Taking care of your family and other people in your life
- Trust & Estate Planning Services4
- Education Funding1
- Insurance3
For us, success is about helping you reach your goals, not a number.
See how we workYou have priorities and we have the insights you need to keep them front and center.
See how we workIndustry-leading research and expert analysis are here to help you stay ahead.
Explore our insightsThe Simonton-Walsh-Hanosek-Mangum Wealth Management Group
333 West Grandview Parkway
Suite 300
Traverse City, MI 49685-1340
231.922.6825
Visit our page333 West Grandview Parkway
Suite 300
Traverse City, MI 49685-1340
8425 Pulsar Place,
Columbus, OH 43240
open in Google maps
9825 Sawmill Pkwy,
Powell, OH 43065
open in Google maps
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Forbes “Best-in-State Wealth Advisors” 2018, 2019 and 2020
Forbes “Best-in-State Wealth Advisors” 2019
Forbes “Best-in-State Wealth Advisors” 2019 and 2020
Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.
Since 1976, Rick has served an affluent clientele that continues to refer friends and family members to him. Before joining Merrill in 2000, Rick had developed keen insights into the worlds of investing and banking at several well-known institutions. As the team’s co-founder and “big picture” investment strategist, Rick focuses primarily on income management, portfolio construction, concentrated stock diversification, and business succession planning.
A lifetime learner, Rick holds a Bachelor of Science degree in Finance from DePaul University and has pursued on-going industry education throughout his career. He is a CERTIFIED FINANCIAL PLANNER™ professional, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also completed the educational component of the CIMA® at the Wharton School at the University of Pennsylvania and was awarded the designation of Certified Investment Management Analyst® by the Investments & Wealth Institute™. In addition, Rick holds the Certified Private Wealth Advisor® designation.
Rick's passion for the outdoors extends to his active involvement on the board of Traverse Area Recreation and Transportation Trails (TART). Rick also enjoys cross-country skiing, snowshoeing, hiking and biking. In addition, Rick participates in the Michigan Department of Transportation Adopt-A-Highway program.
Rick and his wife, Donna, reside in Suttons Bay, Michigan, and Columbus, Ohio. They are proud parents of three grown children – all of whom worked for the team in high school. Today, Kyle lives in Washington State where he works as a pharmacist, while Katie teaches 2nd grade in Dublin, Ohio, and Kris works as a Sales and Marketing Specialist for Zimmer Biomet in their Surgical Division.
*Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
*Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®, CPWA® and Certified Private Wealth Advisor®. Use of CIMA®, and/or Certified Investment Management Analyst®, CPWA® and/or Certified Private Wealth Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for certification.
Senior Vice President
Wealth Management Advisor
231.922.6825Having followed stocks at an early age, Kevin has always been a student of the markets. Pursuing his passion for more than 35 years, Kevin has helped business owners and other clients pursue the goals they envision – for themselves and those they love. Kevin’s career has not only spanned decades, but all types of markets, and generations of high-net-worth families for whom his ability to manage portfolio risk has brought him a continuum of referred clients.
In 1983, Kevin became the youngest advisor ever to work for Shearson Lehman. Over the years, he has honed a highly disciplined process in which his focus on input from both spouses and entire families gives him an investment perspective that is not solely driven by market indicators, but by clients’ situations, aspirations, risk tolerance, and other personal preferences.
Since joining Merrill in 2010, Kevin has continued to serve two, three and four generations of clients’ families – analyzing market conditions and trends, and using internal and external research to construct customized portfolios he crafts (typically, with a range of asset classes across sectors and borders). He also has helped many clients with business succession strategies, including the full or partial sale of their enterprises.
As a Portfolio Manager, Kevin can help clients pursue their objectives by managing on a discretionary basis his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies.
Kevin is a life-long resident of the Columbus area and lives in Blacklick with his wife, Connie. Their daughter, Kathleen, is a schoolteacher and their son, Kyle, is studying Engineering at Cornell University where he is also a member of the men’s soccer team. Actively involved in the community, Kevin sits on the endowment and advisory board for St. Charles Preparatory School, on the board of The Cancer Support Community of Central Ohio, and serves as president of the Ohio Regional Training Center (which trains Ohio State University wrestlers for The Olympics).
