246S00084270535S0010

Statement Period

June 01 - June 28, 2024

Account Number

842-70535

Investment Statement

61624 BDS 079 021 18224 - NNNNNNNNNNNN

Account Value with Accruals
ZHIGUO LIANG &

FENGDUO LIU JTWROS TOD Account Description Previous Period This Period

3040 S NORMAL AVE APT 1

Managed 416,294.70 421,823.37
CHICAGO IL 60616-3126

ACCOUNT VALUE $416,294.70 $421,823.37

See page 3 for footnotes and more detail.

RT

Questions?

For Full Service Accounts, Call Private Client Advisor

Janice Wong
(773) 927 7273 Account Value with Accruals

.... (July 2022 to June 2024)

Customer Service
$444,250
(888) 994 5626

Branch Address $418,750

757 W. 35th Street

Chicago, IL, 60616

$393,250

www.chase.com More contact information on page 22

$367,750

$342,250

$316,750
Jul 2022

Oct 2022

Jan 2023

Apr 2023

Jul 2023

Oct 2023

Jan 2024

Apr 2024
If you have any questions about your statement or concerns about your account, please call us at

the toll free number provided above.

INVESTMENT AND INSURANCE PRODUCTS ARE: · NOT FDIC INSURED · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

· NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES

· SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
Page 1 of 38

Account is held at J.P. Morgan Securities LLC (JPMS), member Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). This statement summary is provided

for convenience purposes only. For information about your JPMS account(s), please refer to your official JPMS account statement(s), which follows this statement summary. Neither this statement

summary nor your official JPMS account statement(s) should be used for tax reporting purposes.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

This page is intentionally left blank.

Page 2 of 38
 MANAGED

Statement Period

June 01 - June 28, 2024

Last Statement: May 31, 2024

Account Number

842-70535

ZHIGUO LIANG &

FENGDUO LIU JTWROS TOD

Account Value With Accruals: $421,823.37 3040 S NORMAL AVE APT 1

CHICAGO IL 60616-3126

Account Activity Summary

TFR ON DEATH JOINT
Description This Period Year-to-Date
J.P. Morgan Core Advisory Portfolio

Beginning Account Value $416,294.70 $402,592.35

Cons. MF/ETF Taxable
Deposits (Cash & Securities) 500.00 3,000.00

Withdrawals (Cash & Securities) 0.00 0.00

Net Deposits / Withdrawals $500.00 $3,000.00

Income 948.59 4,531.75

1 (317.34) (1,842.55)
Fees

Change In Investment Value 4,397.42 13,541.82

ENDING ACCOUNT VALUE $421,823.37 $421,823.37

Net Accrued Income 0.00 0.00

Account Value With Accruals $421,823.37 $421,823.37

1 Account fees, management fees, and debit interest are included. Trade related fees charged by brokers and commissions impact
the total cost or proceeds of your trades and are not included here.

Month End Closing Method: First In, First Out (FIFO)

Your Broker/Dealer is J.P. MORGAN SECURITIES LLC, 4 Chase Metrotech Center, Brooklyn, New York 11245-0001

INVESTMENT AND INSURANCE PRODUCTS ARE: · NOT FDIC INSURED · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

· NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES

· SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
Page 3 of 38

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and

investment advisor, member FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc.

in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase &

Co. Products not available in all states. For information about your account, please refer to your official JPMS account statement which should not be used for tax reporting purposes. Please read the important

disclosures at the end of the statement. For questions, please call (888) 994 5626.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Asset Allocation
Asset Allocation Summary
Cash & Sweep Funds
Market value Market value Total
1.1%
Description Previous Period This Period Change ($)

Cash & Sweep Funds 3,975.01 4,644.80 669.79

Equities
Equities 155,541.01 158,604.29 3,063.28
37.6%

Fixed Income 256,778.68 258,574.28 1,795.60

TOTAL ACCOUNT VALUE $416,294.70 $421,823.37 $5,528.67

Fixed Income

61.3%

The allocation percentage is derived from net positive

market values only.

Manager Allocation

JPMC Cash & Liquidity Funds

1.1%

Six Circles Funds

36.1%

Third Party

Managed & Other

57.4%

JPMC Managed

5.4%

For additional information, please see the Manager Allocation

message within Important Information at the end of the statement.

Page 4 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Assets and Liabilities Summary Unrealized Gain / Loss Summary

Description Previous Period This Period Description This Period

Long Cash and Sweep Funds 3,975.01 4,644.80

Short-Term Gain 1,459.18

Long Market Value 412,319.69 417,178.57 Short-Term Loss (1,426.38)

Total Assets $416,294.70 $421,823.37 Short-Term Net Gain / Loss $32.80

. .

Total Liabilities $0.00 $0.00 Long-Term Gain 50,797.35

Long-Term Loss (23,676.80)

TOTAL ACCOUNT VALUE $416,294.70 $421,823.37
.
Long-Term Net Gain / Loss $27,120.55
Total Account Value with Accruals $416,294.70 $421,823.37
TOTAL UNREALIZED GAIN / LOSS ** $27,153.35

Income Summary ∗∗Wash sale adjustments (disallowed losses) are reflected in these totals.
Unrealized Gain / Loss represents Gain / Loss data since the date of acquisition.
Description This Period Year-to-Date

Dividends 929.43 4,423.97

Interest 19.16 107.78

Total Income from Taxable Investments $948.59 $4,531.75

.

Total Income from Non-Taxable Investments $0.00 $0.00

TOTAL INCOME $948.59 $4,531.75

Taxable and Non-taxable income classifications are based on the characteristics of the underlying

securities and not the taxable status of the account.

Page 5 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Realized Gain / Loss Summary

Description This Period Year-to-Date

Short-Term Gain 0.00 84.48

Short-Term Net Gain / Loss $0.00 $84.48

.

Long-Term Gain 0.00 1,395.31

Long-Term Loss 0.00 (2,081.21)

Long-Term Net Gain / Loss $0.00 ($685.90)

TOTAL REALIZED GAIN / LOSS ** $0.00 ($601.42)

.

Long Term Disallowed Loss 0.00 0.23

∗∗Wash sale adjustments (disallowed losses) are reflected in these totals.

Realized gain/loss information is provided for transactions in your account as of the trade date and

excludes transactions where cost basis information has not been provided or is unavailable.

This summary may include realized gains on Treasury Bills which may be reclassified on your

official tax document.

Gain/loss calculations do not include adjustments for wash sales that may have occurred on the

last business day of this statement period. These wash sale adjustments, if any, will be reflected

on your next statement.

Cost basis and realized gain/loss on statements are provided for informational purposes only and

should not be used for tax purposes or otherwise relied upon without assistance of your tax advisor.

Page 6 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Holdings

The total cost basis for each security position and the unrealized gain/loss are provided solely for your convenience and may not be used for tax purposes or otherwise relied upon. If you have questions related to

the tax treatment of your investments, please consult your tax advisor. Unrealized gain/loss total reflects only those positions for which a cost basis is available or has been provided. J.P. Morgan has not, and

cannot, validate the cost basis of positions reported by you or your agent, and are displayed solely for your convenience. Information on this statement related to cost and gain/loss calculations does not include

adjustments for wash sales that may have occurred on the last business day of this statement period. These wash sale adjustments, if any, will be reflected on your next statement. Any free credit balances in

your brokerage account are payable to you upon demand.

For Mutual Funds, itemized cost basis displays each purchase, the aggregation of long term and short term investments, and/or the aggregation of long term and short term positions which origination cannot be

determined, noted as 'Other'. For Mutual Funds, Market Value vs. Purchases is provided to assist you in comparing your total purchase, excluding reinvested distributions, with the current market value of the

position. For Mutual Funds which you choose not to reinvest distributions, 'Cumulative Cash Distributions' is displayed to assist you in monitoring the position. This Cumulative Cash Distributions will only reflect

cash distributions made after June 1, 2018. Investment Gain/Loss calculates the difference between your cost of Purchases from the current value of the fund, plus Cumulative Cash Distributions. In any Mutual

Fund tax lot is noted 'Other' or cost basis is not available. Investment Gain/Loss will display 'Not Available.'

Investment Gain/Loss display is for informational purposes only as does not reflect your total unrealized gain or loss, nor should it be used for tax purposes.

CASH & SWEEP FUNDS

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

..

J P MORGAN DEPOSIT SWEEP 4,644.8 1 4,644.80 --

MGD JPMORGAN CHASE BANK NA --

EST. 30 DAY AVG YIELD

5.35% AMT DEPOSITED FDIC

INSURED SUBJECT TO

APPLICABLE LIMITS NOT

COVERED BY SIPC

Symbol: QCPCM

TOTAL CASH & SWEEP FUNDS $4,644.80 --

--

EQUITIES

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.
See additional footnotes on the last page of the Holdings section. Page 7 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

EQUITIES (continued)

..

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

FIDELITY SALEM STR TR *23.435 190.2 4,457.34 169.15 A 3,964.09 W 493.25 --

FIDELITY 500 INDEX FUND EST 56.62

YIELD: 1.27% DIV & CAP 13 Dec 2023 3.776 718.20 169.15 638.72 W 79.48 ST

GAIN REINVEST 20 Feb 2024 19.5 3,708.90 169.15 3,298.48 W 410.42 ST

Symbol: FXAIX ST REINVEST 0.159 30.24 169.12 26.89 W 3.35 ST

Market Value vs. Purchases 4,457.34 3,937.14

Investment Gain/Loss 520.20

..

J P MORGAN EXCHANGE 62 64.97 4,028.14 48.9 3,031.60 996.54 --

TRADED FD TR BETABUILDERS 100.69

CDA ETF NEW EST YIELD: 19 Oct 2018 50 3,248.50 45.67 2,283.63 964.87 LT

2.50% 16 Jan 2020 5 324.85 58.45 292.25 32.60 LT

Symbol: BBCA 14 Dec 2020 4 259.88 68.11 272.45 (12.57) LT

12 Jul 2023 3 194.91 61.09 183.27 11.64 ST

..

J P MORGAN EXCHANGE 86 48.38 4,160.68 55.49 4,772.21 (611.53) --

TRADED FD TR BETABUILDERS 167.44

DEVELOPED ASIA PACIFIC EX 26 Jan 2021 66 3,193.08 57.06 3,765.96 (572.88) LT

JAPAN ETF EST YIELD: 4.02% 13 Jan 2022 8 387.04 54.69 437.50 (50.46) LT

Symbol: BBAX 12 Jul 2023 5 241.90 48.23 241.15 0.75 ST

12 Apr 2024 7 338.66 46.8 327.60 11.06 ST

..

J P MORGAN EXCHANGE 107 58.88 6,300.16 54.03 5,781.49 518.67 --

TRADED FD TR BETABUILDERS 191.21

EUROPE ETF NEW EST YIELD: 19 Jan 2023 70 4,121.60 52.48 3,673.60 448.00 LT

3.03% 20 Feb 2024 37 2,178.56 56.97 2,107.89 70.67 ST

Symbol: BBEU

..

