On, no penalty will be charged for early withdrawal Upon the death or loss Of legal competency of any individual WhO IS the account holder 01 the TD. Early Withdrawal penalties will reduce the amount of interest earned or the TD '2 CONFIDENTIAL — PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0002274 EFTA_000 15748

no penalty will be charged for early withdrawal upon the death or loss of legal competency of any individual who is the account holder of the TD. Early Withdrawal penalties will reduce the amount of interest earned on the TD. EFTA01352037 12 ALGPBPHMHIBMGK APHMOGNOOBFCPK AELCCHJGPADMJK DDLLDDLLLLDLLL E

no penalty will be charged for early withdrawal upon the death or loss of legal competency of any individual who is the account holder of the TD. Early Withdrawal penalties will reduce the amount of interest earned on the TD. EFTA01352011 11 000152 6/6 YmmmmmmmmZ EFTA01352012 Disclaimer As of April 30

value of its Capital Account (as defined below) to such Affiliated Investment Fund. Such withdrawals will not be subject to any otherwise applicable Early Withdrawal Charges or the Investor Gate. POTENTIAL INVESTORS ARE CAUTIONED TO REFER TO THIS MEMORANDUM FOR A DISCUSSION OF THE PROVISIONS OF THIS OFFE