<SEC-DOCUMENT>0001839882-25-071793.txt : 20251219
<SEC-HEADER>0001839882-25-071793.hdr.sgml : 20251219
<ACCEPTANCE-DATETIME>20251218204034
ACCESSION NUMBER:		0001839882-25-071793
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20251219
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:		251584740

	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:		251584741

	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>jpm_424b2-42206.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
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            <DIV style="width: 583.22pt; padding: 19.80pt 51.48pt 0 38.50pt; min-height: 79.20pt; position: relative; ">
                <P style="text-align: center; line-height: 10.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #FF0000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The information in this preliminary pricing supplement is not complete and may be changed. This preliminary pricing supplement is not an offer to sell nor does it seek an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.</font><BR><font style='white-space: pre-wrap;'>Subject to completion dated December 18, 2025 </font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 12.25pt; padding-left: 5.94pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December&#160;&#160;&#160;&#160;&#160;, 2025</font></FONT></P>
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                            <P style="text-align: right; margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 12.25pt; padding-left: 5.94pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-270004 and 333-270004-01; Rule 424(b)(2)</font></FONT></P>
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            <DIV style="width: 583.22pt; padding: 10pt 51.48pt 10pt 38.50pt; position: relative; margin-bottom: 20pt; ">
            	<DIV STYLE="border-bottom: #54301a 2pt solid; background-color: #DDDDDD; padding: 6pt 12pt 0pt 6pt; width: 100%">
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-weight: normal; font-style: normal; color: #595959; font-size: 14.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>JPMorgan</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: #404040; "></FONT><FONT style="font-weight: normal; font-style: normal; color: #595959; font-size: 14.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Chase Financial Company LLC</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR></FONT><FONT style="font-weight: normal; font-style: normal; color: #595959; font-size: 14.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Structured Investments </font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 22.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #54301A; font-size: 20pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 22.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #54301A; font-size: 20pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 22.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #54301A; font-size: 20pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 22.0pt; "><font style='white-space: pre-wrap;'> Index due December 29, 2028</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-weight: normal; font-style: normal; color: #54301A; font-size: 14.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by JPMorgan Chase &amp; Co.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 12.25pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are designed for investors who seek an uncapped return of at least 1.95 times any appreciation of the least performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; color: #262626; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; color: #262626; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; color: #262626; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, which we refer to as the Indices, at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 12.25pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investors should be willing to forgo interest and dividend payments and be willing to lose some or all of their principal amount at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 10.0pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are unsecured and unsubordinated obligations of JPMorgan Chase Financial Company LLC, which we refer to as JPMorgan Financial, the payment on which is fully and unconditionally guaranteed by JPMorgan Chase &amp; Co. </font></FONT><FONT style="font-weight: bold; color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Any payment on the notes is subject to the credit risk of JPMorgan Financial, as issuer of the notes, and the credit risk of JPMorgan Chase &amp; Co., as guarantor of the notes.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 10.0pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the notes are not linked to a basket composed of the Indices. Payments on the notes are linked to the performance of each of the Indices individually, as described below.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 10.0pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Minimum denominations of $1,000 and integral multiples thereof</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 10.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are expected to price on or about </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.0pt; color: #262626; "><font style='white-space: pre-wrap;'>December 23, 2025</font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and are expected to settle on or about December 29, 2025.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 1.2; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>CUSIP: </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>48136MLS4</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 0.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                </DIV>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 5.94pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investing in the notes involves a number of risks. See &#8220;Risk Factors&#8221; beginning on page S-2 of the accompanying prospectus supplement, Annex A to the accompanying prospectus addendum, &#8220;Risk Factors&#8221; beginning on page PS-11 of the accompanying product supplement and &#8220;Selected Risk Considerations&#8221; beginning on page PS-3 of this pricing supplement.</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 5.94pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 product supplement, underlying supplement, prospectus supplement, prospectus and prospectus addendum. Any representation to the contrary is a criminal offense.</font></FONT></P>
