BEGIN:VCARD
VERSION:3.0
N:HERNANDEZ ;LEO
FN:LEO HERNANDEZ 
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
ADR;WORK:;;6050 Bergenline Ave;West New York;NJ;07093
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 2693748=0D=0ASupervisory Office:=0D=0A194 Wood Ave S=0D=0AIselin, NJ 08830=0D=0A732-321-5996=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:leonel.hernandez-navarro@ml.com
URL;WORK:https://fsa.merrill.com/leonel-hernandez-navarro
PHOTO;VALUE=URI;TYPE=JPEG;:
TEL;type=WORK;VOICE:201-548-8641
TEL;type=WORK;type=FAX:
TITLE:Financial Solutions Advisor
END:VCARD