STATE STREET BANK AND TRUST COMPANY AND ITS AFFILIATES

Corporate and international tax changes. Retirement savings incentives. Tax treatment of certain precious metal-backed ETFs.

Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act and other regulatory reform issues, including regulatory treatment of G-SIBs and custodial banks, cyber issues, exchange-traded funds (ETF) regulation, anti-trust issues related to "common ownership" in asset management, and issues related to passive index investing. Investment advisor stewardship issues including Environmental, Social and Governance (ESG) issues. Digital assets and digital asset custody. Securities and Exchange Commission (SEC) liquidity and safeguarding rules. SEC Staff Accounting Bulletin 121. Advancement of diversity and inclusion initiatives.

Issues related to systemic risk and resolution of large banks. Anti-money laundering issues. Bank capital and liquidity regulations.

Retirement savings incentives, including: Automatic Retirement Plan Act; Retirement Fairness for Charities and Educational Institutions Act of 2023; Default annuitization.

Trade/market access issues.