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EFTA01558725 | EFTA01558741 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 11/1/08 to 11/30/08 You must promptly adviseJPMSI ofmaterialchanges in yourinvestment objectivesor financialsituation. Unless you inform JPMSI otherwise, JPMSI will considerthe information currentlyin its files to be complete and accurate. You should have receivedseparateJPMSI confirmations for each securities transaction. All transactions are subject to the terms and conditions stated on the reverseside of such confirmations and are subject to the constitution, by-laws, customs and interpretationsof the marketplacewhere executedand governedby and construed in accordance with the laws of the State of New Yorkand all applicablefederallaws and regulations. Furtherinformation with respect to commissions and other charges relatedto the execution of transactions, including options transactions, has been included in confirmations that were previouslyfurnishedto you. Upon written request, JPMSI will promptly supply you with the latest such information. Shareholdersof certain JPM Funds are chargeda redemption fee equalto 2% of the proceeds if they exchangeor redeemshares ofsuch funds within 60 days of purchase, subject to certain exceptions set forth in the prospectus of the applicableFund. Pleaseconsult your J.P. Morgan representativefora list of the JPM Funds that impose redemption fees JPMSI is a memberof the Securities InvestorProtection Corporation ("SIPC"),a not-for-profit membership corporation funded by broker-dealers registeredwith the Securities and ExchangeCommission. Securities and cash held for a customer at JPMSI are protected by SIPC up to $500,000 per customer, which includes up to $100,000 of protection for cash. SIPC does not protect against losses from fluctuations in the value of the securities. Assets held in custody by JPMorgan Chase Bank, N.A. (the "Bank")are not subject to SIPC. Youmay obtain information about SIPC, including the SIPCBrochure, on theirwebsite, at "www.sipc.org" or by contacting them at (202)371-8300. J.P. Morgan Securities Inc., JPMorgan Chase Bank, N.A. or their affiliates(the "Morgan Companies")mayprovide administrative,custodial, sales, distribution or shareholderservicesto JPMorgan Funds, AmericanCenturyFunds, or funds established, sponsored, advised, or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. Explanation of JPMSI Ratings: Overweight: Neutral: Underweight: Independent Research Ratings: J.P. Morgan uses the following rating system: Over the next six to twelve months, we expect this stock will outperform the average total return of the stocks in the analyst's (or the analyst's team's) coverage universe. Over the next six to twelve months, we expect this stock will perform in line with the average total return of the stocks in the analyst's (or the analyst's team's) coverage universe. EFTA01558741
March 1, 2026 at 10:08 AM