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The Client Experience

The enduring value of a relationship based on trust

The Private Banking and Investment Group provides you with a direct line to all of the resources and capabilities of a truly global investment firm — in ways that are more in keeping with a small, very exclusive boutique. The firm's rigorously trained Private Wealth Advisors build personal relationships with their clients, tapping the company's vast network of specialists to craft solutions individually tailored to your needs. Concierge services, family meetings, and exclusive seminars and events are all part of the experience.

The New Centers of Growth

: An Evening with Paul Romer, Bennett Goodman and Kate Moore; Watch the video

Inventing a Better Future

: Alfred Mann, scientific entrepreneur, Private Banking and Investment Group client for 11 years; Read the story

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Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation.

The Private Banking and Investment Group is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Group's Private Wealth Advisors through MLPF&S, a registered broker-dealer and registered investment adviser. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill Lynch's obligations will differ among these services. Investments involve risk, including the possible loss of principal investment.

The banking, credit and trust services sold by the Group's Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.

MLPF&S is a registered broker-dealer, Member SIPC and wholly owned subsidiary of Bank of America Corporation.

Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.:

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 Life Agency Inc. is a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.