¹ Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Menu > Help > Browse More Topics > Mobile Check Deposit for details and other terms and conditions. Message and data rates may apply.

² Alerts. You may elect to receive alerts via text or email. Bank of America does not charge for this service, but your mobile carrier’s message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

³ Wire Transfers. Fees or other costs may apply to wire transfers. See the Online Banking Service Agreement for details. Data connection required. Carrier fees may apply.

⁴ The mobile feature, Erica®, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance.

⁵ CASH BONUS OFFER TERMS
Offer valid through December 31, 2025. This is a limited time offer and is not available for use in combination with other offers. Bank of America may change or discontinue this offer at any time without a notice before that date.

Offer limitations: You are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve (12) months. The new checking account must be owned or co-owned only by one or more individuals. Non-personal, fiduciary or trust accounts will not satisfy the checking account requirements. Offer limited to one incentive per client. Clients must have a U.S. domestic address (this includes Puerto Rico and PO Boxes) to qualify for this offer. Clients with any foreign address are not eligible for this offer.

Bank of America Advantage SafeBalance Banking®, Bank of America Advantage Plus Banking®, and Bank of America Advantage Relationship Banking® (collectively, "Bank of America Advantage Banking") accounts are eligible for this offer. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.

How it works:

• Meet with a Merrill advisor or Wealth Management Banking Specialist to discuss the offer.
• Open a new eligible Bank of America checking account by December 31, 2025. See above for a list of eligible checking accounts.
• Deposit $20,000 – $49,999 to be eligible to receive a $750 bonus or $50,000 or more to be eligible to receive a $1,000 bonus ("cash bonus tier") in "new money" directly into the new eligible checking account within 30 days of account opening (the "deposit period"). New money is money not currently or previously held in other accounts at Bank of America, Merrill, Bank of America Private Bank, or retirement plan accounts administered by Merrill or Bank of America. At the end of the deposit period, all new money deposits made to your account will be totaled to determine the balance requirement you have met and the corresponding cash bonus tier for which you are eligible.
• Maintain a daily balance in that new eligible account that meets the applicable balance requirement of the cash bonus tier noted above during the "maintenance period." The maintenance period begins 31 days after opening the checking account and ends 120 days after account opening. During the maintenance period, if your daily balance drops below the minimum cash bonus tier noted above you will no longer be eligible for the cash bonus.
• Bank of America checking account must be deemed "active" within 120 days of opening the new account by completing any combination of 5 qualifying activities through the account within 120 days to receive the bonus. Qualifying activities include:
  1. Sending a payment using Zelle®, 2 making a Bank of America or Merrill Mobile Check Deposit 3 or using Bank of America Bill Pay 4 or;
  2. Have a "Qualifying Direct Deposit" made into the account. A "Qualifying Direct Deposit" is a direct deposit of regular monthly income — such as your salary, pension or Social Security benefits, which are made by your employer or other payer — using account and routing numbers that you provide to them. Examples of transfers and deposits that are not a Qualifying Direct Deposit include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill account.

Your account does not qualify for the bonus described until you provide all the information and account opening documentation by the promotion end date.

TAX DISCLAIMER: This includes information we require to identify each account owner and to report the value of the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of the bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.

If the offer requirements are met for the bonus, we will attempt to deposit the earned bonus directly into your eligible Bank of America Advantage Banking account after 30 days but no more than 60 days following the end of the 120-day period after account opening: if we are unable to do so, a check will be issued. Your new Bank of America Advantage Banking account must be open and in good standing up to and including the date any earned bonus is paid to receive the bonus.

All account applications are subject to approval. The minimum deposit required to open a Bank of America Advantage Relationship Banking® account is $100, and the Annual Percentage Yield (APY) is as follows: less than $50,000, 0.01%; $50,000 and over, 0.02%. APYs are accurate as of 8/28/2025.

