EF Quarterly Dates

If the CURRENT MONTH is

January

If the current date is in January, then the effective date of change can be October or later

February

If the current date is in February, then the effective date of change can be January or later

March

If the current date is in February, then the effective date of change can be January or later

April

If the current date is in February, then the effective date of change can be January or later

May

If the current date is in May, then the effective date of change can be April or later

June

If the current date is in May, then the effective date of change can be April or later

July

If the current date is in May, then the effective date of change can be April or later

August

If the current date is in August, then the effective date of change can be July or later

September

If the current date is in August, then the effective date of change can be July or later

October

If the current date is in August, then the effective date of change can be July or later

November

If the current date is in November, then the effective date of change can be October or later

December

If the current date is in November, then the effective date of change can be October or later

(04-2007)