Business Continuity

Strategic guidance and support in any event

Business continuity, for both our organization and yours, is a top priority at Bank of America. That’s why our extensive internal business continuity plans are tested regularly. With our vast experience, we can help you prepare for an emergency or unexpected event that may impact your treasury operations.


Leveraging the support and advocacy of a bank you trust gives your treasury team the confidence to continue operating as needed, to support your business, employees, vendors and customers. Whether the event stems from a natural or man-made disaster, we can support you.

In case of emergency

Before an emergency occurs, contact your treasury representative to help you put procedures in place in case you must invoke your business continuity plans. Once these plans are in place, one phone call will coordinate a response and resources to support your needs.

Are you prepared?

If you’re not sure your treasury contingency plans are sufficient, your Bank of America client team can help. Consider the following:


  • How will you pay your employees? How will you pay the employees who do not have checking accounts?
  • Do you need a line of credit in case you’re unable to make deposits to cover your disbursements? Have you discussed your credit requirements with your corporate banker or relationship manager?
  • How will you process your ACH and wire transfers to pay your vendors?
  • How will your employees pay for emergency needs? Ask your card account manager about the benefits of our card programs.
  • How will you access your online reports? Consider backup computers, using security tokens and authentication verification.

 

In addition to your treasury continuity plans, you may also consider:


  • Where are your employees designated to go in the event of a crisis? Do they know where to go?
  • Do you have a call tree in place? Who is in charge and who has a copy?
  • Where do you keep copies of your business continuity plan? Who has access and how will you initiate the plan?
  • Where is your hot site? What supplies and equipment do you need to run the backup facility?
  • Are your contacts up to date?

Natural disaster preparation tips for our commercial card clients

To make certain that cardholders are never stranded or experience difficulties at the time of a natural disaster, we recommend that Program Administrators take these steps:


  1. Review credit limits since increases in spend often occur during these moments. While we do monitor the overall corporate limit, we encourage review of credit limits on impacted cardholders.
  2. Encourage use of mobile wallet (North America) and contactless card (Canada, EMEA and APAC).
  3. Apply appropriate fraud strategies for cardholders.
    • Consider temporarily lifting current account restrictions such as Merchant Category Codes and leverage alerts for visibility.
    • Create a spreadsheet of changes to facilitate returning normal restrictions.
  4. Have a backup program administrator that has access in case the primary program administrator is impacted.

We can help

Business continuity plans are unique to each client situation — we can customize a solution to help fit your needs. Here are some examples of how we can support your critical treasury needs.

Online Reporting

 

  • CashPro® Mobile app and mobile token to track daily cash management activities from different locations; the Search User function enables you to email, text message or call any user set up on CashPro® Online from your mobile device
  • Balance reporting, lockbox, controlled disbursement and other critical reports can be sent via secure email or faxed to your business continuity site


Receivables

(not applicable in Mexico)

  • Mobile capabilities are available for flexible access to daily receipts
  • If a lockbox site is unable to operate, mail can be redirected to another one of our lockbox sites for processing – our keying exception handling and print/paper return operations also have multiple locations and work can be rerouted if needed
  • You can also continue to access lockbox data and reporting electronically, through the channels you subscribe which may include: CashPro Receivables, ImageDropTM or transmissions


ACH

(non-urgent in Brazil; TEF in Mexico; EFT in Canada)

  • Several backup procedures are offered; may be customized according to your requirements
  • Examples of file deliveries: HTTPs, email (not available in all jurisdictions)

 


Wire Transfers

(urgent in Brazil or Mexico)

  • Mobile payment initiation, review and approval of payments
  • Wire initiation can be made via telephone and secure PINS (limited to urgent payments only; not available in all jurisdictions)
  • In Mexico initiation can be made by letter through your dedicated service director


Payroll

(not applicable in Brazil)

  • Replicate the last payroll file to make certain funds are disbursed to your employees on time
  • ACH and wire transfers are options for your employees who do not have direct deposit
  • Prepaid cards may be an option for your employees who do not have bank accounts (U.S. only)


