Letter to our clients related to COVID-19

Dear Valued Client and Friends:

As the global effect of Coronavirus (COVID-19) continues to evolve, we are committed to serving our clients as well as considering the safety of our staff. We are currently working from home to serve you while doing our part to reduce the spread of COVID-19. We currently have the phones forwarded to one of our staff and will take messages in order that we may return your call as soon as possible. (Please call 626-584-6168 to reach us) We appreciate your patience with this temporary change in procedure. We also ask that instead of faxing any documents to our office, that you scan and email the documents to us.Please call our office if you need assistance.

Please also be aware that the employees of Pershing and Charles Schwab are also working from home during this time. As a result, they are making a few changes to processes and associated timelines for check deposits and disbursements, physical securities processing, and other mail delivery. Please see notification from Pershing below for important changes:

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Pershing Check Deposits The best ways to deposit checks quickly and efficiently is to leverage mobile check deposit (now available to all clients), direct deposit and automated clearing house (ACH) in lieu of physical checks. To help ease client deposits, we have increased the limit to $750,000 for a client to deposit a check on the NetXInvestor® mobile app. previously, this limit was $250,000. We will be unable to accommodate requests to deposit non-USD checks. Please send your payment in via wire transfer. However, if you need to mail physical checks to us for deposit, please route them as follows: Retail Deposit Lockbox (Non-Retirement Accounts) Via U.S. Mail Client checks can be sent via regular U.S. mail for deposit into a retail brokerage account. Checks should be sent to: Pershing LLC PO Box 382121 Pittsburgh, Pennsylvania 15250-8121 Via Overnight Mail Client checks via overnight mail should be addressed to: Pershing LLC Attn: 382121 500 Ross Street 154-0455 Pittsburgh, Pennsylvania 15262-0001

Please remember to include the account number on the face of each check.

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Rollover and Transfer Lockboxes (Retirement Accounts) Mail retirement account rollover deposits to the following lockbox location: Pershing LLC - Rollover Processing P.O. Box 382084 Pittsburgh, Pennsylvania 15250-8084 Mail retirement account transfer deposits to the following lockbox location: Pershing LLC - Transfer Processing P.O. Box 382091 Pittsburgh, Pennsylvania 15250-8091 Note: Overnight mail can be sent using the 500 Ross Street address above and include the appropriate Box number in the attention line. Please remember to include the account number and contribution type on the face of each check. Retirement Account Contributions Mail retirement account contribution deposits to the following location: Pershing LLC 400 South Hope Street, Suite 500 Los Angeles, CA 90071

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Charles Schwab notification: Starting Friday, March 20, Schwab has temporarily closed public access and walk-in traffic to all U.S. branches. Clients who use Schwab branches will still be able to access account information and complete transactions using Schwab Alliance. They can also download the Schwab mobile app and use it to deposit checks remotely. If they have questions regarding their account, they can contact their dedicated Alliance support team at 800-515-2157. Schwab will be closely monitoring local, state and federal government recommendations to determine when branches can resume normal operations. We appreciate your patience during this time.

Thank you again for your patience and your continued support.