<SEC-DOCUMENT>0001213900-25-123099.txt : 20251218
<SEC-HEADER>0001213900-25-123099.hdr.sgml : 20251218
<ACCEPTANCE-DATETIME>20251218110108
ACCESSION NUMBER:		0001213900-25-123099
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20251218
DATE AS OF CHANGE:		20251218

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:		251581821

	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:		251581822

	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>ea0270204-01_424b2.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
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<P STYLE="font: 8pt 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 notes
in any jurisdiction where the offer or sale is not permitted.</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: 33%; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="width: 38%; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: red"><B>Subject to completion dated December 18, 2025</B></FONT></TD>
    <TD STYLE="width: 29%; font-size: 8pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0">PRICING SUPPLEMENT</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0">Filed Pursuant to Rule 424(b)(2)<BR>
    Registration Statement Nos. 333-270004 and 333-270004-01<BR>
    Dated December &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2025</P></TD></TR>
  </TABLE>
<P STYLE="font: 15pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">JPMorgan Chase Financial Company LLC Trigger Autocallable
Contingent Yield Notes</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Linked to the common stock of Citigroup Inc. due on
or about December 21, 2028</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt; text-align: justify">Fully and Unconditionally Guaranteed by JPMorgan
Chase&nbsp;&amp;&nbsp;Co.</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: 100%">
    <P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Investment
    Description</P></TD></TR>
  </TABLE>
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.05in">Trigger Autocallable Contingent Yield Notes are unsecured and unsubordinated
debt securities issued by JPMorgan Chase Financial Company LLC (&#8220;JPMorgan Financial&#8221;), the payment on which is fully and unconditionally
guaranteed by JPMorgan Chase&nbsp;&amp;&nbsp;Co. (each, a &#8220;Note&#8221; and collectively, the &#8220;Notes&#8221;), linked to the
performance of a specific underlying (the &#8220;Underlying&#8221;). If the closing price of one share of the Underlying on a quarterly
Observation Date is equal to or greater than the Coupon Barrier, JPMorgan Financial will make a Contingent Coupon payment with respect
to that Observation Date. Otherwise, no coupon will be payable with respect to that Observation Date. JPMorgan Financial will automatically
call the Notes early if the closing price of one share of the Underlying on any quarterly Observation Date (after an initial six-month
non-call period) is equal to or greater than the Initial Value. If the Notes are called, JPMorgan Financial will pay the principal amount
<I>plus</I> the Contingent Coupon for that Observation Date and no further amounts will be owed to you. If the Notes are not called prior
to maturity and the Final Value is equal to or greater than the Downside Threshold (which is the same price as the Coupon Barrier), JPMorgan
Financial will make a cash payment at maturity equal to the principal amount of your Notes, in addition to the Contingent Coupon. If the
Notes are not called prior to maturity and the Final Value is less than the Downside Threshold, JPMorgan Financial will pay you less than
the full principal amount, if anything, at maturity, resulting in a loss on your principal amount that is proportionate to the decline
in the closing price of one share of the Underlying from the Initial Value to the Final Value. The closing price of one share of the Underlying
is subject to adjustments, in the sole discretion of the calculation agent, in the case of certain corporate events described in the accompanying
product supplement under &#8220;The Underlyings &#8212; Underlying Stocks &#8212; Anti-Dilution Adjustments&#8221; and &#8220;The Underlyings
&#8212; Underlying Stocks &#8212; Reorganization Events.&#8221; <B>Investing in the Notes involves significant risks. You may lose a significant
portion or all of your principal amount. Generally, a higher Contingent Coupon Rate is associated with a greater risk of loss. The contingent
repayment of principal applies only if you hold the Notes to maturity. Any payment on the Notes, including any repayment of principal,
is subject to the creditworthiness of JPMorgan Financial, as issuer of the Notes, and the creditworthiness of JPMorgan Chase&nbsp;&amp;&nbsp;Co.,
as guarantor of the Notes. If JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co. were to default on their payment obligations,
you may not receive any amounts owed to you under the Notes and you could lose your entire investment.</B></P>

<div style="float: left; width: 48%">

<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: 100%">
    <P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Features</P></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: 0.05in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">q</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Automatically Callable:</B> JPMorgan Financial will automatically call
the Notes and pay you the principal amount <I>plus</I> the Contingent Coupon otherwise due for a quarterly Observation Date (after an
initial six-month non-call period) if the closing price of one share of the Underlying on that quarterly Observation Date is equal to
or greater than the Initial Value. No further payments will be made on the Notes. <FONT STYLE="background-color: white">If the Notes are
not called, investors will have the potential for downside equity market risk at maturity.</FONT></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: 0.05in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">q</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Contingent Coupon:</B> If the closing price of one share of the Underlying
on a quarterly Observation Date (including the Final Valuation Date) is equal to or greater than the Coupon Barrier, JPMorgan Financial
will make a Contingent Coupon payment with respect to that Observation Date. Otherwise, no coupon will be payable with respect to that
Observation Date.</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: 0.05in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">q</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Downside Exposure with Contingent Repayment of Principal Amount at Maturity:</B>
If by maturity the Notes have not been called and the Underlying closes at or above the Downside Threshold on the Final Valuation Date,
JPMorgan Financial will pay you the principal amount per Note at maturity, in addition to the Contingent Coupon. If by maturity the Notes
have not been called and the Underlying closes below the Downside Threshold on the Final Valuation Date, JPMorgan Financial will repay
less than the principal amount, if anything, at maturity, resulting in a loss on your principal amount that is proportionate to the decline
in the closing price of one share of the Underlying from the Initial Value to the Final Value. The contingent repayment of principal applies
only if you hold the Notes until maturity. Any payment on the Notes, including any repayment of principal, is subject to the creditworthiness
of JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co.</FONT></TD></TR></TABLE>

</div>
<div style="float: right; width: 48%">


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  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">
    <P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Key
    Dates</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.05in; font-size: 9pt; width: 50%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Trade Date<SUP>1</SUP></FONT></TD>
    <TD STYLE="text-align: right; font-size: 9pt; width: 50%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">December 18, 2025 </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.05in; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Original Issue Date (Settlement Date)<SUP>1</SUP></FONT></TD>
    <TD STYLE="text-align: right; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">December 23, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.05in; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Observation Dates<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: right; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Quarterly (callable beginning June 17, 2026) (see page 5)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.05in; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Final Valuation Date<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: right; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">December 18, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.05in; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Maturity Date<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: right; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">December 21, 2028</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: 0.05in"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 5pt"><SUP>1</SUP></FONT></TD><TD>Expected. In the event that we make any change to the expected Trade Date and Settlement Date, the Observation Dates, the Final Valuation
Date and/or the Maturity Date will be changed so that the stated term of the Notes remains the same. <B><I>The Initial Value is the closing
price of one share of the Underlying on December 17, 2025 and is not the closing price of one share of the Underlying on the Trade Date.</I></B></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: 0.05in"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 5pt"><SUP>2</SUP></FONT></TD><TD>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</TD></TR></TABLE>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

