EFTA Document EFTA01361692

For Your Information On June 5, 2014, the European Central Bank (the -ECB) introduced 'negative interest rates'. This negative interest rate applied to all deposits held at the ECB and other credit institutions. Effective Fe/nary 1, 2015, the negative interest expense on any euro deposits wdl be charged to your account. The initial interest charge will be -.2096(20 basis points), and will reflect on your account statement as Tree Credit Balance Interest Charge'. The interest will be reported