Disclaimer

Attachments to this message (“Message”) may have additional important disclosures and disclaimers, which you should read. Additional messages may be sent from various regions and business groups.

NOTICE: All electronic communications (e.g., email instant, message, SMS, web conferencing, screen sharing, file exchanges), whether in the form of audio, video or text, and any attachments thereto (each, 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 errors in transmitting or receiving an e-communication. If you receive an e-communication but are not an intended recipient, please notify Sender, and then please delete and destroy all copies of the e-communication, and be advised that any review or dissemination of, or the taking of any action in reliance on, the information contained in the e-communication is prohibited. E-communications are 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.

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 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.