</div>
<div style="clear:both"></div>


<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>THE NOTES ARE
SIGNIFICANTLY RISKIER THAN CONVENTIONAL DEBT INSTRUMENTS. JPMORGAN FINANCIAL IS NOT NECESSARILY OBLIGATED TO REPAY THE FULL PRINCIPAL
AMOUNT OF THE NOTES AT MATURITY, AND THE NOTES CAN HAVE DOWNSIDE MARKET RISK SIMILAR TO THE UNDERLYING. THIS MARKET RISK IS IN ADDITION
TO THE CREDIT RISK INHERENT IN PURCHASING A DEBT OBLIGATION OF JPMORGAN FINANCIAL FULLY AND UNCONDITIONALLY GUARANTEED BY JPMORGAN CHASE&nbsp;&amp;&nbsp;CO.</B></FONT><B>&nbsp;
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">YOU SHOULD NOT PURCHASE THE NOTES IF YOU DO NOT UNDERSTAND OR ARE NOT COMFORTABLE
WITH THE SIGNIFICANT RISKS INVOLVED IN INVESTING IN THE NOTES.</FONT></B></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0"><B>YOU SHOULD CAREFULLY CONSIDER THE RISKS DESCRIBED UNDER &#8220;KEY RISKS&#8221;
BEGINNING ON PAGE 7 OF THIS PRICING SUPPLEMENT, UNDER &#8220;RISK FACTORS&#8221; BEGINNING ON PAGE S-2 OF THE ACCOMPANYING PROSPECTUS
SUPPLEMENT, IN ANNEX A TO THE ACCOMPANYING PROSPECTUS ADDENDUM AND UNDER &#8220;RISK FACTORS&#8221; BEGINNING ON PAGE PS-12 OF THE ACCOMPANYING
PRODUCT SUPPLEMENT BEFORE PURCHASING ANY NOTES. EVENTS RELATING TO ANY OF THOSE RISKS, OR OTHER RISKS AND UNCERTAINTIES, COULD ADVERSELY
AFFECT THE MARKET VALUE OF, AND THE RETURN ON, YOUR NOTES. YOU MAY LOSE A SIGNIFICANT PORTION OR ALL OF YOUR INITIAL INVESTMENT IN THE
NOTES. THE NOTES WILL NOT BE LISTED ON ANY SECURITIES EXCHANGE.</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: 100%">
    <P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Note
    Offering</P></TD></TR>
  </TABLE>
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt">We are offering Trigger Autocallable Contingent Yield Notes linked to the
common stock of Citigroup Inc. The Notes are offered at a minimum investment of $1,000 in denominations of $10 and integral multiples
thereof. The Contingent Coupon Rate will be finalized on the Trade Date and provided in the pricing supplement. The actual Contingent
Coupon Rate is expected to be, but will not be less than, the minimum Contingent Coupon Rate listed below, but you should be willing to
invest in the Notes if the Contingent Coupon Rate were set equal to that minimum Contingent Coupon Rate.</P>

<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 33%; border-bottom: Black 1pt solid; padding-left: 0.05in; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Underlying</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Contingent Coupon Rate</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Initial Value*</B></FONT></TD>
    <TD STYLE="width: 15%; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Downside Threshold</B></FONT></TD>
    <TD STYLE="width: 15%; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Coupon Barrier</B></FONT></TD>
    <TD STYLE="width: 16%; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>CUSIP / ISIN</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid">
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">Common stock of Citigroup Inc.</P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">(Bloomberg ticker: C)</P></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">At least 9.00% per annum</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">$111.46</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">$67.71, which is 60.75% of the Initial Value</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">$67.71, which is 60.75% of the Initial Value</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">48134M463 / US48134M4630</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt">*The Initial Value is the closing price of one share of the Underlying
on December 17, 2025 and is <I>not</I> the closing price of one share of the Underlying on the Trade Date.</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt"><B>See &#8220;Additional Information about JPMorgan Financial,
JPMorgan Chase&nbsp;&amp;&nbsp;Co. and the Notes&#8221; in this pricing supplement. The Notes will have the terms specified in the prospectus
and the prospectus supplement, each dated April 13, 2023, the prospectus addendum dated June 3, 2024, product supplement no. UBS-1-I dated
April 13, 2023 and this pricing supplement. The terms of the Notes as set forth in this pricing supplement, to the extent they differ
or conflict with those set forth in the accompanying product supplement, will supersede the terms set forth in that product supplement<I>.</I></B></P>

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

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt"><B>Price&nbsp;to&nbsp;Public<SUP>(1)</SUP></B></FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt"><B>Fees and Commissions<SUP>(2)</SUP></B></FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt"><B>Proceeds&nbsp;to&nbsp;Issuer</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; padding-left: 0.05in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Offering of Notes</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Total</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 9%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Per Note</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Total</B></FONT></TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Per Note</B></FONT></TD>
    <TD STYLE="width: 6%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Total</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 9%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Per Note</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-left: 0.05in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">Notes linked to the common stock of Citigroup Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">$10</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">$0.225</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">$9.775</FONT></TD></TR>
  </TABLE>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.15in; padding-right: 1.75pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><SUP>(1)</SUP></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">See &#8220;Supplemental Use of Proceeds&#8221; in this pricing supplement for information about the components of the price to public of the Notes. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><SUP>(2)</SUP></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">UBS Financial Services Inc., which we refer to as UBS, will receive selling commissions from us that will not exceed $0.225 per $10 principal amount Note. See &#8220;Plan of Distribution (Conflicts of Interest)&#8221; in the accompanying product supplement, as supplemented by &#8220;Supplemental Plan of Distribution&#8221; in this pricing supplement.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0 0pt 0pt"><B>If the Notes priced today and assuming a Contingent Coupon
Rate equal to the minimum Contingent Coupon Rate listed above, the estimated value of the Notes would be approximately $9.614 per $10
principal amount Note. The estimated value of the Notes, when the terms of the Notes are set, will be provided in the pricing supplement
and will not be less than $9.30 per $10 principal amount Note. </B>See &#8220;The Estimated Value of the Notes&#8221; in this pricing
supplement for additional information.</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 1pt 0pt 0pt"><I>The Notes 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: 6.5pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 85%"><FONT STYLE="font-size: 14pt"><B>UBS Financial Services Inc.</B></FONT></TD>
    <TD STYLE="text-align: right; width: 15%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt; color: #403152"><B>J.P.Morgan</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0"><I></I>&nbsp;</P>


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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0">&nbsp;</P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Additional
Information about JPMorgan Financial, JPMorgan Chase&nbsp;&amp;&nbsp;Co. and the Notes</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt">You may revoke your offer to purchase the Notes at any time
prior to the time at which we accept such offer by notifying the agent. We reserve the right to change the terms of, or reject any offer
to purchase, the Notes prior to their issuance. In the event of any changes to the terms of the Notes, 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: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt">You should read this pricing supplement together with the accompanying
prospectus, as supplemented by the accompanying prospectus supplement relating to our Series A medium-term notes of which these Notes
are a part, the accompanying prospectus addendum and the more detailed information contained in the accompanying product supplement. <B>This
pricing supplement, together with the documents listed below, contains the terms of the Notes 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, fact sheets, brochures or other educational materials of ours.</B> 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 Notes involve risks not associated
with conventional debt securities.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt"><B>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):</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Product supplement no. UBS-1-I dated April 13, 2023:<BR>
<A HREF="http://www.sec.gov/Archives/edgar/data/19617/000121390023029549/ea152816_424b2.pdf">http://www.sec.gov/Archives/edgar/data/19617/000121390023029549/ea152816_424b2.pdf</A></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Prospectus supplement and prospectus, each dated April 13, 2023:<BR>
<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></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Prospectus addendum dated June 3, 2024:<BR>
<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></FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt">Our Central Index Key, or CIK, on the SEC website is 1665650,
and JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s CIK is 19617. As used in this pricing supplement, the &#8220;Issuer,&#8221; &#8220;JPMorgan
Financial,&#8221; &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to JPMorgan Chase Financial Company LLC.</P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Supplemental
Terms of the Notes</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">For purposes of the accompanying product supplement, the common stock
of Citigroup Inc. is an &#8220;Underlying Stock.&#8221;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">Any values of the Underlying, and any values derived therefrom, included
in this pricing supplement may be corrected, in the event of manifest error or inconsistency, by amendment of this pricing supplement
and the corresponding terms of the Notes. Notwithstanding anything to the contrary in the indenture governing the Notes, that amendment
will become effective without consent of the holders of the Notes or any other party.</P>


