EFTA00525369.pdf

18CS00003603923S0010 J.P. Morgan 00871 JPS 001 001 36518 - NNNNNNNNNNNN KARYNA SHUUAK Questions? For Full Service Accounts, Call Financial Advisor Ted Serure Branch Address 277 Park Avenue New York, NY. 10172 vnwr.ipmorgan.com More corded information on page 6 Statement Period September 29 - December 31, 2018 Account Number If you have any questions about your statement or concerns about your account. please call us at the toe free number provided above. $132,975 $116,205 $99,435 $82,665 565,895 Sa9 125 Investment Statement Account Value with Accruals Account Description Previous Period Brokerage 117,767.01 This Period 63,230.01 ACCOUNT VALUE $117,767.01 $63,230.01 See page 3 for footnotes and more detail. Account Value with Accruals (December 2017 to December 2018) 0 ‘7, F 8 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 NA. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS. INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED Page 1 of 16 Account rs 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 or convenience purposes only. For information about your JPMS account(s). pease refer to your official JPMS account statement(s), which follows this statement summary. Neither this statement ummary nor your official JPMS account statement(s) should be used for tax reporting purposes. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525369 This page is intentionally left blank. f.-& -eir‘gAtc61471.4-4.Z.13:-Ifft:-1,.e.O"-tex•radta ftf, 7.,- i-te$1‘244:-:--.re —vs, c--.-_-.; bar 4 ca I e--' •• iirssirtr :=:.---ortiitiOive vilfii! 4, \f- ; •••;!.i• 3/4-/I-7-• 4ist :AA .- \ /) :-.1 /' r l ......,.4 ...4 -c...>,........,.±e. ..vt ..-...-,.... 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J.I(pefralfre letl'ery tt. 3.. 411 glizel letb.‘4,VCe -... CM 4 “Ii(%,..... s... Iii4f. 011iP'N ‘C i iikCiiirgi*, 0, 45;4•4 : :; '''4‘;*,0 41.7 144%;WW:fre' qwa he g' irl: rieirevice..-Se......L..."...inc442--i• hittgk:Au*.licri-:- AItfict1a(sf!..:4-AractOgareA Page 2 016 EFTA00525370 J.P. Morgan Account Value With Accruals: $63,230.0 Statement Period September 29 - December 31, 2018 Last Statement September 28. 2018 Account Number KARYNA SHUUAK 301 E 66TH ST APT 8H NEW YORK NY 10065-6216 Account Activity Summary Description This Period Year-to-Date Beginning Account Value $117,767.01 $67,153.01 Deposits (Cash & Securities) 0.00 0.00 Withdrawals (Cash & Securities) 0.00 0.00 Net Deposits t Withdrawals $0.00 $0.00 Income 0.00 0.00 Fees 1 0.00 (95.00) Change In Investment Value (54,537.00) (3,828.00) ENDING ACCOUNT VALUE $63,230.01 $63,230.01 Net Accrued Income 0.00 0.00 Account Value With Accruals $63,230.01 $63,230.01 I Account fees. management fees. end 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, Fist Out (FIFO) Your Broker Dealer is J.P. MORGAN SECURMESLLC, 4 Chase Matrotech Center. Bnooktyn. 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 INDIVIDUAL Page 3 of 16 JPMorgan Chase Bank, N.A. and its affiliates (collectnely 'JPMCB“) offer investment products, which may include bank managed accounts and custody, as part of its trust nd fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC (JPMS), a member of FINRA and SIPC. 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 (347) 643 9953. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525371 J.P.Morgan INDIVIDUAL (Acct;? KARYNA SHULIAK Statement Period: September 29 - December 31, 2018 Asset Allocation Asset Allocation Summary Gash& Sweep Funds Market value Market value Total 0.6% Description Previous Period This Period alma (6) Cash & Sweep Funds 401.01 401.01 0.00 Equities 117,368.00 62629.00 (54.537.00) TOTAL ACCOUNT VALUE $117,767.01 $63,230.01 ($54.537.00) Equrbes 99.4% The allocation percentage is derived from net positive market values only. Assets and Liabilities Summary Unrealized Gain Loss Summary Description Previous Period This Period Description This Period Long Cash and Sweep Funds 401 01 401.01 Short-Term Net Gain Loss $0.00 Long Market Value 117.366.00 62.82900 Long-Term Gain 53.475.01 Total Assets 6117,767.01 $63,230.01 Long-Term Net Gain r Loss $53,475.01 Total Liabilities $0.00 $0.00 TOTAL UNREALIZED GAIN! LOSS $53,475.01 TOTAL ACCOUNT VALUE $117,757.01 $63,230.01 Unrealized Gain 1 Loss represents Gain / Loss data since the date of acquisition. Total Account Value with Accruals $117,767.01 $63,230.01 Page 4 of 16 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 BROKERAGE IMPORTANT INFORMATION EFTA00525372 J.P. Morgan INDIVIDUAL (Acct # 036-03923) KARYNA SHULIAK Statement Period: September 29 - December 31. 2018 Holdings The total cost basis for each security position and the unrealized gairvioss 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 gainless 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 gainiloss calculations does not include adjustments for wash sales that may have occurred on transactions pending settlement. These wash sale adjustments, if any, will be reflected on your next statement. CASH & SWEEP FUNDS Description Acquisition Unrealized Date Quantity Pdce Market Value Unit Cost Cost Basis Gaintoss Accrued Income Est. Annual Inc. CASH BALANCE 401.01 TOTAL CASH & SWEEP FUNDS $401.01 EQUITIES Description Acquisition Date Quantity Price Market Value Unit Cost Cost Basis Unrealized Gain Loss Accrued Income Est. Annual Inc. ALIGN TECHNOLOGY INC Symbol: ALGN 05 Apr 2013 303 209 43 62,829.00 31.18 9.353 99 53.47501 LT TOTAL EQUITIES $62,829.00 $9,353.99 $53,415.01 Total Account Value : 563,230.01 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 - DVPIRVP Account S Short Account Al Pricing Method: a - Net Investment b - Appraised Value c - The Inn rid 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 Page 6 of 16 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 BROKERAGE IMPORTANT INFORMATION EFTA00525373 J.P. Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Additional Contact Information Account(s) Contact Custodian INDIVIDUAL Ted Secure J.P. Morgan Securities LLC (Financial Advisor) Member FINRA and SIPC (212) 272 6448 131 South Dearborn Street. IL1.0291 4th FLOOR Chicago. IL, 60603-5506 (800) 392 5749 wvnv.chase.com Page 6 of 16 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525374 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Messages MARGIN ACCOUNTS Securities and other assets in your account are the firm's 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, the firm can take action, such as issue a margin call andfor sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the 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 the margin account. • The firm can force the sale of securities or other assets in your account(s). • The firm 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. • The firm can increase its 'house' maintenance margin requirements at any time and is not required to pro✓ide you 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. LARGE TRADE REPORTING 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 as of October 3, 2011, or at any point thereafter to: (i) File an electronic Form 13H with the SEC (via EDGAR) to obtain a large trader identification number (LTID); and (ii) 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. 'A "Large Trader is a legal entity or natural person who, directly or indirectly, through the exercise of investment discretion, effects transactions in NMS securities that equal or exceed either: (i) 2 million shares or $20 million during any calendar day; OR (ii) 20 million shares or $200 million over any calendar month. 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 LTICTs are captured and reported as required under the Rule, you are required to promptly report your LTID to your broker and identify each account to which the LTID should be applied. If you have any questions, please call the appropriate number on the front of this statement. Page 7 of 16 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525375 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Messages (continued) COMPENSATION RECEIVED IN CONNECTION WITH MUTUAL FUND TRANSACTIONS Advisors, distributors or other affiliates of certain mutual funds (which include money market and non-money market funds) may enter into arrangements to pay brokers that distribute their shares for administrative, technological or other services, including marketing and other support services provided to such funds or their affiliates. These fees, commonly referred to as 'revenue sharing,' are separate from, and in addition to. any shareholder servicing or distribution fees that a mutual fund pays out of its own assets pursuant to its Rule 12b-1 plan and other expenses which are descrlaed in a fund's prospectus fee table. Revenue sharing fees are paid out of the assets of the fund affiliate and not from the fund's assets and, therefore, have no Impact on a fund's expense ratio or yield. J.P. Morgan Securities LLC ("JPMS") receives compensation from fund families or their affiliates for providing certain administrative and clearing services. These payments are calculated either based on a percentage of the average dollar value of the fund assets held by JPMS in customer accounts or based on the number of mutual fund positions in the accounts. These fees may be paid from fund assets or may be subsidized in whole or in part by the advisor, distributor or other affiliates of the fund through revenue sharing. Revenue sharing payments are negotiated separately with each fund family and not all fund families pay the same amount or pay according to the same formula. There is, therefore, a potential conflict of interest in the form of an additional financial incentive to J.P. Morgan for maiang available to customer mutual funds whose affiliates enter into revenue sharing arrangements. For the administrative and clearing services noted above, JPMS may receive revenue sharing payments of up to 0.50% per year or the average daily assets of fund shares carried in customer's accounts at JPMS and/or a rate of up to $21 per year per mutual fund position in each account, as applicable. To establish such arrangements with a fund company. JPMS has either entered into an agreement directly with the fund company or has entered into an agreement with a service provider which, in turn, has entered into an agreement directly with the fund company. Please note that the actual amount received by JPMS may be subject to periodic waiver by fund families and such waivers may reduce the actual amount received by JPMS. Funds whose affiliates do not make such revenue sharing payments to JPMS are generally not offered or recommended by JPMS. and in some cases, have higher returns or yields than funds whose affiliates do make revenue sharing payment. Compensation JPMS receives under these arrangements may be passed on to affiliates or non-affiliates of JPMS. In addition to these payments, JPMS may receive additional revenue sharing