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 circ*mstances 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 endorsem*nt. 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.
"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., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.
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 and a wholly owned subsidiary of BofA Corp.
Trust and fiduciary services are provided by Bank of America Private Bank, a division of 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.
Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp.
The mobile feature, Erica®, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance. Member FDIC.
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 |
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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The disclaimer outlines the risks associated with investing in securities, emphasizing the potential for financial loss. It stresses the importance of considering individual circ*mstances before acting on any information provided, highlighting the need for professional advice tailored to specific situations. The disclaimer further asserts that opinions expressed are subject to change, may not reflect the views of Bank of America, and advises that Bank of America doesn't assume liability for losses incurred from relying on the information presented.
The article also delineates Bank of America's various divisions and their roles in banking, global markets, investment banking, lending, derivatives, and commercial activities. It specifies entities like BofA Securities, Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., clarifying their functions as broker-dealers, members of regulatory bodies like SIPC and NFA, and their roles in offering investment products.
Additionally, it touches upon Bank of America Private Bank, offering trust and fiduciary services, and Merrill Lynch Life Agency Inc. providing insurance and annuity products. The disclaimer underscores that these products and services are not guaranteed by the FDIC, may lose value, and are not deposits or insured by any governmental agency.
The article concludes by noting that certain aspects, such as the Erica® mobile feature, are available in English only and require the latest mobile banking app version for select devices. It also highlights the potential costs related to messaging and data usage, alongside a disclaimer regarding recording and monitoring chats for quality assurance purposes.
The content emphasizes that the company's goals are aspirational and not definite guarantees, and the statistics and metrics in their ESG (Environmental, Social, and Governance) documents are estimations based on assumptions or evolving standards.
Understanding this intricately detailed information is vital for anyone considering investing or engaging with financial products and services offered by Bank of America or similar institutions. It highlights the importance of due diligence, tailored advice, and an awareness of potential risks before making any investment decisions.
