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etion. no penalty will be charged la early withorawal upon No death a loss of legal competency of any individual who is the account holder ol the 10 Lady Withdrawal penalties will reduce the amount of interest earned on the ID. SeDcmcbuyAfttrItat: Currently. no secondary market exists for this TO aro no assuran
cay's ardor S&P opinions as to No Quality of the securities they rate Ratings are relative are pit:lotto.° are are rot absolute standards ol quality Crean Quality of securities does not remove market nsk Aaddional information with respect to the securities Nat are reflected es - Not Rated" Of "Rating Not Availe
tion. no penalty will be charged for early withorawal upon No cease a loss of legal competency of any ircivicual who is the account holder ol the 10 Lady Withdrawal paraltres will reduce the amount of irtarest earned on the ID. Strciwg/tot Currently. PO Secondary market exists for this TO arc PO assurance is pr
M000y's ado S&P opinions as to the Quality of the securities they rate Ratings aro relative aro subjective are aro rot absolute standards ol ituakty Crean Quality of securities does not remove market nsk Ai:Wagonl information with respect to the securities Nat are reflected as -Not Ram- Of "Rating Not Available
tion. no penalty will be charged to early wahorawal upon the oeath o< loss of legal competency of any ircivicual who is the account holder of the 10 Lady Withdrawal penalties will reduce the amount of eldest barred on the ID. Stexensfary_tierk Currently, no seconetdary market exists for this TO aro no assurance
000y's aro/or S&P opinions as 10 No quality 01 the securities they rate Ratings are relative WO SUbleCtiVe arc are rot absolute standards el duality Crean Quality of securities does not remove market nsk Additional information with respect to the securities that are relloctee es "Not Ram" or "Rating Not Availab
Entities connected to both Lady Withdrawal and Crean Quality

Martha Stewart
PERSON
Jeffrey Epstein
PERSONARTHUR TENDLER
PERSON
Deutsche Bank
ORGANIZATION
Joi Ito
PERSONFDIC Insurance
ORGANIZATION
FDIC
ORGANIZATIONMoody's Investors Service
ORGANIZATIONDeutsche Bank Trust Company Americas
ORGANIZATIONYork \Y '
ORGANIZATIONEarly Withdrawals
ORGANIZATIONUnrealized FX Gain/Loss
ORGANIZATIONMatunty
LOCATIONThe McGraw-Hill Companies
ORGANIZATIONStanoard & Poor's
ORGANIZATION
Clark
PERSONCash Maragoment
PERSONthe Quality of the securities
ORGANIZATIONPease
PERSONMoray Market Funds
ORGANIZATION