payments from certain fund families. Most funds offered by JPMS make these additional revenue sharing payments based upon the percentage of a client's total purchase amount in one of these funds. Percentage payments to JPMS generally range from 0.08% to 0.25%. If. for example, a client invested $10,000 in a fund that paid 0.25%. the fund's advisor, distributor or other entity would pay JPMS $25. In addition, for any fund held in a client's account, and for as long as the client holds that fund, JPMS will receive an additional payment, paid quarterly, as a percentage per year of the amount held. Percentage payments generally range from 0.02% to 0.08%. For example, on a $10,000 holding, 0.08% is $8. Additionally, JPMS may receive an annual payment of up to $290,000. Lastly, JPMS may be reimbursed by or on behalf of mutual funds for expenses incurred for various sales meetings, seminars and conferences held in the normal course of business. Financial Advisors do not receive additional compensation from these revenue sharing payments made to JPMS. The amounts listed above have been updated from those previously provided to you. The prospectus and Statement of Additional Information of mutual funds available through J.P. Morgan or your broker contain Information regarding revenue sharing payments made by affiliates of the fund companies. In addition, information regarding revenue sharing can be found at WM,/ Chase com or related websites. TAX REPORTING If any information regarding 2018 interest, dividends, miscellaneous income, gross proceeds or original issue discount is required to be reported to the IRS for this account, a Consolidated Form 1039 will be mailed to you no later than February 15, 2019. or a form 1042S by March 15, 2019. While we verify the information reported, reclassification of income by an issuer, corporate actions or other adjustments may necessitate a corrected Consolidated Form 1099. Page 8 of 18 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525376 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Messages (continued) IMPORTANT NOTICE TO CLIENTS WHO ARE EXECUTIVE OFFICERS. DIRECTORS AND CONTROL OWNERS OF U.S. PUBLIC COMPANIES If you are an executive officer, director or greater than 10% owner of a U.S. public company(a 'Section 16 Insides"). you must make this status known to your Financial Advisor. This disclosure must be made for each U.S. public company for which you are a Section 16 Insider so that transactions that require compliance with federal securities and other laws are handled property and in accordance with the law. If you are a Section 16 Insider, you should be aware of the following in particular: • When you open an account or otherwise establish a business relationship with J.P. Morgan Securities ("JPMS") for investment or other financial services involving your or your family's personal assets or any collective investment account in which you own a beneficial interest, you have an affrmafive obligation to disclose to JPMS your status as a Section 16 Insider for each U.S. public company for which you have such status. • Whenever you have a change in status, such as a change of employment or election to or retirement from the board of directors of a U.S. public company, such that you become a Section 16 Insider, you have an affirmative obligation to notify JPMS of your new or changed status. It is important to note that you may be a Section 16 Insider for more than one U.S. public company, and you must notify JPMS of your insider status for each applicable U.S. public company. • Unless notified otherwise, JPMS will consider that all funds and assets maintained in your or your family's personal accounts are solely your property. Your continued maintenance of an account with JPMS shall constitute your representation that no other person or entity has any interest in your account(s). In addition, you agree that at no time will any funds or assets of the U.S. public company of which you are an affiliate be invested through your account(s). • Executive officers and directors of U.S. public companies (as well as of non-U.S. public companies whose primary trading market is the United States) are ineligible to purchase equity initial public offerings ("PCs"), and persons participating in equity IPOs are required to represent in writing that their accounts are not owned 25% or more by such an executive officer or director (including persons materially supported by such officers and directors). Please note that you are a Section 16 Insider if you are required to file Forms 3. 4 or 5 ownership reports with the U.S. Securities and Exchange Commission with respect to your share holdings in a U.S. public company. If you are a Section 16 Insider, you should ask your Financial Advisor about pre-trade clearance and post-trade confirmation delivery options for open market purchase and sale transactions through JPMS. so that you can timely report your transactions to the SEC. SHORT DEBIT FEE DISCLOSURE Clients engaging in short sales currently incur fees that are based on a fluctuating rate applied daily to the market value of the securities sold short. These fees, which are in addition to interest charged on any debit balances in your account created in connection with your short positions, are based on (i) the costs and expenses incurred by J.P. Morgan to settle and maintain those transactions, and (ii) service fees in connection with the establishment and/or maintenance