fa.ml.com Open in urlscan Pro
167.212.17.188  Public Scan

Submitted URL: https://fa.ml.com/lancaster-de-leon-team/
Effective URL: https://fa.ml.com/texas/san-antonio/lancaster-de-leon-team/
Submission: On January 10 via api from US — Scanned from DE

Form analysis 7 forms found in the DOM

<form id="requestAppointment" class="contactModalForms">
  <div>
    <span class="modalFormErrorMsg" role="alert"></span>
  </div>
  <input type="hidden" name="InquiryTo_1" class="InquiryTo" value="andrea.de_leon@ml.com">
  <input type="hidden" name="InquiryXsltId" value="24">
  <input type="hidden" name="ECOwnerId" value="115984">
  <input type="hidden" name="ECInquiryType" value="Request Appointment">
  <input type="hidden" name="ECInquirySource" value="Website">
  <input type="hidden" name="ECArgumentList" value="">
  <div class="form">
    <div class="form_label_input"></div>
    <div class="form-item">
      <label for="firstname-input-request-form" class="input-label">First Name</label>
      <input type="text" class="firstName input-item" name="firstName" minlength="2" id="firstname-input-request-form" aria-required="required">
    </div>
    <div class="form-item">
      <label for="lastname-input-request-form" class="input-label">Last Name</label>
      <input type="text" class="lastName input-item" name="lastName" id="lastname-input-request-form" aria-required="required">
    </div>
    <div class="form-item">
      <label for="companyName-input-request-form" class="input-label">Company Name</label>
      <input type="text" id="companyName-input-request-form" title="Company Name" name="companyname" class="companyName" aria-required="required">
    </div>
    <div class="form-item">
      <label for="email-input-request-form" class="input-label">Your Email</label>
      <input type="text" class="emailAddress input-item" name="emailAddress" id="email-input-request-form" aria-required="required">
    </div>
    <div class="form-item">
      <label for="phone-input-request-form" class="input-label">Your Phone Number</label>
      <input type="text" class="phoneNumber input-item" name="phoneNumber" id="phone-input-request-form" aria-required="required">
    </div>
    <div class="form-item">
      <label for="state-select-request-appointment-institutional" class="input-label">Your State of Residence</label>
      <select id="state-select-request-appointment-institutional" class="custom-select state-list clear-after-submit input-item" name="State of Residence" aria-required="true">
        <option value="" aria-hidden="true"></option>
        <option value="Alabama">Alabama</option>
        <option value="Alaska">Alaska</option>
        <option value="Arizona">Arizona</option>
        <option value="Arkansas">Arkansas</option>
        <option value="California">California</option>
        <option value="Colorado">Colorado</option>
        <option value="Connecticut">Connecticut</option>
        <option value="Delaware">Delaware</option>
        <option value="District Of Columbia">District Of Columbia</option>
        <option value="Florida">Florida</option>
        <option value="Georgia">Georgia</option>
        <option value="Hawaii">Hawaii</option>
        <option value="Idaho">Idaho</option>
        <option value="Illinois">Illinois</option>
        <option value="Indiana">Indiana</option>
        <option value="Iowa">Iowa</option>
        <option value="Kansas">Kansas</option>
        <option value="Kentucky">Kentucky</option>
        <option value="Louisiana">Louisiana</option>
        <option value="Maine">Maine</option>
        <option value="Maryland">Maryland</option>
        <option value="Massachusetts">Massachusetts</option>
        <option value="Michigan">Michigan</option>
        <option value="Minnesota">Minnesota</option>
        <option value="Mississippi">Mississippi</option>
        <option value="Missouri">Missouri</option>
        <option value="Montana">Montana</option>
        <option value="Nebraska">Nebraska</option>
        <option value="Nevada">Nevada</option>
        <option value="New Hampshire">New Hampshire</option>
        <option value="New Jersey">New Jersey</option>
        <option value="New Mexico">New Mexico</option>
        <option value="New York">New York</option>
        <option value="North Carolina">North Carolina</option>
        <option value="North Dakota">North Dakota</option>
        <option value="Ohio">Ohio</option>
        <option value="Oklahoma">Oklahoma</option>
        <option value="Oregon">Oregon</option>
        <option value="Pennsylvania">Pennsylvania</option>
        <option value="Rhode Island">Rhode Island</option>
        <option value="South Carolina">South Carolina</option>
        <option value="South Dakota">South Dakota</option>
        <option value="Tennessee">Tennessee</option>
        <option value="Texas">Texas</option>
        <option value="Utah">Utah</option>
        <option value="Vermont">Vermont</option>
        <option value="Virginia">Virginia</option>
        <option value="Washington">Washington</option>
        <option value="West Virginia">West Virginia</option>
        <option value="Wisconsin">Wisconsin</option>
        <option value="Wyoming">Wyoming</option>
      </select>
    </div>
  </div>
  <div class="days">
    <fieldset>
      <legend>What day(s) of the week are most convenient for you?</legend>
      <div class="checkbox" data-toggle="buttons">
        <label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="mondaycheckbox">
          <input type="checkbox" name="weekdayM" autocomplete="off" aria-label="Monday">MON </label>
        <label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="tuesdaycheckbox">
          <input type="checkbox" name="weekdayT" autocomplete="off" aria-label="Tuesday">TUE </label>
        <label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="wednesdaycheckbox">
          <input type="checkbox" name="weekdayW" autocomplete="off" aria-label="Wednesday">WED </label>
        <label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="thursdaycheckbox">
          <input type="checkbox" name="weekdayTh" autocomplete="off" aria-label="Thursday">THU </label>
        <label class="btn btn-primary friday ML-tealium-interstitial_item-tag" data-bactmln="fridaycheckbox">
          <input type="checkbox" name="weekdayF" autocomplete="off" aria-label="Friday">FRI </label>
      </div>
    </fieldset>
  </div>
  <div class="time">
    <fieldset>
      <legend>What time of day do you prefer?</legend>
      <div class="checkbox" data-toggle="buttons">
        <label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="morningcheckbox">
          <input type="checkbox" name="morning" autocomplete="off" aria-label="Morning 8AM to 12PM">Morning <span class="sub">8AM - 12PM</span>
        </label>
        <label class="btn btn-primary ML-tealium-interstitial_item-tag" data-bactmln="afternooncheckbox">
          <input type="checkbox" name="afternoon" autocomplete="off" aria-label="Afternoon 12PM to 5PM">Afternoon <span class="sub">12PM - 5PM</span>
        </label>
        <label class="btn btn-primary anytime ML-tealium-interstitial_item-tag" data-bactmln="anytimecheckbox">
          <input type="checkbox" name="anytime" autocomplete="off" aria-label="Anytime">Anytime </label>
      </div>
    </fieldset>
  </div>
  <div class="send">
    <button class="submit ML-tealium-interstitial_appointment-submit-tag" data-bactmln="request_appointments_end" type="submit" value="Submit" data-aaclickevent="true">Send</button>
    <button data-dismiss="modal" data-toggle="modal" data-target="#thank-you" style="display:none;" data-aaclickevent="true">Send</button>
  </div>
  <input type="hidden" name="EntitySiteUrl" class="SiteUrl" value="http://fa.ml.com/lancaster-de-leon-team">
</form>

