Bank of America | Online Banking | Service Agreement

A. in case of errors or questions about your electronic transactions

Send us a secure online mail message or call us at 800.432.1000

If you are calling from outside of the continental U.S., call us collect at 925.681.7600

You may also write us at:

Bank of America

FL1-300-02-07P.O. Box 25118Tampa, FL 33622-5118

Contact us immediately if you think:

We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a transfer from an account maintained at another financial institution).

If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) business days (Online Banking customers may use secure online mail). When you contact us, please provide the following information:

Please explain as clearly as you can why you believe there is an error or why you need more information.

We will determine whether an error occurred within 10 business days after we hear from you, and we will promptly correct any error we have made. If we need more time, however, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation.

If we ask you to put your complaint or question in writing, and we do not receive your letter in 10 business days, we reserve the right not to provisionally credit your account.  For errors involving new accounts, we may take up to 90 days to investigate your complaint or question and up to 20 business days to provisionally credit your account.

We will tell you the results within 3 business days after we complete our investigation.  If we conclude there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation.

If your transaction was a Remittance Transfer (transfer of funds initiated by a consumer primarily for personal, family or household purposes to a designated recipient in a foreign country), please see the error resolution procedures in Section 5.F.

B. limitation of liability for online banking transactions

Tell us at once if you believe your Online Banking passcode has been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately. The unauthorized use of your Online Banking services could cause you to lose all of your money in your accounts, plus any amount available under your overdraft protection plan.

You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed to you (or 90 days if the transaction was from an account maintained at another financial institution).

If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

If you give your Online ID and passcode and grant authority to make transfers to a person who exceeds the authority given, you are responsible for all transactions that person performs unless you notify us that the transfers by that person are no longer authorized. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

Note: These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to business accounts. Our liability policy regarding unauthorized Online Banking transactions on consumer deposit accounts may give you more protection, provided you report the transactions promptly.

B. types of ach and wire transfers

You may send and receive the following types of ACH and Wire transfers:

1/ For domestic transfers, funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the same business day, next business day or third business day after the transfer is initiated, depending on your choice.

2/ For Direct Payments Service, see the Business Services Addendum for details on fees and limits.

3/ Higher limits may apply for Bank of America Private Bank or Merrill. You may be eligible for higher limits if you enroll in SafePass. Learn more about SafePass.

4/ You will be charged $25 for each transfer trace that you ask us to execute for you. International transfers may be subject to additional fees charged by intermediary, receiving and beneficiary banks.

5/ To be eligible to receive a next business-day ACH transfer, you must first have received an aggregate of $500.00 in one or more three business day ACH transfers, and the first three business day ACH transfer must have been at least 60 days prior to the first next business day ACH transfer.

6/ For international outbound transfers, funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer. Bank of America will send the payment out on that business day and, except for Remittance Transfers the beneficiary’s bank typically receives the funds 1 to 2 business days later and the funds typically will be credited to the beneficiary within 2 business days. See Section 5.F for special rules applicable to Remittance Transfers.

ACH/Wires send limits are set at the customer profile (Online ID) and apply to all accounts visible in the “From” dropdown when initiating an ACH/Wire payment. If you are a Small Business customer and are not receiving the Small Business limits, make sure you are signed in with your Small Business Online ID.

You may also move money within the U.S. without a transfer fee by using Zelle (described in Section 4 above) or Bill Pay (described in Section 3 above). ACH and Wire transfers are alternatives that allow you to transfer funds when delivery of funds domestically by a specific date is critical or when you are transferring funds outside the U.S.

