CLIENT STATEMENT For the Period April 1- June 30, 2025

STATEMENT FOR: Beginning Total Value (as of 4/1/25) $1,345.38

JESSICA JOSEPH CHRISTIAN Ending Total Value (as of 6/30/25) $1,345.41
Includes Accrued Interest

Access Your Account Online At

www.etrade.com or call 800-387-2331

Morgan Stanley Smith Barney LLC. Member SIPC.

E*TRADE is a business of Morgan Stanley.
JESSICA JOSEPH CHRISTIAN

YPSILANTI MI 48197-6914
9944 JOAN CIR
#BWNJGWM

INVESTMENTS AND INSURANCE PRODUCTS: NOT FDIC INSURED • NOT A BANK DEPOSIT •
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT BANK GUARANTEED •
MAY LOSE VALUE • UNLESS SPECIFICALLY NOTED, ALL VALUES ARE DISPLAYED IN USD
120 - 634549 - 209 - 1 - 0
CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 2 of 8

Expanded Disclosures
Expanded Disclosures, which apply to all statements we send to you, and regulations. The Contributions and Distributions information in this investors seeking high profits or quick returns with considerable
are provided with your first statement and thereafter twice a year. statement reflects information for a particular account, without possibility of losing most or all of their investment.
Questions? reference to any other account, and is based on information provided Listed Options
Questions regarding your account may be directed to us by using the by you. The deductibility of an individual contribution depends upon Information with respect to commissions and other charges related to
contact information on the statement cover page. your Modified Adjusted Gross Income and coverage by a retirement the execution of options transactions has been included in
Errors and Inquiries plan at work. Check with your tax advisor to verify how much you can confirmations of such transactions previously furnished to you and such
Be sure to review your statement promptly, and immediately address contribute, if the contribution will be tax deductible, and if special rules information will be made available to you promptly at your request.
any concerns regarding entries that you do not understand or believe apply. The information included in this statement is not intended to Promptly advise us of any material change in your investment
were made in error by contacting us by using the contact information constitute tax, legal or accounting advice. Contact us if any of this objectives or financial situation.
on your statement cover page. Oral communications regarding any information is incorrect. Important Information if You are a Margin Customer(not available for
inaccuracy or discrepancy in this statement should be re-confirmed in Availability of Free Credit Balances and Financial Statements certain retirement accounts)
writing to further protect your rights, including rights under the Under the customer protection rules of the SEC [17 CFR If you have margin privileges, you may borrow money from us in
Securities Investor Protection Act (SIPA). Your statement will be §240.15c3-3], we may use funds comprising free credit balances exchange for pledging assets in your accounts as collateral. The amount
deemed correct unless we receive a written inquiry of a suspected carried for customer accounts here, provided that these funds are you may borrow is based on the value of eligible securities in your
error. See your account documentation for special rules regarding your payable to customers on demand (i.e., are free of a lien or right of margin accounts. If a security has eligible shares the number of shares
rights and responsibilities with respect to erroneous electronic fund set-off in our favor or on behalf of some third party to whom you have pledged as collateral is indicated below the position. If you have a
transfers, including a description of the transfers covered. For concerns given control). A financial statement of this organization is available for margin account, as permitted by law, we may use certain securities in
or complaints, contact us. your personal inspection at its offices, or a copy will be mailed to you your account for, among other things, settling short sales or lending the
Senior Investor Helpline upon your written request. securities for short sales, for which we may receive compensation.
Senior Investor clients or those acting on their behalf have a convenient Gain/(Loss) Information Margin Interest Charges
way to communicate with our Firm by calling us at (800) 280-4534 Gain/(Loss) is provided for informational purposes. It is not a substitute We calculate interest charges on margin loans as follows: (1) multiply
