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src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { 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class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneInvest" id="phoneInvest" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptInvest" id="apptInvest" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-book-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Education</p> <p class="txt-12 bold mb-0"><a name="infoInvest" id="infoInvest" class="lead-16" href="/investor-education">Build your knowledge with<br /> our insights and education</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:95px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2GNR" class="mega-nav" style="left:;"><div id="GNRcol1" class="fl nav mn-col1" style="left:;"><div id="col1GNRWrap" class="wrap" style="left:;"><div id="headSub1Col1GNR" class="heading" style="left:;" href="/guidance/tools">Financial Goal Planning</div><ul id="Sub1col1GNR" class="nl-a" style="left:;"><li id="nav1_sub1col1GNR" class="" style="left:;"><a 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href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li><li id="nav3_Sub1col2GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool">Retirement Account Selector Tool</a></li><li id="nav4_Sub1col2GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator">401(k) Rollover Calculator</a></li></ul></div></div><div id="GNR_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneGuide" id="phoneGuide" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptGuide" id="apptGuide" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing and Trading</p> <p class="txt-12 bold mb-0"><a name="infoGuide" id="infoGuide" class="lead-16" href="/investing">A full range of<br /> investment choices</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2Research" class="mega-nav" style="left:;"><div id="col1RES" class="fl nav mn-col1" style="left:;"><div id="wrapRES" class="wrap" style="left:;"><div id="headRES" class="heading" style="left:;">Solutions</div><ul id="Col1RES" class="nl-a" style="left:;"><li id="nav2_Col1RES" class="" style="left:;"><a href="/retirement/rollover-ira">Rollover</a></li><li id="nav5_Col1RES" class="" style="left:;"><a href="/retirement/traditional-ira">Traditional IRA</a></li><li id="nav4_Col1RES" class="" style="left:;"><a href="/retirement/roth-ira">Roth IRA</a></li></ul><div id="headCol1Sub1RES" class="heading mt-30" style="left:;">Retirement Resources</div><ul id="Col1Sub1RES" class="nl-a" style="left:;"><li id="nav1_Col1Sub1RES" class="" style="left:;"><a href="/retirement/retirement-income-planning">Income in Retirement</a></li><li id="nav2_Col1Sub1RES" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav3_Col1Sub1RES" class="" style="left:;"><a href="/retirement">Retirement Account Types</a></li><li id="nav4_Col1Sub1RES" class="" style="left:;"><a href="/guidance/tools/retirement">Retirement Tools</a></li></ul></div></div><div id="col2RES" class="fl nav mn-col2" style="left:;"><div id="wrap2RES" class="wrap" style="left:;"><div id="headRES2" class="heading" style="left:;" href="/research-and-insights">Small Business</div><ul id="Col2RES" class="nl-a" style="left:;"><li id="nav1_Col2RES" class="" style="left:;"><a href="/small-business/401k">Small Business 401(k)</a></li><li id="nav2_Col2RES" class="" style="left:;"><a href="/small-business/individual-401k">Individual 401(k)</a></li><li id="nav3_Col2RES" class="" style="left:;"><a href="/small-business/sep-ira">SEP IRA</a></li><li id="nav4_Col2RES" class="" style="left:;"><a href="/small-business/simple-ira">SIMPLE IRA</a></li><li id="nav5_Col2RES" class="" style="left:;"><a href="/small-business">View All Plans</a></li></ul></div></div><div id="l2Research_CMS" class="fl cms mn-col3" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneResearch" id="phoneResearch" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptResearch" id="apptResearch" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-target-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Financial Planning</p> <p class="txt-12 bold mb-0"><a name="infoResearch" id="infoResearch" class="lead-16" href="/guidance">Insights to help you<br /> plan for your goals</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2IE" class="mega-nav" style="left:;"><div id="EDUcol1" class="fl nav mn-col1" style="left:;"><div id="col1EDUWrap" class="wrap" style="left:;"><div id="headCol1EDU" class="heading" style="left:;">Investing Insights & Education</div><ul id="col1EDU" class="nl-a" style="left:;"><li id="nav1_col1EDU" class="" style="left:;"><a href="/investor-education">Overview</a></li><li id="nav2_col1EDU" class="" style="left:;"><a href="/guidance/start-investing">Get Started Investing</a></li><li id="nav3_col1EDU" class="" style="left:;"><a href="/investor-education/investing-basics">Investing Basics</a></li><li id="nav4_col1EDU" class="" style="left:;"><a href="/investor-education/advanced-investing">Advanced Investing</a></li><li id="nav5_col1EDU" class="" style="left:;"><a href="/research/perspectives">Market & Investing Insights</a></li></ul></div></div><div id="EDUcol2" class="fl nav mn-col2" style="left:;"><div id="col2EDUWrap" class="wrap" style="left:;"><div id="headCol2EDU" class="heading" style="left:;" href="/investor-education">Product Education</div><ul id="col2EDU" class="nl-a" style="left:;"><li id="nav3_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-stocks">Stocks</a></li><li id="nav5_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li><li id="nav4_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-etfs">ETFs</a></li><li id="nav6_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li><li id="nav2_col2EDU" class="" style="left:;"><a href="/investor-education/options-education">Options</a></li></ul></div></div><div id="l2IE_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:162px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneEd" id="phoneEd" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptEd" id="apptEd" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-award-ribbon-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Solutions</p> <p class="txt-12 bold mb-0"><a name="infoEd" id="infoEd" class="lead-16" href="/why-merrill ">Explore the advantages<br /> of investing with Merrill</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2OAA" class="mega-nav" style="left:;"><div id="OAA_CMS" class="fl cms mn-col1" style="left:;"><div class="wrap" style="padding-bottom:160px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneOAO" id="phoneOAO" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptOAO" id="apptOAO" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div><div id="OAAcol1" class="fl nav mn-col2" style="left:;"><div id="col1OAAWrap" class="wrap" style="left:;"><div id="headCol1OAA" class="heading" style="left:;">General Investing</div><ul id="col1OAA" class="nl-a" style="left:;"><li id="nav1_col1OAA" class="" style="left:;"><a href="/global-oao">Account Options</a></li><li id="nav2_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=IndividualCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Individual Investing Account</a></li><li id="nav3_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=JointCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Joint Investing Account</a></li><li id="nav4_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Custodial Investing Account</a></li></ul><div id="headSubCol1OAA" class="heading mt-30" style="left:;">Retirement Accounts</div><ul id="subcol1OAA" class="nl-a" style="left:;"><li id="nav1_subcol1OAA" class="" style="left:;"><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=global_nav_acct_sel&oaounit=rollover_link&oaocampaign=baseline&oaoterm=rollover_baseline">Rollover</a></li><li id="nav2_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Traditional IRA</a></li><li id="nav3_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=RothIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Roth IRA</a></li></ul><div id="headSubCol4OAA" class="heading mt-30" style="left:;">Inherited IRA</div><ul id="subcol4OAA" class="nl-a" style="left:;"><li id="nav1_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=TraditionalIRA">Traditional Inherited IRA</a></li><li id="nav2_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=RothIRA">Roth Inherited IRA</a></li></ul></div></div><div id="OAAcol2" class="fl nav mn-col3" style="left:;"><div id="col2OAAWrap" class="wrap" style="left:;"><div id="headCol2OAA" class="heading" style="left:;">College Planning Accounts</div><ul id="col2OAA" class="nl-a" style="left:;"><li id="nav1_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/SubAccountTypeA.aspx?_tps=76a2df6657eb4727924724805b48aaa0">529 College Savings Plans</a></li><li id="nav2_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=76a2df6657eb4727924724805b48aaa0">Custodial UGMA/UTMA Accounts</a></li></ul><div id="headSubCol2OAA" class="heading mt-30" style="left:;">Managed Portfolios</div><ul id="Subcol2OAA" class="nl-a" style="left:;"><li id="nav1_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Merrill Guided Investing</a></li><li id="nav2_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Invest with an Advisor</a></li></ul></div></div><div id="OAAcol3" class="fl nav mn-col4" style="left:;"><div id="col3OAAWrap" class="wrap" style="left:;"><div id="headSubCol3OAA" class="heading" style="left:;">Small Business Accounts</div><ul id="colSub3OAA" class="nl-a" style="left:;"><li id="nav1_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Small Business 401(k)</a></li><li id="nav2_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Individual 401(k)</a></li><li id="nav3_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SEPIRA">SEP IRA</a></li><li id="nav4_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SimpleIRA">SIMPLE IRA</a></li><li id="nav5_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/BIAAccountApplicationandAgreement.pdf">Business Investor Account</a></li></ul><div id="headCol3OAA" class="heading mt-30" style="left:;">Simple Flat-Rate Pricing</div><ul id="col3OAA" class="nl-a" style="left:;"><li id="nav1_col3OAA" class="" style="left:;"><a href="/pricing">lnvesting Costs & Fees</a></li></ul></div></div></div></div> </div> <div id="dvClearHeader">  </div> <div id="contentArea" > <div class="site-stage"> <input name="ctl00$ctl00$siteContent$MainContent$PageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_PageNameField" value="preferred-rewards" /><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div class="pt-wrap"><div id="dvPageTitle"><div id="ctl00_ctl00_siteContent_MainContent_cphL2HeaderZone" class="cphL2HeaderZone"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1"><div 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background-position:center 28px; } a#renoGoal { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-hammer-grey-small.png); background-position:center 30px; } a#budgetGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable-white.png); background-size:34px auto; } a#retirementGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-retirement-nest-egg-scalable-white.png); background-size:34px auto; } a#purchaseGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-scalable-white.png); background-size:34px auto; } a#homeGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-house-home-scalable-white.png); background-size:38px auto; } a#creditGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-card-scalable-white.png); background-size:34px auto; } a#travelGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-travel-airplane-scalable-white.png); background-size:34px auto; } a#carGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-auto-car-scalable-white.png); background-size:34px auto; } a#renoGoal.selected { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-hammer-scalable-white.png); background-size:30px auto; } .scrollNav { display:none; } .rewardFlex { display:flex; flex-wrap:wrap; margin:0 auto; justify-content:space-between; } .rewardCard, .placeholder { background-color:#fff; border: 1px solid #d5d5d5; border-radius: 12px; box-sizing:border-box; margin:0 0 24px 0; max-width:294px; min-height:236px; padding:24px; width:100%; } .placeholder { min-height:1px; max-height:1px; margin:0; padding:0; visibility:hidden; } .filtered { display:block; } .rcContent { border-top:4px solid; padding:24px 12px 0 12px; width:auto; } .rewardCard.gold .rcContent { border-color:#E0A526; } .rewardCard.plat .rcContent { border-color:#BEB6AF; } .rewardCard.platHonors .rcContent { border-color:#60554D; } .rewardCard.diamond .rcContent { border-color:#001F6D; } .rewardFlex.platOrder #bankMod { order:0; } .rewardFlex.platOrder #creditMod { order:1; } .rewardFlex.platOrder #serviceMod { order:2; } .rewardFlex.platOrder #atmMod { order:3; } .rewardFlex.platOrder #depositsMod { order:4; } .rewardFlex.platOrder #foreignMod { order:5; } .rewardFlex.platOrder #autoMod { order:6; } .rewardFlex.platOrder #mortgageMod { order:7; } .rewardFlex.platOrder #equityMod { order:8; } .rewardFlex.platOrder #savingsMod { order:9; } .rewardFlex.platOrder #mgiMod { order:10; } .rewardFlex.platOrder .placeholder { order:11; } .rewardFlex.platHonorsOrder #bankMod { order:0; } .rewardFlex.platHonorsOrder #creditMod { order:1; } .rewardFlex.platHonorsOrder #atmMod { order:2; } .rewardFlex.platHonorsOrder #serviceMod { order:3; } .rewardFlex.platHonorsOrder #depositsMod { order:4; } .rewardFlex.platHonorsOrder #foreignMod { order:5; } .rewardFlex.platHonorsOrder #autoMod { order:6; } .rewardFlex.platHonorsOrder #mortgageMod { order:7; } .rewardFlex.platHonorsOrder #equityMod { order:8; } .rewardFlex.platHonorsOrder #savingsMod { order:9; } .rewardFlex.platHonorsOrder #mgiMod { order:10; } .rewardFlex.platHonorsOrder .placeholder { order:11; } .rewardFlex.diamondOrder #lifestyleMod { order:0; } .rewardFlex.diamondOrder #bankMod { order:1; } .rewardFlex.diamondOrder #atmMod { order:2; } .rewardFlex.diamondOrder #creditMod { order:3; } .rewardFlex.diamondOrder #serviceMod { order:4; } .rewardFlex.diamondOrder #depositsMod { order:5; } .rewardFlex.diamondOrder #foreignMod { order:6; } .rewardFlex.diamondOrder #travelMod { order:7; } .rewardFlex.diamondOrder #mortgageMod { order:8; } .rewardFlex.diamondOrder #equityMod { order:9; } .rewardFlex.diamondOrder #autoMod { order:10; } .rewardFlex.diamondOrder #savingsMod { order:11; } .rewardFlex.diamondOrder #mgiMod { order:12; } .rewardFlex.diamondOrder .placeholder { order:13; } .rewardCard h3 { font-size:14px; font-weight:400; padding:0 0 5px 0; } .rcNumber { font-size:28px; padding:0 0 10px 0; } .rcText { font-size:16px; line-height:1.5; max-width:215px; } .rcDisc { font-size:12px; padding:10px 0 0 0; } .manageFlex { align-items:center; background-image: url(/Publish/Content/image/png/GWMOL/ME-flag-bg-grey-1440x692.png); background-repeat:no-repeat; background-position:center bottom; box-sizing:border-box; display:flex; height:730px; justify-content:space-between; position:static; } .manageText { max-width:640px; width:50%; } .wrapper-2 .manageFlex h2 { padding:20px 0; } .manageImage { align-items:flex-start; display:flex; justify-content:flex-start; height:730px; max-width:608px; width:50%; } .manageImage img { height:auto; max-width:608px; width:100%; } .phonesDesk { display:block; } .phonesMobile { display:none; } ul.prodList { list-style-type: none; padding: 0; margin: 0; } ul.prodList li { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-checkmark-red-scalable.png); background-repeat: no-repeat; background-position: left center; background-size: 25px auto; font-size: 16px; line-height: 1.5; padding: 0 0 0 45px; } ul.prodList li:last-of-type { margin:0; } .diamondShell { align-items:flex-end; background-image:url(/Publish/Content/image/jpeg/GWMOL/ME-preferred-rewards-diamond-bg-desktop.jpeg); background-repeat:no-repeat; display:flex; flex-direction:column; height:512px; text-align:right; } .wrapper-2 .diamondShell h2 { max-width:505px; padding:100px 0 15px 0; } .diamondBlurb { font-size:16px; line-height:1.5; max-width:505px; padding:0 0 30px 0; } .diamondShell .cta.orange.m { background:#f1f1f1; border:1px solid #012169; color:#012169; font-size: 16px; font-weight:500; margin: 0 0 15px 0; } .diamondShell a.cta.orange.m:hover { border-color:#0052c2; } .wrapper-2 .trioShell h2 { padding:100px 0 35px; text-align:center; } .trioFlex { display:flex; margin:0 auto 24px auto; max-width:1036px; } .trioFlex > div { background-repeat:no-repeat; background-position:center 40px; border:1px solid #d5d5d5; box-sizing:border-box; display:flex; flex-direction:column; padding:110px 20px 40px 20px; text-align:center; width:50%; } .trioBOA { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-accounts-dollar-scalable.png); background-size:40px auto; margin:0 24px 0 0; } .trioPR { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-preferred-rewards-star-scalable.png); background-size:32px auto; } .wrapper-2 .trioShell h3 { font-size:20px; font-weight:500; margin:0 0 10px 0; } .trioBlurb { font-size:16px; line-height:1.5; margin:0 auto 30px auto; } .trioBOA .trioBlurb { max-width:300px; } .trioPR .trioBlurb { max-width:380px; } .trioFlex .cta.orange.m { box-sizing:border-box; margin:auto auto 0 auto; max-width:294px; text-align:center; width:100%; } .trioMax { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png); background-position:center 40px; background-repeat:no-repeat; background-size:40px auto; border:1px solid #d5d5d5; box-sizing:border-box; font-size:14px; margin:0 auto 110px auto; max-width:1036px; padding:105px 20px 40px 20px; text-align:center; } .maxBlurb { line-height:1.5; margin:0 auto 15px auto; max-width:590px; } .mgiFaqBg { background-color:#F5F5F5; background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-flag-bg-grey-1440x1927.jpeg); background-repeat:no-repeat; background-size:100% 100%; } .mgiFaqs { font-size:16px; padding:100px 0 96px 0; } .wrapper-2 .mgiFaqs h2 { padding:0 0 20px 0; } .wrapper-2 .mgiFaqs h3 { color:#000; font-family: 'connections',Arial,Helvetica,sans-serif; font-size:20px; font-weight:500; line-height:1.5; margin:0; } .wrapper-2 .mgiFaqs .acd-a-open h3 { margin:0 0 30px 0; } .mgiFaqs .jq_expColAll { font-size:14px; font-weight: 600; } .mgiFaqs .acd-a { margin:0; } .mgiFaqs .acd-a .acd-a-cmd { display:flex; justify-content:flex-end; margin: 0 0 25px 0; padding:0 0 0 50px; } .mgiFaqs a.acd-a-head { color:#000; } .mgiFaqs .acd-a .acd-a-head { background-image:none; padding:0; } .mgiFaqs .acd-a .acd-a-open .acd-a-head { color:#000; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { background-color:#fff; background-position:right 35px top 35px; background-repeat:no-repeat; border-radius:12px; margin:0 0 24px 0; padding:25px 110px 25px 32px; } .mgiFaqs .acd-a .acd-a-open { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-up.png); } .mgiFaqs .acd-a .acd-a-close { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-open.png); } .mgiFaqs .acd-a .acd-a-open:last-of-type, .mgiFaqs .acd-a .acd-a-close:last-of-type { margin:0; } .mgiFaqs .acd-a .acd-a-content { color:#333; line-height:1.5; padding:0 0 15px 0; } .mgiFaqs ul.prodList li { background-position: left 5px; background-size:24px auto; font-size:inherit; min-height:26px; padding: 0 0 0 44px; } #etdisclosure { display:block; font-size:14px; color:#646464; padding:50px 0; } @media only screen and (max-width: 1439px) {/* viewport up to 1439px */ .rewardFlex { max-width:930px; } .tierCardFlex { max-width:612px; } .wrapper-2 .manageFlex h2 { max-width:400px; } } @media only screen and (max-width: 1325px) {/* viewport up to 1325px */ .wrapper-3 { padding:0 40px; } } @media only screen and (max-width: 1200px) {/* viewport up to 1200px */ .tierCardShell { margin:0 0 44px 0; } .wrapper-2 .tierCardShell h2 { padding:0 0 15px 0; } #goalsFlex { margin:0 -40px; overflow-x: auto; padding:20px 20px 40px 20px; } /* Hide scrollbar for Chrome, Safari and Opera */ #goalsFlex::-webkit-scrollbar { display: none; } /* Hide scrollbar for IE, Edge and Firefox */ #goalsFlex { -ms-overflow-style: none; /* IE and Edge */ scrollbar-width: none; /* Firefox */ } .scrollNav { display:block; justify-content:space-between; margin:0 auto; position:relative; width:75px; } .scrollNav a { background-repeat:no-repeat; display:inline-block; height:12px; position:absolute; width:8px; top:-25px; z-index:9; } .scrollNav a:hover { opacity: .5; text-decoration:none; } .scrollNav a.left { background-image:url(/Publish/Content/image/png/GWMOL/acd-c-left.png); left:0; } .scrollNav a.right { background-image:url(/Publish/Content/image/png/GWMOL/acd-c-close.png); right:0; } .diamondShell { background-position:-200px 0; } .diamondBlurb { max-width:430px; } } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #TMoseSiteheader { display:none; } #ctl00_ctl00_siteContent_navHeader { display:none; } #pageTitle { display:none; } #dvFooter { display:none; } .wrapper-3 { padding:0 20px; } .wrapper-2 h2 { font-size:30px; } .prodOffer2 > div { font-size:18px; } .prBanner { padding:40px 0 0 0; } .prBanner h1 img { max-width:190px; } .prBanner h1 { padding: 0 0 25px 0; } .wrapper-2 .prBanner h2 { font-size:36px; padding:0 0 30px 0; } #goalsFlex { margin:0 -20px; } .manageFlex { height:692px; } .wrapper-2 .manageFlex h2 { max-width:390px; padding:0 0 20px 0; } .manageImage { align-items:center; height:692px; } .diamondShell { align-items:flex-start; background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-preferred-rewards-diamond-bg-tablet.jpeg); background-position:right top; text-align:left; } .trioFlex { margin:0 auto 12px auto; } .trioBOA { margin:0 12px 0 0; } .wrapper-2 .trioShell .trioBOA h3 { margin:0 auto 10px auto; max-width:250px; } .mgiFaqs { font-size:14px; padding:45px 0 55px 0; } .wrapper-2 .mgiFaqs h2 { padding:0 0 25px 0; } .mgiFaqs .acd-a .acd-a-cmd { margin: 0 0 20px 0; } .wrapper-2 .mgiFaqs h3 { font-family:arial, helvetica, sans-serif; font-size:14px; font-weight:600; } .wrapper-2 .mgiFaqs .acd-a-open h3 { margin:0 0 25px 0; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { background-position:right 25px top 33px; margin:0 0 16px 0; padding: 28px 40px 28px 16px; } .mgiFaqs .acd-a .acd-a-content { padding:0; } .mgiFaqs ul.prodList li { background-position: left 2px; min-height:22px; padding: 0 0 0 36px; } #etdisclosure { padding:30px 0; } #etfooter { display:block; font-size:12px; color:#524940; background: #f0f0f0; padding: 30px 20px 30px 20px; } } @media only screen and (max-width: 969px) {/* viewport up to 969px */ .rewardFlex { max-width:612px; } } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .linkDesk { display:none;} .linkMobile { display:inline;} .shareDesk { display:none; } .shareMobile { display:block; } .wrapper-2 h2 { font-size:28px; } .wrapper-3 { padding:0 12px; } .prBanner { background-position: right -315px top; } .bannerFlex { display:block; } .bannerFlex .cta.orange.m { margin:0 0 25px 0; } .prodOffer2 { padding:0 16px; } .wrapper-2 .prodOffer2 h2 { font-size:20px; font-weight:500; line-height:1.4; padding:0 0 15px 0; } .prodOffer2 > div { font-size:16px; } .tierCardShell { background-size: 100% 105px; } .tierCardFlex { flex-direction:column; max-width:400px; padding:50px 0 16px 0; } a.tierCard { background-position:30px 25px; background-size:50px auto; margin:0 0 12px 0; max-width:400px; padding:20px 30px 20px 105px; text-align:left; } a.tierCard.selected:after, a.tierCard.selected:before { border:0; } .tierAve { margin:0; max-width:100%; } .wrapper-2 .tierCardShell h2 { font-size:14px; } #goalsFlex { margin:0 -12px; } .manageFlex { align-items:flex-start; background-size:cover; flex-direction:column; height:auto; } .manageText { padding:45px 0 30px 0; width:auto; } .wrapper-2 .manageFlex h2 { max-width:450px; } .manageImage { align-items:flex-start; height:auto; justify-content:flex-end; padding:0 0 40px 0; max-width:100%; width:100%; } .diamondShell { background-position:right -70px top 0; } .wrapper-2 .diamondShell h2 { max-width:75%; padding:40px 0 15px 0; } .diamondBlurb { max-width:60%; } .wrapper-2 .trioShell h2 { padding:45px 0 30px; } .trioFlex { flex-direction:column; } .trioFlex > div { max-width:400px; width:100%; } .trioBOA { margin:0 auto 15px auto; } .trioPR { margin:0 auto; } .trioMax { max-width:400px; margin:0 auto 40px auto; } .wrapper-2 .mgiFaqs h3 { max-width:85%; } } @media only screen and (max-width: 640px) {/* viewport up to 640px */ .tierCardShell { margin:0 0 44px 0; } .rewardCard { padding:16px 16px 30px 16px; min-height:initial; margin:0 0 16px 0; max-width:48%; } a.prGoal { background-size:25px auto; height:104px; padding: 50px 10px 0 10px; width:104px; } a#budgetGoal, a#retirementGoal, a#purchaseGoal, a#homeGoal, a#travelGoal, a#renoGoal { background-position:center 15px; } a#creditGoal { background-position:center 20px; } a#carGoal { background-position:center 18px; } a#budgetGoal.selected, a#retirementGoal.selected, a#purchaseGoal.selected, a#homeGoal.selected, a#creditGoal.selected, a#travelGoal.selected, a#carGoal.selected, a#renoGoal.selected { background-size:25px auto; } .placeholder { display:none; } .rcContent { padding:24px 8px 0 8px; } .rewardCard h3 { font-size:12px; } .rcNumber { font-size:20px; } .rcText { font-size:14px; } } @media only screen and (max-width: 568px) {/* viewport up to 568px */ .prodOffer1 { height:200px; } .prodOffer2 { height:240px; } } @media only screen and (max-width: 480px) {/* viewport up to 480px */ .prodOffer1 { height:220px; } .prodOffer2 { height:260px; } .wrapper-2 .prodOffer2 h2 { margin:0 auto; max-width:365px; } .wrapper-2 .manageFlex h2 { max-width:360px; } .wrapper-2 .trioShell h2 { margin:0 auto; max-width:310px; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .prBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-preferred-rewards-banner-bg-mobile.jpeg); background-position:right top; height:514px; } .wrapper-2 .tierCardShell h2 { font-size:12px; } .wrapper-3.manageFlex { padding:0;} .manageText { padding:45px 12px 30px 12px; width:auto; } .manageImage { flex-direction:row; justify-content:flex-end; padding:0 0 40px 33px; width:auto; } .manageImage img { max-width:381px; } .phonesDesk { display:none; } .phonesMobile { display:block; } .diamondShell { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-preferred-rewards-diamond-bg-mobile.jpeg); background-position:right top; } .wrapper-2 .diamondShell h2 { max-width:300px; } .diamondShell .cta.orange.m { background-color: rgba(255,255,255,0.5); } .trioFlex > div, .trioMax { padding:35px 20px 40px 85px; text-align:left; } .wrapper-2 .trioShell .trioBOA h3 { margin: 0 0 15px 0; } .trioFlex .trioBOA { background-position:23px 39px; } .trioFlex .trioPR { background-position:27px 38px; } .trioMax { background-position:24px 38px; } .trioBlurb { margin:0 auto 10px auto; } .trioFlex .cta.orange.m { height:33px; line-height:33px; } .mgiFaqBg { background-image:none; } .wrapper-2 .mgiFaqs h3 { font-size:13px; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { padding:28px 25px 28px 16px; } } @media only screen and (max-width: 412px) {/* viewport up to 412px */ .prodOffer1 { height:240px; } .prodOffer2 { height:280px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ .prodOffer2 > div, .prodOffer2 > div.prodOfferPR { font-size:14px; } .tierRange { font-size:22px; } .manageImage { padding:0 0 40px 12px; } .trioFlex > div, .trioMax { padding:35px 20px 40px 55px;} .trioFlex .trioBOA { background-position:13px 39px; background-size:30px auto; } .trioFlex .trioPR { background-position:17px 38px; background-size:22px auto; } .trioMax { background-position:14px 38px; background-size:30px auto; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .wrapper-2 .prBanner h2 { font-size:10vw; } .bannerFlex { font-size:14px; } .tierRange { font-size:20px; } .rewardCard { padding:16px 16px 25px 16px; } .rcContent { padding:24px 4px 0 4px; } .wrapper-2 .manageFlex h2, .wrapper-2 .mgiFaqs h2 { font-size:7.8vw; } } @media only screen and (max-width: 320px) {/* viewport up to 320px */ .tierRange { font-size:18px; } .tierAve { font-size:14px; } .rewardCard { max-width:100%; padding:16px 16px 20px 16px; } .rcNumber { font-size:18px; } } </style> <script> // Preloads background images var pic1 = new Image(); var pic2 = new Image(); var pic3 = new Image(); var pic4 = new Image(); var pic5 = new Image(); var pic6 = new Image(); var pic7 = new Image(); var pic8 = new Image(); pic1.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable-white.png"; pic2.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-retirement-nest-egg-scalable-white.png"; pic3.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-scalable-white.png"; pic4.