BEGIN:VCARD
VERSION:3.0
N:Ramos ;Leonardo
FN:Leonardo Ramos 
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 2062926=0D=0ASupervisory Office:=0D=0A1100-1800 American Blvd=0D=0APennington, NJ 08534=0D=0A877-653-4732=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:lramos10@ml.com
URL;WORK:https://fsa.merrill.com/lramos10
PHOTO;VALUE=URI;TYPE=JPEG;:https://images.em.bankofamerica.com/AMP/786FDA9A-A531-4B12-8120-72BB9DDC6776.jpg
TEL;type=WORK;VOICE:866-204-0150,1573088
TEL;type=WORK;type=FAX:866-356-8721
TITLE:Premium Elite Relationship Manager
END:VCARD