Monday-Friday 9am-7pm Eastern Time. for Internal Revenue Service (IRS) Form 1099 (on which we report cost the applicable margin interest rate by the daily close of business net
Account Valuation basis for covered securities) or any other IRS tax form, and should not settled debit balance, and (2) divide by 360 (days). Margin interest
Account values are computed by adding (1) the market value of all be used for tax preparation. Unrealized Gain/(Loss) provided on this accrues daily throughout the month and is added to your debit balance
priced positions, (2) valuations utilizing industry service providers statement is an estimate. Contact your own independent legal or tax at month-end. The month-end interest charge is the sum of the daily
and/or outside custodians for other positions, and (3) adding any credit advisor to determine the appropriate use of the Gain/(Loss) information accrued interest calculations for the month. We add the accrued
or subtracting any debit to your closing Cash, Money Market Funds on this statement. For more information, contact us. interest to your debit balance and start a new calculation each time the
and/or Deposit balance. Cash, Deposits and Money Market Funds are Tax Reporting applicable interest rate changes and at the close of every statement
displayed on a settlement date basis, and other positions are displayed Under Federal income tax law, we are required to report gross proceeds month. For interest rate information, log into your account online and
in your account on a trade date basis. The values of fixed income of sales (including short sales) on Form 1099-B by March 15 of the select your account with a Margin agreement to view more information.
positions in summary displays include accrued interest in the totals. In year following the calendar year of the transaction for reportable (i.e., Information Regarding Special Memorandum Account
the “Holdings” section, fixed income market value and accrued non-retirement) accounts. For sales of certain securities acquired on or If you have a Margin Account, this is a combined statement of your
interest are also displayed in separate columns. Accrued interest is the after January 1, 2011 (or applicable date for the type of security) we Margin Account and Special Memorandum Account maintained for you
interest earned but not yet paid on the bond since its last interest are also required to report cost basis and holding period. Under IRS under Section 220.5 of Regulation T issued by the Board of Governors
payment. In most cases, it is calculated from the date of the last regulations, if you have not provided us with a certification of either of the Federal Reserve System. The permanent record of the Special
coupon payment (or “dated date”) through the closing date of the U.S. or foreign status on applicable Form W-9 or W-8, your accounts Memorandum Account as required by Regulation T is available for your
statement. Foreign Currency Deposits are reflected in U.S. dollars as of may be subject to either 24% back-up withholding or 30% nonresident inspection at your request.
the statement end date. The Annual Percentage Yield (APY) for alien withholding on payments made to your accounts. Money Market Fund (MMF) Pricing
deposits represents the applicable rate in effect for your deposits at the Investment Objectives You could lose money in MMFs. Although MMFs classified as
statement ending date. This APY may be different than the APY that The following is an explanation of the investment objective alternatives government funds (i.e., MMFs that invest 99.5% of total assets in cash
was in effect during the statement period. For current Bank Deposit or applicable to your account(s): Income - for investors seeking regular and/or securities backed by the U.S. government) and retail funds (i.e.,
Money Market Fund yields, go to income with low to moderate risk to principal; Capital Appreciation - for MMFs open to natural person investors only) seek to preserve value at
www.morganstanley.com/wealth-investmentstrategies/ratemonitor.html. investors seeking capital appreciation with moderate to high risk to $1.00 per share, they cannot guarantee they will do so. The price of
Additional Retirement Account Information principal; Aggressive Income - for investors seeking higher returns either other MMFs will fluctuate and when you sell shares they may be worth
Tax-qualified account contributions are subject to IRS eligibility rules as growth or as income with greater risk to principal; Speculation - for more or less than originally paid. MMFs may impose a fee upon sale or