J P MORGAN EXCHANGE 145 56.43 8,182.35 52.91 7,672.20 510.15 --

TRADED FD TR BETABUILDERS 232.15

JAPAN ETF NEW EST YIELD: 09 Jun 2020 68 3,837.24 47.82 3,251.76 585.48 LT

2.84% 26 Jan 2021 63 3,555.09 57.6 3,628.74 (73.65) LT

Symbol: BBJP 13 Jul 2021 9 507.87 57.12 514.08 (6.21) LT

13 Jan 2022 5 282.15 55.52 277.62 4.53 LT

..

SIX CIRCLES TR *1,811.55 11.68 21,158.90 9.94 A 18,011.50 3,147.40 --

INTL UNCONSTRAINED EQUITY 559.77

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

See additional footnotes on the last page of the Holdings section. Page 8 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

EQUITIES (continued)

..

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

SIX CIRCLES TR

FD EST YIELD: 2.65% DIV & 02 Apr 2019 352.946 4,122.41 9.94 3,509.20 613.21 LT

CAP GAIN REINVEST 21 Nov 2019 38.671 451.68 9.94 384.49 67.19 LT

Symbol: CIUEX 16 Jan 2020 87.732 1,024.71 9.94 872.28 152.43 LT

10 Feb 2020 383.774 4,482.48 9.94 3,815.71 666.77 LT

14 Dec 2020 78.036 911.46 9.94 775.88 135.58 LT

23 Apr 2021 251.071 2,932.51 9.94 2,496.30 436.21 LT

26 Oct 2021 354.891 4,145.13 9.94 3,528.54 616.59 LT

14 Feb 2023 37.678 440.08 9.94 374.62 65.46 LT

12 Jul 2023 8.803 102.82 9.94 87.52 15.30 ST

LT REINVEST 165.214 1,929.70 9.94 1,642.65 287.05 LT

ST REINVEST 52.734 615.93 9.94 524.31 91.62 ST

Market Value vs. Purchases 21,158.90 15,844.54

Investment Gain/Loss 5,314.36

..

SIX CIRCLES TR *2,522.895 17.18 43,343.34 12.04 A 30,370.43 12,972.91 --

U S UNCONSTRAINED EQUITY FD 446.55

EST YIELD: 1.03% DIV & CAP 08 Feb 2019 48.38 831.17 12.04 582.40 248.77 LT

GAIN REINVEST 04 Mar 2019 250.696 4,306.96 12.04 3,017.86 1,289.10 LT

Symbol: CUSUX 02 Apr 2019 547.302 9,402.65 12.04 6,588.38 2,814.27 LT

16 Jan 2020 116.977 2,009.66 12.04 1,408.16 601.50 LT

11 Feb 2021 455.479 7,825.13 12.04 5,483.03 2,342.10 LT

22 Jun 2023 566.873 9,738.88 12.04 6,823.98 2,914.90 LT

LT REINVEST 501.992 8,624.22 12.04 6,042.93 2,581.29 LT

ST REINVEST 35.196 604.67 12.04 423.69 180.98 ST

Market Value vs. Purchases 43,343.34 23,903.81

Investment Gain/Loss 19,439.53

..

VANGUARD INDEX TR *132.947 503.76 66,973.38 251.63 A 33,453.52 33,519.86 --

VANGUARD 500 INDEX FD 881.04

ADMIRAL EST YIELD: 1.32% 09 Nov 2017 71.101 35,817.84 251.63 17,891.19 17,926.65 LT

DIV & CAP GAIN REINVEST 21 Dec 2017 16.967 8,547.30 251.63 4,269.42 4,277.88 LT

Symbol: VFIAX 16 Jul 2018 5.419 2,729.88 251.63 1,363.59 1,366.29 LT

21 Sep 2018 13.05 6,574.07 251.63 3,283.78 3,290.29 LT

02 Nov 2018 6.267 3,157.06 251.63 1,576.97 1,580.09 LT

LT REINVEST 18.168 9,152.31 251.63 4,571.61 4,580.70 LT

ST REINVEST 1.975 994.93 251.63 496.96 497.97 ST

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

See additional footnotes on the last page of the Holdings section. Page 9 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

EQUITIES (continued)

..

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

VANGUARD INDEX TR

Market Value vs. Purchases 66,973.38 28,384.95

Investment Gain/Loss 38,588.43

TOTAL EQUITIES $158,604.29 $107,057.04 $51,547.25 --

$2,635.46

FIXED INCOME

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

..

ALLSPRING CORE BOND FUND *1,225.907 10.92 13,386.90 12.78 A 15,670.51 W (2,283.61) --

CLASS R6 EST YIELD: 4.31% 577.40

DIV & CAP GAIN REINVEST 09 Nov 2017 708.55958 7,737.47 12.78 9,057.49 W (1,320.02) LT

Symbol: WTRIX 12 Jan 2018 248.91775 2,718.18 12.78 3,181.86 W (463.68) LT

LT REINVEST 216.61467 2,365.43 12.78 2,768.79 W (403.36) LT

ST REINVEST 51.815 565.82 12.78 662.37 W (96.55) ST

Market Value vs. Purchases 13,386.90 12,237.98

Investment Gain/Loss 1,148.92

..

ISHARES TRUST 45 93.65 4,214.25 101.86 4,583.75 (369.50) --

ISHARES 7 10 YEAR TREASURY 136.89

BOND ETF EST YIELD: 3.25% 04 Aug 2022 31 2,903.15 104.76 3,247.56 (344.41) LT

Symbol: IEF 12 Jul 2023 11 1,030.15 96.3 1,059.26 (29.11) ST

12 Apr 2024 3 280.95 92.31 276.93 4.02 ST

..

ISHARES TRUST 92 91.81 8,446.52 103.78 9,547.74 (1,101.22) --

ISHARES MBS ETF EST YIELD: 310.78

3.68% 08 Feb 2019 15 1,377.15 104.99 1,574.83 (197.68) LT

Symbol: MBB 21 Nov 2019 3 275.43 107.94 323.82 (48.39) LT

16 Jan 2020 8 734.48 108.26 866.07 (131.59) LT

14 Dec 2020 6 550.86 109.7 658.22 (107.36) LT

13 Jul 2021 5 459.05 108.21 541.05 (82.00) LT

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

See additional footnotes on the last page of the Holdings section. Page 10 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

FIXED INCOME (continued)

..

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

ISHARES TRUST

13 Jan 2022 3 275.43 106.16 318.48 (43.05) LT

31 Jan 2022 35 3,213.35 105.93 3,707.55 (494.20) LT

12 Jul 2023 7 642.67 93.16 652.12 (9.45) ST

12 Apr 2024 10 918.10 90.56 905.60 12.50 ST

..

PIMCO INCOME FD *398.854 10.48 4,179.99 10.68 A 4,258.73 (78.74) --

INSTL CL EST YIELD: 6.30% 263.24

DIV & CAP GAIN REINVEST 26 Jul 2022 339.796 3,561.06 10.68 3,628.13 (67.07) LT

Symbol: PIMIX 12 Apr 2024 13.524 141.73 10.68 144.40 (2.67) ST

LT REINVEST 21.836 228.84 10.68 233.16 (4.32) LT

ST REINVEST 23.698 248.36 10.68 253.04 (4.68) ST

Market Value vs. Purchases 4,179.99 3,772.53

Investment Gain/Loss 407.46

..

SIX CIRCLES TR *7,997.859 8.35 66,782.12 9.25 A 74,019.32 (7,237.20) --

GLOBAL BD FD EST YIELD: 2,175.42

3.26% DIV & CAP GAIN 11 Aug 2020 2,030.94 16,958.35 9.26 18,801.04 (1,842.69) LT

REINVEST 04 Nov 2020 2,047.83 17,099.38 9.26 18,957.39 (1,858.01) LT

Symbol: CGLBX 14 Dec 2020 278.685 2,327.02 9.26 2,579.87 (252.85) LT

13 Jul 2021 318.136 2,656.44 9.26 2,945.08 (288.64) LT

13 Jan 2022 140.287 1,171.40 9.26 1,298.68 (127.28) LT

15 Nov 2022 605.908 5,059.33 9.26 5,609.08 (549.75) LT

14 Feb 2023 984.676 8,222.04 9.26 9,115.45 (893.41) LT

12 Jul 2023 218.129 1,821.38 9.26 2,019.29 (197.91) ST

12 Apr 2024 270.07 2,255.08 9.26 2,500.12 (245.04) ST

LT REINVEST 832.728 6,953.28 9.26 7,708.78 (755.50) LT

ST REINVEST 270.47 2,258.42 9.19 2,484.54 (226.12) ST

Market Value vs. Purchases 66,782.12 63,826.00

Investment Gain/Loss 2,956.12

..

SIX CIRCLES TR *421.102 9.91 4,173.12 9.99 A 4,204.83 W (31.71) --

ULTRA SHORT DURATION FD EST 192.44

YIELD: 4.61% DIV & CAP 19 Oct 2018 159.498 1,580.63 9.99 1,592.76 W (12.13) LT

GAIN REINVEST 21 Nov 2019 38.37 380.25 9.99 383.15 W (2.90) LT

Symbol: CUSDX 16 Jan 2020 80.371 796.48 9.99 802.56 W (6.08) LT

14 Dec 2020 45.737 453.25 9.99 456.71 W (3.46) LT

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

See additional footnotes on the last page of the Holdings section. Page 11 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

FIXED INCOME (continued)

..

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

SIX CIRCLES TR

13 Jan 2022 31.981 316.93 9.99 319.35 W (2.42) LT

LT REINVEST 43.845 434.50 9.98 437.79 W (3.29) LT

ST REINVEST 21.3 211.08 9.98 212.51 (1.43) ST

Market Value vs. Purchases 4,173.12 3,554.21

Investment Gain/Loss 618.91

..

SIX CIRCLES TRUST *1,919.734 8.79 16,874.46 8.95 A 17,176.29 W (301.83) --

CREDIT OPPORTUNITIES FUND 1,232.47

EST YIELD: 7.30% DIV & CAP 13 Jun 2022 377.686 3,319.86 8.95 3,379.61 W (59.75) LT

GAIN REINVEST 17 Oct 2022 399.215 3,509.10 8.95 3,572.26 W (63.16) LT

Symbol: CRDOX 12 Jul 2023 27.186 238.96 8.95 243.26 W (4.30) ST

23 Jan 2024 914.491 8,038.38 8.95 8,183.06 W (144.68) ST

12 Apr 2024 22.198 195.12 8.95 198.63 W (3.51) ST

LT REINVEST 72.989 641.57 8.95 653.13 W (11.56) LT

ST REINVEST 105.969 931.47 8.93 946.34 W (14.87) ST

Market Value vs. Purchases 16,874.46 15,566.36

Investment Gain/Loss 1,308.10

..