C. transfer rules

  • Small business customers may transfer funds from their business checking account to an individual’s or vendor’s account at another financial institution. Before scheduling a transfer to an individual, you agree that you will have received a signed authorization from the payee, and that the authorization will not have been revoked. You agree to provide a copy of the authorization to us upon our request. Before scheduling any vendor payment, you agree that you will have received authorization from the vendor to make the payment by electronic means.
  • You will need to provide certain identifying information about each non-Bank of America account in order to register that account for this Service. For inbound transfers, you agree that you will only attempt to register non-Bank of America personal accounts that you own or for which you have the authority to transfer funds. Same-Business-Day Wire transfers are not available for inbound transfers. Transfers to accounts located outside the United States are available for outbound transfers only and are subject to the delivery times indicated above. Next-Business-Day and Three-Business-Day ACH transfers are not available for international transfers.
  • Bank of America cannot guarantee the timely delivery or return of funds as a result of the failure of another financial institution to act in a timely manner. Please note that beneficiary banks located in some countries may take several days or even weeks to credit the receiving account. There may be some risk in making a transfer to a slow-to-pay country. Currency conversion charges also may apply to international outbound transfers.
  • For each transfer, we will e-mail a confirmation to you at the e-mail address indicated in our records. The confirmation will note the date and the amount of the transfer and the bank or institution to or from which the transfer was made. You agree to examine the confirmation promptly upon receipt and to notify us immediately of any discrepancy between the confirmation and your records. Bank of America will not be liable for interest compensation, as otherwise set forth in this Agreement, unless Bank of America is notified of the discrepancy within 30 days from the date of your receipt of the confirmation or your bank statement including the transfer, whichever is earlier. You acknowledge and agree that if a payment order relating to a transfer describes a beneficiary inconsistently by name and account number, payment might be made by the beneficiary’s bank on the basis of the account number, even if it identifies a person different from the named beneficiary, and that your obligation to pay the transfer issued by you to us shall not be excused by such payment.
  • You agree that you will have sufficient available funds in the designated deposit account to cover all outbound transfers on the date scheduled. If an account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. If we do elect to initiate the transfer, which may involve one or more attempts on subsequent business days, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees, as set forth in your Deposit Agreement.
  • You agree that Bank of America may use any means or routes which we in our sole discretion consider suitable to execute your transfer. For small business customers, if you transfer funds in U.S. dollars to a non-U.S. dollar account, your payment may be converted into the local currency by any originating, intermediary or receiving bank, payment system or payment service provider, including Bank of America or an affiliate, as applicable. We and/or an affiliate include a mark-up or fee on such currency conversion and may profit in connection with any such currency conversion. Bank of America hereby gives notice that Same-Business-Day domestic transfers and international outbound transfers may be executed through Fedwire, a funds transfer system operated by the Federal Reserve Banks, through CHIPS (Clearing House Interbank Payments System), a funds transfer system operated by The Clearing House or through SWIFT (Society for Worldwide Interbank Financial Telecommunication). With respect to payment orders relating to the transfer which are executed through Fedwire, Federal Reserve Regulation J and all applicable Federal Reserve operating rules shall govern the payment orders. With respect to payment orders relating to the transfer which are executed through CHIPS, the CHIPS Operating Rules shall govern the payment orders. With respect to payment orders relating to the transfer which are executed through SWIFT, the SWIFT operating rules shall govern the payment orders. However, with respect to Remittance Transfers, to the extent of any inconsistencies between the above referenced rules and the provisions of the Electronic Funds Transfer Act (“EFTA”), the provisions of EFTA shall prevail. Notwithstanding anything to the contrary contained herein, the rights and obligations that apply to Remittance Transfers are set forth in the EFTA and, as applicable, as set forth in New York law. Three-Business-Day ACH transfers and Next-Business-Day ACH transfers may be made through the Automated Clearing House processor selected by us or directly to another bank, and you agree will be subject to the National Automated Clearing House Association rules or our agreement with the other bank, in effect at such time, as applicable.
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Future scheduled or recurring transfers scheduled for a weekend or a non-business day will be processed on the prior business day.

Credit card account management with bank of america

Forgot Online ID & Passcode? “},”EXPIRED_PASSWORD”:{“title”:”Your access to Online Banking has been locked due to multiple sign-in attempts with invalid information.”,”message”:”To regain access, please go to

Forgot ID and Passcode.

“},”OID_DENIED”:{“title”:”Your access to Online Banking has been locked due to multiple sign-in attempts with invalid information.”,”message”:”To regain access, please go to

Forgot ID and Passcode.

“},”tempPasscodeOnFile”:{“title”:”You’ll need to create a new Passcode after you sign in to Online Banking.”},”tempPCLock”:{“title”:”Your access to Online Banking has been locked due to multiple sign-in attempts with invalid information.”,”message”:”To regain access, please go to

Forgot ID and Passcode.

“},”CQ_NOT_ENROLLED”:{“title”:”You’ll need to set up your challenge questions after you sign in to Online Banking.”,”message”:””},”ONLINEID_SUSPENDED”:{“title”:”Online Banking is not available to you at this time.”,”message”:”Please call us at 1.800.933.6262.”},”ONLINEID_CLOSED”:{“title”:”No match found.”,”message”:”Please create a

new Online ID and Passcode.

