Skip to content
Recent searches:
Commercial banking;Investment banking;Global markets;Trader insights;Trading;Foreign exchange;CashPro;Global research;Best practices;Innovation;International;Commercial real estate;Healthcare;Mergers and acquisitions;Futures and options;Mercury;Fraud;Liquidity;Working capital;Payments;ACH;Corporate Banking;Virtual Payables;Smart Trading;Corporate Card;Payment Center

Data Privacy Message

Latviešu

PĒDĒJOREIZ ATJAUNOTS: 2018. gada 22. martā

BAML korporatīvo norēķinu kartes privātuma paziņojums

 

Šajā Privātuma paziņojumā izskaidrots, kā “Bank of America Merrill Lynch” uzņēmumi tiešsaistē un bezsaistē ievāc, lieto un izpauž personas datus saistībā ar korporatīvo norēķinu karšu, korporatīvo maksājumu un ziņošanas pakalpojumiem, ko nodrošinām saviem korporatīvajiem un institucionālajiem klientiem („Pakalpojumi”). Šajā paziņojumā ar „jūs” mēs vēršamies pie personām, kuru personas datus mēs apstrādājam, piemēram, karšu īpašniekiem, ceļotājiem un personām, kuras strādā ar mūsu klientiem.

 

Personas dati

Personas dati” ir informācija, kas identificē personu vai ir saistīta ar identificējamu personu, tajā skaitā:

  • vārds un uzvārds;
  • pasta adrese;
  • tālruņa numurs;
  • e-pasta adrese;
  • dzimšanas datums;
  • pases vai citu valsts vai pavalsts izsniegtu personas identifikācijas veidu informācija (ieskaitot sociālās apdrošināšanas, autovadītāja apliecības, valsts apdrošināšanas un citus identificējošus numurus);
  • tituls;
  • mātes pirmslaulības uzvārds;
  • bankas konta dati;
  • darba ņēmēja identifikators;
  • ierīces identifikators;
  • tālruņa vai elektroniskie ieraksti;
  • IP adrese.

 

Mums var būt nepieciešams vākt un apstrādāt Personas datus, lai sniegtu prasītos Pakalpojumus vai pildītu mums tiesību aktos noteiktos pienākumus. Ja mēs nesaņemsim pieprasīto informāciju, mēs, iespējams, nevarēsim sniegt pieprasītos Pakalpojumus.

 

Personas datu vākšana

Mēs un mūsu aģenti, saistītie uzņēmumi un pakalpojumu sniedzēji varam vākt Personas datus dažādos veidos, tajā skaitā:

 

  • sniedzot Pakalpojumus: mēs varam vākt Personas datus, sniedzot Pakalpojumus;
  • bezsaistē: mēs varam no jums ievākt Personas datus bezsaistē, piemēram, kad jūs piedalāties darījumā vai līgumiskās attiecībās;
  • no citiem avotiem: mēs varam saņemt Personas datus no citiem avotiem, piemēram, no jūsu darba devēja, uzņēmuma, kam mēs sniedzam Pakalpojumus, un citām trešajām personām.

 

Personas datu lietošana

Mēs un mūsu pakalpojumu sniedzēji varam izmantot Personas datus savās likumīgajās lietišķajās interesēs, ieskaitot šādus nolūkus:

 

