Contact a Global Institutional Consulting Advisor

NORTHEAST

Christopher Allora
New York, NY
Private Executive Services

 

Charles Balducci
New York, NY
The Snyder Balducci Group

 

John Barrett
New York, NY
The Barrett Group

 

John Beriau
New York, NY
Mullin, Beriau & Associates

 

Jeff Bryan
New York, NY
Private Executive Services

 

Michael Chrys

Latham, NY

The Chrys Group

 

Ron DiPrinzio

New York, NY

DiPrinzio Group

 

Hugh Graham

New York, NY

Craane Group

 

Kathleen Hegenbart

Boston, MA

The Hegenbart Group

 

Roger Matloff

New York, NY

The JEMM Group

 

Courtney Moore

New York, NY

Ryan Group

Derek Nolan
Albany, NY
Derek_Nolan@ml.com

 

Gregory Papa
New York, NY
Jacobs, Papa & Associates

 

Rocco Papandrea
New York, NY
PSS & Associates

 

Peter Rohr
Wayne, PA
The Rohr Group

 

Eric S Snyder
New York, NY
The Snyder Balducci Group

 

Kirk Wolford
Boston, MA
The Adamic Wolford Group


MID-WEST

Raj Bhatia
Chicago, IL
The Bhatia Group

 

J K Bradburn & Associates
Indianapolis, IN
J Bradburn

 

John Cate
Indianapolis. IN
Cate Brunton Luc Group

 

Richard Coppola
Chicago, IL
The Kelly Coppola Group

 

Joel Gershon
Chicago, IL
The J & R Group

 

Kim Hammond
Muskegon, MI
Hammond & Associates

 

Brett Howell
Grand Rapids, MI
Howell & Sharp Group

 

Scott Kelly
Louisville, KY
The KN Group

John Knapke
Dayton, OH
Knapke, Jervis, Bonner Group

 

Timothy Long
Grand Rapids, MI
The VLMB Group

 

William Mackay
Grand Rapids, MI
The VLMB Group

 

Mike Marquez
Little Rock, AR
The Gibbs/Marquez Group

 

Frank Migliazzo
Troy, MI
MKG & Associates

 

Peter Motta
Columbus, OH
The Cenname Team

 

Josh Nagel
Louisville, KY
Kelly | Nagel | Group

 

Bob O'Brien
Chicago, IL
The OCH Group

Jim Otley

Indianapolis, IN

J Otley

 

Steve Penton

Cleveland, OH

The Penton-Telerico Group

 

Scott Schropp

Saginaw, MI

The Iles Schropp Group

 

Marie Vanerian

Troy, MI

The Vanerian Group

 

James Veldheer

Grand Rapids, MI

The VLMB Group


MID-ATLANTIC

John Amirante
Red Bank, NJ
The Beacon Group

 

William H. (Bill) Bender
Scranton, PA
Bender Wealth Management Group

 

William Bender II 
Scranton, PA
Bender Wealth Management Group

 

Goran Bojovski
Short Hills, NJ
Gsell Group

Tony Browne
Paramus, NJ
Spanarkel Browne Granizo

 

Scott Fitzenreiter
Washington, DC
The Slater King Fitzenreiter Group

 

Lee Hoffman

Vienna, VA

Hoffman Whipkey Group

 

James Spanarkel

Paramus, NJ

Spanarkel Browne Granizo

 

Bruce Wall

Bethesda, MD

Dunn- Dunne Group

 

Leslie Whipkey

Vienna, VA

Hoffman Whipkey Group

 

Ryan C Young
Hunt Valley, MD
SY Financial Group


Southeast

Dominic Casanueva
Sarasota, FL
GBSDC & Associates

 

Benjamin Clark
Jacksonville, FL
Benjamin M. Clark

 

John Collier
Macon, GA
The CERBS Group

 

Ronnie Dennis
Columbia, SC
Ellison Kibler & Associates

 

Michael Denti 
Naples, FL
The Cenname Team

George Dunn
Ponte Vedra Beach, FL 
Dunn- Dunne Group

 

Hector Gonzalez
Miami, FL
The Herrans Group

 

Juan Herrans
Miami, FL
The Herrans Group

 