“},”ULTRA_HIGH”:{“title”:”Online Banking is not available to you at this time.”,”message”:”Please call us at 1.800.933.6262.”,”type”:”fatal”},”CQ_LOCKOUT”:{“title”:”You’ve exceeded the maximum number of attempts to answer your challenge questions and your account is locked.

Proceed to sign-in

.”,”message”:””},”ECD_UNSUSPENDED”:{“title”:”You’ve exceeded the maximum number of attempts to answer your challenge questions and your account is locked.”,”message”:””},”E0001″:{“title”:”We don’t recognize your Online ID and/or Passcode.”,”message”:”Please try again or visit

Forgot Online ID & Passcode?

“},”E0002”:{“title”:”Your access to Online Banking has been locked due to multiple sign-in attempts with invalid information.”,”message”:”To regain access, please go to

Forgot ID and Passcode.

“,”type”:”fatal”},”E0003″:{“title”:”You’ll need to create a new Passcode after you sign in to Online Banking.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0004″:{“title”:”Your access to Online Banking has been locked due to multiple sign-in attempts with invalid information.”,”message”:”To regain access, please go to

Forgot ID and Passcode.

“,”type”:”fatal”},”E0005″:{“title”:”Your access to Online Banking has been locked due to multiple sign-in attempts with invalid information.”,”message”:”To regain access, please go to

Forgot ID and Passcode.

“,”type”:”fatal”},”E0006″:{“title”:”We seem to have an incorrect birth date for you. Because of this, you can’t access Online Banking until we update your customer profile.”,”message”:”Please contact us immediately to update your birth date: 1.800.933.6262.”,”type”:”fatal”},”E0007″:{“title”:”Online Banking is not available to you at this time.”,”message”:”Please call us at 800.933.6262.”,”type”:”fatal”},”E0008″:{“title”:”No match found.”,”message”:”Please create a

new Online ID and Passcode.

“,”type”:”fatal”},”E0009″:{“title”:”We’ll need to verify your identity by sending you an authorization code and you’ll need to accept your Online Banking Terms and Conditions after you sign in.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0010″:{“title”:”We’ll need to verify your identity by sending you an authorization code and you’ll need to accept your Online Banking Terms and Conditions after you sign in.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0012″:{“title”:”You’ve exceeded the maximum number of attempts to answer your challenge questions and your account is locked.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0013″:{“title”:”You’ll need to set up your challenge questions after you sign in to Online Banking.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0020″:{“title”:”Please go to www.vhod-v-lichnyj-kabinet.ru for assistance.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0021″:{“title”:”You’ll need to set up your challenge questions after you sign in to Online Banking.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0022″:{“title”:”You’ll need to create a new Passcode after you sign in to Online Banking.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”},”E0027″:{“title”:”The Online ID or Passcode you entered does not match our records. You have 1 more try remaining.”,”message”:”Please try again or click

Forgot ID/Passcode

“},”E0028”:{“title”:”The Online ID or Passcode you entered does not match our records. You have 2 more tries remaining.”,”message”:”Please try again or click

Forgot ID/Passcode

“},”E0028_x”:{“title”:”The Online ID or Passcode you entered does not match our records. You have {x} more tries remaining.”,”message”:”Please try again or click

Forgot ID/Passcode

“},”E0029”:{“type”:”redirect”,”href”:”/login/reset/entry/viewIdPwdScreen.go”},”E0031″:{“type”:”redirect”,”href”:”/login/reset/entry/viewIdPwdScreen.go?reason=MSGMR01&request_locale=en-us”},”E0014″:{“title”:”For security reasons, an authorization code is required to proceed with this transaction.”,”message”:”Please call us at 800.933.6262 so we can provide you an authorization code.

Already have authorization Code?

“,”type”:”fatal”},”E0015″:{“title”:”You’ve exceeded the number of attempts to enter your authorization code. We’ve locked your account to keep it safe.”,”message”:”To unlock your account call us at 1.800.933.6262.”,”type”:”fatal”},”E0016″:{“title”:”You’ve exceeded the number of attempts to enter your authorization code. We’ve locked your account to keep it safe.”,”message”:”To unlock your account call us at 1.800.933.6262.”,”type”:”fatal”},”E0018″:{“title”:”We’ve locked your account to keep it safe. “,”message”:”To unlock your account call us at 1.800.933.6262.”,”type”:”fatal”},”E0019″:{“title”:”The authorization code you entered has expired. You can request another authorization code or call customer service at 1.800.933.6262.”,”message”:””},”cqInfo”:{“title”:”Verify Your Identity”,”message”:”Please answer your challenge question”},”invalidAnswer”:{“title”:”The answer you entered doesn’t match our records.”,”message”:””},”CQ_LOCKED”:{“title”:”You’ve exceeded the maximum number of attempts to answer your challenge questions and your account is locked.

