Message from Colin McKechnie

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Hello and welcome to the winter 2012 installment of the Securities Lending Update. In the latest issue we provide updates from the Equities Desk and the Fixed Income Desk for the fourth quarter of 2011. We then look forward to what we can expect as we kick off 2012.

I hope you find the contents of the newsletter valuable and informative. If you would like more information please contact your relationship manager.

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