VANGUARD BOND INDEX FD *84.028 9.48 796.59 11.1 A 932.85 (136.26) --

INC TOTAL BD MARKET IDX 27.06

FDADMIRAL EST YIELD: 3.40% 16 Jan 2020 26.282 249.15 11.1 291.77 (42.62) LT

DIV & CAP GAIN REINVEST 09 Mar 2020 45.401 430.40 11.1 504.03 (73.63) LT

Symbol: VBTLX LT REINVEST 9.529 90.33 11.1 105.79 (15.46) LT

ST REINVEST 2.816 26.70 11.1 31.26 (4.56) ST

Market Value vs. Purchases 796.59 795.80

Investment Gain/Loss 0.79

..

VANGUARD CHARLOTTE FDS *2,365.782 19.41 45,919.83 21.85 A 51,683.29 (5,763.46) --

TOTAL INTL BD INDEX FD 2,169.42

ADMIRAL CL EST YIELD: 07 Nov 2017 85.97 1,668.68 21.85 1,878.12 (209.44) LT

4.72% DIV & CAP GAIN 09 Nov 2017 1,869.222 36,281.60 21.85 40,835.38 (4,553.78) LT

REINVEST LT REINVEST 304.149 5,903.53 21.85 6,644.48 (740.95) LT

Symbol: VTABX ST REINVEST 106.441 2,066.02 21.85 2,325.31 (259.29) ST

Market Value vs. Purchases 45,919.83 42,713.50

Investment Gain/Loss 3,206.33

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

See additional footnotes on the last page of the Holdings section. Page 12 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

FIXED INCOME (continued)

..

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

VANGUARD INTERMEDIATE 105 79.93 8,392.65 79.23 8,319.48 73.17 --

TERM CORPORATE BOND ETF EST 348.81

YIELD: 4.16% 06 Dec 2023 96 7,673.28 79.27 7,609.92 63.36 ST

Symbol: VCIT 12 Apr 2024 9 719.37 78.84 709.56 9.81 ST

..

VANGUARD SCOTTSDALE FUNDS 146 57.68 8,421.28 58.99 8,612.00 (190.72) --

VANGUARD LONG TERM TREASURY 325.29

ETF EST YIELD: 3.86% 06 Dec 2023 66 3,806.88 59.6 3,933.60 (126.72) ST

Symbol: VGLT 23 Jan 2024 70 4,037.60 58.72 4,110.40 (72.80) ST

12 Apr 2024 10 576.80 56.8 568.00 8.80 ST

..

VANGUARD TOTAL BOND 443 72.05 31,918.15 75.39 33,396.70 W (1,478.55) --

MARKET ETF EST YIELD: 3.44% 1,098.20

Symbol: BND 25 Mar 2022 78 5,619.90 78.82 6,147.92 (528.02) LT

31 May 2022 44 3,170.20 76.68 3,373.92 (203.72) LT

26 Jul 2022 19 1,368.95 76.22 1,448.18 (79.23) LT

04 Aug 2022 104 7,493.20 76.68 7,974.72 (481.52) LT

17 Oct 2022 139 10,014.95 73.46 10,210.73 W (195.78) LT

12 Jul 2023 30 2,161.50 72.48 2,174.40 (12.90) ST

12 Apr 2024 29 2,089.45 71.27 2,066.83 22.62 ST

..

VANGUARD TOTAL 926 48.67 45,068.42 54.6 50,562.70 (5,494.28) --

INTERNATIONAL BOND ETF EST 2,138.13

YIELD: 4.74% 16 Jan 2020 186 9,052.62 56.84 10,571.38 (1,518.76) LT

Symbol: BNDX 09 Mar 2020 77 3,747.59 58.44 4,499.86 (752.27) LT

14 Dec 2020 93 4,526.31 58.65 5,453.99 (927.68) LT

23 Apr 2021 95 4,623.65 57.18 5,432.10 (808.45) LT

13 Jul 2021 40 1,946.80 57.35 2,294.00 (347.20) LT

13 Jan 2022 84 4,088.28 54.88 4,609.90 (521.62) LT

09 Feb 2022 69 3,358.23 53.64 3,701.16 (342.93) LT

31 May 2022 61 2,968.87 50.45 3,077.45 (108.58) LT

04 Aug 2022 62 3,017.54 51.28 3,179.36 (161.82) LT

12 Jul 2023 47 2,287.49 48.45 2,277.15 10.34 ST

12 Apr 2024 23 1,119.41 48.91 1,124.93 (5.52) ST

09 May 2024 89 4,331.63 48.78 4,341.42 (9.79) ST

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

See additional footnotes on the last page of the Holdings section. Page 13 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

FIXED INCOME (continued)

Est. Accrued Inc.

Acquisition Unrealized

Description Date Quantity Price Market Value Unit Cost Cost Basis Gain/Loss Est. Annual Inc.

TOTAL FIXED INCOME $258,574.28 $282,968.19 ($24,393.91) --

$10,995.55

Total Account Value : $421,823.37

Unless otherwise noted, all positions are held in your cash account. F - TEFRA Account G - Good Faith Account I - Income Account L - Non Purpose Loan Account
M - Margin Account R - DVP/RVP Account S - Short Account

AI Pricing Method: a – Net Investment b – Appraised Value c – The firm did not receive price information compliant with applicable reporting requirements.
A - Average Cost B - Adjusted for Amortization or Accretion D - Acquisition Date = Date of Death E - Adjusted for Option Exercise or Assignment K - Gifted Security LT - Long Term
MT - Mixed Term N - Noncovered Provide - Please provide this information ST - Short Term T - Cost Basis provided by Third Party W - Adjusted for Wash Sale

* A large number of tax lots exist for the securities denoted with an asterisk. Individual tax lots are available by calling the appropriate number on the front of this statement.

Page 14 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Activity

CASH FLOW SUMMARY

Description This Period Year-to-Date

Opening Cash Balance $3,975.01 $5,343.86

Trade and Investment Activity 0.00 26,945.20

Income 948.59 4,531.75

Cash Deposits 500.00 3,000.00

Total Credits $1,448.59 $34,476.95

Trade and Investment Activity (461.46) (33,333.46)

1
Fees (317.34) (1,842.55)

Total Debits ($778.80) ($35,176.01)

Net Cash Activity $669.79 ($699.06)

CLOSING CASH BALANCE $4,644.80 $4,644.80

“Opening Cash Balance” and “Closing Cash Balance” include Sweep Funds.

1 Account fees, management fees, and debit interest are included. Trade related fees charged
by brokers and commissions impact the total cost or proceeds of your trades and are not
included here.

See additional footnotes on the last page of this account. Page 15 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

TRADE AND INVESTMENT ACTIVITY

For transaction descriptions that direct you to "See Note on Back", the notes will be located in the “Messages” section within “Important Information”.

Trade Date Transaction

Settle Date Closing Method Description Quantity Price Cost Proceeds

03 Jun 2024 REINVEST ALLSPRING CORE BOND FUND 4.627 (50.20)

03 Jun 2024 CLASS R6 REINVEST PRICE $

10.85

Symbol: WTRIX

03 Jun 2024 REINVEST PIMCO INCOME FD 2.08 (21.82)

03 Jun 2024 INSTL CL REINVEST PRICE $

10.49

Symbol: PIMIX

03 Jun 2024 REINVEST VANGUARD BOND INDEX FD 0.257 (2.42)

03 Jun 2024 INC TOTAL BD MARKET IDX

FDADMIRAL REINVEST PRICE $

9.42

Symbol: VBTLX

03 Jun 2024 REINVEST VANGUARD CHARLOTTE FDS 4.603 (89.02)

03 Jun 2024 TOTAL INTL BD INDEX FD

ADMIRAL CL REINVEST PRICE $

19.34

Symbol: VTABX

28 Jun 2024 REINVEST SIX CIRCLES TR 21.718 (181.78)

28 Jun 2024 GLOBAL BD FD REINVEST PRICE

$ 8.37

Symbol: CGLBX

28 Jun 2024 REINVEST SIX CIRCLES TR 1.79 (17.72)

28 Jun 2024 ULTRA SHORT DURATION FD

REINVEST PRICE $ 9.90

Symbol: CUSDX

28 Jun 2024 REINVEST SIX CIRCLES TRUST 11.219 (98.50)

28 Jun 2024 CREDIT OPPORTUNITIES FUND

REINVEST PRICE $ 8.78

Symbol: CRDOX

Total Securities Bought & Sold

See additional footnotes on the last page of this account. Page 16 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

TRADE AND INVESTMENT ACTIVITY (continued)

Trade Date Transaction

Settle Date Closing Method Description Quantity Price Cost Proceeds

Total Other Investment Activity ($461.46)

TOTAL TRADE AND INVESTMENT ACTIVITY ($461.46)

INCOME

Taxable and non-taxable income classifications are based on the characteristics of the underlying securities and not the taxable status of the account.

Income from Taxable Investments

Date Transaction Description Quantity Rate Debit Amount Credit Amount Net Amount

03 Jun 2024 DIVIDEND ALLSPRING CORE BOND FUND 50.20 50.20

CLASS R6 RECORD 05/31/24

PAY 05/31/24

Symbol: WTRIX

03 Jun 2024 DIVIDEND PIMCO INCOME FD 21.82 21.82

INSTL CL RECORD 05/31/24

PAY 05/31/24

Symbol: PIMIX

03 Jun 2024 DIVIDEND VANGUARD BOND INDEX FD 2.42 2.42

INC TOTAL BD MARKET IDX

FDADMIRAL RECORD 05/31/24

PAY 05/31/24

Symbol: VBTLX

03 Jun 2024 DIVIDEND VANGUARD CHARLOTTE FDS 89.02 89.02

TOTAL INTL BD INDEX FD

ADMIRAL CL RECORD 05/30/24

PAY 06/03/24

Symbol: VTABX

05 Jun 2024 DIVIDEND VANGUARD INTERMEDIATE 105 0.2992 31.42 31.42

TERM CORPORATE BOND ETF

CASH DIV ON 105 SHS REC

06/03/24 PAY 06/05/24

Symbol: VCIT

05 Jun 2024 DIVIDEND VANGUARD SCOTTSDALE FUNDS 146 0.2025 29.57 29.57

VANGUARD LONG TERM TREASURY

See additional footnotes on the last page of this account. Page 17 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Income from Taxable Investments (continued)

