<SEC-DOCUMENT>0001213900-23-016954.txt : 20230303
<SEC-HEADER>0001213900-23-016954.hdr.sgml : 20230303
<ACCEPTANCE-DATETIME>20230302183904
ACCESSION NUMBER: 0001213900-23-016954
CONFORMED SUBMISSION TYPE: FWP
PUBLIC DOCUMENT COUNT: 3
FILED AS OF DATE: 20230303
DATE AS OF CHANGE: 20230302
SUBJECT COMPANY:
COMPANY DATA:
COMPANY CONFORMED NAME: JPMORGAN CHASE & CO
CENTRAL INDEX KEY: 0000019617
STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021]
IRS NUMBER: 132624428
STATE OF INCORPORATION: DE
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: FWP
SEC ACT: 1934 Act
SEC FILE NUMBER: 333-236659
FILM NUMBER: 23700876
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
FILED BY:
COMPANY DATA:
COMPANY CONFORMED NAME: JPMORGAN CHASE & CO
CENTRAL INDEX KEY: 0000019617
STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021]
IRS NUMBER: 132624428
STATE OF INCORPORATION: DE
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: FWP
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
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>ea150867_fwp.htm
<DESCRIPTION>FACT SHEET
<TEXT>
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<HEAD>
<TITLE></TITLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; margin-left: 0pt; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
<TD ROWSPAN="2" STYLE="width: 69.82%; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="color: #BB0826; font: 15pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><B>JPMorgan Chase Financial Company LLC</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: justify; color: #BB0826"><B><I>Fully and Unconditionally
Guaranteed by JPMorgan Chase & Co.</I></B></P>
<P STYLE="color: #BB0826; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt"><B>Market Linked Securities</B></P></TD>
<TD STYLE="width: 30.18%; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Filed Pursuant to Rule 433</P>
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Registration
Statement Nos. 333-236659 and 333-236659-01</P></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"></P>
<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center"><IMG SRC="image_001.jpg" ALT="Kwan's HD:Users:design:Documents:Kwan:JPM logos:J.P. Morgan Logos:Logo_2008_JPM_allSizes_RGB:PNG:Logo2008_JPM_C_RGB.png" STYLE="height: 48px; width: 183px"></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #8F8F8F">
<TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="color: white; font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">Market Linked Securities— Auto-Callable with
Leveraged Upside Participation and Fixed Percentage Buffered Downside</P>
<P STYLE="color: white; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">Principal at Risk Securities Linked to the Lowest Performing
of the Common Stock of Amazon.com, Inc. and the Common Stock of Apple Inc. due March 16, 2026</P>
<P STYLE="color: white; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">Fact Sheet dated March 2, 2023 to Preliminary Pricing
Supplement dated March 2, 2023</P></TD></TR>
</TABLE>
<div style="float: left; width: 48%">
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; color: #8F8F8F">Summary of Terms</P>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; color: #8F8F8F"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; margin-left: 0.1pt; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; width: 98.4pt; border: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Issuer:</FONT></TD>
<TD STYLE="width: 2.55in; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">JPMorgan Chase Financial Company LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Guarantor:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">JPMorgan Chase & C0.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: Black">Underlying
Stocks:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">The common stock of Amazon.com, Inc. (Bloomberg ticker: AMZN) and the common stock of Apple Inc. (Bloomberg ticker: AAPL)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Pricing
Date<SUP>1</SUP>:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">March 10, 2023</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Issue
Date<SUP>1</SUP>:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">March 15, 2023</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Final
Calculation Day<SUP>1, 2</SUP>:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">March 9, 2026</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Stated
Maturity Date<SUP>1, 2</SUP>:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">March 16, 2026</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Principal
Amount:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">$1,000 per security (100% of par)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Automatic
Call:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">If the stock closing price of the lowest performing Underlying Stock on the call date is greater than or equal to its starting price, the securities will be automatically called, and on the call settlement date, investors will receive the principal amount <I>plus</I> the call premium.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Call
Premium:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">At least 21.50% of the principal amount (the actual call premium will be provided in the pricing supplement)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Call
Date<SUP>1, 2</SUP>:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">March 15</FONT>, <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: windowtext">2024</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Call
Settlement Date:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: windowtext">Five business days after the call date</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Maturity
Payment Amount:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in">If the securities are not automatically
called on the call date, the “maturity payment amount” per security will equal:</P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.05pt; text-align: justify; text-indent: -6pt"><FONT STYLE="font-family: Symbol">·</FONT>
<FONT STYLE="font-size: 8pt">If the ending price of the lowest performing Underlying Stock on the final calculation day is greater than
its starting price:</FONT></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.05pt; text-align: justify; text-indent: 0in">$1,000 + ($1,000 ×
stock return of the lowest performing Underlying Stock on the final calculation day × upside participation rate);</P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.05pt; text-align: justify; text-indent: -6pt"><FONT STYLE="font-family: Symbol">·</FONT>
<FONT STYLE="font-size: 8pt">If the ending price of the lowest performing Underlying Stock on the final calculation day is less than or
equal to its starting price, but greater than or equal to its threshold price: $1,000; or</FONT></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.05pt; text-align: justify; text-indent: -6pt"><FONT STYLE="font-family: Symbol">·</FONT>