  • lai pārvaldītu jūsu kartes vai mūsu klienta kartes programmu un sniegtu pakalpojumus jums vai mūsu klientam;
  • lai sekmētu darījumus;
  • lai pildītu visu attiecināmo karšu sistēmu noteikumus; atbildētu uz mūsu klientu vaicājumiem un izpildītu to pieprasījumus, pārvaldītu viņu kontu(-s) un uzturētu mūsu attiecības;
  • lai pārbaudītu personas identitāti un/vai atrašanās vietu (vai arī jūsu pārstāvja vai aģenta identitāti un atrašanās vietu), lai atļautu piekļūt klienta kontiem vai veiktu darījumus tiešsaistē;
  • lai aizsargātu kontu drošību un Personas informāciju;
  • saimnieciskos nolūkos, ieskaitot datu analīzi, revīzijas, produktu un pakalpojumu izstrādi un uzlabošanu, lietojuma tendenču identificēšanu un reklāmas kampaņu efektivitātes novērtēšanu, kā arī mūsu Pakalpojumu uzlabošanu, pilnveidi vai pārveidošanu;
  • riska pārvaldībai, krāpniecības atklāšanai un novēršanai, ieskaitot klientu izpēti, noziedzīgi iegūtu līdzekļu legalizācijas apkarošanu, uzticamības pārbaudes prasību izpildi, sankciju noteikumu ievērošanu, krāpniecības uzraudzību un nodokļu pārskatu iesniegšanu;
  • lai nodrošinātu atbilstību tiesību aktiem un regulām (ieskaitot visu veidu tiesiskas vai regulatīvas vadlīnijas, kodeksus un atzinumus) un pildītu citas tiesvedības un tiesībsargājošo iestāžu prasības; un
  • lai nosūtītu klientiem administratīvu informāciju, piemēram, izmaiņas mūsu noteikumos, nosacījumos un politikās.

 

Personas datu izpaušana

Personas dati var tikt izpausti šādām personām:

 

  • jebkurai personai vai uzņēmumam, kas strādā mūsu labā (ieskaitot juridisko, revīzijas un grāmatvedības pakalpojumu sniedzējus, tehnoloģiju un datu apstrādes uzņēmumus un IT mitināšanas pakalpojumu sniedzējus);
  • jūsu darba devējam vai jūsu darba devēja uzņēmumu grupai jeb mūsu klientam;
  • jebkurai personai vai uzņēmumam, kas jums, jūsu darba devējam jeb mūsu klientam nodrošina ar jūsu karti vai darījumu saistītus produktus vai pakalpojumus (ieskaitot mūsu apdrošinātājus, apdrošināšanas brokeri, karšu sistēmu, papildvērtības pakalpojumu sniedzēju, ceļojumu pārvaldības uzņēmumu);
  • jebkurai personai, kurai mēs nododam vai varētu nodot savas tiesības vai pienākumus saskaņā ar līgumu, kuru esam noslēguši ar jūsu darba devēju jeb mūsu klientu;
  • jebkurai maksājumu sistēmai, saskaņā ar kuru mēs izsniedzam jūsu karti, karšu programmu vai darījumu;
  • jebkurai iestādei, tiesai, aģentūrai vai institūcijai (ieskaitot tiesībsargājošās iestādes), kurai mums ir pienākums to atklāt saskaņā ar tiesību aktiem, tajā skaitā, bet ne tikai pretterorisma un noziedzīgi iegūtu naudas līdzekļu legalizācijas apkarošanas jomas tiesību aktiem un regulām, kā arī noziedzības un terorisma apkarošanas nolūkos;
  • jebkuram konta informācijas pakalpojumu sniedzējam vai citai trešajai personai, kuru jūs, jūsu darba devējs vai mūsu klients ir pilnvarojis saņemt mūsu rīcībā esošos datus vai piekļūt tiem;
  • mūsu saistītajiem uzņēmumiem šajā Privātuma paziņojumā aprakstītajiem nolūkiem (mūsu saistīto uzņēmumu saraksts ir pieejams pēc pieprasījuma); un
  • mūsu trešo personu pakalpojumu sniedzējiem, kuri sniedz tādus pakalpojumus kā tīmekļa vietņu mitināšanu, datu analīzi, maksājumu apstrādi, pasūtījumu izpildi, informācijas tehnoloģiju un ar to saistītās infrastruktūras nodrošinājumu, klientu apkalpošanu, e-pastu piegādi, karšu izgatavošanu, drukāšanu, revīziju un citus pakalpojumus.

 

Ja esat sniedzis nepatiesu vai neprecīzu informāciju vai arī ja mums radīsies aizdomas par krāpniecību, mēs to reģistrēsim un, iespējams, nodosim šo informāciju krāpšanas novēršanas un tiesībsargājošām iestādēm.

