Recursos y perspectivas de contabilidad para empresas

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data-bactmln="Tile-_-Hyperlink-_-mujeres-y-minoras-dueas-de-negocios-destacadas-de-2024_[position]_https://newsroom.bankofamerica.com/content/dam/newsroom/docs/2024/2024%20Women%20and%20Minority%20Business%20Owner%20Spotlight.pdf"> <div class="tile tile--default"> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/2024-Women-and-Minority-Business-Owner-Spotlight/WEB-10-24-0063-tile-640x360.jpg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <p class="tile__headline header--default-color "> Mujeres y minorías dueñas de negocios destacadas de 2024 </p> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Una visión general de las perspectivas de los dueños de pequeñas empresas de todo el país, con secciones dedicadas a las mujeres, los hispanos, los afroamericanos y los asiaticoamericanos y de las islas del Pacífico (Asian American and Pacific Islander, o AAPI) dueños de negocios.</p> </div> </div> </div> </a> </div> </div> </div> </div> </div> </simple-collapse> </li> </ul> </nav> <div class="main-navigation__search"> <div class="navigation-search " data-props-repository="business" data-props-results-location="https://business.bankofamerica.com/content/business-ecosystem/search.html" data-props-keywords="What is a business line of credit|What is an SBA loan|How to open a business account|How to start a business|How to find capital|What is a DBA|How to write a business plan|Gross versus net income|What is working capital|What is free cash flow|What is a business credit score|How to accept payments|Business taxes|What is an EIN|What is an LLC" data-props-max-keywords="6" data-action="navigation-search-component"> <div class="navigation-search__search-box"> <input class="navigation-search__input-text js-navigation-search-input" aria-label="Enter your 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</div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Por qué y cómo mantener separadas las finanzas personales de las comerciales </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Obtenga orientación paso a paso sobre cómo organizar y configurar las finanzas de un negocio para proteger a sus dueños, agilizar la contabilidad y establecer el crédito comercial.</p> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 9 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/don-t-fear-the-b-word-how-budgets-can-liberate-your-business.html" data-bactmln="Tile-_-Hyperlink-_-cmo-crear-un-presupuesto-para-su-negocio_[position]_/resources/don-t-fear-the-b-word-how-budgets-can-liberate-your-business.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/don-t-fear-the-b-word-how-budgets-can-liberate-your-business/sbr044_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Cómo crear un presupuesto para su negocio </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Si desea aumentar las probabilidades de tener un negocio exitoso, comience por crear un presupuesto. Aquí le mostramos cómo crear un presupuesto y usarlo para tomar las mejores decisiones para su negocio.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 7 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/cash-vs-accrual-accounting.html" data-bactmln="Tile-_-Hyperlink-_-contabilidad-basada-en-dinero-en-efectivo-frente-a-acumulativa:-qu-es-lo-mejor-para-mi-pequea-empresa?_[position]_/resources/cash-vs-accrual-accounting.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/cash-vs-accrual-accounting/sbr013_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Contabilidad basada en dinero en efectivo frente a acumulativa: ¿qué es lo mejor para mi pequeña empresa? </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Aquí le mostramos cómo funcionan los métodos contables, sus ventajas y desventajas, y cómo seleccionar el adecuado para su negocio.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 5 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/how-to-get-more-out-of-your-relationship-with-your-cpa.html" data-bactmln="Tile-_-Hyperlink-_-cmo-aprovechar-al-mximosurelacin-consucpa_[position]_/resources/how-to-get-more-out-of-your-relationship-with-your-cpa.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/how-to-get-more-out-of-your-relationship-with-your-cpa/sbr053_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Cómo aprovechar al máximo su relación con su CPA </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Aprovechar al máximo el conocimiento de su contador público certificado (certified public accountant, o CPA) puede ayudarle a alcanzar sus objetivos comerciales más rápidamente y evitar errores costosos. Aprenda a aprovechar su experiencia todo el año.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 5 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/basics-of-cloud-based-accounting.html" data-bactmln="Tile-_-Hyperlink-_-los-aspectos-bsicos-de-la-contabilidad-basada-en-la-nube_[position]_/resources/basics-of-cloud-based-accounting.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/basics-of-cloud-based-accounting/sbr090_640x360.jpg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Los aspectos básicos de la contabilidad basada en la nube </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Los sistemas contables basados en la nube le permiten acceder a datos y software financiero desde cualquier lugar. Aprenda los aspectos básicos y qué considerar al evaluar las opciones para su negocio.