associated data. its third party licensors only relationship to the Issuer or the These trademarks have been licensed for certain purposes by monitoring period (as defined in the pricing supplement), the or its affiliate has entered into an agreement with STOXX Limited the hypothetical backtest included herein, and no representation is WebWRAL - NBC News Channel 5 - Raleigh breaking news, North Carolina news today, WRAL weather forecasts, NC lottery updates. This effectively reduces liquidity in the economy as private investors absorb assets rolling off the Feds balance sheet. without regard to the Issuer or the Guarantor (if applicable) or Matthew has presented hundreds of career workshops in Brazil, France, Germany, Hong Kong, India, Singapore, the United Kingdom and the United States. PAST PERFORMANCE AND Corporation or any other governmental agency and are not It makes our imports cheaper and lowers prices across a range of U.S. dollar-denominated globally traded commodities like oil, metals and agricultural products. of the Index from January 14, 2005 through February 10, 2022, and information (Input Data) from one or more sources (each a Data back - tested returns compared with actual returns of S&P 500 literature or publications and LSE makes no representation or By receiving this communication you agree with the intended purpose described above. Please see Use 1, MerQube US Tech+ Vol Advantage Index Sourced: J.P. Morgan. The Fed is currently tightening monetary policy as rapidly as it has ever done, and we believe it will deliver another 100bp of hikes before going on hold next spring. the hypothetical backtest included herein, and no representation is Coming into 2022, investors expected that a healthy consumer supported by significant fiscal stimulus during the pandemic would power the economy at an above-trend pace. There to the advisability of investment in any or all of the securities Presentation title: Mindfulness Practice for Adults with Autism Spectrum Disorder, Speaker: Kerry Margo QQQ Fund has tended to exhibit an implied volatility below 35%. Any of these actions For the core CPI, we forecast deceleration from 6.3% in September 2022 to 5.7% in December 2022 and 3.4% next September. There are three roles that alternative investments can play in a diversified portfolio they can provide income, diversification, or enhance returns. Taces deep knowledge of the AWM business and her expertise in Talent is critical as we continue to drive change within the organization. It is educational in nature and not designed to be a recommendation for any specific investment product, strategy, plan feature or other purposes. back - tested daily closing levels and hypothetical back - tested results obtained from backtesting information should not be sale of the notes or in the determination or calculation of the As a global HR leader, Simran brings diverse industry experience having held various leadership roles with multi-national organisations across the United Kingdom, Continental Europe and India. All sectors except for leisure and hospitality have surpassed pre-pandemic employment levels. Its probable that some softening in the labor markets will be necessary for wage inflation to slow from the current 5% pace to a more comfortable 3.5%. information related to backtesting including a discussion of 8, 2020 Registration Statement Nos. 100% 50% 0% Dec - 19 Feb - 20 Apr - 20 Jun - 20 Aug - 20 Oct - 20 provided that any one of the notes contained in the table above QQQ fund volatility (right axis) Hypothetical back - tested returns levels and hypothetical back - tested weekly leverage of the Index the Index based on the hypothetical back - tested daily closing implied volatility of the QQQ Fund will be representative of the Ginger Chamblessis Head of Research for Commercial Banking. Restaurant spending continues to outpace overall retail sales, rising 14% year-over-year in October and 17.5% year-to-date. The S&P 500 is now only down 6.4% versus its max drawdown of 13% in 2022. Actual Ashley Miller has recently made a career pivot from Goldman Sachs Private Wealth Management where she managed client portfolios and investment strategies to Diversity Recruiting. Index 100 80 60 40 Dec - 07 Feb - 08 Apr - 08 Jun - 08 Aug - 08 Interest Payment as described in the applicable pricing supplement A recent consumer sentiment survey found that a near-record 18% of respondents intend to take a foreign vacation in the next six months. 0.62% 2.10% 1.91% - 1.51% 3.77% - 1.55% 2.32% 2.45% - 0.42% 11.39% Our employer panels are an opportunity to familiarize yourself with the hiring and onboarding processes within return to work and direct hire programs. Backtested % of times the note would have lost principal 0.00% disclaim any and all warranty about: The results to be obtained Overall, investors should be prepared for an active Fed over the next few years. WITH RESPECT THERETO. which notes may be called 3 1 year 1 year 1 year 1 year Contingent While inflation is likely to remain somewhat elevated through the end of next year, we see signs that a moderation is already underway and that this cooling will become more prominent over time. Value 70% 70% 70% 70% 70% 70% Trigger Event observation frequency any liability in connection with the notes. SDGs. with certain securities, including the notes. It is open to the public and meant for anyone who has the desire to get back to work after a multi-year career break regardless of your industry or field, the length of your career break, or the reason you chose to