EFTA Document EFTA01361736

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 interest charge will be -.20%(20 basis points), and will reflect on your account statement as Tree Credit Balance Interest Charge'. The interest will be reported