EFTA Document EFTA01468646

December 4, 2013 Dear [Client Name], This letter is provided to you as a prospective client of the Asset & Wealth Management (AWM) Key Client Partners (KCP) Desk - US. All services offered by KCP are provided on a strictly non-advised basis. In order to become a client of KCP, please sign and return the FINRA 2111 Institutional Suitability Certificate, which accompanies this letter. In addition, we will separately provide you with any additional documentation that we may require in order