CONTINUED
CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 3 of 8

Expanded Disclosures (CONTINUED)

temporarily suspend sales if liquidity falls below required minimums. Investments, which may appear in various product categories and are IRS. The totals we report may differ from those indicated as "This Year"
During suspensions, shares would not be available for purchases, identified on the Position Description Details line as "Asset Class: Struct figures on the last statement for the calendar year. Only information on
withdrawals, check writing or ATM debits. A MMF investment is not Inv," may not perform in a manner consistent with the product category Forms 1099 should be used for tax reporting. In the case of
insured or guaranteed by the Federal Deposit Insurance Corporation or where they appear, and therefore may not satisfy portfolio asset Corporations, Real Estate Investment Trusts (REITs), Master Limited
other government agency. allocation needs for that category. When displayed, the accrued Partnerships, Regulated Investment Companies and Unit Investment
Notice Regarding Global Investment Manager Analysis interest, annual income and yield for structured investments with a Trusts, some sponsors may reclassify the distribution to a different tax
The Global Investment Manager Analysis team conducts analysis on contingent income feature (e.g., Range Accrual Notes/Contingent type for year-end reporting.
various mutual funds and exchange-traded funds for clients holding Income Notes) are estimates and assume specified accrual conditions Transaction Dates and Conditions
those funds in certain investment advisory programs. If you have are met during the relevant observation period and payment in full of Transactions display trade date and settlement date. Transactions are
invested in any of these funds in another type of account, such as a all contingent interest. Actual accrued interest, annual income and yield included on this statement on trade date basis (excluding BDP and
brokerage account, you will not receive the same materials and status will be dependent upon the performance of the underlying asset(s) and MMFs). Trades that have not settled as of statement month end will
updates on the funds as we provide to investment advisory clients may be significantly lower than estimates shown. For more information also be displayed in the “Unsettled Purchases/Sales Activity” section.
(including instructions on selling fund shares). on the risks and conflicts of interest related to Structured Investments, Upon written request, we will give you the date and time of a
Pricing of Securities log in to Morgan Stanley Online at transaction and the name of the other party to a transaction. We and/or
The prices of securities are derived from various sources, and do not www.morganstanley.com/structuredproductsrisksandconflicts. For our affiliates may accept benefits that constitute payment for order
necessarily represent the prices at which those securities could have information on risks specific to your Structured Investments, contact us. flow. Details regarding these benefits and the source and amount of
been bought or sold. Although we attempt to use reliable sources of Security Measures any other remuneration received or to be received by us in connection
information, we can offer no assurance as to their accuracy, reliability This statement features several embedded security elements to with any transaction will be furnished upon written request.
or completeness. Prices are as of the date shown only and are not an safeguard its authenticity. One is a unique blue security rectangle, Tax and Legal Disclosure
offer by us or our affiliates to purchase or sell any instrument or enter printed in heat-sensitive ink on the back of every page. When exposed We do not provide legal or tax advice. Please consult your own tax
into any transaction or a commitment by us or them to make such an to warmth, the color will disappear, and then reappear. advisor.
offer. Prices of securities not actively traded may not be available, and SIPC Protection
are indicated by N/A (not available). For additional information on how We are a member of Securities Investor Protection Corporation (SIPC),
we price securities, contact us. which protects securities of its customers up to $500,000 (including
Important Information About Auction Rate Securities $250,000 for claims for cash). An explanatory brochure is available
For certain Auction Rate Securities there is no or limited liquidity. upon request or at www.sipc.org. Losses due to market fluctuation are
Therefore, the price(s) for these Auction Rate Securities are indicated not protected by SIPC and assets not held with us may not be covered
by N/A (not available). There can be no assurance that a successful by SIPC protection. To obtain information about SIPC, including an
auction will occur or that a secondary market exists or will develop for explanatory SIPC brochure, contact SIPC at 1-202-371-8300 or visit
a particular security. www.sipc.org.
Structured Investments Risks and Considerations Certain Assets Not Held Here
Structured Investments (Structured Products) are complex products and You may purchase certain assets through us that may be held at
are subject to special risks, which may include, but are not limited to: another financial institution. Assets not held with us may not be
loss of initial investment; issuer credit risk and price volatility resulting covered by SIPC protection. We may include information about certain
from actual or anticipated changes to issuer's and/or guarantor's credit assets on this statement solely as a service to you and are not
ratings/spreads; limited or no appreciation and limits on participation in responsible for information provided by external sources. Generally, any
any appreciation of underlying asset(s); risks associated with the financial institution that holds securities is responsible for year-end
underlying asset(s); no periodic payments; call prior to maturity; early reporting (e.g., Forms 1099) and separate periodic statements, which
redemption fees for market linked deposits; lower interest rates and/or may vary from our information due to different reporting periods. In the
yield compared to conventional debt with comparable maturity; unique case of networked mutual funds, we perform all year-end tax reporting.
tax implications; limited or no secondary market; and conflicts of Total Income
interest due to affiliation, compensation or other factors which could Total income, as used in the income summaries, represents dividends
adversely affect market value or payout to investors. Investors also and/or interest on securities we receive on your behalf and credit to
should consider the concentration risk of owning the related security your account(s) during the calendar year. We report dividend
and their total exposure to any underlying asset. Structured distributions and taxable bond interest credited to your account to the
CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 4 of 8

