Prepaid Card Online Privacy and Security Notices

LAST UPDATED AUGUST 24, 2018

Keeping your information private is one of our most important responsibilities. We safeguard your Social Security Number and other personal and financial information.

 

Prepaid Card Privacy Notice (PDF)

 

Prepaid Card Privacy Notice Spanish (PDF)


Prepaid Card Online Privacy Notices

Effective November 1, 2012

 

This Prepaid Card Online Privacy Notice ("Notice") applies to the prepaid card websites that link to this Notice (collectively or individually, "the Websites"). This Notice explains how Bank of America with respect to your Prepaid Card (referred to herein as "we") may collect, share and use information from or about you when you visit the Websites.

 

Information collected from the Websites will be used in accordance with the Prepaid Card Privacy Notice which explains our collection, use, sharing and security of consumer information and applies exclusively to the prepaid card products described in that notice. By using our Websites, you agree to the terms and conditions of this Notice.

 

Collecting and using online information

When you visit the Websites, we may collect information from you to conduct our business and deliver the quality service you expect. We may collect personal information such as information you provide via forms, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers or account numbers. We may also collect other information that does not reveal your specific identity or does not directly relate to an individual, such as browser and operating systems information, Internet Protocol (IP) address, domain name, system configuration and settings. This information may be collected through the use of cookies.

 

Sharing information

In accordance with our Prepaid Card Privacy Notice we will only share information collected from or about you online with our third party service providers in connection with our prepaid card programs or as requested by you or your authorized representative, or when required by law.


Additional information

Cookies

Cookies are pieces of information stored directly on the computer you are using. We may place cookies or similar files such as Flash objects on your hard drive for security purposes and to facilitate site navigation. Cookies allow us to collect technical and navigational information, such as browser type, time spent on the Websites and pages visited. Cookies provide us the capability to monitor the use of the Websites so we can continually improve the design and functionality to better serve you. Cookies and similar files we may use do not contain or capture unencrypted personal information. If you choose not to accept cookies from the Websites, then you may not be able to access and use all or part of the site or benefit from the information and services offered.

 

Flash objects

We may use Flash objects (sometimes referred to as "Local Shared Objects") on the Websites. As with cookies, we never store personal information in these Flash object files unless encrypted. You can learn more about Flash objects — including how to control and disable them — through the Adobe interface. If you choose to delete Flash objects from the Websites, then you may not be able to access and use all or part of the Websites or benefit from the information and services offered.

 

Making sure information is accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on the Websites, or call us at the telephone number on the back of your prepaid card. You can also call or write to us at our telephone number or address listed in your cardholder agreement.

 

Safeguarding Social Security numbers

The Bank of America Privacy Policy (1) protects the confidentiality of Social Security numbers, (2) prohibits unlawful disclosure of Social Security numbers, and (3) limits access to Social Security numbers.

 

Looking out for children

We do not knowingly collect information from children under 13 without parental consent. If you are under 13, please do not enter your personal information. For more information about the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.

 

Changes to this notice

This Notice is subject to change. Please review it periodically. If we make changes to this Notice, we will revise the effective date at the top of this Notice. Any changes to this Notice will become effective when we post the revised notice on the Websites. Your use of the Websites following these changes means that you accept the revised notice.


Resolving Fraud

 

To report a suspicious email that uses Bank of America's name, forward it to us immediately at abuse@bankofamerica.com.

 

Fraudulent activity — report fraudulent activity on your Bank of America accounts:

  •     Money Network customers: 1.800.845.8683
  •     All other Prepaid Card customers: 1.866.213.4074

 

Lost or stolen Prepaid Card

  •     Money Network customers: 1.800.845.8683
  •     All other Prepaid Card customers: 1.866.213.4074

 

We'll cancel your card and issue a replacement immediately.


Fraud Prevention and Identity Theft

 

Step by Step Identity Theft Resolution

What to do if you think your identity has been stolen

 

  1. Contact Bank of America immediately to close any accounts that have been tampered with or established fraudulently.

  2. Close other accounts that you know or believe have been tampered with or opened fraudulently.

  3. File a police report.

  4. File your complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps the FTC gather more information about identity theft and the problems victims are having.