<form id="contactUsForm" class="contactModalForms">
  <span class="modalFormErrorMsg" role="alert" style="display: none;"></span>
  <input type="hidden" name="InquiryTo_1" class="InquiryTo" value="andrea.de_leon@ml.com"><input type="hidden" name="FormEmailTest" class="InquiryTo" value="fromWM">
  <input type="hidden" name="InquiryXsltId" value="25">
  <input type="hidden" name="ECOwnerId" value="115984">
  <input type="hidden" name="ECInquirySource" value="Website">
  <input type="hidden" name="ECInquiryType" value="Contact">
  <input type="hidden" name="ECArgumentList" value="">
  <input type="hidden" name="ecemailfieldname" value="emailAddress">
  <div class="form">
    <div class="form-item"><label for="firstname-input-contact-team" class="input-label">First Name</label><input type="text" class="firstName input-item" name="firstName" minlength="2" aria-required="required" id="firstname-input-contact-team">
    </div>
    <div class="form-item"><label for="lastname-input-contact-team" class="input-label">Last Name</label><input type="text" class="lastName input-item" name="lastName" aria-required="required" id="lastname-input-contact-team"></div>
    <div class="form-item"><label for="email-input-contact-team" class="input-label">Your Email</label><input type="text" class="emailAddress input-item" name="emailAddress" aria-required="required" id="email-input-contact-team"></div>
    <div class="form-item"><label for="phone-input-contact-team" class="input-label">Your Phone Number</label><input type="text" class="phoneNumber input-item" name="phoneNumber" aria-required="required" id="phone-input-contact-team"></div>
    <div class="form-item"><label for="state-select" class="input-label">Your State of Residence</label><select id="state-select" class="custom-select state-list clear-after-submit input-item" name="State of Residence" aria-required="true">
        <option value="" aria-hidden="true"></option>
        <option value="Alabama">Alabama</option>
        <option value="Alaska">Alaska</option>
        <option value="Arizona">Arizona</option>
        <option value="Arkansas">Arkansas</option>
        <option value="California">California</option>
        <option value="Colorado">Colorado</option>
        <option value="Connecticut">Connecticut</option>
        <option value="Delaware">Delaware</option>
        <option value="District Of Columbia">District Of Columbia</option>
        <option value="Florida">Florida</option>
        <option value="Georgia">Georgia</option>
        <option value="Hawaii">Hawaii</option>
        <option value="Idaho">Idaho</option>
        <option value="Illinois">Illinois</option>
        <option value="Indiana">Indiana</option>
        <option value="Iowa">Iowa</option>
        <option value="Kansas">Kansas</option>
        <option value="Kentucky">Kentucky</option>
        <option value="Louisiana">Louisiana</option>
        <option value="Maine">Maine</option>
        <option value="Maryland">Maryland</option>
        <option value="Massachusetts">Massachusetts</option>
        <option value="Michigan">Michigan</option>
        <option value="Minnesota">Minnesota</option>
        <option value="Mississippi">Mississippi</option>
        <option value="Missouri">Missouri</option>
        <option value="Montana">Montana</option>
        <option value="Nebraska">Nebraska</option>
        <option value="Nevada">Nevada</option>
        <option value="New Hampshire">New Hampshire</option>
        <option value="New Jersey">New Jersey</option>
        <option value="New Mexico">New Mexico</option>
        <option value="New York">New York</option>
        <option value="North Carolina">North Carolina</option>
        <option value="North Dakota">North Dakota</option>
        <option value="Ohio">Ohio</option>
        <option value="Oklahoma">Oklahoma</option>
        <option value="Oregon">Oregon</option>
        <option value="Pennsylvania">Pennsylvania</option>
        <option value="Rhode Island">Rhode Island</option>
        <option value="South Carolina">South Carolina</option>
        <option value="South Dakota">South Dakota</option>
        <option value="Tennessee">Tennessee</option>
        <option value="Texas">Texas</option>
        <option value="Utah">Utah</option>
        <option value="Vermont">Vermont</option>
        <option value="Virginia">Virginia</option>
        <option value="Washington">Washington</option>
        <option value="West Virginia">West Virginia</option>
        <option value="Wisconsin">Wisconsin</option>
        <option value="Wyoming">Wyoming</option>
      </select></div>
  </div>
  <div class="send">
    <button class="modalPrimaryBtn ML-tealium-interstitial_email-submit-tag" type="submit" data-bactmln="contactmemodalsend" form="contactUsForm" data-target="#thank-you"
      data-piwik="{'eventCategory':'Form Submission','eventAction':'Submit','eventName':'Homepage Contact Form'}" data-aaclickevent="true">Send</button>
  </div>
  <input type="hidden" name="EntitySiteUrl" class="SiteUrl" value="http://fa.ml.com/lancaster-de-leon-team">
</form>

<form id="contactMeForm" class="contactModalForms">
  <div>
    <span class="modalFormErrorMsg" role="alert" style="display: none;"></span>
  </div>
  <input type="hidden" name="InquiryTo" value="">
  <input type="hidden" name="InquiryXsltId" value="25">
  <input type="hidden" name="ECOwnerId" value="115984">
  <input type="hidden" name="ECInquiryType" value="Contact">
  <input type="hidden" name="ECInquirySource" value="TeamWebsite">
  <div class="form">
    <input type="text" name="firstName" class="firstName" placeholder="First Name" aria-label="First Name" style="border: 1px solid rgb(229, 229, 229);">
    <input type="text" name="lastName" class="lastName" placeholder="Last Name" aria-label="Last Name" style="border: 1px solid rgb(229, 229, 229);">
    <input type="text" name="emailAddress" class="emailAddress" placeholder="Your Email" aria-label="Your Email" style="border: 1px solid rgb(229, 229, 229);">
    <input type="text" name="phoneNumber" class="phoneNumber" placeholder="Your Phone Number" aria-label="Your Phone Number" style="border: 1px solid rgb(229, 229, 229);">
    <textarea name="message" placeholder="How can we help?" aria-label="How can we help?"></textarea>
  </div>
  <div class="send">
    <button class="modalPrimaryBtn" type="submit" form="contactMeForm" data-target="#thank-you" data-aaclickevent="true">Send</button>
  </div>
</form>

