Terms of Use | Lord Abbett

1. Overview

PLEASE READ THESE TERMS OF USE (“TERMS OF USE”) CAREFULLY. THESE TERMS OF USE ARE PROVIDED TO YOU BY LORD, ABBETT & CO. LLC AND ITS AFFILIATES, SUBSIDIARIES AND FUND FAMILIES (COLLECTIVELY, “LORD ABBETT”) AND GOVERNS YOUR USE OF ANY PART OF THE LORD ABBETT WEBSITE INCLUDING ALL INFORMATION, SERVICES AND OTHER CONTENT PROVIDED ON THE WEBSITE (COLLECTIVELY, THE “SITE”).

BY ACCESSING THIS SITE, YOU ARE AGREEING THAT: (1) THESE TERMS OF USE (WHICH WE MAY AMEND FROM TIME TO TIME) WILL GOVERN YOUR USE OF THE SITE AND (2) THESE TERMS OF USE CONSTITUTE A BINDING AGREEMENT BETWEEN YOU AND LORD ABBETT. IF YOU DO NOT ACCEPT THESE TERMS OF USE, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THE SITE.

2. Minimum Age.

You represent that you are at least 18 years of age (or the age of majority in the State in which you reside). If you are under the age of 18 (or the age of majority in the State in which you reside), but at least 13 years of age, you may use the Site only under the supervision of your legal guardian who has agreed to be bound by these Terms of Use. This Site is not intended for, and you may not use this Site if you are under 13 years of age.

3. Revisions/Changes

We may amend, modify, and/or update these Terms of Use at any time by posting amended Terms of Use (“Amended Terms of Use”) on the Site. Any Amended Terms of Use will become effective immediately upon posting. Your use of the Site after any Amended Terms of Use become effective will be deemed to constitute your acceptance of those Amended Terms of Use. We may modify or discontinue the Site, or any portion thereof, at any time, temporarily or permanently, with or without notice to you.

4. Purpose of the Site

The Site is intended to be an information resource that you may use to contribute to your business reach. The Site is not to be used with the public in oral, written, or electronic form. The information on the Site is for your information only and is neither the tax, legal, or investment advice of Lord Abbett, its affiliates or its third-party sources nor their recommendation to purchase or sell any security.

5. Links to Third Party Sites

The Site may contain links to websites owned or operated by third parties or otherwise contain content provided by third parties (“Third Party Materials”). Such Third Party Materials are provided solely as a convenience to you, and Lord Abbett is not responsible for, does not endorse, and makes no representation regarding any Third Party Materials. If you decide to visit any third party site linked to the Site, you do so at your own risk. We encourage you to review the privacy policy and terms of use for such third party sites.

6. Site Content

All content on the Site, including but not limited to text, graphics, images, software, features, tools, code, information and other content (collectively, the “Content”), is the property of Lord Abbett and its licensors and is protected under United States and foreign copyright laws and other laws. In connection with your use of the Site, Lord Abbett grants to you a limited, nontransferable, non-sublicensable, non-exclusive, revocable license to access, view, use, print and download a single copy of the Content for your personal use, provided you do not modify or delete any copyright, trademark or other proprietary notice that appears in the Content. Other than as expressly allowed in these Terms of Use, any other use of the Site or Content is expressly prohibited. You may not sell or modify Content or reproduce, display, distribute or otherwise use Content in any way for any public or commercial purpose without Lord Abbett’s prior written consent. Use of Content on any online or digital platform or in a networked environment other than as expressly authorized herein is prohibited. Unauthorized use of Content may be in violation of copyright, trademark and other laws.

The Content we choose to make available on the Site from time to time may be used solely for personal, noncommercial purposes in compliance with all laws and regulations that apply to you.

