emilymariehays

Dear Client,

I wanted to reach out and formally introduce myself as your new Investment Advisor. I have been in the investment industry for over 25 years, and with Company for the last 2 years.I have done everything from financial planning to portfolio management and implementation. Please understand, this change will not affect the management of your portfolio in any way, as the Investment Committee will continue to make all investment related decisions in your accounts.

We understand you have had some frustrations related to our service, and we sincerely apologize for any bother this may have caused. During your October 2nd ,2025 call with Manager, as a gesture of good will, we offered you a credit against future management fees of $X,XXX. We were pleased to hear you found this an acceptable solution. You should see the credit on your next invoice.

If you have questions on this or any other topic, please do not hesitate to contact me by telephone at (800) 555-5555 or by email at email@company.com. Thank you again for your time, and for being valued clients, I look forward to working with you.

Sincerely,

Your Advisor

Dear Client,

Thank you for taking the time to speak with me recently regarding the above-referenced accounts. Below is a summary of our discussion.

As you know, on August 25th 2023 and August 28th, 2023, you signed a Letter of Instruction instructing us to hold 3,251 shares of IBM in the Client Supervised portion of the above-referenced account. At the time, it was our understanding your intent was to Client Supervise all shares of IBM. However, due to an operational oversight, we failed to noticed that an additional 1,694 shares arrived in your account in October 2023. As a result, those shares were left in the Managed portion of the account and subsequently sold a few days after at our discretion. The proceeds from those sells were invested into our recommended strategy for your portfolio. Please know we aim for accuracy in all we do and regret falling short of our expectation this time.

Though it is our understanding that you intended to eventually sell the IBM shares, you have communicated that doing so in 2023 had an unexpected impact on your tax liability. We understand that this process has not been as smooth as we expected it to be and sincerely regret any bother this may have caused. As a gesture of goodwill, we offered a $20,000 credit to your management fees for this account. We were pleased to hear you found this an acceptable solution for this concern. You should see the credit reflected in your next invoice.

If you have questions on this or any other topic, please do not hesitate to contact me by telephone at (800) 555-5555 or by email at email@company.com. Thank you again for your time, and for being valued clients.

Sincerely,

Manager

Dear Client,

As we discussed, with the expected additions you are making to your managed accounts, we are happy to share the costs associated with the use of third party law firms and CPAs, specifically in reimbursing the following percentage of your annual advisory fees based off the total value of your assets under management, and the fees you incur from using these third party services:

• Up to $X,XXXX with a portfolio value of $XX,XXX,XXX
• Up to $X,XXXX with a portfolio value of $XX,XXX,XXX
• Up to $X,XXXX with a portfolio value of $XX,XXX,XXX

Our service team will help coordinate these reimbursements and make this process as seamless as possible for you.

Additionally, as part of these services we can also assist you with some additional document requests, such as Letters of Engagement and Statements of Work, which are sometimes needed by these third parties. With the reimbursement of fees associated with these services coupled with your dedicated estate and tax professionals, which are accessible on an unlimited basis, most of our clients find this arrangement to be more than adequate for their needs.

If you have any questions about this or any other matter, please feel free to call me at (800) 555-5555. Thank you for your time, and for being our valued clients.

Sincerely,

Advisor