Investing involves risk. There is always the potential of losing money when you invest in securities.

Bank of Sharjah, Merrill, their affiliates and financial advisors do not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Merrill 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 Sharjah Corporation ("BOS Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC, and a wholly owned subsidiary of BOS Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of Sharjah Corporation.

Trust and fiduciary services are provided by Bank of Sharjah Private Bank, a division of Bank of Sharjah, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of Sharjah Corporation.

Banking products are provided by Bank of Sharjah, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of Sharjah Corporation.

Investment, insurance and annuity products:

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