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This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

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Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “M L P F and S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“B of A Corp.”). M L P F and S is a registered broker-dealer, registered investment adviser, Member S I P C (Securities Investor Protection Corporation) and a wholly owned subsidiary of B of A Corp.

Trust and fiduciary services are provided by Bank of America, N A, Member F D I C, and a wholly-owned subsidiary of Bank of America Corporation (“B of A Corp.”). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (“M L L A”), a licensed insurance agency and wholly-owned subsidiary of B of A Corp..

Investment products offered through M L P F and S and insurance and annuity products offered through M L L A.

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Are Not a Condition to Any Banking Service or Activity

Bank of America Private Bank is a division of Bank of America, N A, Member F D I C and a wholly owned subsidiary of Bank of America Corporation (B of A Corp.).

"Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N A, Member F D I C. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, B of A Securities, Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, both of which are registered broker-dealers and Members of S I P C, and, in other jurisdictions, by locally registered entities. B of A Securities, Inc. is registered as a futures commission merchant with the C F T C and is a member of the N F A.

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Company goals are aspirational and not guarantees or promises that all goals will be met. Statistics and metrics included in our sustainability reports are estimates and may be based on assumptions or developing standards.

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Bank of America Newsroom

Press Releases

Bank of America Supports Canadian Red Cross Recovery Efforts Following Severe Wildfires

Bank of America Named to PEOPLE’s 100 Companies That Care List for Eighth Consecutive Year

As U S Cybercrime Losses Top twenty billion dollars, Bank of America Expands Fraud Education for Small Business Owners

From our 2025 Annual Report

A letter to shareholders from Chair and CEO, Brian Moynihan

From our 2025 Annual Report

A letter to shareholders from Chair and CEO, Brian Moynihan

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From our 2025 Annual Report

From our 2025 Annual Report

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