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NextGen College Investing Plan Client Direct Series

* There can be no assurance that the strategy of any portfolio will be allocation or diversification do not ensure a profit or protect against loss in declining remember there s always the potential of losing money when you invest in 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. ).MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA products:Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose ValueAge-Based Diversified Portfolios (page 2)When to consider:If you don t want to actively manage your investments These portfolios offer an investment strategy based on your child s age and when you ll need the assets to pay for his or her education.

NextGen College Investing Plan® Client Direct Series Investment Portfolios Please remember there’s always the potential of losing money when you invest in securities.

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