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Merrill Edge™, available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"), consists of Merrill Edge Advisory Center (investment guidance) or self-directed online investing.

Banking products provided by Bank of America, N.A., Member FDIC.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Bank of America, N.A, U.S Trust Company of Delaware, Merrill Lynch Life Agency Inc. and MLPF&S, a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), are wholly owned subsidiaries of Bank of America Corporation.

Investment products, 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 Service or Activity

MLPF&S makes available investment products managed or distributed by BofA™ Global Capital Management, an affiliate of Bank of America Corporation.

©2013 Bank of America Corporation. All rights reserved.