This is to inform you, in connection with the Rome Statute of the International Criminal Court adopted on July 17, 1998, that the United States does not intend to become a party to the treaty. Accordingly, the United States has no legal obligations arising from its signature on December 31, 2000. The United States requests that its intention not to become a party, as expressed in this letter, be reflected in the depositary's status lists relating to this treaty.

Adhering to our basic principles and strategies (see sidebar on Steadfast Principles below) allows us to drive good organic growth and properly manage our capital (including dividends and stock buybacks), as we have consistently demonstrated for decades. Our performance results are shown in the charts below, which illustrate how we have grown our franchises, how we compare with our competitors and how we look at our fortress balance sheet. I invite you to peruse them at your leisure. In addition, I urge you to read the CEO letters in this Annual Report, which will give you more specific details about our businesses and our plans for the future.


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If you review our CEO letters, you will see that we have many growth opportunities in front of us and our plans to attack them. We face the future and the new competition, large and small, with confidence, strength and a dash of humility.

Suffice it to say, our company prepares not only for various forms of extreme economic risk but for various forms of geopolitical risk. Later in this letter I describe how we have enhanced those efforts.

In prior letters, we have spoken about how we need to get public policy right to address a multitude of areas, which span ineffective education systems, soaring healthcare costs, excessive regulation and bureaucracy, the inability to plan and build infrastructure efficiently, inequitable taxes, a capricious and wasteful litigation system, frustrating immigration policies and reform, inefficient mortgage markets and housing markets and housing policy, a partially untrained and unprepared labor force, excessive student debt, and the lack of proper federal government budgeting and spending. I believe that our poor policies have restrained our growth, and simply improving those policies would accelerate our growth.

I would like to express my deep gratitude and appreciation for the 290,000+ employees, and their families, of JPMorgan Chase. From this letter, I hope shareholders and all readers gain an appreciation for the tremendous character and capabilities of our people and how they continue to help communities around the world. They have faced these times of adversity with grace and fortitude. I hope you are as proud of them as I am.

Whether a particular fund or investment alternative satisfies the requirements set forth in sections 403 and 404 of ERISA is an inherently factual question upon which the Department will not issue opinions. We have determined that it is appropriate to respond to your inquiry in the form of an information letter, the effect of which is described in section 11 of ERISA Procedure 76-1.

To receive some benefits, Veterans need a letter proving their status. Access and download your VA Benefit Summary Letter (sometimes called a VA award letter) and other benefit letters and documents online.

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A letter is a segmental symbol of a phonemic writing system. The inventory of all letters forms an alphabet. Letters broadly correspond to phonemes in the spoken form of the language, although there is rarely a consistent and exact correspondence between letters and phonemes.[1]

The word letter, borrowed from Old French letre, entered Middle English around 1200 AD, eventually displacing the Old English term bcstf (bookstaff). Letter is descended from the Latin littera, which may have descended from the Greek "" (diphthera, writing tablet), via Etruscan.[2] The word was used to refer interchangeably to a speech sound until the 19th century.[3]

A letter is a type of grapheme, which is a functional unit in a writing system: a letter (or group of letters) represents visually a phoneme (a unit of sound that can distinguish one word from another in a particular language). Letters are combined to form written words, just as phonemes are combined to form spoken words. A sequence of graphemes representing a phoneme is called a multigraph or polygraph. A digraph is a case of polygraphs consisting of two graphemes.[4] Examples of digraphs in English include ch, sh, and th. Some phonemes are represented by three letters, called a trigraph, such as sch in German.

Letters may also have a numerical or quantitative value. This applies to Roman numerals and the letters of other writing systems. In English, Arabic numerals are typically used instead of letters. Greek and Latin letters have a variety of modern uses in mathematics, science, and engineering.

