BEGIN:VCARD
VERSION:3.0
N:Bharat ;Charul
FN:Charul Bharat 
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
ADR;WORK:;;12170 Highway 92;Woodstock;GA;30188
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 2666248=0D=0ASupervisory Office:=0D=0A3030 Windy Hill Road=0D=0AMarietta, GA 30067=0D=0A470-938-7594=0D=0A=0D=0AMerrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "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.=0D=0A=0D=0AMerrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp.=0D=0A=0D=0ABanking products are provided by Bank of America, N.A., Member FDIC and a wholly owned subsidiary of BofA Corp.=0D=0A=0D=0AInvestment products offered through MLPF&S and insurance and annuity products offered through MLLA:=0D=0AAre Not FDIC Insured  =0D=0AAre Not Bank Guaranteed =0D=0AMay Lose Value=0D=0AAre Not Deposits=0D=0AAre Not Insured by Any Federal Government Agency =0D=0AAre Not a Condition to Any Banking Service or Activity
EMAIL;WORK:charul.bharat@ml.com
URL;WORK:https://fsa.merrill.com/charul-bharat
PHOTO;VALUE=URI;TYPE=JPEG;:https://images.em.bankofamerica.com/AMP/AA9F6288-622F-4C8C-9768-99B4211261AA.jpg
TEL;type=WORK;VOICE:706-928-6687
TEL;type=WORK;type=FAX:
TITLE:Financial Solutions Advisor
END:VCARD