Date Transaction Description Quantity Rate Debit Amount Credit Amount Net Amount

VANGUARD SCOTTSDALE FUNDS

ETF CASH DIV ON 146 SHS REC

06/03/24 PAY 06/05/24

Symbol: VGLT

05 Jun 2024 DIVIDEND VANGUARD TOTAL BOND 443 0.219 97.00 97.00

MARKET ETF CASH DIV ON 443

SHS REC 06/03/24 PAY

06/05/24

Symbol: BND

05 Jun 2024 DIVIDEND VANGUARD TOTAL 926 0.0959 88.80 88.80

INTERNATIONAL BOND ETF CASH

DIV ON 926 SHS REC 06/03/24

PAY 06/05/24

Symbol: BNDX

07 Jun 2024 DIVIDEND ISHARES TRUST 45 0.2764 12.44 12.44

ISHARES 7 10 YEAR TREASURY

BOND ETF CASH DIV ON 45 SHS

REC 06/03/24 PAY 06/07/24

Symbol: IEF

10 Jun 2024 DIVIDEND ISHARES TRUST 92 0.3002 27.62 27.62

ISHARES MBS ETF CASH DIV ON

92 SHS REC 06/03/24 PAY

06/07/24

Symbol: MBB

27 Jun 2024 DIVIDEND J P MORGAN EXCHANGE 62 0.4306 26.69 26.69

TRADED FD TR BETABUILDERS

CDA ETF NEW CASH DIV ON 62

SHS REC 06/25/24 PAY

06/27/24

Symbol: BBCA

27 Jun 2024 DIVIDEND J P MORGAN EXCHANGE 86 0.517 44.46 44.46

TRADED FD TR BETABUILDERS

DEVELOPED ASIA PACIFIC EX

JAPAN ETF CASH DIV ON 86

SHS REC 06/25/24 PAY

06/27/24

Symbol: BBAX

See additional footnotes on the last page of this account. Page 18 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Income from Taxable Investments (continued)

Date Transaction Description Quantity Rate Debit Amount Credit Amount Net Amount

27 Jun 2024 DIVIDEND J P MORGAN EXCHANGE 107 1.0278 109.97 109.97

TRADED FD TR BETABUILDERS

EUROPE ETF NEW CASH DIV ON

107 SHS REC 06/25/24 PAY

06/27/24

Symbol: BBEU

28 Jun 2024 DIVIDEND SIX CIRCLES TR 181.78 181.78

GLOBAL BD FD RECORD

06/26/24 PAY 06/28/24

Symbol: CGLBX

28 Jun 2024 DIVIDEND SIX CIRCLES TR 17.72 17.72

ULTRA SHORT DURATION FD

RECORD 06/26/24 PAY

06/28/24

Symbol: CUSDX

28 Jun 2024 DIVIDEND SIX CIRCLES TRUST 98.50 98.50

CREDIT OPPORTUNITIES FUND

RECORD 06/26/24 PAY

06/28/24

Symbol: CRDOX

Total Dividends $929.43 $929.43

TOTAL INCOME FROM TAXABLE INVESTMENTS $929.43 $929.43

..

Total Income $929.43 $929.43

DEPOSITS AND WITHDRAWALS

Cash

Date Date Cleared Transaction Description Withdrawal Value Deposit Value

03 Jun 2024 ACH CREDIT BANKLINK 500.00

ACH PULL 45906324

See additional footnotes on the last page of this account. Page 19 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

Cash (continued)

Date Date Cleared Transaction Description Withdrawal Value Deposit Value

TOTAL CASH DEPOSITS AND WITHDRAWALS $500.00

Total Deposits and Withdrawals $500.00

Price and Values displayed are calculated based on the closing price on the day of the transaction.

FEES

Date Description Debit Amount Credit Amount

24 Jun 2024 Advisory Fee For (317.34)

05-01-2024 TO 05-31-2024

Applied Annual Fee 1.0000%

With 10.00% Discount

1 ($317.34)
TOTAL FEES

1 Account fees, management fees, and debit interest are included. Trade related fees charged by brokers and commissions impact the total cost or proceeds of your trades and are not included here.

SWEEP PROGRAM ACTIVITY

J P MORGAN DEPOSIT SWEEP MGD,JPMORGAN CHASE BANK NA,Symbol: QCPCM

Date Transaction Description Quantity Price Debit Amount Credit Amount

OPENING BALANCE 3,975.01 1

03 Jun 2024 PURCHASE INTRA-DAY DEPOSIT 500 (500.00)

03 Jun 2024 INTEREST MONTHLY INTEREST 19.16

05/01-05/31

03 Jun 2024 REINVEST MONTHLY INTEREST 19.16 (19.16)

REINVESTED

05 Jun 2024 PURCHASE INTRA-DAY DEPOSIT 246.79 (246.79)

07 Jun 2024 PURCHASE INTRA-DAY DEPOSIT 12.44 (12.44)

10 Jun 2024 PURCHASE INTRA-DAY DEPOSIT 27.62 (27.62)

See additional footnotes on the last page of this account. Page 20 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &
TFR ON DEATH JOINT (Acct # 842-70535) FENGDUO LIU JTWROS TOD Statement Period: June 01 - June 28, 2024

J.P. Morgan Core Advisory Portfolio

J P MORGAN DEPOSIT SWEEP MGD,JPMORGAN CHASE BANK NA,Symbol: QCPCM (continued)

Date Transaction Description Quantity Price Debit Amount Credit Amount

25 Jun 2024 REDEMPTION INTRA-DAY WITHDRWAL (317.34) 317.34

27 Jun 2024 PURCHASE INTRA-DAY DEPOSIT 181.12 (181.12)

CLOSING BALANCE 4,644.8 1

SWEEP PROGRAM ACTIVITY ($987.13) $317.34

Sweep Program Dividend/Interest $19.16

A - Average Cost B - Adjusted for Amortization or Accretion D - Acquisition Date = Date of Death E - Adjusted for Option Exercise or Assignment K - Gifted Security LT - Long Term
MT - Mixed Term N - Noncovered Provide - Please provide this information ST - Short Term T - Cost Basis provided by Third Party W - Adjusted for Wash Sale
Closing Methods: MLMG - Maximum Loss, Minimum Gain LIFO - Last In, First Out FIFO - First In, First Out HC - High Cost LC - Low Cost
LTHC - Long Term, High Cost PRO - Pro Rata VSP - Specific Match (the closing transaction was specifically matched to this lot)

Page 21 of 38

Please read the important disclosures at the end of the statement. For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Additional Contact Information

Account(s) Contact Custodian

TFR ON DEATH JOINT (84270535) Janice Wong J.P. Morgan Securities LLC

(Private Client Advisor) Member FINRA and SIPC

(773) 927 7273 PO Box 1762, Mail Code: IL1-0291

Chicago, IL, 60603-5506

(888) 994 5626

www.chase.com

Page 22 of 38

For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages

TRADE AND INVESTMENT ACTIVITY DESCRIPTION NOTES

"S" The transaction described is subject to the U.S Treasury or Agency Debt and Agency MBS fails charge trading practice published by TMPG and SIFMA at

'http://www.sifma.org/capital_markets/docs/Fails-Charge-Trading-Practice.pdf' and

'http://www.sifma.org/Services/Standard-Forms-and-Documentation/Securitized-Products/Securitized-Products-Fails-Charge-Trading-Practice'

"I" J.P.Morgan Securities LLC (JPMS) receives compensation for directing customer orders for equity securities. The source and nature of such compensation received on this transaction, if any, will be furnished

to you upon written request.

"U" You may be eligible for breakpoint discounts based on the size of your purchase, current holdings or future purchases. The sales charge you paid may differ slightly from the Prospectus

disclosed rate due to rounding calculations. Please refer to the Prospectus, Statement of Additional Information or contact us for further information.

"V" A paper copy of the offering document relating to this transaction is available, upon request, by calling 1-866-803-9204 during normal business hours.

"W" The securities have not been registered under the US Securities Act of 1933, any may only be offered and sold pursuant to registration under the 1933 Act or an available exemption

therefrom or in accordance with Regulation S.

"X" These securities have not been registered under the US Securities Act of 1933, and were issued pursuant to the exemption provided by Section 3(c)(7) of the Investment Company Act

of 1940. The securities may only be offered and sold (i) pursuant to registration under the 1933 Act of an exemption there from and (ii) in compliance with the provisions of Section 3(c)(7).

"Y" To obtain a paper copy of the official statement, please call 877-430-3544 for domestic accounts or 347-643-6233 for international accounts. Alternatively, you may call the number on this statement.

"Z" JPMS or an affiliate is a market maker in the security. As a market maker, JPMS or its affiliate may have acted as principal, may have had a long or short position in the security, and may have profited or lost in

connection with the transaction.

MANAGER ALLOCATION

The following definitions are provided for your reference:

• JPMC Managed: Includes mutual funds, exchange-traded funds (ETFs) and other registered funds that are managed by JPMorgan Chase & Co. (JPMC). This does not include J.P. Morgan Cash

& Liquidity Funds or Six Circles Funds.

• JPMC Cash & Liquidity Funds: Includes cash, JPMC deposit sweeps and JPMC money market mutual funds.

• Third-Party Managed & Other: Includes mutual funds, ETFs, separately managed accounts and other investments that are managed or issued by companies other than JPMC.

• Six Circles Funds: Mutual funds managed by JPMC and sub-advised by third-parties; JPMC does not retain a fee for fund management or other fund services.

• JPMC Separately Managed Account (SMA): Includes fixed income, equity and alternative SMAs managed by JPMC.

Please note that the manager allocation for the strategies listed below will reflect the expected targeted allocations for each investment portfolio, rather than the actual allocations. While these targets are generally

indicative of actual holdings, differences may arise due to factors such as relative asset performance prior to portfolio rebalancing:

• J.P. Morgan Core Advisory Portfolio models that contain an SMA component; and

• Select Advisory Strategies model-based strategies.

FRACTIONAL SHARES

Fractional Shares will not be adjusted for certain corporate actions. Any remaining position less than 1 share will be liquidated.

Page 23 of 38

For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

LARGE TRADER REPORTING

A "large trader" is a legal entity or natural person who, directly or indirectly, through the exercise of investment discretion, effects transactions in the National Market System (NMS) securities that equal or exceed

either:

• 2 million shares or $20 million during any calendar day; OR

• 20 million shares or $200 million over any calendar month.

The U.S. Securities and Exchange Commission (SEC) Rule 13h-1 Large Trader Reporting System requires U.S. and non-U.S. market participants who meet the definition of large trader to:

• File an electronic Form 13H with the SEC (via EDGAR) to obtain a large trader identification number (LTID); and

• Promptly disclose to U.S. broker-dealers that execute trades or carry accounts for the large trader, their LTIDs and the accounts to which the LTIDs apply.

If you are a large trader and have completed a Form 13H, you will receive an LTID from the SEC. In order to ensure that LTID's are captured and reported as required under the SEC rule, you are required to

promptly report your LTID to us and identify each account to which the LTID should be applied.

ELECTRONIC FUNDS TRANSFER NOTICE

In case of errors or questions about electronic fund transfers to/from your account (via the Automated Clearing House (ACH) Network), your account statement or transaction record, please call us immediately at

1-800-392-5749 or write to us at J.P. Morgan Securities LLC, PO Box 1762, Mail Code: IL1-0291, Chicago, IL 60690-1762.

Please provide the following information:

1. Your name and account number,

2. The dollar amount of the suspected error, and

3. A description of the error or the transfer you are unsure about; please explain as clearly as you can why you believe it is an error or why you need more information.

