PROSPECTUS SUPPLEMENT dated December 14, 2004
(to Prospectus dated July 1, 2004) Rule 424(b)(3)
File No. 333-116822

JPMORGAN CHASE & CO.

Debt Securities
Preferred Stock
Depositary Shares
Warrants

This Prospectus Supplement supplements our Prospectus dated July 1, 2004, relating to our debt securities, preferred stock, depositary shares and warrants (the "Prospectus")

ADDITIONAL COMPANY SENIOR SECURITIES

The following is added to the section of the Prospectus entitled "Company Debt Securities - Company Senior Securities" following the summary terms of the "3.50% Notes Due 2009" to reflect the issuance of the Company Senior Securities described below following the date of the Prospectus:

Floating Rate Notes due 2009

Initial principal amount of series (subject to increase):
Maturity date:
Interest payment dates:
Record dates:

Issuance date:
Interest rate: $1,000,000,000
October 2, 2009
January 2, April 2, July 2 and October 2
December 15, March 15, June 15 and September 15
September 29, 2004
LIBOR Telerate reset quarterly + 0.19%

3.80% Notes due 2009

Initial principal amount of series (subject to increase):
Maturity date:
Interest payment dates:
Record dates:
Issuance date: $500,000,000
October 2, 2009
April 2 and October 2
March 15 and September 15
September 29, 2004

5-5/8% Notes due 2006

Initial principal amount of series issued August 14, 2001: Additional principal amount of series issued November 12, 2004:
Aggregate principal amount of series (subject to increase):
Maturity date:
Interest payment dates:
Record dates: $ 1,500,000,000

$   500,000,000
$ 2,000,000,000
August 15, 2006
February 15 and August 15
February 1 and August 1

4.50% Notes due 2012

Initial principal amount of series (subject to increase):
Maturity date:
Interest payment dates:
Record dates:
Issuance date: $850,000,000
January 15, 2012
January 15 and July 15
January 1 and July 1
December 14, 2004

ADDITIONAL COMPANY SUBORDINATED SECURITIES

The following is added to the section of the Prospectus entitled "Company Debt Securities - Company Subordinated Securities" following the summary terms of the "4.875% Subordinated Notes Due 2014" to reflect the issuance of the Company Subordinated Securities described below following the date of the Prospectus:

5.125% Subordinated Notes due 2014

Initial principal amount of series (subject to increase):
Maturity date:
Interest payment dates:
Record dates:
Initial Issuance date: $2,000,000,000
September 15, 2014
March 15 and September 15
March 1 and September 1
September 15, 2004