Copyright & Legal Trademark Notices

 

CBA, CMA, IRRA, WCMA, Cash Management Account, CollegeBuilder, Investor CreditLine, Merrill Lynch OnLine and Working Capital Management Account are trademarks of Bank of America Corporation.

 

The Merrill Lynch Indices (the "Indices") are used with permission. Copyright 2008, Merrill Lynch & Co., Inc. All rights reserved. The Indices may not be copied, used, or distributed without Merrill Lynch's prior written approval. Merrill Lynch and its affiliates make no guarantees, representations or warranties of any kind, express or implied, to any person, including, without limitation, any member of the public regarding the use of the Indices in the financial products, the advisability of investing in securities generally or of the ability of the Indices to track any market performance. The Indices are determined, composed, and calculated by Merrill Lynch without regard to the financial products. Merrill Lynch retains exclusive ownership of the Indices and the programs and trademarks used in connection with the Indices. Merrill Lynch has no obligation to take the needs of the purchasers, investors or participants in the financial products into consideration in determining, composing or calculating the Indices, nor shall Merrill Lynch have any obligation to continue to calculate or provide the Indices in the future. Merrill Lynch may, in its absolute discretion and without prior notice, revise or terminate the Indices at any time. In no event shall Merrill Lynch or any of its partners, affiliates, employees, officers, directors or agents have any liability to any person or entity for any direct, indirect, punitive, special, or consequential damages, including lost profits arising from, or related in any way to, the Indices or the financial products.

 

MERRILL LYNCH FACTOR MODEL® is a trademark of Bank of America Corporation.

 

Adobe and Acrobat are registered trademarks of Adobe Systems Incorporated.

 

Business Wire is a registered trademark and service mark of Business Wire.

 

Dow Jones Industrial Average is a trademark of Dow Jones & Company, Inc.

 

IBM and IBM Global Network are registered trademarks of International Business Machines Corporation.

 

ichat is a registered trademark of ichat, Inc.

 

Infoseek and Quickseek are registered trademarks of Infoseek Corporation.

 

Investing Pays Off is a registered service mark Merrill Lynch & Co. Foundation, Inc. Any other marks referenced on the Global Philanthropy website are the property of their respective owners.

 

ILX is a trademark of Thomson Trading Services, Inc.

 

Macintosh, Mac and Power Macintosh are registered trademarks of Apple Computer, Inc.

 

MEGASOFT is a registered trademark and MEGASOFT Web Transporter is a trademark of MEGASOFT Online, Inc.

 

Microsoft Windows, Windows and Windows NT are registered trademarks of Microsoft Corporation.

 

MultexNET is a registered trademark of Multex Systems, Inc.

 

NASDAQ is a registered trademark of the National Association of Securities Dealers Inc.

 

Netscape and Netscape Navigator are registered trademarks of Netscape Communications Corporation.

 

Pentium is a registered trademark of Intel Corporation.

 

PRNewswire is a registered trademark of PRNewswire Association, Inc.

 

RealAudio is a registered trademark of Progressive Networks, Inc.

 

S&P 500 is a registered trademark of Standard & Poor's Corporation.

 

All other trademarks cited here are the property of their respective owners.

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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

Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets.

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.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary. 

This material does not take into account a client’s particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill financial advisor.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.

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

© Bank of America Corporation. All rights reserved.

Patent: patents.bankofamerica.com

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