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Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as 'MLPF&S', or 'Merrill'), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

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