<form id="introducefriendForm" class="contactModalForms">
  <div class="modal-header hidden-xs">
    <button type="button" class="close ML-tealium-interstitial-close-tag" data-bactmln="introduceafriendmodalclose" data-dismiss="modal" aria-label="Close" onclick="recaptchaReset()" data-aaclickevent="true">
      <i class="icon-close"></i>
    </button>
    <h4 class="modal-title">Send your friends an email</h4>
  </div>
  <div class="modal-body">
    <p>If you know of someone who would benefit from a relationship with us, send them an email.</p>
    <span class="modalFormErrorMsg" role="alert" style="display: none; color: red; font-size: 16px;;"></span>
    <div class="form">
      <input name="friendEmails" type="text" placeholder="Add Emails (separated by commas)" aria-label="Add Emails (separated by commas)">
      <input name="name" type="text" placeholder="Your Name" aria-label="Your Name">
      <input name="emailAddress" class="emailAddress" type="text" placeholder="Your Email" aria-label="Your Email">
      <label class="sr-only" for="message">message</label>
      <textarea id="message" name="message" style="display:none" placeholder="" aria-label=""></textarea>
      <div id="g-recaptcha" isvalide="false">
        <div style="width: 304px; height: 78px;">
          <div><iframe title="reCAPTCHA" width="304" height="78" role="presentation" name="a-7izk03q7cbwr" frameborder="0" scrolling="no"
              sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox allow-storage-access-by-user-activation"
              src="https://www.google.com/recaptcha/api2/anchor?ar=1&amp;k=6LdVZBkUAAAAAI7SHo6CgXeWKOi__BX4tHuuj8Tc&amp;co=aHR0cHM6Ly9mYS5tbC5jb206NDQz&amp;hl=de&amp;v=u-xcq3POCWFlCr3x8_IPxgPu&amp;theme=light&amp;size=normal&amp;cb=tal5k3p5s66"
              data-gtm-yt-inspected-17="true"></iframe></div><textarea id="g-recaptcha-response" name="g-recaptcha-response" class="g-recaptcha-response" aria-hidden="true" aria-label="recaptcha"
            style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;"></textarea>
        </div><iframe data-gtm-yt-inspected-17="true" style="display: none;"></iframe>
      </div><br>
      <script src="https://www.google.com/recaptcha/api.js?onload=onloadCallback&amp;render=explicit" async="" defer=""></script>
    </div>
    <input type="hidden" id="EmailReferalMessageMER" name="ReferalMsg" value="">
    <input type="hidden" id="CaptchaCheckedValue" name="CaptchaCheckedValue" value="">
    <input type="hidden" name="InquiryXsltId" value="26">
    <input type="hidden" name="ECOwnerId" value="30912">
    <input type="hidden" name="ECInquiryType" value="Contact">
    <input type="hidden" name="ECInquirySource" value="Website">
    <input type="hidden" name="ECArgumentList" value="">
    <div class="send">
      <button onclick="if(  $('form#introducefriendForm .form textarea').val() == '' ){$('form#introducefriendForm .form textarea').val( $('form#introducefriendForm .form textarea').attr('placeholder') );
				}" class="modalPrimaryBtn ML-tealium-interstitial_introduce_friend-tag" data-bactmln="introduceafriendsend" data-target="#thank-you" data-piwik="{'eventCategory':'Form Submission','eventAction':'Submit','eventName':'Refer a friend Form'}"
        data-aaclickevent="true">Send</button>
    </div>
    <span>We will send a one-time email. Your friends will not be contacted or approached.</span>
  </div>
</form>

<form id="newsletterForm" class="contactModalForms">
  <div>
    <span class="modalFormErrorMsg" role="alert" style="display: none;">
    </span>
  </div>
  <input type="hidden" name="InquiryTo_1" class="InquiryTo" value="andrea.de_leon@ml.com">
  <input type="hidden" name="InquiryXsltId" value="25">
  <input type="hidden" name="ECOwnerId" value="115984">
  <input type="hidden" name="ECInquiryType" value="Subscribe">
  <input type="hidden" name="ECInquirySource" value="Website">
  <input type="hidden" name="ECArgumentList" value="">
  <div class="form">
    <div class="form-item">
      <label for="firstname-input-newsletter" class="input-label">First Name</label>
      <input type="text" class="firstName input-item" name="firstName" minlength="2" aria-required="required" id="firstname-input-newsletter">
    </div>
    <div class="form-item">
      <label for="lastname-input-newsletter" class="input-label">Last Name</label>
      <input type="text" class="lastName input-item" name="lastName" aria-required="required" id="lastname-input-newsletter">
    </div>
    <div class="form-item">
      <label for="email-input-newsletter" class="input-label">Your Email</label>
      <input type="text" class="emailAddress input-item" name="emailAddress" aria-required="required" id="email-input-newsletter">
    </div>
    <div class="form-item">
      <label for="phone-input-newsletter" class="input-label">Your Phone Number</label>
      <input type="text" class="phoneNumber input-item" name="phoneNumber" aria-required="required" id="phone-input-newsletter">
    </div>
    <div class="radio">
      <fieldset>
        <legend>Are you a current Merrill client?</legend>
        <div class="list">
          <div class="list-item">
            <label for="CurrentClient_Yes">
              <div class="blue-radio"><input type="radio" id="CurrentClient_Yes" class="ML-tealium-interstitial_item-tag" data-bactmln="radio_yes" name="CurrentClient" value="Currently A Merrill Client"><span class="input"></span>
              </div>
              <span class="input-label"> Yes </span>
            </label>
          </div>
          <div class="list-item">
            <label for="CurrentClient_No">
              <div class="blue-radio"><input type="radio" id="CurrentClient_No" class="ML-tealium-interstitial_item-tag" data-bactmln="radio_no" name="CurrentClient" value="Not A Current Merrill Client"><span class="input"></span></div>
              <span class="input-label"> No </span>
            </label>
          </div>
        </div>
      </fieldset>
    </div>
    <div class="check">
      <fieldset>
        <legend>What type of content interests you most?</legend>
        <div class="list">
          <div class="list-item">
            <label for="interests_General">
              <div class="blue-checkbox"><input type="checkbox" name="interests_General" id="interests_General" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_generalfinancial"> <span class="input"></span>
              </div> <span class="input-label">General financial</span>
            </label>
          </div>
          <div class="list-item">
            <label for="interests_Retirement">
              <div class="blue-checkbox"><input type="checkbox" name="interests_Retirement" id="interests_Retirement" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_retirement"><span class="input"></span>
              </div>
              <span class="input-label">Retirement</span>
            </label>
          </div>
          <div class="list-item">
            <label for="interests_Business">
              <div class="blue-checkbox"><input type="checkbox" name="interests_Business" id="interests_Business" class="ML-tealium-interstitial_item-tag" data-bactmln="signup_businessowners"><span class="input"></span>
              </div>
              <span class="input-label">Business owners</span>
            </label>
          </div>
        </div>
      </fieldset>
    </div>
    <div class="send">
      <button class="modalPrimaryBtn ML-tealium-interstitial_eNewsletter-signup-tag" data-bactmln="newslettersignupsend" type="submit" form="newsletterForm" data-target="#thank-you" pxname="eta__newsletterForm__div-10_button-1"
        data-aaclickevent="true">Sign Up</button>
    </div>
    <input type="hidden" name="InquiryTo_1" class="InquiryTo" value="jennifer.behm2@ml.com">
  </div>
</form>

<form id="appointmentRequestForm" class="contactModalForms">
  <div>
    <span class="modalFormErrorMsg" role="alert"></span>
  </div>
  <input type="hidden" name="InquiryTo_1" class="InquiryTo" value="andrea.de_leon@ml.com">
  <input type="hidden" name="InquiryXsltId" value="24">
  <input type="hidden" name="ECOwnerId" value="115984">
  <input type="hidden" name="ECInquiryType" value="Request Appointment">
  <input type="hidden" name="ECInquirySource" value="Website">
  <input type="hidden" name="ECArgumentList" value="">
  <input type="hidden" name="ECSiteUrl" value="http://fa.ml.com/lancaster-de-leon-team">
  <input type="hidden" name="ecemailfieldname" value="email">
  <div class="form">
    <div class="form_label_input"></div>
    <div class="form-item">
      <label for="firstname-input-request-appointment" class="input-label">First Name</label>
      <input id="firstname-input-request-appointment" class="clear-after-submit input-item firstName" name="firstname" minlength="2" type="text" aria-required="required">
    </div>
    <div class="form-item">
      <label for="lastname-input-request-appointment" class="input-label">Last Name</label>
      <input id="lastname-input-request-appointment" class="clear-after-submit input-item lastName" name="lastname" minlength="2" type="text" aria-required="required">
    </div>
    <div class="form-item">
      <label for="email-input-request-appointment" class="input-label">Your Email</label>
      <input id="email-input-request-appointment" class="clear-after-submit input-item emailAddress" name="email" minlength="2" type="text" aria-required="required">
    </div>
    <div class="form-item">
      <label for="phone-input-request-appointment" class="input-label">Your Phone Number</label>
      <input id="phone-input-request-appointment" class="clear-after-submit input-item phoneNumber" name="phone" minlength="10" type="text" aria-required="required">
    </div>
    <div class="form-item">
      <label for="state-select-request-appointment" class="input-label">Your State of Residence</label>
      <select id="state-select-request-appointment" class="custom-select state-list clear-after-submit input-item" name="State of Residence" aria-required="true">
        <option value="" aria-hidden="true"></option>
        <option value="Alabama">Alabama</option>
        <option value="Alaska">Alaska</option>
        <option value="Arizona">Arizona</option>
        <option value="Arkansas">Arkansas</option>
        <option value="California">California</option>
        <option value="Colorado">Colorado</option>
        <option value="Connecticut">Connecticut</option>
        <option value="Delaware">Delaware</option>
        <option value="District Of Columbia">District Of Columbia</option>
        <option value="Florida">Florida</option>
        <option value="Georgia">Georgia</option>
        <option value="Hawaii">Hawaii</option>
        <option value="Idaho">Idaho</option>
        <option value="Illinois">Illinois</option>
        <option value="Indiana">Indiana</option>
        <option value="Iowa">Iowa</option>
        <option value="Kansas">Kansas</option>
        <option value="Kentucky">Kentucky</option>
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LOOKING TOWARD A NEW ERA OF GROWTH

