Loan Amount
200000
Mutual funds that efficiently meet your financial goals
- Fixed returns
- Passive fund management
- Hassle-free process
Mutual Funds
Mutual Funds Distribution
Our Mutual Fund distribution team started its operation in September 2005, and since then, has spread widely across all parts of the country. The entire effort here is to provide you with end-to-end solutions to help you achieve your financial objectives in a hassle-free manner.
When it comes to investing, we understand that everyone has unique needs based on their own financial objectives and risk profiles. And while many investment avenues are open to investors, it is usually seen that in the longer run, equities typically outperform the others. Which is why, we believe that systematic investment in equity has the potential to help your money reap maximum returns and in turn, create more wealth for you in a shorter span of time.
However, investing in equity requires a thorough understanding of the market and its myriad complexities. This is where we step in with our expertise. Our advisors carefully understand your investment objectives and risk appetite. They accordingly help you allocate your money in schemes that are best suited for your unique needs. This way, you can hang up your boots, lie back and watch your money do all the hard work.
- Features & Benefits
- Eligibility and Documentation
- FAQs
Eligibility and Documentation
+For Resident Individuals
ID & Address proof
- Passport
- Driving license
- Permanent Account Number (PAN) card
- Voter's identity card issued by Election Commission of India
- Job card issued by NREGA duly signed by an officer of the State Government
- The letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number or any document as notified by the Central Government in consultation with the regulator
+For Companies
- PAN card
- Address proof (bank statement, telephone bill)
- Certificate of incorporation
- Memorandum of article & association & latest board resolution with specimen signatures
- Authorized signatory list
- Photograph of the signatories
- Cancelled cheque leaf for bank account verification
- ID & address proof of authorized signatories
+For Non-Resident Indians (NRI)
- Passport with valid visa
- Overseas employment letter (optional for confirmation of residential status and overseas address)
- A PIO card to establish Indian origin, if it is a foreign passport
- PAN card
- A local address proof, if different from the passport address
- a) Bank account statement or passbook
- b) Local Property papers with registration deed
- c) EB Bill card
- d) Voter ID or driving license
- Tax Residency Certificate from the Income Tax department of the country of which the investor is a resident
- Copy of the passport as of the beginning of the current financial year and end of financial year
+For Partnership Firms
- PAN card
- Address proof (bank statement, telephone bill)
- Partnership deed
- Resolution copy
- ID & address proof of all authorized signatories
- Photograph of the signatories
- Cancelled cheque leaf for bank account verification
+For Trusts and Foundations
- Names of trustees, settlers, beneficiaries and signatories
- Names and addresses of the founder, the managers/directors and the beneficiaries
- Telephone/fax numbers
Please note that we accept deposits from registered trust only and our investment has not qualified under Sec 11(5) of IT.
For Investment of Rs 1 crore and above, declaration of the source of income is required.
+Charitable Trust
- Copy of the registration certificate and/or 12(A) Certificate issued by Income Tax Dept.
- Acknowledgment of registration application, if applied for.
- PAN card copy
- Address proof
- List of signatories
- Board resolution/Consent letter from trustees
- Individual KYC of all trustees
- Photographs, ID & address proof of signatories
- Cancelled cheque leaf for bank account verification
- Trust deed
Please note Mahindra & Mahindra Financial Services is not registered U/S 11(5) of income tax act, hence Charitable Trust may invest in Mahindra Finance FD at THEIR OWN RISK.
+HUF
- HUF PAN card
- HUF/Kartha address proof & identity proof of Kartha
- Photograph
- Cancelled cheque leaf for bank account verification
+ Family Trust
- Copy of the registration certificate
- Acknowledgment of registration application, if applied for
- PAN card copy
- Address proof
- List of signatories
- Board resolution / Consent letter from trustees
- Individual KYC of all trustees
- Photographs, ID & address proof of signatories
- Cancelled cheque leaf for Bank account verification
- Trust deed
If the trust is not registered or not willing to be registered in future, a letter duly signed by authorized signatories stating the trust is not registered & not willing to be registered in future is required.
+Sole Proprietorship
- ID & address proof of the proprietor
- PAN card of proprietor
- Address proof
- Photograph
- If the sole proprietorship is in different name, the bank statement or registration certificate
- Telephone bill
- Cancelled cheque leaf for bank account verification
+Club, Association, Society
- Copy of the Registration Certificate, if registered.
