
    of the estimated value of the securities may differ from the market-implied funding rate for vanilla fixed income instruments of a similar
    maturity issued by JPMorgan Chase&nbsp;&amp;&nbsp;Co. or its affiliates. Any difference may be based on, among other things, our and our
    affiliates&#8217; view of the funding value of the securities as well as the higher issuance, operational and ongoing liability management
    costs of the securities in comparison to those costs for the conventional fixed income instruments of JPMorgan Chase&nbsp;&amp;&nbsp;Co.
    This internal funding rate is based on certain market inputs and assumptions, which may prove to be incorrect, and is intended to approximate
    the prevailing market replacement funding rate for the securities. The use of an internal funding rate and any potential changes to that
    rate may have an adverse effect on the terms of the securities and any secondary market prices of the securities. For additional information,
    see &#8220;Risk Factors &#8212; Risks Relating to the Estimated Value and Secondary Market Prices of the Securities &#8212; The estimated
    value of the securities is derived by reference to an internal funding rate&#8221; in this document. The value of the derivative or derivatives
    underlying the economic terms of the securities is derived from internal pricing models of our affiliates. These models are dependent
    on inputs such as the traded market prices of comparable derivative instruments and on various other inputs, some of which are market-observable,
    and which can include volatility, dividend rates, interest rates and other factors, as well as assumptions about future market events
    and/or environments. Accordingly, the estimated value of the securities on the pricing date is based on market conditions and other relevant
    factors and assumptions existing at that time. See &#8220;Risk Factors &#8212; Risks Relating to the Estimated Value and Secondary Market
    Prices of the Securities &#8212; The estimated value of the securities does not represent future values of the securities and may differ
    from others&#8217; estimates&#8221; in this document.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 3pt">The estimated value of the securities will be lower than the
    original issue price of the securities because costs associated with selling, structuring and hedging the securities are included in the
    original issue price of the securities. These costs include the selling commissions paid to JPMS and other affiliated or unaffiliated
    dealers, the structuring fee, the projected profits, if any, that our affiliates expect to realize for assuming risks inherent in hedging
    our obligations under the securities and the estimated cost of hedging our obligations under the securities. Because hedging our obligations
    entails risk and may be influenced by market forces beyond our control, this hedging may result in a profit that is more or less than
    expected, or it may result in a loss. A portion of the profits, if any, realized in hedging our obligations under the securities may be
    allowed to other affiliated or unaffiliated dealers, and we or one or more of our affiliates will retain any remaining hedging profits.
    See &#8220;Risk Factors &#8212; Risks Relating to the Estimated Value and Secondary Market Prices of the Securities &#8212; The estimated
    value of the securities will be lower than the original issue price (price to public) of the securities&#8221; in this document.</P></TD></TR>

<TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="font-style: normal; padding: 1.5pt 4.3pt; width: 22%; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Secondary market prices of the securities:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 4.3pt 3pt; width: 78%; layout-grid-mode: char; font-size: 8.5pt">For information about factors that will impact any secondary market prices of the securities, see &#8220;Risk Factors &#8212; Risks Relating to the Estimated Value and Secondary Market Prices of the Securities &#8212; Secondary market prices of the securities will be impacted by many economic and market factors&#8221; in this document. &nbsp;In addition, we generally expect that some of the costs included in the original issue price of the securities will be partially paid back to you in connection with any repurchases of your securities by JPMS in an amount that will decline to zero over an initial predetermined period that is intended to be the shorter of two years and one-half of the stated term of the securities.&nbsp;&nbsp;The length of any such initial period reflects the structure of the securities, whether our affiliates expect to earn a profit in connection with our hedging activities, the estimated costs of hedging the securities and when these costs are incurred, as determined by our affiliates.&nbsp;&nbsp;See &#8220;Risk Factors &#8212; Risks Relating to the </TD></TR>
  </TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="padding: 1.5pt 4.3pt; width: 22%; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 4.3pt 3pt; width: 78%; layout-grid-mode: char; font-size: 8.5pt">Estimated Value and Secondary Market Prices of the Securities &#8212; The value of the securities as published by JPMS (and which may be reflected on customer account statements) may be higher than the then-current estimated value of the securities for a limited time period.&#8221;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax considerations:</FONT></TD>
    <TD STYLE="padding-right: 4.3pt; padding-left: 4.3pt">
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">You should review carefully the section entitled &#8220;Material
    U.S. Federal Income Tax Consequences&#8221; in the accompanying product supplement no. 4-I. In determining our reporting responsibilities
    we intend to treat (i) the securities for U.S. federal income tax purposes as prepaid forward contracts with associated contingent coupons
    and (ii) any contingent quarterly payments as ordinary income, as described in the section entitled &#8220;Material U.S. Federal Income
    Tax Consequences &#8212; Tax Consequences to U.S. Holders &#8212; Notes Treated as Prepaid Forward Contracts with Associated Contingent