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LANCASTER DE LEON TEAM

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MERRILL LYNCH
WEALTH MANAGEMENT

We are committed to understanding your life priorities and what you want to
accomplish with your assets. With the global resources of Merrill, we’ll place
you at the center of the wealth management process as we work together to design
financial strategies to help you reach the goals that matter most to you.

 
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GET TO KNOW US

Supported by the global resources of Merrill, our team is comprised of talented
and experienced individuals committed to building strong client relationships
based on trust and personalized service.

4

With over 30 years in the financial services industry, Newlin joined Merrill
Lynch Wealth Management in 1984 after receiving his bachelor’s degree in
Business Administration from the University of Texas Pan American. He focuses on
delivering a comprehensive approach to managing wealth that begins with
listening to a client’s needs and helping ensure every strategy is grounded in
understanding what each client wants to achieve. By providing access to the
insights of Merrill and banking convenience of Bank of America, he helps address
the various aspects of clients’ financial lives as well as pursue their goals.



NEWLIN E LANCASTER, CPFA™

First Vice President

International Wealth Advisor

956.618.8225

Nancy De Leon has been in the financial services industry since 1992 and joined
Merrill Lynch Wealth Management in 1995.  Her focus is on developing strategies
and advice for individuals, their families and their businesses by understanding
their short- and long-term financial objectives. Nancy holds the International
Wealth Advisor title and she is a graduate of Instituto Tecnologico y de
Estudios Superiores de Monterrey with a bachelor’s degree in Economics. Nancy
offers access to the investment resources of Merrill and banking convenience of
Bank of America to help clients address the various aspects of their financial
future.



NANCY F DE LEON, CEPA®, CPWA®

Senior Vice President

International Wealth Advisor

210.805.2849

Andrea Arechandieta, Financial Advisor, began her financial services career in
2015. As a Financial Advisor Andrea can assist you by helping you build a wealth
management strategy to address your individual needs. Andrea focuses on
delivering a comprehensive approach to managing wealth, beginning by listening
and helping you make informed decisions as you develop your strategy.



ANDREA ARECHANDIETA

Financial Advisor

210.805.2822



MIRANDA ARECHANDIETA

Officer

Wealth Management Client Associate

210.805.2935

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ADDITIONAL RESOURCES



The following specialists do not make securities recommendations. Please contact
your Merrill Lynch Wealth Management Advisor if you have questions about how a
specialist might be able to assist you.




CARLOS A. RIVERA

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #754165


MARY ELIZABETH MURPHY

Retirement Specialist

Bank of America, N.A.


CHRISTIAN VAN NORDHEIM

Wealth Management Banking Specialist

Merrill




WHERE DO WE BEGIN? IT STARTS WITH YOU.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things
you care about most- family, goals and priorities - even as they change over the
years.


UNDERSTANDING YOUR LIFE

 * Mission Statement
 * Our Philosophy
 * Our Approach
   * Investment Personality
   * Your Goals
 * Services
 * Client Focus  High-Net-Worth Individuals and Business Owners


WELCOME



We take the time to know clients as individuals and investors, and we value the
relationships we develop. We can explore the individualized financial goals that
are important to clients, and create custom strategies designed to help them
pursue each of their goals. We see ourselves as a financial ally for each
succeeding generation.


PHILOSOPHY

You live in a world that’s constantly changing. Markets can fluctuate
frequently. Potential investment opportunities can arise daily. Regulations are
enacted or amended. That’s why understanding you and your situation is the best
place to start helping you plan your financial future: where you are today,
where you want to be tomorrow, and what you want to accomplish along the way. By
understanding you and your priorities, we can more effectively provide you with
the experience and resources needed to help you build a personalized plan that
is rooted in the unique complexities of your life.


APPROACH

Every relationship begins with a conversation, helping you identify and
prioritize which goals matter most to you. Whether it's transferring wealth to
the next generation, customizing your financial approach to help you pursue your
passions, or providing advice and guidance to help you stay informed, we start
by listening to learn more about you and your family.


YOUR APPROACH TO INVESTING



Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help us get to know you better as an
investor and potentially help you refine your own investing preferences. By
gaining a deeper understanding of how you think and feel about investing through
this assessment, we can customize the financial approach we develop together to
help you pursue what matters most to you. Our Investment Personality
Assessment is one of the ways to help us get to know you - to understand your
goals and priorities. These questions will help us provide you with additional
insights and resources.




UNDERSTANDING YOUR GOALS AND PRIORITIES

Your life and goals change. We have tools to help you keep track of these
changes so they can be reflected in your financial approach.


CAPABILITIES



Our financial planning process begins by getting to know you and understanding
your goals. We can collaborate so the team can gain a comprehensive
understanding of your goals, what you value most, including your risk tolerance,
time horizon, and liquidity needs. One-on-one discovery meetings with you draw
on the analytical skills and deep experience of the team to review your
portfolio and objectives so that we can work closely together to create a
personalized plan to help you pursue your goals.




FOCUS ON HIGH-NET-WORTH INDIVIDUALS AND BUSINESS OWNERS

We offer clients a breadth of potential solutions, premier customer service and
financial tools based on their unique circumstances. No matter what your goals
may be, the process begins by defining and prioritizing your financial goals
based on the following:

 * Health: Managing healthcare expenses, now and in the future
 * Home: Upsizing, downsizing, remodeling or buying a vacation home
 * Family: Taking care of your family and other people in your life
 * Leisure: Spending your free time in meaningful ways
 * Giving: Volunteering, mentoring and giving to charities
 * Work: Working in retirement, selling or starting a business
 * Finance: Bringing it all together; defining your financial goals

The team’s industry knowledge and experience helps them provide you with:

 * Potential risk management strategies
 * Trust and estate planning services
 * Tax-minimization strategies
 * Access to Bank of America for your credit and banking needs

This material should be regarded as general or educational information on
healthcare or Social Security considerations and is not intended to provide
specific healthcare or social security advice. If you have questions regarding
your particular situation, please contact your legal or tax advisor.



