J.P. Morgan Asset Management

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This site is available for U.S. residents only. Products and services may be provided by JPMorgan Distribution Service, Inc., member FINRA.

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.

Call J.P. Morgan Fund Services at 1-800-480-4111 for a fund prospectus or download it from this site. Investors should consider the investment objectives, risks, charges and expenses of the mutual fund carefully before investing. The prospectus contains this and other information about the mutual fund. Read the prospectus carefully before investing.

J.P. Morgan Funds, JPMorgan Chase & Co. and its affiliates do not provide tax advice. Please consult your tax advisor for personalized assistance.

NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

This website was created for informational and educational purposes only. It’s not meant to be a recommendation from J.P. Morgan Asset Management, its affiliates or representatives for any specific investment strategy or specific course of action—or any action at all. Materials like this are part of product marketing efforts and are not impartial. Any examples are just hypothetical illustrations provided to help explain a point. Before you make any investment decisions, contact the professionals, such as your tax advisor, who know your personal financial situation best.

Contact JPMorgan Distribution Services, Inc. at 1-800-480-4111 for a prospectus. Carefully consider the fund’s objectives, risks, charges and expenses before investing. The prospectus contains this and other fund information. Read it carefully before investing.

The JPMorgan SmartRetirement Funds are target date funds with the target date being the approximate date when investors plan to retire. Generally, the asset allocation of each Fund will change on an annual basis with the asset allocation becoming more conservative as the Fund nears the target retirement date. The principal value of the Fund(s) is not guaranteed at any time, including at the target date.

CONFLICTS OF INTEREST – Refer to the Conflicts of Interest section of the Fund’s prospectus

Certain underlying funds of the SmartRetirement Funds may have unique risks associated with investments in foreign/ emerging markets securities and/or fixed income instruments. International investing involves increased risk and volatility due to currency exchange rate changes; political, social or economic instability; and accounting or other financial standard differences.

The strategic asset allocation depicts the funds targeted weights. Actual allocations may differ. We may adjust this amount based on J.P. Morgan’s internal research and market conditions.

Asset allocation strategy for Target Date Funds is designed with two main goals in mind: promoting asset accumulation prior to retirement, which is the Fund’s “Savings Phase,” and supporting investors withdrawing their investment in the Fund throughout retirement, which is the Fund’s “Spending Phase.” Therefore, the asset allocation strategy will change over time, generally becoming more conservative as it approaches the target retirement year and then remaining relatively stable afterwards. The asset allocation strategy during the Savings Phase will generally start with a greater emphasis on global equity investments and gradually shift to more emphasis on global fixed income investments. During the Spending Phase, the Fund will generally have a greater emphasis on global fixed income investments. The Spending Phase of the Fund is designed for investors in retirement who intend to spend down their holdings in the Fund. There is no guarantee that the Fund will provide sufficient retirement income, the sample withdrawal amount for any given year may be zero in order to preserve capital and you may lose money invested in the Fund.

Annual Sample Withdrawal Amount is a generic hypothetical example produced annually by the Fund’s advisor and seeks to estimate a percentage of a shareholder’s investment in the Fund(s) as of the beginning of the year that theoretically could be redeemed by a shareholder during that year while still allowing for redemptions in future years through the maturity date. This amount is as of a specific calculation date that does not consider, nor is it based upon, an investor’s specific circumstances. Because it is assumed that investors will be withdrawing a portion of their investment in the Fund each year during the Spending Phase, the Fund’s assets are expected to decline over time and approach zero in the target maturity year. The Sample Withdrawal Amount will be made available in January each year on the Fund’s website.

This site is available for U.S. residents only.

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J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. and its affiliates worldwide. J.P. Morgan Funds are distributed by JPMorgan Distribution Services, Inc.; member of FINRA. FINRA's BrokerCheck

NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

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