Please note: We must hear from you no later than 60 days after we sent the first account statement on which the problem or error appeared. If you tell us verbally, we may require that you send us your complaint

or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we

may take up to 45 days to investigate your complaint or question; for errors involving new accounts or foreign-initiated transactions, we may take up to 90 days to investigate. If we decide to do this, we will credit

your account within 10 business days for the amount you think is in error (new accounts may take up to 20 days). However, if we ask you to put your complaint or question in writing and we do not receive it within

10 business days, we may not credit your account. If we determine at the conclusion of the investigation that there was no error, we will charge your account for the credited amount. We will tell you the results

within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

INVESTMENT RESTRICTIONS IN MANAGED ACCOUNTS

You can choose not to invest in certain trades, industries or securities. If you would like to add, change or remove a "Do Not Buy" investment restriction in your managed account, please call the appropriate

number on the front of this statement.

Page 24 of 38

For questions, please contact us using the information provided on the front of this statement.

STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

EXTENDED HOURS TRADING RISK DISCLOSURE

You should consider the following points before engaging in extended hours trading. "Extended hours trading" means trading outside of "regular trading hours." "Regular trading hours" generally means the time

between 9:30 a.m. and 4:00 p.m. Eastern Standard Time.

Risk of Lower Liquidity. Liquidity refers to the ability of market participants to buy and sell securities. Generally, the more orders that are available in a market, the greater the liquidity. Liquidity is important because

with greater liquidity it is easier for investors to buy or sell securities, and as a result, investors are more likely to pay or receive a competitive price for securities purchased or sold. There may be lower liquidity in

extended hours trading as compared to regular market hours. As a result, your order may only be partially executed, or not at all.

Risk of Higher Volatility. Volatility refers to the changes in price that securities undergo when trading. Generally, the higher the volatility of a security, the greater its price swings. There may be greater volatility in

extended hours trading than in regular market hours. As a result, your order may only be partially executed, or not at all, or you may receive an inferior price in extended hours trading than you would during regular

market hours.

Risk of Changing Prices. The prices of securities traded in extended hours trading may not reflect the prices either at the end of regular market hours, or upon the opening the next morning. As a result, you may

receive an inferior price in extended hours trading than you would during regular market hours.

Risk of Unlinked Markets. Depending on the extended hours trading system or the time of day, the prices displayed on a particular extended hours trading system may not reflect the prices in other concurrently

operating extended hours trading systems dealing in the same securities. Accordingly, you may receive an inferior price in one extended hours trading system than you would in another extended hours trading

system.

Risk of News Announcements. Normally, issuers make news announcements that may affect the price of their securities after regular trading hours. Similarly, important financial information is frequently

announced outside of regular trading hours. In extended hours trading, these announcements may occur during trading, and if combined with lower liquidity and higher volatility, may cause an exaggerated and

unsustainable effect on the price of a security.

Risk of Wider Spreads. The spread refers to the difference in price between what you can buy a security for and what you can sell it for. Lower liquidity and higher volatility in extended hours trading may result in

wider than normal spreads for a particular security.

IMPORTANT INFORMATION REGARDING PURCHASES INDICATED AS AVERAGE PRICE

Your orders are processed in either (1) one execution at the confirmed price or (2) more than one execution, in which case the confirmed price is an average price. Please contact your J.P. Morgan representative

for details regarding actual prices.

EDELIVERED TRADE CONFIRMATIONS

As a reminder, if you've elected to receive trade confirmations by electronic delivery, you can find current and past copies online in the Trade Confirmations section under Statements & Documents. You can also

find disclosures and important information about those trades, via a link on that page titled "See important disclosures for your confirmations".

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

CUSTOMER FREE CREDIT BALANCES

For accounts that are held at JPMS, customer free credit balances may be used in this firm's business subject to the limitation of 17CFR Section 240.15c3-3 under the Securities Exchange Act of 1934. You have

the right to receive from us in the course of normal business operation, upon demand, the delivery of:

• any free credit balances to which you are entitled

• any fully-paid securities to which you are entitled

• any securities purchased on margin upon full payment of any indebtedness to us

For clients enrolled in a sweep program, the balance in any bank deposit account or shares of any money market mutual fund in which you have a beneficial interest can be withdrawn or liquidated on your order

and the proceeds returned to your securities account or remitted to you.

If this is a margin account and we maintain a special memorandum account for you, this is a combined statement of your general account and a special memorandum account maintained for you under Section

220.6 of Regulation T issued by the Board of Governors of the Federal Reserve System. The permanent record of this separate account, as required by Regulation T, is available for your inspection.

Unless we hear from you to the contrary, it is our understanding that any free credit balances in your account are being maintained to facilitate your intention to invest such amounts through us.

IMPORTANT INFORMATION ABOUT YOUR INVESTMENTS AND POTENTIAL CONFLICTS OF INTEREST

Conflicts of interest will arise whenever J.P. Morgan Chase & Co. or any of its affiliates (together, "J.P. Morgan") has an actual or perceived economic or other incentive in its management of clients' portfolios to

act in a way that benefits J.P. Morgan. Conflicts will result, for example (to the extent the following activities are permitted in the account): (1) when J.P. Morgan invests in an investment product, such as a mutual

fund, exchange-traded fund ("ETF"), structured product, separately managed account or hedge fund issued or managed by an affiliate, such as J.P. Morgan Investment Management Inc. ("JPMIM"); (2) when a

J.P. Morgan entity obtains services, including trade execution and trade clearing, from an affiliate; (3) when J.P. Morgan receives payment as a result of purchasing an investment product for a client's account; or

(4) when J.P. Morgan receives payment for providing services (including shareholder servicing, recordkeeping or custody) with respect to investment products purchased for a client's portfolio. Other conflicts will

result because of relationships that J.P. Morgan has with other clients or when J.P. Morgan acts for its own account.

JPMIM or its affiliates may be sponsors or managers of ETFs and other registered funds ("J.P. Morgan Funds") that J.P. Morgan purchases for the client's portfolio. In such case, JPMIM or its affiliates receive a

fee for managing the J.P. Morgan Funds. Because fees paid to JPMIM and its affiliates will be offset against the advisory account fee, J.P. Morgan will keep no more revenue when the client's portfolio is invested

in J.P. Morgan Funds than when it is invested in third party funds.

All funds have various internal fees and other expenses, that are paid by managers or issuers of the funds or by the fund itself, but that ultimately are borne by the investor. J.P. Morgan may receive administrative

and servicing and other fees for providing services to both J.P. Morgan Funds and third party funds, if applicable, that are held in the client's portfolio. These payments may be made by sponsors of funds

(including affiliates of JPMIM) or by the funds themselves and may be based on the value of the funds in the client's portfolio. Funds or their sponsors may have other business relationships with J.P. Morgan

outside of its portfolio management role or with the broker-dealer affiliates of J.P. Morgan, which may provide brokerage or other services that pay commissions, fees and other compensation.

J.P. Morgan has an incentive to allocate assets to new J.P. Morgan Funds to help it develop new investment strategies and products. J.P. Morgan has an incentive to allocate assets of the portfolios to a J.P.

Morgan Fund that is small, pays greater fees to J.P. Morgan affiliates or to which J.P. Morgan has provided seed capital. In addition, J.P. Morgan has an incentive not to sell or withdraw portfolio assets from a J.P.

Morgan Fund in order to avoid or delay the sale or withdrawal's adverse impact on the fund. Accounts managed by J.P. Morgan have significant ownership in certain J.P. Morgan Funds. J.P. Morgan faces

conflicts of interest when considering the effect of sales or redemptions on such funds and on other fund shareholders in deciding whether and when to redeem its shares. A large sale or redemption of shares by

J.P. Morgan acting on behalf of its clients could result in the underlying J.P. Morgan Fund selling securities when it otherwise would not have done so, potentially increasing transaction costs and adversely

affecting fund performance. A large sale or redemption could also significantly reduce the assets of the fund, causing decreased liquidity and, depending on any applicable expense caps, a higher expense ratio, or

liquidation of the fund. J.P. Morgan has policies and controls in place to govern and monitor its activities and processes for identifying and managing conflicts of interest.

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 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

Investment Advisory Accounts (Other Than J.P. Morgan Automated Investing)

Investment strategies are selected from both J.P. Morgan and third-party asset managers and are subject to a review process by our manager research teams. From this pool of strategies, our portfolio

construction teams select those strategies we believe fit our asset allocation goals and forward looking views in order to meet the portfolio's investment objective.

As a general matter, we prefer J.P. Morgan managed strategies. We expect the proportion of J.P. Morgan managed strategies will be high (in fact, up to 100 percent) in strategies such as, for example, cash and

high-quality fixed income, subject to applicable law and any account-specific considerations.

While our internally managed strategies generally align well with our forward looking views, and we are familiar with the investment processes as well as the risk and compliance philosophy of the firm, it is

important to note that J.P. Morgan receives more overall fees when internally managed strategies are included. We offer the option of choosing to exclude J.P. Morgan managed strategies (other than cash and

liquidity products) in certain portfolios.

The Six Circles Funds are mutual funds managed by J.P. Morgan and sub-advised by third parties. Although considered internally managed strategies, J.P. Morgan does not retain a fee for fund management or

other fund services.

J.P. Morgan Automated Investing Accounts

When selecting ETFs for this program, this program's portfolio manager limits its selection to J.P. Morgan ETFs. As a result, this program's portfolio manager will choose J.P. Morgan ETFs even in cases where

there are third party ETFs that are less expensive, or that have longer track records or superior historical returns. J.P. Morgan has a conflict of interest when it determines the portfolio's target asset classes, asset

allocation goals or ongoing allocations, because it will allocate only to asset classes where J.P. Morgan ETFs are available.

The clients' portfolios will contain 100% J.P. Morgan ETFs. You should not invest in this program if you are not comfortable holding an investment portfolio that is comprised of 100% J.P. Morgan ETFs. It is

important to note that J.P. Morgan will receive more overall fees when J.P. Morgan ETFs are used. Additionally, the J.P. Morgan ETFs in this program are not required to be reviewed or approved by the research

process applicable to other programs for which J.P. Morgan Securities LLC ("JPMS") serves as investment adviser. Consequently, investment decisions regarding J.P. Morgan ETFs for the program will be

different from, and may, in certain circumstances, be inconsistent with, the investment decisions made by J.P. Morgan for other advisory programs. Furthermore, the J.P. Morgan ETFs used in this program may

or may not be approved for solicitation in the JPMS full service brokerage platform.

These conflicts may be heightened by the collaboration of this program's portfolio manager and the portfolio managers of the J.P. Morgan Funds in designing portfolios for this program.

Please review the JPMS and JPMIM ADV brochures located at www.adviserinfo.sec.gov for additional important information regarding this program and its conflicts of interest.