 

Ja kāds ar kontu saistīts maksājums tiek apstrādāts vispasaules maksājumu sistēmā, informācija par jums var tikt nodota noteiktām iestādēm (ieskaitot iestādes ārpus Apvienotās Karalistes), lai atklātu un novērstu terorismu.

 

Citi lietošanas un izpaušanas veidi

Mēs varam arī izmantot un izpaust Personas datus, ja uzskatām to par nepieciešamu vai piemērotu, šādos gadījumos: (a) lai pildītu piemērojamo tiesību aktu prasības, kas var iekļaut tiesību aktus, kas izdoti ārpus tās valsts, kur jūs atrodaties, lai atbildētu uz publiskā sektora un valsts iestāžu pieprasījumiem, kas var ietvert ārpus jūsu valsts esošas iestādes, lai sadarbotos ar tiesībsargājošām iestādēm, vai citu likumīgu iemeslu dēļ; (b) lai panāktu mūsu noteikumu un nosacījumu izpildi; un (c) lai aizsargātu savas un/vai savu saistīto uzņēmumu, jūsu vai citu tiesības, privātumu, drošību vai īpašumu.

 

Turklāt mēs varam izmantot, izpaust vai pārsūtīt Personas datus trešajām personām mūsu uzņēmējdarbības, aktīvu vai akciju pilnīgas vai daļējas reorganizācijas, apvienošanas, pārdošanas, kopuzņēmuma, tiesību pārņemšanas, tiesību nodošanas vai atsavināšanas gadījumā (ieskaitot bankrota vai tamlīdzīgas procedūras).

 

CITA informācija

Cita informācija” ir jebkura informācija, kas neatklāj konkrētas personas identitāti vai arī nav tieši saistīta ar identificējamu personu, piemēram:

  • pārlūkprogrammas un ierīces informācija;
  • lietotnes izmantošanas dati;
  • ar sīkdatņu, pikseļu atzīmju un citu tehnoloģiju starpniecību ievākta informācija;
  • demogrāfiskā informācija un cita jūsu sniegtā informācija, kas neatklāj konkrētas personas identitāti;
  • informācija, kas apkopota tādā veidā, kas vairs neļauj atklāt konkrētas personas identitāti.

 

Ja piemērojamajos tiesību aktos ir noteikta prasība mums uzskatīt Citu informāciju par Personas datiem, mēs varam to izmantot un izpaust tādos nolūkos, kuros mēs izmantojam un izpaužam Personas datus saskaņā ar šo Privātuma paziņojumu.

 

Citas informācijas vākšana

Mēs un mūsu pakalpojumu sniedzēji varam vākt Citu informāciju dažādos veidos, tajā skaitā:

 