 * Mission Statement
 * Our Philosophy
 * Our Approach
 * Services
 * Client Focus  High-Net-Worth Individuals and Business Owners


CREATE A PLAN THAT IS ALL ABOUT YOU.

Merrill Personal Wealth Analysis™ can help us build and document a personalized
plan, centered on your goals and focused on what you want to achieve.

Learn more


STAYING ON TRACK

We understand that both your life and the financial markets can change over
time. By checking in to discuss changes in your life and revisiting your
financial approach, our goal is to help you stay on track to achieve what's most
important to you.




REVIEWS TO HELP YOU
STAY ON TRACK



We’ll meet with you to review your goals and the progress you’ve made toward
reaching them. We’ll also discuss any adjustments needed to your financial
approach to help you stay on course.






CHANGES IN YOUR LIFE
AND TO YOUR GOALS



Your life and goals change. As these changes occur, we can update your approach
to reflect them.



 * Investment Personality Assessment (IPA)
 * Goal Explorer

 
Transcript of Video


#DIGITALMERRILL



MyMerrill is your online destination for access to your financial information,
secure communications, and a robust offering of tools and capabilities.

Your advisor is a click away within our site or mobile apps

You can manage account security with our customizable security capabilities such
as touch ID, one time passcode, and other security features

Access to your complete financial life is available with My Financial Picture,
Merrill’s asset aggregation tool






LET’S HAVE A CONVERSATION

Helping you reach your goals starts with getting to know you personally. Through
understanding what matters most to you, together we can help you create a
financial approach that reflects your personality. Only then can we offer an
approach that is built around your life priorities and the advice you need to
help you address fluctuations in the market and changes in your life. Let’s work
together to help you achieve your goals.

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4 TIMES YOU SHOULD ALWAYS ASK: HOW WILL THIS AFFECT MY TAXES?




OUTLOOK 2024 WEBCAST: LOOKING TOWARD A NEW ERA OF GROWTH


GLOBAL TRENDS NEED GLOBAL VISION




WHY MERRILL?



As Merrill Lynch Wealth Management Advisors, we will sort through the financial
complexities of your life, helping you build a customized investment approach to
address your needs and pursue your goals.


We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a
Merrill Lynch Wealth Management Advisor.



 
Transcript of Video 

No question too big or moment too small
For every question you have, every decision you make and every answer you need,
we are with you to listen and help guide you along the many paths your life can
take. Watch this video to see some questions we can address together.


The Power of the Right Advisor®
Working with a dedicated Merrill advisor means you get personalized investment
strategies from Merrill plus access to comprehensive financial solutions only
Bank of America can deliver.






PERSONALIZED ADVICE FROM A DEDICATED FINANCIAL ADVISOR.

We get to know you and your family, your financial situation and what matters
most to you.


A COMPREHENSIVE APPROACH, BUILT AROUND YOUR LIFE’S PRIORITIES.

Drawing from our experience and the best thinking of Merrill, together we will
design an approach that reflects your unique needs, priorities and financial
situation.


ADJUSTING YOUR INVESTMENT APPROACH AS YOUR LIFE AND THE MARKETS CHANGE.

We will work to help you stay on track, regardless of what the markets are
doing.


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PERSPECTIVES NEWSLETTER

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best financial life.

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CPWA® is a registered certification mark of the Investments & Wealth Institute®.
For more information about the Institute and the CPWA certification, please
visit investmentsandwealth.org.



 


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Merrill, its affiliates, and financial advisors do not provide legal, tax, or
accounting advice. You should consult your legal and/or tax advisors before
making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the
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This material does not take into account a client’s particular investment
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Here's how it works: We gather information about your online activities, such as
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BAC are Authorised Deposit-taking Institutions authorised under the Banking Act
1959 of Australia nor regulated by the Australian Prudential Regulation
Authority. The obligations of BofAML entities (other than BANA Australia) do not
represent deposits or other liabilities of BANA Australia and are not guaranteed
by BANA Australia.

©2019 Bank of America Corporation. Published in Australia by BANA Australia.


DISCLAIMER FOR CANADA:

"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets business of Bank of America Corporation. Lending, derivatives and
other commercial banking activities are performed globally by banking affiliates
of Bank of America Corporation including Bank of America, National Association,
Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the
Office of the Superintendent of Financial Institutions. Deposits with BANA CB
are not insured with the Canada Deposit Insurance Corporation. BANA CB shall not
impose undue pressure on, or coerce, a person to obtain a product or service
from a particular person, including bank and any of its affiliates, as a
condition for obtaining another product or service from BANA CB.

Securities, strategic advisory and other investment banking activities are
performed globally by investment banking affiliates of Bank of America
Corporation including in Canada by Merrill Lynch Canada Inc. which is a
registered broker-dealer regulated by the Investment Industry Regulatory
Organization of Canada (IIROC) and a member of the Canadian Investor Protection
Fund (CIPF).


DISCLAIMER FOR INDIA:

Bank of America N.A. and DSP Merrill Lynch Limited are subsidiaries of Bank of
America Corporation operating in India.

Bank of America N.A.: Bank of America provides the following banking products in
India: working capital and term loans, structured finance, export finance,
global cash management, trade products, foreign exchange services and currency
solutions.

DSP Merrill Lynch Limited: DSP Merrill Lynch provides the following services in
India: Research, Equity Sales & Trading, Futures & Options, Electronic Trading,
Equity Capital Markets, Debt Capital Markets and M&A. SEBI Regn Nos. Research
Analyst: INH000000503, Stock Broking: INB/INF 011348134, INB/INF 231348138,
Merchant Banker: INM000011625, Depository Participant: IN-DP-NSDL-223-2001.
Registered Office: DSP Merrill Lynch Limited, Ground Floor, A-Wing, One BKC, G
Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051, India. Tel.: (91-22)
6632 8000. For specific investor grievances, if any, email IDs are
brokingindia@ml.com, dpindia@ml.com, dg.india_merchantbanking@baml.com.
Compliance officer - Jinendra Shah, Email: jinendra.shah@baml.com, Tel No.: +91
22 6632 8000

Lending, derivatives, and other commercial banking activities are performed
globally by banking affiliates of Bank of America Corporation, including Bank of
America, N.A., member FDIC. Securities, strategic advisory, and other investment
banking activities are performed globally by investment banking affiliates of
Bank of America Corporation ("Investment Banking Affiliates"), including, in the
United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, which is a
registered broker-dealer and member of SIPC, and in other jurisdictions, locally
registered entities. Investment products offered by Investment Banking
Affiliates: Are Not FDIC Insured. May Lose Value. Are Not Bank Guaranteed. ©
2019 Bank of America Corporation.


DISCLAIMER FOR BRAZIL:

"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation. Lending, derivatives
and other commercial banking activities are performed globally by banking
affiliates of Bank of America Corporation, including Bank of America, N.A.,
member FDIC. Securities, strategic advisory, and other investment banking
activities are performed globally by investment banking affiliates of Bank of
America Corporation ("Investment Banking Affiliates"), including, in the United
States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp., both of which are registered as broker-dealers and
members of SIPC, and, in other jurisdictions, by locally registered entities.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp. are registered as futures commission merchants with
the CFTC and are members of the NFA.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000 | email:
ouvidoria_bamlbrasil@baml.com
1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A.
Corretora de Títulos e Valores Mobiliários

Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.

© 2019 Bank of America Corporation.