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<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Investor
Suitability</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 47%">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><B>The Notes may be suitable for you if, among other considerations:</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    fully understand the risks inherent in an investment in the Notes, including the risk of loss of your entire initial investment.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    can tolerate a loss of all or a substantial portion of your investment and are willing to make an investment that may have the same downside
    market risk as an investment in the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    accept that you may not receive a Contingent Coupon on some or all of the Coupon Payment Dates.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    believe the Underlying will close at or above the Coupon Barrier on the Observation Dates and the Downside Threshold on the Final Valuation
    Date.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    believe the Underlying will close at or above the Initial Value on one of the specified Observation Dates (after an initial six-month
    non-call period).</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    understand and accept that you will not participate in any appreciation of the Underlying and that your potential return is limited to
    the Contingent Coupons.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    can tolerate fluctuations in the price of the Notes prior to maturity that may be similar to or exceed the downside price fluctuations
    of the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    would be willing to invest in the Notes if the Contingent Coupon Rate were set equal to the minimum Contingent Coupon Rate indicated on
    the cover hereof (the actual Contingent Coupon Rate will be finalized on the Trade Date and provided in the pricing supplement and is
    expected to be, but will not be less than, the minimum Contingent Coupon Rate listed on the cover).</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    do not seek guaranteed current income from this investment and are willing to forgo dividends paid on the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    are able and willing to invest in Notes that may be called early (after an initial six-month non-call period) or you are otherwise able
    and willing to hold the Notes to maturity.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    accept that there may be little or no secondary market for the Notes and that any secondary market will depend in large part on the price,
    if any, at which J.P. Morgan Securities LLC, which we refer to as JPMS, is willing to trade the Notes.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    understand and accept the single stock risk associated with the Notes and the risks associated with the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    are willing to assume the credit risks of JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co. for all payments under the Notes,
    and understand that if JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co. default on their obligations, you may not receive any
    amounts due to you including any repayment of principal.</FONT></P></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><B>The Notes may not be suitable for you if, among other considerations:</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    do not fully understand the risks inherent in an investment in the Notes, including the risk of loss of your entire initial investment.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    cannot tolerate a loss of all or a substantial portion of your investment or are unwilling to make an investment that may have the same
    downside market risk as an investment in the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    require an investment designed to provide a full return of principal at maturity.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    do not accept that you may not receive a Contingent Coupon on some or all of the Coupon Payment Dates.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    believe that the price of one share of the Underlying will decline during the term of the Notes and is likely to close below the Coupon
    Barrier on the Observation Dates and the Downside Threshold on the Final Valuation Date.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    seek an investment that participates in the full appreciation of the Underlying or that has unlimited return potential.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    cannot tolerate fluctuations in the price of the Notes prior to maturity that may be similar to or exceed the downside price fluctuations
    of the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    would not be willing to invest in the Notes if the Contingent Coupon Rate were set equal to the minimum Contingent Coupon Rate indicated
    on the cover hereof (the actual Contingent Coupon Rate will be finalized on the Trade Date and provided in the pricing supplement and
    is expected to be, but will not be less than, the minimum Contingent Coupon Rate listed on the cover).</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    prefer the lower risk, and therefore accept the potentially lower returns, of fixed income investments with comparable maturities and
    credit ratings.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    seek guaranteed current income from this investment or prefer to receive the dividends paid on the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    are unable or unwilling to invest in Notes that may be called early (after an initial six-month non-call period), or you are otherwise
    unable or unwilling to hold the Notes to maturity or you seek an investment for which there will be an active secondary market.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    do not understand or accept the single stock risk associated with the Notes or the risks associated with the Underlying.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 18.7pt; text-indent: -18.7pt"><FONT STYLE="font-family: Wingdings">t</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You
    are not willing to assume the credit risks of JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co. for all payments under the Notes,
    including any repayment of principal.</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The suitability
considerations identified above are not exhaustive. Whether or not the Notes are a suitable investment for you will depend on your individual
circumstances, and you should reach an investment decision only after you and your investment, legal, tax, accounting and other advisers
have carefully considered the suitability of an investment in the Notes in light of your particular circumstances. You should also review
carefully the &#8220;Key Risks&#8221; section of this pricing supplement, the &#8220;Risk Factors&#8221; sections of the accompanying
prospectus supplement and the accompanying product supplement </B></FONT><B>and Annex A to the accompanying prospectus addendum f<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">or
risks related to an investment in the Notes. For more information on the Underlying, please see the section titled &#8220;The Underlying&#8221;
below.</FONT></B></P>


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<div style="float: left; width: 48%">

<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: 100%">
    <P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Indicative
    Terms</P></TD></TR>
  </TABLE>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid; padding-bottom: 5pt; width: 28%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Issuer</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding-bottom: 5pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding-bottom: 5pt; width: 70%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">JPMorgan Chase Financial Company LLC, a direct, wholly owned finance subsidiary of JPMorgan Chase&nbsp;&amp;&nbsp;Co.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Guarantor</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">JPMorgan Chase&nbsp;&amp;&nbsp;Co.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid; padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Issue Price</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding-bottom: 5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">$10 per Note</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Underlying</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Common stock of Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Principal Amount</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">$10 per Note (subject to a minimum purchase of 100 Notes or $1,000)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Term<SUP>1</SUP></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Approximately 3 years, unless called earlier </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Automatic Call Feature</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">The Notes will be called automatically if the closing price<SUP>2</SUP> of one share of the Underlying on any Observation Date (after an initial six-month non-call period) is equal to or greater than the Initial Value. If the Notes are called, JPMorgan Financial will pay you on the applicable Call Settlement Date a cash payment per Note equal to the principal amount <I>plus</I> the Contingent Coupon otherwise due for the applicable Observation Date, and no further payments will be made on the Notes.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; text-align: left; margin-top: 0; margin-right: 0; margin-bottom: 0">Contingent Coupon</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">&nbsp;</P></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">If the closing price<SUP>2</SUP> of one share of the Underlying is equal
    to or greater than the Coupon Barrier on any Observation Date, we will pay you the Contingent Coupon for that Observation Date on the
    relevant Coupon Payment Date.</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">If the closing price<SUP>2</SUP> of one share of the Underlying is less
    than the Coupon Barrier on any Observation Date, the Contingent Coupon for that Observation Date will not accrue or be payable, and we
    will not make any payment to you on the relevant Coupon Payment Date.</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">Each Contingent Coupon will be a fixed amount based on equal quarterly
    installments at the Contingent Coupon Rate, which is a per annum rate. <B>You should be willing to invest in the Notes if the Contingent
    Coupon Rate were set equal to the minimum Contingent Coupon Rate set forth in &#8220;Contingent Coupon Rate&#8221; below.</B></P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Contingent Coupon payments on the Notes are not guaranteed. We will
    not pay you the Contingent Coupon for any Observation Date on which the closing price of one share of the Underlying is less than the
    Coupon Barrier.</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">Contingent Coupon</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">Rate</P></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">At least 9.00% per annum. The actual Contingent Coupon Rate will be finalized on the Trade Date and provided in the pricing supplement and is expected to be, but will not be less than, 9.00% per annum.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">Contingent Coupon Payments</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.05in">&nbsp;</P></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">At least $0.225 per $10 principal amount Note. The actual Contingent Coupon payments will be based on the Contingent Coupon Rate and finalized on the Trade Date and provided in the pricing supplement.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Coupon Payment Dates<SUP>3</SUP></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">As specified under the &#8220;Coupon Payment Dates&#8221; column of the table under &#8220;Observation Dates and Coupon Payment Dates&#8221; below</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Call Settlement Dates<SUP>3</SUP></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">First Coupon Payment Date following the applicable Observation Date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt"><BR STYLE="clear: both">
Payment at Maturity <BR>
(per $10 Note)</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0"><B>If the Notes are not automatically called and the Final Value is equal
    to or greater than the Downside Threshold, </B>we will pay you a cash payment at maturity per $10 principal amount Note equal to $10 <I>plus</I>
    the Contingent Coupon otherwise due on the Maturity Date.</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>If the Notes are not automatically called and the Final Value
    is less than the Downside Threshold, </B>we will pay you a cash payment at maturity that is less than $10 per $10 principal amount Note,
    equal to:</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt; text-align: center">$10 &times; (1 + Underlying Return)</P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0"><I>In this scenario, you will be exposed to the decline in the price of
    one share of the Underlying and you will lose a significant portion or all of your principal at maturity in an amount proportionate to
    the negative Underlying Return.</I></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt"><BR STYLE="clear: both">
Underlying Return</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>(Final Value &#8211; Initial Value)</U></P>
    <P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Initial Value</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Initial Value</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">The closing price of one share of the Underlying on December 17, 2025, as specified on the cover of this pricing supplement. <B>The Initial Value is <I>not</I> the closing price of one share of the Underlying on the Trade Date.</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Final Value</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">The closing price<SUP>2</SUP> of one share of the Underlying on the Final Valuation Date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Downside Threshold</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">A percentage of the Initial Value, as specified on the cover of this pricing supplement</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Coupon Barrier</FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">A percentage of the Initial Value, as specified on the cover of this pricing supplement</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5pt; border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Stock Adjustment Factor<SUP>2</SUP></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">The Stock Adjustment Factor is referenced in determining the closing price of one share of the Underlying. The Stock Adjustment Factor is set initially at 1.0 on December 17, 2025.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>1</SUP> See footnote 1 under &#8220;Key Dates&#8221; on the front
cover.</P>

