CMA account

I like the flexibility of having access to cash management services through my investment account.

The Cash Management Account ® (CMA account) offers convenience and flexibility of cash management services such as check writing, a Visa® deferred debit card¹ or Bill Pay services combined with an investment account. You can manage your everyday financial needs while supporting your long-term investment goals through a broad range of investment options—all in a single account. Plus, you can benefit from an automatic cash sweep feature, such as the Merrill Lynch Bank Deposit Program (MLBDP) for uninvested cash balances.

Learn more about CMA.

_{1. Some restrictions on Visa card issuance for certain account
types may apply.}

Things to consider:

Do you value the convenience of paying a bill or writing a check directly from your investment account for occasional larger than normal purchases such as college tuition?

Would you like for your cash portfolio to work harder for you though automatic investing into a bank deposit program or money market mutual fund?

Do you want the ability to automatically reinvest cash dividends?

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

Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Investment products, insurance and annuity 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

Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Merrill Lynch is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”). Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

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

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

MLPF&S and U.S. Trust 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.

CMA account

I like the flexibility of having access to cash management services through my investment account.

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