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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 “ 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, registered investment adviser, Member SIPC (Securities Investor Protection Corporation) and a wholly owned subsidiary of BofA Corp.

Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation (“BofA Corp.”). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (“MLLA”), a licensed insurance agency and wholly-owned subsidiary of BofA Corp.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA.

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"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 FDIC. 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, BofA Securities, Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. is registered as a futures commission merchant with the CFTC and is a member of the NFA.

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Bank of America to Participate in the UBS Financial Services Conference on February 11

BofA Names Michael T. Esposito President of Tampa Bay

Bank of America Names Maria Martinez to Board of Directors

Bank of America Declares First Quarter 2025 Stock Dividends

Bank of America Announces Redemption of $1,500,000,000 2.015% Fixed/Floating Rate Senior Notes, Due February 2026

Record $36 Million Raised for Charity at the 2024 Bank of America Chicago Marathon

Bank of America Announces Redemption of $1,500,000,000 Floating Rate Senior Notes, Due February 2026

Bank of America Declares Preferred Stock Dividends for First Quarter 2025

Bank of America Reports Fourth Quarter 2024 Financial Results

U.S. Soccer Federation and Bank of America Announce Transformative, Long-term Partnership

BofA’s Consumer Investments Surpasses $500 Billion in Assets as Clients Choose High-Tech, High Touch Approach to Managing Finances

Bank of America to Report Fourth Quarter 2024 Financial Results and Host Investor Conference Call on January 16

Merrill Launches Ultra-High-Net-Worth Advisory Group

Bank of America Announces Redemption of $2,000,000,000 3.366% Fixed/Floating Rate Senior Notes, Due January 2026

BofA Names Matt Reilly President of New Hampshire

Bank of America Announces Full Redemption of Its Series MM Preferred Stock and Related Depositary Shares

Republic of Ecuador Selects Bank of America for Sovereign Debt Conversion to Support Conservation in the Ecuadorian Amazon

Bank of America Declares Preferred Stock Dividends for First Quarter 2025

Event-Record 160,000 People Apply for the 2025 Bank of America Chicago Marathon

BofA’s CashPro® App Will Surpass a Record $1 Trillion in Payment Approvals for the Year

Paze Checkout Solution Makes Online Shopping Fast and Streamlined for BofA Clients This Holiday Season

Bank of America Chair and CEO Brian Moynihan to Participate in the Goldman Sachs Financial Services Conference on December 11

Bank of America builds on partnership with FIFA to become Official Partner of FIFA Club World Cup 2025™

BofA Global Research Expects 2025 to be a Year of Further Equity Market Strength Amid Macro Uncertainty

BofA Celebrates 20 Years of Neighborhood Builders

Bank of America Announces Redemption of $2,000,000,000 1.530% Fixed/Floating Rate Senior Notes, Due December 2025

BofA Names Ed Siaje President of Detroit

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