BEGIN:VCARD
VERSION:3.0
N:Havener ;William
FN:William Havener 
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
ADR;WORK:;;8025 Winchester Rd;Memphis;TN;38125
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 1057350=0D=0ASupervisory Office:=0D=0A1211 Murfreesboro Rd=0D=0AFranklin, TN 37064=0D=0A615-435-1784=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:william.havener@ml.com
URL;WORK:https://fsa.merrill.com/william-havener
PHOTO;VALUE=URI;TYPE=JPEG;:https://images.em.bankofamerica.com/AMP/316B7B17-2FB5-410E-A5BB-23FB92E60BCC.jpg
TEL;type=WORK;VOICE:901-245-5639
TEL;type=WORK;type=FAX:
TITLE:Financial Solutions Advisor
END:VCARD