Without limiting the foregoing, the Site may contain certain content from third parties. This content may be subject to its own additional license terms and policies. You should refer to the terms and policies posted on third party websites prior to using any such site. Lord Abbett does not endorse, oppose or edit any opinion, claim, or analysis expressed by any third party. YOU AGREE THAT LORD ABBETT IS NOT RESPONSIBLE FOR THE SUBSTANCE OR ACCESSIBILITY OF ANY THIRD PARTY CONTENT ACCESSIBLE THROUGH THE SITE AND YOU UNDERSTAND THAT YOU BEAR ALL RISKS ASSOCIATED WITH YOUR ACCESS TO AND/OR USE OF SUCH CONTENT.

7. Your Use of the Site

Personal Use: Your use of the Site is a limited, nontransferable, non-sublicensable, non-exclusive, revocable license granted by us to you that we may deny, suspend, or revoke at any time, with or without cause or notice.

Required Technology: You must provide, at your own cost and expense, the equipment and services necessary to access and use the Site. At any time, we may change the supporting technology and services necessary to use the Site. If your use of the Site results in any costs or expenses, including, without limitation, the need for servicing or replacing equipment or data, Lord Abbett shall not be responsible for those costs or expenses.

Availability: We make no guarantee (a) that you will be able to access the Site at any given time; (b) that your access will be uninterrupted, error-free, or free from unauthorized security breaches; or (c) that the Site, Content or any computer server are free of viruses or other harmful material.

8. Rights in Data

Our use of your information (including any personal information) collected from or provided by you will be in accordance with our Privacy Policy posted on the Site. Our compliance with our Privacy Policy will survive any termination of these Terms of Use or of your use of the Site.

9. Your Conduct in the Use of the Site

You may access, search, view, and store a personal copy of the Content contained on the Site for your use as a broker/dealer. We expect you to use the Site responsibly and to respect the rights of others. Any other use by you of the Site outside of these Terms of Use is strictly prohibited. Without limiting the preceding sentence, you will not:

Access data not intended for you or log onto a server that you are not authorized to use.
Modify, alter or prepare other works based on the Site’s Content, or distribute copies of or publicly perform or display such Content, such as by posting the Content on any network computer or distributing the Content on or in any media, including any reproduction, copying, translation, modification, adaptation, creation of derivative works from, distribution, transmission, transfer, republication, compilation or decompilation, reverse engineering, display, removal or deletion of the Content, any portion thereof, or any data, or any other information provided by us or any of our third-party sources in any form, media, or technology now existing or hereafter developed, that is not specifically authorized under these Terms of Use.
Remove, obscure, or alter any notice, disclaimer, or other disclosure affixed to or contained within the Site, including any copyright notice, trademark, and other proprietary rights notices and any legal notices regarding the data, content, or information provided through the Site.
Create a hyperlink to, frame or use framing techniques to enclose, any information found anywhere on the Site without our express prior written consent. Impersonate any person, or falsely state or otherwise misrepresent his or her affiliation with any person in connection with any use of the Site.
Breach or attempt to breach the security of the Site or any network, servers, data, or computers or other hardware relating to or used in connection with the Site; nor use or distribute through the Site software or other tools or devices designed to interfere with or compromise the privacy, security or use of the Site by others or the operations or assets of any person.
Interfere with service to any other user, or the software, networks or systems that we use to bring the Site to you, such as by submitting a virus or overloading, "flooding," "spamming," "mailbombing" or "crashing" the Site.
Transmit or disseminate any kind of material that contains malware, viruses, bots, worms or any other computer code, files or programs that interrupt, destroy or limit the functionality or operation of the Site.
Violate any applicable law, including, without limitation, any state or federal securities laws.

Any violation of these Terms of Use or unauthorized use of any Content displayed on or made available from the Site may violate copyright laws, trademark laws, laws of privacy and publicity and other laws and regulations and may result in, among other things, termination of your access to the Site by Lord Abbett in its sole discretio

10. Trademarks

The names, marks and logos appearing in the Site’s Content are, unless otherwise noted, trademarks owned by or licensed to Lord Abbett. The use of these marks, except as provided in these Terms of Use, is prohibited. From time to time, Lord Abbett makes fair use in the Content of trademarks owned and used by third parties. Lord Abbett makes no claim to ownership of those marks.

