ge Date." (B) The Index. Beginning with the first Change Date, my adjustable Interest rate will be based on an Index. The 'Index" Is the average of Interbank offered rates for one-year U.S. dollar•denominated deposits in the London market ("LIBOR"), as published In The Wall Street Journal 001124280960

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cular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we Identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the

icular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the d

icular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the d

cular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we Identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the

cular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we Identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the

000461325 OB-SDNY-0009649 EFTA_00157434 EFTA01289797 Asset Allocation Disclosure and Footnotes All values are displayed m U.S. dollars based on Interbank exchange rates as of 09/3012014. Exchange rates can vary. Summary of Gains and Losses Realized Unrealized This Period Year.to-Date Short-Term G