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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

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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

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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