PO Ba 1776. Batmen NO 2120.3 Important Inform ation and Disclosures (continued) Deolsoc Bank Male WWII. Manatenes wae. (wrap Gwv• oe. Oak Seatellet Inc Nee evk Office 341144 *now. 2litti ;In Now *A. BY 10154 (212141WMA. pss) 21114O9S Statement Period: 0710112014 - 07(3112014 Proxy Vote Securities not fully paid for in your margin account may be lent by Pershing to itself or others in accordance with the terms outlined in the Margin Agreement. The right to vote your shares held on margin may be reduced by the amount of shares on loan. The Proxy Voting Instruction Form sent to you may reflect a smaler number of shares entitled to vote than the number of shares in your margin account. Foreign Currency Transactions Pershing may execute foreign currency transactions as principal for your account. Pershing may automatically convert foreign currency to or from U.S. dollars for dividends and similar corporate action transactions unless you instruct your financial organization otherwise. Pershing's currency conversion rate will not exceed the highest interbank conversion rate identified from customary banking sources on the conversion date or the prior business day, increased by up to 1%. unless a particular rate is required by applicable law. Your financial organization may also increase the currency conversion rate. This conversion rate may differ from rates in effect on the date you executed a transaction. incurred a charge, or received a credit. Transactions converted by agents (such as depositories) will be billed at the rates such agents use. Ratings This statement may contain credit rating information obtained from Standard & Pooes. Reproducing and distributing any information received from Standard & Pooes is not permitted without prior written authorization from Standard & Poor's. Standard & Pooes does not guarantee the accuracy, completeness, timeliness or availability of any information. Standard & Poor's is not responsible for any errors or