Mutual Funds

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¹ You pay no transaction fees on certain mutual funds because the participating fund companies reimburse Merrill Lynch, Pierce, Fenner & Smith Incorporated for assuming certain costs associated with your brokerage account. However, a standard transaction fee may be charged whenever mutual fund shares held for 90 days or less are exchanged or redeemed. While no-load funds do not assess sales charges, fund shares are subject to management fees and certain other expenses. Redemption fees may also apply.

© 2009 Merrill Lynch, Pierce, Fenner & Smith Incorporated. Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, member FINRA and SIPC (www.sipc.org) and a nonbank subsidiary of Bank of America N.A. Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered trademark. Please note that the Information provided is obtained from sources deemed to be reliable, but Merrill Lynch, Pierce, Fenner & Smith Incorporated does not guarantee the accuracy or completeness of the information or make any warranties with regard to the results to be obtained from its use. Reports provided are for information purposes only. Under no circumstances are they to be used or considered as an offer to sell, or a solicitation of an offer to buy, any security. Because of this Merrill Lynch, Pierce, Fenner & Smith Incorporated does not guarantee or make any representation as to the accuracy, completeness or timeliness of the information provided. Therefore, we will not be liable for any loss caused directly or indirectly, by your use of the information. From time to time, affiliates of Merrill Lynch, Pierce, Fenner & Smith Incorporated may act as a market maker, and Merrill Lynch, Pierce, Fenner & Smith Incorporated, including any of its affiliates may, as principal or agent, buy and sell such securities. Merrill Lynch, Pierce, Fenner & Smith Incorporated, including any of its affiliates and/or its directors, officers, employees or members of their families, may have a long or short position in the securities mentioned and may make purchases and/or sales of those securities in the open market or otherwise.

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Investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated and:

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Investing involves risks, including the loss of principal invested.

You should carefully consider a fund's investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, which should be read carefully before investing. Prospectuses for mutual funds can be obtained by contacting your personal investment representative or through the investor's sign-in area of bankofamerica.com/investments.

Neither Bank of America, N.A. nor any of its subsidiaries are tax or legal advisors. It is suggested that you consult your personal tax or legal advisor before making tax or legal-related investment decisions.