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

MARGIN ACCOUNT REMINDERS

If you own a margin account, we would like to remind you that:

Securities and other assets in your account are our collateral for any margin loan made to you. If the securities and other assets in your account decline in value, so does the value of the collateral supporting your

loan, and, as a result, we can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held at J.P. Morgan Securities LLC to maintain the required equity in your

account. It is important that you fully understand the risks involved in trading securities on margin. These risks include the following:

• You can lose more funds than you deposit in your margin account.

• We can force the sale of securities or other assets in your account(s).

• We can sell your securities or other assets without contacting you.

• You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call.

• We can increase our "house" maintenance margin requirements at any time and are not required to provide you with advance written notice.

• You are not entitled to an extension of time on a margin call.

Further, if you have a margin account with us, as permitted by law we may use certain securities in your account for, among other things, settling short sales and lending the securities for short sales, and as a

result may receive compensation in connection therewith. If you carry a margin balance, your account statement will reflect the current annual interest rate applicable to your margin loan. Please review the current

rate, as under certain circumstances the rate may change without advance notice. If you have any questions or concerns about your current interest rate, please speak to your J.P. Morgan representative.

If you are a customer with a margin account, you have consented to our right (to the extent permitted by applicable law) to use, lend or pledge any securities held by J.P. Morgan Securities LLC in your margin

account. In certain circumstances, such loans or other use may limit, in whole or in part, your ability to receive dividends directly from the issuing company and/or your right to exercise voting and other attendant

rights of ownership with respect to the loaned, sold or pledged securities. Such circumstances include, but are not limited to, loans of securities that you own in your margin account that continue over record dates

for voting purposes and ex-dividend dates for dividend distributions. If you do not receive dividends directly from the issuing company, you may receive payments-in-lieu of dividends, which could cause you to lose

the benefit of the preferential tax treatment accorded to dividends.

TRADING AWAY AND ASSOCIATED COSTS

If Portfolio Managers select broker-dealers other than JPMS or its affiliates to place trades, which is known as "trading away", you may incur trading costs in addition to the advisory fee charged by JPMS. Incurred

trading away costs will not be identified separately on your account statement because they are incorporated into the net price of the trade. Please note that fixed income securities are primarily traded away. More

information on trading away, including summary trading away information for Portfolio Managers, is available in the Trading Practices Disclosures for Wrap Fee Programs document at

chase.com/managed-account-disclosures.

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

IMPORTANT INFORMATION ABOUT AUTOMATIC REINVESTMENTS

Automatic Reinvestment transactions excluding those conducted by DTC or in open ended mutual funds are processed by J.P. Morgan Securities LLC (JPMS) on an agency basis.

JPMS provides you with the ability to enroll in a program to re-invest any and all dividend, capital gains and return of capital distributions (collectively "Distributions") for securities eligible for participation (the

Program). By participating in the Program, all dividends and capital gains distributions paid on eligible accounts or individual securities you have selected will automatically be reinvested into the shares of the same

security. The important terms of the Program include:

• Voluntary Participation. Participation in the Program is voluntary and you may modify or discontinue your participation at any time. You may enroll by specifying individual securities or have all eligible

securities in your account participate in the Program; modify your elections; or unenroll from the Program through the website or by contacting your PCA or FA.

• Trade Execution. With the exception of open ended mutual funds, provided you are enrolled in the Program prior to the record date, JPMS reinvests the Distributions from an eligible security on the

pay date of the Distribution, at an average weighted price. For certain securities, reinvestment may occur through the Depository Trust Company (DTC), which may be later than the pay date. There

may be a difference in price depending on the whether the Program trade is made through J.P. Morgan or DTC. These transactions will post to your account when the shares are made available to

JPMS by DTC and will be reflected on your statement.

• No Fees. No commission or fee are charged for Program trades.

• Fractional Shares. JPMS will credit to your account the number of shares equal to the amount of your funds to be reinvested in a particular security divided by the purchase price per share. If made

available for your account, participation in the Program may give you interests in fractional shares of securities, which JPMS calculates to five decimal places. You will receive dividend payments

proportionate to your partial share holdings.

• Confirmation of Transactions. All Program trades will be reflected on monthly account statements. You will not receive separate immediate confirmations for Program trades. You may request the

details of any Program trade by contacting JPMS. Transactions that are not part of the Program will continue to receive confirmations contemporaneously with the trade.

• No Recommendation. The inclusion of any security in the Program is not a recommendation by JPMS to buy, hold or sell such security. Participation in the Program does not assure profits on your

investments and does not protect against loss in declining markets.

• Eligibility. Generally, all brokerage accounts are eligible for participation as are most equities, open ended mutual funds, closed end funds and ETFs. Any exclusions will be identified at the time you

are enrolled.

• Program Changes. Program participants will be notified in advance if there are any material changes to the Program though no notice may be given if there are changes to the eligibility of any

particular security.

ADVISORY AND PORTFOLIO MANAGER FEES

The Advisory Fee is an annualized asset-based fee that covers all advisory, administrative, custodial and brokerage services provided by JPMS. The Advisory Fee for Program Accounts will be computed and

payable monthly in arrears based upon the market value of all assets held in the Program account (including cash) on the last business day of the prior month. Changes in your account value, or the overall value

of the account assets in your relationship pricing group accounts, will cause fluctuations in the dollar amount of the fees charged from month to month.

The Manager Fee is an annualized asset-based fee that covers the portfolio management services provided by Managers, and could reflect a Portfolio Manager Fee or a Model Manager Fee. These Manager Fees

are in addition to the Advisory Fees and vary depending on the Manager and the Investment Strategy.

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

CHANGING CERTAIN INDICES USED FOR BENCHMARKING PERFORMANCE

After a thorough search and review, on July 1, 2024, we expanded the use of Solactive as a provider of broad-based indices. We believe that these Solactive indices are an appropriate measure for the markets in

which managed strategies invest.

As a result, certain performance benchmarks shown on J.P. Morgan's performance reports and other client documents have changed. This change will have no impact on the way your portfolio is managed.

Details about specific indices that are changing for managed strategies can be found in the list of Index Changes.

The new benchmarks have been reflected in your performance reports since July 1, 2024.

If you have questions, please contact your J.P. Morgan Advisor or call us at the number on the front of your statement.

Index Changes

FTSE NAREIT All Equity REITs Total Return Index => Solactive United States All Cap Index filtered for REITs excluding Mortgage REITs Index

Russell 1000 Growth Total Return Index => Solactive United States 1000 Growth Style Index

Russell 1000 Total Return Index => Solactive United States 1000 Index

Russell 1000 Value Total Return Index => Solactive United States 1000 Value Style Index

Russell 2000 Growth Index => Solactive GFS United States 2000 Growth Style MV Index

Russell 2000 Total Return Index => Solactive United States 2000 Index

Russell 2000 Value Total Return Index => Solactive United States 2000 Value Style Index

Russell 2500 Growth Total Return Index =>Solactive United States 2500 Growth Style Index

Russell 2500 Total Return Index => Solactive United States 2500 Index

Russell 2500 Value Total Return Index => Solactive United States 2500 Value Style Index

Russell 3000 Growth Total Return Index =>Solactive United States 3000 Growth Style Index

Russell 3000 Total Return Index => Solactive United States 3000 Index

Russell 3000 Value Total Return Index => Solactive United States 3000 Value Style Index

Russell Mid Cap Growth Total Return Index => Solactive United States 800 Growth Style Index

Russell Mid Cap Value Total Return Index => Solactive United States 800 Value Style Index

Russell Midcap Total Return Index => Solactive United States 800 Index

Page 30 of 38

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

SHORTENED SETTLEMENT CYCLE BRINGS INVESTOR BENEFITS

On May 28, many U.S. security settlement cycles transitioned from a two-day cycle (T+2) to a more efficient one-day cycle (T+1).

Accelerating the settlement cycle allows for a more streamlined and agile market and smoother trade executions, with benefits such as:

• Greater flexibility in your portfolio, as you can buy and sell eligible securities faster.

• 50% quicker access to payments from the sale of eligible securities.

• More secure transactions with minimized exposure to counterparty and market risk.

What you need to know

• Securities in the new T+1 settlement cycle include corporate and municipal bonds, unit investment trusts, exchange-traded funds, American Depositary Receipts, rights, warrants settling at the Depository Trust

Corporation (DTC), and non-agency Mortgage-Backed Securities (MBS) bonds.

• Securities not impacted by U.S. T+1 include firm commitment equity and debt offerings, U.S. government-issued securities, mutual funds, and security-based swaps.

• Spot foreign exchange transactions in most currency pairs remain at two-day processing. If you conduct U.S. securities transactions that require currency conversion, please review how to fund the transaction

with one-day processing to avoid settlement failures.

To ensure your transactions are covered to avoid overdrafts and trade failures with the new T+1 settlement cycle that took effect on May 28, you will need to:

• Make funds available one day earlier if you are purchasing securities.

• Have securities available (in good deliverable form) one day earlier if you are selling securities.

• Submit all allocations to J.P. Morgan by 7 p.m. Eastern Time on the trade date.

We're here to help

Please contact us at the number on the front of your statement if you have questions about how this change may affect you.

UPDATES TO THE MUTUAL FUND TRADING AGREEMENT

We made updates to the Mutual Fund Trading Agreement ("Agreement"). To access a current version of the Agreement, visit chase.com/mutualfundtrading.

If you have questions, please call us at the number on the front of your statement.

AN UPDATE TO THE SEC SECTION 31 TRANSACTION FEE

All exchange-listed equity and option sales are subject to a Section 31 transaction fee, which is set by the U.S. Securities & Exchange Commission (SEC). This fee is shown on trade confirmations.

Effective May 22, 2024, the SEC increased the rate of this fee from $0.000008 to $0.0002780. This fee is calculated by multiplying the principal amount of trade by the new rate.

If you have questions, please contact your J.P. Morgan Advisor(s) or call us at the number on the front of your statement.

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

AN UPDATE TO THE INVESTMENT ACCOUNT AGREEMENTS AND DISCLOSURES BOOKLET

We have made the following updates to the "Investment Advisory Agreement" that is part of our Investment Account Agreements and Disclosures Booklet ("Booklet"):

• In Section 2.E, "Confirmations, Statements, and Reports," language was added instructing J.P. Morgan Securities LLC to provide copies of the Advisory Account statements and/or electronic access to them, to

Portfolio Managers and/or agents under a power of attorney.

• In Section 11.A, "Brokerage," language was added to provide for the addition of fractional share trading.

To view the current version of the Booklet, visit chase.com/JPMorganAgreement. By keeping your advisory account open, you agree to the terms of the updated Booklet.

If you have questions, please contact your J.P. Morgan Advisor or call us at the number on the front of your statement.

BE AWARE OF THE LATEST SCAMS TARGETING OLDER ADULTS

Financial exploitation scams are one of the leading types of elder abuse. Perpetrators can be anyone, including caretakers, lawyers, business associates, new friends and even family members.

Learn more about the latest scams at chase.com/FinancialAbuse/wm.