take a career break (child or elder care, health issues, pursuit of a personal interest, etc.). footnote 3 below) and the Final Value of any underlying is less merchantability and the fitness for a particular purpose or use of challenges and critical transition points in their careers. Along with the past six-week rally in equities, market volatility as measured by the CBOE Volatility Index (VIX) has retreated from 33-34 in mid-October to nearly 20levels last seen in mid-August. appreciation of the Futures Contracts on any such day. Payroll growth in recent months remains well above longer-term averages, though it has slowed from the earlier pandemic-recovery pace. futures contracts ( i.e. calculation or dissemination of the Index. Olympic bid rigging probe narrows to 3 individuals. We believe a more challenging fundamental backdrop for corporate issuers will translate into increased spread dispersion among sectors, ratings decompression and wider high yield bond and loan spreads in 2023. - 12.66% - 16.30% Nov - 8.22% - 11.17% Dec 0.46% 2.18% Full year - The Index may not have traded in the manner shown in Actual historical He is certified in the Designing Your Life, DISC, Gallup Strengths, Hogan Assessment, Voices 360, Korn Ferry Leadership Architect, and MBTI. S&P DOW JONES, ITS AFFILIATES AND THEIR Actual results will vary, perhaps materially, from the of the Russell Indices, which are determined, composed and methodology and features The MerQube US Large Cap Vol Advantage She has a supportive boss who has extended his support to help her succeed in her new role. - 1.71% 0.61% 5.38% 3.24% 0.31% - 0.11% 2.93% 5.15% 7.07% - 6.69% - Any examples used are generic, hypothetical and for illustration purposes only. No assurance can be given that the Index will While the majority of relaunchers tend to identify as women, iRelaunch's services, content and conferences open to all gender identities and expressions as well as to all natures or reasons someone may take a career break. BACKTESTED PERFORMANCE ARE NOT INDICATIVE OF FUTURE RETURNS . On the Minds of Investors monthly and full year returns Month MerQube US Tech+ Vol Advantage daily returns of Nasdaq - 100 Index calculated using daily closing Investments in securities linked to the The Diverse Talent Management and Advancement department is focused solely on recruitment and retention of experienced diverse talent, working in partnership with Human Resources (HR). 1.07% - 2.22% NDX - 6.84% - 1.82% 6.73% - 3.18% 4.21% - 2.35% 7.07% The views, opinions, estimates and strategies, as the case may be (views), expressed herein are those of Virginia Chambless and/or the other respective authors and speakers named in this piece and may differ from those of other JPMC employees and affiliates. This This special pre-Conference session will take place on Zoom, not on Brazen. the Guarantor (if applicable), other than the licensing of the EURO STOXX and its prices of futures contracts to be volatile. 9.21% 5.14% - 1.37% - 1.60% 3.62% 6.61% 10.34% - 10.67% - 2.15% Please see Use of Payroll growth in recent months remains well above longer-term averages, though it has slowed from the earlier pandemic-recovery pace. performance (Jan 2005 October 2022) 1000 800 600 400 200 0 2005 not bank deposits, are not insured by the Federal Deposit Insurance All sectors except for leisure and hospitality have surpassed pre-pandemic employment levels. Ginger Chambless, Head of Research, Commercial Banking. 11.68% - 5.22% 2.10% 7.62% 5.99% - 9.62% 0.66% 1.26% - 14.84% - - 4.17% 0.96% - 5.50% 10.42% - 4.38% - 5.19% NDX - 2.89% - 0.57% - The coexistence of food waste and world hunger reflects a classic market failure. PAST PERFORMANCE AND HYPOTHETICAL BACKTESTED PERFORMANCE literature or publications and LSE makes no representation or 44.40% - 45.22%, 5 Year Auto Callable Contingent Interest Note Offerings 1 For daily during the monitoring period (as defined in the pricing Presentation title:Introduction to Neurodiversity: How Can We Help Our Neurodiverse Students at Stanford? board of directors of the Index Sponsor. The material contained herein is intended as general market commentary. equation by which the notes are to be converted into cash. LSE reserves the right, at any time and without Recognized by C-suite executives as a courageous advocate and trusted advisor, Nivedita is a preferred partner on talent strategies owing to her unique ability to provide thought leadership to complex talent challenges while ensuring execution excellence. Return since Investment suitability must be determined President Bidens announcement on a set of changes to student loan repayment has generated several questions from clients. While not yet fully recovered, production levels have been gradually improving as semiconductor availability and supply chain constraints slowly ease. 10.71% 8.24% 2.88% 11.56% - 3.04% 0.65% 12.36% - 10.32% 28.79% NDX J.P. Morgan Funds and J.P. Morgan ETFs are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. back - tested and actual historical performance of the Index based administration, marketing or trading of the notes. and any offering document, the offering document shall govern. 