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                        <TD width="180.40pt" style="width: 180.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="111.81pt" style="width: 111.81pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.49pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Price to Public (1)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fees and Commissions (2)</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Proceeds to Issuer</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.49pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Per note</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.49pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #6D6E71; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #6D6E71; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #6D6E71; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #6D6E71; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #000000; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(1) 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></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(2) J.P. Morgan Securities LLC, which we refer to as JPMS, acting as agent for JPMorgan Financial, will pay all of the selling commissions it receives from us to other affiliated or unaffiliated dealers. In no event will these selling commissions exceed $9.50 per $1,000 principal amount note. See &#8220;Plan of Distribution (Conflicts of Interest)&#8221; in the accompanying product supplement.</font></FONT></P>
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                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 5.94pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the notes priced today, the estimated value of the notes would be approximately $975.80 per $1,000 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 $900.00 per $1,000 principal amount note. See &#8220;The Estimated Value of the Notes&#8221; in this pricing supplement for additional information.</font></FONT></P>
                <P style="text-align: justify; line-height: 12.25pt; padding-left: 5.94pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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.</font></FONT></P>

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            <DIV style="width: 583.22pt; padding: 0 51.48pt 10.00pt 38.50pt; min-height: 4.95pt; position: relative; ">
                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Pricing supplement to product supplement no. 4-I dated April 13, 2023, underlying supplement no. 1-I dated April 13, 2023, the prospectus and prospectus supplement, each dated April 13, 2023, and the prospectus addendum dated June 3, 2024</font></FONT></P>
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                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Key Terms</font></FONT></P>
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                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>JPMorgan Chase Financial Company LLC, a direct, wholly owned finance subsidiary of JPMorgan Chase &amp; Co.</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>JPMorgan Chase &amp; Co.</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Indices:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #000000; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (Bloomberg ticker: INDU), the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #000000; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (Bloomberg ticker: NDX) and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #000000; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index (Bloomberg ticker: RTY) (each an &#8220;Index&#8221; and collectively, the &#8220;Indices&#8221;)</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Upside Leverage Factor:</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>At least 1.95 (to be provided in the pricing supplement)</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Barrier Amount:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> With respect to each Index, 70.00% of its Initial Value</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pricing Date:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On or about December 23, 2025</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Original Issue Date (Settlement Date):</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On or about December 29, 2025</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Observation Date*:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 26, 2028</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity Date*:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 29, 2028</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>* 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 Multiple Underlyings&#8221; and &#8220;General Terms of Notes &#8212; Postponement of a Payment Date&#8221; in the accompanying product supplement </font></FONT></P>
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                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity:</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value of each Index is greater than its Initial Value, your payment at maturity per $1,000 principal amount note will be calculated as follows:</font></FONT></P>
                            <P style="text-align: center; margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; Least Performing Index Return &#215; Upside Leverage Factor)</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value of one or more Indices is equal to or less than its </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Value but the Final Value of each Index is greater than or equal to its Barrier Amount, you will receive the principal amount of your notes at maturity.</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value of any Index is less than its Barrier Amount, y</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>our payment at maturity </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per $1,000 principal amount note will be calculated as follows:</font></FONT></P>
                            <P style="text-align: center; margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> + (</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#215; Least Performing </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Return)</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; font-weight: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>of any Index </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>is less than its Barrier Amount, you will lose more than 30.00% of your principal amount at maturity and could lose all of your principal amount at maturity.</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Least Performing Index:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Index with the Least Performing Index Return</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Least Performing Index Return:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The lowest of the Index Returns of the Indices</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index Return:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> With respect to each Index,</font></FONT></P>