of your short positions. Any rate that may be established at the time a short sale settles or established thereafter is not guaranteed or otherwise fixed for any period of time and is subject to change without notice. Rates may vary depending upon market conditions. including the then-prevailing difficulty in the market of borrowing the particular security. The ease or difficulty of borrowing any particular security, and the related cost may change rapidly and materially and such change is not predictable. Before engaging in short selling, customers should take into account the fees charged on short sales and the risk that those fees may increase rapidly and materially. Customers who maintain short positions are urged to review their account statements and speak with their J.P. Morgan Securities Financial Advisor regularly to monitor the fees being charged. These fees will appear on your account statements. NON RECEIPT OF CHECKS OR STOCKS Please report any difference or non-receipt of checks or stocks, indicated as delivered to you, to Client Services Operations at 800-6341428: or write to Client Services Operations at J.P. Morgan Securities LLC. Four Chase Metrotech Center, Brooldyn, N.Y. 11245-0001 MARGIN ACCOUNT If you are a customer with a margin account, you consent to JP Morgan's 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 abdity 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 distnbutions. 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. 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 concems about your current interest rate, please speak to your Financial Advisor. Page 9 of 16 For questions, please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525377 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 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 at 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. Page 10 of 16 For questions please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525378 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Messages (continued) ELECTRONIC FUNDS TRANSFER NOTICE In case of errors or questions about electronic transfers in your brokerage account transmitted through the ACH Network, you must contact the Client Services Operations department of J.P. Morgan Securities LLC immediately at telephone number (800) 634-1428 or (347) 643-9953 or write to J.P. Morgan Securities LLC, Attn: Client Services Department. Four Chase Metrotech Center, Brooklyn, NY 11245 if you think your account statement or transaction record is wrong or if you need more information about a transaction listed on your account statement or transaction record. We must hear from you no later than 60 days after we sent the first account statement on which the problem or error appeared. 1. Tell JPMS your name and account number. 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell JPMS the dollar amount of the suspected error. If you tell JPMS orally, JPMS may require that you send it your complaint or question in writing within 10 business days. JPMS will determine whether an error occurred within 10 business days after JPMS hears from you and will correct any error promptly. If JPMS needs more time, however, JPMS may take up to 45 days to investigate your complaint or question. If JPMS decides to do this, JPMS will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes JPMS to complete its investigation. If JPMS determines at the conclusion of the investigation that there was no error, JPMS will charge your account for the credited amount. If JPMS asks you to put your complaint or question in wilting and JPMS does not receive it within 10 business days, JPMS may not credit your account. For errors involving new accounts or foreigrvinitiated transactions, JPMS may take up to 90 days to investigate your complaint or question. For new accounts, JPMS may take up to 20 business days to credit your account for the amount you think is in error. JPMS will tell you the results within three business days after completing its investigation. If JPMS decides that there was no error. JPMS will send you a written explanation. You may ask for copies of the documents that JPMS used in its investigation. CHECK DEPOSITS CLIENT NOTIFICATION If you wish to send a check for deposit to a J.P. Morgan Securities LLC branch, please make the check payable to either yourself or J.P. Morgan Securities LLC and note your account number in the memo field and the name of your J.P. Morgan Representative on the envelope. Then please send the check to the following address for processing: J.P. Morgan Securities Mailcode NYt-L004 277 Park Avenue. 2nd Floor New York, NY 10172 IMPORTANT INFORMATION REGARDING PURCHASES INDICATED AS AVERAGE PRICE —I 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. Details regarding the actual prices are available from your J.P. Morgan representative. SERVICE FEES As stated in your Customer Agreement, J.P. Morgan may charge your account certain fees or other amounts in the normal course of providing certain services or products to you. These charges may include such things as fees for certain administrative services. The following table lists the standard charges associated with certain products or services that may be made available to you through your account. Fees and charges may vary from one account to another based on a variety of factors. All such fees and charges are subject to change. Page 11 of 16 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525379 