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

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.

Per our discussion on April 13th, 2026, we appreciate your nearly ten years as a loyal client, and take great pride in working alongside you and your family. As a gesture of goodwill, we offered you a credit against future management fees for the next three years starting in Q2 2026 for all your accounts under management. We were pleased to hear you have accepted our offer. You should see the credit 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

To Whom it May Concern,

Due to a misunderstanding, 640 shares of Schneider Electric S.E. (SBGSY) and 177 shares of LOreal S.A. (LRLCY) were transferred to Trust(account number) as a charitable gift, however these securities are not compatible with the charity fund because they are over-the-counter stocks. In order to correct this issue, please reclaim these assets.

In consideration of your actions based on the above instructions, the undersigned hereby agrees to indemnify and hold harmless account custodain and their transfer agent, custodian, distributor, other agents and the trustees, officers, employees, and agents thereof with respect to any and all losses, damages, liabilities, claims, reasonable attorney fees, costs, or expenses that may be assessed against or suffered or incurred by any of them, howsoever they arise, which relates in any way to the above special instructions.

Dear Client,

Thank you, Mr. and Mrs. Client, for taking time to speak with me recently regarding your above accounts.

We are naturally very cautious when dealing with clients and their financial affairs, and we advise our clients to exercise the highest degree of caution when dealing with their personal finances and financial account information. As we discussed, we are concerned you may be the target of fraudulent efforts by a person or group. We caution you against sending any additional money to this organization and we suggest you contact your local office of the Federal Bureau of Investigation (FBI) to report this situation. The FBI office in Buffalo may be reached at (716) 856-7800.

Per our conversation on September 12th, this letter confirms we will no longer be acting as the investment manager for your accounts. Please keep in mind, we have not initiated asset transfers and will not take any further action regarding your account. The assets remain under your sole control. You may reach a Custodian account representative at (800) 888-8888.

Should you have questions about this or any other matter, please don’t hesitate to contact us at

(800) 555-5555. Thank you for having been a valued client, and we wish you all the best.

Sincerely.

Investment Advisor

Organ Donor
By Emily Hays

I am an organ donor. When I die I want the doctors to know they can have everything.Tell the doctors they can have my lungs. Make sure the doctor tells the recipient theselungs gasp under the touch of their lover’s lips. Let them know these lungs crave the pant that comes after a long hike. Let them know these lungs love the air on a crisp fall morning. Let them know these lungs are loud. Let them know these lungs are made to be heard, made to stand up for their beliefs, and never back down. With these lungs you will never be silenced.

Tell the doctors they can have my eyes. Let the recipient know that these eyes don’t work perfectly, but I’ve never met a person who didn’t look good in glasses. Let them know these eyes love the sight of freshly fallen snow, and the endless horizon that lives over the ocean. Let them know these eyes cry all the time, both sad tears, and happy tears. Let them know no matter how bad it gets these eyes will always see the bright side, will always see the good in a situation, will always see the beauty in humanity.

Tell the doctors they can have my skin. Let the recipient know that this skin has spent hours under the needle, absorbing the ink and enduring the pain that allowed it to tell my story. Let them know this skin gets goose bumps when watching a good horror movie. Let them know this skin will tingle, shiver, and come alive under the lightest caress. Let them know this skin is thick. Let them know this skin acts like armor; it can take just about anything thrown at it, and will never fail to protect them from even the harshest of situations.

Tell the doctors they can have my bones. Let the recipient know sometimes these bones ache when its cold out. Let the recipient know these bones have never been broken. Let the recipient know that these bones stand tall, even when they don’t want to. Let them know these bones have great intuition. Let them know these bones are always right about a person, so when they speak, be sure to listen. Let them know these bones have never been wrong.

Tell the doctors they can have my heart. Let the recipient know this heart loves art;
reading, and writing, and film. Let them know this heart loves anything done with passion. Let them know this heart occasionally skips a beat when it sees a cute boy or girl, especially one with dimples and glasses. Let them know this heart aches for the world around it, and will always feel compelled to help others. Let them know to follow this heart, it is full of passion and love and will never fail to make you feel alive.