  • ar pārlūkprogrammas vai ierīces starpniecību Noteikta informācija tiek vākta vairumā pārlūkprogrammu vai arī automātiski ar ierīču starpniecību , piemēram, mediju piekļuves kontroles (MAC) adrese, datora veids (Windows vai Mac), ekrāna izšķirtspēja, operētājsistēmas nosaukums un versija, ierīces ražotājs un modelis, valoda, interneta pārlūkprogrammas veids un versija, kā arī izmantoto Pakalpojumu (piemēram, lietotnes) nosaukums un versija. Mēs izmantojam šo informāciju, lai nodrošinātu Pakalpojumu pienācīgu darbību.
  • izmantojot sīkdatnes. Sīkdatnes ir izmantotajā datorā tieši saglabāta informācija. Sīkdatnes ļauj mums vākt tādu informāciju kā pārlūkprogrammas veids, Pakalpojumu izmantošanas ilgums, apmeklētās vietnes, valodu izvēle un citi anonīmi datplūsmas dati. Mēs un mūsu pakalpojumu sniedzēji izmantojam šo informāciju drošības nolūkos, lai uzlabotu navigāciju, efektīvāk attēlotu informāciju un personalizētu lietotāja pieredzi. Tāpat mēs vācam statistisko informāciju par Pakalpojumu izmantošanu, lai pastāvīgi uzlabotu to dizainu un funkcionalitāti, izprastu to lietojuma veidu un atvieglotu ar tiem saistīto jautājumu risināšanu. Pašlaik mēs neatbildam uz pārlūkprogrammu izsekošanas aizlieguma (do-not-track) signāliem.
  • Vairums pārlūkprogrammu ļauj personām automātiski noraidīt sīkdatnes vai arī piedāvā izvēli noraidīt vai pieņemt noteiktu sīkdatni (vai sīkdatnes) no konkrētas vietnes. Plašāka informācija ir pieejama šeit: http://www.allaboutcookies.org/manage-cookies/index.html. Sīkdatņu noraidīšanas dēļ atsevišķas Pakalpojumu daļas var pārstāt darboties.
  • ar pikseļu atzīmēm un citām līdzīgām tehnoloģijām. Mēs varam izmantot pikseļu atzīmes (dēvētas arī par tīmekļa bāksignāliem un tukšajām GIF datnēm), lai cita starpā izsekotu Pakalpojumu lietotāju darbības (ieskaitot e-pasta saņēmējus), mērītu savu mārketinga kampaņu panākumus un apkopotu Pakalpojumu lietošanas un atbilžu skaita statistiku.
  • ar analīzes pakalpojumiem: Mēs izmantojam Google Analytics, kas izmanto sīkdatnes un līdzīgas tehnoloģijas, lai vāktu un analizētu informāciju par Pakalpojumu lietošanu, un veido darbību un tendenču pārskatus. Šis pakalpojums var vākt arī informāciju par citu vietņu, lietotņu un tiešsaistes resursu izmantošanu. Lai uzzinātu vairāk par Google praksi, iesakām apmeklēt www.google.com/policies/privacy/ partners/_ un atteikties no to izmantošanas, lejuplādējot Google Analytics atteikuma pārlūkprogrammas spraudni, kas ir pieejams šeit: https://tools.google.com/dlpage/gaoptout.
  • caur IP adresi. Interneta pakalpojumu sniedzējs piešķir datoram IP adresi automātiski . IP adresi var identificēt un automātiski reģistrēt mūsu servera žurnālfailos ik reizes, kad lietotājs piekļūst Pakalpojumiem, fiksējot arī apmeklējuma laiku un apmeklēto(-ās) lapu(-as). IP adrešu vākšana ir standarta prakse, un to automātiski veic daudzas vietnes, lietotnes un citi pakalpojumi. Mēs izmantojam IP adreses tādiem nolūkiem kā lietojuma līmeņa aprēķināšanai, servera problēmu diagnosticēšanai un Pakalpojumu pārvaldīšanai. No IP adreses mēs varam izsecināt arī lietotāja aptuveno atrašanās vietu.

 

Citas informācija izmantošana un izpaušana

Mēs varam izmantot un izpaust Citu informāciju jebkādā nolūkā, izņemot gadījumus, kad piemērojamo tiesību aktos ir noteiktas prasības mums rīkoties citādāk. Dažos gadījumos mēs varam apvienot Citu informāciju ar Personas datiem. Ja mēs tā darīsim, mēs izturēsimies pret apvienoto informāciju kā pret Personas datiem, kamēr vien tie būs apvienoti.

 

TREŠO PERSONU PAKALPOJUMI

Šis Privātuma paziņojums neattiecas un mēs neesam atbildīgi par tādu trešo personu privātumu, informāciju vai citu praksi, tostarp jebkurām trešajām personām, kas pārvalda vietni vai pakalpojumu, uz kuru ir norādīta saite Pakalpojumos. Saites norādīšana Pakalpojumos nenozīmē to, ka mēs vai mūsu saistītie uzņēmumi apstiprina vietni vai pakalpojumu, uz kuru ir sniegta attiecīgā saite.

 

drošība

Mēs cenšamies īstenot saprātīgus organizatoriskos, tehniskos un administratīvos pasākumus, lai aizsargātu mūsu organizācijas rīcībā esošos Personas datus. Diemžēl neviena datu pārraides vai glabāšanas sistēma nevar garantēt simtprocentīgu drošību. Ja jums ir pamats uzskatīt, ka jūsu sadarbība ar mums vairs nav droša, lūdzam nekavējoties mums par to paziņot, izmantojot turpmāk redzamo sadaļu „Sazināties ar mums”.