    Coupons&#8221; in the accompanying product supplement. Based on the advice of Davis Polk &amp; Wardwell LLP, our special tax counsel,
    we believe that this is a reasonable treatment, but that there are other reasonable treatments that the IRS or a court may adopt, in which
    case the timing and character of any income or loss on the securities could be materially affected. In addition, in 2007 Treasury and
    the IRS released a notice requesting comments on the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and
    similar instruments. The notice focuses in particular on whether to require investors in these instruments to accrue income over the term
    of their investment. It also asks for comments on a number of related topics, including the character of income or loss with respect to
    these instruments and the relevance of factors such as the nature of the underlying property to which the instruments are linked. While
    the notice requests comments on appropriate transition rules and effective dates, any Treasury regulations or other guidance promulgated
    after consideration of these issues could materially affect the tax consequences of an investment in the securities, possibly with retroactive
    effect. The discussions above and in the accompanying product supplement do not address the consequences to taxpayers subject to special
    tax accounting rules under Section 451(b) of the Code. You should consult your tax adviser regarding the U.S. federal income tax consequences
    of an investment in the securities, including possible alternative treatments and the issues presented by the notice described above.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0"><I>Non-U.S. Holders &#8212; Tax Considerations. </I>The U.S. federal
    income tax treatment of contingent quarterly payments is uncertain, and although we believe it is reasonable to take a position that contingent
    quarterly payments are not subject to U.S. withholding tax (at least if an applicable Form W-8 is provided), a withholding agent may nonetheless
    withhold on these payments (generally at a rate of 30%, subject to the possible reduction of that rate under an applicable income tax
    treaty), unless income from your securities is effectively connected with your conduct of a trade or business in the United States (and,
    if an applicable treaty so requires, attributable to a permanent establishment in the United States). If you are not a United States person,
    you are urged to consult your tax adviser regarding the U.S. federal income tax consequences of an investment in the securities in light
    of your particular circumstances.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">Section 871(m) of the Code and Treasury regulations promulgated thereunder
    (&#8220;Section 871(m)&#8221;) generally impose a 30% withholding tax (unless an income tax treaty applies) on dividend equivalents paid
    or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S.
    equities. Section 871(m) provides certain exceptions to this withholding regime, including for instruments linked to certain broad-based
    indices that meet requirements set forth in the applicable Treasury regulations. Additionally, a recent IRS notice excludes from the scope
    of Section 871(m) instruments issued prior to January 1, 2027 that do not have a delta of one with respect to underlying securities that
    could pay U.S.-source dividends for U.S. federal income tax purposes (each an &#8220;Underlying Security&#8221;). Based on certain determinations
    made by us, we expect that Section 871(m) will not apply to the securities with regard to Non-U.S. Holders. Our determination is not binding
    on the IRS, and the IRS may disagree with this determination. Section 871(m) is complex and its application may depend on your particular
    circumstances, including whether you enter into other transactions with respect to an Underlying Security. If necessary, further information
    regarding the potential application of Section 871(m) will be provided in the pricing supplement for the securities. You should consult
    your tax adviser regarding the potential application of Section 871(m) to the securities.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">In the event of any withholding on the securities, we will not be
    required to pay any additional amounts with respect to amounts so withheld.</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="font-style: normal; padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Supplemental use of proceeds and hedging:</B></FONT></TD>
    <TD STYLE="padding-right: 4.3pt; padding-left: 4.3pt">
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0">The securities are offered to meet investor demand for products that reflect
    the risk-return profile and market exposure provided by the securities. See &#8220;How the Securities Work&#8221; in this document for
    an illustration of the risk-return profile of the securities and &#8220;State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP>
    ETF Overview&#8221; in this document for a description of the market exposure provided by the securities.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 2.25pt">The original issue price of the securities is equal to the
    estimated value of the securities plus the selling commissions paid to JPMS and other affiliated or unaffiliated dealers and the structuring
    fee, plus (minus) the projected profits (losses) that our affiliates expect to realize for assuming risks inherent in hedging our obligations
