At this time, all fee agreements are made with Account Holder. Any change to this policy would be ,effective upon thirty (30) calendar days’ notice.,10.2Changes.These Terms are subject to occasional revision, and if we make any substantial changes, we may ,notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice ,of the changes on our Site. Any changes to these Terms will be effective upon the earlier of thirty (30) calendar days following ,our dispatch of an e-mail notice to you (if applicable) or thirty (30) calendar days following our posting of notice of the changes ,on our Site.