 

Kā personas var piekļūt saviem Personas datiem, kā arī mainīt vai apslēpt tos

Ja vēlaties pieprasīt pārskatīt, labot, atjaunot, apslēpt, ierobežot piekļuvi vai dzēst Personas datus, kurus esat sniedzis mums iepriekš, vai saņemt savu Personas datu elektronisko kopiju, lai pārsūtītu to citam uzņēmumam (ciktāl šādas datu pārnesamības tiesības jums nodrošina piemērojamie tiesību akti), jūs varat ar mums sazināties pa tālruni [klientu apkalpošanas tālruņa numurs]. Mēs atbildēsim uz jūsu pieprasījumu piemērojamajos tiesību aktos noteiktajā kārtībā.

 

Savā pieprasījumā, lūdzu, skaidri norādiet, kurus Personas datus vēlaties mainīt, vai vēlaties apslēpt savus Personas datus mūsu datubāzē, vai arī norādiet, kādus citus ierobežojumus jūs vēlaties piemērot savu Personas datu izmantošanai mūsu uzņēmumā. Jūsu drošības labad mēs varam ieviest pieprasītās izmaiņas tikai attiecībā uz tiem Personas datiem, kas saistīti ar konkrēto e-pasta adresi, no kuras jūs iesūtāt savu pieprasījumu, un mums var būt nepieciešams pārbaudīt jūsu identitāti pirms izmaiņu ieviešanas. Mēs centīsimies izpildīt jūsu pieprasījumu pēc iespējas īsā laikā.

 

Lūdzam ievērot, ka mums var būt nepieciešams saglabāt noteiktu informāciju lietvedības un/vai regulatīvos nolūkos un/vai, lai pabeigtu darījumus, kurus iesākāt pirms datu maiņas vai dzēšanas pieprasījuma. Iespējams, ka mūsu datubāzēs un ierakstos saglabāsies kādi informācijas atliekums, kas netiks dzēsts. Ja pieprasīsiet datu dzēšanu, iespējams, ka mēs vairs nevarēsim sniegt jums Pakalpojumus.

 

SAGLABĀŠANAS PERIODS

Mēs saglabāsim Personas datus tik ilgi, cik tas nepieciešams vai atļauts, lai sasniegtu mērķi(-us), kura(-u) labad tie tika iegūti. Saglabāšanas periodu mēs nosakām pēc šādiem kritērijiem: (i) mūsu attiecību ar klientu un Pakalpojumu sniegšanas ilgums; (ii) vai mūs saista kādi tiesību aktos noteikti pienākumi; (iii) vai saglabāšana ieteicama, ievērojot mūsu juridisko statusu (piemēram, saistībā ar piemērojamajiem noilgumiem, tiesvedību vai reglamentējošo iestāžu veiktu izmeklēšanu).

 

mūsu Pakalpojumu pieejamība NEPILNGADĪGĀM PERSONĀM

Pakalpojumi nav paredzēti personām, kuras nav sasniegušas astoņpadsmit (18) gadu vecumu, un mēs apzināti nevācam Personas datus no personām, kas jaunākas par 18 gadiem.

 

Jurisdikcija un NOSŪTĪŠANA PĀRI VALSTU ROBEŽĀM

Personas dati var tikt glabāti un apstrādāti jebkurā valstī, kur mums ir aprīkojums vai piesaistīti pakalpojumu sniedzēji, tostarp Amerikas Savienotajās Valstīs. Noteiktos apstākļos šo citu valstu tiesām, tiesībsargājošām, reglamentējošajām vai drošības iestādēm var būt tiesīgas piekļūt Personas datiem.