DISCLAIMER FOR LATIN AMERICA:

"Bank of America Merrill Lynch" is the marketing name for the global banking and
global markets businesses of Bank of America Corporation. Lending, derivatives
and other commercial banking activities are performed globally by banking
affiliates of Bank of America Corporation, including Bank of America, N.A.,
member FDIC. Securities, strategic advisory, and other investment banking
activities are performed globally by investment banking affiliates of Bank of
America Corporation ("Investment Banking Affiliates"), including, in the United
States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp., both of which are registered broker-dealers and
members of SIPC, and, in other jurisdictions, by locally registered entities.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch
Professional Clearing Corp. are registered as futures commission merchants with
the CFTC and are members of the NFA.

Bank of America Corporation and its affiliates do not perform in any
jurisdiction banking activities that are reserved by local law to licensed
banks, except in those jurisdictions where its banking affiliates have procured
the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore
basis for Latin America. Some or all of the products may not be available in
certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be
interpreted as banking or financial intermediation, business solicitation and/or
public offering of any kind.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000 | e-mail:
ouvidoria_bamlbrasil@baml.com

1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A.
Corretora de Títulos e Valores Mobiliários

"Merrill Lynch" is the trademark that Bank of America Corporation uses in the
Republic of Argentina for its capital market, financial advisory and investment
businesses, which are conducted by and through Merrill Lynch Argentina S.A..
This entity does not conduct any activities subject to banking license, such as
capturing deposits from the public.

Bank of America Mexico, S.A., Institución de Banca Múltiple is a banking
affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative
office in Colombia of Bank of America N.A., supervised by the Superintendencia
Financiera de Colombia and authorized to promote in Colombia select products and
services that

Bank of America N.A. provides outside of Colombia. Neither Bank of America,
N.A., nor its Representative Office in Colombia, is authorized to carry out in
Colombia any activities that are reserved by Colombian law to locally licensed
banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative
office in Peru of Bank of America N.A., supervised by the Superintendencia de
Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized
to promote in Peru select products and services that Bank of America N.A.
provides outside of Peru. Neither Bank of America, N.A., nor its Representative
Office in Peru, is authorized to carry out in Peru any activities that are
reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative
office in Chile of Bank of America N.A., supervised by the Superintendencia de
Bancos e Instituciones Financieras and authorized to promote in Chile select
products and services that Bank of America N.A. provides outside of Chile.
Neither Bank of America, N.A., nor its Representative Office in Chile, is
authorized to carry out in Chile any activities that are reserved by Chilean law
to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank
representative offices in any other jurisdiction in Latin America.

Securities, strategic advisory, and other investment banking activities are
performed globally by investment banking affiliates of Bank of America
Corporation, including, in the United States, Merrill Lynch, Pierce, Fenner &
Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are
registered broker-dealers and members of FINRA and SIPC, and in other
jurisdictions, by locally registered entities.

Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.

© 2019 Bank of America Corporation.

 * General Disclaimer
 * Disclaimer for Australia
 * Disclaimer for Canada
 * Disclaimer for India
 * Disclaimer for Brazil
 * Disclaimer for Latin America

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TERMS AND CONDITIONS


TERMS AND CONDITIONS FOR BANK OF AMERICA CORPORATION WEBSITES

These Terms and Conditions ("Terms and Conditions") are for the Bank of America
Corporation ("Bank of America") website and those websites of its affiliates
(collectively the "Sites") including Bank of America, N.A., Merrill Lynch,
Pierce, Fenner & Smith Incorporated, Bank of America Capital Management and
certain other affiliates enumerated herein (collectively "Affiliates") that are
available through the Bank of America Sites and apply to all services, programs,
information and products (collectively "Service") that you ("Client") may use or
otherwise access from time to time through the Sites ("Agreement").


USE OF SITES

Client agrees that any trade confirmation, account statement or other document
delivered through the Sites by "clicking" on the designated spaces in or
relating to such document shall be deemed to be "in writing" and to have been
"signed" and delivered for all purposes by Client. Any record of such
transaction or confirmation (including, without limitation, electronic records)
shall be deemed to be "in writing." Client further agrees that it shall not
contest the legally binding nature, validity or enforceability of any
transaction, document or confirmation based on the fact that it has been
executed by "clicking" on the designated spaces and expressly waives any and all
rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive,
non-sublicensable, non-transferable, non-assignable, personal right and license
to access and use the Sites solely for Client's internal use in accordance with
the terms of this Agreement. Client accepts the right and license granted herein
to access and use the Sites solely in accordance with this Agreement and any
rules or restrictions or procedures published by Bank of America on the Sites
from time to time. Client acknowledges and agrees that the Sites, and all
intellectual property and proprietary rights therein and thereto, anywhere
worldwide, including such rights in copyrights, trademarks, service marks, trade
dress, patents, patent applications and trade secrets and other proprietary
and/or confidential information (collectively, "IP"), are the valuable property
of Bank of America and/or its affiliates and licensors. Other than the license
granted hereunder, Client obtains no rights to the Sites. Client may not access
or use the Sites in any way that may infringe any IP right of Bank of America or
its Affiliates or licensors. Client promptly shall notify Bank of America of any
actual or threatened infringement or misappropriation of IP, or any portion
thereof, of which it becomes aware. Client acknowledges and agrees that it will
not use, or allow the use of the Sites in contravention of, and will comply
with, any applicable laws, rules, regulations or interpretations (collectively,
"Applicable Law").

Client agrees that it will not, and will not authorize or permit any person
("Authorized Person") under its control, under any circumstance to:

 * sell, lease, transfer, recirculate, republish, redistribute, make available
   or otherwise provide access to the Sites, or any portion thereof or data
   thereon, to any person other than its Authorized Persons, including through
   oral, written, or electronic means whether as a demonstration or otherwise;
 * photocopy, download or otherwise reproduce in any medium any portion of the
   Sites, except that Client may download into Client's internal computer
   system, or print a hard copy of, content on the Sites, in whole or in part,
   provided that, in each case, all copyright and other proprietary notices are
   retained and complied with; or
 * alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary
to access and use the Sites, and the maintenance thereof shall be the sole
responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any
action required by any Applicable Law, any self-regulatory organization or any
governmental entity to which it is subject. Prior to taking any such action,
Client shall, to the extent reasonably practicable given the then-current
circumstances, notify Bank of America in writing thereof and consult with Bank
of America regarding the steps to be taken to ensure compliance with Applicable
Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY
ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND
WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE
WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and
assistance, documents and data as shall reasonably be requested by Bank of
America in order to enable Bank of America to comply with any and all Applicable
Law. Client understands and agrees that Bank of America may report such
information to regulatory authorities to the extent necessary, in its reasonable
discretion, to comply with Applicable Law.


SECURITY

Bank of America shall assign to each Authorized Person a unique User ID ("User
ID") and a corresponding password and/or other access codes (each, an "Access
Code") to enable Authorized Persons to access and use such functions within the
Sites as Client shall authorize. Client shall (i) maintain, (ii) take
appropriate steps to ensure that its officers and employees maintain, and (iii)
inform all Authorized Persons of Client's obligation to maintain, the
confidentiality of User IDs and Access Codes and the security of the Sites.
Client shall not permit any person other than an Authorized Person to access or
use the Sites on its behalf or to use any User ID or Access Code and shall
educate and familiarize those Authorized Persons who access and/or use the Sites
with Client's obligations under this Agreement. Client acknowledges and agrees
that Client and/or its Authorized Persons may access the Sites through the World
Wide Web or other Internet service which is not necessarily secure, and Bank of
America does not warrant that such system is secure. Client agrees to be bound
by all communications (and the consequences thereof) placed on, executed through
or facilitated by the Sites that are accompanied by a valid User ID and a valid
Access Code assigned to Client or an Authorized Person. Upon becoming aware of,
or if Client suspects, a technical failure or any improper access to or use of
the Sites or Access Codes by any Authorized Person or other person, Client shall
promptly notify Bank of America of such occurrence, and shall, as promptly as
practicable, to the extent any improper access or use is by an Authorized
Person, take immediate actions to terminate such Authorized Person's access to
and use of the Sites. Bank of America reserves the right to limit or terminate
Client's or any Authorized Person's access to and use of the Sites immediately
and without notice.


NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any
offer to buy, under no circumstances should any information on the Sites be used
as or considered to be an offer to sell or a solicitation of any offer to buy
the securities or any other instruments of Bank of America or any other issuer.
Offers can only be made where lawful under applicable law. Any information,
services, or securities offered via the Sites are intended to be available only
to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland,
Japan, Italy, Korea, the Netherlands, Singapore, the United States and the
United Kingdom. The viewing or distribution of the Sites may be restricted by
law in certain jurisdictions. Persons using the Sites are required to inform
themselves about and observe any legal restrictions on the use of the Sites and
any restrictions set forth in the Sites. The Sites do not constitute an offer
of, or a solicitation to purchase any securities in any jurisdiction in which
such offer or invitation would be unlawful. If you wish to obtain further
details about any information contained through the Sites, there are several
areas on the Sites that will provide you with contact information.


DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the
securities mentioned in these Sites or in options based thereon. In addition,
Bank of America or its Affiliates, their shareholders, directors, officers
and/or employees, may from time to time have long or short positions in such
securities or in options, futures or other derivative instruments based thereon.
One or more directors, officers and/or employees of Bank of America or its
Affiliates may be a director of the issuer of the securities mentioned at these
Sites. Bank of America or its Affiliates may have managed or co-managed a public
offering of, or acted as initial purchaser or placement agent for a private
placement of, any of the securities of any issuer mentioned on the Sites, or may
from time to time perform consulting, advisory, lease, loan solicitation,
investment banking or other services for, or solicit investment banking or other
business from, mentioned companies.


ACCOUNT INFORMATION

Certain information from Client's account(s) at Bank of America or its
Affiliates is accessible on the Sites and can be downloaded by Client ("Account
Information"). While Bank of America and its Affiliates believe that this
Account Information will be accurate at the time of access and/or downloading by
Client, this information may have certain technical flaws, typographical errors
or other inaccuracies. Additionally, the Account Information is subject to
immediate change resulting from market conditions, price fluctuations and other
related factors. Bank of America and its Affiliates expressly disclaim any
responsibility or liability for the accuracy or use of such Account Information
upon its being downloaded by Client and will not be liable for any difficulty,
damage or inaccessibility of such information due to hardware or software
incompatibility.


PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis.
Any indicative valuations on the Sites are provided for information only. They
are not an offer to enter into, transfer and assign or terminate any
transaction, or a commitment by Bank of America or its Affiliates to make such
an offer. An indicative valuation may differ substantially from an actual value.
Such estimates do not necessarily reflect Bank of America's or its Affiliates'
internal bookkeeping or theoretical model-based valuations. Certain factors,
which may not have been assessed for purposes of these valuations, including,
for example, notional amounts, credit spreads, underlying volatility, costs of
carry or use of capital and profit, may substantially affect a stated valuation.
Indicative valuations may vary significantly from indicative valuations
available from other sources. While Bank of America and its Affiliates have
obtained the information on which these evaluations are based from sources they
believe are reliable, Bank of America and its Affiliates make no representations
or warranties with respect to any indicative valuations. Prior to the execution
of a Transaction based upon the Content of these Sites, Client is advised to
consult with its broker or other financial representative to verify pricing
information.


HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike
an actual performance record, simulated results do not represent actual trading.
Also, since the trades have not actually been executed, the results may have
under or over-compensated for the impact, if any, of certain market factors,
such as lack of liquidity. Simulated trading programs in general are designed
with the benefit of hindsight. Past performance is not indicative of future
results; no representation is being made that any account will or is likely to
achieve profits or losses similar to those shown.


MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety,
including any footnotes, legal disclaimers, restrictions or disclosures, or any
copyright or proprietary notices. Any disclaimers, restrictions, disclosure or
hedge clauses apply to any partial document or material in the same manner as
they do to the whole, and will be deemed incorporated in the portion of any
material or document that you consult or download.


LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates,
which are not to be considered a part of the Sites. Certain other links on the
Sites to non-affiliated third-party sites may contain information over which we
have no control. We take no responsibility for the content, accuracy, content,
completeness, timeliness, current value or any aspect of the information on
these sites and disclaim any liability to Client for it or for any consequence
of your decision to use the links provided or your use of such information.
Links to non-Bank of America sites do not imply any endorsement of or
responsibility for the opinions, ideas, products, information or services
offered at such sites, or any representation regarding the content at such
sites. We also disclaim all liability and make no representations or warranties
for any products or services sold or provided to Bank of America or its
Affiliates by any third party. Your purchase of products or services through one
of those other sites is subject to agreements and/or the terms and conditions in
effect between Client and the providers of products and services at those other
sites. Client agrees that it shall not bring a suit or claim against Bank of
America or its Affiliates arising from or based on your purchase or use of
products or services through those other sites. Links do not imply that Bank of
America, its Affiliates or the Sites sponsors, endorses, is affiliated or
associated with, or is legally authorized to use any trademark, trade name, logo
or copyright symbol displayed in or accessible through the links, or that any
linked sites is authorized to use any trademark, trade name, logo or copyright
symbol of Bank of America or its Affiliates.


CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the
right to do so without prior notice to you. Client acknowledges that not all
products and services listed or discussed in the Sites are available in all
geographic areas. Your eligibility for particular products and services is
subject to final determination and acceptance by Bank of America or its
Affiliates.


CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of
America and its Affiliates through the Sites and/or through email provided to
you via the Sites. This delivery will generally consist of certain Content on
the Sites, and certain other documents relating to Bank of America and its
Affiliate's business. This electronic provision and delivery will be regarded by
you as appropriate delivery pursuant to any delivery requirements under the
various statutes and rules, where applicable, of the Securities and Exchange
Commission, the National Association of Securities Dealers and any state or
other jurisdiction. You acknowledge that you have the appropriate technological
equipment to use the Sites and to receive email via the Internet and understand
that your use of the Internet may incur certain operational costs such as
monthly fees for a service provider. You agree to notify Bank of America or the
applicable Affiliate in the event that you no longer desire to receive content
through this delivery procedure and will allow a reasonable amount of time to
permit proper delivery to you through other means.


NO WARRANTY

Client acknowledges that any information provided through the Sites is not
intended to be a recommendation, offer or solicitation of any particular
products or services. In addition, all research, analysis and similar market
information from non-affiliated third parties provided represent the views and
opinions solely of the author or the indicated source. Bank of America and its
Affiliates do not independently verify the accuracy or completeness of such
information, nor does Bank of America and its Affiliates endorse any particular
views expressed therein. Except for offering memoranda, Bank of America and its
Affiliates disclaim any liability to Client for this information or for any
consequence of your decision to use it. Client agrees that it shall
independently confirm any such information presented through the Sites before
relying on such information. Bank of America, its Affiliates and their
respective employees, contractors, agents and various contributors to the Sites
have no duty to correct or update any inaccurate or out-of-date information on
the Sites.

