Attachments that are part of this e-Communication may contain additional important disclosures and disclaimers, which you should read.

NOTICE: This message and any other electronic communication (i.e., e-Mail, 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 licensing requirement within such location.

The transmission and content of this e-Communication cannot be guaranteed to be secure nor free of errors nor 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 e-Mail and decide not to use unencrypted e-Mail to communicate with Sender, please notify the sender. Sender provides access to a secure site for the exchange of certain documents and other communications. 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.

Please contact the sender as to any questions that you may have regarding the 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.