JPMORGAN CHASE & CO — Regulatory Filings 2003

Jul 24, 2003

424B2 1 y88613e424b2.htm J.P. MORGAN CHASE & CO. J.P. MORGAN CHASE & CO. PAGEBREAK

Pricing Supplement No. 149L Dated July 22, 2003 Rule 424(b)(2)

(To Prospectus dated October 31, 2001 and File No. 333-71876

Prospectus Supplement dated November 9, 2001) CUSIP #: 46623E BK4

J.P. MORGAN CHASE & CO.

x Senior Medium-Term Notes, Series C

Due From Nine Months to Thirty Years from Date of Issue

o Subordinated Medium Term Notes, Series A

Due From Nine Months to Thirty Years from Date of Issue

Principal Amount: $125,000,000

Issue Price 100%

Commission or Discount: $ 187,500

Proceeds to Company $124,812,500

Agents Principal Amount

To be Purchased

J.P. MORGAN SECURITIES INC. $122,500,000

Sandler O’Neill & Partners, L.P. $ 1,250,000

Suntrust Capital Markets, Inc. $ 1,250,000

Agents’ Capacity: o As agent x As principal

if as principal

o The Notes are being offered at varying prices relating to prevailing market prices at the time of sale. SEE BELOW

x The Notes are being offered at a fixed initial public offering price equal to the Issue Price (as a percentage of Principal Amount).

Original Issue Date: July 28, 2003

Stated Maturity: July 28, 2006

Form: x Book-entry o Certificated

Currency: U.S. Dollars

o Fixed Rate Note:

x Floating Rate CD o Commercial Paper Rate o LIBOR Telerate x LIBOR Reuters o

Note: Treasury Rate o Prime Rate o CMT o

Interest Payment Dates: Quarterly on the 28th or next good business day of October, January, April and July, via modified following business day convention commencing October 28, 2003.

Interest Reset Dates: The 28th or next good business day of October, January, April and July, via modified following business day convention commencing October 28, 2003.

Index Maturity: 3-month LIBOR

Spread (+/-): +10 BP

Multiplier: Not Applicable

Maximum Interest Rate: Not Applicable

Minimum Interest Rate: 0%

Optional Redemption: Yes o No x