You may not use Lord Abbett’s trade name, trademarks, service marks or other intellectual property assets or its branded products and services for promotional, advertising or any other commercial purpose, unless and only to the extent Lord Abbett specifically agrees to such use in writing.

11. Termination and Survival

Lord Abbett reserves the right, in its sole discretion, to limit or terminate or suspend your access to or use of the Site, in whole or in part, at any time without notice. Termination of such access or use will not waive or affect any other right or relief to which Lord Abbett may be entitled to at law or in equity.

Upon any such termination or suspension, your right to use the Site will immediately cease and you must discontinue use of the Site and delete or uninstall any Content from your mobile device, as applicable.

The following Sections will survive any termination or expiration of these Terms of Use: Sections: 2-18.

12. Our Representations and Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS. LORD ABBETT MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING: (1) THE SITE CONTENT, INCLUDING BUT NOT LIMITED TO (A) THE ACCURACY, COMPLETENESS, SECURITY, AVAILABILITY OR TIMELINESS OF THE SITE CONTENT, OR (B) THE RESULTS OBTAINED OR TO BE OBTAINED FROM THE SITE CONTENT;OR (2) THE ABSENCE OF ANY MALWARE OR OTHER HARMFUL CODE ON THE SITE OR WITHIN ANY SITE CONTENT. LORD ABBETT, ITS AFFILIATES AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.

CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, AND ACCORDINGLY, THE LIMITATIONS IN THIS SECTION MAY NOT APPLY TO YOU. IF YOU ARE A CONSUMER, ANY STATUTORY RIGHTS THAT CANNOT BE WAIVED BY YOU ARE UNAFFECTED BY THIS SECTION.

13. Your Representations and Warranties

You hereby represent and warrant to us, for our benefit, as of the date of these Terms of Use and for so long as you continue to use the Site, that: (a) you are, and will continue to be, in compliance with these Terms of Use and any applicable laws and (b) you are authorized to provide to us the information we collect, as described in our Privacy Policy.

14. Limitation of Liability

EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW, IN NO EVENT SHALL LORD ABBETT, ITS AFFILIATES OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION, RESULTING FROM YOUR USE OR INABILITY TO USE ANY PART OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT LORD ABBETT IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL LORD ABBETT’S AGGREGATE LIABILITY TO YOU, DIRECT OR OTHERWISE, EXCEED FIFTY DOLLARS ($50).

BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF DAMAGES, LORD ABBETT’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY THE LAWS OF SUCH JURISDICTION.

15. Indemnification

You agree to defend, indemnify and hold harmless Lord Abbett, its affiliates and each of their respective officers, directors, employees, contractors, representatives and agents, from and against any and all losses, actions, claims, damages, fines, penalties, costs and expenses (including reasonable legal and accounting fees) arising out of or related to (a) your use or misuse of the Site, including any Content, or (b) your breach of these Terms of Use. Lord Abbett reserves the right to assume the exclusive defense and control of any matter that is subject to indemnification under this section, in which event you agree to cooperate with any reasonable requests assisting our defense of such matter.

16. Governing Law

All questions concerning the construction, validity, enforcement and interpretation of these Terms of Use shall be governed by and construed in accordance with the domestic laws of the State of New Jersey, without giving effect to any choice of law or conflict of law.

17. General

To the extent any portion of these Terms of Use is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified solely to the extent necessary to cause such portion to be enforceable, and these Terms of Use, as modified, will remain in full force and effect. This is the entire agreement between you and Lord Abbett relating to the subject matter herein.

18. Electronic Communication

These Terms of Use and any other documentation, agreements, notices, or communications between you and Lord Abbett may be provided to you electronically to the extent permissible by law. Please print or otherwise save a copy of all documentation, agreements, notices, and other communications for your reference.

19. How to Contact Us

If you have any questions about these Terms of Use, please use the contact methods listed on our website to contact us.