Credit Cards

(not applicable in Brazil or Mexico)

  • Emergency card issuance — generally next-day delivery
  • Card cancellation and replacements processed by your card program administrator or contact Bank of America Customer Service directly
  • 24/7/365 customer service support


Prepaid Cards

(North America only)

  • Emergency access cards for employees
  • New emergency prepaid card programs generally can be setup in two to three days
  • Cards are accepted everywhere Visa or Mastercard is accepted. Visa branded cards can also be added to mobile wallets
  • Your treasury sales officer will coordinate with our Card Services team


Tax and Utilities

(Brazil and Mexico)

  • Initiation can be made by letter through your dedicated service director
  • File deliver option: email


Cash (U.S.)

  • Establish a deposit work order sheet at implementation to expedite cash orders


CashPro® is a registered trademark of Bank of America Corporation.

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General Disclaimer for Bank of America Merrill Lynch

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.
©2020 Bank of America Corporation.

Disclaimer for Australia:

"Bank of America" is the marketing name for the lending, derivatives and other commercial banking activities of Bank of America Corporation ("BAC"). These activities are performed globally by banking affiliates of BAC and in Australia by Bank of America, N.A. Australian Branch ("BANA Australia"). "BofA Securities" is the marketing name for the securities, corporate advisory and capital markets activities of BAC. These activities are performed in Australia by Merrill Lynch Markets (Australia) Pty. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. Apart from BANA Australia, none of the other BAC entities including BAC itself is an Authorised Deposit-taking Institution authorised under the Banking Act 1959 of Australia regulated by the Australian Prudential Regulation Authority. The obligations of BAC entities (other than BANA Australia) do not represent deposits or other liabilities of BANA Australia and are not guaranteed by BANA Australia.

©2020 Bank of America Corporation.

Disclaimer for India:

Bank of America, N.A. is a subsidiary of Bank of America Corporation, operating in India. Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.

Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in India by DSP Merrill Lynch Ltd, which provides the following services in India: Research, Equity Sales & Trading, Futures & Options, Electronic Trading, Equity Capital Markets, Debt Capital Markets and M&A. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured . May Lose Value . Are Not Bank Guaranteed.

©2020 Bank of America Corporation.

Disclaimer for Brazil:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000

1Bank of America Merrill Lynch Banco Múltiplo S.A. and Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2020 Bank of America Corporation. All rights reserved.

Disclaimer for Latin America:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed

Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.

“Merrill Lynch” is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.

Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that Bank of America N.A. and BofA Securities, Inc. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. and its Investment Banking Affiliates provide outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Comisión para el Mercado Financiero and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.

©2020 Bank of America Corporation.

Disclaimer for France:

BofA Securities Europe SA (“BofASE”) with registered address at 51, rue La Boétie, 75008 Paris, registered under n° 842 602 690 RCS Paris, is governed by articles L. 531-1 and following of the monetary and financial code. BofASE is authorized as an investment firm by the Autorité de Contrôle Prudentiel et de Résolution (“ACPR”), is regulated by the ACPR and the Autorité des Marchés Financiers, and is not a credit institution. BofASE’s share capital is 5,276,300,000 €.

©2020 Bank of America Corporation.

Disclaimer for Hong Kong:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, National Association, Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America, National Association, Hong Kong Branch, is a branch of a national banking association organized and existing with limited liability under the laws of the United States of America.

Disclaimer for Canada:

"Bank of America" and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation.  BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.

Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).  Merrill Lynch Canada Inc. is registered as an Approved Participant of the Bourse de Montreal.

