You can meet with a banking specialist from Bank of America or a Financial Solutions Advisor from Merrill. If your appointment is with a Financial Solutions Advisor from Merrill, you should be aware that a Financial Solutions Advisor from Merrill can provide solutions that include FDIC-insured deposit products with Bank of America and non-FDIC-insured investments from Merrill.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC, and wholly owned subsidiaries of Bank of America Corporation.

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value