Before alphabets, phonograms, graphic symbols of sounds, were used. There were three kinds of phonograms: verbal, pictures for entire words, syllabic, which stood for articulations of words, and alphabetic, which represented signs or letters. The earliest examples of which are from Ancient Egypt and Ancient China, dating to around 3,000 BCE. The first consonantal alphabet emerged around 1800 BCE, representing the Phoenicians, Semitic workers in Egypt. Their script was originally written and read from right to left. From the Phoenician alphabet came the Etruscan and Greek alphabets. From there, the most widely used alphabet today emerged, Latin, which is written and read from left to right.[6]

The Phoenician alphabet had 22 letters, nineteen of which the Latin alphabet used, and the Greek alphabet, which was adapted around 900 BCE, added four letters to the Phoenician list. This Greek alphabet was the first to assign letters not only to consonant sounds, but also to vowels.

The Roman Empire further developed and refined the Latin alphabet, beginning around 500 BCE. During the fifth and sixth centuries, the development of lowercase letters began to emerge in Roman writing. At this point, paragraphs, uppercase and lowercase letters, and the concept of sentences and clauses still had not emerged; these final bits of development emerged in the late 7th and early 8th centuries.[7]

Finally, many slight letter additions and drops were made to the common alphabet used in the western world. Minor changes were made such as the removal of certain letters, such as thorn ( ), wynn ( ), and eth ( ).[8]

A letter can have multiple variants, or allographs, related to variation in style of handwriting or printing. Some writing systems have two major types of allographs for each letter: an uppercase form (also called capital or majuscule) and a lowercase form (also called minuscule). Upper- and lowercase letters represent the same sound, but serve different functions in writing. Capital letters are most often used at the beginning of a sentence, as the first letter of a proper name or title, or in headers or inscriptions.[9] They may also serve other functions, such as in the German language where all nouns begin with capital letters.[10] The terms uppercase and lowercase originated in the days of handset type for printing presses. Individual letter blocks were kept in specific compartments of drawers in a type case. Capital letters were stored in a higher drawer or upper case.[11][12].mw-parser-output .tmulti .multiimageinner{display:flex;flex-direction:column}.mw-parser-output .tmulti .trow{display:flex;flex-direction:row;clear:left;flex-wrap:wrap;width:100%;box-sizing:border-box}.mw-parser-output .tmulti .tsingle{margin:1px;float:left}.mw-parser-output .tmulti .theader{clear:both;font-weight:bold;text-align:center;align-self:center;background-color:transparent;width:100%}.mw-parser-output .tmulti .thumbcaption{background-color:transparent}.mw-parser-output .tmulti .text-align-left{text-align:left}.mw-parser-output .tmulti .text-align-right{text-align:right}.mw-parser-output .tmulti .text-align-center{text-align:center}@media all and (max-width:720px){.mw-parser-output .tmulti .thumbinner{width:100%!important;box-sizing:border-box;max-width:none!important;align-items:center}.mw-parser-output .tmulti .trow{justify-content:center}.mw-parser-output .tmulti .tsingle{float:none!important;max-width:100%!important;box-sizing:border-box;text-align:center}.mw-parser-output .tmulti .tsingle .thumbcaption{text-align:left}.mw-parser-output .tmulti .trow>.thumbcaption{text-align:center}}

If, when you search for your notice or letter using the Search on this page, it doesn't return a result, or you believe the notice or letter looks suspicious, contact us at 800-829-1040. If you determine the notice or letter is fraudulent, please follow the IRS assistor's guidance or visit our Report Phishing page for next steps.

About the campaign

This letter was coordinated by We Mean Business Coalition and its partners through the Fossil to Clean campaign. With bold business and political leadership, we can scale clean energy and end our reliance on fossil fuels.

This week, Federal Student Aid will send a letter via email to leadership at all institutions of higher education alerting them to the changes and potential impacts on their campus as a result of implementation of the FAFSA Simplification Act and the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE Act). The successful implementation of these laws will require significant changes to the current systems and procedures on campus that are utilized to award Title IV student aid. The text of the letter is below.

