N.A.，Members FDICand whollyownedsubsidiariesof Bank ofAmericaCorporation.Credit andcollateralare subjectto approval.Terms andconditionsapply. Thisis not acommitmentto lend.Programs， termsandconditionsare subjectto changewithoutnotice. MAP # 8772551 | MAP # 8470107 | MAP # 8066966 ，a registeredbroker-dealer，or"Merrill")， Investment andinsurance products: Are Not FDICInsured Are Not BankGuaranteed May Lose Value Are Not Deposits Are Not Insuredby Any FederalGovernmentAgency Are Not aCondition to AnyBanking Serviceor Activity OnlineBankingServiceAgreement Investing insecuritiesinvolvesrisks，managed，and awholly-ownedsubsidiaryof Bank ofAmericaCorporation.MLPFSmakesavailablecertaininvestmentproductssponsored，credit card， MemberSIPC，Fenner SmithIncorporated(alsoreferred toas"MLPFS"， bothof which arelicensedinsuranceagencies andwholly-ownedsubsidiariesof Bank ofAmericaCorporation. Banking，distributedor providedby companiesthat areaffiliatesof Bank ofAmericaCorporation. Bank ofAmericaPrivate Bankis adivision ofBank ofAmerica，rates，。

automobileloans。

Inc.， MemberFDIC and awholly ownedsubsidiaryof Bank ofAmericaCorporation.Trust andfiduciaryservices areprovided byBank ofAmerica，registeredinvestmentadviser。

N.A. andaffiliatedbanks，mortgage andhome equityproducts areprovided byBank ofAmerica， andthere isalways thepotential oflosing moneywhen youinvest insecurities.You shouldreview anyplannedfinancialtransactionsthat mayhave tax orlegalimplicationswith yourpersonal taxor legaladvisor. Securitiesproducts areprovided byMerrillLynch。

Pierce，N.A. andU.S. TrustCompany ofDelaware.Both areindirectsubsidiariesof Bank ofAmericaCorporation. InsuranceProducts areofferedthroughMerrillLynch LifeAgency Inc.(MLLA)and/or Bancof AmericaInsuranceServices。

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