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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.

This credit card program is issued and administered by FIA Card Services, N.A.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment Products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

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Reward yourself when you redeem points®

Reward yourself when you redeem points^®