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-house-home-scalable-white.png"; pic5.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-card-scalable-white.png"; pic6.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-travel-airplane-scalable-white.png"; pic7.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-auto-car-scalable-white.png"; pic8.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-hammer-scalable-white.png"; $GE.JQ(function() { // Tier filtering and goals resetting $('a.tierCard').click(function () { var tierID = ($(this).attr('id')); var tierClass = tierID.slice(0, -4); var numItems = $('.prGoal.selected').length; console.log(tierClass); console.log(numItems); // Changes card order for Platinum Honors tier if (tierClass === 'plat') { $('.rewardFlex').addClass('platOrder'); } else { $('.rewardFlex').removeClass('platOrder'); } // Changes card order for Platinum Honors tier if (tierClass === 'platHonors') { $('.rewardFlex').addClass('platHonorsOrder'); } else { $('.rewardFlex').removeClass('platHonorsOrder'); } // Changes card order for Diamond tier if (tierClass === 'diamond') { $('.rewardFlex').addClass('diamondOrder'); } else { $('.rewardFlex').removeClass('diamondOrder'); } // Scrolls page to goals at mobile widths if (window.matchMedia('(max-width: 760px)').matches) { window.location.href = "#goalsTop"; } if (numItems > 0) { // Continues goal filtering if at least one goal is selected $('.goalsHL').addClass('hide').removeClass('show'); $('.goalsClear').addClass('show').removeClass('hide'); $('.tierCard').not(tierClass).removeClass('selected'); $('.tierCard.' + tierClass).addClass('selected'); $('.tierCard .coda').not(tierClass).html(''); $('.tierCard.' + tierClass + ' .coda').html(' selected'); $('.rewardCard').removeClass('show'); $('.rewardCard').removeClass('gold plat platHonors diamond').addClass(tierClass); $('.rcContent > span').not(tierClass).addClass('hide').removeClass('show'); $('.rcContent > span.' + tierClass).addClass('show').removeClass('hide'); $('.rcNumber').not(tierClass).addClass('hide').removeClass('show'); $('.rcNumber.' + tierClass).addClass('show').removeClass('hide'); $('.rcText').not(tierClass).addClass('hide').removeClass('show'); $('.rcText.' + tierClass).addClass('show').removeClass('hide'); // For modules excluded from some tiers if (tierClass === 'gold') { $('#atmMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass !== 'gold')) { $('#atmMod').addClass('filtered show').removeClass('hide'); } if ((tierClass === 'gold') || (tierClass === 'plat') || (tierClass === 'platHonors')) { $('#lifestyleMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass === 'diamond')) { $('#lifestyleMod').addClass('filtered show').removeClass('hide'); } if ((($('#travelGoal').hasClass('selected'))) && (tierClass === 'diamond')) { $('#travelMod').addClass('filtered show').removeClass('hide'); } } else { // Resets goal filtering $('.rewardCard').removeClass('filtered').addClass('hide'); $('a.prGoal').removeClass('selected'); $('a.prGoal .coda').html(' goals'); // Tier filtering $('.goalsHL').addClass('show').removeClass('hide'); $('.goalsClear').addClass('hide').removeClass('show'); $('.tierCard').not(tierClass).removeClass('selected'); $('.tierCard.' + tierClass).addClass('selected'); $('.tierCard .coda').not(tierClass).html(''); $('.tierCard.' + tierClass + ' .coda').html(' selected'); $('.rewardCard').removeClass('hide'); $('.rewardCard').removeClass('gold plat platHonors diamond').addClass(tierClass); $('.rcContent > span').not(tierClass).addClass('hide').removeClass('show'); $('.rcContent > span.' + tierClass).addClass('show').removeClass('hide'); $('.rcNumber').not(tierClass).addClass('hide').removeClass('show'); $('.rcNumber.' + tierClass).addClass('show').removeClass('hide'); $('.rcText').not(tierClass).addClass('hide').removeClass('show'); $('.rcText.' + tierClass).addClass('show').removeClass('hide'); // For modules excluded from some tiers if (tierClass === 'gold') { $('#atmMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass !== 'gold')) { $('#atmMod').addClass('filtered show').removeClass('hide'); } if ((tierClass === 'gold') || (tierClass === 'plat') || (tierClass === 'platHonors')) { $('#lifestyleMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass === 'diamond')) { $('#lifestyleMod').addClass('filtered show').removeClass('hide'); } if ((($('#travelGoal').hasClass('selected'))) && (tierClass === 'diamond')) { $('#travelMod').addClass('filtered show').removeClass('hide'); } } }); // Goal filtering $('a.prGoal').click(function () { var goalID = ($(this).attr('id')); var goalClass = goalID.slice(0, -4); var tierID = ($('a.tierCard.selected').attr('id')); var tierClass = tierID.slice(0, -4); var numItems = $('.prGoal.selected').length + 1; console.log(tierClass + ' ' + goalClass); console.log(numItems); if ($(this).hasClass('selected')) { $(this).removeClass('selected'); $(this).find('.coda').html(' goals'); $('.rewardCard.' + goalClass).addClass('hide').removeClass('filtered'); $('.goalsCount').html(numItems - 2); if (numItems === 2) { $('.goalsHL').addClass('show').removeClass('hide'); $('.goalsClear').addClass('hide').removeClass('show'); $('a.prGoal').removeClass('selected'); $('a.prGoal .coda').html(' goals'); $('.rewardCard.' + tierClass).removeClass('filtered hide').addClass('show'); // For modules excluded from some tiers if (tierClass === 'gold') { $('#atmMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass !== 'gold')) { $('#atmMod').addClass('filtered show').removeClass('hide'); } if ((tierClass === 'gold') || (tierClass === 'plat') || (tierClass === 'platHonors')) { $('#lifestyleMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass === 'diamond')) { $('#lifestyleMod').addClass('filtered show').removeClass('hide'); } if ((($('#travelGoal').hasClass('selected'))) && (tierClass === 'diamond')) { $('#travelMod').addClass('filtered show').removeClass('hide'); } } else { var goalData = ($('.prGoal.selected')); for (let i = 0; i < goalData.length; i++) { var goalID = goalData[i].id; var goalClass = goalID.slice(0, -4); var tierID = ($('a.tierCard.selected').attr('id')); var tierClass = tierID.slice(0, -4); $('.rewardCard.' + goalClass + '.' + tierClass).addClass('filtered').removeClass('hide show'); $('.rewardCard').not('.filtered').addClass('hide').removeClass('show'); // For modules excluded from some tiers if (tierClass === 'gold') { $('#atmMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass !== 'gold')) { $('#atmMod').addClass('filtered show').removeClass('hide'); } if ((tierClass === 'gold') || (tierClass === 'plat') || (tierClass === 'platHonors')) { $('#lifestyleMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass === 'diamond')) { $('#lifestyleMod').addClass('filtered show').removeClass('hide'); } if ((($('#travelGoal').hasClass('selected'))) && (tierClass === 'diamond')) { $('#travelMod').addClass('filtered show').removeClass('hide'); } } } } else { $(this).addClass('selected'); $(this).find('.coda').html(' goals selected'); $('.rewardCard.' + goalClass + '.' + tierClass).addClass('filtered').removeClass('hide show'); $('.rewardCard').not('.filtered').addClass('hide').removeClass('show'); $('.goalsHL').addClass('hide').removeClass('show'); $('.goalsClear').addClass('show').removeClass('hide'); $('.goalsCount').html(numItems); // For modules excluded from some tiers if (tierClass === 'gold') { $('#atmMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass !== 'gold')) { $('#atmMod').addClass('filtered show').removeClass('hide'); } if ((tierClass === 'gold') || (tierClass === 'plat') || (tierClass === 'platHonors')) { $('#lifestyleMod').removeClass('filtered show').addClass('hide'); $('#travelMod').removeClass('filtered show').addClass('hide'); } if (((($('#budgetGoal').hasClass('selected')) || ($('#travelGoal').hasClass('selected')))) && (tierClass === 'diamond')) { $('#lifestyleMod').addClass('filtered show').removeClass('hide'); } if ((($('#travelGoal').hasClass('selected'))) && (tierClass === 'diamond')) { $('#travelMod').addClass('filtered show').removeClass('hide'); } } }); // Clears goal filtering $('a#clearGoals').click(function () { var tierID = ($('a.tierCard.selected').attr('id')); var tierClass = tierID.slice(0, -4); $('.goalsHL').addClass('show').removeClass('hide'); $('.goalsClear').addClass('hide').removeClass('show'); $('a.prGoal').removeClass('selected'); $('a.prGoal .coda').html(' goals'); $('.rewardCard.' + tierClass).removeClass('filtered hide').addClass('show'); }); // Scrolls goals right at mobile widths document.getElementById("right1").addEventListener("click", function() { $('#goalsFlex').animate({ scrollLeft: "+=375px" }, "slow"); }); // Scrolls goals left at mobile widths document.getElementById("left1").addEventListener("click", function() { $('#goalsFlex').animate({ scrollLeft: "-=375px" }, "slow"); }); // FAQ accordion scripts $(".jq_expColAll").click(function () { if ($(this).html() == "Expand all") { $(this).html("Collapse all"); $(this).parent().parent().find(".acd-a-close").addClass("acd-a-open").removeClass("acd-a-close"); } else { $(this).html("Expand all"); $(this).parent().parent().find(".acd-a-open").removeClass("acd-a-open").addClass("acd-a-close"); } if ($(".acd-a-shell").hasClass('acd-a-open')) { $(".acd-a-shell").find(".acd-a-head").attr("aria-expanded", "true"); $(".acd-a-shell").find(".acd-a-content").attr("aria-hidden", "false"); } else { $(".acd-a-shell").find(".acd-a-head").attr("aria-expanded", "false"); $(".acd-a-shell").find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-open, .acd-a-close").on('click', function (event) { if ($(this).parent().parent().hasClass('jq_oneAtATime')) { $(this).parent().children().addClass('acd-a-close').removeClass('acd-a-open'); $(this).addClass('acd-a-open').removeClass('acd-a-close'); } else { $(this).toggleClass("acd-a-close").toggleClass("acd-a-open"); } if ($(this).hasClass('acd-a-open')) { $(this).find(".acd-a-head").attr("aria-expanded", "true"); $(this).find(".acd-a-content").attr("aria-hidden", "false"); } else { $(this).find(".acd-a-head").attr("aria-expanded", "false"); $(this).find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-content a").click(function (e) { e.stopPropagation(); }); // Transcript 1 ==================================================== $("a#transcriptLink1a").click(function () { $(".transcriptContent.TC1").toggle("slow"); $("#transcriptLink1a").toggleClass("show-hide-close"); if ($("#transcriptLink1a").hasClass("show-hide-close")) { $("#transcriptLink1a").attr("aria-expanded", "true"); $("#transcriptLink1a").html("<span class='plusMinus'>[-]</span> Close transcript"); } else { $("#transcriptLink1a").attr("aria-expanded", "false"); $("#transcriptLink1a").html("<span class='plusMinus'>[+]</span> View transcript"); } }); $("a#transcriptLink1b").click(function () { $(".transcriptContent.TC1").toggle("slow"); $("#transcriptLink1a").removeClass("show-hide-close"); $("#transcriptLink1a").attr("aria-expanded", "false"); $("#transcriptLink1a").html("<span class='plusMinus'>[+]</span> View transcript"); }); }); </script>   <style> body:after { position:absolute; width:0; height:0; overflow:hidden; z-index:-1; content: url(/Publish/Content/image/png/GWMOL/acd-c-small-left-white.png) url(/Publish/Content/image/png/GWMOL/acd-c-open.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-blue.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-white.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-close.png) url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png) url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-calendar.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-phone.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-help.png); } #etheader { display:none; } .spaced { display:none; } .menuShell { align-items:center; display:flex; justify-content:flex-start; height:56px; padding:0 15px; } #mobile-logo { margin:0 auto 0 0; } #mobile-logo .site-logo { margin:0; } #mobile-oao-link a, #mobile-sign-in a { display:inline-block; font-size:14px; margin:0 30px 0 0; } a.burger-open { background: url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-v2.png) no-repeat center center; display:block; height: 11px; margin:0; padding:0; text-decoration:none; width: 30px; } a.burger-close { background: url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-close-v2.png) no-repeat center center; display:block; height:18px; margin:0; padding:0; text-decoration:none; width:30px; } /* Accordion(s) */ #acd-unit a { text-decoration:none; } #acd-unit a.acd-c-head-main { font-family: 'connections', Arial, Helvetica, sans-serif; } #acd-unit a.acd-c-head-legal { font-family: 'connections', Arial, Helvetica, sans-serif; } #acd-unit a.acd-c-head-tools { font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 500; } .acd-c { margin: 0 0 0 0; border:0; } .acd-c .acd-c-open, .acd-c .acd-c-close { margin: 0px; border:0; } .acd-c .acd-c-head { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; display: block; padding: 0 0 0 40px; text-decoration:none; border-bottom: 1px solid #e4dfd5; } .acd-c .acd-c-head-single { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; display: block; padding: 0 0 0 40px; border-bottom: 1px solid #e4dfd5; } .acd-c .acd-c-head-main { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; background-color: #ece6dd; display: block; padding: 0 0 0 48px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c .acd-c-head-legal { height: 45px; line-height: 45px; font-size: 16px; color: #ffffff; background-color: #6b5e51; display: block; padding: 0 0 0 48px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c .acd-c-head-tools { height: 45px; line-height: 45px; font-size: 16px; color: #0052C2; background-color: #ffffff; display: block; padding: 0 0 0 38px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c a.acd-c-head:hover { text-decoration: none; background-color: #f3efe7; } .acd-c a.acd-c-head-single:hover { text-decoration: none; background-color: #f3efe7; } .acd-c a.acd-c-head-main:hover { text-decoration: none; background-color: #d1c9c0; } .acd-c a.acd-c-head-legal:hover { text-decoration: none; background-color: #333333; } .acd-c a.acd-c-head-tools:hover { text-decoration: none; background-color: #ffffff; } .acd-c .acd-c-open .acd-c-head { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-open.png) no-repeat 20px 