 

How to prevent fraud

Safeguard your Social Security number

 

  • Never provide your Social Security number unless you have initiated the contact and have confirmed the business or person's identity

  • Do not use your full or partial Social Security number as a Personal Identification Number (PIN) or a password

  • If you must provide your Social Security number in an email or on a Website ensure that it is encrypted, and you know how the recipient will protect it

  • Do not record your Social Security number on a check, traveler's check, gift certificate, etc., unless required by law

  • Don't carry your Social Security card and be cautious of your surroundings when disclosing your Social Security number.

 

Eliminate paper

 

  • Reduce the amount of mail and paper with your personal information printed on it to reduce the chance of criminals stealing it

  • Stop receiving paper account statements and canceled checks. View and download them online instead.

 

Secure your computer

 

  • Anti-spyware and anti-virus protection detects and removes viruses and spyware, which can steal vital information

  • A firewall prevents unauthorized users from gaining access to a computer, or monitoring transfers of information to and from the computer

  • Operating system and software updates, sometimes called "patches" or "service packs," should be installed as soon as possible

 

Using your card, your PIN and ATMs safely

The suggestions that follow offer some simple tips on protecting your card and PIN and on exercising care when using an ATM. Please review them carefully.

 

Protect Your ATM Card and Personal Identification Number (PIN)

 

  • Always protect your card by keeping it in a safe place. If your card is lost or stolen, contact Bank of America immediately.

  • Always protect your PIN. You should never give your PIN to anyone and you should never write your PIN anywhere, especially on your card. When you choose your PIN, avoid using obvious numbers such as telephone numbers, addresses, or birth dates.

  • Never give information about your card or PIN over the telephone. If someone is asking for this information, refuse and immediately contact Bank of America.

 

Protect Your Privacy

 

  • While at the ATM, enter your PIN discreetly, shield the keypad with your hand or body. After completing your transaction, be sure to put away your card, cash, and transaction record before exiting the ATM area. Count the cash later in the safety of your locked car or home.

  • Do not leave your transaction record at the ATM. Keep your transaction record in a safe place.

 

Be Aware of Your Surroundings at ATMs

 

  • Look around when you walk up to the ATM or exit the ATM. If you notice anyone or anything suspicious or that you deem unsafe, such as lighting around the ATM not working, use another ATM or return later.

  • When you enter or exit an ATM in an enclosed area, be sure you close the entry door completely. Do not open locked ATM vestibule doors for others or allow any unknown persons to enter the ATM area while you are making your transaction. Authorized customers should have their own access.

  • When you use a drive-up ATM, be sure passenger windows are closed and your doors are locked.

  • If you must use an ATM at night, consider taking someone with you.

  • The activity around Bank of America ATMs may be monitored or recorded by surveillance cameras.

 

Request Emergency Assistance

 

  • If you need emergency assistance, call 911 from the nearest telephone. If you have a complaint about the security of a Bank of America ATM, call our Corporate Security Department at 1.800.222.7511.

  • Report all crimes immediately to law enforcement officials and your local banking center.

 

Identity theft assistance

Bank of America is committed to helping victims of identity theft. We also offer the services of ITAC (Identity Theft Assistance Center) to help with identity theft recovery, prevention and education.


Detecting Fraud

 

Monitor your accounts regularly

Why it's important to review activity

 

We recommend frequently reviewing your account activity online. Here are some benefits to consider:

 

  • Over 50 percent of all identity fraud is first discovered by the victim.

  • The sooner fraud is detected, the lower the financial impact.

  • Customers who access their accounts online detect fraud and identity crime earlier than those who rely on mailed statements.

  • Customers who set up email alerts receive timely notification about important activity in their accounts, which can help identify fraud quickly.

  • Customers who choose to receive electronic statements instead of mailed statements reduce their risk of mail fraud.

 

Recognize fraud and identity theft

 

It's important to learn how to recognize suspicious activities that may indicate possible fraud or identity theft. Fraud is an act that occurs when someone uses your account to make unauthorized purchases, usually when the account number or card has been stolen. The following may be signs of fraud:

 

  • If you did not receive an expected bill or statement by mail

  • If unexpected charges occurred on your account

  • If there are charges on your account from unrecognized vendors

 

On the other hand, identity theft happens when a thief steals information such as your name, birth date or Social Security number to open credit cards, mortgages and other accounts without your knowledge. The following may be signs of identity theft:

 

  • If you find new accounts on your credit report that are not yours

  • If you receive credit cards that you didn't apply for

  • If you are denied credit or are offered less than favorable credit terms for no reason

  • If you get calls from creditors or debt collectors regarding merchandise or services that you did not buy

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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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