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 4 minutos</div> </div> </div> </div> </a> </div> </div> </div> <div class="container"> <div class="tile-container__show-more js-tile-container-show-more"> <div class="cta-container cta--left"> <button class="cta cta--primary cta--royal-blue t-track-cta-button" data-bactmln="CTAButton-_-CTA-_-mostrar-ms_/content/boaml/en_us/article/B1_009.html">Mostrar más</button> </div> </div> <div class="tile-container__show-less js-tile-container-show-less"> <div class="cta-container cta--left"> <button class="cta cta--primary cta--royal-blue t-track-cta-button" data-bactmln="CTAButton-_-CTA-_-mostrar-menos_#">Mostrar 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class="header__headline header--default header--red"> Estados financieros </h2> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Conozca cómo utilizar los estados financieros para evaluar la salud financiera de su negocio, detectar oportunidades y reducir riesgos.</p> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--tile-container"> <div class="tile-container tile-container--content tile-container--col-3 " data-action="tile-container-component" data-props-show-more data-props-initial-load-count="3" data-props-show-items-count="5"> <div class="container"> <div class="tiles row page-tiles "> <div class="aem-wrap--tile"> <a class="tile-anchor 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</div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 4 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/how-to-understand-and-use-a-profit-loss-statement.html" data-bactmln="Tile-_-Hyperlink-_-entenderun-estado-degananciasyprdidas-pandl_[position]_/resources/how-to-understand-and-use-a-profit-loss-statement.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/how-to-understand-and-use-a-profit-loss-statement/sbr058_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Entender un estado de ganancias y pérdidas (P&L) </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>¿Su negocio es rentable? ¿Los costos son razonables? ¿Se están generando suficientes ventas? Un estado de ganancias y pérdidas (Profit and Loss, o P&L) puede ayudarle a responder estas preguntas críticas.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 3 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default " href="/resources/what-is-working-capital/es.html" data-bactmln="Tile-_-Hyperlink-_-capital-de-trabajo:-qu-es-y-por-qu-es-importante_[position]_/resources/what-is-working-capital/es.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/what-is-working-capital/sbr120_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Capital de trabajo: qué es y por qué es importante </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Tener suficiente capital de trabajo puede marcar la diferencia a la hora de establecer un negocio próspero y listo para explorar nuevas oportunidades.</p> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 6 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/gross-vs-net-income.html" data-bactmln="Tile-_-Hyperlink-_-cul-es-la-diferencia-entre-ingreso-bruto-e-ingreso-neto?_[position]_/resources/gross-vs-net-income.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/gross-vs-net-income/sbr113_640x360.jpg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> ¿Cuál es la diferencia entre ingreso bruto e ingreso neto? </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Los ingresos brutos y netos son dos indicadores clave utilizados para evaluar el desempeño de un negocio. Conocer la diferencia es esencial para conocer la salud financiera de su negocio.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 4 minutos</div> </div> </div> </div> </a> </div> </div> </div> <div class="container"> <div class="tile-container__show-more js-tile-container-show-more"> <div class="cta-container cta--left"> <button class="cta cta--primary cta--royal-blue t-track-cta-button" data-bactmln="CTAButton-_-CTA-_-mostrar-ms_/content/boaml/en_us/article/B1_009.html">Mostrar más</button> </div> </div> <div class="tile-container__show-less js-tile-container-show-less"> <div class="cta-container cta--left"> <button class="cta cta--primary cta--royal-blue t-track-cta-button" data-bactmln="CTAButton-_-CTA-_-mostrar-menos_#">Mostrar menos</button> </div> </div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-medium separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-medium separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_72999" class="layout-container "> <div class="layout-container__content layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--page-anchor"> <a id="Impuestos" class="page-anchor" href="#Impuestos">Section</a> </div> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--h2 header--red"> Impuestos </h2> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Encuentre estrategias para mantenerse al día con sus impuestos durante todo el año, y ahorrar estrés, tiempo y gastos durante la temporada de impuestos.</p> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--tile-container"> <div class="tile-container tile-container--content tile-container--col-3 " data-action="tile-container-component" data-props-show-more data-props-initial-load-count="3" data-props-show-items-count="4"> <div class="container"> <div class="tiles row page-tiles "> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default " href="/resources/tax-basics-for-small-businesses/es.html" data-bactmln="Tile-_-Hyperlink-_-informacin-fiscal-bsica-para-las-pequeas-empresas_[position]_/resources/tax-basics-for-small-businesses/es.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/tax-basics-for-small-businesses/sbr089_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Información fiscal básica para las pequeñas empresas </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>A veces, los nuevos empresarios pasan por alto los impuestos. Planifique los impuestos comerciales desde el primer día para garantizar su exactitud y reducir el riesgo de sanciones impositivas en el futuro.