*Asset allocation does not ensure profit or protect against loss in declining markets.
Senior Vice President
Senior Consultant
614.342.6287Cary is a fourth-generation entrepreneur who is celebrating over 25 years in financial services and has relationships with clients that extend to generations of their families. Thanks to her grandmother, Cary got an early start with investing – encouraged to track stocks in elementary school and given her first subscription to The Wall Street Journal in college.
For Cary – one of the group’s co-founders – helping simplify the complex financial challenges facing busy clients is at the heart of her highly personalized, planning-based approach. Cary is also driven to help women make confident financial decisions, especially when confronted by periods of crisis (including divorce or the loss of a family member).
Before joining Merrill in 2000, Cary worked on the Huntington Investments Trading Floor and as an investment advisor with Huntington’s Private Bank investment team.
Cary’s rigorous industry training reflects her desire to serve clients as their lives evolve. She is a CERTIFIED FINANCIAL PLANNER™ professional, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Chartered Retirement Planning Counselor designation. Cary also holds the Chartered Advisor in Philanthropy® designation and serves clients who, like Cary, have a passion for helping others.
Among Cary’s areas of focus are Impact Investing and working with social enterprises to help further “the triple bottom line” (people, planet, profit). Specifically, she helps define and implement charitable giving strategies for families and advises entrepreneurs and medical professionals on personal and corporate matters – including succession planning and exit strategies.
Generous with her time, Cary is a founding member of Women for Economic and Leadership Development (WELD), a strategic alliance partner for Entrepreneur Organization (EO) and a board member of the YWCA of Columbus Endowment. She also co-founded The Merrill Bull Run which has raised over $1,000,000 for Nationwide Children’s Hospital, participates on multiple leadership committees for her church, and provides counseling to families with children with epilepsy. To “relax,” Cary enjoys running, watching documentaries, participating with The Girl Scouts, dancing, and attending her children’s activities. Cary grew up in Springfield, Ohio and resides in Upper Arlington with her husband, Joe, and their two daughters. She holds a Bachelor’s degree in Economics from University of Virginia.
*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.
First Vice President
Wealth Management Advisor
614.880.4809One of the group’s principals, Steve joined Merrill in 2003. In crafting risk-managed investment and retirement strategies for clients, Steve believes that a simple explanation should accompany each recommendation – regardless of its complexity. Steve considers himself results-oriented and welcomes the challenge of meeting clients’ stated goals.
Highly regarded by the firm, Steve travels across the nation to help train Merrill financial advisors on practice management strategies. He also speaks to new employees across the firm about transitioning into the world of financial services.
Steve holds the Chartered Retirement Planning Counselor designation and is a proud graduate of The Ohio State University, earning his degree in Economics. He also holds an Associate’s degree from Salt Lake Community College, where he played baseball.
Originally from Upper Arlington, Steve resides in Dublin, Ohio with his wife, Aubrey, and their four young daughters. Steve relishes family time – grilling and hanging out in the backyard, coaching his daughters in soccer, and watching them play basketball, swim, dance, and take golf lessons (so that one day, they can give him some competition). Steve’s father taught for 30 years at The Ohio State University Fisher College of Business, which solidifies Steve’s support for his alma mater’s sports teams. Steve is also involved in his church and has coached high school baseball.
*CRPC® and Chartered Retirement Planning Counselor are registered service marks of the College for Financial Planning.
Senior Vice President
Senior Resident Director
614.880.4808Shana works with individuals and families to define their priorities and takes the steps to help make their goals a reality. Through this process, she reviews potential financial risks including outliving assets, consideration for rising costs of health care, long-term care expenses, college funding and unexpected loss of income. Shana takes an in-depth look at cash flow and savings in pairing with the appropriate investment strategy.
Shana joined Merrill in 2003 after graduating with a Bachelors of Science in Business Administration from Westminster College in New Wilmington, PA. She is a CERTIFIED FINANCIAL PLANNER™ professional, a designation awarded by the Certified Financial Planner Board of Standards, Inc.