REGARDING CHANGES TO YOUR SWEEP PROGRAM

Effective August 19, 2024, the description of the sweep on your account statement is being changed from either the "Chase Deposit Sweep or "JPMorgan Deposit Sweep" to the "JPMorgan Chase Deposit

Sweep" ("Deposit Sweep"). This change will not impact any of the current features of how the Deposit Sweep works. However, there may be transactions where funds appear to come out of the original sweep and

get deposited into the Deposit Sweep. If you have any questions, please contact your J.P. Morgan representative.

UPDATES TO THE GUIDE TO INVESTMENT SERVICES AND BROKERAGE PRODUCTS PART 1

We have updated our Guide to Investment Services and Brokerage Products (the "Guide") and the following is a summary of the those updates. To learn more, please review the current version of the Guide at

jpmorganinvestment.com.

Investment Accounts & Services

Under "A. Different Types of Investment Accounts," in "Brokerage Accounts," we replaced existing language with revised language stating our fiduciary obligations when we make investment recommendations to

you for your qualified retirement plan account or IRA. When we provide such fiduciary investment recommendations, we are required under a special rule to, among other things, act in your best interest and not

put our interest ahead of yours.

However, there are situations where we are not considered a fiduciary under this special rule, such as when we merely provide general investment information and education, or when you take an action not based

on our recommendation.

State-Specific Information

We added a new section, "C. Missouri and Wyoming," stating how Missouri and Wyoming have adopted rules that require us to provide disclosures and, in certain cases, obtain your consent, when we intend to

make investment-related decisions or recommendations that incorporate a social objective.

Investment Accounts & Services

• Under "D. Different Types of Advisory Accounts," we removed language noting the J.P. Morgan Automated Investing Program is expected to be decommissioned on or about April 20, 2024.

• Under "E. Advisory Account Fees," we removed language noting fees and costs associated with J.P. Morgan Automated Investing can be found at chase.com/online-investing-pricing.

Products Available for Brokerage Accounts - Fixed Income/Bonds and Structured Investments

• We added language indicating we may recommend certain investment products for a brokerage account, which are offered by a limited number of sponsors, managers, issuers, and providers after we have

conducted appropriate due diligence.

• Under "B. Fixed Income/Bonds," in "Description," we clarified there are different types of income products and the list in the Guide is illustrative of some, but not all, of the bonds available to investors and their

typical features.

• Under "B. Fixed Income/Bonds," in "Description," under "Municipal Bonds," we removed language stating municipal bonds are loans investors make to state and local governments.

• Under "B. Fixed Income/Bonds," in "Fees/Markups," we added U.S. government agency bonds as an asset class with a maximum mark-up ($/bond) of $1.50.

• Under "E. Structured Investments," in "Risks and other relevant information," we clarified structured products are subject to the issuer's and the guarantor's, if any, financial ability to meet their payout obligations.

Continued

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Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

UPDATES TO THE GUIDE TO INVESTMENT SERVICES AND BROKERAGE PRODUCTS PART 2

Products Available for Brokerage Accounts - Mutual Funds, Money Market Funds and Exchange-Traded Products (ETPs)

• Under "F. Mutual Funds," in "Fees & Expenses," under "Share Class Availability," we clarified no-load, institutional level share classes may be available to you through J.P. Morgan Wealth Management

asset-based fee advisory programs.

• Under "F. Mutual Funds," in "Fees & Expenses," under "Fees and expenses paid to or indirectly through the mutual fund," we clarified the definitions of a management fee and shareholder service fees.

• Under "F. Mutual Funds," in "Fees & Expenses," under "Compensation J.P. Morgan Securities LLC receives from mutual fund companies," we clarified mutual funds or their fund affiliates may pay us fees for

providing certain administrative services and/or recording but not responding to client inquiries, and that revenue sharing is separate from sales charges, 12b-1 fees and administrative servicing and/or

recordkeeping fees.

• Under "G. Money Market Funds," in "Description", we added new descriptions for mandatory liquidity fees and discretionary liquidity fees.

We also stated that when a fund has negative gross yield, as a result of negative interest rates, a stable Net Asset Value (NAV) fund, either institutional or retail, may (i) convert to a floating share price, or (ii)

reduce the number of its outstanding shares to maintain a stable NAV per share.

• Under "G. Money Market Funds," in "Fees & Expenses," under "Fees and expenses paid to or indirectly through a money market fund," we clarified the definitions of a management fee and shareholder service

fees. We also explain mandatory liquidity fees and discretionary liquidity fees.

• Under "G. Money Market Funds," in "Fees and expenses paid to or indirectly through a money market fund," we clarified the typical range of 12b-1 distribution fees for approved money market funds is

0%-0.50%, that administrative services and/or recordkeeping does not include responding to client inquiries, and that fees payable by fund companies for servicing and administrative fees may be bundled into one

fee, which may include up to a 0.25% shareholder service fee.

• Under "H. Exchange-Traded Products (ETPs)," in "Description," we removed "which are index funds or trusts that are listed on an exchange and linked to the collective performance of an entire stock or bond

portfolio."

Continued

UPDATES TO THE GUIDE TO INVESTMENT SERVICES AND BROKERAGE PRODUCTS PART 3

Products Available for Brokerage Accounts - Annuities, Life Insurance and Alternative Investments

• Under "I. Annuities," in "Types of Annuities," under "Fixed Rate Annuities," we changed "fixed annuities" references to "fixed rate annuities" and clarified when a fixed rate annuity may be a good choice.

• Under "I. Annuities," in "Types of Annuities," under "Buffered Annuities," we clarified "buffered annuities" are also known as "registered index-linked annuities."

• Under "I. Annuities," in "Fees," under "Fixed Indexed Annuities" we updated ranges for the living benefit and death benefit rider fees.

• Under "I. Annuities," in "Fees," under "Buffered Annuities" we added a fourth factor, stating buffered annuities typically do not have an explicit cost unless the product offers optional features available for an

additional charge, and added "Also, certain buffered annuities may, for an additional charge, offer segment investment option with greater upside potential."

• Under "I. Annuities," in "Fees," in "Paid to CIA and Advisors," under "New Sales and Additional Payments," we changed "fixed indexed annuities" to "fixed indexed annuities without income riders."

• Under "J. Life Insurance," in "Variable Life Insurance," we clarified the definition of a variable life insurance policy.

• Under "J. Life Insurance," we added a new section, "Buffered Life Insurance (Indexed Variable Universal Life Insurance)."

• Under "J. Life Insurance," in "Risks and other relevant information (Variable Life Insurance)," we clarified the policy and cash values of a variable life insurance policy if it is surrendered.

• Under "K. Alternative Investments," in "Hedge Funds, Private Equity Funds, Real Estate Funds," under "Description" we changed "other unregistered funds (including funds that invest in such funds) to "other

private funds (including, without limitation, funds that invest in such funds and business development companies (BDCs))," and clarified the scope of J.P. Morgan affiliates in terms of services provided to private

funds and any associated compensation.

• Under "K. Alternative Investments," in "Hedge Funds, Private Equity Funds, Real Estate Funds," under "Fees" we clarified that J.P. Morgan also earns a placement and/or servicing fee, paid by the private fund

(or sponsor of the private fund) whose interests are being offered, in an amount of up to 3% of the amounts invested by J.P. Morgan clients.

• Under "K. Alternative Investments," in "Private Investments," under "Risks and other relevant information," we added "Additionally, the amount of compensation paid to J.P. Morgan will vary by private fund, so

more compensation may be received for selling one private fund versus another, creating a potential conflict."

Continued

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STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Messages (continued)

UPDATES TO THE GUIDE TO INVESTMENT SERVICES AND BROKERAGE PRODUCTS PART 4

Compensation & Potential Conflicts

• Under "B. J.P. Morgan Private Client Advisor Compensation," in "Cash Compensation," we clarified the grid rate is based on monthly revenue levels and ranges from 22% to 35%, and that there are some

exceptions on this rate and revenue credits for advisors.

• Under "B. J.P. Morgan Private Client Advisor Compensation," in "Special Compensation Awards," we clarified the net new money (NNM) award and how advisors who are in their first five years as a Private

Client Advisor may be eligible for a quarterly cash bonus.

• Under "F. Conflicts of Interest & Other Disclosures," we clarified that "ETPs" are "exchange-traded products."

As a reminder, the current Guide can be found in its entirety at jpmorganinvestment.com. If you have questions about these updates, please contact your J.P. Morgan Advisor or contact us at the number on the

front of your statement.

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STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

Important Information about Your Account Statement(s) from its purchase price. Accurate valuation information is not available. The total cost basis for each

security position and the unrealized gain/loss are provided solely as a general indication of performance

Unless otherwise indicated, accounts are held at J.P. Morgan Securities, LLC (JPMS), member FINRA
and should not be used for tax purposes or otherwise relied upon without the assistance of your tax

and SIPC. JPMS is not a member of the Federal Deposit Insurance Corporation (FDIC).
advisor. With respect to security positions received into your account, cost basis information, if any,

has been provided by you. Further information is available upon request.

NON-DISCRETIONARY: JPMS brokerage accounts are non-discretionary and all investment decisions

are made by the client. For managed accounts, discretionary services are provided by JPMS, an
You may hold positions where the original cost basis has been adjusted to reflect amortization or

affiliate or an authorized third party.

accretion.

ACCOUNT PROTECTION: As a member of the Securities Investor Protection Corporation For Regulated Investment Companies or Dividend Reinvestment Plan sales, for which the average price

(SIPC), JPMS provides account protection for the net equity of a customer’s funds and
method has been chosen, positions are closed out on a First-In-First-Out (FIFO) basis.

securities positions. SIPC provides $500,000 of primary net equity protection, including

$250,000 for claims for cash (SIPC Coverage). Account protection applies when a SIPC These statements are not official documents for income tax reporting purposes and should not be relied

member firm fails financially and is unable to meet its obligations to its securities customers, upon for such purposes, including determination of income, cost basis, amortization or accretion, or

but does not apply to losses from the rise or fall in the market value of investments or to SIPC gain/loss. Such information, which may be inaccurate, incomplete or subject to updating, should be

ineligible assets such as futures, options on futures, foreign exchange transactions, or any confirmed with your records and your tax advisor.

investment contracts that are not registered as securities or deposit account balances. For
DIVIDEND INCOME: Dividends credited to your account may include capital gains, non-taxable
more information about SIPC Coverage, including the SIPC Brochure, visit www.sipc.org
dividends and/or dividends on foreign stock. You may wish to consult your tax advisor with regard to
(follow the link to How SIPC Protects Investors) or call SIPC at (202) 371-8300.
your tax liability on these dividends.

