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Authorization Code Terms & Conditions

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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.").

Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Bank of America, N.A, U.S Trust Company of Delaware, MLLA and MLPF&S, a registered broker-dealer, registered investment adviser, and Member Go to another website and learn about Securities Investor Protection Corporation (SIPC) popup , are wholly owned subsidiaries of BofA Corp.

Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp.

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

**Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:**
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

Patent: patents.bankofamerica.com

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