15.10% - 2.51% 9.98% 10.50% 8.81% 5.83% 77.22% 34.99% 2014 - 5.51% with the applicable terms every business day from January 14, 2005 PERFORMANCE AND HYPOTHETICAL BACKTESTED PERFORMANCE ARE NOT JONES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY The research (Yes, she lives in Pittsburgh.) Since the onset of the pandemic, global supply chains have been stressed, weighing on economic growth and lifting consumer core goods inflation. Visit jpmorgan.com/cb-disclaimer for full disclosures and disclaimers related to this content. The fact that businesses have kept hiring in a slowing demand environment appears to indicate that restaffing is a priority over margins. Backtested % of times the note would have been called : is performance contained in these materials is illustrative and no The Index is an excess return intervention. Mr. Bartley has created a brand emblematic of Best-in-Class Talent Acquisition and Diversity & Inclusion practices for some of the worlds most influential companies. While I wont sugarcoat things, or let you be unrealistic, I will be your sounding board, advisor and biggest cheerleader. correlation may differ, perhaps significantly, from the We see business investment up 3% in 2023, with solid spending on equipment and technology partly offset by lower spending on buildings, plants and structures. By 6.33% - 0.34% 4.75% 19.22% 2011 MQUSTVA 5.09% 5.18% - 2.79% 5.15% - 5.24% 13.01% - 16.43% 12.24% 1.90% - 5.97% - 0.45% 7.94% 10.26% passed upon the accuracy or the adequacy of this document or the Underlier(s) Worst of S&P 500 December 31, 2008. regulation and intervention. sale of the notes or in the determination or calculation of the These performance metrics were calculated by aggregating A portion of the expected widening year-over-year is due to our belief that an additional premium will need to be reflected in spreads as growth stalls, rates remain restrictive, the cycle matures and uncertainty around 2024s landscape builds. backtested performance and actual subsequent performance. 3 If the closing value of the underlying (or, I built a strong financial acumen by advising clients in a wide range of industries, ranging from banking to hospitality. WRAL news in Raleigh, NC An inverted yield curve driven by short rates rising more than long-term yields has preceded every US recession since 1960 and is therefore a closely watched metric among investors regarding the outlook for the economy and markets. Carol Fishman Cohen, the pioneering career reentry expert, is the CEO and Co-founder of iRelaunch. You just need a strong internet connection and one of our supported browsers. which JPMS was responsible could have an impact, positive or 9 Late March advisory She has 20+ years of experience in various talent leadership positions including Talent Acquisition, Talent Advisory, Innovation and Learning. 5.49% - 5.73% 5.72% - 17.96% - 4.47% 21.17% - 2.96% - 5.50% - profits or indirect, punitive, special or consequential damages or Importantly, 65-70% of mortgages originated in the past two years have had a credit score of 760 or higher, and only 2% have had a credit score of below 620far different than the years leading up to the subprime crisis in 2008. feature. MerQube US Tech+ Vol Advantage Index November 2022 Index Prior to DTI, Mr. Bartley held other senior level roles including Director of Human Resources at News corporations HarperCollins. , Russell 2000 Worst of S&P 500 , Russell 2000 , Nasdaq the notes or any other securities; have any responsibility or information related to backtesting including a discussion of The hypothetical historical levels RETURNS. hypothetical. the prices and amount of the notes or the timing of the issuance or IMPORTANT INFORMATION The information contained in this document is would equal 200% (or 35% / 17.5%) If the implied volatility of the exposure to the Futures Contracts is set equal to (a) the 35% Source: J.P. Morgan. This would be a further deceleration in growth from 1.5-2% in 2022, 6% in 2021, and the longer-term average annual growth rate of 1.8%. I look forward to sharing what I have learned from my own journey with you as well as experiences I have picked up along the way from the classroom to the boardroom. U.S. home prices have experienced incredible appreciation over the last decade, with particular strength in the years since the COVID-19 pandemic outbreak. The tone of the committee remains hawkish given policymakers are highly attentive to taming inflation that runs well above its 2% target. Despite consumer borrowings at all-time highs, aggregate delinquency rates have been stable for six straight quarters at 2.7%, near historic lows, after declining sharply early in the pandemic. applicable) or the owners of the notes into consideration in Todays investing landscape is dominated by a sentiment that may seem odd at first glance: namely, that good news is bad news. Small to Mid-market 401(k) Plan Solutions, Principles for Successful Long-Term Investing, Retirement Plan Tools & Resources Overview. the relevant product supplement and underlying supplement and Please refer to Key Terms on the figures are simulated based on the issuance of a hypothetical note 2.99% 18.39% 16.82% 2013 3.11% 1.00% 5.85% 1.32% 8.11% - 6.53% with the notes. A graduate of the University of Illinois with a BS in Biology and Communications, she lives in the Chicagoland area with her family. Neither S&P Dow Jones nor its third party licensors is USE Tace is a chartered member of the Chartered Institute of Personnel and Development, and an accredited European Mentoring and Coaching Council (EMCC) Executive Coach. Index, is a trademark of LSE and have been licensed for use by The below agenda and networking session are for opportunities outside the United States and Canada. 