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Messages (continued) SERVICE OR PRODUCT STANDARD FEE OR AMOUNT Returned Checks $20 per event Register and Ship $50 per item' Legal Transfer $50 per item' Inactive Account Fee $95 per year— Third-Party Check $20 per check Third Party Wire Transfer $20 per wire ACAT (deliveries only) $95 per account No Load Funds $25 per transaction Transaction Service Charge $5 per transaction Treasury Auction $50 per transaction 'The Transfer Agent may charge additional fees. Please contact your Financial Advisor for further information. Fee charged only to accounts which do not generate $500 in annual fees and or commissions. or maintain average equity in the household in excess of $100.000. MARGIN LOAN ANUAL INTEREST RATE 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 Financial Advisor. SERVICE OR PRODUCT STANDARD FEE OR AMOUNT Privileged Access: Account Fee $100.00 per year "I Privileged Access: Returned Checks (Non Sufficient Funds) $20.00 per event Privileged Access: Check Copy Fee $2.00 per check Privileged Access: Check Stop Payment Fee $15.00 per check IRA Maintenance $75 per year IRA Termination $95 per account Prototype Profit Sharing /Money Purchase Plans $35 per year Prototype Termination (all plan types) $50 per account "" Transaction Fee - Listed Equities 8 Options (sells only) rate of $0.000231 of principartrade Transaction Fee - Options rate of $0.0415 per contract Spot Foreign Exchange Speak with your Financial Advisor '" Free if average annual equity in brokerage account exceeds $100,000 or client only utilizes the money market sweep feature of the product. -- Prototype Termination Fee applies to all prototype plan types. including Individual (k) Plans. Other fees may be payable to the third party recordkeeper with regard to the Individual (k) plan and are contained in the JP Morgan Individual (k) Plan Establishment Kit that plan clients receive prior to establishing the prototype plan. These fees are intended to offset fees charged by various regulatory bodies and change periodically: please refer to your trade confirmation for the current fee. The amount collected may be more or less than the amount ultimately paid to the various regulatory bodies. In the event of the former, no reimbursement will be distributed back to your account, and, in the event of the latter, there will be no additional charge made to your account. Page 12 of 16 For questions, please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525380 J.P. Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Messages (continued) NOTICE OF AMENDMENT OF CUSTOMER AGREEMENT(S) Please be advised that, pursuant to the Amendment section of any and all of your Customer Agreement(s) with J.P. Morgan Securities LLC ("JPMS") (formerly known as J.P. Morgan Securities Inc. and. prior to that, as Bear, Stearns & Co. Inc), JPMS hereby notifies you that, effective February 9, 2015, the Restriction on Accounts section of each such Customer Agreement is amended to provide that: RESTRICTIONS ON ACCOUNTS. JP Morgan, in its sole discretion, may (whenever JP Morgan may consider itself at risk for any reason with respect to your AccouM(s)) (i) freeze your Account(s) in whole or in part; (ii) refuse to accept any order for execution, clearance or settlement and may restrict or prohibit trading of securities or other property in any of your Account(s); and (iii) you shall nevertheless remain liable for all of your Obligations to JP Morgan under this Agreement or otherwise. In the event of any conflict or inconsistency between the Restriction on Accounts section as so amended and any other provision in the applicable Customer Agreement, the amended Restriction on Accounts section controls and supersedes the other provision to the extent of the conflict or inconsistency. FOREIGN EXCHANGE Forward and spot transactions in foreign exchange are subject to a commission of up to 1.00% of the notional amount per transaction. Pricing varies according to the market conditions at the time of trade and takes into consideration the notional amount of the foreign exchange transaction. NOTICE OF AMENDMENT OF CUSTOMER AGREEMENT(S) Please be advised that pursuant to the Amendment section of any and all of your Customer Agreement(s) with J.P. Morgan Securities LLC ('JPMS') or any of its predecessors, JPMS hereby notifies you that, effective December 11. 2017, the Collection and Other Account-Related Costs section of each such Customer Agreement is amended to provide that: COLLECTION AND OTHER ACCOUNT-RELATED COSTS. You hereby agree to pay, on demand, all reasonable costs, fees, expenses, liabilities and damages (collectively, "Costs") incurred by J.P. Morgan in connection with (i) enforcing its rights hereunder; (ii) any investigation, litigation or proceeding involving your Account(s) or any property therein; (iii) (A) the use of our access to the Electronic Services (as defined in section 20 below) by you or any person authorized to act on your behalf or (B) the failure by you or any person authorized to act on your behalf to comply with any terms, conditions or limitations applicable to such Electronic Services; (iv) any breach or failure by you to perform any term or provision of this Agreement, any other agreement between you and any J.P. Morgan entity or any agreement governing your use of or access to any Electronic Service; or (v) J.P. Morgan acting in reliance upon your instructions or the instructions of any other person authorized to act on your behalf. In each case and whether or not demand has been made therefor, you hereby authorize J.P. Morgan to charge your Account(s) for any and all such Costs, provided, however, that in no event shall you be obligated to pay Costs to the extent payment or demand therefor would violate the securities laws or the rules of a securities industry self-regulatory organization. Page 13 of 16 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525381 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Important Information about Your Account Statement(s) Unless otherwise indicated, accounts are held at J.P. Morgan Securities, LLC (JPMS), member FINRA and SIPC. JPMS is not a member of the Federal Deposit Insurance Corporation (FDIC). 