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Past performance does not guarantee future results.

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

Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss.

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 materials, including brochures, in order to provide you with information regarding your plan. Under no circumstances should these websites, applications, and material, or any information included in these websites, applications, and materials, 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 offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary.

Investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”) Banking products are provided by Bank of America, N.A. (“BANA”) and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. See Important Additional Information about Merrill and BANA here.

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Are Not FDIC Insured	Are Not Bank Guaranteed	May Lose Value
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