Electronic Communications Disclaimers

Terms and conditions

for electronic communications

Attachments that are part of this e-communication may have additional important disclosures and disclaimers, which you should read. E-communication messages may be sent from various region and business groups. To read this relevant information, please click on any category in the top navigational area on this page that is applicable to this e-communication message.

NOTICE: This message and any other electronic communication (i.e., email, instant message, SMS, etc.) and its attachments (an "e-communication") are intended solely for the use of the intended recipient(s) and may contain information that is privileged, confidential, proprietary or otherwise protected by work product immunity or other legal rules. No confidentiality or privilege is waived or lost by any transmission errors. If you are not an intended recipient, please notify the sender, and then please delete and destroy all copies and attachments, and be advised that any review or dissemination of, or the taking of any action in reliance on, the information contained in or attached to this e-communication is prohibited. This e-communication is not intended for 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.

The transmission and content of this e-communication cannot be guaranteed to be secure or free of errors or viruses. Therefore, Sender does not represent that this e-communication (or the information contained herein) 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 this e-communication. For your protection, Sender recommends that you do not send it 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 the sender. Sender provides encrypted email services for certain products and services. Sender reserves the right to intercept, monitor, review and retain all e-communications sent to or from its systems as permitted by applicable law. Any electronic 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, electronic 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 email 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 this email 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. Please be advised that with respect to transactions in shares of money market funds or any other transactions designated in Rule 10b-10(b)(1) under the Securities Exchange Act of 1934, as amended, effected for your account, in lieu of an immediate confirmation, Sender will provide you with a monthly or quarterly written statement.

The information in this 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 this 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 this 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. Any tax statements contained in this e-communication or any of its attachments were not intended or written to be used, and cannot be used, for the purpose of (i) avoiding U.S., federal, state or local tax penalties or (ii) promoting, marketing or recommending to another party any transaction, partnership or other entity, investment plan or arrangement. Please consult your advisor as to any tax, accounting or legal statements made herein.

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 any subsidiary of Bank of America Corporation. Banking products are offered through Bank of America, N.A., Equal Housing Lender and member FDIC.

Are Not FDIC Insured
Services relating to investment banking, capital markets or securities products will be provided through Merrill Lynch, Pierce, Fenner & Smith Incorporated, a non-bank subsidiary of Bank of America Corporation and member 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®, a registered broker-dealer, member FINRA/SIPC and non-Bank subsidiary 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.
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

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