Important Information Regarding Social Media:

Lord, Abbett & Co. LLC (“Lord Abbett”) maintains profiles and/or pages on various social media sites including Twitter, Facebook, YouTube, LinkedIn, iTunes and similar social media (collectively, “Social Media”). If you choose to “Follow” Lord Abbett on Social Media or take any similar action on another social media site, you are providing your consent to receive information updates, including solicitations, from Lord Abbett. To stop receiving this information from Lord Abbett on Social Media, you must follow the procedure established by the site. For example, on Twitter, you must click “Unfollow” on Lord Abbett’s profile page.

The information contained in Lord Abbett’s Social Media profiles and pages is current as of the date of publication (or such earlier date as referenced) and is subject to change without notice. Lord Abbett has no obligation to update any or all of such information, and at the time the page or profile is accessed, any information, data, analysis or the like may not be current. Additionally, Lord Abbett personnel other than the author(s) may provide oral or written market commentary or investment ideas to Lord Abbett’s clients or prospects that differ from the views expressed. Lord Abbett and its affiliates may make investment decisions that are inconsistent with the recommendations or views expressed, which may change at any time without notice.

All amounts, market value information, and estimates have been obtained from outside sources where indicated or represent the good faith judgment of Lord Abbett. Where such information has been obtained from outside sources, Lord Abbett cannot guarantee its accuracy or completeness. Past performance is not a guarantee or reliable indicator of future results. Lord Abbett’s Social Media are not intended to be an offer or solicitation with respect to the purchase or sale of any security or other financial instrument or any investment management services. They are provided for information purposes only, do not constitute investment advice, and should not be used as the basis for any investment decision. They also do not purport to provide any legal, tax, or accounting advice.

The information provided is not directed at any investor or category of investors and is provided solely as general information about Lord Abbett’s products and services and to otherwise provide general investment education. None of the information provided should be regarded as a suggestion to engage in or refrain from any investment-related course of action as neither Lord Abbett nor its affiliates are undertaking to provide impartial investment advice, act as an impartial adviser, or give advice in a fiduciary capacity. If you are an individual retirement investor, contact your financial advisor or other fiduciary about whether any given investment idea, strategy, product or service may be appropriate for your circumstances.

Social Media websites are owned by third parties unaffiliated with Lord Abbett. Lord Abbett is not responsible for the terms of use or policies of any of the social media sites on which it maintains a profile or page or any third-party sites to which they are linked, and you use these sites at your own risk, including any advertisements, sponsored posts, liked posts, and/or engagements. Lord Abbett is not responsible for and does not endorse any content, advertising, products, advice, opinions, recommendations, terms of use or privacy policies, or other materials on or available from third parties.

While Lord Abbett may monitor postings by third parties on its profiles and pages, Lord Abbett is not able to review them before they are displayed, and any such postings are the views and responsibilities of the posters. Lord Abbett does reserve the right to edit or remove any post for any reason and to block followers to the extent permitted by the sites. If Lord Abbett does not remove a third-party post, it is not an endorsement of the content. Social Media posts by Lord Abbett employees, consultants and business partners, whether on individual or business Social Media accounts, do not constitute any review by, endorsement, approval, recommendation of, and/or promotion on behalf of, or in connection with, Lord Abbett.

Lord Abbett does not provide customer service, customer onboarding, account access, conduct financial transactions, or accept customer complaints through its social media profiles and/or pages. Never disclose account or other personal financial information on any of our social media profiles or pages.

All funds involve risk, and you can lose money.

You should carefully consider a fund's investment goals, risks, charges and expenses before investing. This and other important information is contained in the fund's summary prospectus and/or prospectus. To obtain a summary prospectus and/or prospectus, visit www.lordabbett.com or contact your investment professional or Lord Abbett Distributor LLC at (800) 821-5129. Please carefully read a prospectus before you invest or send money.

Important UCITS Fund Information:
The Funds, except the Floating Rate Senior Loan Fund and Credit Opportunities Offshore Access Fund Ltd., are sub-funds of Lord Abbett Global Funds I plc, an open-ended investment company with variable capital constituted as an umbrella fund with segregated liability between its sub-funds under the laws of Ireland (registered number 534227), and is authorized and regulated by the Central Bank of Ireland as an Undertaking for Collective Investments in Transferable Securities ("UCITS").

