Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer and a wholly-owned
subsidiary of Bank of America Corporation.
Investment and Insurance Products: Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value Are Not a Bank Deposit
Are Not a Condition to Any Banking Service or Activity
Are Not Insured by Any Federal Government Agency.
Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance
agency and wholly owned subsidiary of Bank of America Corporation.
Merrill Lynch makes available investment products sponsored, managed, or distributed by companies
that are affiliates of or in which Bank of America Corporation has an economic interest, including
BofATM Global Capital Management.