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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Merrill Lynch, Pierce, Fenner & Smith Incorporated (“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 advisor, Member SIPC and a wholly owned subsidiary of BofA Corp. Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Bank of America, N.A. Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Investment Products are provided by MLPF&S and: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. |