BEGIN:VCARD
VERSION:3.0
N:Kernan ;John
FN:John Kernan 
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
ADR;WORK:;;2340 W Joppa Rd;Lutherville Timonium;MD;21093
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 2455367=0D=0ASupervisory Office:=0D=0A10320 Little Patuxent Pkwy=0D=0AColumbia, MD 21044=0D=0A410-884-7230=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:john.j.kernan@ml.com
URL;WORK:https://fsa.merrill.com/john-j-kernan
PHOTO;VALUE=URI;TYPE=JPEG;:
TEL;type=WORK;VOICE:410-498-6671
TEL;type=WORK;type=FAX:
TITLE:Financial Solutions Advisor
END:VCARD