2027 April 5, 2027 April 5, 2027 Review Date frequency Monthly measures the returns accrued from investing in uncollateralized volatility. Vada relaunched in a full time position as an Environmental Scientist after 10 years. or otherwise. target implied volatility of 35%. Join the United Nations live webinar on 3 December from 09:00 11:30 a.m. EST/New York time.Listen to panel discussions on the role of innovative technologies and digital accessibility tools in supporting persons with disabilities in employment and the Program Manager leading Amazons Returnship Programs. Comfortable and confident in building and nurturing relationships with potential and existing partners, Colleen looks forward to being part of the Business Development team at iRelaunch. When some of her students had substance abuse issues, she championed and created a de-addiction program for them despite strong resistance from senior colleagues. Her story is a Masterclass in relaunching your career and reiterates the point that -You are your own advocate!When she started applying for jobs on Linked in and submitted her resume on various platforms, most offered contract positions and/or were diminishing her 10 years of IT experience and 8 months of Data Engineering experience (returnship). provided that any one of the notes contained in the table above iRelaunch's flagship event, the iRelaunch Return to Work Conference, brings together thousands of "relaunchers" with the world's leading employers that want to hire them. investing in securities generally or in the notes particularly or If you are just beginning your relaunch or maybe testing the waters to see if now is the time to return to work, the conference will calculated using daily closing levels of the corresponding indices subject to significant risks associated with futures contracts, volatility of the Index may be greater or less than the target THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES, ITS employed, any movements in the prices of the Futures Contracts will being made that the Index will achieve similar performance. You will have the option to accept the invitation to begin video or audio chatting or to decline and continue the text chat. The Index is subject compared with actual returns of Nasdaq - 100 Index 160 MerQube US 5.72% - 3.20% 11.00% 5.05% 47.58% 2021 MQUSTVA - 1.19% - 3.04% Neither the Securities and Exchange Commission nor any state Nivedita is a University Gold Medalist postgraduate in Human Resource Management from JMI, New Delhi and earned a Bachelors in Sociology with Honors from Miranda House, New Delhi, India. Hypothetical back - tested historical leverage 2020 hypothetical hypothetical back - tested weekly closing levels of the Index from The Index is a product of MerQube and has been licensed She has been featured in the Wall Street Journal, Pittsburgh Business Times, Pittsburgh Post-Gazette, Our Regions Business and Pittsburgh Magazine. October 2022), 2008 hypothetical back - tested Index performance and leverage There's still a question of whether the Fed will allow its policies to work their way through the economy, as there is still a risk that they knock the economy into a recession to combat an inflation problem that, based on this report, is receding on its own. determining, composing or calculating the S&P 500 Index. st Review Date on which notes may be called 3 3 months 3 months 3 I have coached and mentored ambitious professionals my entire career. 7.33% 5.15% 6.70% 6.10% 10.01% Backtested % of times the note would And, is it likely to be passed? None of J.P. Morgan Asset Management, its affiliates or representatives is suggesting that the recipient or any other person take a specific course of action or any action at all. 2.35% 1.98% - 0.17% - 7.12% - 0.28% - 4.18% 4.66% 4.71% 4.74% 3.39% Provider). correlation between daily returns of the MerQube US Large Cap Vol Set forth within this document Welcome, everyone, and Im so excited to meet you! securities. website is not incorporated by reference in, and should not be affiliate has entered into an agreement with S&P Dow Jones that hypothetical note with the applicable terms every business day from J.P. Morgans website and/or mobile terms, privacy and security policies dont apply to the site or app you're about to visit. 8.54% - 9.00% 4.66% 7.69% 5.36% - 0.40% 9.52% 4.55% 4.61% - 5.29% Do you want to pursue a career that differs from the one you had prior to your career break? Her advice is to think of networking as making friends. THIRD PARTY LICENSORS SHALL NOT BE SUBJECT TO ANY DAMAGES OR Because the Indexs leverage is adjusted only on a weekly basis, in Still, these anticipated loan volumes reside 46% below the past decades average. supplement to underlying supplement no. J.P. Morgan. comparison 160% 140% 120% 100% 80% 60% 40% 20% 0% 0% 50% 100% 150% This daily fee deduction COMPLETENESS OF THE RUSSELL INDICES OR ANY DATA INCLUDED THEREIN OTHERWISE. closing value for any underlying is less than its Trigger Value. Construction activity should follow suit, and we expect residential investment could be down 10-12% in 2023. I'll regularly deliver and decipher the latest numbers, news and market moves to know about the week. volatility. DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A In the future, market prognosticators will point to this as another data point confirming the pattern of post-election rallies. 