<P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>2</SUP> The closing price and the Stock Adjustment Factor of the Underlying
are subject to adjustments, in the sole discretion of the calculation agent, in the case of certain corporate events described in the
accompanying product supplement under &#8220;The Underlyings &#8212; Underlying Stocks &#8212; Anti-Dilution Adjustments&#8221; and &#8220;The
Underlyings &#8212; Underlying Stocks &#8212; Reorganization Events.&#8221;</P>

<P STYLE="font: 6.5pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>3 </SUP>See footnote 2 under &#8220;Key Dates&#8221; on the front
cover.</P>

</div>
<div style="float: right; width: 48%">


<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%">
    <P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Investment
    Timeline</P></TD></TR>
  </TABLE>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; background-color: #C5D3A1; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>December 17, 2025</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 70%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The closing price of one share of the Underlying (Initial Value) is observed and the Downside Threshold and the Coupon Barrier are determined.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: #C5D3A1">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trade Date</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(December 18, 2025)</B></P></TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Contingent Coupon Rate is finalized.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B><IMG SRC="image_001.jpg" ALT="" STYLE="height: 158px; width: 14px"></B></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>

<TR>
    <TD STYLE="width: 28%; background-color: #C5D3A1; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Quarterly (callable after an initial six-month non-call period)</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 70%">
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0">If the closing price of one share of the Underlying is equal to or
    greater than the Coupon Barrier on any Observation Date, JPMorgan Financial will pay you a Contingent Coupon on the Coupon Payment Date.</P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0">The Notes will also be called if the closing price of one share of the
    Underlying on any Observation Date (after an initial six-month non-call period) is equal to or greater than the Initial Value. If the
    Notes are called, JPMorgan Financial will pay you a cash payment per Note equal to the principal amount <I>plus</I> the Contingent Coupon
    otherwise due for the applicable Observation Date, and no further payments will be made on the Notes.</P></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B><IMG SRC="image_002.jpg" ALT="" STYLE="height: 107px; width: 14px"></B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 3pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: #C5D3A1">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Maturity Date</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0"><FONT STYLE="background-color: white">The Final Value is determined
    as of the Final Valuation Date.</FONT></P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0"><FONT STYLE="background-color: white"><B>If the Notes are not automatically
    called and the Final Value is equal to or greater than the Downside Threshold, </B>we will pay you a cash payment at maturity per $10
    principal amount Note equal to $10 <I>plus</I> the Contingent Coupon otherwise due on the Maturity Date.</FONT></P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0"><FONT STYLE="background-color: white"><B>If the Notes are not automatically
    called and the Final Value is less than the Downside Threshold, </B>we will pay you a cash payment at maturity that is less than $10 per
    $10 principal amount Note, equal to:</FONT></P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0; text-align: center"><FONT STYLE="background-color: white">$10 &times;
    (1 + Underlying Return)</FONT></P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><FONT STYLE="background-color: white"><I>In this scenario, you will
    be exposed to the decline in the price of one share of the Underlying and you will lose a significant portion or all of your principal
    at maturity in an amount proportionate to the negative Underlying Return.</I></FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><B>INVESTING IN THE NOTES INVOLVES SIGNIFICANT RISKS. YOU
MAY LOSE A SIGNIFICANT PORTION OR ALL OF YOUR PRINCIPAL AMOUNT. ANY PAYMENT ON THE NOTES, INCLUDING ANY REPAYMENT OF PRINCIPAL, IS SUBJECT
TO THE CREDITWORTHINESS OF JPMORGAN FINANCIAL AND JPMORGAN CHASE&nbsp;&amp;&nbsp;CO. IF JPMORGAN FINANCIAL AND JPMORGAN CHASE&nbsp;&amp;&nbsp;CO.
WERE TO DEFAULT ON THEIR PAYMENT OBLIGATIONS, YOU MAY NOT RECEIVE ANY AMOUNTS OWED TO YOU UNDER THE NOTES AND YOU COULD LOSE YOUR ENTIRE
INVESTMENT.</B></P>

</div>
<div style="clear:both"></div>


<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">Observation
Dates and Coupon Payment Dates</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 49%; border-bottom: Black 1pt solid; padding-top: 3pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Observation Dates<SUP>&#8224;</SUP></B></FONT></TD>
    <TD STYLE="width: 51%; border-bottom: Black 1pt solid; padding-top: 3pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Coupon Payment Dates</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">March 17, 2026</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">March 20, 2026</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 17, 2026</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 23, 2026</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">September 17, 2026</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">September 22, 2026</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">December 17, 2026</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">December 22, 2026</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">March 17, 2027</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">March 22, 2027</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 17, 2027</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 23, 2027</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">September 17, 2027</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">September 22, 2027</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">December 17, 2027</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">December 22, 2027</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">March 17, 2028</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">March 22, 2028</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 20, 2028</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 23, 2028</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">September 18, 2028</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">September 21, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">December 18, 2028 (the Final Valuation Date)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 1pt; padding-right: 0.1in; padding-bottom: 2pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">December 21, 2028 (the Maturity Date)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0; text-align: justify"><SUP>&#8224;</SUP>The Notes are not callable
until the second Observation Date, June 17, 2026.</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0; text-align: justify">Each of the Observation Dates, and therefore
the Coupon Payment Dates, is 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.</P>


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<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;What
Are the Tax Consequences of the Notes?</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0">You should review carefully the section entitled &#8220;Material U.S.
Federal Income Tax Consequences&#8221; in the accompanying product supplement no. UBS-1-I. In determining our reporting responsibilities
we intend to treat (i) the Notes for U.S. federal income tax purposes as prepaid forward contracts with associated contingent coupons
and (ii) any Contingent Coupons 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.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0">Sale, Exchange or Redemption of a Note. Assuming the treatment described
above is respected, upon a sale or exchange of the Notes (including redemption upon an automatic call or at maturity), you should recognize
capital gain or loss equal to the difference between the amount realized on the sale or exchange and your tax basis in the Notes, which
should equal the amount you paid to acquire the Notes (assuming Contingent Coupons are properly treated as ordinary income, consistent
with the position referred to above). This gain or loss should be short-term capital gain or loss unless you hold the Notes for more than
one year, in which case the gain or loss should be long-term capital gain or loss, whether or not you are an initial purchaser of the
Notes at the issue price. The deductibility of capital losses is subject to limitations. If you sell your Notes between the time your
right to a Contingent Coupon is fixed and the time it is paid, it is likely that you will be treated as receiving ordinary income equal
to the Contingent Coupon. Although uncertain, it is possible that proceeds received from the sale or exchange of your Notes prior to an
Observation Date but that can be attributed to an expected Contingent Coupon payment could be treated as ordinary income. You should consult
your tax adviser regarding this issue.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0">As described above, 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 Notes 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 Notes, 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 Notes, including possible alternative treatments and the issues presented by the notice
described above.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0"><I>Non-U.S. Holders &#8212; Tax Considerations. </I>The U.S. federal
income tax treatment of Contingent Coupons is uncertain, and although we believe it is reasonable to take a position that Contingent Coupons
are not subject to U.S. withholding tax (at least if an applicable Form W-8 is provided), it is expected that withholding agents will
(and we, if we are the withholding agent, intend to) withhold on any Contingent Coupon paid to a Non-U.S. Holder generally at a rate of
30% or at a reduced rate specified by an applicable income tax treaty under an &#8220;other income&#8221; or similar provision. We will
not be required to pay any additional amounts with respect to amounts withheld. In order to claim an exemption from, or a reduction in,
the 30% withholding tax, a Non-U.S. Holder of the Notes must comply with certification requirements to establish that it is not a U.S.
person and is eligible for such an exemption or reduction under an applicable tax treaty. If you are a Non-U.S. Holder, you should consult
your tax adviser regarding the tax treatment of the Notes, including the possibility of obtaining a refund of any withholding tax and
the certification requirement described above.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 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 Notes 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 Notes. You should consult your
tax adviser regarding the potential application of Section 871(m) to the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0">In the event of any withholding on the Notes, we will not be required
to pay any additional amounts with respect to amounts so withheld.<BR STYLE="clear: both">
</P>