18px; } .acd-c .acd-c-open .acd-c-head-main { background: #ece6dd url(/Publish/Content/image/png/GWMOL/acd-c-open.png) no-repeat 20px 18px; } .acd-c .acd-c-open .acd-c-head-legal { background: #6b5e51 url(/Publish/Content/image/png/GWMOL/acd-c-open-white.png) no-repeat 20px 18px; } .acd-c .acd-c-open .acd-c-head-tools { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-open-blue.png) no-repeat 20px 18px; } .acd-c .acd-c-open { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-main { background: #ece6dd url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close 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url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-content { background: #fff; padding: 0; margin: 0; } .acd-c .acd-c-close .acd-c-content { display: none; } /* End Accordion(s) */ a.button-mobile-blue { display:inline-block; color: #ffffff; text-decoration:none; background:#0052c2; padding: 0 15px 0 15px; height:30px; line-height:30px; font-size:14px; font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 400; } a.button-mobile-blue:hover { background:#0073cf; text-decoration:none; } a.button-mobile-red { display:inline-block; color: #ffffff; text-decoration:none; background:#dc1431; padding: 0 15px 0 15px; height:30px; line-height:30px; font-size:14px; font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 400; } a.button-mobile-red:hover { background:#d41230; text-decoration:none; } #toc { position: relative; z-index:999; display:none; width:100%; font-family: 'connections', Arial, Helvetica, sans-serif; } #toc a:link, a:visited { text-decoration: none; font-family: 'connections', Arial, Helvetica, sans-serif; } #toc a:hover, #toc a:active { text-decoration: none; } #toc ul { list-style: none; margin:0; } #toc ul.level2, #toc ul.level3 { display:none; } #toc ul li { cursor:pointer; margin:0; padding:0; } #toc ul li a { background-repeat:no-repeat; color: #493F36; display:block; font-size:14px; } #toc ul.level1 > li a { background-position:right 20px center; background-size:16px auto; height:auto; line-height:1; padding: 19px 0 19px 20px; } #toc ul.level1 > li a.closed { background-color:#ededed; background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png); border-bottom:1px solid #c3c3c3; } #toc ul.level1 > li a.closed.noborder { border-bottom:0; } #toc ul.level1 > li a.opened { background-color:#fff; background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png); background-position:right 20px top 21px; padding: 19px 0 0 20px; } #toc ul.level2 > li a { 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justify-content:center; padding:42px 20px 30px 20px; text-align:center; } #toc ul.level1 > li .navHelpFlex a { background-position:center top; background-repeat:no-repeat; color:#0053C2 !important; background-size:auto; display:block; font-family:arial, helvetica, sans-serif; font-size:12px; line-height:1.25; padding:66px 0 0 0; } #toc ul.level1 > li a#navAnswers { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-help.png); } #toc ul.level1 > li a#navAppt { /* Not in use */ background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-calendar.png); } #toc ul.level1 > li a#navPhone { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-phone.png); } #toc ul.level1 > li a#navIFA { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png); margin:0 auto; max-width:300px; } a#navIFA span { color:#493F36; } #toc .ctaNav { background-color:#ededed; border-bottom:1px solid #cccccc; border-top:1px solid #bfbfbf; padding:25px 20px; text-align:center; } #toc .ctaNav .cta.orange.m { box-sizing:border-box; font-size:14px; line-height:40px; height:40px; text-align:center; width:164px; } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #etheader { display:block; width:100%; height:56px; overflow:hidden; border-bottom: 1px solid #cccaca; position:fixed; top:0; z-index:99999; background:#ffffff; } .spaced { display:block; height:57px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ #mobile-oao-link a, #mobile-sign-in a { margin:0 25px 0 0; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ #mobile-oao-link a, #mobile-sign-in a { margin:0 20px 0 0; } } @media only screen and (max-width: 350px) {/* viewport up to 350px */ #mobile-oao-link { display:none; } #mobile-sign-in a { margin:0 30px 0 0; } } </style> <script> $GE.JQ(function() { // Toggles burger menu and resets submenus $("#topmenu").click(function () { if ($('#toc ul.level1 > li a.linkL1').hasClass("opened")) { $('#toc ul.level1 > li a.linkL1').addClass('closed').removeClass('opened'); $('#toc ul.level1 > li a.linkL1').next('ul.level2').css("display", "none"); $('#toc ul.level1 > li a.linkL1').attr("aria-expanded", "false"); $('#toc ul.level1 > li a.linkL1').next('ul.level2').attr("aria-hidden", "true"); $('#toc ul.level1 > li > ul.level2 > li a.linkL2').addClass('closed').removeClass('opened'); $('#toc ul.level1 > li > ul.level2 > li a.linkL2').next('ul.level3').css("display", "none"); $('#toc ul.level1 > li a.linkL2').attr("aria-expanded", "false"); $('#toc ul.level1 > li a.linkL2').next('ul.level3').attr("aria-hidden", "true"); } $("#toc").toggle("slow"); $(this).find("a").toggleClass("burger-close"); if ($(this).find("a").hasClass("burger-close")) { $(this).find("a").html("<span class='adahidden'>Close Menu bar</span>"); } else { $(this).find("a").html("<span class='adahidden'>Open Menu bar</span>"); } }); // Nested burger menu scripts $('#toc li a.closed, #toc li a.opened').click(function(){ $(this).toggleClass('opened closed'); $(this).next().slideToggle('normal'); if ($(this).hasClass('linkL1') && $(this).hasClass('closed')) { if ($(this).closest('ul').find('a.linkL2').hasClass('opened')) { $(this).closest('ul').find('a.linkL2').addClass('closed').removeClass('opened'); $(this).closest('ul').find('a.linkL2').next().css("display", "none"); $(this).closest('ul').find('a.linkL2').attr("aria-expanded", "false"); $(this).closest('ul').find('a.linkL2').next().attr("aria-hidden", "true"); } } if ($(this).hasClass('opened')) { $(this).attr("aria-expanded", "true"); $(this).next().attr("aria-hidden", "false"); } else { $(this).attr("aria-expanded", "false"); $(this).next().attr("aria-hidden", "true"); } }); // Scripts to prepend correct environments to login link var str1 = "merrilledgesit1.com"; var str2 = "merrilledgesit2.com"; var str3 = "merrilledge.fsqa.ml.com"; var str4 = "merrilledge.com"; var urlQ = (window.location.host).toLowerCase(); var myurl = "https://olui2.fs.ml.com"; if (urlQ.indexOf(str1) >= 0) { myurl = "https://olui2.fssit1.ml.com"; } else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; } $('a#SignIn_header').attr('href', function(i, href) { return myurl + href; }); }); /* $GE.JQ(function() { var is_mobile = false; if( $('#etheader').css('display')!=='none') { is_mobile = true; console.log("Mobile View :: " + is_mobile); } }); */ </script> <div id="etheader"> <div class="menuShell txt-brand"> <div id="mobile-logo"> <div class="site-logo" data-widget="Site Logo"> <a name="mobileHeaderLogo" id="mobileHeaderLogo" href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> <div 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aria-controls="content-5a" aria-expanded="false" id="accordion-control-5a">Investing Insights & Education</a> <ul class="level3" aria-hidden="true" id="content-5a"> <li><a name="NavEdOverview" id="NavEdOverview" href="/investor-education">Overview</a></li> <li><a name="NavGetStarted" id="NavGetStarted" href="/guidance/start-investing">Get Started Investing</a></li> <li><a name="NavBasics" id="NavBasics"href="/investor-education/investing-basics">Investing Basics</a></li> <li><a name="NavInsights" id="NavInsights"href="/research/perspectives">Market & Investing Insights</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5b" aria-expanded="false" id="accordion-control-5b">Product Education</a> <ul class="level3" aria-hidden="true" id="content-5b"> <li><a name="NavStocksLearn" id="NavStocksLearn" href="/investor-education/understanding-stocks">Stocks</a></li> <li><a name="NavMFsLearn" id="NavMFsLearn" 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href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/">Schedule an<br /> appointment<span class="adahidden"> with Merrill</span></a> <div class="ifaYes" style="display:none;"><a name="navIFA" id="navIFA" target="_blank" rel="noopener noreferrer" href="mailto:mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date."><span>To find the small business retirement plan that works for you, contact:</span> franchise@bankofamerica.com</a></div> </div> </ul> </li> </ul> <div class="ctaNav"><a name="navOAO" id="navOAO" class="cta orange m" href="/global-oao"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> <script type="text/javascript"> // Script to create IFA tactic experience Sys.Application.add_init(function () { if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) { var pageTactic = __ETAttr.tactic_id.toUpperCase(); if (pageTactic == 'IFA') { // Show/hide content according to tactic if ($('.ifaNo').length) { $('.ifaNo').css('display', 'none'); } if ($('.ifaYes').length) { $('.ifaYes').css('display', 'block'); } } } }); </script>   <div class="wrapper-2 lead-125pc">    <div class="prBanner"> <div class="wrapper-3 txt-white"> <h1><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-preferred-rewards-horizontal-scalable-white.png" alt="Bank of America Preferred Rewards" /></h1> <h2 class="txt-brand"><span>Invest. Bank.</span> <span>Get rewarded for it.</span></h2> <div class="bannerFlex"> <a class="cta orange m" name="bannerEnroll" id="bannerEnroll" target="_blank" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=preferred_rewards&oaounit=cta_lp_banner_btn&oaocampaign=preferred_rewards&oaoterm=default_all"><span><span class="adahidden">Select to </span>Open a Merrill account<span class="adahidden"> in Preferred Rewards</span></span></a> </div> </div> </div>  <div class="wrapper-3 coolGrayBg-10-05"> <div class="prodOffer1"> <div class="prodOffer2"> <h2 class="txt-brand">Enjoy valuable rewards for things you already do</h2> <div>Once enrolled, you will automatically earn benefits and rewards tailored to you and all the ways you work with us, including banking with Bank of America and investing with Merrill.<span class="adahidden">Footnote </span><sup>1</sup></div> <div class="prodOfferPR">Not yet a Preferred Rewards member? <a name="bannerOAO" id="bannerOAO" class="nowrap" href="https://www.bankofamerica.com/deeplink/redirect.go?target=myrwrds_prbr&screen=MyRewards:PreferredRewards&version=21.11"><span class="adahidden">Select to </span>Enroll now</a></div> </div> </div> <div class="anchorPage"> <div id="transcriptAnchor1"></div> </div> <div class="videoOuter"> <div class="videoShell"> <div id="kaltura_player_01" class="kaltura_player" entryId="1_vbfo89lv"></div> <script type="text/javascript" src="/publish/content/assets/js/kaltura_video.js?d=260225_150335"></script> </div> </div>  <div class="transcript"> <a aria-expanded="false" name="transcriptLink1a" id="transcriptLink1a" class="show-hide-open" href="javascript:void(0);"><span class='plusMinus'>[+]</span> View transcript</a> </div> <div class="transcriptContent TC1 hide txt-14 p-15"> <div class="mb-15">[Music in background throughout]</div> <div class="mb-15">[Bank of America<sup>®</sup> logo and lifestyle imagery appear throughout]</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15">Bank of America<sup>®</sup> logo</div> <div class="mb-5"><strong>On Screen Disclosure:</strong></div> <div class="mb-15">Please see important information at the end of this video.</div> <div class="mb-15">We know you have plenty of choices in terms of who you work with and trust in your financial life. That's why we created the Bank of America Preferred Rewards program.</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15">Bank of America Preferred Rewards</div> <div class="mb-15">Each of the tiers has its own unique features, so your benefits and rewards can increase as your balance does. But they're all designed to make sure you feel appreciated for everything you do with us.</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-5">Preferred Rewards Tiers</div> <div class="mb-5">Gold $20K to < 50k</div> <div class="mb-5">Platinum $50K to < 100K </div> <div class="mb-5">Platinum Honors $100K to < $1M </div> <div class="mb-15">Diamond $1M to < $10M </div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">3-month combined average daily balance</div> <div class="mb-15">To qualify, all you need is an eligible checking account and a 3-month average combined daily balance of twenty-thousand dollars or more in an eligible Bank of America deposit account and/or a Merrill<sup>®</sup> investment account.</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-5">How to Qualify</div> <ul class="prodList"> <li>Eligible checking account</li> <li>3-month combined average daily balance of at least $20K for Gold tier</li> <li>Higher tiers require additional balances</li> </ul> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">Once you've met these requirements you must then take action to enroll.</div> <div class="mb-15">Your benefits will be different based on which tier you qualify for,</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15">Your benefits will differ by tier</div> <div class="mb-15">but in this video, we're just going to walk you through activation as if you qualified for the Platinum Tier.</div> <div class="mb-15">[Bank of America Mobile App icon appears. Platinum Tier icon appears.]</div> <div class="mb-15">It's easy to activate your Preferred Rewards benefits from your account overview page within the mobile banking app.</div> <div class="mb-15">[Preferred Rewards Accounts overview screen appears, and My Rewards is tapped]</div> <div class="mb-15">Just tap "My Rewards" to get started. Here, you can see a list of your potential benefits.</div> <div class="mb-15">[My Rewards overview page appears, then into the Preferred Rewards benefits list.]</div> <div class="mb-15">and activate with a simple tap at the bottom of the page.</div> <div class="mb-15">[Activate is tapped, view benefits is tapped]</div> <div class="mb-15">Now, let's give you an overview of everything the program has to offer at the Platinum tier.</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15">Your Preferred Rewards overview</div> <div class="mb-15">[Preferred Rewards available benefits screen appears.]