    under the securities, plus the estimated cost of hedging our obligations under the securities.</P></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: normal; padding: 1.5pt 4.3pt; width: 22%; layout-grid-mode: char; font-size: 8.5pt; color: rgb(41,109,193); font-weight: normal"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Benefit plan investor considerations:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 4.3pt 3pt; width: 78%; font-size: 8pt"><FONT STYLE="font-size: 8.5pt">See &#8220;Benefit Plan Investor Considerations&#8221; in the accompanying product supplement</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="color: #296DC1; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 14pt; text-align: right">JPMorgan Chase Financial Company LLC</P><P STYLE="border-top: #296DC1 0.5pt solid; color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Contingent Income Auto-Callable Securities due December 22, 2028</P><DIV STYLE="border-bottom: #296DC1 0.5pt solid; padding: 0in 0in 4pt"> <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Based on the Performance of the State Street<SUP>&reg;</SUP> Energy Select Sector SPDR<SUP>&reg;</SUP> ETF</P><P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: gray; margin: 0">Principal at Risk Securities</P></DIV></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="padding: 1.5pt 4.3pt; width: 22%; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Supplemental plan of distribution:</FONT></TD>
    <TD STYLE="width: 78%; padding-right: 4.3pt; padding-left: 4.3pt">
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">Subject to regulatory constraints, JPMS intends to use its reasonable
    efforts to offer to purchase the securities in the secondary market, but is not required to do so. JPMS, acting as agent for JPMorgan
    Financial, will pay all of the selling commissions it receives from us to Morgan Stanley Wealth Management. In addition, Morgan Stanley
    Wealth Management will receive a structuring fee as set forth on the cover of this document for each security.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 2pt">We or our affiliate may enter into swap agreements or related
    hedge transactions with one of our other affiliates or unaffiliated counterparties in connection with the sale of the securities and JPMS
    and/or an affiliate may earn additional income as a result of payments pursuant to the swap or related hedge transactions. See &#8220;&#8212;
    Supplemental use of proceeds and hedging&#8221; above and &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 4.3pt; layout-grid-mode: char; font-size: 8.5pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Where
you can find more information:</FONT></TD>
    <TD STYLE="padding-right: 4.3pt; padding-left: 4.3pt">
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">You may revoke your offer to purchase the securities at any time
    prior to the time at which we accept such offer by notifying the applicable agent. We reserve the right to change the terms of, or reject
    any offer to purchase, the securities prior to their issuance. In the event of any changes to the terms of the securities, we will notify
    you and you will be asked to accept such changes in connection with your purchase. You may also choose to reject such changes in which
    case we may reject your offer to purchase.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">You should read this document together with the accompanying prospectus,
    as supplemented by the accompanying prospectus supplement, relating to our Series A medium-term notes of which these securities are a
    part, the accompanying prospectus addendum and the more detailed information contained in the accompanying product supplement and the
    accompanying underlying supplement.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">This document, together with the documents listed below, contains
    the terms of the securities and supersedes all other prior or contemporaneous oral statements as well as any other written materials including
    preliminary or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, stand-alone fact
    sheets, brochures or other educational materials of ours. You should carefully consider, among other things, the matters set forth in
    the &#8220;Risk Factors&#8221; sections of the accompanying prospectus supplement and the accompanying product supplement and in Annex
    A to the accompanying prospectus addendum, as the securities involve risks not associated with conventional debt securities. We urge you
    to consult your investment, legal, tax, accounting and other advisers before you invest in the securities.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">You may access these documents on the SEC website at www.sec.gov
    as follows (or if such address has changed, by reviewing our filings for the relevant date on the SEC website):</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 1.3pt"><B>&#8226; Product supplement no. 4-I dated April 13, 2023:
    </B></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 2.25pt; color: #0563C1"><U><A HREF="http://www.sec.gov/Archives/edgar/data/19617/000121390023029539/ea152803_424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000121390023029539/ea152803_424b2.pdf
    </A></U></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 2.25pt"><B>&#8226; Underlying supplement no. 1-I dated April 13, 2023:</B></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 1.3pt; color: #0563C1"><U><A HREF="http://www.sec.gov/Archives/edgar/data/19617/000121390023029543/ea151873_424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000121390023029543/ea151873_424b2.pdf</A>
    </U></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 1.3pt"><B>&#8226; Prospectus supplement and prospectus, each dated
    April 13, 2023: </B></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0"><A HREF="http://www.sec.gov/Archives/edgar/data/19617/000095010323005751/crt_dp192097-424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000095010323005751/crt_dp192097-424b2.pdf</A></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0 2.25pt"><B>&#8226; Prospectus addendum dated June 3, 2024:</B></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0"><A HREF="http://www.sec.gov/Archives/edgar/data/1665650/000095010324007599/dp211753_424b3.htm">http://www.sec.gov/Archives/edgar/data/1665650/000095010324007599/dp211753_424b3.htm</A></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">Our Central Index Key, or CIK, on the SEC website is 1665650, and
    JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s CIK is 19617.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 1.5pt 0">As used in this document, &#8220;we,&#8221; &#8220;us,&#8221; and
    &#8220;our&#8221; refer to JPMorgan Financial.</P></TD></TR>
  </TABLE>
<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
