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Investing involves risk. There is always the potential of losing money when you
invest in securities.


Asset allocation, diversification and rebalancing do not ensure a profit or
protect against loss in declining markets.

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
purchase or sale of any security or investment strategy. Merrill offers a broad
range of brokerage, investment advisory (including financial planning) and other
services. Additional information is available in our Client Relationship
Summary.  

Merrill 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.


Insurance and annuity products are offered through Merrill Lynch Life Agency
Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America
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Trust, fiduciary and investment management services are provided by Bank of
America, N.A. and its agents, Member FDIC, or U.S. Trust Company of Delaware.
Both are wholly-owned subsidiaries of Bank of America Corporation.

Banking products are provided by Bank of America, N.A. and affiliated banks,
Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment, insurance and annuity products:


Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are
Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking
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4160622-EXP-2023-01-12

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