                            <P style="text-align: center; margin-bottom: 4.4pt; margin-top: 0; "><FONT style="text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>(Final Value &#8211; Initial Value)</font></U></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><BR></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial Value</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial Value:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> With respect to each Index, the</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> closing level of that Index on the Pricing Date</font></FONT></P>
                            <P style="margin-bottom: 4.4pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final Value:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> With respect to each Index, the</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> closing level of that Index on the Observation Date</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>1</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Supplemental Terms of the Notes</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Any value of any underlier, 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.</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Hypothetical Payout Profile</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following table and graph illustrate the hypothetical total return and payment at maturity on the notes linked to three hypothetical Indices. The &#8220;total return&#8221; as used in this pricing supplement is the number, expressed as a percentage, that results from comparing the payment at maturity per $1,000 principal amount note to $1,000. The hypothetical total returns and payments set forth below assume the following: </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 12.25pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>an</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.0pt; color: #262626; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.0pt; color: #262626; "><font style='white-space: pre-wrap;'> Value</font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> for the Least Performing Index</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.0pt; color: #262626; "><font style='white-space: pre-wrap;'> of 100.00;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 12.25pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.0pt; color: #262626; "><font style='white-space: pre-wrap;'>an Upside Leverage Factor of </font></FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.95; and</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 12.25pt; margin-left: 39.27pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #262626; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #262626; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a Barrier Amount for the Least Performing Index of 70.00 (equal to 70.00% of its hypothetical Initial Value).</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The hypothetical Initial Value of the Least Performing Index of 100.00 has been chosen for illustrative purposes only and may not represent a likely actual Initial Value of any Index. The actual Initial Value of each Index will be the closing level of that Index on the Pricing Date and will be provided in the pricing supplement. For historical data regarding the actual closing levels of each Index, please see the historical information set forth under &#8220;The Indices&#8221; in this pricing supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Each hypothetical total return or hypothetical payment at maturity set forth below is for illustrative purposes only and may not be the actual total return or payment at maturity applicable to a purchaser of the notes. The numbers appearing in the following table and graph have been rounded for ease of analysis.</font></FONT></P>
                <TABLE width="86.00%" style="margin-left: 36.85pt; width: 86.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="27.50%" style="width: 27.50%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.26%" style="width: 0.26%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="27.24%" style="width: 27.24%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.02%" style="width: 0.02%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="27.24%" style="width: 27.24%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.24%" style="width: 0.24%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.02%" style="width: 0.02%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.22%" style="width: 0.22%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="27.26%" style="width: 27.26%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.02%" style="width: 0.02%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00%" style="width: 0.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #000000; border-top:  0.75pt solid #BFBFBF; border-left:  0.75pt solid #BFBFBF; border-right:  0.75pt solid #BFBFBF; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final Value of the Least Performing Index </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #000000; border-top:  0.75pt solid #BFBFBF; border-right:  0.75pt solid #BFBFBF; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Least Performing Index Return</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #000000; border-top:  0.75pt solid #BFBFBF; border-right:  0.75pt solid #BFBFBF; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Total Return on the Notes</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #000000; border-top:  0.75pt solid #BFBFBF; border-right:  0.75pt solid #BFBFBF; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #595959; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>180.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>80.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>156.00%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$2,560.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>170.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>70.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>136.50%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$2,365.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>160.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>60.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>117.00%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$2,170.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>150.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>50.