Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “Merrill” or “MLPF&S”) is providing access to this third-party website and associated disclaimers by way of a third-party vendor, CMP.LY. Merrill has no affiliation with CMP.LY nor does it explicitly or implicitly endorse CMPLY or the services it provides.

You are about to visit a website not affiliated with Merrill or Bank of America and that may offer a different privacy policy and level of security. Bank of America is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services offered or expressed on other websites.

Merrill is providing a link to this third-party website only as a convenience to you. Merrill and its parent, subsidiaries, and affiliates have no affiliation with this website, and do not control the accuracy, completeness, timeliness or appropriateness of any content, links, or information contained in, or displayed on, the website. Merrill and its parent, subsidiaries and affiliates do not explicitly or implicitly endorse or approve, or pay for, or participate in any way in the development of, any content, links, or information contained within, or accessible to or from the third party website. Merrill and its parent, subsidiaries and affiliates do not investigate, verify, or monitor any content, links, or information contained within or accessible to or from the third party website, and do not know, or have reason to know, if any such content, links, or information is false or misleading. If you choose to access this third-party website, then you will be subject to that website’s terms of use, information security, and privacy policies, if any, over which Merrill and its parent, subsidiaries, and affiliates have no control or influence. In no event will Merrill or its parent, subsidiaries or affiliates be liable or responsible for any information, links, or content within or accessible to or from the third party website that you access, or liable or responsible for any decision or action that you take relating to your use or access of that website. Nothing contained in any content provided by Merrill to the third party website is, or can be construed to be, an offer to sell or a solicitation to purchase any security, investment product, or other financial product or service, an official confirmation of any transaction, or an official statement of Merrill or its affiliates or subsidiaries.

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.

This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

Any ranking or ratings provided are not representative nor indicative of any one client’s experience, future performance, or investment outcome.

Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

Asset allocation, diversification or rebalancing does not ensure a profit or protect against loss in declining markets. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “Merrill” or “MLPF&S”) 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.

Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of BofA Corp.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC, and wholly-owned subsidiaries of BofA Corp.

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

© 2022 Bank of America Corporation. All rights reserved.

3796588