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<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Key
Risks</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">An investment in the Notes involves significant risks. Investing in
the Notes is not equivalent to investing directly in the Underlying. These risks are explained in more detail 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. We also urge you to consult your investment, legal, tax, accounting and other advisers before you invest in the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>Risks Relating to the Notes Generally</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Your Investment in the Notes May Result in a Loss </B>&#8212; The Notes
differ from ordinary debt securities in that JPMorgan Financial will not necessarily repay the full principal amount of the Notes. If
the Notes are not called and the closing price of one share of the Underlying has declined below the Downside Threshold on the Final Valuation
Date, you will be fully exposed to any depreciation of the Underlying from the Initial Value to the Final Value. In this case, JPMorgan
Financial will repay less than the full principal amount at maturity, resulting in a loss of principal that is proportionate to the negative
Underlying Return. Under these circumstances, you will lose 1% of your principal for every 1% that the Final Value is less than the Initial
Value and could lose your entire principal amount. As a result, your investment in the Notes may not perform as well as an investment
in a security that does not have the potential for full downside exposure to the Underlying at maturity.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Credit Risks of JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co.
</B>&#8212; The Notes are unsecured and unsubordinated debt obligations of the Issuer, JPMorgan Chase Financial Company LLC, the payment
on which is fully and unconditionally guaranteed by JPMorgan Chase&nbsp;&amp;&nbsp;Co. The Notes will rank <I>pari passu</I> with all
of our other unsecured and unsubordinated obligations, and the related guarantee by JPMorgan Chase&nbsp;&amp;&nbsp;Co. will rank <I>pari
passu</I> with all of JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s other unsecured and unsubordinated obligations. The Notes and related
guarantees are not, either directly or indirectly, an obligation of any third party. Any payment to be made on the Notes, including any
repayment of principal, depends on the ability of JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co. to satisfy their obligations
as they come due. As a result, the actual and perceived creditworthiness of JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co.
may affect the market value of the Notes and, in the event JPMorgan Financial and JPMorgan Chase&nbsp;&amp;&nbsp;Co. were to default on
their obligations, you may not receive any amounts owed to you under the terms of the Notes and you could lose your entire investment.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>As a Finance Subsidiary, JPMorgan Financial Has No Independent Operations
and Limited Assets </B>&#8212; 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 Notes. 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 Notes 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 Notes, 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.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>You Are Not Guaranteed Any Contingent Coupons </B>&#8212; We will not necessarily
make periodic coupon payments on the Notes. If the closing price of one share of the Underlying on an Observation Date is less than the
Coupon Barrier, we will not pay you the Contingent Coupon for that Observation Date, and the Contingent Coupon that would otherwise be
payable will not be accrued and will be lost. If the closing price of one share of the Underlying is less than the Coupon Barrier on each
of the Observation Dates, we will not pay you any Contingent Coupon during the term of, and you will not receive a positive return on,
your Notes. Generally, this non-payment of the Contingent Coupon coincides with a period of greater risk of principal loss on your Notes.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Return on the Notes Is Limited to the Sum of Any Contingent Coupons and
You Will Not Participate in Any Appreciation of the Underlying </B>&#8212; The return potential of the Notes is limited to the specified
Contingent Coupon Rate, regardless of any appreciation of the Underlying, which may be significant. In addition, the total return on the
Notes will vary based on the number of Observation Dates on which the requirements for a Contingent Coupon have been met prior to maturity
or an automatic call. Further, if the Notes are called, you will not receive any Contingent Coupons or any other payments in respect of
any Observation Dates after the Call Settlement Date. Because the Notes could be called as early as the second Observation Date, the total
return on the Notes could be minimal. If the Notes are not called, you may be subject to the risk of decline of the Underlying, even though
you&nbsp;are not able to participate in any potential appreciation of the Underlying. Generally, the longer the Notes remain outstanding,
the less likely it is that they will be automatically called, due to the decline in the price of the Underlying and the shorter time remaining
for the price to recover to or above the Initial Value on a subsequent Observation Date.&nbsp; As a result, the return on an investment
in the Notes could be less than the return on a direct investment in the Underlying. In addition, if the Notes are not called and the
Final Value is below the Downside Threshold, you will have a loss on your principal amount and the overall return on the Notes may be
less than the amount that would be paid on a conventional debt security of JPMorgan Financial of comparable maturity.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Contingent Repayment of Principal Applies Only If You Hold the Notes to
Maturity </B>&#8212; If you are able to sell your Notes in the secondary market, if any, prior to maturity, you may have to sell them
at a loss relative to your initial investment even if the closing price of one share of the Underlying is above the Downside Threshold.
If by maturity the Notes have not been called, either JPMorgan Financial will repay you the full principal amount per Note, <I>plus</I>
the Contingent Coupon, or, if the Underlying closes below the Downside Threshold on the Final Valuation Date, JPMorgan Financial will
repay less than the principal amount, if anything, at maturity, resulting in a loss on your principal amount that is proportionate to
the decline in the closing price of one share of the Underlying from the Initial Value to the Final Value. This contingent repayment of
principal applies only if you hold your Notes to maturity.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>A Higher Contingent Coupon Rate and/or a Lower Coupon Barrier and/or Downside
Threshold May Reflect Greater Expected Volatility of the Underlying, Which Is Generally Associated with a Greater Risk of Loss</B> &#8212;
Volatility is a measure of the degree of variation in the price of the Underlying over a period of time.&nbsp; The greater the
expected volatility of the Underlying at the time the terms of the Notes are set, the greater the expectation is at that time that the
price of the Underlying could close below the</FONT></TD></TR></TABLE>




