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RETIREMENT & PERSONAL WEALTH SOLUTIONS


Investing involves risk, including the possible loss of principal value
invested.

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.

Merrill provides products and services to various employers, their employees and
other individuals. In connection with providing these products and services, and
at the request of the employer, Merrill makes available websites on the
internet, mobile device applications and written brochures in order to provide
you with information regarding your plan. Under no circumstances should these
websites, applications and brochures, or any information included in these
websites, applications and brochures, be considered an offer to sell or a
solicitation to buy any securities, products or services from Merrill or any
other person or entity.

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.

Investment products:

 * Are Not FDIC Insured
 * Are Not Bank Guaranteed
 * May Lose Value




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© 2022 Bank of America Corporation. All rights reserved. 02/2023




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