</div> <div class="mb-15">Soon after activation, this is where you'll find your current tier, as well as a snapshot of the benefits you're already taking advantage of.</div> <div class="mb-15">[Preferred Rewards overview page appears, and Benefits you've used is highlighted]</div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">Your benefits will depend on your Preferred Rewards tier and which products and services you use.</div> <div class="mb-15">And here, you can see the full list of tier-specific benefits available to you</div> <div class="mb-15">[Preferred Rewards available benefits screen appears.]</div> <div class="mb-15">which include credit card rewards bonuses of 25-75 percent,</div> <div class="mb-15">[Credit card rewards bonus tile is enlarged and highlighted.]</div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">Preferred Rewards members earn a 25% to 75% rewards bonus on eligible Bank of America credit cards.</div> <div class="mb-15">as well as discounts on auto loans,</div> <div class="mb-15">[Auto loan tile is enlarged and highlighted.]</div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">On applications submitted directly to Bank of America</div> <div class="mb-15">mortgages,</div> <div class="mb-15">[Mortgage tile is enlarged and highlighted]</div> <div class="mb-15">and even home equity lines of credit.</div> <div class="mb-15">[Home equity tile is enlarged and highlighted]</div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">When PayPlan is established</div> <div class="mb-15">If you have any questions or requests, you can speak to a dedicated specialist or schedule an appointment right from the app.</div> <div class="mb-15">[Priority Member Services screen appears.]</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15">Call: 888-888-RWDS<br /> (888.888.7937)</div> <div class="mb-15">On average, Preferred Rewards members across all tiers receive hundreds of dollars a year in overall benefits, with no fees to join or participate.</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15"> On average, members increase their overall benefits to $500 per year<br /> Keep your benefits for 12 months</div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">The average benefit value is based on earnings by Preferred Rewards members at all tiers and includes benefits that don't require enrollment in Preferred Rewards and that may be available without maintaining Preferred Rewards qualifying balances.</div> <div class="mb-15">And don't worry if your balance dips from time to time. Once you activate, you keep your benefits for a full twelve months.</div> <div class="mb-15">So don't miss out on the benefits you've earned. Whether you're eligible and haven't activated Preferred Rewards yet, or you're already a member, you'll find it all waiting for you in the mobile app. And thank you for everything you do with Bank of America and Merrill.</div> <div class="mb-5"><strong>On screen disclosure:</strong></div> <div class="mb-15">Merrill is an affiliate of Bank of America and viewers may or may not have a Merrill account.</div> <div class="mb-5"><strong>On screen copy:</strong></div> <div class="mb-15">What would you like the power to do?<sup>®</sup><br /> Bank of America<sup>®</sup> logo</div> <div class="mb-5"><strong>On screen disclosures:</strong></div> <div class="mb-15"><strong>Mobile Banking.</strong> Mobile Banking requires that you download the Mobile Banking or Merrill app and is only available for select mobile devices. Message and data rates may apply.</div> <div class="mb-5"><strong>Preferred Rewards Program Eligibility.</strong> You can enroll, and maintain your membership, in the Bank of America Preferred Rewards<sup>®</sup> program if you have an active, eligible personal checking account with Bank of America<sup>®</sup> and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:</div> <div class="mb-5">1. a three-month combined average daily balance in your qualifying deposit and investment accounts, or</div> <div class="mb-15">2. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.</div> <div class="mb-15">Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits, available at bankofamerica.com/fees. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Tier regardless of balance, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill and Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to go.bofa.com/cebi-faq for details.</div> <div class="mb-15"><strong>Preferred Rewards Credit Card Bonus.</strong> Certain credit cards are eligible to receive a Bank of America Preferred Rewards<sup>®</sup> bonus. Enrolled Preferred Rewards members with eligible Bank of America<sup>®</sup> credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your cash rewards or points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card's Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. Refer to bankofamerica.com/preferred-rewards for a complete list of ineligible cards.</div> <div class="mb-15"><strong>Preferred Rewards Savings Booster.</strong> The Bank of America Advantage Savings interest rate booster is only available to enrolled Preferred Rewards members. Your enrollment in Preferred Rewards will not automatically convert any existing savings account to a Bank of America Advantage Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. Refer to bankofamerica.com/savings for current rates.</div> <div class="mb-15"><strong>Preferred Rewards No Fee Banking.</strong> Refer to the Personal Schedule of Fees available at bankofamerica.com/fees for information on which fees are waived for Preferred Rewards members along with other Program benefits.</div> <div class="mb-15"><strong>Preferred Rewards ATM Fee Waiver.</strong> Preferred Rewards Platinum tier members using a Bank of America Debit or ATM card are not charged the non-Bank of America ATM fee for one withdrawal and one transfer per statement cycle from a non-Bank of America ATM in the U.S., and receive a refund of the ATM operator fee for one withdrawal and one transfer per statement cycle from a non-Bank of America ATM in the U.S. Preferred Rewards Platinum Honors, Diamond and Diamond Honors tier members using a Bank of America Debit or ATM card are not charged the non-Bank of America ATM fee for withdrawals and transfers from non-Bank of America ATMs in the U.S. and U.S. territories and receive a refund of the ATM operator fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.</div> <div class="mb-15"><strong>Preferred Rewards First Mortgage.</strong> The origination fee reduction and/or interest rate reductions are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of a mortgage loan application to Bank of America, N.A. for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). The rewards tier is not subject to adjustment after the application is submitted. The origination fee reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) will not exceed the amount of the Lender Origination Fee. In order to receive the full Diamond and Diamond Honors interest rate reduction (0.25% for Diamond tier and 0.375% for Diamond Honors tier) the client must be approved for an eligible loan and enroll in PayPlan, our automatic payment service, designating an eligible Bank of America checking or savings account. To allow us to apply and disclose the interest rate reduction and close the loan timely, we encourage Diamond and Diamond Honors tier clients to enroll in PayPlan as soon as possible and prior to the expected loan closing date. PayPlan is not available on VA and FHA products and Diamond and Diamond Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable rate mortgages (except PrimeFirst<sup>®</sup>), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst<sup>®</sup> adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. Some Preferred Rewards benefits cannot be combined with other offers. All mortgage interest rate reduction offers may be subject to a maximum interest rate reduction limit. Preferred Rewards benefits are non-transferable and are not available with Custom Residential Real Estate financing.</div> <div class="mb-15"><strong>Preferred Rewards Home Equity Line of Credit.</strong> Home Equity Line of Credit (HELOC) interest rate discounts are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of home equity application (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). Amount of discount (0.125% for Gold tier, 0.250% for Platinum tier, 0.375% for Platinum Honors tier, 0.625% for Diamond tier and 0.750% for Diamond Honors tier) is based on the rewards tier at the submittal of home equity application and is not subject to adjustment after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity benefit can be combined with certain other home equity interest rate discounts.</div> <div class="mb-15"><strong>Preferred Rewards Auto Loan.</strong> Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Bank of America auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.</div> <div class="mb-15"><strong>Preferred Rewards Lifestyle Benefit.</strong> You must be enrolled in the Diamond or Diamond Honors tier of Preferred Rewards to be eligible for lifestyle benefits or events. The lifestyle benefits are provided by third party vendors not affiliated with Bank of America. Terms and fulfillment of the offers is the responsibility of the third-party vendor and not of Bank of America. Bank of America does not provide your customer information to the third-party vendor, but by contacting them to take advantage of an offer you will identify yourself as a Bank of America client. Due to limited availability, some offers may be open only to a limited number of Preferred Rewards members and could change without notice.</div> <div class="mb-15"><strong>Merrill Guided Investing.</strong> Please review the applicable Merrill Guided Investing Program Brochure (PDF) at www.merrilledge.com/guided-investing-program-brochure or Merrill Guided Investing with Advisor Program Brochure (PDF) at www.ml.com/guided-investing-program-brochure for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.</div> <div class="mb-15">Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors, Diamond and Diamond Honors tiers based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus.</div> <div class="mb-15">Merrill Lynch, Pierce, Fenner & Smith Incorporated ("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.</div> <div class="mb-15">Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.</div> <div class="mb-15">Credit card programs are issued and administered by Bank of America, N.A.</div>  <div class="mb-15">Investment products are provided by MLPF&S and:</div> <table class="TBL"> <tr> <td>Are Not FDIC Insured</td> <td>Are Not Bank Guaranteed</td> <td>May Lose Value</td> </tr> </table> <div class="txt-10">Please review the Personal Schedule of Fees, available at bankofamerica.com/fees and at your local financial center. Merrill, Bank of America Preferred Rewards, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.<br /> © 2025 Bank of America Corporation. 6167499</div> <div class="transcript"> <a aria-expanded="true" name="transcriptLink1b" id="transcriptLink1b" class="transcriptAcc show-hide-close" href="#transcriptAnchor1"><span class='plusMinus'>[-]</span> Close transcript</a> </div> </div> </div> <div class="wrapper-3 tierCardShell">  <div class="tierCardFlex txt-brand-l"> <a href="javascript:void(0);" class="tierCard gold selected" name="goldTier" id="goldTier"> <span class="adahidden">Learn more about </span> <span class="adahidden"><h3>Gold Preferred Rewards</h3><span class="adahidden coda"> selected</span></span> <div class="tierRange">$20K to < $50K</div> <div class="tierAve">3-month combined average daily balance</div> </a> <a href="javascript:void(0);" class="tierCard plat" name="platTier" id="platTier"> <span class="adahidden">Learn more about </span> <span class="adahidden"><h3>Platinum Preferred Rewards</h3><span class="adahidden coda"></span></span> <div class="tierRange">$50K to < $100K</div> <div class="tierAve">3-month combined average daily balance</div> </a> <a href="javascript:void(0);" class="tierCard platHonors" name="platHonorsTier" id="platHonorsTier"> <span class="adahidden">Learn more about </span> <span class="adahidden"><h3>Platinum Honors Preferred Rewards</h3><span class="adahidden coda"></span></span> <div class="tierRange">$100K to < $1MM</div> <div class="tierAve">3-month combined average daily balance</div> </a> <a href="javascript:void(0);" class="tierCard diamond" name="diamondTier" id="diamondTier"> <span class="adahidden">Learn more about </span> <span class="adahidden"><h3>Diamond Preferred Rewards</h3><span class="adahidden coda"></span></span> <div class="tierRange">$1MM to < $10MM</div> <div class="tierAve">3-month combined average daily balance</div> </a> </div> <div class="anchorPage"> <div id="goalsTop"></div> </div> <h2> <div class="goalsHL">Select your goals to discover related benefits and awards:</div> <div class="goalsClear hide"><a name="clearGoals" id="clearGoals" href="javascript:void(0);"><span class="adahidden">Select to </span>Clear selected goals (<span class="goalsCount">1</span> of 8 selected)</a></div> </h2>  <div id="goalsFlex"> <a href="javascript:void(0);" class="prGoal" name="budgetGoal" id="budgetGoal"><span class="adahidden">Learn more about </span>Budget and start saving <span class="adahidden coda"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="retirementGoal" id="retirementGoal"><span class="adahidden">Learn more about </span>Save for retirement <span class="adahidden coda"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="purchaseGoal" id="purchaseGoal"><span class="adahidden">Learn more about </span>Save for a big purchase <span class="adahidden coda"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="homeGoal" id="homeGoal"><span class="adahidden">Learn more about </span>Buy a home <span class="adahidden"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="creditGoal" id="creditGoal"><span class="adahidden">Learn more about </span>Improve credit <span class="adahidden coda"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="travelGoal" id="travelGoal"><span class="adahidden">Learn more about </span>Travel <span class="adahidden