 

Ja jūs atrodaties Eiropas Ekonomikas zonā (EEZ): Eiropas Komisija ir atzinusi dažas ārpus EEZ esošas valstis par tādām, kur ir nodrošināts EEZ standartiem atbilstošs datu aizsardzības līmenis (pilns šādu valstu saraksts ir pieejams šeit: http://ec.europa.eu/justice/data-protection/international-transfers/adequacy/index_en.htm). Attiecībā uz pārskaitījumiem no EEZ uz valstīm, kuru standartus Eiropas Komisija neatzīst par atbilstošiem, esam ieviesuši pienācīgus Personas informācijas aizsardzības pasākumus, piemēram, Eiropas Komisijas apstiprinātos standarta līguma noteikumus. Šo pasākumu kopija ir pieejama šeit: http://ec.europa.eu/justice/data-protection/international-transfers/transfer/index_en.htm.

 

SENSITĪVA INFORMĀCIJA

Lūdzam nesūtīt mums nekādus sensitīvus Personas datus (piem., informāciju par rasi vai etnisko piederību, politiskajiem uzskatiem, reliģiskajiem vai citiem uzskatiem, veselību, biometriskajiem vai ģenētiskajiem datiem, kriminālsodāmību vai dalību arodbiedrībās) nedz ar Pakalpojumu starpniecību, nedz citā veidā.

 

ŠĪ PRIVĀTUMA paziņojuma ATJAUNINĀJUMI

Mēs varam mainīt šo Privātuma paziņojumu. Šī Privātuma paziņojuma augšdaļā redzamais uzraksts „Pēdējoreiz atjaunots” norāda, kad šī Privātuma politika ir pēdējoreiz pārskatīta. Jebkādas izmaiņas stāsies spēkā brīdī, kad mēs publiskosim pārskatīto Privātuma paziņojumu Pakalpojumos. Pakalpojumu lietošana pēc šādu izmaiņu ieviešanas nozīmē pārskatītā Privātuma paziņojuma pieņemšanu.

 

SAZIŅA AR MUMS

“Bank of America Merrill Lynch International”, adrese: 2 King Edward Street, London, EC1A 1HQ, UK, ir uzņēmums, kurš ir atbildīgs par jūsu Personas datu vākšanu, lietošanu un izpaušanu atbilstoši šim Privātuma paziņojumam.

 

Ja jums ir jautājumi par šo Privātuma paziņojumu, lūdzam sazināties ar mums pa tālruni 00800 0456 7890 vai rakstveidā uz šo adresi:

 

Bank of America Merrill Lynch Commercial Card, Amadeo Financial Centre, Chester Business Park, Chester, CH4 9FE, UK.

 

PAPILDINFORMĀCIJA EEZ IEDZĪVOTĀJIEM

Personas EEZ var arī

 

  • sazināties ar mums pa tālruni 00800 0456 7890, lai uzdotu jautājumus par šo Privātuma paziņojumu;
  • iesniegt sūdzību kompetentajai uzraugošajai iestādei savā valstī vai reģionā;
Bank of America Merrill Lynch X

You are now leaving Bank of America Merrill Lynch.

By clicking Continue, you will be taken to a website that is not affiliated with Bank of America Merrill Lynch and may offer a different privacy policy and level of security. Bank of America Merrill Lynch is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.

You can click the Cancel button now to return to the previous page.

Cancel Continue

With FINRA'S BrokerCheck, You can find out:

- If a broker or brokerage firm is registered
- What has been disclosed to regulators
- About a broker's past experience
- What a broker or brokerage firm is qualified to do

You are leaving Bank of America Merrill Lynch's website and being redirected to FINRA'S BrokerCheck. The website is not owned by Bank of America Merrill Lynch®, Bank of America® or their affiliates and is subject to separate terms and privacy policies.

Cancel Continue
X

General Disclaimer for Bank of America Merrill Lynch

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, 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, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.

© 2018 Bank of America Corporation.

Disclaimer for Australia:

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation ("BAC"). Lending and other commercial banking activities are performed globally by banking affiliates of BAC and in Australia by Bank of America, N.A. Australian Branch ("BANA Australia"). Securities, corporate advisory and capital markets services are performed in Australia by Merrill Lynch Markets (Australia) Pty. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate (together "BofAML") which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. Apart from BANA Australia, none of the other BofAML entities including BAC are Authorised Deposit-taking Institutions authorised under the Banking Act 1959 of Australia nor regulated by the Australian Prudential Regulation Authority. The obligations of BofAML entities (other than BANA Australia) do not represent deposits or other liabilities of BANA Australia and are not guaranteed by BANA Australia.