Washington, D.C. -Senator Tom Cotton (R-Arkansas) and Senator Chuck Schumer (D-New York) late yesterday sent a letter to Acting Director of National Intelligence Joseph Maguire, formally requesting that the Intelligence Community conduct an assessment of the national security risks posed by TikTok and other China-owned content platforms in the U.S., and requested a Congressional briefing on the findings. Leader Schumer and Senator Cotton's request comes amid growing concern about national security and cybersecurity risks posed by TikTok, a short-form video application owned by Beijing-based ByteDance and boasting more than 110 million downloads in the United States alone, as well as other China-based applications with a significant U.S. presence.

 

The Senators note that while ByteDance claims TikTok does not operate in China and stores U.S. user data in the U.S., ByteDance is still required to adhere to the laws of China. Importantly, security experts have voiced concern that China's intelligence, national security, and cybersecurity laws compel Chinese companies to support and cooperate with intelligence work controlled by the Chinese Communist Party. Such concerns "about the potential for Chinese intelligence and security services to use Chinese information technology firms as routine and systemic espionage platforms against the U.S. and allies" are also expressed in the U.S. Intelligence Community's Worldwide Threat Assessment report for 2019. 

 

In the letter, the Senators emphasize that the TikTok platform is also a potential target of foreign influence campaigns like those carried out during the 2016 election on U.S.-based social media platforms. Leader Schumer and Senator Cotton say further action is needed to address the growing counterintelligence and national security threats posed by China-owned technology firms and demand an assessment of the national security risks posed by TikTok and other China-owned content platforms in the U.S., as well as a Congressional briefing on the findings.

 

Senator Cotton and Senator Schumer's letter to Acting Director of National Intelligence Joseph Maguire can be found here and below:

 

The Honorable Joseph Maguire

Acting Director of National Intelligence

Office of the Director of National Intelligence

Washington, DC 20511

 

Dear Acting Director Maguire:

 

We write to express our concerns about TikTok, a short-form video application, and the national security risks posed by its growing use in the United States.

 

TikTok is owned by Beijing-based technology company ByteDance, which operates several other content platforms in China. ByteDance regards its platforms as part of an artificial intelligence company powered by algorithms that "learn" each user's interests and preferences through repeat interaction.

 

TikTok's terms of service and privacy policies describe how it collects data from its users and their devices, including user content and communications, IP address, location-related data, device identifiers, cookies, metadata, and other sensitive personal information. While the company has stated that TikTok does not operate in China and stores U.S. user data in the U.S., ByteDance is still required to adhere to the laws of China.

 

Security experts have voiced concerns that China's vague patchwork of intelligence, national security, and cybersecurity laws compel Chinese companies to support and cooperate with intelligence work controlled by the Chinese Communist Party. Without an independent judiciary to review requests made by the Chinese government for data or other actions, there is no legal mechanism for Chinese companies to appeal if they disagree with a request.

 

Questions have also been raised regarding the potential for censorship or manipulation of certain content. TikTok reportedly censors materials deemed politically sensitive to the Chinese Communist Party, including content related to the recent Hong Kong protests, as well as references to Tiananmen Square, Tibetan and Taiwanese independence, and the treatment of Uighurs. The platform is also a potential target of foreign influence campaigns like those carried out during the 2016 election on U.S.-based social media platforms.

 

The Administration has rightly taken initial steps to address other critical security risks posed by China. These steps include the addition of Huawei to the Entity List, as well as the recent Committee on Foreign Investment in the United States orders for certain Chinese firms to divest their stakes in U.S. companies over concerns about the security of sensitive personal data. However, further action is needed, particularly as China continues to shut out U.S.-based technology firms while promoting and expanding the global reach of its own companies.

 

With over 110 million downloads in the U.S. alone, TikTok is a potential counterintelligence threat we cannot ignore. Given these concerns, we ask that the Intelligence Community conduct an assessment of the national security risks posed by TikTok and other China-based content platforms operating in the U.S. and brief Congress on these findings. Thank you for your consideration regarding this important matter.

 

Sincerely, ff782bc1db

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