EFTA Document EFTA01493452

For the Period 9/1/12 to 9/30/12 Client News Please note that a change will be made to how interest is calculated on uninvested cash balances and new cash deposits in your Asset Account if they are transferred automatically to the Deposit Sweep that is described in the Asset Account Agreement. Effective on or about November 16th, the Deposit Sweep interest calculation will be based on the daily balance method, as described below. The Combined Terms and Conditions have been modified t