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Merrill Lynch Electronic Communications - Important Terms

Unless otherwise specifically indicated, the contents of this or any e-communication (i.e., e-mail, instant message, SMS, etc.) and its attachments (this "E-communication") are for informational purposes only, and should not be regarded as an offer to sell or a solicitation of an 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 Merrill Lynch. 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 any Merrill Lynch affiliate to any registration requirement within such location.

This E-communication may contain privileged or confidential information, or may otherwise be protected by work product immunity or other legal rules. No confidentiality or privilege is waived or lost by any mistransmission. Access, copying or re-use of information by non-intended or non-authorized recipients is prohibited. If you are not an intended recipient of this E-communication, please notify the sender, delete it and do not read, act upon, print, disclose, copy, retain or redistribute any portion of this E-communication.

The transmission and content of this E-communication cannot be guaranteed to be secure or error-free. Therefore, we cannot represent that the information in this E-communication is complete, accurate, uncorrupted, timely or free of viruses, and Merrill Lynch cannot accept any liability for E-communications that have been altered in the course of delivery. Merrill Lynch does not waive any intellectual property rights in this E-communication. For your protection, we recommend that you do not send us any individual personal information via nonsecure methods of communication, including via public electronic communication channels, which are generally not secure and could be intercepted by a third party. Information in this E-communication is subject to change without notice and any views or opinions presented are solely those of the author and may not reflect the views of Merrill Lynch. Any electronic communication that is conducted within or through Merrill Lynch systems will be subject to being archived, monitored and produced to regulators and in litigation in accordance with Merrill Lynch 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.

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 Merrill Lynch 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.

Merrill Lynch 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 avoiding U.S., federal, state or local tax penalties. Please consult your advisor as to any tax, accounting or legal statements made herein.

References to "Merrill Lynch" are references to any company in the Merrill Lynch & Co., Inc. group of companies, which are wholly-owned by Bank of America Corporation. Securities and Insurance Products: • Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value • Are Not a Bank Deposit • Are Not a Condition to Any Banking Service or Activity • Are Not Insured by Any Federal Government Agency. Attachments that are part of this E-communication may have additional important disclosures and disclaimers, which you should read.

Additional information applies to E-communication messages sent from various region and business groups. To read this relevant information, please click on any category in the left-hand navigational area on this page that is applicable to this E-communication message.