- Acknowledgment of registration application, if applied for.
- PAN card copy
- Address proof
- List of signatories
- MOA & Resolution
- Individual KYC of all signatories
- Photographs, ID & address proof of signatories
- Cancelled cheque leaf for bank account verification
FAQs
+What are the schemes offered by MMFSL Fixed Deposit?
The company offers 2 schemes - Samruddhi & Dhanvruddhi . For Fixed Deposit to get interest periodically (Monthly, Quarterly, Half yearly & Yearly) by opting for non-cumulative scheme or at maturity with Cumulative deposits.
+What is the difference between a Non-cumulative Fixed deposit and a Cumulative deposit?
For Non- Cumulative Fixed Deposits, the interest is payable on Monthly, Quarterly, Half yearly & Yearly basis. For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount.
+Who can invest in MMFSL Fixed Deposit?
Individuals, companies, HUFs, body of individuals, association of persons, registered trust/societies, sole proprietorships, partnership firms, clubs, LLP etc can invest in MMFSL fixed deposit scheme.
Note*: Mahindra & Mahindra Financial Services is not registered U/S 11(5) of income tax act, hence Charitable Trust may invest in Mahindra Finance FD at THEIR OWN RISK.
+What is the process to open a Fixed Deposit via online mode?
While opening the fixed deposit, all the KYC documents to be furnished
- 1. Log on https://www.mahindrafinance.com/
- 2. OR Click on https://fixeddeposit.mahindrafinance.com/WA_FD_EP_LOGIN_5/
- 3. If you are a new investor having CKYC no. Please follow steps from Rapid Investment or select Regular Investment.
- 4. There you have to provide your details for investment, and upload KYC document for Ref.
- 5. Make the online payment, Once the transaction is complete you will get notification for the same on your registered email id.
+What is the process to open a Fixed Deposit via offline mode?
- 1. Log on to www.mahindrafinance.com to download the FD application or the same is available at our respective across the counters of MMFSL offices.
- 2. Kindly submit the dully filled & signed application form along with the investment cheque favoring “MMFSL – FIXED DEPOSITS” & KYC documents of all holders at our respective offices. One can also directly approach our respective Relationship Managers for immediate assistance.
- 3. If you are a new investor having CKYC no. Please mention the same in the application form.
Note*: The FD Receipt will be sent to your registered Email ID within 7 working days, subject to verification of your KYC documents & amount realization by the company.
+What are the various modes through which I can make my payment?
You can make your payments via cheque, debit card & RTGS/NEFT.
+Are there any special rates applicable for specific category of applicants?
Yes, the below given specific categories of applicants will be eligible for additional rate of interest benefit.
- 1. Senior Citizen ( i.e persons more than 60 years of age ,subject to submission of proof of age) will get additional interest rate benefits upto 0.25% p.a. on Samruddhi deposits & 0.25% on Dhanvruddhi Deposits for investments upto Rs.50 Lakhs.
- 2. Employees / Employees’ relatives and Retired Employees / Employees’ relatives will get additional rate of 0.35% p.a. for Samruddhi deposits upto Rs. 50 lakhs. (All Mahindra Group Company Employees). Government approved proof documents to be furnished & Employee must be the second applicant).
+Can a joint Deposit account be opened?
Yes, a maximum of 2 people can open a joint Deposit account payable to E or S (Either or Survivor).
- For E or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity.
- However, all the Depositors` signatures are required for a Premature Payment or Loan against Deposits.
+Can a Deposit be placed in the name of a Minor?
Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.
The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.
All communication in relation to the deposit shall be addressed to the Guardian.
+Can a Power of Attorney (POA) holder sign the Deposit Application Form?
Yes, on receipt and verification of the Power of Attorney by the Company as to its validity in this context.
+What are options for Renewal of a Cumulative Deposit Receipt?
An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.
+Are there any additional benefits on renewal of FD?
No, there is no additional benefit of renewal of deposit.
+What is the procedure for Renewal of my Fixed Deposit?
Depositors may also renew their respective maturing FD’s through online mode by visiting MMFSL FD customer portal https://fixeddeposit.mahindrafinance.com/WA_FD_EP_LOGIN_5/ ,10 days prior to maturity .
