NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Q J.P. Morgan Funds. Sales charge / dealer concession schedule

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1 NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Q4 27 J.P. Morgan Funds / dealer concession schedule

2 A shares Dynamic Equity Equity Index Fund* Growth and Small Cap Core Fund U.S. Research Enhanced Equity Fund s International Equity International Research Enhanced Equity Fund Realty of less than $5, $5,-$99, $,-$249, $,-$499, $5,-$999, $,, or more Sales, letters of intent and Rights of Accumulation trades of over $ million in A shares are not subject to a sales charge. *The Equity Index Fund no longer pays a finders' fee as of July, 28. SmartRetirement 2 Fund of $,-$249, $,-$499, $5,-$999, $,, or more Sales, letters of intent and Rights of Accumulation trades of over $ million in A shares are not subject to a sales charge. California Intermediate Municipal New York Tax Aware High of $,-$249, $,-$499, $5,-$999, $,, or more Sales, letters of intent and Rights of Accumulation trades of over $ million in A shares are not subject to a sales charge. Ultra-Short Municipal Fund of $,-$249, $,-$499, $5, or more Sales, letters of intent and Rights of Accumulation trades of over $5, in A shares are not subject to a sales charge for s on or after January, 28. For s prior to this date, please refer to the Fund's Prospectus for the sales charge and commission schedule.

3 A shares - (excludes Equity Index Fund) Dynamic Equity Growth and U.S. Research Enhanced Equity Fund s International Equity International Research Enhanced Equity Fund Realty SmartRetirement 2 Fund $,,-$3,999,999* $4,,-$9,999,999 $,,-$49,999,999 $5,, Mo. and then 2-8 Mo. The Equity Index Fund no longer pays a finders' fee as of July, 28. *If the total sale of Class A Shares of qualifying J.P. Morgan Funds is $,, or more but the amount of the sale applicable to U.S. and International Equity, Specialty, and is less than $,,, the Financial Intermediary will receive a finders' fee equal to.% of the sale of the Class A Shares of these Funds. The finders' fee schedule for other qualifying J.P. Morgan Funds can be found in the Statement of Additional Information for such Funds..% % $,,+*. -2 Mo. *If the total sale of Class A Shares of Qualifying Funds is $,, or more but the amount of the sale applicable to the Market Expansion Index Fund is less than $,,, the Financial Intermediary will receive a Finder s Fee equal to.% of the sale of the Class A Shares of the Market Expansion Index Fund. The Finders Fee Schedule for other Qualifying Funds can be found in the Statement of Additional Information for such Qualifying Funds..% California Intermediate Municipal New York Tax Aware High $,,-$3,999,999* $4,,-$49,999,999 $5,,+. -8 Mo. *If the total sale of Class A Shares of qualifying J.P. Morgan Funds is $,, or more but the amount of the sale applicable to the Taxable Fixed Income or is less than $,,, the Financial Intermediary will receive a finders' fee equal to % of the sale of the Class A Shares of the Taxable Fixed Income or. The finders' fee schedule for other qualifying J.P. Morgan Funds can be found in the Statement of Additional Information for such Funds. For s prior to January, 28 please refer to the Fund's Prospectus and Statement of Additional Information. % Ultra-Short Municipal Fund $5,-$3,999,999 $4,,-$9,999,999 $,,+. -8 Mo. *If the total sale of Class A Shares of qualifying J.P. Morgan Funds is $5, or more but the amount of the sale applicable to the Taxable Fixed Income or is less than $5,, the Financial Intermediary will receive a finders' fee equal to % of the sale of the Class A Shares of the Taxable Fixed Income or, for s on or after January, 28. The finders' fee schedule for other qualifying J.P. Morgan Funds can be found in the Statement of Additional Information for such Funds. For s prior to January, 28, please refer to the Fund's Prospectus and Statement of Additional Information. % $,,-$9,999,999* $,,+. -2 Mo. *If the total sale of Class A Shares of qualifying J.P. Morgan Funds is $,, or more but the amount of the sale applicable to the is less than $,,, the Financial Intermediary will receive a finders' fee equal to % of the sale of the Class A Shares of the. The finders' fee schedule for other qualifying J.P. Morgan Funds can be found in the Statement of Additional Information for such Funds. %

4 C shares Dynamic Equity Equity Index Fund Growth and Small Cap Core Fund s International Equity Realty SmartRetirement 2 Fund Money market Funds Liquid Assets Money Market Fund Prime Money Market Fund U.S. Treasury Plus Money Market Fund CDSC dollar * California Intermediate Municipal New York Tax Aware High CDSC dollar * CDSC dollar * *May consist of both 2b- and shareholder service fees.

5 NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Contact JPMorgan Distribution Services, Inc. at for a fund prospectus. You can also visit us at Investors should carefully consider the objectives and risks as well as charges and expenses of the mutual fund before investing. The prospectus contains this and other information about the mutual fund. Read the prospectus carefully before investing. J.P. Morgan Funds 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. JPMorgan Distribution Services, Inc. is a member of FINRA/SIPC. J.P. Morgan Asset Management is the brand name for the asset management business of JPMorgan Chase & Co and its affiliates worldwide. JPMorgan Chase & Co., January 28 SCDC-Public-27