Self-Directed Retirement Account JESSICA JOSEPH CHRISTIAN

Account Summary 4430-4400-7265-1110
Rollover IRA

CHANGE IN VALUE OF YOUR ACCOUNT (includes accrued interest) MARKET VALUE OVER TIME
This Period This Year The below chart displays the most recent thirteen months of Market Value.
(4/1/25-6/30/25) (1/1/25-6/30/25)
1.5
TOTAL BEGINNING VALUE $1,345.38 $1,345.34

($) Thousands
1.4 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Credits — —
Debits — — 1.3
Security Transfers — — 1.2
Net Credits/Debits/Transfers — —
1.1
Change in Value 0.03 0.07
1
TOTAL ENDING VALUE $1,345.41 $1,345.41 JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN
2024 2025

The percentages above represent the change in dollar value from the prior period. They do not represent
account investment performance, as they do not consider the impact of contributions and withdrawals,
nor other factors that may have affected performance calculations. No percentage will be displayed
when the previous month reflected no value.

ASSET ALLOCATION (includes accrued interest)

Market Value Percentage
Cash $1,345.41 100.00
TOTAL VALUE $1,345.41 100.00%

FDIC rules apply and Bank Deposits are eligible for FDIC insurance but are not covered by SIPC. Cash
and securities (including MMFs) are eligible for SIPC coverage. See Expanded Disclosures.
Values may include assets externally held, as a courtesy, and may not be covered by SIPC. Foreign
Exchange (FX) is neither FDIC nor SIPC insured. For additional information, refer to the corresponding
section of this statement.

Cash

This asset allocation represents holdings on a trade date basis, and projected settled Cash/BDP and
MMF balances. These classifications do not constitute a recommendation and may differ from the
classification of instruments for regulatory or tax purposes.
CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 5 of 8

Self-Directed Retirement Account JESSICA JOSEPH CHRISTIAN

Account Summary 4430-4400-7265-1110
Rollover IRA

BALANCE SHEET (^ includes accrued interest) CASH FLOW

Last Period This Period This Period This Year
(as of 3/31/25) (as of 6/30/25) (4/1/25-6/30/25) (1/1/25-6/30/25)
Cash, BDP, MMFs $1,345.38 $1,345.41 OPENING CASH, BDP, MMFs $1,345.38 $1,345.34
Total Assets $1,345.38 $1,345.41 Income and Distributions 0.03 0.07
TOTAL VALUE $1,345.38 $1,345.41 Total Investment Related Activity $0.03 $0.07
Total Cash Related Activity — —
CLOSING CASH, BDP, MMFs $1,345.41 $1,345.41

INCOME AND DISTRIBUTION SUMMARY GAIN/(LOSS) SUMMARY

This Period This Year Unrealized
(4/1/25-6/30/25) (1/1/25-6/30/25) Realized This Period Realized This Year Inception to Date
Interest $0.03 $0.07 (4/1/25-6/30/25) (1/1/25-6/30/25) (as of 6/30/25)
TOTAL INCOME AND DISTRIBUTIONS $0.03 $0.07 TOTAL GAIN/(LOSS) — — —
The Gain/(Loss) Summary, which may be subsequently adjusted, is provided for informational purposes
and should not be used for tax preparation. For additional detail, please visit www.etrade.com.