CUSTODY: JPMS carries your account and acts as your custodian for funds and securities received,
ESTIMATED ACCRUED INCOME, ESTIMATED ANNUAL INCOME AND ESTIMATED YIELD
which have been deposited directly with us or received as a result of transactions we process for your
CALCULATIONS: The following calculation descriptions are provided for your reference. Please note
account. Inquiries regarding your Statement may be directed to JPMS at (347) 643-9953
that other factors may affect your specific calculations, so if you would like more information, please

As used in the course of these statements, “J.P. Morgan” is the global brand name for contact your J.P. Morgan representative or call us at the number on the front of this statement. In

JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide. general, Estimated Accrued Income is calculated by multiplying the current coupon rate with the

current face amount for the number of days since the bond’s last interest payment. Estimated Annual
MARKET PRICES: The market value of your holdings is as of the last business day of the statement
Income (EAI) is calculated by multiplying either the current coupon rate or an estimated annual

period or the last available price. Prices for determining market values represent estimates. These
dividend (generally calculated by annualizing the most recent regular cash dividend) by the quantity of

estimates are obtained from multiple sources deemed to be reliable. This information is not guaranteed
the security held. For balances other than sweep program balances, Estimated Yield (EY) is

for accuracy and is furnished for the exclusive use of the client.
calculated by dividing EAI by the market value of the security. You should also know that: (i) the figures

shown in this statement are estimates based on mathematical calculations using data obtained from
J.P. Morgan makes no representation, warranty or guarantee, express or implied, that any quoted value
outside sources; they are provided for informational purposes only, and are not a projection or
represents the actual terms at which securities could be bought or sold or new transactions could be
guarantee of future returns. (ii) because prices of securities, coupon and dividend rates are subject to
entered into, or the actual terms on which existing transactions or securities could be liquidated. Such
change at any time, these estimates should not be relied upon exclusively for making investment,
values are only indicative.
trading, or tax decisions. (iii) because different asset types (e.g., equities versus fixed income

ESTIMATED PRICING AND COST BASIS: Certain assets, including but not limited to, pooled and securities) tend to have different investment characteristics, these estimates should not be compared

private investments, non-publicly traded and infrequently traded securities, derivatives, partnership across asset types; (iv) EAI and EY for certain types of securities might include return of principal or

interests and tangible assets are generally illiquid, the value of such assets may have been provided to capital gains, in which case the EAI and EY would be overstated. There is no guarantee that your

us by third parties who may not be independent of the issuer or manager. Such information is reflected investments will actually generate the EAI or EY presented, and your actual income and yield might be

as of the last date provided to us, and is not independently verified. higher or lower.

Pricing estimates may be based on bids, prices within the bid offer spread, closing prices or matrix IMPORTANT INFORMATION REGARDING AUCTION RATE SECURITIES (ARS): ARS are debt or

methodology that uses data relating to other securities whose prices are more ascertainable to produce preferred securities with an interest or dividend rate reset periodically in an auction. Although there may

a hypothetical price based on the estimated yield spread relationship between the securities. Pricing be daily, weekly and monthly resets, there is no guarantee that there will be liquidity. If there are not

estimates do not constitute bids for any securities. Actual prices realized at sale may be more or less enough bids at an auction to redeem the securities available for sale, the result may be a failed auction.

than those shown on your statement. In the event of a failed auction, there is no assurance that a secondary market will develop or that the

security will trade at par or any other price reflected on statements and online. Accordingly, investors
Unpriced Direct Participation Program (DPP) and Real Estate Investment (REIT) Securities:

DPP and REIT securities are generally illiquid and the value of the security will, generally, be different

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STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

should not rely on pricing information appearing in their statements or online with respect to ARS. basis for any day that there is a net debit balance in your overall account. The calculation is made on a

When J.P. Morgan is unable to obtain a price from an internal or outside source for a particular ARS, 360-day basis at the rate or rates shown on the statement. Interest rates may be changed from time to

the price column on your statement will indicate “unpriced”. A description of J.P. Morgan’s practices time with fluctuating money market rates or for other reasons.

and procedures regarding ARS is available at www.jpmorgan.com/muniars.

DEBIT BALANCES: Please note that if you see a Debit Balance in the Assets and Liabilities Summary
VALUATIONS OF OVER-THE-COUNTER DERIVATIVE TRANSACTIONS: Valuations of
on this statement, we may be required to temporarily suspend dividend reinvestment plan (“DRIP”)
over-the-counter derivative transactions, including certain derivatives-related deposit products, have
functionality and/or liquidate securities held in your account to fund and eliminate the debit balance.
been prepared on a mid-market basis. These valuations are sourced from the various issuers of the
This message does not apply to approved Margin Accounts in good standing. If you have any
securities, affiliates or they are sourced from a third party valuation provider. J.P. Morgan expressly
questions, please call the appropriate number on the front of this statement.
disclaims any responsibility for (1) the accuracy of the models or estimates used in deriving the

valuations, (2) any errors or omissions in computing or disseminating the valuations, and (3) any uses FOR OPTIONS ACCOUNTS: Further information with respect to commissions and other charges

to which the valuations are put. Valuations are provided for information purposes only and are intended related to the execution of listed options transactions has been included on confirmation of such

solely for your own use. Please refer to the trade confirmation for details of each transaction. transactions previously available to you and such information will be made available to you promptly

upon written request.

UNPRICED SECURITIES: When we are unable to obtain a current value from an internal or outside

source for a particular security, the price column on your statement will indicate “Unpriced.” Although PARTIAL CALLS: If a partial call is made with respect to an issue of securities included in your

such securities may have value, please note that the value of a security indicated as “Unpriced” will not Accounts we will allocate the call by a method we deem fair and equitable.

be included in your overall current market value as reflected on the statement.

BEARER BONDS: If any securities held by us for your account are bearer obligations which have been

RESTRICTED SECURITIES: Restricted Securities (typically noted as "Restricted" or "RSTD" in the issued since December 31, 1982 with original maturities of more than one year, we agree that we will

security description) have not been registered under the Securities Act of 1933 and may not be "freely satisfy the conditions set forth in subdivisions (i), (ii) and (iii) of the Treasury Regulation Section

traded." Since restricted securities are subject to certain restrictions which may render them illiquid or 1.165-12(c)(3) and covenant that we will comply with the requirements of Treasury Regulation Section

less liquid than freely-tradable shares, there can be no assurance a secondary market exists. While we 1.165-12(c)(2)(iii) concerning the delivery of such bearer obligations.

typically use the value of the registered/unrestricted security of the same issuer and same class for
MESSAGE FOR ACCOUNTS WITH NON-US DOLLAR ACTIVITY: The holdings listed within each
statement (and other) reporting purposes, the price realizable in a sale of the securities may be less
asset class are segregated by currency. For Non-USD denominated holdings, both the USD and local
than the “Market Value” indicated and could be zero. No attempt has been made to independently value
currency valuations and total asset class valuations, as calculated by the exchange rate stated, are
the specific security subject to its restriction. Additionally, inclusion of pricing of these holdings will
provided. Activity will also be presented by currency. Non-USD activity will display both USD and local
result in the aggregated value of your portfolio as reflected on this report being overstated by an amount
currency valuations, as calculated based on the exchange rate of the activity date. All summary
equal to the difference (if any) between the value of the freely-traded underlying security and the actual
information presented in this statement is presented in USD, unless specifically noted as presented in
value of your restricted shares. For additional information on pricing, please see the “Market Prices”
non-USD currency.
paragraph above.

FINANCIAL STATEMENT: A financial statement for JPMS is available for your personal inspection at
THIRD PARTY INFORMATION: This statement contains (i) information obtained from multiple direct,
our office, or a copy will be mailed to you upon written request.
indirect, affiliated, unaffiliated, public and proprietary data sources (including, but not limited to

identifying information, market data, calculated data, reference data, valuations, ratings, coupon and
REPORTABLE TO THE INTERNAL REVENUE SERVICE: As required by law, at year end, we will
dividend rates and other fundamental data) and (ii) information which is calculated based upon such
report to you and to the Internal Revenue Service and to certain states, certain information on sales
information (including but not limited to, market values, Current Yield and Estimated annual income).
(including short sales), dividends, and various types of interest that have been credited to your account.

Although your Custodian believes these sources and the sources of market values are reliable, it does

not independently review or verify such information and neither your Custodian nor any source will have IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ACCOUNT STATEMENT: Please review

any duty or obligation to verify, correct, complete, or update any such information. Such information is this statement closely and contact us as soon as possible if you notice an error (including

being provided to you with all faults for use entirely at your own risk; without any warranty whatsoever by things like possible unauthorized trading activity, unrecorded dividend payments or improper

your Custodian, its affiliates or any such source. Neither your Custodian or its affiliates nor any such payments or transfers). In order to protect your rights, including any rights under the

source shall have any liability whatsoever relating to any inaccuracy or lack of timeliness or Securities Investor Protection Act (SIPA), you will be asked to provide details of the error in

completeness of such information or any use thereof or for omissions therefrom nor for any lost profits, writing, using the information provided on the front of this statement.

indirect, special or consequential damages. Moreover, such sources retain exclusive proprietary rights
In your written communication, please provide the following information: (1) your name and
in such information. You may use such information only for your internal use and purposes and not for
account number; (2) the dollar amount of the suspected error; and (3) a description of the
reuse (other than in connection with the transaction or position for which the information is provided) or
error. Periodic statements will be binding on you unless you report the suspected errors in
retransmission without prior written approval of the source, or for any unlawful or unauthorized purpose.
writing within 10 business days after the statement has been transmitted to you by mail or by

METHODS OF COMPUTING INTEREST ON DEBIT BALANCES: Interest is charged on a day by day electronic means. If you do not notify us within this time period, you agree the statement

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STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

 ZHIGUO LIANG &

Important Information FENGDUO LIU JTWROS TOD Statement Period : June 01 - June 28, 2024

activity and account balances are correct.

CHANGES TO YOUR INVESTMENT OBJECTIVES OR FINANCIAL SITUATION:

Please notify us as soon as possible if you experience a change in your investment objectives or overall

financial situation, if you would like to impose or modify reasonable investment restrictions on your

discretionary managed account, or if you have questions or concerns about the management of your

account. If we do not hear from you, we will consider the information we currently have on file to be

complete and accurate. You can review your current investment objectives, including investment

restrictions, and/or make any changes to the personal financial information we have on file for your

account anytime by calling the number listed on this statement. If you send us any written

correspondence, please be sure to include your account number.

CHANGES TO YOUR MAILING OR EMAIL ADDRESS: Please let us know as soon as possible when

there has been a change to your mailing or email address. You can update your account online at

chase.com (under “Profile & settings”) or by calling the number listed on this statement.

USA PATRIOT ACT: The USA PATRIOT Act requires that all financial institutions obtain certain

identification documents or other information in order to comply with their customer identification

procedures. Until you provide the required information or documents, we may not be able to open or

maintain an account or effect any transactions for you.

ASSETS: Subject to regulatory or other pre-agreed limitations, all or any part of the securities in your

account may have been used by us in securities financing transactions.

INFORMATION AVAILABLE UPON REQUEST: The date and time of the transaction and the name of

the person from whom the security was purchased, or to whom it was sold will be furnished upon

request.

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STATEMENT SUMMARY MANAGED IMPORTANT INFORMATION

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