Season’s Greetings from BNY Mellon

BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation and may also be used as a generic term to reference the Corporation as a whole and/or its various subsidiaries generally. Products and services may be provided under various brand names and in various countries by subsidiaries, affiliates, and joint ventures of The Bank of New York Mellon Corporation where authorized and regulated as required within each jurisdiction. Not all products and services are offered at all locations.

The information contained in this material, which may be considered advertising, is for general information and reference purposes only and is not intended to provide or be construed as legal, tax, accounting, investment, financial or other professional advice on any matter, and is not to be used as such. This material and the statements contained herein are not an offer or solicitation to buy or sell any products (including financial products) or services or to participate in any particular strategy and should not be construed as such. Information contained in this material is subject to change without notice. BNY Mellon assumes no liability (direct or consequential or any other form of liability) for any errors in or reliance upon this information.

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