OR
With submission of scan copy of the Fixed Deposit receipt (FDR) (front & back) by selecting /marking appropriate choices with proper signature to renew the FD’s and also confirm the below details:
- 1) Scheme and tenure
- 2) Principal Amount or Principal with interest to be renewed
- 3) Broker code (If applicable)
P.N: The previous broker code shall be captured by default & brokerage shall be payable for such cases .In case of any change in the broke code ,you are requested to update us with the notification for us to make the required changes.
+What is the procedure for Revalidation of my Cheque/ DD or Unclaimed payments?
With Submission of clear copy of ID proof (PAN card) & personalized cheque leaf or bank passbook copy along with the FDR no. to help us process the unclaimed payments.
+MMFSL has changed the FD rates. Will those new rates be applicable for my existing deposits?
No. Since the money is locked in with us for a specific rate and specific period, you will continue to receive that rate till maturity. If you wish to avail the new rate, we suggest you invest in a new deposit with us.
+What are the service facilities at MMFSL that will be offered to me?
We are service – oriented organisation with a complete focus on delivering the best experience. Our Depositors get these benefits:
- 1. A readily available fixed deposit online calculator which will help you plan your investment.
- 2. Login credentials to access the online customer portal to view your investment portfolio and download the certificates as and when required.
- 3. Simple and transparent policies.
- 4. Detailed SMS and email communication to the customers while booking a fixed deposit, from request to maturity.
- 5. Easily accessible path to raise your query & request for immediate resolution.
+Does MMFSL Fixed Deposit investment provide tax exemption?
No, MMFSL fixed deposit cannot be shown under section 80C for tax deduction.
+When will the TDS be applicable on my Fixed Deposit investment?
The TDS limit for NBFC FD scheme is till Rs.5000/- interest p.a. In case where the interest amount exceeds Rs. 5,000/- sum of all fixed deposit held with Mahindra finance under single pan number in a financial year, income-tax will be deducted at source.
+When can I submit Form 15G/H for non- deduction of TDS?
The Form 15G/H needs to be submitted at the beginning of every financial year or at the time of deposit if in case the investment is done during financial year. In case of entities/companies the Lower tax deduction certificate needs to be submitted immediately after the date of issue or before 31st Mar (financial year end) whichever is earlier.
Note:- Form 15G/H is not applicable for cases wherein the deposit interest exceeds the tax exemption limit set by the income tax department. i.e Rs.2.5 lacs for individuals & Rs.3 lacs for senior citizens OR as applicable time to time.
+What are the various modes through which I can submit Form 15G/H?
There are 3 modes available to submit the form 15G/H, online & offline.
- 1. Click on https://fixeddeposit.mahindrafinance.com/WA_FD_EP_PRELOGIN_5/verificationpage.aspx to submit the form 15G/H via online mode.
- 2. Email the scan image of the duly filled & signed form 15G/H @ [email protected]
- 3. Send the duly filled & signed physical 15G/H form to our Head Office OR FD processing center.
+When will MMFSL issue a TDS certificate?
TDS Certificate will be received quarterly in Form 16A, for TDS deducted during the said quarter of the financial year. In case of cumulative deposits TDS certificate will be issued after 31st March, for the TDS accrued during the said financial year.
Note: - Soft Copy of the certificate can be downloaded through customer portal https://fixeddeposit.mahindrafinance.com/WA_FD_EP_PRELOGIN_5/
+When will MMFSL issue an Interest certificate?
Interest Certificate will be issued immediately after the payout in case of non-cumulative schemes. For cumulative deposits the certificate will be issued annually only after 31st March, of the said financial year.
Note: - Soft Copy of the certificate can be downloaded through customer portal. https://fixeddeposit.mahindrafinance.com/WA_FD_EP_PRELOGIN_5/
+When is TDS deducted in case of MMFSL Fixed Deposit?
TDS is deducted every time when the company pays/re-invests (renewal) interest during the Financial year. In addition, TDS is also deducted on interest accrued for cumulative schemes (but not yet paid) at the end of financial year viz. 31st March
+Do I need to visit branch or submit the Fixed Deposit receipt to receive the proceeds on maturity?