©2018 Bank of America Corporation. Published in Australia by BANA Australia.

Disclaimer for India:

Bank of America N.A. and DSP Merrill Lynch Limited are subsidiaries of Bank of America Corporation operating in India.

Bank of America N.A.: Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions.

DSP Merrill Lynch Limited: DSP Merrill Lynch provides the following services in India: Research, Equity Sales & Trading, Futures & Options, Electronic Trading, Equity Capital Markets, Debt Capital Markets and M&A. SEBI Regn Nos. Research Analyst: INH000000503, Stock Broking: INB/INF 011348134, INB/INF 231348138, Merchant Banker: INM000011625, Depository Participant: IN-DP-NSDL-223-2001. Registered Office: DSP Merrill Lynch Limited, Ground Floor, A-Wing, One BKC, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051, India. Tel.: (91-22) 6632 8000. For specific investor grievances, if any, email IDs are brokingindia@ml.com, dpindia@ml.com, dg.india_merchantbanking@baml.com. Compliance officer - Jinendra Shah, Email: jinendra.shah@baml.com, Tel No.: +91 22 6632 8000

Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, 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, Merrill Lynch, Pierce, Fenner & Smith Incorporated, which is a registered broker-dealer and member of SIPC, and in other jurisdictions, locally registered entities. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured. May Lose Value. Are Not Bank Guaranteed. © 2018 Bank of America Corporation.

Disclaimer for Brazil:

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, 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, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000

1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.

© 2018 Bank of America Corporation.

Disclaimer for Latin America:

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, 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, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000

1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários

"Merrill Lynch" is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.

Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that

Bank of America N.A. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. provides outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Superintendencia de Bancos e Instituciones Financieras and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.

Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation, including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are registered broker-dealers and members of FINRA and SIPC, and in other jurisdictions, by locally registered entities.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.

© 2018 Bank of America Corporation.

Disclaimer for Canada:

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets business of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is a foreign bank branch regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation. BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.

Securities, strategic advisory and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).

X

Terms and Conditions

TERMS AND CONDITIONS FOR BANK OF AMERICA CORPORATION WEBSITES

These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

USE OF SITES

Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client’s internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

  • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
  • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client’s internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
  • alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

SECURITY

Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client’s obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client’s obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

ACCOUNT INFORMATION

Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non–Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

NO WARRANTY

Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

  • FOR RESIDENTS OF BRAZIL:

    The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

  • FOR RESIDENTS OF CANADA:

    The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

  • FOR RESIDENTS OF FRANCE:

    The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

  • FOR RESIDENTS OF GERMANY:

    The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

  • FOR RESIDENTS OF HONG KONG:

    Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

  • FOR RESIDENTS OF IRELAND:

    Access to the Sites is by invitation only to professional investors.

  • FOR RESIDENTS OF ITALY:

    Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

  • FOR RESIDENTS OF JAPAN:

    Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

  • FOR RESIDENTS OF KOREA:

    Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

  • FOR RESIDENTS OF NETHERLANDS:

    Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

  • FOR RESIDENTS OF SINGAPORE:

    Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

LIMITATION OF LIABILITY

THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT’S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER’S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

UK CONDITIONS

Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

CHANGES TO AGREEMENT

Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

GOVERNING LAW

This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

THIRD-PARTY LICENSORS

The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

  • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
  • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
  • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
  • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
  • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
  • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
  • comply with all export laws in respect of Licensed programs;
  • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
  • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

MERRILL LYNCH, PIERCE, FENNER & SMITH – FURTHER INFORMATION

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, 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, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2018 Bank of America Corporation

Recent History

Saved Content

Select the plus icon on the tile to save content to the utility tray.

    Enable cookies.

    Please enable cookies on your browser preferences to save content to your utility tray.

    Close

    This content has been saved to the utility tray.

    Please note, if you clear your cache it will be lost.

    Close
    Close