RETIREMENT RECAP Refer to the Additional Retirement Account Information in the Expanded Disclosures.

2025 Fair Market Value (includes accrued interest): $1,345.34

BENEFICIARIES (Visit www.etrade.com to view and update your beneficiaries.)

CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 6 of 8

Self-Directed Retirement Account JESSICA JOSEPH CHRISTIAN

Account Detail 4430-4400-7265-1110
Rollover IRA

Investment Objectives (in order of priority): Income Brokerage Account

Inform us if your investment objectives, as defined in the Expanded Disclosures, change.

HOLDINGS
This section reflects positions purchased/sold on a trade date basis. "Market Value" and "Unrealized Gain/(Loss)" may not reflect the value that could be obtained in the market. Your actual investment return
may differ from the unrealized gain/(loss) displayed. Fixed Income securities are sorted by maturity or pre-refunding date, and alphabetically within date. Estimated Annual Income a) is calculated on a pre-tax
basis, b) does not include any reduction for applicable non-US withholding taxes, c) may include return of principal or capital gains which could overstate such estimates, and d) for holdings that have a defined
maturity date within the next 12 months, is reflected only through maturity date. Actual income or yield may be lower or higher than the estimates. Current Yield is an estimate for informational purposes only. It
reflects the income generated by an investment, and is calculated by dividing the total estimated annual income by the current market value of the entire position. It does not reflect changes in its price.
Structured Investments, identified on the Position Description Details line as "Asset Class: Struct Inv," may appear in various statement product categories. When displayed, the accrued interest, annual income
and current yield for those with a contingent income feature (e.g., Range Accrual Notes or Contingent Income Notes) are estimates and assume specified accrual conditions are met during the relevant period
and payment in full of all contingent interest. For Floating Rate Securities, the accrued interest, annual income and current yield are estimates based on the current floating coupon rate and may not reflect
historic rates within the accrual period.

For additional information related to Unrealized and Realized Gain/(Loss) and tax lot details, including cost basis, please visit www.etrade.com. The information presented on the statement should not be used
for tax purposes.

CASH, BANK DEPOSIT PROGRAM AND MONEY MARKET FUNDS

Cash, Bank Deposit Program, and Money Market Funds are generally displayed on a settlement date basis. You have the right to instruct us to liquidate your bank deposit balance(s) or shares of any money market
fund balance(s) at any time and have the proceeds of such liquidation remitted to you. Estimated Annual Income, Accrued Interest, and APY% will only be displayed for fully settled positions. Under the Bank
Deposit Program, free credit balances held in an account(s) at Morgan Stanley Smith Barney LLC are automatically deposited into an interest-bearing deposit account(s), at Morgan Stanley Bank, N.A. and/or
Morgan Stanley Private Bank, National Association, each a national bank, FDIC member and an affiliate of Morgan Stanley. Under certain circumstances, deposits may be held at other FDIC insured Program
Banks. For more information regarding the Bank Deposit Program and the Program Banks, go to www.etrade.com/bdpdisclosure. Cash and interest from required Pattern Day Trader minimum equity amounts are
retained in Cash Balance Program.
7-Day
Description Market Value Current Yield % Est Ann Income APY %
MORGAN STANLEY PRIVATE BANK NA $1,345.41 — $0.13 0.010

Percentage
of Holdings Market Value Est Ann Income
CASH, BDP, AND MMFs 100.00% $1,345.41 $0.13

Percentage Unrealized Est Ann Income Current

of Holdings Total Cost Market Value Gain/(Loss) Accrued Interest Yield %

TOTAL VALUE 100.00% — $1,345.41 N/A $0.13 0.01%

—

Unrealized Gain/(Loss) totals only reflect positions that have both cost basis and market value information available. Cash, MMF, Deposits and positions stating 'Please Provide' or 'Pending Corporate Actions' are not
included.
CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 7 of 8