<FONT STYLE="font-size: 8pt">If the ending price of the lowest performing Underlying Stock on the final calculation day is less than its
threshold price: </FONT></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0 4.05pt; text-align: justify; text-indent: 0in">$1,000 + [$1,000 ×
(stock return of the lowest performing Underlying Stock on the final calculation day + buffer amount)]</P></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Lowest
Performing Underlying Stock</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">On the call date or the calculation date, the Underlying Stock with the lowest stock return on that day</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Starting
Price:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">For each Underlying Stock, its s</FONT>tock <FONT STYLE="font-size: 8pt">closing price on the pricing date</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Ending
Price:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">For each Underlying Stock, its s</FONT>tock <FONT STYLE="font-size: 8pt">closing Underlying Stock on the final calculation day</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: Black">Upside
Participation Rate:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">150%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Buffer
Amount</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">1</FONT>5%</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Threshold
Price:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">For each Underlying Stock, 85% of its starting price </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Stock
Return:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">For the call date or the final calculation day and for each Underlying Stock: (stock closing price on that day – starting price) / starting price</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Calculation
Agent:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">J.P. Morgan Securities LLC (“JPMS”)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Denominations:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">$1,000 and any integral multiple of $1,000</FONT></TD></TR>
<TR>
<TD STYLE="padding-left: 5pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">CUSIP:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">48133UU91</FONT></TD></TR>
<TR>
<TD STYLE="padding-left: 5pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Fees
and Commissions:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">Up to 2.5</FONT>7<FONT STYLE="font-size: 8pt">5% for Wells Fargo Securities, LLC (“WFS”); WFS has advised us that dealers, including Wells Fargo Advisors (“WFA”), may receive 2</FONT>.00<FONT STYLE="font-size: 8pt">% of WFS’s fee, and WFA may also receive a distribution expense fee of 0.075%. In addition, with respect of certain securities sold in this offering, JPMS may pay a fee of up to 0.35% to selected dealers in consideration for marketing and other services in connection with the distribution of the securities to other dealers.</FONT></TD></TR>
<TR>
<TD STYLE="padding-left: 5pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: Black">Tax
Considerations:</FONT></TD>
<TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-size: 8pt">See the preliminary pricing supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt"><SUP>1 </SUP>Subject to change</P>
<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>2 </SUP>Subject to postponement</P></TD></TR>
</TABLE>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; color: #8F8F8F"></P>
</div>
<div style="float: right; width: 48%">
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"></P>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; margin-left: 0pt; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 100%; padding-right: 5.4pt; padding-left: 0pt">
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.5pt; color: #8F8F8F">Hypothetical Payout Profile*</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #8F8F8F"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 250px; width: 377px"></FONT></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"> </P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">*Assumes a call premium equal to the lowest possible call premium that
may be determined on the pricing date</P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><B>If the securities are automatically called, the positive return
on the securities will be limited to the call premium, even if the stock closing price of the lowest performing Underlying Stock on the
call date significantly exceeds its starting price. If the securities are automatically called, you will not have the opportunity to participate
in any appreciation of the lowest performing Underlying Stock on the final calculation day at the upside participation rate.</B></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><B>If the securities are not automatically called and the ending price
of the lowest performing Underlying Stock on the final calculation day is less than the threshold price, you will have 1-to-1 downside
exposure to the decrease in the price of that Underlying Stock from its starting price and will lose some, and possibly up to 85%, of
the principal amount of your securities at maturity.</B></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">The securities are unsecured and unsubordinated obligations of JPMorgan
Chase Financial Company LLC, which we refer to as JPMorgan Financial, the payment on which is fully and unconditionally guaranteed by
JPMorgan Chase & Co. <B>Any payment on the securities is subject to the credit risk of JPMorgan Financial, as issuer of the securities,
and the credit risk of JPMorgan Chase & Co., as guarantor of the securities.</B></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><B> </B></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">If the securities priced on the date of the accompanying preliminary
pricing supplement, the estimated value of the securities would be approximately $948.00 per security. The estimated value of the securities,
when the terms of the securities are set, will be provided in the pricing supplement and will not be less than $920.00 per security. See
“The Estimated Value of the Securities” in the preliminary pricing supplement for additional information.</P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><B> </B></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">Preliminary Pricing Supplement: <A HREF="http://www.sec.gov/Archives/edgar/data/1665650/000121390023016898/ea150861_424b2.htm">http://www.sec.gov/Archives/edgar/data/1665650/<BR>
000121390023016898/ea150861_424b2.htm</A></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"> </P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"> </P></TD></TR>
</TABLE>
</div>
<div style="clear:both"></div>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><B>The securities have complex features and investing in the securities involves
risks not associated with an investment in conventional debt securities. See “Risk Factors” in the accompanying prospectus
