1 In addition to receiving dealer concessions and asset-based sales charges and/or services fees in connection with clients' purchasing and holding mutual fund shares, Merrill Lynch and its affiliates provide other services for which they may receive additional compensation from funds or their affiliates. This compensation is generally disclosed in a fund's prospectus, and if available, the summary prospectus, statement of additional information or website. For specific mutual fund family compensation information, please contact the Investment Center.
2 Exchange Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. You should carefully consider the investment objectives, risks, charges, and expenses before investing in this product. This and other important information is included in the prospectus, which should be read carefully before investing. Prospectuses can be obtained from your investment professional or through the investor's sign-in area of bankofamerica.com/investments.
3 Clients should be made aware of the risks involved with securities in the event that their assets decline in value. If this occurs, Merrill Lynch is permitted to sell their assets without contacting them and clients may suffer adverse tax consequences from the sale. When considering a securities-based loan, consideration should be given to individual requirements, portfolio composition, and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon.
Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus and/or, if available, the summary prospectus. Always read the prospectus and/or, if available, the summary prospectus carefully before you invest or send money.