This material and any products and services may be issued or provided under various brand names in various countriesby duly authorized and regulated subsidiaries, affiliates, and joint ventures of BNY 	The material contained in this report, which may be considered advertising, is for general information and reference purposes only and is notintended to provide or be construed as legal, tax, accounting, investment, financial or other professional advice on any matter, and is not tobe used as such.