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Suggested Keywords

    Business Advantage Debit Cards

    The power to make business purchases at work or on the go.

    Order debit cards

    Business and employee debit cards to track your business spending.

    Select the debit card that works for you and your business needs.

    Business debit card

    For the holder and signer of business checking accounts.

    Employee debit card

    For employees of business checking accounts holders

    Business deposits card

    For designated employees to make secure ATM deposits only

    Ordering business debit cards

    To order new and replacement debit cards: (1) Sign in to Online Banking and select your account. (2) Choose the Information & Services tab then select manage card settings. (3) Select the Order new or replacement cards link in the Debit card settings section.

    Essential tools and services for your business needs

    $0 liability guarantee1

    Credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen.

    Rewards

    Earn automatic rebates on qualifying purchases at participating merchants with Mastercard Easy Savings® and Visa SavingsEdge® rewards programs. To learn more and enroll, visit: Mastercard Easy Savings or Visa SavingsEdge.

    Digital tools to save you time

    Improve efficiency to complete daily tasks easier. This includes using Visa® or Mastercard® debit cards and access to ATMs worldwide.

    Mobile banking2

    Need it quickly? Get a digital card to use immediately for online and in-store purchases on the Bank of America mobile app. If your card is lost or stolen, order a new one, even when you're on the go3.

    Compare business & employee debit cards

    View debit cards side-by-side to see which one meets your business spending needs.

    Business Debit Card

    Business Employee Debit Card

    The basics

    Make deposits at Bank of America banking centers and most Bank of America ATMs
     
    Make everyday business purchases and cash withdrawals
     
    Transfer funds from your business checking account

    Must be requested by an account owner
     
    Set and modify debit card spending limits for employees for ATM and point-of-sale transactions
     
    Business name and employee name(s) will be embossed on the card

    Access

    Link up to 15 accounts (checking and savings) to each business debit card

    Link to 1 checking account

    Daily limits on ATM withdrawals

    $1,000

    Default limit - $100 (customizable by account owner)

    Daily limits of purchases

    Up to available balance

    Default limit - $400 (customizable by account owner)

    ATM fees

    No fee when used at Bank of America ATMs

    No fee when used at Bank of America ATMs

    Business Debit Card

    Business Employee Debit Card

    The basics

    Make deposits at Bank of America banking centers and most Bank of America ATMs
     
    Make everyday business purchases and cash withdrawals
     
    Transfer funds from your business checking account

    The basics

    Must be requested by an account owner
     
    Set and modify debit card spending limits for employees for ATM and point-of-sale transactions
     
    Business name and employee name(s) will be embossed on the card

    Access

    Link up to 15 accounts (checking and savings) to each business debit card

    Access

    Link to 1 checking account

    Daily limits on ATM withdrawals

    $1,000

    Daily limits on ATM withdrawals

    Default limit - $100 (customizable by account owner)

    Daily limits of purchases

    Up to available balance

    Daily limits of purchases

    Default limit - $400 (customizable by account owner)

    ATM fees

    No fee when used at Bank of America ATMs

    ATM fees

    No fee when used at Bank of America ATMs

    There are several convenient ways you can activate your Bank of America business debit card:

     

    On your desktop:

     

    Log in to Online Banking and activate your business debit card

     

    On your mobile device:

     

    Log in to the mobile app and activate your business debit card

     

    At an ATM:

     

    Simply use your business debit card with your personal identification number (PIN) at a Bank of America ATM

     

     Contact us:

     

    Call 888.287.4637 (Mon-Fri 7 a.m.-10 p.m. or Sat 7 a.m.-7 p.m., excluding holidays; all times ET)

    If you’ve misplaced your business debit card and need time to find it, you can temporarily lock your card right from your Mobile Banking app or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, you can unlock your card just as easily.4

     

    On your desktop:

     

    Log in to Online Banking and lock or unlock your debit card

     

    On your mobile device:

     

    Log in to the mobile app and lock or unlock your debit card

    There are several convenient ways you can reorder or replace your Bank of America business debit card:

     

    On your desktop:

     

    Log in to Online Banking and request a replacement card

     

    On your mobile device:

     

    Log in to the mobile app and request a replacement card

     

    Contact us:

     

    Schedule an appointment with a small business specialist or call 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET)

    To change your PIN: Visit a Bank of American ATM and select More Options then Change PIN or visit a financial center.

     

    To make a new PIN request: Visit a financial center.

     

    You will need your current PIN in order to make a PIN change at the ATM. If you don’t know your PIN, visit a financial center or call 888.287.4637 and we will mail you a reminder.

     

    Find an ATM or financial center

    Bank of America doesn’t charge transaction fees when you use your debit card to make purchases, but some merchants may impose a transaction fee or surcharge.

     

    An international transaction fee may be charged for debit card purchases and ATM cash withdrawals performed outside the US. For complete details, please refer to your Business Schedule of Fees as well as the disclosure information that accompanied your card.

    Contact us immediately by calling 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET). We’ll cancel your card and issue a replacement (fees may apply). Please see your Business Schedule of Fees for more details.

     

    Other ways to notify us of your lost or stolen debit card:

     

    On your desktop:

     

    Log in to Online Banking and take action on a lost or stolen card

     

    On your mobile device:

     

    Log in to the mobile app and take action on a lost or stolen card

    There are fees for each requested replacement and/or rush delivery of an ATM or debit card. The replacement fee does not apply when we replace a card upon its expiration. Please see your Business Schedule of Fees for complete details. (Note that fees apply when your ATM or debit card is used at a non-Bank of America ATM.)

