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Opinions or ideas expressed are not necessarily those of Bank of America, Merrill Lynch Wealth Management or U.S. Trust, nor do they reflect their views or endorsement. These materials are for informational purposes only. Bank of America, Merrill Lynch Wealth Management and U.S. Trust do not assume liability for any loss or damage resulting from anyone's reliance on the information provided.




Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”).

U.S. Trust operates through Bank of America, N.A., member FDIC, and other subsidiaries of BAC.

Investment Products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value