Disclosure of best execution obligations and routing practices for Merrill Lynch Canada Inc. (IIROC Dealer Member Rule 3300)

<div class="disclaimer_pop"><div class="init_overlay"><div class="init_pop_wrap"><div class="init_title"><img src="/etc.clientlibs/boaml/clientlibs/resources/images/init_logo.png" /> <a class="close right" title="close">X</a></div>

<div class="init_content"><div id="tab-1" class="tab-content"><h2>General Disclaimer for Bank of America Merrill Lynch</h2>

<p>“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of <a href="http://www.sipc.org/" target="_blank">SIPC</a>, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.</p>

<p>Investment products offered by Investment Banking Affiliates:<br />

Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.<br />

©2020 Bank of America Corporation.<br />

</p>

</div>

<div id="tab-2" class="tab-content"><h2>Disclaimer for Australia:</h2>

<p>&quot;Bank of America&quot; is the marketing name for the lending, derivatives and other commercial banking activities of Bank of America Corporation (&quot;BAC&quot;). These activities are performed globally by banking affiliates of BAC and in Australia by Bank of America, N.A. Australian Branch (&quot;BANA Australia&quot;). &quot;BofA Securities&quot; is the marketing name for the securities, corporate advisory and capital markets activities of BAC. These activities are performed in Australia by Merrill Lynch Markets (Australia) Pty. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. Apart from BANA Australia, none of the other BAC entities including BAC itself is an Authorised Deposit-taking Institution authorised under the Banking Act 1959 of Australia regulated by the Australian Prudential Regulation Authority. The obligations of BAC entities (other than BANA Australia) do not represent deposits or other liabilities of BANA Australia and are not guaranteed by BANA Australia.</p>

<p>©2020 Bank of America Corporation.</p>

</div>

<div id="tab-3" class="tab-content"><h2>Disclaimer for India:</h2>

<p>Bank of America, N.A. is a subsidiary of Bank of America Corporation, operating in India. Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.</p>

<p>Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (&quot;Investment Banking Affiliates&quot;), including, in India by DSP Merrill Lynch Ltd, which provides the following services in India: Research, Equity Sales &amp; Trading, Futures &amp; Options, Electronic Trading, Equity Capital Markets, Debt Capital Markets and M&amp;A. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured . May Lose Value . Are Not Bank Guaranteed.</p>

<p>©2020 Bank of America Corporation.</p>

</div>

<div id="tab-4" class="tab-content"><h2>Disclaimer for Brazil:</h2>

<p>“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.&nbsp; Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.&nbsp; Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.&nbsp; BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.</p>

<p>Ouvidoria Bank of America Merrill Lynch<sup>1</sup> | DDG: 0800 886 2000</p>

<p><sup>1</sup>Bank of America Merrill Lynch Banco Múltiplo S.A. and Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários</p>

<p>Investment products offered by Investment Banking Affiliates:</p>

<p>Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.</p>

<p>© 2020 Bank of America Corporation. All rights reserved.</p>

</div>

<div id="tab-5" class="tab-content"><h2>Disclaimer for Latin America:</h2>

<p>&quot;Bank of America Merrill Lynch&quot; is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (&quot;Investment Banking Affiliates&quot;), including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and members of <a name="SIPC" id="SIPC"></a><a name="SIPC" id="SIPC"></a>SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.</p>

<p>Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.</p>

<p>Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.</p>

<p>This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.</p>

<p>Ouvidoria Bank of America Merrill Lynch<sup>1</sup> | DDG: 0800 886 2000</p>

<p>1 Bank of America Merrill Lynch Banco Múltiplo S.A. e Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários</p>

<p>&quot;Merrill Lynch&quot; is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.</p>

<p>Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.</p>

<p>Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that</p>

<p>Bank of America N.A. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.</p>

<p>Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. provides outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.</p>

<p>Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Superintendencia de Bancos e Instituciones Financieras and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.</p>

<p>Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.</p>

<p>Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are registered broker-dealers and members of FINRA and <a name="SIPC_1" id="SIPC_1"></a><a name="SIPC_1" id="SIPC_1"></a>SIPC, and in other jurisdictions, by locally registered entities.</p>