Lord Abbett Global Funds I plc has been authorized in Ireland as a UCITS pursuant to the European Communities (Undertakings for Collective Investments in Transferable Securities) Regulation 2011 as amended. Authorization of the Lord Abbett Global Funds I plc by the Central Bank of Ireland is not an endorsement or guarantee nor is the Central Bank of Ireland responsible for the contents of any marketing material or each Fund's prospectus. Authorization by the Central Bank of Ireland shall not constitute a warranty as to the performance of the

Lord Abbett Global Funds I plc and the Central Bank of Ireland shall not be liable for the performance of the Lord Abbett Global Funds I plc.

Shares of the Funds are only available for certain non-U.S. persons in select transactions outside the United States, or, in limited circumstances, otherwise in transactions which are exempt in reliance on Regulation S from the registration requirements of the United States Securities Act of 1933, as amended and such other laws as may be applicable. Neither this website nor any of its contents constitute an offer to subscribe for shares in the Funds. It is directed at professional/sophisticated investors and is for their use and information. This website is not intended for retail investors. The offering or sale of Fund shares may be restricted in certain jurisdictions. For information regarding jurisdictions in which the Funds are registered or passported, contact your Lord Abbett sales representative. This website is not intended to be used or distributed in any jurisdiction, other than those in which the Funds are authorized, where authorization for distribution is required. Lord Abbett Distributor LLC (“LAD”) is authorized by the Funds to facilitate the distribution of shares in certain jurisdictions through dealers, referral agents, sub-distributors and other financial intermediaries. Any entity forwarding this website or its contents, which are produced by LAD in the United States, to other parties takes full responsibility for ensuring compliance with applicable securities laws in connection with its distribution.

This is a marketing communication. Investors should carefully consider the investment objectives, risks, charges, and expenses of any Fund. This and other important information is contained in each Fund's prospectus, fund supplements, and KIID. Read these documents carefully before you invest. To obtain a prospectus, fund supplement, and KIID for any Lord Abbett fund, contact Lord Abbett Distributor LLC at (888) 522-2388, or visit us at www.lordabbett.com. Where required under national rules, the key investor information document (KIID), Summary of Shareholder Rights, fund supplement and prospectus will also be available in the local language of the relevant EEA Member State.

Important Floating Rate Senior Loan Fund Information:

The Lord Abbett Floating Rate Senior Loan Fund (the “Fund”) is a sub-fund of Lord Abbett Global Fund II, an Alternative Investment Fund (AIF) within the meaning of Article 1 (39) of the Luxembourg Law of 12 July 2013 and qualifies as an undertaking for collective investment under Part II of the Luxembourg Law of 17 December 2010.

Shares of the Fund are only available for certain non-U.S. persons in select transactions outside the United States, or, in limited circumstances, otherwise in transactions which are exempt in reliance on Regulation S from the registration requirements of the United States Securities Act of 1933, as amended and such other laws as may be applicable. Neither this website nor any of its contents constitute an offer to subscribe for shares in the Fund. It is directed at professional/sophisticated investors and is for their use and information. This website is not intended for retail investors. The offering or sale of Fund shares may be restricted in certain jurisdictions. For information regarding jurisdictions in which the Fund is registered or passported, please contact your Lord Abbett sales representative. Fund shares may be sold on a private placement basis depending on the jurisdiction. This website should not be used or distributed in any jurisdiction, other than those in which the Fund is authorized, where authorization for distribution is required. Lord Abbett Distributor LLC ("LAD") is authorized by the Fund to facilitate the distribution of shares in certain jurisdictions through dealers, referral agents, sub-distributors and other financial intermediaries. Any entity forwarding this website or its contents, which is produced by LAD in the United States, to other parties takes full responsibility for ensuring compliance with applicable securities laws in connection with its distribution.