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Proceed to sign-in

.”,”message”:”

Proceed to sign-in

“,”fatal”:”true”},”CQ_BLANK”:{“title”:”Please enter a challenge answer.”,”message”:””}},”tokenizationAuth”:{“E0001”:{“title”:”The information you entered does not match our records. Please try again. “,”message”:””},”EG”:{“title”:”Bank of America is unable to authenticate you. Please go to www.vhod-v-lichnyj-kabinet.ru or our mobile banking app for assistance.”,”message”:””}},”cq”:{“cqInfo”:{“title”:”Verify Your Identity”,”message”:”Please answer your challenge question”},”invalidAnswer”:{“title”:”The answer you entered doesn’t match our records.”,”message”:””},”CQ_LOCKED”:{“title”:”You’ve exceeded the maximum number of attempts to answer your challenge questions and your account is locked.

Proceed to sign-in

.”,”message”:””},”CQ_BLANK”:{“title”:”Please enter a challenge answer.”,”message”:””}},”captcha”:{“RETRY”:{“title”:”Please enter the correct text from the image.”,”message”:””},”FAILURE”:{“title”:”Online Banking is not available to you at this time.”,”message”:”

Proceed to sign-in

“,”type”:”fatal”}},”switch”:{“enableDI”:”true”}},”jcr”:”copy/site/login/module-specific/ah-caw-main-module/en/error-messages.json”},”url”:{“postAuth”:”/login/rest/sas/sparta/postAuth”,”forgotOidPass”:”/login/reset/entry/forgotIDPwdScreen.go”,”signin”:”/login/sign-in/signOnV2Screen.go”,”enroll”:”/login/enroll/entry/olbEnroll.go?reason=model_enroll&request_locale={LOCALE}”},”clientParams”:{“source”:”BOFA”,”usecase”:”APF_MYCCA-HOME”,”lob”:”DIGITAL-SALES”,”clientId”:”BOFA-APF”,”channel”:”CAW_WEB”,”customClass”:””,”showSaveOIDCheck”:true,”skin-name”:””,”isModal”:false,”sm”:false,”keepSessionAlive”:false}}’ data-init=”ahCawMainModuleJS” data-module-parameters='{“source”:”BOFA”,”usecase”:”APF_MYCCA-HOME”,”lob”:”DIGITAL-SALES”,”clientId”:”BOFA-APF”,”channel”:”CAW_WEB”,”customClass”:””,”showSaveOIDCheck”:true,”skinName”:””,”isModal”:false,”sm”:false,”keepSessionAlive”:false}’ class=”ah-caw-main-module-class-v-8-0-1 ah-caw-main-module spa-module-init”>

D. cancelling transfers

  • Except for Remittance Transfers, if you direct us to begin processing a transfer immediately or a transfer’s status is In Process or Processed, you no longer have the right to cancel it. Bank of America may at its option accept your cancellations or amendments to a transfer. You acknowledge that if Bank of America attempts to cancel or amend a transfer, then the reversal request or amendment must be agreed to by each financial institution which has accepted a payment order related to the transfer at issue before it will be acted upon and you further agree that Bank of America shall have no liability if a cancellation or amendment is not completed.
  • Except for Remittance Transfers, you can cancel future scheduled and recurring domestic transfers prior to midnight ET on the date processing for the transfer is scheduled to be initiated by accessing the Transfers page and selecting To/From my accounts at other banks or To someone else or business This is the preferred method for cancelling transfers. You may also request to cancel a future scheduled or recurring transfer by calling us at 800.432.1000 for consumer accounts and 866.758.5972 for small business accounts. If you are calling from outside of the continental U.S., call us collect at 925.681.7600.After you cancel a future-dated transfer, the status changes to Canceled. 
  • Once an international outbound transfer has been sent, or, in the case of Remittance Transfers, after the 30 minute cancellation period has passed, you may request that a transfer be recalled, and we will communicate your request to the beneficiary’s bank. If the beneficiary’s bank agrees to return the funds to us, then upon confirmation of receipt of funds in our account, we will credit your account at the current Bank of America retail buy rate for that currency that day (see below). Please note that the exchange rate may be different from the original rate applicable to the transfer, which may result in a loss to you. Furthermore, the beneficiary’s bank may assess charges for their services, which will be deducted from the amount returned to you. We will have no liability to you if the beneficiary’s bank or foreign beneficiary refuses your request to recall the international wire transfer.
  • If a transfer is returned by the receiving bank or beneficiary’s bank for no fault of ours, we will credit your account at the current Bank of America retail buy rate for the currency that day (see below). Please note that the exchange rate will be different from the original rate applicable to the transfer, which may result in a loss to you. Furthermore, a returning bank and/or beneficiary’s bank may assess charges for their services, which will be deducted from the amount returned to you.
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Please see Section 5.F for the cancellation procedures applicable to Remittance Transfers.