    There are no daily purchase limits. You may use your card up to your available balance.

    You can link up to 15 checking and savings accounts to each business debit card.

    A business debit card is an extremely convenient way to pay for business expenses and has many advantages over writing a check:

     

    • The card comes with the Total Security Protection® package including fraud monitoring and our $0 Liability Guarantee 1 that credits fraudulent charges made with your card back to your account as soon as the next day 
    • The business debit card carries the Visa® and MasterCard® logo and enables you to make purchases directly from your business checking account at millions of locations worldwide, including online, anywhere Visa or MasterCard debit card are accepted 
    • The business debit card satisfies all ATM needs by enabling you to make deposits, initiate transfers or withdraw funds 24 hours a day 
    •  And with this card, you can better manage cash flow since your purchases are automatically deducted from your business checking account balance

    With a business debit card, purchases are deducted automatically from your business checking account and detailed on your monthly statement.

    The Bank of America business debit card is the only card that you can use to pay for business purchases directly from your business checking account. Since all of your business expenses are itemized on your business checking account statement, you'll enjoy greater financial control. A Bank of America Business debit card is also a great way to protect yourself in case of an emergency. The card comes with a package of benefits including:

     

    • Travel and emergency assistance
    • Purchase security and extended protection for up to 90 days in case of theft or damage of the goods you purchase with the business debit card 
    • Total Security Protection® package including fraud monitoring and our $0 Liability Guarantee 1 that credits fraudulent charges made with your card back to your account as soon as the next day

    Business employee debit cards give employees a convenient means to pay for day-to-day business expenses while limiting the account information the employee can access. The business employee debit card can be used everywhere Visa is accepted to make purchases for things such as office supplies, business lunches, postage, internet purchases and to obtain petty cash. Daily ATM withdrawal limits and point of sale (POS) purchase limits can be set by the account owner.

    Yes. The business name and the employee’s name will be embossed on the card.

    The business employee debit card has the following security features:

     

    • No access to account balances 
    • Funds cannot be transferred between other accounts 
    • Card can only be linked to 1 account; no additional accounts can be linked 
    • Card cannot be upgraded or downgraded 
    • Total Security Protection® package including fraud monitoring and our $0 Liability Guarantee [1] which means that you're not liable for unauthorized transactions made using your small business debit card, as long as you report them promptly. 
    • Cash back available on PIN-based purchases

    There are several convenient ways you can reorder or replace your Bank of America business employee debit card:

     

    On your desktop:

     

    Log in to Online Banking and request a replacement card

     

    On your mobile device:

     

    Log in to the mobile app and request a replacement card

     

    Contact us:

     

    Schedule an appointment with a small business specialist or call 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET)

    No. The business employee debit card does not allow users to view account balances.

    Daily purchase limits can be customized by the account owner up to a maximum of $7,500 per day.

    Daily ATM withdrawal limits can be customized by the account owner up to a maximum of $700 per day.

    A business employee debit card links to a single account.

    No. Business employee debit cards cannot be linked to digital wallets.

    A business deposit card enables clients to make cash and check deposits by allowing couriers, runners or employees to make deposits 24/7 at any Bank of America ATM without the ability to withdraw cash or see balances.

    No. Business deposit cards can be provided to employees or runners who are not authorized signers on the account.

    No. The business deposit card does not allow users to make cash withdrawals or view account balances.

    Yes. Business deposit cards allow for trouble-free on-screen deposit verification, as well as the option to print check images on the receipt.

    Schedule an appointment with a small business specialist to request a business deposit card. To request a card you must be an owner or authorized signer.

    You can make deposits, withdraw cash, transfer money and get account balances. You can also pay for purchases using your card at thousands of merchants that accept ATM cards.

    There are fees for each requested replacement and/or rush delivery of an ATM or debit card. The replacement fee does not apply when we replace a card upon its expiration. Please see your Business Schedule of Fees for complete details. (Note that fees apply when your ATM or debit card is used at a non-Bank of America ATM.)

    You can link up to 15 Bank of America business checking and savings accounts to 1 card. You can name each account individually so that each account name will appear on the ATM screen for you to select when you want to make deposits and withdrawals.

    Connect with us

    We’ve made it as easy as possible.

    866.283.4075

    Schedule an appointment

    1. The $0 Liability Guarantee covers fraudulent transactions made by others using your Bank of America business debit cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. Access to funds next business day in most cases, pending resolution of claim. Consult customer and account agreements for full details.

     

    2. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

     

    3. MasterCard, VISA and American Express will process transactions similar to how they process your physical card transactions today except most merchants won't have access to your actual card number; they will receive the unique virtual card number associated with your credit or debit card. MasterCard must provide your actual card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions.

     

    4. Business and Commercial Deposit-only cards are not eligible for lock/unlock functionality.

     
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    Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the DAA or through the Network Advertising Initiative's Opt-Out Tool. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.

     

    To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

    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

    Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

     

    Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

     

    Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

     

    • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
    • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
    • alter, decompile or reverse engineer any software component of the Sites.

     

    All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

     

    No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

     

    CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

     

    Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

     

    SECURITY

    Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

     

    NO OFFERS

    Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

     

    DISCLOSURE OF INTEREST

    Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

     

    ACCOUNT INFORMATION

    Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

     

    PRICING AND MARKET INFORMATION

    Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

     

    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.

     

    MATERIAL IN ITS ENTIRETY

    All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

     

    LINKED SITES

    Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

     

    CONTENT AND SERVICE AVAILABILITY

    Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

     

    CONSENT TO ELECTRONIC DELIVERY

    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.

     

    Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

     

    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  

     

     

    © 2025 Bank of America Corporation.