Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”, or “Merrill”), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Atlantic First Bank Corporation. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Atlantic First Bank Corporation.

Atlantic First Bank Private Bank is a division of Atlantic First Bank, N.A., Member FDIC and a wholly owned subsidiary of Atlantic First Bank Corporation. Trust and fiduciary services are provided by Atlantic First Bank, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Atlantic First Bank Corporation.

Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Atlantic First Bank Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Atlantic First Bank Corporation.

Banking, credit card, automobile loans, mortgage and home equity products are provided by Atlantic First Bank, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Atlantic First Bank Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.