The minimum deposit required to open a Bank of America Advantage Relationship Banking® for Wealth Management account is $100. The Annual Percentage Yield (APY) for Bank of America Advantage Relationship Banking for Wealth Management is as follows: less than $50,000, 0.01%; $50,000 to less than $99,999, 0.02%; $100,000 – $999,999, 0.02%; $1,000,000 or over, 0.02%. APYs are accurate as of August 28, 2025. Bank of America Advantage Relationship Banking for Wealth Management is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. View additional rates for other types of checking accounts here: https://www.bankofamerica.com/deposits/bank-account-interest-rates/.

⁶ Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® 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 and $1,000,000 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:

1. a three-month combined average daily balance in your qualifying deposit and investment accounts, or

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.

Refer to your Personal Schedule of Fees 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 Honors tier regardless of 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 CEBI Program for details.

⁷ Preferred Rewards Credit Card Bonus. Certain credit cards are eligible to receive a Preferred Rewards bonus. Enrolled Preferred Rewards members with eligible Bank of America® 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, 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.

⁸ Preferred Rewards No Fee Banking. Refer to the Personal Schedule of Fees for information on which fees are waived for Preferred Rewards members and other Program benefits

⁹ Preferred Rewards First Mortgage. 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 Honors interest rate reduction of 0.375% 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 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 Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable-rate mortgages (except PrimeFirst®), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst® 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. Credit and collateral subject to approval. Terms and conditions apply. Programs, rates, terms and conditions subject to change without notice.

¹⁰ Preferred Rewards Lifestyle Benefits. You must be enrolled in the 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. Must be 21 years of age or older to participate in offers which include alcohol.

¹¹ The Loan Management Account® (LMA® account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. Equal Opportunity Lender. The LMA account requires a brokerage account at Merrill Lynch, Pierce, Fenner & Smith Incorporated and sufficient eligible collateral to support a minimum credit facility size of $100,000. All securities are subject to credit approval and Bank of America, N.A. may change its collateral maintenance requirements at any time. Securities-based financing involves special risks and is not for everyone. When considering a securities-based loan, consideration should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. The securities or other assets in any collateral account may be sold to meet a collateral call without notice to the client, the client is not entitled to an extension of time on the collateral call, and the client is not entitled to choose which securities or other assets will be sold. The client can lose more funds than deposited in such collateral account. The LMA account is uncommitted and Bank of America, N.A. may demand full repayment at any time. A complete description of the loan terms can be found within the LMA agreement. Clients should consult their own independent tax and legal advisors. Some restrictions may apply to purpose loans, and not all managed accounts are eligible as collateral. All applications for LMA accounts are subject to approval by Bank of America, N.A. For fixed rate and term advances, principal payments made prior to the due date will be subject to a breakage fee.

¹² Credit facilities are provided by Bank of America, N.A., Member FDIC, its subsidiaries or other bank subsidiaries of Bank of America Corporation, each an Equal Opportunity Lender . All loans and collateral are subject to credit approval and may require the filing of financing statements or other lien notices in public records. Asset-based and securities-based financing involves special risks and is not for everyone. When considering an asset-based and/or securities-based loan, consideration should be given to individual requirements, asset portfolio composition, and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. For any loan with securities collateral, the securities or other assets in any collateral account may be sold to meet a collateral call as provided in the definitive loan documents and the client is not entitled to choose which securities or other assets will be sold. A complete description of the loan terms will be found in the individual credit facility documentation and agreements. Clients should consult with their own independent tax and legal advisors.

¹³ Transfers: Fees may apply to certain transfers. See the Online Banking Service Agreement for details. Data connection required. Carrier fees may apply.

¹⁴ Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a Zelle® eligible U.S. checking or savings account. Bank of America transfers must be made from an eligible consumer or business deposit account. Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back – for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply. Zelle® is not available on Bank of America Advantage SafeBalance Banking® for Family Banking accounts.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹⁵ Bill Pay. Payments made through Bill Pay with your Bank of America Advantage SafeBalance Banking® account will be withdrawn from your account before delivery to the payee. If there are not enough funds in your account when we attempt to withdraw the payment amount, the payment will not be sent. Please see the Online Banking Service Agreement at www.bankofamerica.com/serviceagreement for details.