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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: 0in">Coupon Barrier on any Observation Date, resulting
in the loss of one or more, or all, Contingent Coupon payments, or below the Downside Threshold on the Final Valuation Date, resulting
in the loss of a significant portion or all of your principal at maturity.&nbsp; In addition, the economic terms of the Notes, including
the Contingent Coupon Rate, the Coupon Barrier and the Downside Threshold, are based, in part, on the expected volatility of the Underlying
at the time the terms of the Notes are set, where a higher expected volatility will generally be reflected in a higher Contingent Coupon
Rate than the fixed rate we would pay on conventional debt securities of the same maturity and/or on otherwise comparable securities and/or
a lower Coupon Barrier and/or a lower Downside Threshold as compared to otherwise comparable securities.&nbsp; Accordingly, a higher Contingent
Coupon Rate will generally be indicative of a greater risk of loss while a lower Coupon Barrier or Downside Threshold does not necessarily
indicate that the Notes have a greater likelihood of paying Contingent Coupon payments or returning your principal at maturity.&nbsp;
You should be willing to accept the downside market risk of the Underlying and the potential loss of a significant portion or all of your
principal at maturity.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Reinvestment Risk </B>&#8212; If your Notes are called early, the holding
period over which you would have the opportunity to receive any Contingent Coupons could be as short as approximately six months. There
is no guarantee that you would be able to reinvest the proceeds from an investment in the Notes at a comparable return and/or with a comparable
interest rate for a similar level of risk in the event the Notes are called prior to the Maturity Date.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 4pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Each Contingent Coupon Is Based Solely on the Closing Price of One Share
of the Underlying on the Applicable Observation Date </B>&#8212; Whether a Contingent Coupon will be payable with respect to an Observation
Date will be based solely on the closing price of one share of the Underlying on that Observation Date. As a result, you will not know
whether you will receive a Contingent Coupon until the related Observation Date. Moreover, because each Contingent Coupon is based solely
on the closing price of one share of the Underlying on the applicable Observation Date, if the closing price of one share of the Underlying
is less than the Coupon Barrier, you will not receive any Contingent Coupon with respect to that Observation Date, even if the closing
price of one share of the Underlying was higher on other days during the period before that Observation Date.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>No Dividend Payments or Voting Rights or Other Ownership Rights in the
Underlying</B> &#8212; As a holder of the Notes, you will not have any ownership interest or rights in the Underlying, such as voting
rights or rights to receive cash dividends or other distributions. In addition, the issuer of the Underlying will not have any obligation
to consider your interests as a holder of the Notes in taking any corporate action that might affect the value of the Underlying and the
Notes.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>No Assurances That the Investment View Implicit in the Notes Will Be Successful</B>
&#8212; While the Notes are structured to provide for Contingent Coupons if the Underlying does not close below the Coupon Barrier on
the Observation Dates, we cannot assure you of the economic environment during the term or at maturity of your Notes.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Lack of Liquidity</B> &#8212; The Notes will not be listed on any securities
exchange. JPMS intends to offer to purchase the Notes in the secondary market, but is not required to do so. Even if there is a secondary
market, it may not provide enough liquidity to allow you to trade or sell the Notes easily. Because other dealers are not likely to make
a secondary market for the Notes, the price at which you may be able to trade your Notes is likely to depend on the price, if any, at
which JPMS is willing to buy the Notes.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Tax Treatment </B>&#8212; Significant aspects of the tax treatment of the
Notes are uncertain. You should consult your tax adviser about your tax situation.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><B>The Final Terms and Valuation of the Notes Will
Be Finalized on the Trade Date and Provided in the Pricing Supplement</B> &#8212; The final terms of the Notes will be based on relevant
market conditions when the terms of the Notes are set and will be finalized on the Trade Date and provided in the pricing supplement.
In particular, each of the estimated value of the Notes and the Contingent Coupon Rate will be finalized on the Trade Date and provided
in the pricing supplement, and each may be as low as the applicable minimum set forth on the cover of this pricing supplement. Accordingly,
you should consider your potential investment in the Notes based on the minimums for the estimated value of the Notes and the Contingent
Coupon Rate.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify; text-indent: 0in"><B>Risks Relating to Conflicts
of Interest</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Potential Conflicts </B>&#8212; We and our affiliates play a variety of
roles in connection with the issuance of the Notes, including acting as calculation agent and hedging our obligations under the Notes
and making the assumptions used to determine the pricing of the Notes and the estimated value of the Notes when the terms of the Notes
are set, which we refer to as the estimated value of the Notes. 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 Notes. 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 Notes and the value of the Notes. It is possible that hedging or trading activities of ours or our
affiliates in connection with the Notes could result in substantial returns for us or our affiliates while the value of the Notes 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. We and/or our affiliates may also currently or from time to time engage in business with the
issuer of the Underlying, including extending loans to, or making equity investments in, the issuer of the Underlying or providing advisory
services to the issuer of the Underlying. As a prospective purchaser of the Notes, you should undertake an independent investigation of
the issuer of the Underlying as in your judgment is appropriate to make an informed decision with respect to an investment in the Notes.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Potentially Inconsistent Research, Opinions or Recommendations by JPMS,
UBS or Their Affiliates</B> &#8212; JPMS, UBS or their affiliates may publish research, express opinions or provide recommendations (for
example, with respect to the issuer of the Underlying) that are inconsistent with investing in or holding the Notes, and that may be revised
at any time. Any such research, opinions or recommendations may or may not recommend that investors buy or hold the Underlying and could
affect the value of the Underlying, and therefore the market value of the Notes.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Potential JPMorgan Financial Impact on the Market Price of the Underlying</B>
&#8212; Trading or transactions by JPMorgan Financial or its affiliates in the Underlying and/or over-the-counter options, futures or
other instruments with returns linked to the performance of the Underlying may adversely affect the market price of the Underlying and,
therefore, the market value of the Notes.</FONT></TD></TR></TABLE>


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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-indent: 0in"><B>Risks Relating to the Estimated Value and Secondary
Market Prices of the Notes</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Estimated Value of the Notes Will Be Lower Than the Original Issue
Price (Price to Public) of the Notes</B> &#8212; The estimated value of the Notes is only an estimate determined by reference to several
factors. The original issue price of the Notes will exceed the estimated value of the Notes because costs associated with selling, structuring
and hedging the Notes are included in the original issue price of the Notes. These costs include the selling commissions, the projected
profits, if any, that our affiliates expect to realize for assuming risks inherent in hedging our obligations under the Notes and the
estimated cost of hedging our obligations under the Notes. See &#8220;The Estimated Value of the Notes&#8221; in this pricing supplement.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Estimated Value of the Notes Does Not Represent Future Values of the
Notes and May Differ from Others&#8217; Estimates</B> &#8212; The estimated value of the Notes is determined by reference to internal
pricing models of our affiliates when the terms of the Notes are set. This estimated value of the Notes is based on market conditions
and other relevant factors existing at that time 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 Notes that are greater than
or less than the estimated value of the Notes. 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 Notes 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 Notes from you in secondary market transactions. See
&#8220;The Estimated Value of the Notes&#8221; in this pricing supplement.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Estimated Value of the Notes Is Derived by Reference to an Internal
Funding Rate</B> &#8212; The internal funding rate used in the determination of the estimated value of the Notes 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 Notes as well as the
higher issuance, operational and ongoing liability management costs of the Notes 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 Notes. The use
of an internal funding rate and any potential changes to that rate may have an adverse effect on the terms of the Notes and any secondary
market prices of the Notes. See &#8220;The Estimated Value of the Notes&#8221; in this pricing supplement.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The Value of the Notes as Published by JPMS (and Which May Be Reflected
on Customer Account Statements) May Be Higher Than the Then-Current Estimated Value of the Notes for a Limited Time Period</B> &#8212;
We generally expect that some of the costs included in the original issue price of the Notes will be partially paid back to you in connection
with any repurchases of your Notes by JPMS in an amount that will decline to zero over an initial predetermined period. These costs can
include selling commissions, 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;Secondary Market Prices of the Notes&#8221; in this pricing supplement
for additional information relating to this initial period. Accordingly, the estimated value of your Notes during this initial period
may be lower than the value of the Notes as published by JPMS (and which may be shown on your customer account statements).</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Secondary Market Prices of the Notes Will Likely Be Lower Than the Original
Issue Price of the Notes</B> &#8212; Any secondary market prices of the Notes will likely be lower than the original issue price of the
Notes 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, projected hedging profits, if any, and estimated
hedging costs that are included in the original issue price of the Notes. As a result, the price, if any, at which JPMS will be willing
to buy Notes 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 Notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: 0in">The Notes are not designed to be short-term
trading instruments. Accordingly, you should be able and willing to hold your Notes to maturity. See &#8220;&#8212; Risks Relating to
the Notes Generally &#8212; Lack of Liquidity&#8221; above.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Many Economic and Market Factors Will Impact the Value of the Notes </B>&#8212;
As described under &#8220;The Estimated Value of the Notes&#8221; in this pricing supplement, the Notes can be thought of as securities
that combine a fixed-income debt component with one or more derivatives. As a result, the factors that influence the values of fixed-income
debt and derivative instruments will also influence the terms of the Notes at issuance and their value in the secondary market. Accordingly,
the secondary market price of the Notes 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, projected hedging profits, if any, estimated hedging costs and the price
of one share of the Underlying, including:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">any
actual or potential change in our or JPMorgan Chase&nbsp;&amp;&nbsp;Co.&#8217;s creditworthiness or credit spreads;</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">customary bid-ask spreads for similarly sized trades;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">our internal secondary market funding rates for structured debt issuances;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the actual and expected volatility in the closing price of one share of the
Underlying;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the time to maturity of the Notes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the likelihood of an automatic call being triggered;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">whether the closing price of one share of the Underlying has been, or is expected
to be, less than the Coupon Barrier on any Observation Date and whether the Final Value is expected to be less than the Downside Threshold;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the dividend rate on the Underlying;</FONT></TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">the occurrence of certain events affecting the Underlying that may or may
not require an adjustment to the closing price and the Stock Adjustment Factor of the Underlying, including a merger or acquisition;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">interest and yield rates in the market generally; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a variety of other economic, financial, political, regulatory and judicial
events.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 0.25in; text-indent: 0in">Additionally, independent pricing vendors
and/or third party broker-dealers may publish a price for the Notes, which may also be reflected on customer account statements. This
price may be different (higher or lower) than the price of the Notes, if any, at which JPMS may be willing to purchase your Notes in the
secondary market.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-indent: 0in"><B>Risks Relating to the Underlying</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 4pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Single Stock Risk</B> &#8212; The price of one share of the Underlying
can rise or fall sharply due to factors specific to the Underlying and its issuer, such as stock price volatility, earnings, financial
conditions, corporate, industry and regulatory developments, management changes and decisions and other events, as well as general market
factors, such as general stock market volatility and levels, interest rates and economic and political conditions. For additional information
regarding the Underlying and its issuer, please see &#8220;The Underlying&#8221; in this pricing supplement and the issuer&#8217;s SEC
filings referred to in that section. We urge you to review financial and other information filed periodically with the SEC by the Underlying
issuer.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>No Affiliation with the Underlying Issuer</B> &#8212; We are not affiliated
with the issuer of the Underlying. We have not independently verified any of the information about the Underlying issuer contained in
this pricing supplement. You should make your own investigation into the Underlying and its issuer. We are not responsible for the Underlying
issuer&#8217;s public disclosure of information, whether contained in SEC filings or otherwise.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">t</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Anti-Dilution Protection Is Limited and May Be Discretionary</B> &#8212;
Although the calculation agent will adjust the closing price and the Stock Adjustment Factor of the Underlying for certain corporate events
(such as stock splits and stock dividends) affecting the Underlying, the calculation agent is not required to make an adjustment for every
corporate event that can affect the Underlying. If an event occurs that does not require the calculation agent to make these adjustments,
the market value of your Notes, whether the Notes will be automatically called and any payment on the Notes may be materially and adversely
affected. You should also be aware that the calculation agent may make any such adjustment, determination or calculation in a manner that
differs from what is described in the accompanying product supplement as it deems necessary to ensure an equitable result. Subject to
the foregoing, the calculation agent is under no obligation to consider your interests as a holder of the Notes in making these determinations.</FONT></TD></TR></TABLE>


