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Reasons we can share your personal information Does ValueBank share? Can you limit this sharing?Reasons we can share your personal information For our everyday business purposes-such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausDoes ValueBank share? YesCan you limit this sharing?NoReasons we can share your personal information For our marketing purposes-to offer our products and services to you Does ValueBank share? YesCan you limit this sharing?NoReasons we can share your personal information For joint marketing with other financial companies Does ValueBank share? NoCan you limit this sharing?We don't shareReasons we can share your personal information For our affiliates' everyday business purposes-information about your transactions and experiences Does ValueBank share? NoCan you limit this sharing?We don't shareReasons we can share your personal information For our affiliates' everyday business purposes-information about your creditworthiness Does ValueBank share? NoCan you limit this sharing?We don't shareReasons we can share your personal information For nonaffiliates to market to you Does ValueBank share? NoCan you limit this sharing?We don't share

Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets.Neither Bank of America Private Bank nor any of its affiliates or advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.Credit and collateral subject to approval. Terms and conditions apply. Programs, rates, terms and conditions subject to change without notice.Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.Bank of America Private Bank is a division of Bank of America, N.A.U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.p>Investment products:Are Not FDIC Insured Are Not Bank Guaranteed May Lose ValueBank of America, N.A., and U.S. Trust Company of Delaware (collectively the “Bank”) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

[Music in background throughout][Bank of America® and Merrill® logos shown periodically throughout][Footage of a couple talking]When you think about your future, what do you see? On screen copy:What do you see in your future?Is it a house with a nice yard? On screen copy:A house with a nice yardAre you helping your business thrive? On screen copy:A thriving businessWill you retire comfortably? [retired couple playing with their dog on a beach]On screen copy:A comfortable retirementWhatever’s on your mind, you can make an appointment for guidance about your goalsOn screen copy:Make an appointment to discuss your goals[Couple using the Bank of America appointment scheduling calendar on a phone]From your personal accounts,[Mother and teen son meeting with an employee in a banking center]On screen copy:Everyday BankingStart your financial journeyTo planning for large purchases,On screen copy:Home And Auto LoansPlan for a large purchase [Couple purchasing a car in a dealership]Investing for your future with Merrill,On screen copy:MerrillInvest for your future [Man meeting with a Merrill advisor in a financial center]And even helping you start and grow a business[Woman business owner meeting with her banker in a financial center]On screen copy:Business ServicesStart or grow your businessYour future moves at your schedule, so whenever you’re ready, we’ll work with you at a time and location that’s right for you. On screen copy:Schedule an appointment when you’re ready[Woman using appointment scheduling calendar on a mobile screen]On screen copy:Bank of America® logoWhat would you like the power to do?®Merrill® logo On screen disclosures: Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. Sequences shortened. Screen images simulated. 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. Banking products are provided by Bank of America, N.A., Member FDIC and a wholly-owned subsidiary of BofA Corp. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "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 adviser, Member SIPC, and a wholly-owned subsidiary of BofA Corp.Investment products:Are Not FDIC insuredAre Not Bank GuaranteedMay Lose ValueBank of America, N.A. Member FDIC.© 2022 Bank of America Corporation[End of transcript]

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