BEGIN:VCARD
VERSION:3.0
N:CESPEDES CRPC™;Roberto
FN:Roberto CESPEDES CRPC™
ORG:Merrill Lynch, Pierce, Fenner & Smith Incorporated
ADR;WORK:;;1101 S JOSEY LN;Carrollton;TX;75006
NOTE;ENCODING=QUOTED-PRINTABLE:NMLS ID 1069277=0D=0ASupervisory Office:=0D=0A1 Cowboys Way=0D=0AFrisco, TX 75034=0D=0A214-209-7048=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:roberto.cespedes2@ml.com
URL;WORK:https://fsa.merrill.com/roberto-cespedes2
PHOTO;VALUE=URI;TYPE=JPEG;:
TEL;type=WORK;VOICE:469-312-6794
TEL;type=WORK;type=FAX:866-467-2228
TITLE:Financial Solutions Advisor
END:VCARD