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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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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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Bank of America Expands Regional Investment Banking Coverage, Adds Nine Key Senior Hires Across the U.S.

Merrill Managed Account Advisors Surpasses one trillion dollars, Celebrates twenty years of Innovation

BofA Study Finds Longevity and Accelerating Wealth Transfer Are Making Family Finances More Complex

BofA Names Chip McLeod Upstate South Carolina President

Merrill Advisors and Teams Earn Recognition Across Three 2026 Barron's Lists

BofA Names Breezy Adams Amarillo President

BofA Names Anthony DiBlasi San Diego President

Bank of America Outlook Sees Renewed Opportunity Across Commercial Real Estate, Farmland, Timberland and Energy

2,314 Merrill Advisors Recognized on the 2026 Forbes Best-in-State Wealth Advisor Lists, more than Any Other Firm

341 Merrill Advisors Recognized on the 2026 Barron’s “Top 1,500 Financial Advisors” List. Published on March 20, 2026. Ranking based on data as of September 30, 2025.

Bank of America Named number 1 Nonprofit O C I O Provider Globally in 2025

Merrill and Bank of America Private Bank Launch AI-Powered Meeting Journey

Zelle® and Bank of America Partner to Accelerate Delivery of Charitable Donations to Nonprofits

U.S. Art Market Rebounds, Posting a 23% Increase in Auction Sales

24 Merrill Advisors Recognized on Financial Planning’s Top 40 Brokers Under 40 List

Bank of America Launches Art Consulting Service

539 Merrill Advisors Recognized on Forbes’ Top Women Wealth Advisor Lists

Inside the Modern Family Office: Complexity, Innovation, and a Generational Shift

Affluent Americans Increase Donations by thirty percent Over Past Decade, Even as Fewer Give, Finds twenty twenty five B of A Study of Philanthropy

Merrill and Bank of America Private Bank Launch New Alternative Investments Program to Ultra-High-Net-Worth Clients

BofA Report: Percentage of Workers Seeking Near-Term Financial Guidance from Employers Doubles

BofA Recognized by Celent for Delivering Innovative Digital Experiences for Clients

BofA Names Gabby Hodgson President of Colorado

BofA Names Paul Keifer President of Grand Rapids

2025 Specialty Asset Management Outlook Released by Bank of America

BofA Names Jason Edelmann President of Fort Lauderdale

Bank of America Names Mark Kremers President of San Diego

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