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Investment, insurance coverage and annuity products:

Investing involves risk. There is constantly the capacity of losing cash when you buy securities. Past performance does not ensure future outcomes. Possession allocation, diversity and rebalancing do not ensure an earnings or safeguard versus loss in declining markets.

Merrill, its affiliates, and financial advisors do not supply legal, tax, or accounting suggestions. You need to consult your legal and/or tax advisors before making any monetary decisions.

This material is not intended as a suggestion, offer or solicitation for the purchase or sale of any security or financial investment strategy. Merrill provides a broad variety of brokerage, investment advisory and other services. Additional details is offered in our Customer Relationship Summary.

This material does not take into account a client's particular investment goals, monetary situations, or requirements and is not intended as a suggestion, offer, or solicitation for the purchase or sale of any security or investment method. Merrill provides a broad range of brokerage, financial investment advisory and other services. There are very important distinctions between brokerage and financial investment advisory services, consisting of the type of guidance and support offered, the costs charged, and the rights and obligations of the parties. It is very important to comprehend the distinctions, particularly when determining which service or services to pick. To find out more about these services and their differences, speak with your Merrill financial advisor.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also described as “MLPF&S” or “Merrill”) makes available specific financial investment items sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a signed up broker-dealer, registered financial investment consultant, Member SIPCand an entirely owned subsidiary of BofA Corp.

. Insurance and annuity items are offered through Merrill Lynch Life Agency Inc., a certified insurance firm and entirely owned subsidiary of Bank of America Corporation.

Trust, fiduciary and investment management services, including possessions managed by the Specialized Asset Management group, are offered by Bank of America, N.A., Member FDIC and entirely owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its representatives.

Bank of America Private Bank is a department of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.

Banking items are supplied by Bank of America, N.A. and connected banks, Members FDIC and entirely owned subsidiaries of Bank of America Corporation.

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