The final version of the revised TOU is now available for download: Account Holder Agreement Rev May 1 2008 (TOU) A redline comparison of the original (June 2007) TOU and the revised (May 2008) TOU has also been prepared in response to stakeholder requests. The document is available for download: Redline Comparison of 6 22 07 TOU and 5 1 08 TOU