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>97.50%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,975.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>140.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>40.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>78.00%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,780.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>130.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>30.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>58.50%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,585.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>120.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>20.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>39.00%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,390.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>110.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>10.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>19.50%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,195.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>105.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>5.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>9.75%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,097.50</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>101.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.95%</font></FONT></P>
                        </TD>
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,019.50</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.38pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>95.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-5.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.38pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-10.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.38pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>85.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-15.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.38pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>80.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.20pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>70.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; background-color: #BFBFBF; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 14.85pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>69.99</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-30.01%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-30.01%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$699.90</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>60.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$600.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>50.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-50.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-50.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$500.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>40.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$400.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>30.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-70.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-70.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$300.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>20.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$200.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>10.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-90.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-90.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$100.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 14.03pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.35pt; padding-right: 5.35pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #000000; border-top:  1.00pt solid #000000; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0.00</font></FONT></P>
                        </TD>
                        <TD colspan="2">
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 593.78pt; padding: 0 39.71pt 29.70pt 39.71pt; min-height: 0.00pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: 0.0pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="54.87%" style="width: 54.87%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="55.13%" style="width: 55.13%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #000000; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>2</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                        </TD>
                        <TD rowspan="2" style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #000000; ">
                            <P style="margin-top: 11.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><FONT style="width: 147.68pt; height: 40.43pt; ">                                        <IMG width="147.68pt" height="40.43pt" src="image6.gif" style="width: 147.68pt; height: 40.43pt; ">
                                        </FONT></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 593.78pt; padding: 10.00pt 39.71pt 0 39.71pt; min-height: 24.70pt; position: relative; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
            </DIV>
            <DIV style="width: 593.78pt; padding: 10pt 39.71pt 10pt 39.71pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph demonstrates the hypothetical payments at maturity on the notes for a sub-set of Least Performing Index Returns detailed in the table above (-50% to 50%). There can be no assurance that the performance of the Least Performing Index will result in the return of any of your principal amount.</font></FONT></P>
                <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><FONT style="width: 391.88pt; height: 247.50pt; ">                            <IMG width="391.88pt" height="247.50pt" src="image2.jpg" style="width: 391.88pt; height: 247.50pt; ">
                            </FONT></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>How the Notes Work</font></FONT></P>
                <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Upside Scenario:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value of each Index is greater than its Initial Value, investors will receive at maturity the $1,000 principal amount </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> a return equal to the Least Performing Index Return </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>times</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the Upside Leverage Factor of at least 1.95.</font></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Assuming a hypothetical Upside Leverage Factor of 1.95, if the closing level of the Least Performing Index increases 10.00%, investors will receive at maturity a return of 19.50%, or $1,195.00 per $1,000 principal amount note.</font></FONT></FONT></P>