coda"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="carGoal" id="carGoal"><span class="adahidden">Learn more about </span>Buy a car <span class="adahidden coda"> goals</span></a> <a href="javascript:void(0);" class="prGoal" name="renoGoal" id="renoGoal"><span class="adahidden">Learn more about </span>Renovate <span class="adahidden coda"> goals</span></a> </div>  <div class="scrollNav"> <a href="javascript:void(0);" name="left1" id="left1" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" name="right1" id="right1" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div>  <div class="rewardFlex"> <div id="bankMod" class="rewardCard gold banking budget" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Banking Services</h3> <div class="rcNumber txt-brand gold plat platHonors diamond">No Fees</div> <div class="rcText gold plat platHonors diamond">on select everyday banking services<span class="adahidden">Footnote </span><sup>4</sup></div> </div> </div> <div id="creditMod" class="rewardCard gold budget credit travel reno" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Credit Card</h3> <div class="rcNumber txt-brand gold">25%</div> <div class="rcNumber txt-brand plat hide">50%</div> <div class="rcNumber txt-brand platHonors diamond hide">75%</div> <div class="rcText gold plat platHonors diamond">Rewards bonus on eligible Bank of America credit cards<span class="adahidden">Footnote </span><sup>3</sup></div> </div> </div> <div id="serviceMod" class="rewardCard gold" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Priority Service</h3> <div class="gold plat platHonors diamond" style="padding:3px 0 8px 0;"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-people-man-scalable-black.png" alt="" style="width:30px; height:auto;" /></div> <div class="rcText gold plat platHonors diamond">Access a team of service specialists at 888.888.RWDS (888.888.7937)</div> </div> </div> <div id="atmMod" class="rewardCard plat hide budget travel noGold" tabindex="0"> <div class="rcContent"> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">No-fee ATM Transactions</h3> <div class="rcNumber txt-brand gold plat">12/year</div> <div class="rcNumber txt-brand diamond platHonors">Unlimited</div> <div class="rcText gold plat platHonors">Up to one per statement cycle at non-Bank of America <span class="nowrap">ATMs<span class="adahidden">Footnote </span><sup>5</sup></span></div> <div class="rcText diamond hide">No-fee transactions at non-Bank of America ATMs<span class="adahidden">Footnote </span><sup>5</sup></div> </div> </div> <div id="depositsMod" class="rewardCard gold deposits budget" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Deposits</h3> <div class="rcNumber txt-brand gold plat platHonors diamond">No Monthly Maintenance Fees</div> <div class="rcText gold plat platHonors">On up to 4 eligible checking and 4 savings accounts</div> <div class="rcText diamond hide">On all your eligible checking and savings accounts</div> </div> </div> <div id="foreignMod" class="rewardCard gold foreign travel" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Foreign Currency</h3> <div class="rcNumber txt-brand gold">1%</div> <div class="rcNumber txt-brand plat hide">1.5%</div> <div class="rcNumber txt-brand platHonors diamond hide">2%</div> <div class="rcText gold plat platHonors diamond">Exchange rate discount for mobile and online orders, plus free standard shipping</div> </div> </div> <div id="autoMod" class="rewardCard gold autoLoan credit car" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Auto Loan</h3> <div class="rcNumber txt-brand gold">0.25%</div> <div class="rcNumber txt-brand plat hide">0.35%</div> <div class="rcNumber txt-brand platHonors diamond hide">0.50%</div> <div class="rcText gold plat platHonors diamond">Interest rate discount for new loan applications submitted directly to Bank of America<span class="adahidden">Footnote </span><sup>9</sup></div> </div> </div> <div id="equityMod" class="rewardCard gold equity home credit car reno" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Home Equity</h3> <div class="rcNumber txt-brand gold">0.125%</div> <div class="rcNumber txt-brand plat hide">0.250%</div> <div class="rcNumber txt-brand platHonors hide">0.375%</div> <div class="rcNumber txt-brand diamond hide">0.625%</div> <div class="rcText gold plat platHonors diamond">Interest rate discount on a new home equity line of <span class="nowrap">credit<span class="adahidden">Footnote </span><sup>8</sup></span></div> </div> </div> <div id="mortgageMod" class="rewardCard gold mortgage home credit reno" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Mortgage</h3> <div class="rcNumber txt-brand gold">$200</div> <div class="rcNumber txt-brand plat hide">$400</div> <div class="rcNumber txt-brand platHonors hide">$600</div> <div class="rcNumber txt-brand diamond hide">0.250%</div> <div class="rcText gold plat platHonors">Reduced origination fee on a new purchase or refinance mortgage<span class="adahidden">Footnote </span><sup>6</sup></div> <div class="rcText diamond hide">Interest rate reduction when PayPlan is established<span class="adahidden">Footnote </span><sup>6</sup></div> </div> </div> <div id="savingsMod" class="rewardCard gold savings budget retirement purchase home travel car reno" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand">Savings</h3> <div class="rcNumber txt-brand gold">5%</div> <div class="rcNumber txt-brand plat hide">10%</div> <div class="rcNumber txt-brand platHonors diamond hide">20%</div> <div class="rcText gold plat platHonors diamond">Interest rate booster on a Bank of America Advantage Savings account<span class="adahidden">Footnote </span><sup>7</sup></div> </div> </div> <div id="lifestyleMod" class="rewardCard diamond hide budget travel noGold noPlat noPlatHonors" tabindex="0"> <div class="rcContent"> <span class="adahidden">Diamond tier </span> <h3 class="txt-brand">Lifestyle Benefits</h3> <div class="rcNumber txt-brand gold plat platHonors diamond"> </div> <div class="rcText gold plat platHonors diamond">Access to unique experiences and premium offers<span class="adahidden">Footnote </span><sup>11</sup></div> </div> </div> <div id="travelMod" class="rewardCard diamond hide travel noGold noPlat noPlatHonors" tabindex="0"> <div class="rcContent"> <span class="adahidden">Diamond tier </span> <h3 class="txt-brand">International Travel</h3> <div class="rcNumber txt-brand gold plat platHonors diamond">Unlimited</div> <div class="rcText gold plat platHonors diamond">No international transaction or ATM fees.<span class="adahidden">Footnote </span><sup>5</sup></div> </div> </div> <div id="mgiMod" class="rewardCard gold mgi retirement purchase home" tabindex="0"> <div class="rcContent"> <span class="adahidden gold">Gold tier </span> <span class="adahidden plat hide">Platinum tier </span> <span class="adahidden platHonors hide">Platinum Honors tier </span> <span class="adahidden diamond hide">Diamond tier </span> <h3 class="txt-brand"><a name="mgiLink" id="mgiLink" href="/guided-investing">Merrill Guided Investing</a></h3> <div class="rcNumber txt-brand gold">0.05%</div> <div class="rcNumber txt-brand plat hide">0.10%</div> <div class="rcNumber txt-brand platHonors diamond hide">0.15%</div> <div class="rcText gold plat platHonors diamond">Annual program fee <span class="nowrap">discount<span class="adahidden">Footnote </span><sup>2</sup></span></div> <div class="rcDisc txt-brand">Other fees may apply<span class="adahidden">Footnote </span>*</div> </div> </div>  <div class="placeholder"></div> <div class="placeholder"></div> <div class="placeholder"></div> </div> </div>  <div class="manageFlex wrapper-3"> <div class="manageText"> <h2 class="txt-brand">Manage all your rewards in one place with Bank of America My Rewards</h2> <ul class="prodList"> <li>Track your rewards, deals and benefits throughout the year</li> <li>Explore what's available and start redeeming</li> <li>Discover additional benefits so you never have to miss out</li> <li>Enroll in Preferred Rewards if you are eligible</li> </ul> </div> <div class="manageImage"> <img class="phonesDesk" src="/Publish/Content/image/png/GWMOL/ME-preferred-rewards-manage-phones-desk.png" alt="" /> <img class="phonesMobile" src="/Publish/Content/image/png/GWMOL/ME-preferred-rewards-manage-phones-mobile.png" alt="" /> </div> </div>  <div class="diamondShell wrapper-3"> <h2 class="txt-brand">See what the Preferred Rewards Diamond tier has to offer</h2> <div class="diamondBlurb">Diamond tier awards give you access to premier experiences and one‑of‑a‑kind benefits tailored to you.</div> <a name="DiamondTier" id="DiamondTier" target="_blank" class="cta orange m" href="https://promotions.bankofamerica.com/preferredrewards/diamond?prstat=bofa"><span><span class="adahidden">Select to </span>Learn more<span class="adahidden"> about Preferred Rewards Diamond tier</span></span></a> </div>  <div class="trioShell wrapper-3"> <h2 class="txt-brand">It's never been easier to get rewarded</h2> <div class="trioFlex"> <div class="trioBOA"> <h3 class="txt-brand-m">Open a Bank of America checking account</h3> <div class="trioBlurb">You'll need an eligible Bank of America checking account to get started.</div> <a name="TrioChecking" id="TrioChecking" href="https://promo.bankofamerica.com/advantage_banking/" target="_blank" class="cta orange m"><span><span class="adahidden">Select to </span>Open a checking account</span></a> </div> <div class="trioPR"> <h3 class="txt-brand-m"> Enroll in Preferred Rewards</h3> <div class="trioBlurb">Qualify with an average 3-month combined balance of $20,000 in your Bank of America deposit and/or Merrill investment accounts. </div> <a name="TrioEnroll" id="TrioEnroll" href="https://www.bankofamerica.com/deeplink/redirect.go?target=myrwrds_prbr&screen=MyRewards:PreferredRewards&version=21.11" target="_blank" class="cta orange m"><span><span class="adahidden">Select to </span>Enroll now</span></a> </div> </div> <div class="trioMax"> <h3 class="txt-brand-m">Want to maximize your rewards?</h3> <div class="maxBlurb">Merrill investing account balances count towards rewards tier to help you make the most of all the program offers. Open an account and get rewarded for your combined balances.</div> <div><a name="TrioOAO" id="TrioOAO" href="/global-oao"><span class="adahidden">Select to </span>Open an investing account</a></div> </div> </div>  <div class="wrapper-3 mgiFaqBg"> <div class="mgiFaqs"> <h2 class="txt-brand txt-c">Frequently Asked Questions</h2> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">What is Preferred Rewards?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> <div class="pb-15">Bank of America Preferred Rewards offers real benefits and rewards you can actually use. And as your qualifying Merrill investment balances and/or Bank of America deposit account balances<span class="adahidden">Footnote </span><sup>1</sup> grow, so do your benefits.</div> <div>There are four tiers in the Preferred Rewards program — Gold, Platinum, Platinum Honors and Diamond. Your tier is based on your Merrill investment balances and/or your Bank of America deposit account balances.<span class="adahidden">Footnote </span><sup>1</sup></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">How do I qualify?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> <div class="pb-15">All you need to qualify is an eligible Bank of America<sup>®</sup> personal checking account and maintain a three-month combined averaged daily balance of $20,000 in your Merrill investment accounts and/or your Bank of America deposit accounts.<span class="adahidden">Footnote </span><sup>1</sup></div> <div><a name="boaSignOn1" id="boaSignOn1" target="_blank" href="https://www.bankofamerica.com">Sign in to Online Banking to see if you qualify</a></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">Do I have to enroll to become a Preferred Rewards client?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> <div class="pb-15">Yes, and enrollment is simple. There are no fees to join or participate in Preferred Rewards. And once you're enrolled, as your balances qualify you for the next level of rewards, you'll move up automatically.<span class="adahidden">Footnote </span><sup>1</sup></div> <div><a name="boaSignOn2" id="boaSignOn2" target="_blank" href="https://www.bankofamerica.com">Sign in to Online Banking to see if you qualify</a></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">Do I need to open new accounts to take advantage of Preferred Rewards benefits?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> <div class="pb-15">You can receive Preferred Rewards benefits on your existing accounts, but you'll need:</div> <ul class="prodList"> <li>A <a name="boaSavings" id="boaSavings" target="_blank" href="https://www.bankofamerica.com/deposits/savings/savings-accounts/">Bank of America Advantage Savings account</a> to receive the savings interest rate booster.<span class="adahidden">Footnote </span><sup>7</sup></li> <li>An eligible <a name="boaCC" id="boaCC" target="_blank" href="https://www.bankofamerica.com/credit-cards/">Bank of America<sup>®</sup> credit card</a>, such as Cash Rewards, Travel rewards or Premium Rewards<sup>®</sup> card, to receive the credit card rewards bonus.<span class="adahidden">Footnote </span><sup>3</sup></li> </ul> <div class="mt-15">After you enroll in Preferred Rewards, you can talk to a specialist to convert your existing savings account to an eligible savings account or to open a new credit card account that's eligible for the rewards bonus.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">How can I move to a higher Preferred Rewards tier?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-5"> <div>After you enroll, you can move to a higher Preferred Rewards tier — and enjoy more benefits and rewards — by increasing your qualifying Bank of America<sup>®</sup> deposit and/or Merrill<sup>®</sup> investment balances. We'll review your program balance monthly to see if you've reached a higher tier. If so, you'll receive an automatic tier upgrade.<span class="adahidden">Footnote </span><sup>1</sup></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">How do I maintain my Preferred Rewards program status once I enroll?