This is a marketing communication. Investors should carefully consider the investment objectives, risks, charges, and expenses of the Fund. This and other important information is contained in the Fund's prospectus. Read this document carefully before you invest. To obtain a prospectus, contact your investment professional, Lord Abbett Distributor LLC at (888) 522-2388, or visit us at www.lordabbett.com/LordAbbettGlobalFunds.

Prospective investors should not acquire shares of the Fund if the investor anticipates that it will have a need for the funds contributed to the Fund prior to the times that redemptions are permitted. An investment in the Fund shouldbe viewed as a long term investment.

Additional Offshore Fund Information:
Note to Australia Investors: The Offshore Funds have not been authorized for offer and sale to the retail public by Australian Securities Investment Commission ("ASIC") and are only offered to "wholesale" investors (i.e., institutional investors) in Australia.

Note to European Investors: This communication is issued in the United Kingdom and distributed throughout the European Union by Lord Abbett (Ireland) Limited, UK Branch and throughout the United Kingdom by Lord Abbett (UK) Ltd. Both Lord Abbett (Ireland) Limited, UK Branch and Lord Abbett (UK) Ltd are authorized and regulated by the Financial Conduct Authority.

A decision may be taken at any time to terminate the arrangements made for the marketing of the Fund in any EEA Member State in which it is currently marketed. In such circumstances, Shareholders in the affected EEA Member State will be notified of this decision and will be provided with the opportunity to redeem their shareholding in the Fund free of any charges or deductions for at least 30 working days from the date of such notification.

Note to Singapore Investors: Lord Abbett Global Funds I plc (the “Company”) and the offer of shares of each sub-fund of the Company do not relate to a collective investment scheme which is authorized under Section 286 of the Securities and Futures Act, Ch. 289 of Singapore (“SFA”) or recognized under Section 287 of the SFA, and shares in each sub-fund of the Company are not allowed to be offered to the retail public. Pursuant to Section 305 of the SFA, read in conjunction with Regulation 32 of and the Sixth Schedule to the Securities and Futures (Offers of Investments) (Collective Investment Schemes) Regulations 2005 (the “Regulations”), the Lord Abbett Global Multi-Sector Bond Fund, the Lord Abbett High Yield Fund, the Lord Abbett Short Duration Income Fund, the Lord Abbett Ultra Short Bond Fund, the Lord Abbett Climate Focused Bond Fund, the Lord Abbett Emerging Markets Corporate Debt Fund and the Lord Abbett Multi Sector Income Fund have been entered into the list of restricted schemes maintained by the Monetary Authority of Singapore for the purposes of the offer of shares in such sub-funds made or intended to be made to relevant persons (as defined in section 305(5) of the SFA), or, the offer of shares in such sub-funds made or intended to be made in accordance with the conditions of section 305(2) of the SFA. These materials do not constitute an offer or solicitation by anyone in Singapore or any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.

Note to Hong Kong Investors: The contents of this material have not been reviewed nor endorsed by any regulatory authority in Hong Kong. An investment in the Fund may not be suitable for everyone. If you are in any doubt about the contents of this material, you should consult your stockbroker, bank manager, solicitor, accountant or other financial adviser for independent professional advice. The Fund is not authorised by the Securities and Futures Commission ("SFC") in Hong Kong pursuant to Section 104 of the Securities and Futures Ordinance (Cap 571, Laws of Hong Kong) ("SFO"). This material has not been approved by the SFC in Hong Kong, nor has a copy of it been registered with the Registrar of Companies in Hong Kong and, must not, therefore, be issued, or possessed for the purpose of issue, to persons in Hong Kong other than (1) professional investors within the meaning of the SFO (including professional investors as defined by the Securities and Futures (Professional Investors) Rules); or (2) in circumstances which do not constitute an offer to the public for the purposes of the Companies (Winding Up and Miscellaneous Provisions) Ordinance (Cap 32, Laws of Hong Kong) or the SFO. This material is distributed on a confidential basis and may not be reproduced in any form or transmitted to any person other than the person to whom it is addressed.