No need to visit the branch or discharge the FDR receipt; FD proceeds will be directly credited to depositors account registered at the time of maturity in case of auto repayment option.
+What is the process to apply for Premature/ pre-closure withdrawal?
As the money is locked in a specific period the deposits cannot be withdrawn at the will of the depositor, except in specific scenarios in which the depositor is ready to bear the penalty for premature withdrawal. There is no penalty charged in case of Death premature withdrawals (Death of the 1st Holder).
For premature closure, you need to submit the Original FDR with a revenue stamp and cross signature of all holders (rear/back of the FDR) (xerox copy in case of E-receipt) and a request letter specifying the reason along with personalised cheque leaf copy at the nearest office ( Mumbai – Head Office or Chennai Processing centre).
The pre-closure procedure will take 5-6 working days to process the payment after the receipt of the documents.
Penalty Chart for premature withdrawal.
- The FDR cannot be pre-closed for 3 months from the date of deposit
- Only principal amount will be repaid in case FDR is pre-closed between 3 months to 6 months from the date of deposit. No interest will be paid during this period, if Deposit is pre-closed between 3 months to 6 months.
- If the Deposit is pre-closed after 6 months but before maturity, the interest rate payable shall be 2% lower than the interest applicable for the period for which the deposit has run or if no rate has been specified for that period, then 3% lower than the minimum rate at which the public deposits are accepted by the company.
Note: - Pre-closure penalty will be charged on the rate of interest of the tenure completed by the FDR and not on the rate of interest applied by the depositor, as the said ROI is applicable only if the FDR is retained till the date of maturity.
Example: - If the FDR has completed only 1 year, the base rate applied for calculating premature penalty will be 1 year’s ROI on the date of deposit.
Pre-mature withdrawals are not permitted for Non-cumulative FD’s 10 days within interest payment cycle & between 20th March to 31st March due to year end closing activities.
+What is the rate of interest chargeable for loans?
The loan interest will be charged 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)
+Loan against Fixed Deposits:
Loan may be granted against public deposit up to 75% of the deposit amount carrying interest 2% per annum above the FD interest rate and any other additional charges as applicable on such deposit.
Deposits should have run for a minimum period of three months and minimum FD investment of Rs.5,000/-.
Loan disbursement is subject to internal approvals & at the discretion of the company.
To avail for loan online with no submission of documents in just 3 simple steps:
- 1.Login to the FD Customer Portal. https://fixeddeposit.mahindrafinance.com/WA_FD_EP_PRELOGIN_5/ (as an Existing Depositor)
- Click on Fixed Deposit customer login and if Existing Investor, login through user id & password or if you are new investor create login and password as instructions in our website.
- 2. Click on Avail Loan
- 3. Complete the OTP & Identity verification and submit loan application
Or
The offline process of loan in which Physical FDR & Loan undertaking letter signed along with cancelled cheque copy are required and mandatory which needs to be sent on email.
You need to provide the physical copies of FDR with sign & Revenue stamp of concern holders with cancelled cheque copy & loan undertaking letter to be sent to our Head Office at Mumbai or Chennai Regional Office.
Attached is the undertaking letter
Please Note:
- Post loan provided below is the process of Repayment
- The repayment mode is onetime payment or adjustment against maturity.
- There is no part payment of loan or EMI facility nor there is any restrictions against tenure as such for repayment of loan.
- You can do the complete payment loan amount with interest till date as when required we will be sharing you the coming 3 working days calculation of Amount with the Bank details in which the NEFT/RTGS to be made.
- Further you need to do the needful and share the payslip ,screenshot or UTR /Ref no.
- Or
- Loan amount with interest if not paid before the FD Maturity will be considered as loan amount with interest adjustment form the FD on the maturity date and balance amount any will be transferred to your Bank a/c registered with us.
+How can I apply for duplicate FDR receipt?
Download the e-receipt from customer portal login for record purpose. For issue of duplicate FDR we require an indemnity bond on Rs 300/- stamp paper, kindly get the same notarized on Rs 300/- stamp paper from the court or franking from the bank and at the nearest office ( Mumbai – Head Office or Chennai Processing centre).
+Do you accept Non-Resident Indian (NRI) Deposits?
We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.
