JPMORGAN CHASE & CO — Capital/Financing Update 2012

Nov 20, 2012

Final Terms

JPMORGAN CHASE & CO.

JPMORGAN CHASE & CO.

Fixed Rate Notes issued pursuant to

U.S.$65,000,000,000 Euro Medium Term Note Program

SERIES NO: 69 TRANCHE NO: 1 €1,000,000,000 1.875% Fixed Rate Notes due 2019

Issue Price: 99.288 per cent.

---

Lead Manager J.P. Morgan

Co-Managers

ABN AMRO	Banco Bilbao Vizcaya Argentaria, S.A.
Commerzbank	Erste Group
ING Commercial Banking	The Royal Bank of Scotland

UniCredit Bank

The date of these Final Terms is November 19, 2012

PART A — CONTRACTUAL TERMS

---

Terms used herein shall be deemed to be defined as such for the purposes of the Conditions set forth in the Prospectus dated September 12, 2012 and the Supplementary Prospectuses dated October 15, 2012 and November 9, 2012 which together constitute a base prospectus for the purposes of the Prospectus Directive. This document constitutes the Final Terms of the Notes described herein for the purposes of Article 5.4 of the Prospectus Directive and must be read in conjunction with such Prospectus as so supplemented. Full information on the Issuer and the offer of the Notes is only available on the basis of the combination of these Final Terms and the Prospectus as so supplemented. The Prospectus and the Supplementary Prospectuses have been published on the website of the London Stock Exchange at www.londonstockexchange.com/exchange/news/market-news/market-news-home.html and copies may be obtained from the Agent.

1. Issuer: JPMorgan Chase & Co.
2. (i) Series Number: 69 (ii) Tranche Number: 1
3. Specified Currency or Currencies: Euro (€)
4. Aggregate Nominal Amount of Notes: €1,000,000,000
5. Issue Price: 99.288 per cent. of the Aggregate Nominal Amount
6. (i) Specified Denominations: €100,000 and integral multiples of €1,000 in excess thereof (ii) Calculation Amount: €1,000
7. (i) Issue Date: 21 November 2012 (ii) Interest Commencement Date: 21 November 2013
8. Maturity Date: 21 November 2019
9. Interest Basis: 1.875 per cent. Fixed Rate
10. Redemption/Payment Basis: Subject to any purchase and cancellation or early redemption the Notes will be redeemed on the Maturity Date at 100 per cent. of their Nominal Amount.
11. Change of Interest or Redemption/Payment Basis: Not Applicable
12. Put/Call Options: Not Applicable
13. Status of the Notes: Senior

Provisions Relating to Interest (if any) Payable

1. Fixed Rate Note Provisions Applicable (i) Rate of Interest: 1.875 per cent. per annum payable annually in arrear on each Interest Payment Date (ii) Interest Payment Date(s): 21 November in each year adjusted in accordance with the Following Business Day Convention. (iii) Fixed Coupon Amount: €18.75 per Calculation Amount (iv) Broken Amount(s): Not Applicable (v) Day Count Fraction: Actual/Actual (ICMA) (vi) Determination Dates: 21 November in each year

2. Floating Rate Note Provisions Not Applicable

---

1. Zero Coupon Note Provisions Not Applicable

Provisions Relating to Redemption

1. Call Option Not Applicable

2. Put Option Not Applicable

3. Final Redemption Amount of each Note €1,000 per Calculation Amount

4. Early Redemption Amount Early Redemption Amount(s) per Calculation Amount payable on redemption for taxation reasons or on event of default or other early redemption: Yes, as set out in the Conditions

General Provisions Applicable to the Notes:

1. Form of Notes: Permanent Global Note is registered form, which is exchangeable for Definitive Notes represented by Certificates in the limited circumstances specified in the Permanent Global Note.

The Global Note will be registered in the name of a nominee for a common safekeeper for Euroclear and Clearstream, Luxembourg.

1. NSS (New Safekeeping Structure): Yes

2. Financial Center(s): TARGET, London and New York

3. Redenomination, renominalization and reconventioning provisions: Not Applicable

4. Consolidation provisions: Not Applicable

Signed on behalf of the Issuer:

By: Lusaf Lofstjernald Duly authorized

3

---

PART B — OTHER INFORMATION

1. Listing and Admission to Trading

(i) Admission to trading: Application has been made by the Issuer (or on its behalf) for the Notes to be admitted to trading on the London Stock Exchange’s regulated market and listing on the Official List of the UK Listing Authority with effect from 21 November 2012.

(ii) Estimate of total expenses related to admission to trading: £3,650

2. Ratings

Ratings: The Notes have not been rated.

3. Interests of Natural and Legal Persons involved in the Issue

Save as discussed in “Subscription and Sale” so far as the Issuer is aware, no person involved in the offer of the Notes has an interest material to the offer.

4. Yield

Indication of yield: 1.985 per cent. per annum. The yield is calculated at the Issue Date on the basis of the Issue Price. It is not an indication of future yield.

5. Operational Information

ISIN Code: XS0856977144

Common Code: 085697714

Any clearing system(s) other than Euroclear Bank Not Applicable S.A./N.V. and Clearstream Banking, société anonyme and the relevant identification number(s):

Delivery: Delivery against payment

Names and addresses of initial Paying Agent(s): Not Applicable

Names and addresses of additional Paying Agent(s) (if any): Not Applicable

6. Distribution

Names of Managers: J.P. Morgan Securities plc ABN AMRO Bank N.V. Banco Bilbao Vizcaya Argentaria, S.A. Commerzbank Aktiengesellschaft Erste Group Bank AG ING Bank N.V., Belgian Branch The Royal Bank of Scotland plc UniCredit Bank AG

Name of Dealer: Not Applicable

US Selling Restrictions: Reg. S Category 2