                <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Par Scenario:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value of one or more Indices is equal to or is less than its Initial Value but the Final Value of each Index is greater than or equal to its Barrier Amount of 70.00% of its Initial Value, investors will receive at maturity the principal amount of their notes.</font></FONT></P>
                <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Downside Scenario:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Value of any Index is less than its Barrier Amount of 70.00% of its Initial Value, investors will lose 1% of the principal amount of their notes for every 1% that the Final Value of the Least Performing Index is less than its Initial Value.</font></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For example, if the closing level of the Least Performing Index declines 60.00%, investors will lose 60.00% of their principal amount and receive only $400.00 per $1,000 principal amount note at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The hypothetical returns and hypothetical payments on the notes shown above apply </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>only if you hold the notes for their entire term.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> These hypotheticals do not reflect the 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.</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Selected Risk Considerations</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>An investment in the notes involves significant risks. These risks are explained in more detail in the &#8220;Risk Factors&#8221; sections of the accompanying prospectus supplement and product supplement and in Annex A to the accompanying prospectus addendum.</font></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>YOUR INVESTMENT IN THE NOTES MAY RESULT IN A LOSS &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>The notes do not guarantee any return of principal. If the Final Value of any Index is less than its Barrier Amount, you will lose 1% of the principal amount of your notes for every 1% that the Final Value of the Least Performing Index is less than its Initial Value. Accordingly, under these circumstances, you will lose more than </font></FONT><FONT style="color: #404040; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>30.00%</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> of your principal amount at maturity and could lose all of your principal amount at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>CREDIT RISKS OF JPMORGAN FINANCIAL AND JPMORGAN CHASE &amp; CO. &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>Investors are dependent on our and JPMorgan Chase &amp; Co.&#8217;s ability to pay all amounts due on the notes. Any actual or potential change in our or JPMorgan Chase &amp; Co.&#8217;s creditworthiness or credit spreads, as determined by the market for taking that credit risk, is likely to adversely affect the value of the notes. If we and JPMorgan Chase &amp; Co. were to default on our payment obligations, you may not receive any amounts owed to you under the notes and you could lose your entire investment.</font></FONT></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>3</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
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                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>AS A FINANCE SUBSIDIARY, JPMORGAN FINANCIAL HAS NO INDEPENDENT OPERATIONS AND HAS LIMITED ASSETS &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font><BR><font style='white-space: pre-wrap;'>As a finance subsidiary of JPMorgan Chase &amp; 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 &amp; Co., substantially all of our assets relate to obligations of JPMorgan Chase &amp; Co. to make payments under loans made by us to JPMorgan Chase &amp; Co. or under other intercompany agreements. As a result, we are dependent upon payments from JPMorgan Chase &amp; Co. to meet our obligations under the notes. We are not a key operating subsidiary of JPMorgan Chase &amp; Co. and in a bankruptcy or resolution of JPMorgan Chase &amp; 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 &amp; 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 &amp; Co., and that guarantee will rank </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> with all other unsecured and unsubordinated obligations of JPMorgan Chase &amp; Co. For more information, see the accompanying prospectus addendum.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE BENEFIT PROVIDED BY THE BARRIER AMOUNT MAY TERMINATE ON THE OBSERVATION DATE</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8212;</font><BR><font style='white-space: pre-wrap;'>If the Final Value of any Index is less than its Barrier Amount, the benefit provided by the Barrier Amount will terminate and you will be fully exposed to any depreciation of the Least Performing Index.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>POTENTIAL CONFLICTS</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>We and our affiliates play a variety of roles in connection with the notes. In performing these duties, our and JPMorgan Chase &amp; Co.&#8217;s economic interests are potentially adverse to your interests as an investor in 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.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE NOTES DO NOT PAY INTEREST.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>YOU WILL NOT RECEIVE DIVIDENDS ON THE SECURITIES INCLUDED IN ANY INDEX OR HAVE ANY RIGHTS WITH RESPECT TO THOSE SECURITIES.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE RISK OF THE CLOSING LEVEL OF AN INDEX FALLING BELOW ITS BARRIER AMOUNT IS GREATER IF THE LEVEL OF THAT INDEX IS VOLATILE. </font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>JPMORGAN CHASE &amp; CO. IS CURRENTLY ONE OF THE COMPANIES THAT MAKE UP THE DOW JONES INDUSTRIAL AVERAGE</font></FONT><FONT style="font-weight: bold; vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,   </font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>but JPMorgan Chase &amp; Co. will not have any obligation to consider your interests in taking any corporate action that might affect the level of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>AN INVESTMENT IN THE NOTES IS SUBJECT TO RISKS ASSOCIATED WITH SMALL CAPITALIZATION STOCKS WITH RESPECT TO THE RUSSELL 2000</font></FONT><FONT style="font-weight: bold; vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> INDEX &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>Small capitalization companies may be less able to withstand adverse economic, market, trade and competitive conditions relative to larger companies. Small capitalization companies are less likely to pay dividends on their stocks, and the presence of a dividend payment could be a factor that limits downward stock price pressure under adverse market conditions.