BEGIN:VCARD
VERSION:3.0
N:Fernandez CRPC™;Richard
FN:Richard Fernandez CRPC™
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
ADR;WORK:;;11570 4th St;Rancho Cucamonga;CA;91730
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 1495592=0D=0ASupervisory Office:=0D=0A3550 Vine St=0D=0ARiverside, CA 92507=0D=0A951-369-3816=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:richard.a.fernandez@ml.com
URL;WORK:https://fsa.merrill.com/richard-a-fernandez
PHOTO;VALUE=URI;TYPE=JPEG;:https://images.em.bankofamerica.com/AMP/F08E6272-0200-C7BD-B277-949E205B74C3.png
TEL;type=WORK;VOICE:909-552-8144
TEL;type=WORK;type=FAX:866-449-0942
TITLE:Financial Solutions Advisor
END:VCARD