Shana resides in Westerville with her husband, Will, and their three young children. Among her favorite moments outside of the office, time is spent with her family – biking, gardening, and baking. Shana also has a passion for giving back to the community. Since its inception in 2004, Shana has provided an instrumental role in the planning and implementation of the Bull Run benefiting Nationwide Children’s Hospital. The 5k, 10k and Kids Fun Run will surpass $1,000,000 in fund raised to provide support to patients and their families.
*Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Associate Resident Director - Wealth Management Advisor
614.356.3074After a successful career in sports marketing and golf course management, Justin joined Merrill in 2014. Justin’s primary role is handling the implementation of strategies that may include investment, retirement planning, insurance, and liability management. Justin finds special satisfaction in developing financial roadmaps for clients and helping them achieve goals they deem meaningful.
Justin graduated from LaGrange College in Georgia with a Bachelor’s degree in Business Management and a concentration in Market Research and International Economics. He and his wife, Kristina, reside in Dublin with their two young children. Active in his community, Justin volunteered for years as a baseball coach at Dublin Jerome High School. These days, he is the varsity pitching coach at Dublin Scioto High School. Justin also enjoys playing with his kids, a good round of golf, and rooting for Auburn University’s football team.
Senior Financial Advisor
614.356.3027Madeline brings clients more than a decade of varied financial services experience. In 2005, she joined Edward Jones and worked closely with clients – handling their administrative and account requests. With her growing interest in developing strategies for clients, Madeline entered the firm’s financial advisor training program and eventually was asked to run its Delaware, Ohio office.
In 2011, Madeline’s ability to build relationships with clients and serve their best interests led to an invitation by Merrill to join the firm. Since then, Madeline has been diligent in educating clients – on setting financial goals and being disciplined in following an agreed-upon strategy. Madeline also values the opportunity to share her skills as co-coordinator of Merrill’s Central Ohio’s Financial Advisor Training Program.
Raised in Elyria, Madeline lives in Westerville with her husband, Mike. They are proud parents of two grown children – a son who graduated from Indiana University and works for Bank of America in Ohio and a daughter who graduated from Ohio University and works as a digital marketing specialist in Seattle. Madeline and Mike are big fans of their family’s alma maters’ sports teams, and enjoy family time, reading, playing tennis and traveling to the beach and Broadway shows. Madeline is an active volunteer at the Delaware Ohio Senior Center and participates in several community initiatives through Bank of America’s Lead Program (Race for the Cure, USO Honor Flight, and Dress for Success). For the past four years, she also has served on various Merrill Bull Run committees. Madeline graduated from The Ohio State University with a Bachelor of Science degree in Business Administration and a major in Marketing.
Senior Consultant
614.825.0486Inspired to make a positive and meaningful impact on people’s lives, Taylor left the retail profession – where she managed stores for two years following college. Hoping to apply her people skills and directly assist hardworking families, Taylor joined Merrill in 2016 and The Simonton-Hanosek-Mangum Wealth Management Group in 2017.
Taylor focuses on bringing clients a holistic and realistic planning-based approach that can help them pursue goals for themselves and loved ones. Just as she learns from her colleagues, Taylor finds it critical to learn from clients, so that the strategy she helps develop on their behalf is one that genuinely reflects their situation, concerns and ambitions. For Taylor, introducing clients to the firm’s resources and technology is also a passion – especially when engaging with the next generation of clients’ families.
Taylor graduated from Kent State University with a Bachelor of Business Administration degree. Originally from Lorain, Ohio, she resides in Columbus with her husband, Stefan. When they’re not snowboarding, Taylor is a loud and proud fan of Pittsburgh teams – the Steelers, Pirates and Penguins. She is also an active member of the Junior League of Columbus – supporting local youth and helping the community as a whole.
Wealth Planner
614.880.4813For many clients, Danielle is the initial point of contact – not only handling their transactional, account and administrative needs, but also serving as their responsive liaison with other team members and specialists throughout the firm.
In 1995, Danielle launched her financial services career at Huntington National Bank in the corporate trust department. Three years later, she met Rick Simonton and Cary Hanosek in the private banking division. In 2000, they all moved to Merrill.