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NON-U.S. SECURITIES RISK WITH RESPECT TO THE NASDAQ-100 INDEX</font></FONT><FONT style="font-weight: bold; vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>The non-U.S. equity securities included in the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> have been issued by non-U.S. companies. Investments in securities linked to the value of such non-U.S. equity securities involve risks associated with the home countries and/or the securities markets in the home countries of the issuers of those non-U.S. equity securities. Also, with respect to equity securities that are not listed in the U.S., there is generally less publicly available information about companies in some of these jurisdictions than there is about U.S. companies that are subject to the reporting requirements of the SEC.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>YOU ARE EXPOSED TO THE RISK OF DECLINE IN THE LEVEL OF EACH INDEX &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>Payments on the notes are not linked to a basket composed of the Indices and are contingent upon the performance of each individual Index. Poor performance by any of the Indices over the term of the notes may negatively affect your payment at maturity and will not be offset or mitigated by positive performance by any other Index.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>YOUR PAYMENT AT MATURITY WILL BE DETERMINED BY THE LEAST PERFORMING INDEX.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>LACK OF LIQUIDITY &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>The notes will not be listed on any securities exchange. Accordingly, 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. You may not be able to sell your notes. The notes are not designed to be short-term trading instruments. Accordingly, you should be able and willing to hold your notes to maturity.</font></FONT></FONT></P>

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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>4</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
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            <DIV style="width: 593.78pt; padding: 10pt 39.71pt 10pt 39.71pt; position: relative; margin-bottom: 20pt; ">
            	<P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE FINAL TERMS AND VALUATION OF THE NOTES WILL BE PROVIDED IN THE PRICING SUPPLEMENT &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>You should consider your potential investment in the notes based on the minimums for the estimated value of the notes and the Upside Leverage Factor.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE TAX DISCLOSURE IS SUBJECT TO CONFIRMATION &#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>The information set forth under &#8220;Tax Treatment&#8221; in this pricing supplement remains subject to confirmation by our special tax counsel following the pricing of the notes. If that information cannot be confirmed by our tax counsel, you may be asked to accept revisions to that information in connection with your purchase. Under these circumstances, if you decline to accept revisions to that information, your purchase of the notes will be canceled.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE ESTIMATED VALUE OF THE NOTES WILL BE LOWER THAN THE ORIGINAL ISSUE PRICE (PRICE TO PUBLIC) OF THE NOTES &#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>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></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE ESTIMATED VALUE OF THE NOTES DOES NOT REPRESENT FUTURE VALUES OF THE NOTES AND MAY DIFFER FROM OTHERS&#8217; ESTIMATES &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>See &#8220;The Estimated Value of the Notes&#8221; in this pricing supplement.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE ESTIMATED VALUE OF THE NOTES IS DERIVED BY REFERENCE TO AN INTERNAL FUNDING RATE &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>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 &amp; 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 &amp; 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></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 &#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>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. 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></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SECONDARY MARKET PRICES OF THE NOTES WILL LIKELY BE LOWER THAN THE ORIGINAL ISSUE PRICE OF THE NOTES &#8212;  </font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>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 the 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.</font></FONT></FONT></P>
                <P style="margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 9.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SECONDARY MARKET PRICES OF THE NOTES WILL BE IMPACTED BY MANY ECONOMIC AND MARKET FACTORS &#8212;  </font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><BR><font style='white-space: pre-wrap;'>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 levels of the Indices. 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. See &#8220;Risk Factors &#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 the accompanying product supplement.</font></FONT></FONT></P>


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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>5</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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            <DIV style="width: 593.78pt; padding: 10.00pt 39.71pt 0 39.71pt; min-height: 24.70pt; position: relative; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
