Bank of America Merrill Lynch Retirement & Benefit Plan Services

Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation ('BAC'). Banking and fiduciary activities are performed by wholly owned banking subsidiaries of BAC, including Bank of America, N.A., Member FDIC. Brokerage services are performed by wholly owned brokerage subsidiaries of BAC, including Merrill Lynch, Pierce, Fenner & Smith Incorporated ('MLPF&S'), which is a registered broker-dealer and Member SIPC.

Investing in stable value products is typically more involved than investing in other diversified fund offerings. Plan sponsors will need to sign participation agreements and other documents with the stable value product's sponsor; will also be required to meet certain eligibility criteria; and such investments are typically subject to plan-level withdrawal restrictions that may limit plan liquidity.

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

Bank of America Merrill Lynch makes available investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC or in which BAC has a substantial economic interest, including BofA^TM Global Capital Management.