Danielle resides in Columbus with her husband, Warren, and their three children. A graduate of Franklin University, Danielle holds a Bachelor of Business Administration degree. When not in the office, Danielle puts a premium on family time, working out, and volunteering at her children’s school, their church, and at The Mid-Ohio Food Bank.
Registered Senior Wealth Management Client Associate
614.880.4811When Maggie came on board in 2012, she brought more than ten years of varied financial services experience to the group. During her career at The Huntington Investment Company, she worked on the equity trading desk, directly with clients, and with the President of the Investment Company and Capital Markets Group.
In her current role, Maggie handles clients’ administrative and account needs – focusing on providing concierge-level service meant to surprise and delight clients with each interaction. Maggie grew up in Upper Arlington and lives there today with her husband, Rob, and their four children (two in college and two in high school). A former student at University of Dayton, Maggie is a big football fan of the Pittsburgh Steelers and The Ohio State Buckeyes, and a frequent volunteer at her church and her children’s school. On Maggie’s “bucket list” is a return trip to Ireland.
Wealth Management Client Associate
614.356.3076Before graduating cum laude with a Bachelor’s degree in Finance from The Fisher College of Business at The Ohio State University, Mitch began working on a part-time basis for the group – during his freshman year.
Since transitioning to a full-time role in 2018, Mitch has worked closely with other team members in preparing proposals and documentation, investment trading, and serving clients with the level of dedication that defines the group’s level of client care. He also connects clients with specialists he has come to know throughout the firm. Mitch’s strong verbal and listening skills make him an excellent addition to the team and to client families that appreciate his attention to accuracy and detail.
Mitch was raised in Upper Arlington and resides in the Grandview area. He played baseball in high school and has continued his love for the game by giving back and coaching summer baseball at his alma mater. An avid golfer and lover of live music, Mitch is also a loud and proud Buckeyes sports fan.
Registered Wealth Management Client Associate
614.880.4814The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Trust Specialist
Bank of America, N.A.
At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.
Perhaps, we are idealistic. At The Simonton-Walsh-Hanosek-Mangum Wealth Management Group, we believe that clients deserve an uncommon level of personalized wealth management. That is why we act as a financial advisory resource for clients – placing their situations and aspirations at the core of our thoughtful and responsive process.
Having worked together for decades and with many client families just as long, our team has found that serving a select number of clients enables us to do more for each. This approach, we believe, is why we have become the “first call” for many clients when matters of health, wealth, and family are primary concerns.
Unlike other advisory teams, our banking heritage affords us a perspective that extends well beyond investments. We offer integrated, goals-based strategies that embrace retirement planning, wealth transfer, philanthropy, business succession, and liability management. We also connect clients with our firm’s outstanding specialists, as well as resources throughout their communities.
It is a privilege to serve clients we admire for their achievements and values.
We believe the value of a financial advisory team is best measured by the real-world goals that clients achieve and the wealth management experience they enjoy along the way.
At The Simonton-Walsh-Hanosek-Mangum Wealth Management Group, we make it our business to:
• Help hard-working clients plan and prepare for financial transitions, as well as likely and unlikely circumstances.
• Ask questions that lead to thoughtful discussions and to more meaningful strategies, such as “What is on your list? What is your definition of financial success? What financial or life lessons do you want to ensure your family knows? What is on your bucket list? What do you hope to accomplish professionally? What do you expect from us?”
• Listen carefully to our clients individually and in groups. We host intimate client gatherings and also have outside moderators conduct client focus groups – to understand what we are doing well and where we can improve.
• Use our banking pedigrees. Four of us launched our careers in banking, which gives us the mindset and dexterity to meet a vast array of clients’ financial challenges with customized strategies and solutions.
• Show clients how generational wealth strategies can lead to desired lifestyles and legacies.
• See each client as an individual – with important pursuits, purposes, and people in his or her life.
If it keeps you up at night, we want to know.
Our passion stems from why we chose to enter the wealth management industry. Put simply, we enjoy helping people make confident financial and life decisions.
