1 Some restrictions on Visa card issuance for certain account types may apply. Merrill-branded debit cards, issued by Bank of America, N.A., may only be issued to account holders with an official account address that is located in the United States.
2 Important Note about Alternative Investments: Alternative investments can provide diversification benefits not obtained from more traditional investments, but should be carefully considered based on your investment objectives, risk tolerance and net worth. Alternative investments are often long-term, illiquid investments that are not easily valued. Note that not all assets that could be considered alternative investments are necessarily reflected in the alternative investment allocation. Alternative investment funds may engage in a wide variety of transactions and hold a range of investments, including though short sales and through investments in commodities, various types of debt, securities issued in initial public offerings and derivative instruments. Such transactions and investments may be speculative and expose a fund to large losses or volatile investment performance.
3 An investment in money market mutual funds is not a bank deposit, and is not insured or guaranteed by Bank of America Corporation or any of its affiliates or by the Federal Deposit Insurance Corporation or any other government agency. Although money market mutual funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in money market mutual funds. Please see the prospectuses for a complete discussion of the risks of investing in money market mutual funds.
4 The Automated Investment Program is intended for clients who want to purchase additional shares of mutual funds that they already own. Before you can enroll in the program, you must first meet the initial minimum purchase requirement for the mutual fund that you select. Each mutual fund company has an established initial and subsequent minimum purchase requirement. After you have met the initial purchase requirement, additional purchases must meet the mutual fund company’s subsequent purchase requirement or $100, whichever is higher.
5 No investment program is risk free, and a systematic investment plan does not ensure profits or protect against loss in declining markets. Any investment plan should be subject to periodic review for changes in your individual circumstances, including changes in market conditions or your financial ability to continue purchases.
6 The FDIC’s standard maximum deposit insurance amount is up to $250,000 (including principal and any accrued interest) per depositor, per account ownership category, per insured bank. For more information on products that are FDIC-insured and current limits, visit fdic.gov.
7 Deposits in this primary money facility are placed with Merrill Lynch Bank and Trust Company (Cayman) Limited (MLBTC), a bank incorporated in the Cayman Islands. Merrill Lynch Bank and Trust Company (Cayman) Limited (Registration Number: 26981) is regulated by the Cayman Islands Monetary Authority (“CIMA”) and currently maintains a Category B bank license, an unrestricted trust license and a securities investment business license. Details about the extent of our regulation by CIMA are available on request. Its registered office is at: 3rd Flr, SIX, Cricket Square, 171 Elgin Ave, George Town, Grand Cayman KY1-1102. A list of names and personal details of every director of the company is available for inspection to the public at the company’s registered office for a nominal fee.
8 Trust, fiduciary and investment management services are provided Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation, and its agents.
9 There are no costs for downloading the Merrill mobile applications, but you may be charged access fees from your wireless service provider. Please check with your wireless service provider for details on specific fees and charges.
10 iPhone/iPad devices must have iOS 5.0 and above with a camera to use the mobile check deposits service. Android devices must have OS 2.3 and above with a camera to use the mobile check deposits service. There are no costs for downloading the Merrill mobile applications, but you may be charged access fees from your wireless service provider. Please check with your wireless service provider for details on specific fees and charges.
Investing involves risk, including possible loss of the principal value invested. Investments in foreign securities or sector funds, including technology or real estate stocks, are subject to substantial volatility due to adverse political, economic or other developments and may carry additional risk resulting from lack of industry diversification. Funds that invest in small or mid-capitalization companies experience a greater degree of market volatility than those of large-capitalization stocks and are riskier investments. Bond funds have the same interest rate, inflation, and credit risks associated with the underlying bonds owned by the fund. Generally, the value of bond funds rises when prevailing interest rates fall and falls when interest rates rise. Investing in lower-grade debt securities (“junk” bonds) may be subject to greater market fluctuations and risk of loss of income and principal than securities in higher rated categories. There are ongoing fees and expenses associated with investing. Bear in mind that higher return potential is accompanied by higher risk.
The CMA account is a securities account with MLPF&S. The account provides access to services and products offered by licensed banks, including checking and FDIC-insured deposits that are held at the banks. Securities, mutual funds and other non-deposit investment products available through the account are not FDIC insured, not guaranteed by a bank and may lose value.
The CMA Access Visa Card is issued by Bank of America, N.A.
Bank of America, the Bull Symbol, Cash Management Account, CMA, CMA Access, CMA SubAccount, Merrill and MyMerrill are registered trademarks of Bank of America Corporation.
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Apple, the Apple logo, App Store, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
Fedwire is a registered service mark of the Federal Reserve Banks.
Visa is a registered trademark of Visa International Service Association and is used by the issuers pursuant to license from Visa U.S.A. Inc.