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-6"> <div class="pb-15">To maintain your status, you need an eligible Bank of America personal checking account and a three-month combined averaged daily balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier or $1MM for Diamond tier in qualifying Merrill investment accounts and/or Bank of America deposit accounts.<span class="adahidden">Footnote </span><sup>1</sup></div> <ul class="prodList"> <li>You will maintain your Preferred Rewards tier status for 12 months following your enrollment. If after 12 months you no longer meet the checking account or balance requirement, you'll have a three-month grace period. If you haven't met the checking account or balance requirement after three months, you'll either be moved to a lower tier or lose your Preferred Rewards benefits.</li> </ul> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">Do I receive any investment benefits with Merrill?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-7"> <div>As a Preferred Rewards member, you're eligible for preferred pricing with a Merrill Guided Investing account. Get a professionally managed portfolio aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals.<span class="adahidden">Footnote </span><sup>10</sup> Get started with as little as $1,000 for Merrill Guided Investing or $20,000 for Merrill Guided Investing with an advisor.<span class="adahidden">Footnote </span><sup>2</sup> Other fees may apply.<span class="adahidden">Footnote </span>*</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-8" aria-expanded="false" id="accordion-control-8">How can I open a Merrill investment account?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-8"> <div>You can <a name="faqOAO" id="faqOAO" href="/global-oao">open an investment account online</a> in less than 15 minutes. Or speak with Merrill Financial Solutions Advisors at <strong>888.MER.EDGE (888.637.3343)</strong> or visit a <a name="boaLocator" id="boaLocator" target="_blank" href="https://locators.bankofamerica.com/">Bank of America financial center</a> near you.</div> </div> </div> </div> </div> </div> </div> </div> <div class="wrapper-3">  <div id="etdisclosure">  <span class="adahidden">Footnote asterisk </span><script type="text/javascript"> var tradeSUP="*";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6007">Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about Merrill pricing, visit <a href="/pricing" id="DiscPricing" name="DiscPricing">our Pricing page</a>.</span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="1";</script>  <div class="disclaimer" > <style> .disclaimer ol.PR { margin: 0 0 15px 20px; } .disclaimer ol.PR li { margin: 0; } </style> <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Preferred Rewards Program Eligibility.</strong> You can enroll, and maintain your membership, in the Bank of America Preferred Rewards<sup>®</sup> program if you have an active, eligible personal checking account with Bank of America<sup>®</sup> and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:<br /><br /> <ol class="PR"> <li>a three-month combined average daily balance in your qualifying deposit and investment accounts, or</li> <li>a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.</li> </ol> Refer to your <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" id="Fees" name="Fees" target="_blank">Personal Schedule of Fees</a> for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Tier regardless of balance and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill and Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to <a href="https://promo.bankofamerica.com/cebi-disclosures/" id="CEBI" name="CEBI" target="_blank">CEBI Program</a> for details. <br /><br /> <strong>Important Information:</strong> As of May 19, 2025, or a later date we may provide you notice of, the Preferred Rewards Diamond and Diamond Honors tiers will be consolidated into a single tier called the Diamond Honors tier. The balance requirement for the new Diamond Honors tier after that date will be a three-month combined average balance of $1,000,000. Bank of America Private Bank clients with a Bank of America eligible personal checking account will qualify for the new Diamond Honors tier. If you are enrolled in the Diamond or Diamond Honors tier on that date, your membership in Preferred Rewards will be automatically set at the new Diamond Honors tier. No action is required of you. <strong>Your benefits will generally remain unchanged or in some cases enhanced, however for home equity line of credit (HELOC) applications received after the consolidation date the rate discount will be the rate discount of the current Diamond tier.</strong> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="2";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Please review the applicable <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" name="MGIPDF" id="MGIPDF" rel="nofollow" >Merrill Guided Investing Program Brochure (PDF)</a> or <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-program-brochure.pdf" target="_blank" name="MGIaPDF" id="MGIaPDF" rel="nofollow" >Merrill Guided Investing with Advisor Program Brochure (PDF)</a> for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training. </div>   <script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors, Diamond and Diamond Honors tiers based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="3";</script>  <div class="disclaimer" > <script> // Modal calling script function cardModal() { if (window.matchMedia('(min-width: 760px)').matches) { javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/card-eligibility-guidelines-modal',null,460,545,null,null,'modal2',true,'pageMask2');return false; } else { window.open('/card-eligibility-guidelines-modal', '_self'); } } </script> <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Credit Card Preferred Rewards Bonus.</strong> Certain credit cards are eligible to receive a Bank of America Preferred Rewards<sup>®</sup> bonus. Enrolled Preferred Rewards members with eligible Bank of America<sup>®</sup> credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your Cash Rewards or Points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card's Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. <a href="javascript:void(0);" onclick="cardModal()" name="Cards" id="Cards">View a complete list of ineligible cards</a>. </div>  <span class="adahidden">Footnote </span><sup>4</sup> Visit Preferred Rewards on bankofamerica.com for a <a href="https://www.bankofamerica.com/" id="NoFee" name="NoFee" target="_blank">list of no-fee banking services</a>.<br /><br />  <script type="text/javascript"> var tradeSUP="5";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Preferred Rewards ATM Fee Waiver.</strong> Preferred Rewards Platinum tier members using a Bank of America Debit or ATM card are not charged the non-Bank of America ATM fee for one withdrawal and one transfer per statement cycle from a non-Bank of America ATM in the U.S., and receive a refund of the ATM operator fee for one withdrawal and one transfer per statement cycle from a non-Bank of America ATM in the U.S. Preferred Rewards Platinum Honors, Diamond and Diamond Honors tier members using a Bank of America Debit or ATM card are not charged the non-Bank of America ATM fee for withdrawals and transfers from non-Bank of America ATMs in the U.S. and U.S. territories and receive a refund of the ATM operator fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.<br /><br /> ** Savings shown is based on Non-Bank of America ATM fee of $2.50 per transaction and an ATM Operator fee. A typical ATM Operator fee is $3 per withdrawal, fees may vary. </div>   <span class="adahidden">Footnote asterisk </span><script type="text/javascript"> var tradeSUP="6";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Preferred Rewards First Mortgage.</strong> The origination fee reduction and/or interest rate reductions are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of a mortgage loan application to Bank of America, N.A. for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). The rewards tier is not subject to adjustment after the application is submitted. The origination fee reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) will not exceed the amount of the Lender Origination Fee. In order to receive the full Diamond and Diamond Honors interest rate reduction (0.25% for Diamond tier and 0.375% for Diamond Honors tier) the client must be approved for an eligible loan and enroll in PayPlan, our automatic payment service, designating an eligible Bank of America checking or savings account. To allow us to apply and disclose the interest rate reduction and close the loan timely, we encourage Diamond and Diamond Honors tier clients to enroll in PayPlan as soon as possible and prior to the expected loan closing date. PayPlan is not available on VA and FHA products and Diamond and Diamond Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable rate mortgages (except PrimeFirst<sup>®</sup>), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst<sup>®</sup> adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. Some Preferred Rewards benefits cannot be combined with other offers. All mortgage interest rate reduction offers may be subject to a maximum interest rate reduction limit. For further details, Refer to the Preferred Rewards section of the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" id="Fees" name="Fees" target="_blank">Personal Schedule of Fees</a>. Preferred Rewards benefits are non-transferable and are not available with Custom Residential Real Estate financing. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="7";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Preferred Rewards Savings Rate Booster.</strong> The Bank of America Advantage Savings interest rate booster is only available to enrolled Preferred Rewards members. Your enrollment in Preferred Rewards will not automatically convert any existing savings account to a Bank of America Advantage Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. Refer to <a href="https://www.bankofamerica.com/deposits/savings/savings-accounts/" id="Savings" name="Savings" target="_blank">bankofamerica.com/savings</a> for current rates. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="8";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Home Equity Line of Credit (HELOC) interest rate discounts are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of home equity application (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). Amount of discount (0.125% for Gold tier, 0.250% for Platinum tier, 0.375% for Platinum Honors tier, 0.625% for Diamond tier and 0.750% for Diamond Honors tier) is based on the rewards tier at the submittal of home equity application and is not subject to adjustment after the application is submitted. For further details, visit the Preferred Rewards section of the <a name="DiscHELOCFees" id="DiscHELOCFees" target="_blank" href="https://www.bankofamerica.com/deposits/resources/personal-schedule-fees.go">Personal Schedule of Fees (PDF)</a>. Benefit is non-transferable. Preferred Rewards home equity benefit can be combined with certain other home equity interest rate discounts. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="9";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Preferred Rewards Auto Loan.</strong> Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Bank of America auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="10";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing, including providing its recommendations of ETFs, mutual funds, and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s). </div>  <span class="adahidden">Footnote </span><sup>11</sup> You must be enrolled in the Diamond or Diamond Honors tier of Preferred Rewards to be eligible for lifestyle benefits or events. The lifestyle benefits are provided by third party vendors not affiliated with Bank of America. Terms and fulfillment of the offers is the responsibility of the third-party vendor and not of Bank of America. Bank of America does not provide your customer information to the third-party vendor, but by contacting them to take advantage of an offer you will identify yourself as a Bank of America client. Due to limited availability, some offers may be open only to a limited number of Preferred Rewards members and could change without notice.<br /><br /> MAP6097606-06042025 </div> </div> </div>   <style> a.ot-sdk-show-settings { background-image: url(/Publish/Content/image/png/GWMOL/ME-bofa-icon-opt-out-white.png); background-repeat:no-repeat; background-position: right center; background-size: 20px auto; display:inline-block; padding:0 25px 0 0; } #etdisclosure .disclaimer, #etfooter .disclaimer, .wrapper-2 .disclaimer { background-color:inherit !important; font-size:inherit !important; color:inherit !important; padding:0 0 15px 0; } #etfooter p { margin: 0 0 15px 0; } .shareDesk { display:block; } .shareMobile { display:none; } .adDesk { display:inline; } .adMobile { display:none; } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .shareDesk { display:none; } .shareMobile { display:block; } .adDesk { display:none; } .adMobile { display:inline; } } </style> <script type="text/javascript"> Sys.Application.add_load(function(){ $('.interstitialdesk').on('click', function (evt) { evt.preventDefault(); OnlineCommonJSFunctions.LoadModalPopupByUrl($(this).attr('data-link'), '', '210', '500px'); }); }); Sys.Application.add_load(function(){ $('.interstitialMob').on('click', function (evt) { evt.preventDefault(); window.open($(this).attr('data-link'),"_self"); }); }); </script> <div id="etfooter"> <div class="oflo-hide shareDesk" style="width:103px; margin:0 auto 15px auto;"> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="fl" style="padding-right:18px;"><a name="FooterLinkedIn2" id="FooterLinkedIn2" class="interstitialdesk" data-link="/interstitial-linkedin" href="https://www.linkedin.com/company/merrill-edge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" border="0" height="20" width="22" /></a></div> <div class="fl" style="padding-right:20px;"><a name="FooterTwitter2" id="FooterTwitter2" class=" interstitialdesk" data-link="/interstitial-twitter" href="https://twitter.com/merrilledge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" border="0" height="18" width="18" /></a></div> <div class="fl" style="padding-top:2px;"><a name="FooterYouTube2" id="FooterYouTube2" class=" interstitialdesk" data-link="/interstitial-youtube" href="https://www.youtube.com/user/MerrillEdge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" border="0" height="14" width="20" /></a></div> </div> <div class="oflo-hide shareMobile" style="width:103px; margin:0 auto 15px auto;"> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="fl" style="padding-right:18px;"><a name="MobileLinkedIn" id="MobileLinkedIn" class="interstitialMob" data-link="/m/pages/mobile/mobile-interstitial-linked-in.aspx" href="https://www.linkedin.com/company/merrill-edge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" border="0" height="20" width="22" /></a></div> <div class="fl" style="padding-right:20px;"><a name="MobileTwitter" id="MobileTwitter" class="interstitialMob" data-link="/m/pages/mobile/mobile-interstitial-twitter.aspx" href="https://twitter.com/merrilledge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" border="0" height="18" width="18" /></a></div> <div class="fl" style="padding-top:2px;"><a name="MobileYouTube" id="MobileYouTube" class="interstitialMob" data-link="/m/pages/mobile/mobile-interstitial-youtube.aspx" href="https://www.youtube.com/user/MerrillEdge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" border="0" height="14" width="20" /></a></div> </div> <br /> <strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong><br /> <table class="dtable bold"> <tr> <td>Are Not FDIC Insured</td> <td>Are Not Bank Guaranteed</td> <td>May Lose Value</td> </tr> <tr> <td>Are Not Deposits</td> <td>Are Not Insured by Any Federal Government Agency</td> <td>Are Not a Condition to Any Banking Service or Activity</td> </tr> </table> <br /> <div> <strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong> <br /><br />  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>   <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. 