Bank of America Advantage Banking

Let’s talk today or you can pick a time to talk at bankofamerica.com/appointments.

BankofAmerica

Advantage

SafeBalance Banking

Simple banking

We’ll waive the $4.95 monthly maintenance

fee each statement cycle you meet one of

the following:

• An owner of this account is under the age

of 25

• Maintain a minimum daily balance

of $500 in your account or

• Are a member in our PreferredRewards

program

Features and benefits include:

• Digital Banking in the palm of your hand —

no paper check writing with this account.

• Helps keep you from spending more than

you have — no overdraft fees

• A great start for students and young adults

BankofAmerica

Advantage

Plus Banking

Flexible banking

We’ll waive the $12 monthly maintenance

fee each statement cycle you meet one

of the following:

• Have at least one qualifying direct

deposit of $250 or

• Maintain a minimum daily balance

of $1,500 in your account or

• Are a member in our Preferred

Rewards program

Features and benefits include:

• Digital Banking with the choice to pay

using a variety of methods

• Multiple ways to waive the monthly

maintenance fee — including direct

deposit

• Option to enroll in Balance Connect®

for overdraft protection

BankofAmerica

Advantage

Relationship Banking

Comprehensive banking

We’ll waive the $25 monthly maintenance

fee each statement cycle you meet one of

the following:

• Maintain a minimum daily balance

of $20,000 in your account or

• Are a member in our PreferredRewards

program

Features and benefits include:

• Earns interest

• Digital Banking with the choice to pay using

a variety of methods

• Option to enroll in Balance Connect® for

overdraft protection

• No fees on select deposit services

• No monthly maintenance fees on up to

seven eligible accounts when you ask us

to link

them to your primary Advantage

Relationship Banking account

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Please see Personal Schedule of Fees for more information on how to link eligible accounts to avoid the monthly maintenance fee,

and for other account fees and important details.

Bank of America

SafeBalance Banking

Certiﬁed 2023 – 2024

since October 2015

Get the flexibility you deserve with three distinct

accounts to help meet you wherever you are in

your journey.

BankofAmerica

Advantage Banking

95-53-6089NSB | 01/2024

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Fiduciary titled accounts, including UTMA/UGMA, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Please refer to your Personal Schedule of

Fees for more information.

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, $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:

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, 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.

While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved

for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal and then add a tip. In this situation, the

full payment may go through and result in a negative balance on your account, but we will not charge you an overdraft fee.

Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible BankofAmerica accounts for overdraft protection. This optional service can

help you cover your payments and purchases and help avoid overdrafts and overdraft fees by automatically transferring available funds from your linked backup account(s) when needed. If

your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Transfers from a linked (1) brokerage account with

MerrillLynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s)

for additional details. Balance Connect® is not available with SafeBalance Banking® as a covered or linked backup account. Balance Connect® is available on Advantage Savings as a linked

backup account, but not eligible to be enrolled as a covered account.

No fee for incoming domestic wire transfers, stop payments and other services. Please refer to your Personal Schedule of Fees for details.

Three additional Advantage Relationship Banking accounts and four savings accounts with no monthly maintenance fee when you ask us to link them to your primary Advantage

Relationship Banking account.

Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card.

Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction

by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred

prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for iPad, iPhone

and Android devices. Data connection required. Wireless carrier fees may apply.

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 U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Transactions between

enrolled users typically occur in minutes, and transactions between enrolled consumers do not typically incur transaction fees from Bank of America. 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, if you do not receive the item you paid for using Zelle® or the item received is not as described.

Regular account fees apply.

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.

You must be enrolled in Online Banking or Mobile Banking to participate in the BankAmeriDeals® program and have either an eligible BankofAmerica® debit or credit card or Merrill credit

card. Earned cash back will be credited into an eligible consumer deposit or credit account within 30 days following redemption. Data connection required. Wireless carrier fees may apply.

Notify us within a reasonable time of the unauthorized use or the loss or theft of your card, card number, or PIN. Certain restrictions apply. Consult your account documents for details.

Deposit, mortgage and home equity products are provided by BankofAmerica, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofACorp. 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. Please review the Personal

Schedule of Fees, available at bankofamerica.com/fees and your local financial center.

BankofAmerica Advantage SafeBalance Banking®, BankofAmerica Advantage Plus Banking®, BankofAmerica Advantage Relationship Banking®, BankAmeriDeals® & Balance Connect®,

BankofAmerica and the BankofAmerica logo are registered trademarks of BankofAmerica Corporation.

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

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 advisor, Member SIPC, and a wholly owned subsidiary of BofACorp.

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

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