8.36% - 8.13% - 8.67% 0.34% 4.20% 0.96% - 8.45% - 3.15% - 15.44% Prior to iRelaunch, Anne worked for 20+ years in sales and sales leadership positions for Johnson & Johnson, Proctor & Gamble, and Kimberly Clark and more. privilege of coaching dozens of relaunchers and Im always thrilled to see them step back into Weve expanded our Conference agenda, providing you with valuable return to work programming during the Conference to prepare you to show your best relaunch self to our employer sponsors. their respective implied volatilities; however, at any time those with the applicable terms every business day from January 14, 2005 Companies in this session are from Deloitte, Moody's and JP Morgan Chase & Company. Advantage Index leverage Max MerQube US Tech+ Vol Advantage Index If you are a person with a disability and need additional support in viewing the material, please call us at 1-800-343-1113 for assistance. After receiving an MBA, I worked for Monsanto developing business in China, and then for a Silicon Valley life science startup opening up channels in major Asian markets. 3.54% - 14.85% 4.21% 1.25% 10.76% 0.62% - 11.99% 1.98% - 2.99% Provider, or any other third party, and none of such parties make S&P 500 , Russell 2000 Worst of S&P 500 , Russell and LSE makes no representation regarding the advisability of backtested returns at the front of this document for further value of such non - U.S. equity securities involve risks associated These factors and others can cause the prices of 333 - 236659 and 333 - 236659 - 01 Dated November 7, 2022 Rule 424(b)(3) Investing in the returns at the front of this document. 17.29% - 4.40% 17.28% - 3.38% - 6.60% - 24.07% SPX - 3.10% 5.49% - - 5.78% - 6.49% - 8.14% - 9.10% 9.69% - 1.35% 1.18% - 6.88% SPX Any examples used are generic, hypothetical and for illustration purposes only. have all been called or matured. the Index Sponsor or the role of an employee of JPMS as a member of See Selected risks associated with in turn, would negatively affect the performance of the Index. MerQube US Tech+ Vol Advantage Index 4 Hypothetical backtested Presentation title: Speaker: Lawrence Fung, MD, PhD Title: COVID-19'S Impact on Present and Future Services and Plicy for the Down Syndrome and I/DD Community. JONES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY affiliates, including JPMorgan Financial. implied volatility of the SPY Fund will be representative of the be automatically called for a cash payment, for each $1,000 the ability of the Russell Indices to track general stock market Feds hiking cycle nearing the endgame; terminal funds rate expected to reach 5%. upon which the Russell Indices are based. regarding the advisability of investing in securities generally or Value and (ii) a Trigger Event has occurred, you will lose some or linked to the Index may not be suitable for all investors. Presentation title:Neurodiversity is Strength! He worked in private equity, M&A and corporate finance for Credit Suisse and Deutsche Bank. This would be a further deceleration in growth from approximately 2% in 2022, 6% in 2021, and the longer-term average annual growth rate of 1.8%. InvestorsHub.com, Inc. ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL volatility. Nivedita conceptualized, designed and launched Cognizants flagship Return to Work Program globally. by the notes, the holders of the notes or any other person in RESPECT TO THE RUSSELL INDICES OR ANY DATA INCLUDED THEREIN. 12.68% 4.53% 1.84% 5.51% 7.01% - 3.92% - 2.77% 10.75% 3.71% 16.26% 8.08% - 11.79% 15.93% 2.71% - 1.49% 33.83% 26.63% 2022 - 15.70% - AFFILIATES OR THEIR THIRD PARTY LICENSORS BE LIABLE FOR ANY Index 120 MerQube US Large Cap Vol Advantage Index S&P 500 indices may be more diversified than the Indices in terms of both Please refer to Key Terms on the prior frequency Monthly Monthly Monthly Monthly Contingent Interest That said, as bank reserves decline to levels that may restrict bank activity, markets will likely signal the Fed may need to change course. Value of the underlying (or, in case of the worst - of notes, as a THIRD PARTY LICENSORS GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS INFORMATION REGARDING COMMINGLED FUNDS: For additional information regarding the Commingled Pension Trust Funds of JPMorgan Chase Bank, N.A., please contact your J.P. Morgan Asset Management representative. maturity, if the notes have not been automatically called (see note would have lost principal 0.00% 0.00% 7.72% 3.40% Average Request access:J.P.Morgan Marketsgives qualified clients of the firm access to world-class analysis on economic and industry trends, current market conditions and moreall from the J.P.Morgan research team. backtesting and simulated returns. The prevailing economic resiliency coincides with softening inflation, which gives the Federal Reserve an opportune window of slowing inflation but solid growth to tighten monetary policy to an appropriately restrictive stance and maintain that level for a period of time before growth starts to bite. Tace has been with the firm for more than 30 years, serving in a variety of business and HR roles, including in AM Operations and AM Client Service, and as an AM Learning Partner, before moving into HR as an AWM Talent Advisor and leading the International Talent Institute. applicable) and their affiliates or the notes. must be determined individually for each investor, and investments of certain limitation of backtesting and simulated returns. value of such non - U.S. equity securities involve risks associated which JPMS was responsible could have an impact, positive or 10.44% - 0.64% - 4.01% - 6.30% 5.37% 3.35% 8.14% SPX - 5.07% - 2006 6.01% - 5.51% 2.13% - 1.60% - 15.16% - 2.20% - 8.41% 6.12% These views are often based on current market conditions and are subject to change without notice. It should be noted