</p> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 10 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default js-trigger__interstitial-leaving-spanish" href="/resources/tax-tips-for-small-business-owners.html" data-bactmln="Tile-_-Hyperlink-_-8-consejos-fiscales-para-propietarios-de-pequeas-empresas_[position]_/resources/tax-tips-for-small-business-owners.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/tax-tips-for-small-business-owners/sbr006_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> 8 consejos fiscales para propietarios de pequeñas empresas </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Los propietarios de empresas a menudo buscan formas de minimizar la responsabilidad fiscal de su compañía. Analice estos consejos con su profesional en impuestos para reducir potencialmente su responsabilidad fiscal.</p> </div> <div class="tile__metadata "> <span class="uc-icon-geography-market-region-global"></span> <div class="tile__metadata-text">Solo disponible en inglés</div> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 7 minutos</div> </div> </div> </div> </a> </div> <div class="aem-wrap--tile"> <a class="tile-anchor js-tile-anchor js-tile-tag-link t-track-tile-link tile--outline-default " href="/resources/what-every-small-business-owner-needs-to-know-about-quarterly-taxes/es.html" data-bactmln="Tile-_-Hyperlink-_-lo-que-los-propietarios-de-pequeas-empresas-necesitan-saber-sobre-los-impuestos-trimestrales_[position]_/resources/what-every-small-business-owner-needs-to-know-about-quarterly-taxes/es.html"> <div class="tile js-tile "> <div class="tile__image-container"> <img class="tile__image " width="640" height="360" src="/content/dam/business-ecosystem/resources/what-every-small-business-owner-needs-to-know-about-quarterly-taxes-es/sbr099_640x360.png" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--default-color "> Lo que los propietarios de pequeñas empresas necesitan saber sobre los impuestos trimestrales </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Por lo general, los dueños de negocio tienen que pagar impuestos estimados después del final de cada trimestre. Conozca el proceso y las principales estrategias que pueden ayudarle a seguir el ritmo.</p> </div> <div class="tile__metadata "> <span class="icon-communication-book"></span> <div class="tile__metadata-text">Lectura de 6 minutos</div> </div> </div> </div> </a> </div> </div> </div> <div class="container"> <div class="tile-container__show-more js-tile-container-show-more"> <div class="cta-container cta--left"> <button class="cta cta--primary cta--royal-blue t-track-cta-button" data-bactmln="CTAButton-_-CTA-_-mostrar-ms_/content/boaml/en_us/article/B1_009.html">Mostrar más</button> </div> </div> <div class="tile-container__show-less js-tile-container-show-less"> <div class="cta-container cta--left"> <button class="cta cta--primary cta--royal-blue t-track-cta-button" data-bactmln="CTAButton-_-CTA-_-mostrar-menos_#">Mostrar menos</button> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-medium separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--experience-fragment"> <div id="experience-fragment-00cfe19a41" class="experience-fragment experience-fragment--ready-to-meet-with-a-specialist"> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-100 background-container--pb-100"> <div class="background-container__content container-fluid background-container--blue" style="background-color:#c81434;"> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--h2 header--white"> ¿Está listo para reunirse con un especialista? </h2> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p class="color-white">Ya sea que necesite reunir capital, mejorar el proceso de pagos, remodelar, actualizar equipos, ampliar o mejorar los esfuerzos de contratación y retención, trabajemos juntos para darle forma a su futuro.</p> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--cta"> <div class="cta-container cta--center"> <a class="cta cta--primary cta--white t-track-cta-link t-track-cta-link t-track-schedule-specialist t-track-cta-schedule-base js-trigger__interstitial-leaving-spanish" target="_self" href="https://business.bofa.com/en-us/content/banking-for-business.html#findaspecialist" data-bactmln="StandaloneCTA-_-CTA-_-programar-una-cita_https://business.bofa.com/en-us/content/banking-for-business.html#findaspecialist"> Programar una cita</a> </div> </div> </div> </div></div> </div> </div> <div class="aem-wrap--experience-fragment"> <div id="experience-fragment-6dce90d3ee" class="experience-fragment experience-fragment--disclaimer-es"> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-60 background-container--pb-60"> <div class="background-container__content container-fluid background-container--gray"> <div class="aem-wrap--layout-container"> <div id="layout_78985" class="layout-container "> <div class="layout-container__content container container--mobile layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><b>Información y divulgaciones importantes</b></p> <p> </p> <div style="border: 1.0px solid;text-align: left;padding: 10.0px;"><b>Es posible que los materiales relacionados con la cuenta solo estén disponibles en inglés, lo que incluye, entre otros, solicitudes, divulgaciones, contenido en línea y móvil y otras comunicaciones relacionadas con el producto.<b></b></b></div> <p><b><b> </b></b></p> <p> </p> <p>Bank of America, Merrill, sus afiliadas y sus asesores no proporcionan asesoramiento legal, fiscal o contable. 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