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            	<P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>The Indices</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> consists of 30 common stocks chosen as representative of the broad market of U.S. industry. For additional information about the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, see &#8220;Equity Index Descriptions &#8212; The Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; in the accompanying underlying supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is a modified market capitalization-weighted index of 100 of the largest non-financial securities listed on The Nasdaq Stock Market based on market capitalization. For additional information about the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, see &#8220;Equity Index Descriptions &#8212; The Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; in the accompanying underlying supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index consists of the middle 2,000 companies included in the Russell 3000E</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>TM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index and, as a result of the index calculation methodology, consists of the smallest 2,000 companies included in the Russell 3000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. The Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is designed to track the performance of the small capitalization segment of the U.S. equity market. For additional information about the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see &#8220;Equity Index Descriptions &#8212; The Russell Indices&#8221; in the accompanying underlying supplement.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 0.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 4.4pt; line-height: 9.5pt; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #54301A; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Historical Information</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graphs set forth the historical performance of each Index based on the weekly historical closing levels from January 3, 2020 through December 12, 2025. The closing level of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> on December 17, 2025 was 47,885.97. The closing level of the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> on December 17, 2025 was 24,647.61. The closing level of the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index on December 17, 2025 was 2,492.295. We obtained the closing levels above and below from the Bloomberg Professional</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #404040; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> service (&#8220;Bloomberg&#8221;), without independent verification. </font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The historical closing levels of each Index should not be taken as an indication of future performance, and no assurance can be given as to the closing level of any Index on the Pricing Date or the Observation Date. There can be no assurance that the performance of the Indices will result in the return of any of your principal amount. </font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><FONT style="width: 420.75pt; height: 298.65pt; ">                            <IMG width="420.75pt" height="298.65pt" src="image3.gif" style="width: 420.75pt; height: 298.65pt; ">
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>6</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><FONT style="width: 410.85pt; height: 290.40pt; ">                            <IMG width="410.85pt" height="290.40pt" src="image4.gif" style="width: 410.85pt; height: 290.40pt; ">
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><FONT style="width: 404.25pt; height: 287.10pt; ">                            <IMG width="404.25pt" height="287.10pt" src="image5.gif" style="width: 404.25pt; height: 287.10pt; ">
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>7</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 593.78pt; padding: 10.00pt 39.71pt 0 39.71pt; min-height: 24.70pt; position: relative; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
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            <DIV style="width: 593.78pt; padding: 10pt 39.71pt 10pt 39.71pt; position: relative; margin-bottom: 20pt; ">
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 17.6pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Tax Treatment </font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should review carefully the section entitled &#8220;Material U.S. Federal Income Tax Consequences&#8221; in the accompanying product supplement no. 4-I.  We expect to ask our special tax counsel to provide an opinion substantially consistent with the following discussion at pricing.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Based on current market conditions, it is reasonable to treat the notes as &#8220;open transactions&#8221; that are not debt instruments for U.S. federal income tax purposes, as more fully described in &#8220;Material U.S. Federal Income Tax Consequences &#8212; Tax Consequences to U.S. Holders &#8212; Notes Treated as Open Transactions That Are Not Debt Instruments&#8221; in the accompanying product supplement.  Assuming this treatment is respected, the gain or loss on your notes should be treated as long-term capital gain or loss if you hold your notes for more than a year, whether or not you are an initial purchaser of notes at the issue price.  However, the IRS or a court may not respect this treatment, in which case the timing and character of any income or loss on the notes could be materially and adversely 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; the relevance of factors such as the nature of the underlying property to which the instruments are linked; the degree, if any, to which income (including any mandated accruals) realized by non-U.S. investors should be subject to withholding tax; and whether these instruments are or should be subject to the &#8220;constructive ownership&#8221; regime, which very generally can operate to recharacterize certain long-term capital gain as ordinary income and impose a notional interest charge.  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 and adversely affect the tax consequences of an investment in the notes, possibly with retroactive effect.  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 this notice.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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.</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>The Estimated Value of the Notes</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 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 &amp; 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 &amp; 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;Selected Risk Considerations &#8212; The Estimated Value of the Notes Is Derived by Reference to an Internal Funding Rate&#8221; in this pricing supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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.</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>8</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                            <P style="margin-top: 11.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><FONT style="width: 147.68pt; height: 40.43pt; ">                                        <IMG width="147.68pt" height="40.43pt" src="image6.gif" style="width: 147.68pt; height: 40.43pt; ">
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; ">&nbsp;</FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 593.78pt; padding: 10.00pt 39.71pt 0 39.71pt; min-height: 24.70pt; position: relative; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
