Account statement (June 5, 2014)

Asset Allocation Disclosure and Footnotes All values are displayed in U.S. dollars based on interbank exchange rates as of 12131/2014. Exchange rates can vary. For Your Information On June 5, 2014, the European Central Bank (the 'ECB') introduced 'negative interest rates'. This negative interest rate applied to all deposits held at the ECB and other credit institutions. Effective February 1, 2015, the negative interest expense on any euro deposits will be charged to your account The initial