Here’s what you can expect:
• A highly personalized, planning-based process that begins on day one and is on-going. From the outset, we need to appreciate your life priorities, concerns, risk tolerance, and preferences. As time goes on, we will develop a tailored strategy for you and you alone – to connect your personal, professional, and family goals.
• Frequent communication with you is a cornerstone of our approach – one grounded in a clear view of who you are and what you envision going forward. We will also help you understand the feasibility of your goals and the trade-offs you may need to make now or in the future.
• We look for ways to educate clients’ and their children about investing.
• We also facilitate family wealth discussions that may be difficult for you to initiate on your own – often collaborating with CPAs and attorneys.
In 1914, Charles Merrill said, “The interests of our customers must come first.” It is our feeling that he would be proud to see the premium we place on our commitment to clients.
Each day, we deliver our knowledge and care in ways we believe many clients never expected. Striving to be “life advisors,” we care about clients’ financial, physical, and emotional wellbeing – introducing them to doctors and counselors as well as CPAs and attorneys or specialists within our firm.
Clients have earned their wealth in different ways – and come to us with distinct financial perspectives. They include active and retired business owners, corporate executives, and professionals. As it turns out, we have built enduring relationships with generations of client families – many we consider among our closest friends.
As often as possible, we work with our clients, talk to their children, and conduct family meetings to discuss matters of estate planning, business succession, or the support of a special needs child or elderly parent. It is our responsibility to provide strategies and service that contribute to a highly customized wealth management experience.
From our offices in Columbus, Ohio, and Traverse City, Michigan, we serve clients nationwide. Location and distance are not issues for us. Regardless of geography, our mission is to deliver a consistently robust level of service. We measure our effectiveness by the positive impact we make during clients’ most challenging transitions.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.
1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.
We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.
We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.
Your life and goals change. As these changes occur, we can update your approach to reflect them.
MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.
Your advisor is a click away within our site or mobile apps
You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features
Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool
Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.
As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.
We put you first, every day. |
We get to know you and your family, your financial situation and what matters most to you.
Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.
Get the latest investment insights, tips and strategies to help you live your best financial life.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNERTM in the U.S.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®. Use of CIMA®, and/or Certified Investment Management Analyst® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CPWA® and Certified Private Wealth Advisor®. Use of CPWA®, and/or Certified Private Wealth Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks RMA® and Retirement Management Advisor®. Use of RMA®, and/or Retirement Management Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.
CAP® and Chartered Advisor in Philanthropy® are the property of The American College, which reserves the sole rights to its use, and used by permission.
CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.
You are leaving Bank of America’s website and being redirected to FINRA's BrokerCheck. The website is not owned by Bank of America® or its affiliates and is subject to separate terms and privacy policies.
"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.
© 2019 Bank of America Corporation.
"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.
©2019 Bank of America Corporation. Published in Australia by BANA Australia.
"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 an authorized foreign bank 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).
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. © 2019 Bank of America Corporation.
"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 | email: ouvidoria_bamlbrasil@baml.com
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.
© 2019 Bank of America Corporation.
"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 | e-mail: ouvidoria_bamlbrasil@baml.com
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 Mexico, 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.
© 2019 Bank of America Corporation.
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").
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:
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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 qualifies) 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.
The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.
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.
Access to the Sites is by invitation only to professional investors.
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.
Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.
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.
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.
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.
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.
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.
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.
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.
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
"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.
© 2019 Bank of America Corporation
We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.
Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by email) that's customized to meet specific interests you may have.
If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.
Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill Account Access. These ads are based on your specific account relationships with us.
To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.
By clicking continue, you will be taken to a website that is not affiliated with Merrill and may offer a different privacy policy and level of security. Merrill 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 "Return to Merrill; button now to return to the previous page, or you can close the new window after you leave.
- 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 Merrill Lynch's website and being redirected to FINRA'S BrokerCheck. The website is not owned by Merrill Lynch®, Bank of America® or their affiliates and is subject to separate terms and privacy policies.
By clicking continue, you will be taken to a website that is not affiliated with Merrill and may offer a different privacy policy and level of security. Merrill 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 'Return to Website" button now to return to the previous page, or you can close the new window after you leave.
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.