<p>Investment products offered by Investment Banking Affiliates:<br />

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.</p>

<p>©2020 Bank of America Corporation.</p>

</div>

<div id="tab-7" class="tab-content"><h2>Disclaimer for France:</h2>

<p>BofA Securities Europe SA (“BofASE”) with registered address at 51, rue La Boétie, 75008 Paris, registered under n° 842 602 690 RCS Paris, is governed by articles L. 531-1 and following of the monetary and financial code. BofASE is authorized as an investment firm by the Autorité de Contrôle Prudentiel et de Résolution (“ACPR”), is regulated by the ACPR and the Autorité des Marchés Financiers, and is not a credit institution. BofASE’s share capital is 5,276,300,000 €.</p>

<p>©2020 Bank of America Corporation.</p>

</div>

<div id="tab-8" class="tab-content"><h2>Disclaimer for Hong Kong:</h2>

<p>“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, National Association, Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.sipc.org_&amp;d=DwMGaQ&amp;c=SFszdw3oxIkTvaP4xmzq_apLU3uL-3SxdAPNkldf__Q&amp;r=2-fdgqioXatVWN7aFbSrqqkIYS5e0AUsJriu71sulck&amp;m=DBWIn-g2hYkuBG-NP9mIQlXUMy1O5C6CsV6Zbz7RuDA&amp;s=QBhgdm8GdLo4qQza4wJIwqBVCE5Zws6wYDzPiEwfOZQ&amp;e=" target="_blank" style="color: blue;" class="t_track_hyperlink_in_text" data-bactmln="hyperlink_in_text_[sipc]_[https://urldefense.proofpoint.com/v2/url?u=http-3A__www.sipc.org_&amp;d=DwMGaQ&amp;c=SFszdw3oxIkTvaP4xmzq_apLU3uL-3SxdAPNkldf__Q&amp;r=2-fdgqioXatVWN7aFbSrqqkIYS5e0AUsJriu71sulck&amp;m=DBWIn-g2hYkuBG-NP9mIQlXUMy1O5C6CsV6Zbz7RuDA&amp;s=QBhgdm8GdLo4qQza4wJIwqBVCE5Zws6wYDzPiEwfOZQ&amp;e=]">SIPC</a>, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.</p>

<p>Bank of America, National Association, Hong Kong Branch, is a branch of a national banking association organized and existing with limited liability under the laws of the United States of America.</p>

</div>

<div id="tab-6" class="tab-content"><h2>Disclaimer for Canada:</h2>

<p>"Bank of America" and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation.&nbsp; BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.</p>

<p>Trading in&nbsp;securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).&nbsp; Merrill Lynch Canada Inc. is registered as an Approved Participant of the Bourse de Montreal.</p>

<p>Disclosure of <a style="margin-top: 0; color: rgb(1,33,105); background: rgb(255,255,255); padding: 0.0px;" href="/content/dam/boamlimages/documents/articles/ID17_0030/Canada_Best_Execution_Client_Disclosure_v1_2020.pdf"><strong>best execution obligations and routing practices</strong></a> for Merrill Lynch Canada Inc. (IIROC Dealer Member Rule 3300)</p>

<a href="http://www.iiroc.ca/Pages/default.aspx" style="background: none;"><img src="/content/dam/boamlimages/documents/articles/Disclaimer/iiroc.jpg" width="70%" /></a><a href="https://www.cipf.ca/" style="background: none;"><img src="/content/dam/boamlimages/documents/articles/Disclaimer/cipf.jpg" width="70%" /></a></div>

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<li><a name="tab-1" id="tab-1" class="tab-link">General Disclaimer</a></li>

<li><a name="tab-2" id="tab-2" class="tab-link">Disclaimer for Australia</a></li>

<li><a name="tab-4" id="tab-4" class="tab-link">Disclaimer for Brazil</a></li>

<li><a name="tab-6" id="tab-6" class="tab-link">Disclaimer for Canada</a></li>

<li><a name="tab-7" id="tab-7" class="tab-link">Disclaimer for France</a></li>

<li><a name="tab-8" id="tab-8" class="tab-link">Disclaimer for Hong Kong</a></li>

<li><a name="tab-3" id="tab-3" class="tab-link">Disclaimer for India</a></li>

<li class="lastLi"><a name="tab-5" id="tab-5" class="tab-link">Disclaimer for Latin America</a></li>

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