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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

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.

Content contained herein may have been produced by an outside party that is not affiliated with Bank of America or any of its affiliates (Bank of America). Opinions or ideas expressed are not necessarily those of Bank of America nor do they reflect their views or endorsement. These materials are for informational purposes only. Bank of America does not assume liability for any loss or damage resulting from anyone's reliance on the information provided. Certain links may direct you away from Bank of America to an unaffiliated site. Bank of America has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content. When you visit these sites, you are agreeing to all of their terms of use, including their privacy and security policies.

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.

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

Are Not Deposits

Are Not Insured by Any Governmental Agency

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 FDIC and a wholly owned subsidiary of Bank of America Corporation (BofA 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 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.

Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

Fees apply to wires and certain transfers. See the Online Banking Service Agreement for details. Data connection required. Carrier fees may apply.

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

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BofA Receives Top Rankings in Digital, Corporate Banking and Cash Management from Crisil Coalition Greenwich

BofA Recognized Globally for Digital Leadership and Commitment to Innovation

BofA Receives 19 Awards for Excellence from Euromoney Magazine

BofA Certified by J.D. Power for Outstanding Client Satisfaction with Customer Financial Health Support

BofA Unifies Mobile Apps for Banking, Investing, and Retirement Into One Personalized Digital Experience

BofA a Preeminent Leader in Greenwich Digital Transformation Benchmarking Study

BofA Global Research Named Top Global Equity Research Provider for 2023 by Institutional Investor

BofA Corporate, Global Commercial and Business Banking Services Earns J.D. Power Certification for 14th Consecutive Year

Bank of America Received Fifteen Awards for Excellence from Euromoney Magazine

Innovative Ways of Attracting and Serving Clients Draw Accolades for Merrill Wealth Management and Bank of America Private Bank

BofA Ranked No. 1 in the U.S. for Retail Banking Advice by J.D. Power

Celent Names BofA a Leader in Innovation, Personalization and Operational Excellence

BofA Merchant Services Again Ranked No. 1 by J.D. Power for Customer Satisfaction

BofA Tops Digital Channels Ranking as a 2022 Greenwich Leader

JUST Capital and CNBC Release Annual ‘JUST 100,’ the Only Comprehensive Ranking of How Corporations Perform on the American People’s Priorities

Bank of America Corporate, Global Commercial and Business Banking Services Earns J.D. Power Certification for the 13th Consecutive Year

Bank of America Named World’s Best Bank by Euromoney Magazine

Bank of America’s CashPro® App Wins Multiple Industry Awards

Celent Names Bank of America a Leader in Wealth Management Innovation

Bank of America Becomes First Financial Institution Certified by J.D. Power for Customer Satisfaction with Financial Health Support

Record 81% of Bank of America Mortgage Applications Initiated Through Digital Mortgage Experience

Bank of America Ranked No. 1 by J.D. Power for Customer Satisfaction With Merchant Services

Bank of America’s Andrea Smith Honored As 2021 Citizen of the Carolinas

HITEC Recognizes Bank of America as Corporation of the Year During the HITEC Awards Ceremony

Bank of America recognized as Top Global Bank on Fortune’s “Change the World” list

Bank of America Named Best Consumer Digital Bank in the United States by Global Finance

Bank of America Private Bank Named Best Private Bank in North America by Global Private Banker

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