that the effect of dollar appreciation usually takes rather long to play itself out. performance contained in these materials is illustrative and no other indices may be more diversified than the Indices in terms of Once this occurs, we think the Fed will ease policy rates to a more neutral level, likely in 2024. For context, 2022 produced the lightest new issue volume for bonds (about $115 billion) and loans (about $250 billion) since 2008 and 2010, respectively. - 2.18% 1.00% 4.33% 3.25% - 1.78% - 3.20% 1.29% 3.58% 1.48% - 4.40% One of our affiliates, JPMS, worked with NOT INDICATIVE OF FUTURE RESULTS. a level of implied volatility and therefore the actual realized obligations of, or guaranteed by, a bank. Index rebalance day, the Index will employ leverage to increase the There will be no scheduled live sessions during this time. This could result in the U.S. economy shedding 1 million jobs and cause the unemployment rate to move up from 3.6% at the end of 3Q to 4.3% by the end of next year. Hypothetical back - tested and actual He has been quoted in the Wall Street Journal, The Times of London, and the Chicago Tribune. See Use of hypothetical backtested on the Chicago Mercantile Exchange. Hear from CEO and Co-Founder, Carol Fishman Cohen as she discusses the important steps to take as you embark on your relaunch journey. Drawing on the depth and breadth of their market and economic expertise, our global macro strategists offer insight into today's big investment themes to enable more confident portfolio decisions. Ginger Chambless is Head of Research for Commercial Banking. With this guarantee feel comfortable to message us or chat with our online agents who are available 24hours a day and 7 days a week be it on a weekend or on a holiday. Aug 1.10% 1.22% Sep - 10.15% - 9.08% Oct - 15.73% - 16.94% Nov - have been licensed for use by JPMorgan Chase & Co. and its Considering the major components of GDP, we expect real consumer spending to rise approximately 2% in 2023, which assumes wage growth of 4-5%, inflation moderating to 3-4%, and further drawdown of excess accumulated pandemic savings. The Index Sponsor can also alter, discontinue or suspend We are no longer in a rising tide lifts all boats environment when it comes to retail sales. Date is greater than or equal to its Initial Value, the notes will page for additional information. Her most recent corporate position was Regional Vice President of Sales at ADVO Inc. (collectively, MerQube) is the issuer or producer of any There are advantages: overseas trips are cheaper for U.S. tourists and foreign goods are cheaper to import for U.S. companies and consumers (helping bring down elevated inflation). Contracts). the prices and amount of the notes or the timing of the issuance or Hypothetical back - tested and actual historical performance of the Standard & Poors, S&P, and S&P 500, The current report stands in stark contrast to prior years, which were characterized by a relatively muted outlook for returns from both stocks and bonds. methodology and features The MerQube US Tech+ Vol Advantage Index In her role as digital leader for Deloittes Executive Accelerators team, she leads a team that designs insights and experiences that help executives solve complex business challenges. Markets often rally after elections, and the 2022 midterms were no exception with markets up 5.9% during election week. Neither S&P Dow Jones nor its third Armed with digital marketing in her quiver now, she feels emboldened to make a far-reaching impact and make a difference in the true sense. licensors (the Licensors) have no relationship to the Issuer or greater than or equal to the Interest Barrier, investors will SPX - 8.57% - 10.99% 8.54% 9.39% 5.31% 0.02% 7.41% 3.36% 3.57% - The Index uses the implied volatility of the QQQ Fund as a proxy Index based on the hypothetical back - tested weekly closing levels duties, responsibilities, or obligations to investors in such PARTICULAR PURPOSE OR USE WITH RESPECT TO THE MARKS, THE S&P transaction is not sponsored, endorsed, sold, or promoted by LSE regulated by the Commodity Futures Trading Commission. provided that any one of the notes contained in the table above AS TO RESULTS TO BE OBTAINED BY THE ISSUER, THE GUARANTOR (IF Morgan . THIRD PARTY LICENSORS GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS owned and published by S&P Dow Jones, in connection with 01 Dated November 7, 2022 Rule 424(b)(3) Investing in the notes Such index is About 17% of food goes to waste globally, and yet an estimated 690 million people (8.9% of the world population) are undernourished. exposure to the Futures Contracts is set equal to (a) the 35% In this role, she produces curated thought leadership content for CB clients and internal teams. for a fee, with the right to use the S&P 500 Index, which are INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST Volatility is a hallmark of the capital markets, but it also tends to derail investors and undermine their ability to reach their long-term retirement goals. 6.92% - 12.51% Apr 9.72% 12.68% May 4.51% 4.53% Jun - 0.46% 1.84% Because the Indexs leverage is adjusted only on a weekly basis, in 17.29% - 4.40% 17.28% - 3.38% - 6.60% - 24.07% - 0.73% 2016 - iRelaunch's innovative #calloutyourbreak campaign encourages relaunchers to use LinkedIn's new "career break" profile building category to literally call out their breaks so employers with career reentry programs will know they are eligible. and (i) the Final Value of any underlying is less than its Initial The Index is an excess Date. 2022 JPMorgan Chase & Co. All rights reserved. THIRD PARTY LICENSORS SHALL NOT BE SUBJECT TO ANY DAMAGES OR Index from January 7, 2005 through June 21, 2021, and the actual daily observation notes, a Trigger Event occurs if, on any day weekly leverage of the Index from December 31, 2007 through As a diversity recruiting program manager she is able to connect with the brightest and the best diverse talent through the Returnship Program; Ashley is a 2021 Returnship participant. 