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All rights reserved. <br /><br /> 4326521 </div> </div>   <script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","name":"Bank of America Preferred Rewards for Merrill Clients","url":"https://www.merrilledge.com/preferred-rewards","description":"Discover the benefits and rewards of banking with Bank of America and investing with Merrill. Learn more about the Preferred Rewards program.","image":"https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg","keywords":"bank of america preferred rewards,preferred rewards,merrill edge preferred rewards,wfid23992868","mainEntity":[{"@context":"https://schema.org","@type":"Question","name":"What is Preferred Rewards?", "acceptedAnswer":{"@type":"Answer","text":"<p>Bank of America Preferred Rewards offers real benefits and rewards you can actually use. 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Or speak with Merrill Financial Solutions Advisors at <strong>888.MER.EDGE (888.637.3343)</strong> or visit a <a href='https://locators.bankofamerica.com/'>Bank of America financial center</a> near you.</p>"}}]} </script>   <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } 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style="padding-bottom:3px;">To find the small business<br /> retirement plan that works<br /> for you, contact:<p> <p><a target="_blank" rel="noopener noreferrer" 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</div> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="oflo-hide"> <div class="fl pr-15"><a name="FooterLinkedIn" id="FooterLinkedIn" class="interstitialdesk" data-link="/interstitial-linkedin" href="https://www.linkedin.com/company/merrill-edge"><img width="22" height="20" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" /></a></div> <div class="fl pr-15"><a name="FooterTwitter" id="FooterTwitter" class=" interstitialdesk" data-link="/interstitial-twitter" href="https://twitter.com/merrilledge"><img width="18" height="18" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" /></a></div> <div class="fl pt-2"><a name="FooterYouTube" id="FooterYouTube" class=" interstitialdesk" data-link="/interstitial-youtube" href="https://www.youtube.com/user/MerrillEdge"><img width="20" height="14" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" /></a></div> </div> </div> <div class="col col-4"> <div><h3>Unlimited $0 Trades</h3></div> <div class="w-180 lead-16 pb-5">With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimums<span class="adahidden">Footer footnote </span><sup>b</sup></div> <div class="w-180 lead-16 pb-15">Options contracts and other fees may apply<span class="adahidden">Footer footnote </span><sup>a</sup> </div> <div class="pb-5"><a name="footerOAO2" id="footerOAO2" href="/global-oao" class="cta orange"><span>Open an account<span class="adahidden"> with Merrill Edge Self-Directed</span></span></a></div> </div> </div> </div>  <div class="site-footer-980"> <div class="txt-gray2">  <span class="adahidden">Footer footnote </span><strong><script type="text/javascript"> var tradeSUP = "a";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id=D6007>Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footer footnote </span><script type="text/javascript"> var tradeSUP = "b";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice. <br/> <br/> For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus. </div>  <div class="txt-gray2" style="letter-spacing:-.1px;"><strong>Investment products offered through Merrill Lynch, Pierce, Fenner & Smith Incorporated, and insurance and annuity products offered through Merrill Lynch Life Agency Inc.:</strong></div> <div class="gov-notice"> <table class="bold" role="presentation"> <tbody> <tr> <td style="text-align:center;">Are Not FDIC Insured</td> <td style="text-align:center;">Are Not Bank Guaranteed</td> <td style="text-align:center;">May Lose Value</td> </tr> <tr> <td style="text-align:center;">Are Not Deposits</td> <td style="text-align:center;">Are Not Insured by Any Federal Government Agency</td> <td style="text-align:center;">Are Not a Condition to Any Banking Service or Activity</td> </tr> </tbody> </table> </div> <p><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <p><strong>The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.</strong></p> <p>Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.</p> <p>Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.</p> <p>Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.</p> <p><strong><em>Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.</em></strong></p> <p><strong>Expense Ratio</strong> – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.</p> <p>This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS1" id="FormCRS1" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a>.</p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.</span> </div>   <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6050">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, <a href="javascript:void(0);" id="DiscSIPC" name="DiscSIPC" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/sipc-interstitial','','270','280px');return false;">Member Securities Investor Protection (SIPC)<span class="adahidden"> popup</span></a> and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").</span> </div>  <p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").</p> <p>Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp.</p> </div> <div class="legal"> <div class="left mt-m" style="width: 77%;"> <a class="bookmark" name="Prvcy" id="Prvcy" target="_blank" href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html">Privacy</a> | <a class="bookmark" name="Secrty" id="Secrty" target="_blank" href="/security-center">Security</a> | <a name="SiteMap" id="SiteMap" href="/site-map">Site Map</a> | <a name="Glossary" id="Glossary" href="/glossary">Glossary</a> | <a href="https://olui2.fs.ml.com/SVE/Pages/SoftwareRequirements.aspx?sgt=3" target="_blank" >Software Requirements</a> | <a class="bookmark" name="RteExcns" id="RteExcns" href="https://www.ml.com/legal.html#tag2" target="_blank">Routing & Executions</a> | <a class="bookmark" name="WebAccess" id="WebAccess" href="https://www.bankofamerica.com/accessible-banking/overview/" target="_blank">Accessible Banking</a> <br /> <a name="prModal" id="prModal" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/advertising-practices-modal','','430','600px');return false;" href="javascript:void(0);">Advertising Practices<span class="adahidden"> popup</span></a> | <a name="FormbLib" id="FormbLib" href="/forms-library">Forms & Applications</a> | <a class="bookmark" name="LegalInfo" id="LegalInfo" href="https://www.ml.com/legal.html" target="_blank">Legal Information</a> | <a class="bookmark" name="BizCntnty" id="BizCntnty" href="https://www.ml.com/privacy-and-security-center/business-continuity-planning.html" target="_blank">Business Continuity</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf" target="_blank" name="DepositAccount" id="DepositAccount" rel="nofollow" >Deposit Account & Money Fund Rates (PDF)</a> <br /> <a class="bookmark" name="NewsRm" id="NewsRm" href="https://newsroom.bankofamerica.com/" target="_blank">Bank of America Newsroom</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS2" id="FormCRS2" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings"></a> </div> <div class="right"> <div class="site-logo" data-widget="Site Logo" style="margin:10px 0;"> <a href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> </div> <div class="copyrights txt-gray2"> <p>© 2025 Bank of America Corporation. 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}); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlLogo"}, null, null, $get("ctl00_ctl00_siteContent_cctlLogo")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlUtilityLinks"}, null, null, $get("ctl00_ctl00_siteContent_cctlUtilityLinks")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":1,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_globalHoverQuote")); }); Sys.Application.add_init(function() { $create(Sys.Extended.UI.TextBoxWatermarkBehavior, {"ClientStateFieldID":"ctl00_ctl00_siteContent_glQte__ClientState","WatermarkText":"Get Quote","id":"ctl00_ctl00_siteContent_glQte_ctl01"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.AutoCompleteExtender, {"FirstColumnDataField":"Symbol","RunMode":0,"SecondColumnDataField":"Description","StringResources":"{\"SRES_AUTO_NORECORDS\":\"No matches found\",\"SRES_CLOSE\":\"Close\",\"SRES_AUTO_NORECORDS_DESC\":\"We did not find any matches for the information you entered. Please try again.\",\"STES_MULTIPLE_MATCHES\":\"{0:###,###,##0} Match{1} Found\"}","acDelay":1500,"appID":"GQ","completionInterval":1500,"completionListCssClass":"quote_completionListElement","completionListHeight":"250px","completionListItemCssClass":"quote_listItem","completionListItemFirstColumnCssClass":"quote_listItem_firstColumn","completionListItemFooterCssClass":"quote_headerrow","completionListItemSecondColumnCssClass":"quote_listItem_secondColumn","completionSetCount":20,"delimiterCharacters":"","headerRowCssClass":"quote_listItem quote_headerrow","highlightedItemCssClass":"quote_highlightedListItem","id":"bAutoComp","isAutoCompOnPopup":false,"minimumPrefixLength":1,"serviceMethod":"GetSymbolAutoComplete","servicePath":"/m/cse/uiservices/PlatformControlService.asmx","showFooterLink":true,"showFooterLinkByCount":false,"symbolLookupRunParam":"RUN_RISymbolLookUpUI_VendorSymbolLookUp"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":0,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_glQte_GlobalQuote1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ContextualGlossaryTermBehavior, {"Configuration":"{\u0027Width\u0027:\u0027\u0027,\u0027Height\u0027:\u0027\u0027, \u0027_iDsToDecorate\u0027:[]}","Data":"","VisibleCloseLink":true,"id":"ctl00_ctl00_siteContent_ContextualGlossaryTermExtender1"}, null, null, $get("ctl00_ctl00_siteContent_dvCGTContext")); }); Sys.Application.add_init(function() { $create(MerrillLynch.Application.Online.MicroSite.GlobalNavigation.RenderMenu, null, null, null, $get("ctl00_ctl00_siteContent_nmMEMenu")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.MegaNavMenu, {"ApplyNavigationMatrixRule":true,"MegaNavData":"","MegaNavMode":"Default","MegaNavTargetElements":"[{\"ElementId\":\"liMenu_ME_WHYEDGE\",\"NavDataId\":\"ME_WHYEDGE\"},{\"ElementId\":\"liMenu_ME_INVESTINGANDTRADING\",\"NavDataId\":\"ME_INVESTINGANDTRADING\"},{\"ElementId\":\"liMenu_ME_GUIDANCEANDRETIREMENT\",\"NavDataId\":\"ME_GUIDANCEANDRETIREMENT\"},{\"ElementId\":\"liMenu_ME_RESEARCH\",\"NavDataId\":\"ME_RESEARCH\"},{\"ElementId\":\"liMenu_ME_EDUCATION\",\"NavDataId\":\"ME_EDUCATION\"},{\"ElementId\":\"liMenu_ME_OPENANACCOUNT\",\"NavDataId\":\"ME_OPENANACCOUNT\"}]","MegaNavTargetMenuId":"siteNav","RenderMode":0,"hiddenMegaNavDataElements":"[]"}, null, null, $get("MegaNavMenu1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"preferred-rewards","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epreferred-rewards\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ecphL2HeaderZone\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","preferred-rewards","location","cphL2HeaderZone","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"preferred-rewards","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epreferred-rewards\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","preferred-rewards","location","phZone1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"preferred-rewards","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epreferred-rewards\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","preferred-rewards","location","phZone2","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"preferred-rewards","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_ME_Disclaimer","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epreferred-rewards\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"type\" type=\"\" description=\"\"\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","preferred-rewards","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"}, null, null, $get("ctl00_ctl00_siteContent_cctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlFooter"}, null, null, $get("ctl00_ctl00_siteContent_cctlFooter")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_ecmsWPRcctlSection_Tracking_Tags"}, null, null, $get("ctl00_ctl00_cctlSection_Tracking_Tags")); }); //]]> </script> </form> </body> </html>