EFTA00525399.pdf

18CS00003603923S0010 Statement Period J.P. Morgan September 29 - December 31, 2018 Account Number Investment Statement 00871 JPS 001 001 36518 - NNNNNNNNNNNN Account Value with Accruals KARYNA SHUUAK Account Description Previous Period This Period Brokerage 117,767.01 63,230.01 ACCOUNT VALUE $117,767.01 $63,230.01 See page 3 for footnotes and more detail. Questions? For Full Service Accounts, Call Financial Advisor Ted Serure Account Value with Accruals (December 2017 to December 2018) $132,975 Branch Address $116,205 277 Park Avenue New York, NY. 10172 S99,435 www(pmorgan.com More contact information on page 6 S82,665 S65,895 849 125 F 0 If you have any questions about your statement or concerns about your account. please call us at 0 8 8 the toM free number provided above. cl Er, 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 1of 16 Account is held at J.P. Morgan Securities LLC (JPMS), member Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). This tatement 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. 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J.I(pefralfr 3.. 411glizel letb.‘4,VCe -... CM tt. 4 Iii4f. “Ii(%,..... s... 011iP'N ‘C i ii kCiiirgi*, 0, 45;4•4 : :; ''' 4‘;*,0 41.7 144%;WW:fre' qwa heg' irl: rieirevice..-Se......L..."...inc442--i• hittgk:Au*.licri-:- AItfict1a(sf!..:4-AractOgareA Page 2 016 EFTA00525400  Statement Period J.P. Morgan September 29 - December 31, 2018 Last Statement September 28, 2018 Account Number Account Value With Accruals: $63,230.0 Account Activity Summary INDIVIDUAL Description This Period Year-to-Date Beginning Account Value $117,767.01 $67,153.01 Deposits (Cash 8 Securities) 0.00 0.00 Withdrawals (Cash 8 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) (3,826.00) ENDING ACCOUNT VALUE $63,230.01 $63,230.01 Net Accrued Income 0.00 0.00 Account Value With Accruals $63,230.01 $63,230.01 I Account fees. management fees. and debit interest are included. Trade related fees charged by brokers and commissions impact the total cost or proceeds of your trades and are not included here. Month End Closing Method: First In, Fist Out (FIFO) Your BrokerDealer is J.P. MORGAN SECURITIESLLC. 4 Chase Matrotech Center. Brooldyn. New York 11245-0001 INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED Page 3 of 16 JPMorgan Chase Bank, N.A. and its affiliates (collectively 'JPMCB“) offer investment products, which may include bank managed accounts and custody, as part of its trust nd fiduciary services. Other •nvestment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC (JPMS), a member of FINRA and SIPC. For information about your account. please refer to your official JPMS account statement which should not be used for tax reporting purposes. Please read the important disclosures at the end of the statement. For questions. please call (347) 643 9953. STATEMENT SUMMARY BROKERAGE IMPORTANT INFORMATION EFTA00525401 J.P.Morgan INDIVIDUAL (Acct ft KARYNA SHULIAK Statement Period: September 29 - December 31. 2018 Asset Allocation Asset Allocation Summary Cash & Sweep Funds Market value Market value Total 0.6% Description Previous Period This Period Change ($) Cash & Sweep Funds 401.01 401.01 aoo Equities 117366.00 62629.00 (54.537.00) TOTAL ACCOUNT VALUE $117.767.01 $63,230.01 ($54,537.00) Equines 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 117366.00 62629.00 Long-Term Gain 53.475.01 Total Assets $117,767.01 $63,230.01 Long-Term Net Gain r Loss 663,475.01 Total Liabilities $0.00 $0.00 TOTAL UNREALIZED GAIN / LOSS $53,475.01 TOTAL ACCOUNT VALUE $117,767.01 $63,230.01 Unrealized Gain / 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 EFTA00525402 J.P. Morgan INDIVIDUAL (Acct # KARYNA SHULIAK Statement Period: September 29 - December 31. 2018 Holdings The total cost basis for each security position and the unrealized gainless 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 gainloss 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 gainlloss 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 Acquisition Unrealized Accrued Income Description Date Quantity Price Market Value Unit Cost Cost Basis GainLoss Est. Annual Inc. CASH BALANCE 401.01 TOTAL CASH & SWEEP FUNDS $401.01 EQUITIES Acquisition Unrealized Accrued Income Description Date Quantity Price Market Value Unit Cost Cost Basis Gain:toss Est. Annual Inc. ALIGN TECHNOLOGY INC 05 Apr 2013 300 209 43 62.829.00 31.18 9.353 99 53,475 01 LT Symbol: ALGN TOTAL EQUITIES $62,829.00 $9,353.99 $53,475.01 Total Account Value : S63,230.01 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 EFTA00525403 J.P. Morgan Important Information KARYNA SHULIAK Statement Period : September 29 - December 31, 2018 Additional Contact Information Account(s) Contact Custodian INDIVIDUAL Ted Serure J.P. Morgan Securities LLC Financial Advisor) Member FINRA and SIPC 131 South Dearborn Street. IL1.0291 4th FLOOR Chicago. IL, 60603-5506 (800) 392 5749 WWW.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 EFTA00525404 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 EFTA00525405 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 EFTA00525406 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 EFTA00525407 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 EFTA00525408 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 EFTA00525409 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