E. Robertson Kibler
Columbia, SC
Ellison Kibler & Associates

 

Andres Lewowicz
Miami, FL
The Herrans Group

 

Richard Migliore

Columbia, SC
Ellison Kibler & Associates

Brad Osborne

Birmingham, AL

Osborne & Associates

 

Mary Anne Phillips

Birmingham, AL

Osborne & Associates

 

Chad Pigg

Atlanta, GA

GCIAS

 

Robert F Runkle

Montgomery, AL

Runkle & Associates

 

Ricardo Vazquez

Miami, FL

The Herrans Group

 

Mike P. Velasco

Columbia, SC

TCG and Associates

 

Buck Wiley

Atlanta, GA

The Wiley Group


Texas Mountain South

Junaid Ahmad

Albuquerque, NM

LGHA & Associates

 

James Ambrose

Omaha, NE

Ambrose Lighthart Group

 

Nathan Armstrong

Albuquerque, NM 

The Armstrong Group

 

Daniel Bott, Sr.

Scottsdale, AZ

The Bott Group

 

John (Jack) Carlson

Denver, CO

The Starratt Group

 

Larry Erickson

Phoenix, AZ

Larry J Erickson

Ralph Evans
Tulsa, OK
Ralph_Evans@ml.com

 

Cody Farmer
Los Angeles, CA
Tanabe, McMahon, Tanimoto, Farmer & Holcher Group

 

Jay Feuerbacher
Clayton, MO
Feuerbacher / Williams Group

 

Mark Humphrey
Albuquerque, NM
LGHA & Associates

 

Kerry Kearney
Albuquerque, NM
Kerry Kearney

 

Karl Lindekugel
Tyler, TX
The LMT Wealth Management Group

Ramona Locke
Dallas, TX
Locke & Associates

 

James Marten
Phoenix, AZ
The Marten Group

 

Susan Palombo
Austin, TX
The Palombo Group

 

Matt Rehberg
Omaha, NE
Ambrose Lighthart Group

 

Joshua Reichman
Chesterfield, MO
J Reichman

 

David Stahle
Gilbert, AZ
Stahle Bottolfson Group

 

Elizabeth Weiner-Schulman
Tucson, AZ
Schulman, Apostolik & Associates

 

Shawn E. Williams
Ladue, MO
Feuerbacher / Williams Group


WEST

David Amar

Los Angeles, CA

Walsh, Amar & Associates

 

Mitchell Behm

Irvine, CA

M. Behm

 

Brian Bonvechio

Los Angeles, CA

Pantucci Bonvechio Group

 

Joseph Castagnola

Los Angeles, CA

Jones Zafari Group

 

Aaron Dykas

Boise, ID

aaron.dykas@ml.com

 

John Hedge

Billings, MT

Anderson, Hedge, Wagner &Associates

 

Joshua Hedge
Billings, MT
Anderson, Hedge, Wagner & Associates

 

Mark Jacoby
Los Angeles, CA
The Starratt Group

 

Jay Kirkpatrick
Spokane, WA
Larson-Kirkpatrick Group

 

John Matzoll
Sacramento, CA
John Matzoll

 

Daniel Pantucci
Los Angeles, CA
Pantucci Bonvechio Group

 

Michael Starratt
Los Angeles, CA
The Starratt Group

Keith Tanabe
Los Angeles, CA
Tanabe, McMahon, Tanimoto, Farmer & Holcher Group

 

Charles Wagner
Billings, MT
Anderson, Hedge, Wagner & Associates


LEGAL DISCLAIMER

Bank of America is a marketing name used by several Bank of America Corporation (“BofA Corp.”) businesses, including, but not limited to, the Retirement Services business and Global Institutional Consulting, which offers products and services for the benefit of institutional and ultra-high net worth clients.

 

Global Institutional Consulting is part of the Global Wealth & Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. Global Institutional Consultants mentioned herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) and may assist you with investment products and services. The nature and degree of advice and assistance provided, the fees charged, and clients’ rights and Merrill’s obligations will differ depending upon the products and services actually provided.

 

Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer and investment adviser and Member SIPC.

 

 

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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>

<ul class="bullet">

<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>

</ul>

</div>

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