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            <DIV style="width: 593.78pt; padding: 10pt 39.71pt 10pt 39.71pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the notes does not represent future values of the notes and may differ from others&#8217; estimates. 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 &amp; 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.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 JPMS and other affiliated or unaffiliated dealers, 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. A portion of the profits, if any, realized in hedging our obligations under the notes may be allowed to other affiliated or unaffiliated dealers, and we or one or more of our affiliates will retain any remaining hedging profits. See &#8220;Selected Risk Considerations &#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.</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Secondary Market Prices of the Notes</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For information about factors that will impact any secondary market prices of the notes, see &#8220;Risk Factors &#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 the accompanying product 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. 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. This initial predetermined time period is intended to be the shorter of six months and one-half of the stated term of the notes. The length of any such initial period reflects 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;Selected Risk Considerations &#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.</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Supplemental Use of Proceeds</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 Payout Profile&#8221; and &#8220;How the Notes Work&#8221; in this pricing supplement for an illustration of the risk-return profile of the notes and &#8220;The Indices&#8221; in this pricing supplement for a description of the market exposure provided by the notes.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The original issue price of the notes is equal to the estimated value of the notes plus the selling commissions paid to JPMS and other affiliated or unaffiliated dealers, 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.</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #54301A; margin-top: 8.8pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #4E8ABE; "><font style='white-space: pre-wrap;'>Additional Terms Specific to the Notes</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 applicable 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.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 and the accompanying underlying supplement. 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. 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. We urge you to consult your investment, legal, tax, accounting and other advisers before you invest in the notes.</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>9</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 593.78pt; padding: 10.00pt 39.71pt 0 39.71pt; min-height: 24.70pt; position: relative; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "></FONT></P>
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            <DIV style="width: 593.78pt; padding: 10pt 39.71pt 10pt 39.71pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: justify; margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 12.25pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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):</font></FONT></P>
                <P style="margin-bottom: 13.2pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Product supplement no. 4-I dated April 13, 2023:</font><BR></FONT><A href="http://www.sec.gov/Archives/edgar/data/19617/000121390023029539/ea152803_424b2.pdf" style="word-break: break-all; "><FONT style="font-weight: normal; font-style: normal; color: #0000FF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/19617/000121390023029539/ea152803_424b2.pdf</font></FONT></A></FONT></P>
                <P style="margin-bottom: 13.2pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Underlying supplement no. 1-I dated April 13, 2023:</font><BR></FONT><A href="http://www.sec.gov/Archives/edgar/data/19617/000121390023029543/ea151873_424b2.pdf" style="word-break: break-all; "><FONT style="font-weight: normal; font-style: normal; color: #0000FF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/19617/000121390023029543/ea151873_424b2.pdf</font></FONT></A></FONT></P>
                <P style="margin-bottom: 13.2pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prospectus supplement and prospectus, each dated April 13, 2023:</font><BR></FONT><A href="http://www.sec.gov/Archives/edgar/data/19617/000095010323005751/crt_dp192097-424b2.pdf" style="word-break: break-all; "><FONT style="font-weight: normal; font-style: normal; color: #0000FF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/19617/000095010323005751/crt_dp192097-424b2.pdf</font></FONT></A></FONT></P>
                <P style="margin-bottom: 13.2pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #404040; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prospectus addendum dated June 3, 2024:</font><BR></FONT><A href="http://www.sec.gov/Archives/edgar/data/1665650/000095010324007599/dp211753_424b3.htm" style="word-break: break-all; "><FONT style="font-weight: normal; font-style: normal; color: #0000FF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/1665650/000095010324007599/dp211753_424b3.htm</font></FONT></A></FONT></P>
                <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.25pt; "><FONT style="font-family: Arial, sans-serif; color: #404040; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our Central Index Key, or CIK, on the SEC website is 1665650, and JPMorgan Chase &amp; Co.&#8217;s CIK is 19617. As used in this pricing supplement, &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to JPMorgan Financial.</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>PS-</font><FONT>10</FONT><font style='white-space: pre-wrap;'> | Structured Investments</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; "><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Uncapped Accelerated Barrier Notes Linked to the Least Performing of the Dow Jones Industrial Average</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, the Nasdaq-100 Index</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> and the Russell 2000</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; color: #6D6E71; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #6D6E71; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
