Bank of America deposit products: 
Unsecured line of credit
Manage cash flow and more with a Business Advantage Credit Line
Details
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Amount
Lines range from $10,000 to $250,000.1
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Special offer
Prime + 0% introductory rate2
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Terms
Revolving line of credit with annual renewal.3
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Fees
Annual Fee of $150, not charged the first year.4 No cash advance fees.
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Qualifications
Minimum 2 years in business under existing ownership. Personal credit above 700 FICO® Score is typically required.
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Revenue criteria
Minimum $100,000 in prior year annual business revenue.
*Please see terms and conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.
Make the most of your line of credit
Get a quick decision and fast access
No collateral is required. Use the VISA® card provided with your account to access funds or transfer money into your checking account.5
Access funds whenever you need them
Your line of credit can help bridge the gap between payables and receivables, buy seasonal inventory and more. Monthly payments and interest are based only on your current balance.
Think you might not qualify?
Consider a Business Advantage Credit Line Cash Secured. In addition to providing access to funds, it could help you transition to an unsecured line of credit.
Which loan is right for you?
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Business Advantage Credit Line |
Column Header
Business Advantage Credit Line Cash Secured |
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Business Advantage Term Loan |
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Row Label
Business needs |
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Row Label
Security deposit required |
No |
Yes |
No |
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Row Label
Minimum years in business |
2 years |
6 months |
2 years |
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Row Label
Minimum sales revenue |
$100,000 in prior year annual business revenue |
$50,000 in annualized revenue |
$100,000 in prior year annual business revenue |
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Row Label
Receive funds |
When needed |
When needed |
One-time lump sum |
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Row Label
Interest is paid |
Only on the outstanding balance |
Only on the outstanding balance |
Only on the outstanding balance |
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Row Label
Payments |
Monthly payments based on your balance |
Monthly payments based on your balance |
Fixed equal monthly payments based on your loan amount and term |
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Row Label
Graduation path to unsecured option6 |
N/A |
Yes |
N/A |
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Column 1 Row Label 1
Business needs Column 1 Content Row 1
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Column 2 Row Label 1
Business needs Column 2 Content Row 1
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Column 3 Row Label 1
Business needs Column 3 Content Row 1
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Column 1 Row Label 2
Security deposit required Column 1 Content Row 2
No |
Column 2 Row Label 2
Security deposit required Column 2 Content Row 2
Yes |
Column 3 Row Label 2
Security deposit required Column 3 Content Row 2
No |
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Column 1 Row Label 3
Minimum years in business Column 1 Content Row 3
2 years |
Column 2 Row Label 3
Minimum years in business Column 2 Content Row 3
6 months |
Column 3 Row Label 3
Minimum years in business Column 3 Content Row 3
2 years |
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Column 1 Row Label 4
Minimum sales revenue Column 1 Content Row 4
$100,000 in prior year annual business revenue |
Column 2 Row Label 4
Minimum sales revenue Column 2 Content Row 4
$50,000 in annualized revenue |
Column 3 Row Label 4
Minimum sales revenue Column 3 Content Row 4
$100,000 in prior year annual business revenue |
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Column 1 Row Label 5
Receive funds Column 1 Content Row 5
When needed |
Column 2 Row Label 5
Receive funds Column 2 Content Row 5
When needed |
Column 3 Row Label 5
Receive funds Column 3 Content Row 5
One-time lump sum |
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Column 1 Row Label 6
Interest is paid Column 1 Content Row 6
Only on the outstanding balance |
Column 2 Row Label 6
Interest is paid Column 2 Content Row 6
Only on the outstanding balance |
Column 3 Row Label 6
Interest is paid Column 3 Content Row 6
Only on the outstanding balance |
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Column 1 Row Label 7
Payments Column 1 Content Row 7
Monthly payments based on your balance |
Column 2 Row Label 7
Payments Column 2 Content Row 7
Monthly payments based on your balance |
Column 3 Row Label 7
Payments Column 3 Content Row 7
Fixed equal monthly payments based on your loan amount and term |
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Column 1 Row Label 8
Graduation path to unsecured option6 Column 1 Content Row 8
N/A |
Column 2 Row Label 8
Graduation path to unsecured option6 Column 2 Content Row 8
Yes |
Column 3 Row Label 8
Graduation path to unsecured option6 Column 3 Content Row 8
N/A |
With us, you get more than a business loan
It feels like you're not working with a big institution. You're working with people just like you, and they care. The line of credit really is a lifeline.
Save even more with Preferred Rewards for Business
+
=
Learn more or enroll at bankofamerica.com/RewardsforBusiness6
Frequently asked questions
Get a Business Advantage Credit Line
Have questions?