E. liability

  • The following applies to Same-Business Day Domestic Wire transfers and all ACH and Wire transfers from a business account. The liability for Three-Business Day ACH transfers and Next-Business Day ACH transfers involving a transfer to or from a Bank of America consumer account is described in Section 7 below. The liability for Remittance Transfers is described in Section 5.F. below.
  • If we fail or delay in making a transfer pursuant to your instructions, or if we make a transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law or as otherwise provided in this Agreement, our liability shall be limited to correcting the error. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use, unless otherwise required by law or as otherwise provided in this Agreement, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed 60 days’ interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where Bank of America is headquartered for each day interest is due, computed on the basis of a 360-day year. Unless otherwise required by law, in no event will Bank of America be liable to you for special, indirect or consequential damages including, without limitation, loss or damage from subsequent wrongful dishonor resulting from our acts or omissions or lost profits, even if we are advised in advance of the possibility of such damages. We shall not be liable for your attorney’s fees, except as required by law.
  • You expressly agree that Bank of America shall be liable to you only for our negligent performance or non-performance of the ACH and Wire Transfer services, and that our responsibility shall be limited to the exercise of reasonable and ordinary care. Unless otherwise required by law, Bank of America shall not be liable for any error or delay on the part of any third party or for any other act or omission of any third party, including without limitation third parties used by Bank of America in executing any payment order relating to a transfer or performing a related act, and no such third party shall be deemed to be our agent.

We do not accept any liability for our exchange rates. Any and all liability relating to this information and the rates provided herein is disclaimed, including without limitation, direct, indirect, or consequential loss, and any liability if our exchange rates are different from rates offered or reported by third parties, or offered by us at a different time, at a different location, for a different transaction amount, or involving a different payment media (including, but not limited to bank notes, checks, wire transfers etc.)

G. currency exchange rates

We may determine a currency exchange rate and assign it to your transaction without notice to you. Exchange rates fluctuate, at times significantly, and you acknowledge and accept all risks that may result from such fluctuations. If we assign an exchange rate to your foreign exchange transaction, that exchange rate will be determined by us in our sole discretion based upon such factors as we determine relevant, including without limitation, market conditions, exchange rates charged by other parties, our desired rate of return, market risk, credit risk and other market, economic and business factors, and is subject to change at any time without notice.

You acknowledge that exchange rates for retail and commercial transactions, and for transactions effected after regular business hours and on weekends, are different from the exchange rates for large inter-bank transactions effected during the business day, as may be reported in The Wall Street Journal or elsewhere.

Exchange rates offered by other dealers or shown at other sources by us or other dealers (including online sources) may be different from our exchange rates. The exchange rate you are offered may be different from, and likely inferior to, the rate paid by us to acquire the underlying currency. We reserve the right to refuse to process any request for a foreign exchange transaction.

We provide all-in pricing for exchange rates. The price provided may include profit, fees, costs, charges or other mark ups as determined by us in our sole discretion. The level of the fee or markup may differ for each customer and may differ for the same customer depending on the method or venue used for transaction execution.

We do not accept any liability for our exchange rates. Any and all liability for our exchange rates is disclaimed, including without limitation direct, indirect or consequential loss, and any liability if our exchange rates are different from rates offered or reported by third parties, or offered by us at a different time, at a different location, for a different transaction amount, or involving a different payment media (including but not limited to bank-notes, checks, wire transfers, etc.).

Small business banking, credit cards & loans – bank of america

Online Banking Service Agreement

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”, or “Merrill”), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.

Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Bank of America Corporation.

Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.

Banking, credit card, automobile loans, 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. 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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