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 affiliate or an authorized third party. ACCOUNT PROTECTION: As a member of the Securities Investor Protection Corporation (SIPC). JPMS provides account protection for the net equity of a customer's funds and 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 member firm falls financially and is unable to meet its obligations to its securities customers. but does not apply to losses from the rise or fall in the market value of investments or to SIPC ineligible assets such as futures, options on futures, foreign exchange transactions, or any investment contracts that are not registered as securities or deposit account balances. For more information about SIPC Coverage, including the SIPC Brochure, visit www.sipc.org (follow the link to How SIPC Protects investors) or call SIPC at (202) 371.6300. CUSTODY. JPMS carries your account and acts as your custodian for funds and securities received, which have been deposited directly with us or received as a result of transactions we process for your account. Inquiries regarding your Statement may be directed to JPMS at (347) 643-9953 As used in the course of these statements, "J.P. Morgan" is the global brand name for JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide. MARKET PRICES: The market value of your holdings is as of the last business day of the statement period or the last available price. Prices for determining market values represent estimates. These estimates are obtained from multiple sources deemed to be reliable. This information is not guaranteed for accuracy and is furnished for the exclusive use of the client. J.P. Morgan makes no representation, warranty or guarantee. express or implied, that any quoted value represents the actual terms at which securities could be bought or sold or new transactions could be entered into, or the actual terms on which existing transactions or securities could be liquidated. Such values are only indicative. ESTIMATED PRICING AND COST BASIS: Certain assets, including but not limited to, pooled and private investments. non-publicly traded and infrequently traded securities, derivatives, partnership interests and tangible assets are generally illiquid. the value of such assets may have been provided to us by third parties who may not be independent of the issuer or manager. Such information is reflected as of the last date provided to us, and is not independently verified. Pricing estimates may be based on bids, prices within the bid offer spread. closing prices or matrix methodology that uses data relating to other securities whose prices are more ascertainable to produce a hypothetical price based on the estimated yield spread relationship between the securities. Pricing estimates do not constitute bids for any securities. Actual prices realized at sale may be more or less than those shown on your statement. Unpriced Direct Participation Program (DPP) and Real Estate Investment (REIT) Securities: DPP and REIT securities are generally illiquid and the value of the security vAll. generally. be different from its purchase price. Accurate valuation information is not available. The total cost basis for each security position and the unrealized gainlloss are provided solely as a general indication of performance and should not be used for tax purposes or otherwise relied upon without the assistance of your tax 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. You may hold positions where the original cost basis has been adjusted to reflect amortization or accretion. For Regulated Investment Companies or Dividend Reinvestment Plan sales, for which the average price method has been chosen, positions are closed out on a First-In-First-Out (FIFO) basis. These statements are not official documents for income tax reporting purposes and should not be relied upon for such purposes, including determination of income, cost basis, amortization or accretion, or gainiloss. Such information, which may be inaccurate, incomplete or subject to updating, should be confirmed with your records and your tax advisor. DIVIDEND INCOME: Dividends credited to your account may include capital gains, non-taxable dividends and/or dividends on foreign stock. You may wish to consult your tax advisor with regard to your tax liability on these dividends. ESTIMATED ANNUAL INCOME AND ESTIMATED YIELD: Estimated Annual Income (EAI) is calculated by multiplying either the current coupon rate or an estimated annual dividend (generally calculated by annualizing the most recent regular cash dividend) by the quantity of the security held. For balances other than sweep program balances, Estimated