changes regarding Day Trade Buying Power that may impact your account. The changes, which will be effective July 11, 2008, are summarized below. What you need to know * Any account that has a margin deficiency at the start of a given trading day will not receive Day Trade Buying Power for that day. (A margin deficiency may include any of the following: maintenance calls, Regulation T calls or other more restrictive classifications on your account.) * Even if the margin deficiency is met during the day, Day Trade Buying Power will not be available until the following day; however, regular buying power will be available for day trading provided there are no other margin deficiencies in the account.