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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; color: white; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid"><B>&nbsp;Hypothetical
Examples</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: center"><B>Hypothetical terms only. Actual terms may vary.
See the cover page for actual offering terms.</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">The examples below illustrate the hypothetical payments on a Coupon
Payment Date, upon an automatic call or at maturity under different hypothetical scenarios for a $10.00 Note on an offering of the Notes
linked to a hypothetical Underlying and assume an Initial Value of $100.00, a Downside Threshold and Coupon Barrier of $60.75 (which is
60.75% of the hypothetical Initial Value) and a Contingent Coupon Rate of 9.00%* per annum. The hypothetical Initial Value of $100.00
has been chosen for illustrative purposes only and does not represent the actual Initial Value. The actual Initial Value, Downside Threshold
and Coupon Barrier are based on the closing price of one share of the Underlying on December 17, 2025 and are specified on the cover of
this pricing supplement. For historical data regarding the actual closing prices of one share of the Underlying, please see the historical
information set forth under &#8220;The Underlying&#8221; in this pricing supplement.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 37%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Principal Amount:</FONT></TD>
    <TD STYLE="width: 63%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Term:</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Approximately 3 years (unless earlier called)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hypothetical Initial Value:</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hypothetical Contingent Coupon Rate:</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">9.00%* per annum (or 2.25% per quarter)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Observation Dates:</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Quarterly (callable after six months)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hypothetical Downside Threshold:</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$60.75 (which is 60.75% of the hypothetical Initial Value)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hypothetical Coupon Barrier:</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$60.75 (which is 60.75% of the hypothetical Initial Value)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">*</FONT></TD>
    <TD STYLE="width: 98%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The actual Contingent Coupon Rate will be finalized on the Trade Date and provided in the pricing supplement. The actual value of any Contingent Coupon payments you will receive over the term of the Notes and the actual value of the payment upon automatic call or at maturity applicable to your Notes may be more or less than the amounts displayed in these hypothetical scenarios.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">The examples below are purely hypothetical and are not based on any
specific offering of Notes linked to any specific Underlying. These examples are intended to illustrate how the value of any payment on
the Notes will depend on the closing price of one share of the Underlying on the Observation Dates.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>Example 1 &#8212; Notes Are Automatically Called on the Second Observation
Date</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD>
    <TD STYLE="width: 47%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Closing Price</B></FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Payment (per Note)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">First Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$105.00 (at or above Initial Value; Notes NOT automatically callable because Observation Date is prior to the second Observation Date)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Second Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$110.00 (at or above Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.225 (Payment upon Automatic Call)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="width: 34%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 13%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total Payment:</FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.45 (4.50% return)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Although the closing price is above the Initial Value on the first
Observation Date, the Notes are not called because the Notes cannot be called before the second Observation Date. Because the Notes are
automatically called on the second Observation Date, we will pay you on the applicable Call Settlement Date a total of $10.225 per Note,
reflecting your principal amount <I>plus</I> the applicable Contingent Coupon. When that amount is added to the Contingent Coupon payment
of $0.225 received in respect of the prior Observation Date, we will have paid you a total of $10.45 per Note for a 4.50% total return
on the Notes. No further amounts will be owed on the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>Example 2 &#8212; Notes Are Automatically Called on the Eleventh
Observation Date</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD>
    <TD STYLE="width: 47%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Closing Price</B></FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Payment (per Note)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">First Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$90.00 (at or above Coupon Barrier; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Second Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$80.00 (at or above Coupon Barrier; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Third through Tenth Observation Dates</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Various (all at or above Coupon Barrier; all below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1.80 (Contingent Coupons)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Eleventh Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$105.00 (at or above Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.225 (Payment upon Automatic Call)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="width: 34%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 13%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total Payment:</FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$12.475 (24.75% return)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Because the Notes are automatically called on the eleventh Observation
Date, we will pay you on the applicable Call Settlement Date a total of $10.225 per Note, reflecting your principal amount <I>plus</I>
the applicable Contingent Coupon.&nbsp; When that amount is added to the Contingent Coupon payments of $2.25 received in respect of prior
Observation Dates, we will have paid you a total of $12.475 per Note for a 24.75% total return on the Notes.&nbsp; No further amounts
will be owed on the Notes.</P>