Self-Directed Retirement Account JESSICA JOSEPH CHRISTIAN

Account Detail 4430-4400-7265-1110
Rollover IRA

ALLOCATION OF ASSETS
Fixed Income & Structured
Cash Equities Preferred Securities Alternatives Investments Other
Cash, BDP, MMFs $1,345.41 — — — — —
TOTAL ALLOCATION OF ASSETS $1,345.41 — — — — —

ACTIVITY
CASH FLOW ACTIVITY BY DATE
Activity Settlement
Date Date Activity Type Description Comments Quantity Price Credits/(Debits)
4/30 Interest Income MORGAN STANLEY PRIVATE BANK NA (Period 04/01-04/30) $0.01
5/31 Interest Income MORGAN STANLEY PRIVATE BANK NA (Period 05/01-05/31) 0.01
6/28 Interest Income MORGAN STANLEY PRIVATE BANK NA (Period 06/01-06/30) 0.01
NET CREDITS/(DEBITS) $0.03

MONEY MARKET FUND (MMF) AND BANK DEPOSIT PROGRAM ACTIVITY

Activity
Date Activity Type Description Credits/(Debits)
4/30 Automatic Investment BANK DEPOSIT PROGRAM $0.01
5/31 Automatic Investment BANK DEPOSIT PROGRAM 0.01
6/28 Automatic Investment BANK DEPOSIT PROGRAM 0.01
NET ACTIVITY FOR PERIOD $0.03

MESSAGES
Senior Investor Helpline
For any inquiries or potential concerns, senior investors or someone acting on their behalf may contact our Firm by calling (800) 280-4534.
Notice of T+1 Settlement Cycle Transition
Effective May 28, 2025, Securities and Exchange Commission (SEC) rules will require that most U.S. securities transactions settle on or before the next business day following the trade date (a settlement date ofT+1).
Generally, the settlement date is when an investor must pay for the security purchased or deliver the security sold in negotiable form. Please note, final tax lot selection will be subject to the shortened T+1 settlement
timeline and must be submitted by 4:00 p.m. ET on the settlement date.
For additional details about T+1 settlement and eligible securities, please visit the Depository Trust & Clearing Corporation (DTCC) website at www.dtcc.com/ust1. You can also view the full text of the final rules on the
SEC website at www.sec.gov.
FINRA BrokerCheck
FINRA has established the public disclosure program, known as BrokerCheck, to provide certain information regarding the disciplinary history of FINRA members and their associated persons. The BrokerCheck Hotline
Number is 1-800-289-9999. The FINRA website address is www.finra.org. An investor brochure that includes information describing FINRA BrokerCheck may be obtained from FINRA.
CLIENT STATEMENT For the Period April 1- June 30, 2025 Page 8 of 8

Self-Directed Retirement Account JESSICA JOSEPH CHRISTIAN

Account Detail 4430-4400-7265-1110
Rollover IRA

Tips on Protecting Yourself from Fraudulent Account Activity

The protection of client data is of the utmost importance to us. Scams are on the rise, and they have become more sophisticated. Please remember to never share your personal information including account
verification codes, account numbers, passwords or social security numbers with anyone you do not personally know.
Please be cautious opening attachments, clicking on links, or allowing external access to your computer. Scammers will be aggressive and create a sense of urgency. Scammers will promise unbelievable returns using
crypto currency investing or sweepstakes/lottery. Scammers will use social media apps to build trust and then make sudden requests for money due to a hardship or emergency.
If you have any questions regarding scams or believe that you are a victim of a scam, please contact us or call 888-454-3965 to report online fraud or security concerns.
Important Reminder on Designation of Beneficiary
If you don't have a beneficiary for your IRA or it has been a while since you have reviewed your beneficiary designation, review your beneficiaries to ensure they are accurate and up to date. Visit www.etrade.com to
view and update your beneficiaries.