Lo que necesitará para presentar una solicitud
Para todas las empresas, requerimos la siguiente información sobre su empresa:
- Nombre
- Domicilio comercial (no se aceptan casillas de correo) y fecha en que se mudó al domicilio actual
- Número de teléfono
- Identificación de impuestos
- Actividad de la empresa
- Fecha en la que se estableció la empresa
- Fecha de adquisición de la empresa por el propietario actual
- Número de empleados
- Ganancia neta anual
- Ventas brutas anuales
- Lista de obligaciones pendientes, si las hubiera (la lista debe incluir el prestamista, el saldo actual del préstamo o límite de crédito y el pago mensual)
También requerimos la siguiente información sobre cada propietario de la empresa, garante y administrador con control:
- Nombre y cargo de la persona que abre la cuenta
- Nombre y domicilio de la entidad para la cuenta
- Nombre, fecha de nacimiento, Número de Seguro Social (para ciudadanos estadounidenses), número de pasaporte y país de emisión (para personas extranjeras), domicilio particular, país de ciudadanía, país de residencia y porcentaje de participación de cada usufructuario
- Nombre, fecha de nacimiento, Número de Seguro Social (para ciudadanos estadounidenses), número de pasaporte y país de emisión (para personas extranjeras), domicilio particular, país de ciudadanía y país de residencia de cada persona con control (esta información es obligatoria incluso si ningún propietario con participación accionaria posee un 25% o más)
- Certificación de que la información facilitada sobre el usufructuario y/o el gerente de control es exacta
- Ingresos personales
- Tipo de residencia (alquiler o propiedad) y pago mensual de la vivienda
Lo que necesitará para presentar una solicitud
Para todas las empresas, requerimos la siguiente información sobre su empresa:
- Nombre
- Domicilio comercial (no se aceptan casillas de correo) y fecha en que se mudó al domicilio actual
- Número de teléfono
- Identificación de impuestos
- Actividad de la empresa
- Fecha en la que se estableció la empresa
- Fecha de adquisición de la empresa por el propietario actual
- Número de empleados
- Ganancia neta anual
- Ventas brutas anuales
- Lista de obligaciones pendientes, si las hubiera (la lista debe incluir el prestamista, el saldo actual del préstamo o límite de crédito y el pago mensual)
También requerimos la siguiente información sobre cada propietario de la empresa, garante y administrador con control:
- Nombre y cargo de la persona que abre la cuenta
- Nombre y domicilio de la entidad para la cuenta
- Nombre, fecha de nacimiento, Número de Seguro Social (para ciudadanos estadounidenses), número de pasaporte y país de emisión (para personas extranjeras), domicilio particular, país de ciudadanía, país de residencia y porcentaje de participación de cada usufructuario
- Nombre, fecha de nacimiento, Número de Seguro Social (para ciudadanos estadounidenses), número de pasaporte y país de emisión (para personas extranjeras), domicilio particular, país de ciudadanía y país de residencia de cada persona con control (esta información es obligatoria incluso si ningún propietario con participación accionaria posee un 25% o más)
- Certificación de que la información facilitada sobre el usufructuario y/o el gerente de control es exacta
- Ingresos personales
- Tipo de residencia (alquiler o propiedad) y pago mensual de la vivienda
Investment products:
| Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value |
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Important Disclosures and Information
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Terms and Conditions
These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").
USE OF SITES
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SECURITY
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ACCOUNT INFORMATION
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PRICING AND MARKET INFORMATION
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HYPOTHETICAL OR PAST PERFORMANCE
Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.
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You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.
NO WARRANTY
Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.
Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.
COMPLIANCE WITH LAWS AND INDEMNITY
The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.
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Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.
FOR RESIDENTS OF BRAZIL:
The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.
FOR RESIDENTS OF CANADA:
The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.
FOR RESIDENTS OF FRANCE:
The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.
FOR RESIDENTS OF GERMANY:
The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.
FOR RESIDENTS OF HONG KONG:
Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.
FOR RESIDENTS OF IRELAND:
Access to the Sites is by invitation only to professional investors.
FOR RESIDENTS OF ITALY:
Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.
FOR RESIDENTS OF JAPAN:
Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.
FOR RESIDENTS OF KOREA:
Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.
FOR RESIDENTS OF NETHERLANDS:
Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.
FOR RESIDENTS OF SINGAPORE:
Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.
LIMITATION OF LIABILITY
THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.
Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.
UK CONDITIONS
Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.
CHANGES TO AGREEMENT
Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.
GOVERNING LAW
This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.
THIRD-PARTY LICENSORS
The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will
- protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
- restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
- restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
- include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
- prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
- prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
- comply with all export laws in respect of Licensed programs;
- disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
- make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.
BOFA SECURITIES, INC. – FURTHER INFORMATION
"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, derivatives, 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., which is a registered broker-dealer and Member of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. is a registered futures commission merchant with the CFTC and a member of the NFA.
Investment products offered by Investment Banking Affiliates:
| Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value |
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