+What are the terms and condition for NRI Deposits?
The terms and conditions governing the NRI deposits are given hereunder:
Acceptance of deposits can be made only by Indian Rupees through NRO Account.
NRI Deposits shall be accepted only through payments made from the depositors NRO A/c in India.
Deposits with funds transferred from NRE or FCNR (B) A/c’s will not be accepted
NRI Deposits shall not be accepted by any inward remittances from overseas
Document requirements for NRI FD investments
- 1) Passport with valid visa
- 2) Overseas address proof
- 3) A PIO card to establish Indian Origin, if it is a foreign passport.
- 4) Pan card
- 5) A local address proof if different from the passport address
-
- a) Bank account statement or passbook
- b) Local Property papers with registration deed
- c) EB Bill card
- d) Voter Id or Driving License
- 6) The NRI Depositor has to give the following declaration:
- a) The amount deposited with Mahindra and Mahindra Financial Services Ltd. represents amounts transferred from NRO Account. Further this amount does not represent inward remittance from Overseas to NRO account or transfer of funds from NRE/FCNR (B) accounts to NRO account”.
- b) “This is to declare that my stay in India during the financial year 2022-23 does not exceed/will not exceed 182 days & hence I will be a non-resident during the said financial year.
If there is a DTAA with the country of which the investor is a resident, then the Tax rate applicable will be the DTAA rate or the Income Tax rate whichever is more beneficial to the assesse /investor. The following additional documents should be provided by the NRI depositor to claim benefit of DTAA rate.
- a) Tax Residency Certificate from the Income Tax department of the country the investor is a resident
- b) Copy of the passport as of the beginning of the current financial year till date
- c) Certificate from the investor as at the end of the financial year regarding his stay in India during Financial year.
+How can I claim the unclaimed interest or maturity amount?
The depositor needs to submit a request letter or send an email from the registered email ID @ mfinfd@mahindra.com along with a copy of personalised cheque leaf/bank statement and valid ID proof to receive the unclaimed payments via NEFT /RTGS mode.
https://www.mahindrafinance.com/customer-service#write-to-us
+When does the Unclaimed Amount go to Investor Education and Protection Fund(IEPF)?
As per section 125(2) of the Companies Act, 2013 read with Rules, any amount of matured Fixed Deposits along with interest accrued on it, which remains unpaid or unclaimed for a period of seven years from the date of maturity of the Fixed Deposit, shall be transferred by the Company to the Investor Education and Protection Fund (“IEPF”) established by Central Government.
The Company has regularly uploaded on its website as also on the website of the Ministry of Corporate Affairs, Government of India, full details of such unpaid or unclaimed Fixed Deposits along with the interest.
+How can I claim the Unclaimed amount from the company or IEPF? What is the procedure?
Kindly note that with a view to complying with the statutory requirements in this regard, we shall initiate necessary action for transfer of the unclaimed principal and interest amount on Fixed Deposit to IEPF.
You are requested to immediately claim your unpaid principal and interest amount to avoid the transfer of the said amount(s) to IEPF by sending the following documents to us .
- Self-attested copy of Pan Card and address Proof (viz. Aadhar Card, Passport etc.)
- Copy of Cancelled Cheque.
- Enclosed Application –cum-Undertaking duly filled and signed.
However, you may claim from IEPF Authority, the amount of unclaimed principal and interest on Fixed Deposit, transferred to IEPF by making an application in Form IEPF-5 online and by sending the physical copy of the same duly signed (as per registered specimen signature) along with requisite documents enumerated in the said Form IEPF-5 to the Company at its Corporate Office or at the Company’s FD Processing Centre at Chennai for verification of your claim. We shall send a verification report to IEPF As per section 125(2) of the Companies Act, 2013 read with Rules, any amount of matured Fixed Deposits along with interest accrued on it, which remains unpaid or unclaimed for a period of seven years from the date of maturity of the Fixed Deposit, shall be transferred by the Company to the Investor Education and Protection Fund (“IEPF”) established by Central Government.
Authority for refund of the unclaimed principal and interest amount on Fixed Deposit, back to the credit of the Fixed Deposit holder.
