EFTA Document EFTA01394811

GLDUS140 Lawrence Hirsch Changes to Certain Regulatory Matters The section of the Memorandum under the heading "Certain Regulatory Matters" is hereby amended by adding the following immediately after the second paragraph in the risk factor titled "Mandated Disclosure ofCertnin Events": On August 26, 2004, in connection with the 2002 industry-wide governmental and regulatory investigations into research and analysts practices, DBSI reached a settlement agreement with the SEC, the National