Yield (EY) is calculated by dividing EAI by the market value of the security. These figures are estimates based on mathematical calculations using data obtained from outside sources. Because prices of securities, coupon and dividend rates are subject to change at any time, these estimates should not be relied upon exclusively for making investment, trading, or tax decisions. Because different asset types (e.g. equities versus fixed income securities) tend to have different investment characteristics, these estimates should not be compared across asset types. These calculations are for informational purposes only and are not a projection or guarantee of future returns. Additionally, please note that EAI and EY for certain types of Securities might include Retum of Principal or Capital Gains in which case the EAI and EY would be overstated. There is no guarantee that your investments will actually generate EAI or EY presented. Actual income and yield might be higher or lower. Please contact us for additional information. IMPORTANT INFORMATION REGARDING AUCTION RATE SECURITIES (ARS): ARS are debt or preferred securities with an interest or dividend rate reset periodically in an auction. Although there may be daily, weekly and monthly resets, there is no guarantee that there will be liquidity. If there are not enough bids at an auction to redeem the securities available for sale, the result may be a failed auction. 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 should not rely on pricing information appearing in their statements or online with respect to ARS. When J.P. Morgan is unable to obtain a price from an internal or outside source for a particular ARS. the puce column on your statement will indicate -unpriceer A description of J.P. Morgan's practices and procedures regarding ARS is available at imiv.jramorgan.comfmuniars. Page 14 of 16 For questions, please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525382 J.P.Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31. 2018 VALUATIONS OF OVER-THE-COUNTER DERIVATIVE TRANSACTIONS: Valuations of over-the-counter derivative transactions, including certain derivatives-related deposit products, have been prepared on a mid-market basis. These valuations are sourced from the various issuers of the securities, affiliates or they are sourced from a third party valuation provider. J.P. Morgan expressly 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 to which the valuations are put. Valuations are provided for information purposes only and are intended solely for your own use. Please refer to the trade confirmation for details of each transaction. 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 such securities may have value, please note that the value of a security indicated as *Unpriced will not be included in your overall current market value as reflected on the statement. RESTRICTED SECURITIES: Restricted Securities (typically noted as Restricted' or 'RSTD' in the security description) have not been registered under the Securities Act of 1933 and may not be "freely traded." Since restricted securities are subject to certain restrictions which may render them illiquid or less liquid than freely-tradable shares, there can be no assurance a secondary market exists. While we typically use the value of the registered/unrestricted security of the same issuer and same class for statement (and other) reporting purposes, the price realizable in a sale of the securities may be less than the 'Market Value indicated and could be zero. No attempt has been made to independently value the specific security subject to its restriction. Additionally, inclusion of pricing of these holdings will result in the aggregated value of your portfolio as reflected on this report being overstated by an amount equal to the difference (if any) between the value of the freely-traded underlying security and the actual value of your restricted shares. For additional information on pricing, please see the "Market Prices paragraph. THIRD PARTY INFORMATION: This statement contains (i) information obtained from multiple direct, 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 dividend rates and other fundamental data) and (ii) information which is calculated based upon such information (including but not limited to, market values, Current Yield and Estimated annual income). Although JPMS believes these sources and the sources of market values are reliable. it does not independently review or verify such information and neither JPMS nor any source will have any duly or obligation to verify, correct, complete. or update any such information. Such information is being provided to you with all faults for use entirely at your own risk without any warranty whatsoever by JPMS. its affiliates or any such source. Neither JPMS or its affiliates nor any such source shall have any liability whatsoever relating to any inaccuracy or lack of timeliness or completeness of such information or any use thereof or for omissions therefrom nor for any lost profits, indirect, special or consequential damages. Moreover, such sources retain exclusive proprietary rights in such information. You may use such information only for your internal use and purposes and not for reuse (other than in connection with the transaction or position for which the information is provided) or retransmission without prior written approval of the source. or for any unlawful or unauthorized purpose. METHODS OF COMPUTING INTEREST ON DEBIT BALANCES: Interest is charged on a day by day basis for any day that there is a net debit balance in your overall account. The calculation is made on a 360-day basis at the rate or rates shown on the statement. Interest rates may be changed from time to tine with fluctuating money market rates or for other reasons. 