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is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published In any other newspaper of general circulation in New York, New York, or we
above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements! We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration Proceeding/Selection of Administrator. Any Claim shall be resolved, upon the election by y
is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wail Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we
above agreements ("Agreements"), except for the validity, enforceability a scope of this Arbitration Provision or the Agreements? We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by
is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we
n Provision or the Agreements." BP/TR45FYI/0305 12313 EFTA01704815 DUPLICATE COPY Fe -Jed Pc: Account NUTtlel Page 8 of 10 We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration Proceeding/Selection of Administrator Any Claim shall be resolved, upon the election by yo
Is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation In New York, New York, or we
above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements' We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration ProceedlngiSelectIon of Administrator; Any Claim shall be resolved, upon the election by y
Is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we
above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements: We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration Proceeding/Selection of Administrator. Any Claim shall be resolved, upon the election by y
Entities connected to both The Wall Street Journal and the Initiation of Arbitration Proceeding/Selection of Administrator

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Julie K. Brown
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John F. Kennedy
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India
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James Baker
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Lawrence Krauss
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Condoleezza Rice
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Hawaii
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Columbia University
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Vicky Ward
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