supplement and the accompanying product supplement and “Selected Risk Considerations” in the accompanying preliminary pricing
supplement.</B></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0; text-align: left"><FONT STYLE="font-weight: normal"><I>The securities
are not bank deposits, are not insured by the Federal Deposit Insurance Corporation or any other governmental agency and are not obligations
of, or guaranteed by, a bank.</I></FONT></P>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 4pt 0; border-top: #7F7F7F 0.5pt solid"><FONT STYLE="color: #C00000"><B>THIS
FACT SHEET DOES NOT PROVIDE ALL OF THE INFORMATION THAT AN INVESTOR SHOULD CONSIDER PRIOR TO MAKING AN INVESTMENT DECISION. </B></FONT><B>This
fact sheet should be read in conjunction with the accompanying preliminary pricing supplement, prospectus, prospectus supplement and product
supplement.</B></P>
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<DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"> </P></DIV>
<DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt"> </P></DIV>
<!-- Field: /Page -->
<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0.1in; color: #8F8F8F">Selected Risk Considerations</P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 6pt">The risks set forth below are discussed in detail in the “Selected
Risk Considerations” section in the accompanying preliminary pricing supplement and the “Risk Factors” sections in the
accompanying prospectus supplement and product supplement. Please review the risk disclosure carefully.</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 3.75in; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>If the Securities Are Not Automatically Called and the Ending Price of the Lowest Performing Underlying Stock on the Final Calculation
Day Is Less Than Its Threshold Price, You Will Lose Up to 85% of the Principal Amount of Your Securities at Maturity.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>If the Securities Are Automatically Called, the Return on the Securities Will Be Limited to the Call Premium.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>You Will Be Subject to Reinvestment Risk.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Securities Are Subject to the Credit Risks of JPMorgan Financial and JPMorgan Chase & Co.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>As a Finance Subsidiary, JPMorgan Financial Has No Independent Operations and Has Limited Assets.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>You Are Exposed to the Risk of Decline in the Price of Each Underlying Stock</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>Your Payment at Maturity Will Be Determined by the Lowest Performing Underlying Stock</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>You Will Be Subject to Risks Resulting from the Relationship Between the Underlying Stocks</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>No Interest or Dividend Payments or Voting Rights</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>Lack of Liquidity</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Final Terms and Estimated Valuation of the Securities Will Be Provided in the Pricing Supplement.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Tax Consequences of an Investment in the Securities Are Uncertain.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>Potential Conflicts</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Estimated Value of the Securities Will Be Lower Than the Original Issue Price (Price to Public) of the Securities.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Estimated Value of the Securities Does Not Represent Future Values of the Securities and May Differ from Others’ Estimates.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Estimated Value of the Securities Is Derived by Reference to an Internal Funding Rate.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>The Value of the Securities as Published by JPMS (and Which May Be Reflected on Customer Account Statements) May Be Higher Than
the Then-Current Estimated Value of the Securities for a Limited Time Period.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 2pt 0.25in"> </P></TD>
<TD STYLE="width: 3.75in; padding-right: 5.4pt; padding-left: 5.4pt">
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>Secondary Market Prices of the Securities Will Likely Be Lower Than the Original Issue Price of the Securities.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><B>Many Economic and Market Factors Will Impact the Value of the Securities.</B></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><FONT STYLE="background-color: white"><B>No Affiliation with any Underlying Stock Issuer</B></FONT></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><FONT STYLE="background-color: white"><B>The Anti-Dilution Protection Is Limited and May Be Discretionary. </B></FONT></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 2pt 0.25in; text-align: left; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">·</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">
</FONT><FONT STYLE="background-color: white"><B>The Maturity Payment Amount Will Depend upon the Performance of Each Underlying Stock
and Therefore the Securities Are Subject to Risks Associated with each Underlying Stock, Each as Discussed in More Detail in the Accompanying
Pricing Supplement and Product Supplement.</B></FONT></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 2pt 22.5pt"> </P></TD></TR>
</TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 6pt"></P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; color: #8F8F8F">SEC Legend: JPMorgan Chase Financial Company LLC and
JPMorgan Chase & Co. have filed a registration statement (including a prospectus) with the SEC for any offerings to which these materials
relate. Before you invest, you should read the prospectus in that registration statement and the other documents relating to this offering
that JPMorgan Chase Financial Company LLC and JPMorgan Chase & Co. has filed with the SEC for more complete information about JPMorgan
Chase Financial Company LLC and JPMorgan Chase & Co. and this offering. You may get these documents without cost by visiting EDGAR
on the SEC web site at www.sec.gov. Alternatively, JPMorgan Chase Financial Company LLC and JPMorgan Chase & Co., any agent or any
dealer participating in the this offering will arrange to send you the prospectus and each prospectus supplement as well as any product
supplement and preliminary pricing supplement if you so request by calling toll-free 1-866-535-9248.</P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; color: #8F8F8F">As used in this fact sheet, “we,” “us”
and “our” refer to JPMorgan Financial Company LLC. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services,
LLC and Wells Fargo Advisors Financial Network, LLC, members SIPC, separate registered broker-dealers and non-bank affiliates of Wells
Fargo & Company.</P>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; color: #8F8F8F"></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>