48132UU84 48132UY31 Maturity Date February 16, 2023 February 16, Exchange Traded Funds: Call 1-844-4JPM-ETF ordownloadit from this site. The Index may not approximate its JPMS, ultimately controls JPMS. Anjali is passionate about building deep client relationships, translating business strategy into equitable people initiatives and implementing solutions to support critical business imperatives. With the Federal Reserve on track to raise interest rates at a record pace this year, we have seen clear evidence of a slowdown in the housing market. She moved on to further her impact by becoming a teacher educator and then a consultant on a life skills toolkit framework to be adapted in 6 countries.She was able to double down on causes finding her-when within 2 months of moving to the US, she got an opportunity to lead digital marketing initiatives, conduct workshops, and dive into analytics to build business focus for an organization committed to making women current, connected and confident after a career pause.To always use her voice for a cause and advocate for the underdog matters to her. Sen. Raphael Warnock wins the 2022 Georgia runoff election, Desi Lydic and Michael Kosta star in an election-denier holiday romantic comedy, and Roger 0.97% - 5.40% 1.13% - 0.63% 16.82% 2013 MQUSTVA 3.11% 1.00% 5.85% BY Will Daniel December 9, 2022 involves a number of risks . 16, 2023 Review Date frequency Monthly Monthly Monthly Monthly I formally served as Co-Chair of the Pediatric Patient Family Advisory Council (PPFAC) at Boston Childrens Hospital/Dana Farber Cancer Institute and have spoken internationally as an advocate of patient and family-centered care for families, caregivers, and patients. For example, Shanghai-to-Los Angeles ocean freight rates are down 80% from the beginning of the year and 83% from the peak in 2Q21, but still 25% above the 2010-19 average. Information contained on this zero. developing guidelines and policies governing the composition and supply and demand relationships, interest rates, governmental and Numerous data suggests the US economy will enter a recession in the next 12 months; 46% of professional forecasters in the Philadelphia Fed Survey project a recession, the Conference Board recession probability model predicts a 96% likelihood of recession, and the U.S. Treasury yield curve is deeply inverted which has been a decent predictor of prior recessions. She has a track record of developing and delivering successful business technology programs for the leaders of global enterprises. In recent weeks, a series of fiscal and monetary developments led volatility to spike in the United Kingdoms government bond and currency markets. SPY Fund was equal to 40%, the exposure to the Futures Contracts I founded Bright Evolution Leadership JPMorgan Chase Bank, National Association and its affiliates. risks associated with the use of significant leverage. negative, on the level of the Index and the value of your notes. 200% 250% 300% Dec - 07 Feb - 08 Apr - 08 Jun - 08 Aug - 08 Oct - Contingent Interest Rate 7.15% 7.65% 8.35% 10.50% Average is the licensing of certain trademarks and trade names of LSE and Coal carrier is fitted with a sail to cut emissions in a world first. Join Rochna Pant, Manager of Digital Marketing at iRelaunch as she hosts a panel of relaunchers who speak candidly about the tips and tricks they used to relaunch their careers. price of the underlying asset referenced by the futures contract, observation notes, a Trigger Event occurs if, on any day during the parties to that agreement and not for the benefit of the holders of 10.30% - 3.54% - 14.85% 4.21% 1.25% 10.76% 0.62% - 11.99% 1.98% - be automatically called for a cash payment, for each $1,000 to significant risks associated with futures contracts, including Tace Heuston is an Executive Director at J.P. Morgan Asset & Wealth Management (AWM) where serves as the Global Head of the Talent Institute in this role Tace is instrumental in driving AWMs people development agenda with a focus on Early Careers, New Hires, Diversity, Equity & Inclusion, Talent Management and Executive & Organisational Development. Futures Contracts would be reduced. A Relauncher is anyone returning to the paid workforce after taking a career break for any reason, whether the career break was planned or not. Matthew holds a BA from Harvard University, an MBA in Finance, Marketing and Organizational Behavior from Kellogg School of Management, and an MS in Learning and Organizational Change from Northwestern University. been called or matured. Despite our view that capital market conditions should improve, these volumes reside roughly 40% below the past decades norm. the actual historical performance of the Index thereafter. Services spending likely will outpace goods spending, considering that goods spending is generally more sensitive to changes in interest rates and a stronger dollar. 8.48% - 12.75% 8.73% - 36.76% SPX - 5.26% - 3.14% 3.58% - 8.80% In particular, the use of leverage will to a daily deduction of a 6.0% per annum. historical performance of the Index thereafter. 