Form 497 JPMORGAN TRUST IV

For purposes of the “INVESTING IN JP MORGAN FUNDS” section, references to “account” and “fund” are not interchangeable. Fund refers to a single mutual fund position. An account can be invested in a single fund or multiple funds.

breakpoints — Different front-end loads, which are evaluated based on the size of the purchases. The larger the investment, the lower the initial charge.

capital gain distribution
— Payment of realized gains on securities sold by a Fund for a profit, less realized losses, to mutual fund unitholders.

Conditional Deferred Selling Fee (CDSC) — A post-sale fee levied on the redemption of Shares in a Fund. This fee usually decreases over time.

Dividend Payout — Payment of income from interest or dividends generated by a Fund’s investments to unitholders in mutual funds.

financial intermediaries
— Financial advisers, investment advisers, brokers, financial planners, banks, insurance companies, administrators of pension plans or 401(k) plans and others, including various affiliates of JPMorgan Chase, who have entered into arrangements with the Distributor and/or the Shareholder Services . Shares purchased in this way will usually be held for you by the financial intermediary.

group pension plans — Refers to employer-sponsored pension, deferred compensation, and employee benefit plans (including health savings accounts) and trusts used to fund those plans. To meet eligibility requirements, the plan must be a group plan (more than one participant), shares cannot be held in a commission-based brokerage account, and

Shares must be held at plan level or
Shares must be held at fund level through an omnibus account of a retirement plan records manager.

Group retirement plans include employer-sponsored 401(k) plans, 457 plans, employer-sponsored 403(b) plans, with-profits and cash-purchase plans, defined benefit plans, retiree health plans, segregated group retirement accounts, offered retirement plans, and nonqualifying deferred compensation plans. Group retirement plans do not include traditional IRAs, Roth IRAs, Coverdell Education Savings Accounts, SEPs, SARSEPs, SIMPLE IRAs, KEOGHs, individual 401(k) or individual 403(b) plans.

Institutional investors
— “Wrap” paid account sponsors (provided they have an agreement that covers the agreement with the distributor), corporation, qualified non-profit organization, charitable foundation, endowment and foundation, state, county, city or other entity, department, government agency or their agent, and banks, trust companies or other custodians investing for their own account or on behalf of their clients.

Letter of Intent (LOI) — An investor signs a letter of intent expressing his intention to purchase a specified amount over a 13-month period in order to receive a reduced initial charge. For each purchase made by the investor during the 13-month period, the sales charge and breakpoint rebate applicable to the total amount specified in the LOI will be paid. If the amount is not paid within the 13-month period, the investor must pay the distributor the difference between the initial sales charge applicable to the purchases at the time they were made and the reduced initial sales charge previously paid. A letter of intent must be based on the entry charge and breakpoint tables in effect at the time the original shares were acquired.

Locket Signature Guarantee — A special stamp used to verify the authenticity of certain documents. It is a guarantee from a financial institution that the signature is genuine, and the financial institution assumes liability for any forgery. Medallion Signature Guarantees protect shareholders by preventing the unauthorized transfer of assets that could result in the investor losing money due to fraud. Medallion guarantee stamps are available from many bank branches or brokerage firms.

Minimum Required Distribution (RMD) — Refers to the annual amounts required to be withdrawn from pre-tax retirement accounts (such as Traditional, SEP and SIMPLE IRAs) on or after the year in which the shareholder reaches qualifying age under applicable IRS regulations .

Accumulation Rights (ROA) — When utilizing “Capitalization Rights”, the investor may combine the current market value of all existing qualifying holdings and account types with the amount of the current purchase to qualify for a breakpoint and a reduced initial charge on the current purchase. Accumulation rights are based on the entry charge and breakpoint tables in effect at the time the original shares were purchased.

Unclaimed Shares — Shares purchased directly through JP Morgan Funds Services by check or through an ACH transaction may not be redeemed for up to five Business Days after acceptance of a purchase order unless you provide satisfactory evidence that your purchase check or Your ACH transaction has been redeemed.

wire or ACH — Refers to the payment or redemption method. Money transfers are usually faster than money sent by ACH (Automated Clearing House). While JP Morgan Funds does not charge for either method, your bank may charge for these services.

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