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    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0"><B>Example 3 &#8212; Notes Are NOT Automatically Called <U>and</U>
the Final Value Is at or above the Downside Threshold </B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD>
    <TD STYLE="width: 47%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Closing Price</B></FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Payment (per Note)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">First Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$90.00 (at or above Coupon Barrier; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Second Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$85.00 (at or above Coupon Barrier; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Third through Eleventh Observation Dates</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Various (all below Coupon Barrier)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Final Valuation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$85.00 (at or above Downside Threshold; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.225 (Payment at Maturity)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="width: 34%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 13%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total Payment:</FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.675 (6.75% return)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">At maturity, we will pay you a total of $10.225 per Note, reflecting
your principal amount <I>plus</I> the applicable Contingent Coupon. When that amount is added to the Contingent Coupon payments of $0.45
received in respect of prior Observation Dates, we will have paid you a total of $10.675 per Note for a 6.75% total return on the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0"><B>Example 4 &#8212; Notes Are NOT Automatically Called <U>and</U>
the Final Value Is below the Downside Threshold</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD>
    <TD STYLE="width: 47%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Closing Price</B></FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Payment (per Note)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">First Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$90.00 (at or above Coupon Barrier; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Second Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$85.00 (at or above Coupon Barrier; below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.225 (Contingent Coupon)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Third through Eleventh Observation Dates</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Various (all at or above Coupon Barrier; all below Initial Value)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$2.025 (Contingent Coupons)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Final Valuation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$40.00 (below Downside Threshold)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.00 &times; (1 + Underlying Return) =<BR>
$10.00 &times; (1 + -60%) =<BR>
$10.00 &times; 40% =<BR>
$4.00 (Payment at Maturity)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="width: 34%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 13%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total Payment:</FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$6.475 (-35.25% return)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0">Because the Notes are not automatically called, the Final Value of
$40.00 is below the Downside Threshold and the Underlying Return is &#45;60%, at maturity we will pay you $4.00 per Note. When that amount
is added to the Contingent Coupon payments of $2.475 received in respect of prior Observation Dates, we will have paid you $6.475 per
Note for a loss on the Notes of 35.25%.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><B>Example 5 &#8212; Notes Are NOT Automatically Called <U>and</U>
the Final Value Is below the Downside Threshold </B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD>
    <TD STYLE="width: 47%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Closing Price</B></FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Payment (per Note)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">First Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$45.00 (below Coupon Barrier)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Second Observation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$40.00 (below Coupon Barrier)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Third through Eleventh Observation Dates</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Various (all below Coupon Barrier)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Final Valuation Date</FONT></TD>
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$30.00 (below Downside Threshold)</FONT></TD>
    <TD STYLE="padding-left: 3pt; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$10.00 &times; (1 + Underlying Return) =<BR>
$10.00 &times; (1 + -70%) =<BR>
$10.00 &times; 30% =<BR>
$3.00 (Payment at Maturity)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="width: 34%; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 13%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total Payment:</FONT></TD>
    <TD STYLE="padding-left: 3pt; width: 31%; padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$3.00 (-70.00% return)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0">Because the Notes are not automatically called, the Final Value is below
the Downside Threshold and the Underlying Return is -70%, at maturity we will pay you $3.00 per Note for a loss on the Notes of 70.00%.
Because there is no Contingent Coupon paid during the term of the Notes, that represents the total payment on the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">The hypothetical returns and hypothetical payments on the Notes shown
above <B>apply only if you hold the Notes for their entire term or until automatically called</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>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;The
Underlying</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">According to its publicly available filings with the SEC, Citigroup Inc.,
which we refer to as Citigroup, is a financial services holding company whose businesses provide consumers, corporations, governments
and institutions with a range of financial products and services, including consumer banking and credit, corporate and investment banking,
securities brokerage, trade and securities services and wealth management. The common stock of Citigroup, par value $0.01 per share (Bloomberg
ticker: C), is listed on the New York Stock Exchange, which we refer to as the relevant exchange for purposes of Citigroup in the accompanying
product supplement. Citigroup&#8217;s SEC file number is 001-09924.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><B>Historical Information</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 4pt 0">The graph below illustrates the daily performance of the Underlying from
January 2, 2015 through December 17, 2025, based on information from the Bloomberg Professional<SUP>&reg;</SUP> service (&#8220;Bloomberg&#8221;),
without independent verification. The closing price of one share of the Underlying on December 17, 2025 was $111.46. We obtained the closing
prices above and below from Bloomberg, without independent verification. The closing prices may have been adjusted by Bloomberg for corporate
actions such as stock splits, public offerings, mergers and acquisitions, spin-offs, delistings and bankruptcy.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 4pt 0">Since its inception, the price of one share of the Underlying has experienced
significant fluctuations. The historical performance of the Underlying should not be taken as an indication of future performance, and
no assurance can be given as to the closing prices of one share of the Underlying during the term of the Notes.&nbsp; There can be no
assurance that the performance of the Underlying will result in the return of any of your principal amount or the payment of any Contingent
Coupon.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 4pt 0">The dotted line represents the Downside Threshold and Coupon Barrier
of $67.71, equal to 60.75% of the closing price of one share of the Underlying on December 17, 2025.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><B><I>Past performance of the Underlying is not indicative of the future
performance of the Underlying.</I></B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 6pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 326px; width: 616px"></FONT></P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Supplemental
Plan of Distribution</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">We and JPMorgan Chase&nbsp;&amp;&nbsp;Co. have agreed to indemnify
UBS and JPMS against liabilities under the Securities Act of 1933, as amended, or to contribute to payments that UBS may be required to
make relating to these liabilities as described in the prospectus supplement and the prospectus. We will agree that UBS may sell all or
a part of the Notes that it purchases from us to the public or its affiliates at the price to public indicated on the cover hereof.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Subject to regulatory constraints, JPMS intends to offer to purchase
the Notes in the secondary market, but it is not required to do so.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">We or our affiliates 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 Notes, 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;Supplemental
Use of Proceeds&#8221; in this pricing supplement and &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;The
Estimated Value of the Notes</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">The estimated value of the Notes set forth on the cover of this pricing
supplement 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 Notes, valued using the internal funding rate</P>


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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">described below, and (2) the derivative or derivatives underlying the
economic terms of the Notes. The estimated value of the Notes does not represent a minimum price at which JPMS would be willing to buy
your Notes in any secondary market (if any exists) at any time. The internal funding rate used in the determination of the estimated value
of the Notes 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 values of the Notes as well as the higher issuance, operational and ongoing liability management costs of the Notes 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 Notes. The use of an internal funding rate and any potential changes to that rate may have an adverse effect on the
terms of the Notes and any secondary market prices of the Notes. For additional information, see &#8220;Key Risks &#8212; Risks Relating
to the Estimated Value and Secondary Market Prices of the Notes &#8212; The Estimated Value of the Notes Is Derived by Reference to an
Internal Funding Rate&#8221; in this pricing supplement. The value of the derivative or derivatives underlying the economic terms of the
Notes 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 Notes is determined when the terms of the Notes are set based on market conditions and other relevant factors
and assumptions existing at that time. See &#8220;Key Risks &#8212; Risks Relating to the Estimated Value and Secondary Market Prices
of the Notes &#8212; The Estimated Value of the Notes Does Not Represent Future Values of the Notes and May Differ from Others&#8217;
Estimates&#8221; in this pricing supplement.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">The estimated value of the Notes will be lower than the original issue
price of the Notes because costs associated with selling, structuring and hedging the Notes are included in the original issue price of
the Notes. These costs include the selling commissions paid to UBS, the projected profits, if any, that our affiliates expect to realize
for assuming risks inherent in hedging our obligations under the Notes and the estimated cost of hedging our obligations under the Notes.
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. We or one or more of our affiliates will retain any profits realized in
hedging our obligations under the Notes. See &#8220;Key Risks &#8212; Risks Relating to the Estimated Value and Secondary Market Prices
of the Notes &#8212; The Estimated Value of the Notes Will Be Lower Than the Original Issue Price (Price to Public) of the Notes&#8221;
in this pricing supplement.</P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Secondary
Market Prices of the Notes</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0">For information about factors that will impact any secondary market prices
of the Notes, see &#8220;Key Risks &#8212; Risks Relating to the Estimated Value and Secondary Market Prices of the Notes &#8212; Secondary
Market Prices of the Notes Will Be Impacted by Many Economic and Market Factors&#8221; in this pricing supplement. In addition, we generally
expect that some of the costs included in the original issue price of the Notes will be partially paid back to you in connection with
any repurchases of your Notes by JPMS in an amount that will decline to zero over an initial predetermined period that is intended to
be up to eight months. The length of any such initial period reflects secondary market volumes for the Notes, the structure of the Notes,
whether our affiliates expect to earn a profit in connection with our hedging activities, the estimated costs of hedging the Notes and
when these costs are incurred, as determined by our affiliates. See &#8220;Key Risks &#8212; Risks Relating to the Estimated Value and
Secondary Market Prices of the Notes &#8212; The Value of the Notes as Published by JPMS (and Which May Be Reflected on Customer Account
Statements) May Be Higher Than the Then-Current Estimated Value of the Notes for a Limited Time Period&#8221; in this pricing supplement.</P>

<P STYLE="color: white; font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #788D41; border-top: #788D41 3pt solid; border-bottom: #788D41 3pt solid">&nbsp;Supplemental
Use of Proceeds</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">The Notes are offered to meet investor demand for products that reflect
the risk-return profile and market exposure provided by the Notes. See &#8220;Hypothetical Examples&#8221; in this pricing supplement
for an illustration of the risk-return profile of the Notes and &#8220;The Underlying&#8221; in this pricing supplement for a description
of the market exposure provided by the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 12pt">The original issue price of the Notes is equal to the estimated
value of the Notes plus the selling commissions paid to UBS, plus (minus) the projected profits (losses) that our affiliates expect to
realize for assuming risks inherent in hedging our obligations under the Notes, plus the estimated cost of hedging our obligations under
the Notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 12pt"></P>

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