In case we do not receive any request from you for claiming the principal and interest amount on Fixed Deposit , we shall, in accordance with the requirements of the said Rules, transfer the unclaimed principal and interest amount on Fixed Deposit, to IEPF by the due date as per procedure stipulated in the Rules, without any further notice. Please note that no claim shall lie against the Company in respect of unclaimed principal and interest amount on Fixed Deposit transferred to IEPF Authority pursuant to the said Rules.
The IEPF Rules and the application form (Form IEPF-5), as prescribed by the Ministry of Corporate Affairs for claiming back the unpaid/unclaimed principal amount/interest on Fixed Deposits, are available on the website of the Company at www.mahindrafinance.com as also on the website of the Ministry of Corporate Affairs at www.iepf.gov.in.
Please feel free to contact the Company in case you have any queries at the following address/ email/ telephone numbers:
FD Processing Centre
Mr. N Ananta Narayanan
Mahindra & Mahindra Financial Services Ltd
New No. 244, Old No. 713, 3rd Floor, Level 4,
Rear Block, Carex Center, Anna Salai,
Thousand Lights,
Chennai, Tamil Nadu-600006.
Toll Free no- 180 026 69266
Corporate Office
Ms. Sunita Pawar
Mahindra & Mahindra Financial Services Limited
Sadhana House, 2nd Floor,
570, P. B. Marg, Worli,
Mumbai- 400 018.
Tel:+91-22 - 6652 3500 Extn :- 3966
Fax No:+91- 22- 24984170
Email: [email protected]
+Cancellation policy
- 1. The fund for investment should be received from the first holder account/joint account.
- 2. In case the funds are received from a third party, upon identifying the source of funds the refund will be processed in the same bank account on or before 7 working days without interest.
- 3. If the KYC documents are incomplete, the forms will be rejected, and the amount will be returned within 30 days without interest
- 4. Company reserves the rights:
- i) To waive or vary the terms & conditions.
- ii) To reject any application for a fresh Deposit or for renewal without assigning any reason
- iii) To repay the deposit prematurely before the due date.
Accept ance, renewal, and repayment of fixed deposit shall be subject to the Non–Banking Financial Companies Acceptance of Public Deposit (Reserve Bank) Direction, 1998, as mentioned from time to time.
Application Forms
Mutual Funds Contact Us
Write to us on: [email protected]
Dial: 1800 266 9266 (Toll free) [Mon – Sat, 9:30 am to 6:30 pm]
For Investment Queries dial: 8181010148 [Mon – Sat, 9:30 am to 6:30 pm]
Head office
Mahindra and Mahindra Financial Services Limited
2nd Floor, Sadhana House
Behind Mahindra Tower
570 PB Marg, Worli, Mumbai
Maharashtra- 400018, India
Get in Touch
Mahindra & Mahindra Financial Services Limited
4th Floor, Mahindra Towers,
Dr. G.M. Bhosale Marg,
P.K. Kurne Chowk, Worli,
Mumbai 400 018.
Dr. G.M. Bhosale Marg,
P.K. Kurne Chowk, Worli,
Mumbai 400 018.
Email: [email protected]
Toll free number: 1800 233 1234 (Mon–Sun, 8am to 10pm)
(Except National Holidays)
WhatsApp number: 7066331234
Click here to locate the nearest Mahindra Finance branch around you
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Tenure In Months
24
Rate of Interest %
14
Principal: 75 %
Interest Payable: 25 %
For illustration purpose only
Total Amount Payable
50000
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Risk Documentation
This document has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Mahindra & Mahindra Financial Services Ltd, ('MMFSL') does not warrant its completeness and accuracy. Whilst we are not soliciting any action based upon this information, all care has been taken to ensure that the facts are accurate and opinions given are fair and reasonable. This information is not intended as an offer or solicitation for the purchase or sale of any financial instrument receipt of this information should rely on their own investigations and take their own professional advice. Neither MMFSL nor any of its employees shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
MMFSL and its affiliates, officers, directors, and employees, including people involved in the preparation or issuance of this material, may vary from time to time, have long or short positions in, and buy or sell the securities thereof, of the company mentioned herein. MMFSL may at any time solicit or provide, credit, advisory or other services to the issuer of any security referred to herein. Accordingly, information may be available to MMFSL, which is not reflected in this material, and MMFSL may have acted upon or used the information prim to, or immediately following its publication.
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