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TERMS AND CONDITIONS FOR ELECTRONIC COMMUNICATIONS



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sent from various regions and business groups. To read this relevant
information, please click on any applicable category in the top navigational
area on this page.

 

NOTICE: All electronic communications (e.g., email, instant message, SMS, web
conferencing, screen sharing, file exchanges), whether in the form of audio,
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is waived or lost by any errors in transmitting or receiving an e-communication.
If you receive an e-communication but are not an intended recipient, please
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distribution to, or use by, any person or entity in any location where such
distribution or use would be contrary to law or regulation, or which would
subject Sender to any registration requirement within such location.

 

E-communications may contain third-party links that, upon clicking on them, will
direct you to a third-party website, which may have different privacy policies
and levels of security than what Sender provides. Sender recommends that
intended recipient(s) reference the third party's privacy and security
practices.

 

The transmission and content of an e-communication cannot be guaranteed to be
secure or free of errors or viruses. Therefore, Sender does not represent that
any e-communication (or the information contained therein) is complete,
accurate, uncorrupted, timely or free of viruses, and it should not be relied
upon as such. Sender does not waive any intellectual property rights in any
e-communication. For your protection, Sender recommends that you do not send any
individual personal information via communication methods that are not secure,
including via public e-communication channels, which are generally not secure
and could be intercepted by a third party. If you are not comfortable with the
risks associated with email and decide not to use unencrypted email to
communicate with Sender, please notify Sender. Sender provides encrypted email
services for certain products and services. Sender reserves the right to
intercept, monitor, record, review and retain all e-communications, including
audio, video and text, sent or transmitted to or from its systems as permitted
by applicable law. Any e-communication that is conducted within or through
Sender's systems will be subject to being archived, monitored and produced to
regulators and in litigation in accordance with Sender's policy and local laws,
rules and regulations.

 

Unless expressly prohibited by local law, e-communications may be archived in
countries other than the country in which you are located, and may be treated in
accordance with the laws and regulations of the country of each individual
included in the entire message chain. Unless otherwise specifically indicated,
Sender does not accept time-sensitive, action-oriented messages or transaction
orders, including orders to purchase or sell securities, via email, and this
Message is not an offer to sell or a solicitation of any offer to buy any
securities, futures, options, loans, investment products or other financial
product or service, an official confirmation of any transaction, or an official
statement of Sender.

 

All market prices and market data contained in or attached to an e-communication
are indicative and subject to change without notice, and any views or opinions
presented are solely those of the author and may not reflect the views of
Sender. The information in an e-communication is not intended to replace a
recipient's own internal business processes for evaluating proposed
transactions. Recipients should seek financial advice regarding the
appropriateness of investing in any securities referred to in an e-communication
and should understand that statements regarding future prospects of the
instruments or the securities included in them may not be realized. There can be
no assurance that securities mentioned in an e-communication could be sold or
bought at such prices from Sender or another party or market participants. Past
performance is not necessarily a guide to future performance. Foreign currency
rates of exchange may adversely affect the value, price or income of any
security or related investment. Sender does not provide tax, accounting or
regulatory advice. Please consult your advisor as to any tax, accounting or
legal statements made in any e-communication.

 

USA Patriot Act Disclosure: Pursuant to the requirements of the USA Patriot Act
(Pub. L. 107-56) and other applicable laws, rules and regulations, Sender may be
required to obtain, verify and record your name, address and other information
that will allow Sender to identify you.

 

References to "Sender" are references to Bank of America Corporation and/or any
subsidiary of Bank of America Corporation. Banking products are offered through
Bank of America, N.A.,Equal Housing Lender and member FDIC.

 

Services relating to investment banking, capital markets or securities products
will be provided through Merrill Lynch, Pierce, Fenner & Smith Incorporated,
BofA Securities, Inc., non-bank subsidiaries of Bank of America Corporation and
members of FINRA and SIPC and available through relationships managed and
marketed under the brand names of:

 

 * Bank of America Merrill Lynch
 * Merrill Lynch Wealth Management
 * U.S. Trust, Bank of America Private Wealth Management, and
 * Merrill Lynch, Pierce, Fenner & Smith Incorporated.

 

Investment products are offered through Merrill Lynch, Pierce, Fenner and Smith
Incorporated®, and BofA Securities, Inc., registered broker-dealers, members of
FINRA/SIPC and non-Bank subsidiaries of Bank of America Corporation.

 

Insurance products are offered through Banc of America Insurance Services, Inc.,
Bank of America, N.A., in its capacity as an insurance agency, and Merrill Lynch
Life Agency Inc.

 

Wealth Management Banking™ is offered through Bank of America®. Banking products
are offered through Bank of America N.A., Equal Housing Lender and member FDIC.

 

Are Not FDIC Insured
May Lose Value
Are Not Bank Guaranteed
Are Not Insured by Any Federal Government Agency
Are Not Deposits
Are Not a Condition to Any Banking
Service or Activity




DISCLAIMER BY BUSINESS


 * Merrill Lynch, Pierce, Fenner & Smith Incorporated
 * BofA Global Research
 * Prime Brokerage Capital Strategy Group
 * Prime Brokerage Corporate Actions Notifications
 * BofA Securities – Fixed Income Sales & Trading
 * BofA Securities – Equities Sales & Trading
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 * Healthcare Education & Not-for-Profit (HENFP)
 * Trading Practice Letter




DISCLAIMER BY REGION


Americas
 
 * Global Wealth Management
 * Global Markets & Corporate Investment Banking
 * Merrill Lynch Bank & Trust Co. (Cayman) Ltd.

 

 Asia / Pacific Rim

 

 * Japanese Translation
 * Global Wealth Management
 * Global Markets & Corporate Investment Banking
 * Bank of America N.A. India Disclaimer
 * BofA Securities India Limited
 * Bank of America Merrill Lynch – Australia

 

EMEA / EU

 

 * Global Bankacılık ve Piyasalar (GBAM) Gizlilik Bildirimi AEA Dışındaki EMEA
   Bölgesi
 * UK Front Office Disclosure Statement
 * Global Wealth Management
 * Global Markets & Corporate Investment Banking
 * EMEA Legal Entity
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 * MiFID II Disclaimer
 * EU GDPR BofAML Media Contacts Privacy Notice

 

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"Bank of America" and "BofA Securities" are the marketing names used by the
Global Banking and Global Markets divisions of Bank of America Corporation.
Lending, derivatives, other commercial banking activities, and trading in
certain financial instruments are performed globally by banking affiliates of
Bank of America Corporation, including Bank of America, N.A., Member FDIC.
Trading in securities and financial instruments, and strategic advisory, and
other investment banking activities, are performed globally by investment
banking affiliates of Bank of America Corporation ("Investment Banking
Affiliates"), including, in the United States, BofA Securities, Inc., which is a
registered broker-dealer and Member of SIPC, and, in other jurisdictions, by
locally registered entities. BofA Securities, Inc. is a registered futures
commission merchant with the CFTC and a member of the NFA.

Investment products offered by Investment Banking Affiliates:

 

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

 

Disclaimer for Australia | Disclaimer for Brazil | Disclaimer for
Canada | Disclaimer for France | Disclaimer for Hong Kong | Disclaimer for
India | Disclaimer for Ireland | Disclaimer for Latin America

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