Client acknowledges that it is acting for its own account, and it has made its
own independent decisions to enter into a Transaction and as to whether a
Transaction is appropriate or proper for it based upon its own judgment and upon
advice from such advisors as it has deemed necessary. Client is not relying on
any communication (written or oral) of Bank of America or its Affiliates as
investment advice or as a recommendation to enter into a Transaction; it being
understood that information and explanations related to the terms and conditions
of a Transaction shall not be considered investment advice or a recommendation
to enter into that Transaction. Further, Client has not received from Bank of
America or its Affiliates any assurance or guarantee as to the expected results
of a Transaction.


COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client's conduct may be subject
to local, state, national and international laws. Client agrees that it and any
of its Authorized Persons shall comply with this Agreement, applicable laws,
rules, regulations, ordinances and other similar national and international
requirements of the country, state and province in which you are accessing and
using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by
electronic transmission or otherwise, any content on the Sites subject to
restrictions under such laws to a national destination prohibited under such
laws, without first obtaining, and then complying with, any requisites
government authorization. Client further agrees not to upload to the Sites any
data or software that cannot be exported without prior written government
authorization, including, but not limited to, certain encryption software. This
assurance and commitment shall survive termination of these Terms and
Conditions. Offices, residents and operations of your organization in Cuba,
Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are
the subject of sanctions by the United States Office of Foreign Asset Control or
other general U.S. embargo restrictions are not permitted to access and use the
Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend,
indemnify and hold harmless Bank of America, its Affiliates, their officers,
directors, employees, agents, contractors or other suppliers from all
liabilities, claims and expenses, including attorneys fees, that arise from a
breach of these Terms and Conditions for which you are responsible, or from
third-party claims arising from your use of the Sites. Bank of America and its
Affiliates reserve the right to assume the exclusive defense and control of any
matter otherwise subject to indemnification by you. Notwithstanding the
foregoing, you are not required to indemnify Bank of America or its Affiliates
for its own violations of applicable laws.


 * FOR RESIDENTS OF BRAZIL:
   
   The information contained here does not constitute a public offering or
   distribution of securities in Brazil and no registration or filing with
   respect to any securities or financial products available on the Sites has
   been made with Commisao de Valores Mobiliarios.


 * FOR RESIDENTS OF CANADA:
   
   The information contained here does not constitute a public offering or
   distribution of securities in Canada or any of its provinces. No registration
   or filing with respect to any securities or financial products available on
   the Sites has been made with any regulatory agency thereof.


 * FOR RESIDENTS OF FRANCE:
   
   The Sites do not constitute a solicitation to enter into a transaction
   involving financial instruments, is not being distributed in the context of a
   public offer in France within the meaning of Article L. 411-1 of the Monetary
   and Financial Code, and has thus not been submitted to the COB for prior
   approval and clearance procedure. Any offers, sales or distribution of
   financial instruments through the Sites shall only be made in France to
   qualified investors (investisseurs qualifies) as defined in and in accordance
   with Article L. 411-2 of the Monetary and Financial Code and d?cret no.
   98-880 dated 1st October, 1998. The contents of the Sites may not be
   redistributed or reproduced (in whole or in part) by any User. The Sites are
   made available with the understanding that Users will make investment
   decisions for their own account with the conditions set out in d?cret no.
   98-880 dated 1st October, 1998. By using the Sites, Users undertake not to
   transfer, directly or indirectly, any financial instrument acquired through
   the Sites to the public in France, other than in compliance with applicable
   laws and regulation. Services hereunder may be provided by Banc of America
   Securities, Limited, as agent or otherwise.


 * FOR RESIDENTS OF GERMANY:
   
   The Sites are made available only to professional investors as such term is
   defined in the Securities Sales Prospectus Act.


 * FOR RESIDENTS OF HONG KONG:
   
   Access to the Sites is by invitation only to institutional investors. No
   information or material contained in the Sites is or should be construed as
   amounting to an offer to enter into any transaction or investment whatsoever.
   The information on these Sites is provided by the Hong Kong branch of Bank of
   America, N.A., and is compiled from information prepared by subsidiaries and
   affiliates of Bank of America Corporation. Your agreement for the use of this
   Site is with the Hong Kong branch of Bank of America, N.A.


 * FOR RESIDENTS OF IRELAND:
   
   Access to the Sites is by invitation only to professional investors.


 * FOR RESIDENTS OF ITALY:
   
   Access to the Sites is by invitation only to professional investors as
   defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.


 * FOR RESIDENTS OF JAPAN:
   
   Access to the Sites is by invitation only to financial institutions as
   defined under the Law Concerning Foreign Securities Firms.


 * FOR RESIDENTS OF KOREA:
   
   Access to the Sites is by invitation only to professional investors with a
   valid password. The information contained here does not constitute a public
   offering or distribution of securities in Korea.


 * FOR RESIDENTS OF NETHERLANDS:
   
   Access to the Sites is by invitation only to professional market parties as
   defined in the Dutch Securities Transactions Supervision Act 1995. Securities
   or other instruments on these Sites are only offered to professional market
   parties.


 * FOR RESIDENTS OF SINGAPORE:
   
   Access to the Sites is by invitation only to institutional investors. The
   information contained here does not constitute a public offering or
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MISSION STATEMENT


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We take the time to know clients as individuals and investors, and we value the
relationships we develop. We can explore the individualized financial goals that
are important to clients, and create custom strategies designed to help them
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OUR PHILOSOPHY


PHILOSOPHY

You live in a world that’s constantly changing. Markets can fluctuate
frequently. Potential investment opportunities can arise daily. Regulations are
enacted or amended. That’s why understanding you and your situation is the best
place to start helping you plan your financial future: where you are today,
where you want to be tomorrow, and what you want to accomplish along the way. By
understanding you and your priorities, we can more effectively provide you with
the experience and resources needed to help you build a personalized plan that
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OUR APPROACH


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Every relationship begins with a conversation, helping you identify and
prioritize which goals matter most to you. Whether it's transferring wealth to
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 * Investment Personality
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INVESTMENT PERSONALITY


YOUR APPROACH TO INVESTING



Drawing upon research in the field of behavioral finance, Merrill developed the
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investor and potentially help you refine your own investing preferences. By
gaining a deeper understanding of how you think and feel about investing through
this assessment, we can customize the financial approach we develop together to
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insights and resources.




YOUR GOALS


UNDERSTANDING YOUR GOALS AND PRIORITIES

Your life and goals change. We have tools to help you keep track of these
changes so they can be reflected in your financial approach.


INVESTMENT PERSONALITY


YOUR APPROACH TO INVESTING



Drawing upon research in the field of behavioral finance, Merrill developed the
Investment Personality Assessment to help us get to know you better as an
investor and potentially help you refine your own investing preferences. By
gaining a deeper understanding of how you think and feel about investing through
this assessment, we can customize the financial approach we develop together to
help you pursue what matters most to you. Our Investment Personality
Assessment is one of the ways to help us get to know you - to understand your
goals and priorities. These questions will help us provide you with additional
insights and resources.






YOUR GOALS


UNDERSTANDING YOUR GOALS AND PRIORITIES

Your life and goals change. We have tools to help you keep track of these
changes so they can be reflected in your financial approach.




SERVICES


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Our financial planning process begins by getting to know you and understanding
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FOCUS ON HIGH-NET-WORTH INDIVIDUALS AND BUSINESS OWNERS

We offer clients a breadth of potential solutions, premier customer service and
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This material should be regarded as general or educational information on
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