Electronic Communications Disclaimers

Merrill Lynch Investment Center

For your security, Merrill Lynch, Pierce, Fenner & Smith Incorporated® does not accept instructions concerning changes to accounts or transactions through email. Additionally, do not send information you consider confidential via email as it will not be transmitted through a secure line. Instead, please speak to your Merrill Lynch, Pierce, Fenner & Smith Incorporated® investment representative.


We want you to know that:


Investment products and annuities are offered through Merrill Lynch, Pierce, Fenner & Smith Incorporated®:


Are Not FDIC Insured

May Lose Value

Are Not Bank Guaranteed

Are Not Insured by Any Federal Government Agency

Are Not Deposits

Are Not a Condition to Any Banking Service or Activity


Merrill Lynch, Pierce, Fenner & Smith Incorporated® is a registered broker-dealer, member FINRA and SIPC. Banc of America Insurance Services, Inc. is a licensed insurance agency and a non-bank subsidiary of Bank of America, N.A.


Merrill Lynch, Pierce, Fenner & Smith Incorporated® is a non-bank subsidiary of Bank of America Corporation.


Orders or instructions concerning your accounts sent through email are not accepted by Merrill Lynch, Pierce, Fenner & Smith Incorporated® and may not be accepted by Bank of America. Additionally, do not send information you consider confidential via email, instead, please speak to your representative.


If you do not wish to receive future email communications from Bank of America and its affiliates, including Merrill Lynch, Pierce, Fenner & Smith Incorporated®, please click on this link and indicate your preferences: www.bankofamerica.com/privacy


This communication is confidential and intended only for the addressee. If you are not the intended recipient, you may not copy, disclose, or distribute this message to anyone else; any such actions may be unlawful. If you have received this communication in error, please contact the sender of the message to inform him or her of the error.

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