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: a) any free credit balances to which you are entitled b) any fully-paid securities to which you are entitled c) any securities purchased on margin upon full payment of any indebtedness to us 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. FOR OPTIONS ACCOUNTS: Further information with respect to commissions and other charges related to the execution of listed options transactions has been included on confirmation of such transactions previously available to you and such information will be made available to you promptly upon written request. PARTIAL CALLS: If a partial call is made with respect to an issue of secunties included in your Accounts we will allocate the call by a method we deem fair and equitable. BEARER BONDS: If any securities held by us for your account are bearer obligations which have been issued since December 31, 1982 with original maturities of more than one year. we agree that we will satisfy the conditions set forth in subdivisions (i), BB and (iii) of the Treasury Regulation Section 1.165-12(c)(3) and covenant that we will comply with the requirements of Treasury Regulation Section 1.165-12(c)(2)(iii) concerning the delivery of such bearer obligations. MESSAGE FOR ACCOUNTS WITH NON-US DOLLAR ACTIVITY: The holdings listed within each asset class are segregated by currency. For Non-USD holdings, both the USD and local security and total asset class valuations, as calculated by the exchange rate stated, are provided. Activity will also be presented by currency. Non-USD activity will display both USD and local valuations, as calculated based on the exchange rate of the activity date. All summary information presented in this statement is presented in USD equivalent. unless specifically noted as presented in non-USD currency. FINANCIAL STATEMENT: A financial statement for JPMS is available for your personal inspection at our office, or a copy will be mailed to you upon written request. REPORTABLE TO THE INTERNAL REVENUE SERVICE: As required by law, at year end, we will report to you and to the Internal Revenue Service and to certain states. certain information on sales (including short sales), dividends, and various types of interest that have been credited to your account. STATEMENT FREQUENCY: Statements will be mailed to customers whose account has activity during the statement period affecting money balances andlor security positions. Delivery Versus Payment customers whose account has activity will receive statements on a quarterly basis that will reflect all activity during the quarter. All other customers will be sent statements at least four times a Page 16 of 16 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525383 J.P. Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 calendar year provided their account contains a money balance or security position. request. FUND MANAGER DISCLOSURE INFORMATION AVAILABLE UPON REQUEST: If you have an investment account that is managed by an SEC-Registered Investment Advisor, JPMS will provide a copy of the advisor's Form ADV Part 2A Firm Brochure upon written request. BUSINESS RECOVERY AND CONTINUITY: J.P. Morgan maintains a business recovery and continuity plan, including alternate processing and data centers, which will allow us to resume normal business operations including relocating technology and personnel to alternate facilities within 24 hours. in the event of an extended business disruption. The recovery time objective is 24 hours. The plan is reviewed annually, tested throughout the year. and updated as necessary. Investors will be able to obtain information about their accounts by contacting us at the phone number listed on the front of this statement, or by visiting www.jpmorgan.com. Every effort will be made to provide investors with timely and accurate information. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ACCOUNT STATEMENT: Please review this statement closely and contact us as soon as possible if you notice an error (including things like possible unauthorized trading activity, unrecorded dividend payments or improper payments or transfers). In order to protect your rights, including any rights under the Securities Investor Protection Act (SIPA). you will be asked to provide details of the error in writing, using the information provided on the front of this statement. In your written communication, 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. Please note that we must receive your written communication no later than 10 days after the statement on which the error appeared is sent or made available. If you do not notify us. you agree that the statement 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, 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 andfor 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 by notifying the office servicing your account 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 Page 16 of 16 For questions. please contact us using the information provided on the front of this statement. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525384