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Important Legal Information

The information in this Internet site (the "Site") is directed at, and is intended for distribution to, and use by, persons in the U.S. only. It is not intended for distribution to, or use by, any person in any other jurisdiction. Overseas investors, including UK investors, are directed to our International Private Banking Group site.

 

By connecting to and using this Site, you are indicating that you are 18 years old or older and you agree to be bound by all of the terms and conditions set forth on this page.

 

Neither the information nor any opinion expressed in the Site constitutes an offer by any of the Merrill Lynch group of companies to buy or sell any securities or financial instruments or provide any investment advice or service.

 

None of the services, investments or mutual funds referred to in the Site are available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contrary to local law or regulation. Deposits will only be taken by members of the Merrill Lynch group that are authorized to do so and will not be taken from investors where this would infringe applicable local laws or regulations in that investor's jurisdiction. The information in the Site is descriptive of the operations of the Merrill Lynch group as a whole and the services, securities and financial instruments described may not be available to or suitable for you. Not all strategies are appropriate at all times. The opinions expressed in the Site do not constitute investment advice. Independent advice should be sought in cases of doubt.

 

The value and income of any of the securities or financial instruments mentioned in the Site can fall as well as rise and an investor may get back less than he invested. Foreign-currency-denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or adverse effect on the value, price or income of such securities and financial instruments. Past performance is not necessarily a guide to future performance.

 

Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) or its affiliates may at any time be long or short any securities or financial instruments mentioned in the Site, or act as market maker or provide or have provided advice or services in relation to such securities or financial instruments.

 

The investment services and products mentioned in the Site may often have tax consequences; therefore, it is important to bear in mind that the Merrill Lynch group does not provide tax advice. The levels and bases of taxation can change. Investors' tax affairs are their own responsibility and investors should consult their own attorneys or other tax advisors in order to understand the tax consequences of any products and services mentioned in the Site.

 

The content available through this Site is the property of Merrill Lynch & Co., Inc. or its licensors and is protected by copyright and other intellectual property laws. Content received through this Site may be displayed, reformatted, and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the content received through this Site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of Merrill Lynch & Co., Inc., with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of content from this Site, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in this Site, original source attribution, and the phrase "Used with permission from Merrill Lynch & Co., Inc." You may not post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of Merrill Lynch & Co., Inc.

 

THIS SITE INCLUDES FACTS, VIEWS, OPINIONS AND RECOMMENDATIONS OF INDIVIDUALS AND ORGANIZATIONS DEEMED OF INTEREST. Merrill Lynch & CO., INC. AND ITS CONTENT LICENSORS DO NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS, MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE OF, OR OTHERWISE ENDORSE, THESE VIEWS, OPINIONS OR RECOMMENDATIONS. NEITHER Merrill Lynch & CO., INC. NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY, OTHER THAN DEATH OR PERSONAL INJURY RESULTING DIRECTLY FROM THE USE OF THIS SITE, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THIS SITE AND ANY CONTENT THROUGH THIS SITE. IN NO EVENT WILL Merrill Lynch & CO., INC., ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT OR THIS SITE. Merrill Lynch & CO., INC. AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OTHER THAN DIRECT DAMAGES (INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

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Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly 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. 

This material does not take into account a client’s particular investment objectives, financial situations, or needs and 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. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill financial advisor.

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 Corporation.

Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary 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.

© Bank of America Corporation. All rights reserved.

Patent: patents.bankofamerica.com

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