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The value and income of any of the securities or financial instruments mentioned in the Site can fall as well as rise and an investor may get back less than he invested. Foreign-currency denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or adverse effect on the value, price or income of such securities and financial instruments. Past performance is not necessarily a guide to future performance.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) or its affiliates may at any time be long or short any securities or financial instruments mentioned in the Site, or act as market maker or provide or have provided advice or services in relation to such securities or financial instruments.

The investment services and products mentioned in the Site may often have tax consequences; therefore, it is important to bear in mind that the Merrill Lynch group does not provide tax advice. The levels and bases of taxation can change. Investors' tax affairs are their own responsibility and investors should consult their own attorneys or other tax advisors in order to understand the tax consequences of any products and services mentioned in the Site.

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Business Continuity Statement      Software Requirements     Important Legal and Trademark Notices Diversification, asset allocation, and rebalancing do not assure a profit or protect against loss in declining markets. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance is no guarantee of future results.

Any information presented about tax considerations affecting client financial transactions or arrangements is not intended as tax advice and should not be relied upon for the purpose of avoiding any tax penalties. Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.

System availability and response time are subject to market conditions and possible unscheduled outages.

Merrill Lynch Wealth Management is the marketing name for the services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated and other subsidiaries of Bank of America Corporation. Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer and a wholly owned subsidiary of Bank of America Corporation.

Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency.

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Investment and insurance products:

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

MLPF&S and Merrill Lynch Trust Company make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest, including Columbia Management, BlackRock and Nuveen Investments.