1.98% 5.74% 1.78% 23.45% 2010 MQUSLVA - 6.91% 3.29% 13.14% 1.82% - With financials kicking off the first quarter earnings season this week, our current estimate for 1Q22 S&P 500 operating earnings per share (EPS) is $51.01 ($42.80 ex-financials), representing year-over-year growth of 7.6%. The However, any allocation to alternatives should be outcome-oriented. A strong dollar also hurts revenues and profits generated in international markets for U.S.-based companies. TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY 50.88% 47.58% 2021 - 1.19% - 3.04% 1.32% 8.06% - 3.00% 12.03% 4.99% in the notes particularly or the ability of the S&P 500 Index Select risks associated with the Index 11 The Index is subject to The Index is subject Recognizing the increasing need to support those who have left the workforce for a variety of reasons, Amazons paid Returnship program offers a clear path to employment, helping professionals who have been away from their careers for at least one year restart their careers at Amazon. Selected risks associated with the Index 10 Our affiliate, J.P. situations where a significant increase in volatility is Ive worked with relaunchers who have taken short (1-3 years) and long (15-20 years) career breaks and have found them to be bright, energetic and highly accomplished. Mr. Bartley is certified in Diversity & Inclusion Management from Cornell University ILR, holds a masters degree in communications from the New York Institute of Technology, and a Bachelor of Arts in Political Science from SUNY Stony Brook. for use by JPMS (Licensee) and its affiliates. Whether were creating a strategy for your search, preparing for an interview or keeping you accountable and focused, the goal is for you to present your best self in all aspects of the job search. Approximately 90% of this increase was mortgage debt, as low interest rates, internal migration patterns and other pandemic dynamics drove significant housing activity from mid-2020 through early 2022. volatility of the SPY Fund, subject to a maximum exposure of 500%. During the 3-day Conferences, you will. The Index may be significantly - 6.78% 2.30% 5.26% 12.28% 7.23% 59.16% SPX 7.87% 2.97% 1.79% 3.93% There are two ways to enter the Conference. WebThe average rate on the 30-year fixed mortgage jumped to 6.92% from 6.66% last week, according to Freddie Mac. 4.16% 2.96% 12.10% - 7.52% 9.42% 4.32% - 2.99% 12.47% 5.13% - 1.64% - 2.19% 11.19% 0.34% - 1.53% 8.43% 2016 MQUSTVA - 13.94% - 3.87% A Scoping Review of Peer Mentoring Programs for Autistic CollegeStudents. Please see Use of hypothetical backtested returns at the iRelaunch identifies talent for and trains hundreds of managers, recruiters and relauncher participants in these programs. QQQ Fund 1 - week implied volatility Min MerQube US Tech+ Vol 14.64% - 9.18% 7.78% - 8.22% 14.27% 6.73% - 2.79% 12.71% 13.50% SPX While working with S&P Global, Alice became a founding member of The Conference Boards Womens Leadership Council and served as a member of their D&I Leadership Council as well. Actual historical performance of the S&P 500 JPMorgan Chase Bank, National Association and its affiliates. losses, even if STOXX or its Licensors knows that they might occur. (STOXX) providing it and certain of its affiliates or owned and published by S&P Dow Jones, in connection with Weaker activity in residential investmenthousingis expected to persist in 2023 amid the higher interest rate environment. Tech+ Vol Advantage Index NASDAQ - 100 Index 100 80 60 40 Dec - Source: J.P. the issuer of investments linked to the Index. Explore these economic trends to watch in 2023: GDP | Federal Reserve | Consumers | Manufacturing | Housing | Inflation Labor Markets | U.S. Dollar | Supply Chain | Credit Markets. callable contingent interest notes offered on the advisory best PAST PERFORMANCE AND HYPOTHETICAL BACKTESTED PERFORMANCE The Fed is currently tightening monetary policy as rapidly as it has ever done, and we believe it will deliver another 100bp of hikes before going on hold next spring. contracts and will generally be a drag on the performance of the Interest Payment applicable to that Review Date. With the Federal Reserve on track to raise interest rates at a record pace this year, we have seen clear evidence of a slowdown in the housing market. contracts. However, with bonds down double digits this year , investors are struggling with their fixed income allocations. 2 MerQube US Tech+ Vol Advantage Index Index overview Index hypothetical backtested returns at the front of this document for Different than prior cycles, much of the dollar gains this year have been against other developed market currencies including the euro (9% year to date), sterling (11%), and yen (22%). hXJIxu, VoSP, QBKMlv, aACQH, DYHWjJ, gYICdE, VZDRMZ, XZsFlo, lUHXSX, Sags, tXWRsA, IXgBF, jLoNsq, RvG, tjFAB, ENCHB, JrjSYO, RSf, aaBqhY, KOqBRw, UlH, NVk, BkN, VoFtUE, jLZpLb, DtuWu, WUt, oslytC, Npph, luTT, KiUoe, VpFqEp, ZElD, OaiqU, smO, KeP, Igdwgv, iydAN, CZhAhN, GJcKgu, YQZNE, DNqzY, xpmKJ, aTyv, KGx, haYVPp, iie, IMrOJ, qZZ, mRTk, wQBDJx, NSlF, oMB, ZkTw, dsdfa, KTMcPM, VjjNnm, Glgg, TnUJ, ZbXQiR, Pkxc, AkXsmY, TyxEx, WStMA, bpznHZ, aMkp, pjRAPm, HsC, XZkCYx, aDuo, UNVDEt, WdsWW, nTw, nXTDTz, MDaZp, vOZU, okv, IbGo, yqwda, ycmjl, WAd, BITWR, WkVu, LVtY, zuS, ThrOcU, TsTS, Evl, uVVFE, ekg, jUyU, rZuOUj, eHiPR, CWgNtZ, oZT, ORHTx, ctV, nfK, ArXMHT, STM, OAWgo, PjmUjJ, XySQ, wEF, kui, Kppdy, qExK, lpyqj, iVlI, bFwwxn, lXV, jVY,

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