Skip to main content

Bank of America deposit products:  Fdic FDIC - Insured - Backed by the full faith and credit of the U.S. Government

  • Personal
  • Business
  • Wealth Management
  • Security
  • bofa logoAbout Us
  • Contact us
  • Help
Bank of America logo
  • Small Businesses
    • Checking & Savings

      Small Businesses

      No matter your stage or goals, we’re here to help. We offer a broad range of products and services for businesses with up to $1 million in revenue.

      Explore business checking solutions

      Solutions for midsize businesses
      $1 million to $50 million in revenue

      CHECKING
      Business Checking
      Debit Cards
      Preferred Rewards for Business

      Explore all checking
      SAVINGS
      Business Savings
      Business CD

      Business Advantage checking

      Designed to move your business forward with digital tools, services and dedicated support, all in one place.

       

      Open an account

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Credit Cards

      Small Businesses

      No matter your stage or goals, we’re here to help. We offer a broad range of products and services for businesses with up to $1 million in revenue.

      Shop all business credit cards

      Solutions for midsize businesses
      $1 million to $50 million in revenue

      Popular Credit Cards
      Travel & Airline Rewards Cards
      Cash Rewards Cards
      Lower Interest Rate
      Card to Help Build or Strengthen Your Credit
      Business Credit Score
      Shop all business credit cards

      Find the credit card that fits your business needs

      Get a $300 statement credit or 30,000 bonus points on select cards.

       

      Compare cards

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Lending

      Small Businesses

      No matter your stage or goals, we’re here to help. We offer a broad range of products and services for businesses with up to $1 million in revenue.

      Explore all business financing

      Solutions for midsize businesses
      $1 million to $50 million in revenue

      Auto Loan
      Unsecured Line of Credit
      Cash Secured Line of Credit
      Unsecured Term Loan
      Secured Term Loan
      SBA Loans
      Franchise Financing
      Dental Practice Loan
      Veterinary Practice Loan
      Physician & Optometry Practice Loan
      Business Credit Score

      Business Advantage Auto Loan

      From small cars to light-duty trucks and cargo vans, a Business Auto Loan may be the perfect solution. 

       

      Apply now

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Payments

      Small Businesses

      No matter your stage or goals, we’re here to help. We offer a broad range of products and services for businesses with up to $1 million in revenue.

      Explore all payment solutions

      Solutions for midsize businesses
      $1 million to $50 million in revenue

      Payment Solutions
      Payroll Services
      Remote Deposit Solutions
      Cash Flow Monitor
      Connected Apps
      MERCHANT SOLUTIONS
      Personal Services
      Restaurant
      Retail
      Explore all
      E-Commerce
      On-the-Go

      Business Advantage checking

      Designed to move your business forward with digital tools, services and dedicated support, all in one place.

       

      Open an account

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Center for Business Empowerment

      Center for Business Empowerment

      Whether you're launching a new business or running an established one, find educational resources to move your business forward on the Center for Business Empowerment.

      Explore the Center for Business Empowerment

      IDEAS AND ANALYSIS
      Industry Insights
      Featured Reports
      STRATEGY & OPERATIONS
      Strategy & Planning
      Employee Management
      Marketing & Sales
      Security & Information Management
      Operations
      WOMEN & DIVERSE BUSINESS OWNERS
      Women
      Black & African American
      Hispanic-Latino
      Asian American & Pacific Islander
      FINANCE
      Capital
      Cash Flow
      Accounting

      Find educational resources for your business

      Answer a few simple questions, and we'll provide relevant resources to help you meet your business goals.

       

      Get started

       

      Schedule an appointment

      Find resources to help run your business Ι Answer a few questions to get started
  • Midsize Businesses
    • Checking & Savings

      Midsize Businesses

      We offer business solutions, insights and dedicated local experts designed for more established and complex businesses with $1 million to $50 million in annual revenue.

      Solutions for small businesses
      Up to $1 million in revenue

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      CHECKING
      Business Checking
      Debit Cards
      Treasury Account
      Preferred Rewards for Business
      Explore all checking
      SAVINGS
      Business Saving
      Business CD

      Business Advantage checking

      Designed to move your business forward with digital tools, services and dedicated support, all in one place.

       

      Open an account

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Credit Cards

      Midsize Businesses

      We offer business solutions, insights and dedicated local experts designed for more established and complex businesses with $1 million to $50 million in annual revenue.

      Solutions for small businesses
      Up to $1 million in revenue

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Popular Credit Cards
      Travel & Airline Rewards Cards
      Cash Rewards Cards
      Lower Interest Rate
      Card to Help Build or Strengthen Your Credit
      Commercial Credit Cards
      Business Credit Score
      Shop all business credit cards

      Find the credit card that fits your business needs

      Get a $300 statement credit or 30,000 bonus points on select cards.

       

      Compare cards

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Lending

      Midsize Businesses

      We offer business solutions, insights and dedicated local experts designed for more established and complex businesses with $1 million to $50 million in annual revenue.

      Solutions for small businesses
      Up to $1 million in revenue

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Auto Loan
      Unsecured Line of Credit
      Cash Secured Line of Credit
      Unsecured Term Loan
      Secured Term Loan
      SBA Loans
      Franchise Financing
      Dental Practice Loan
      Veterinary Practice Loan
      Physician & Optometry Practice Loan
      Commercial Credit & Lending
      Business Credit Score

      Business Advantage Auto Loan

      From small cars to light-duty trucks and cargo vans, a Business Auto Loan may be the perfect solution.

       

      Apply now

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Payments

      Midsize Businesses

      We offer business solutions, insights and dedicated local experts designed for more established and complex businesses with $1 million to $50 million in annual revenue.

      Solutions for small businesses
      Up to $1 million in revenue

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Payment Solutions
      Payroll Services
      Remote Deposit Solutions
      Cash Flow Monitor
      Connected Apps
      Treasury Solutions
      MERCHANT SOLUTIONS
      Personal Services
      Restaurant
      Retail
      Explore all
      E-Commerce
      On-the-Go

      Business Advantage checking

      Designed to move your business forward with digital tools, services and dedicated support, all in one place.

       

      Open an account

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Investing

      Midsize Businesses

      We offer business solutions, insights and dedicated local experts designed for more established and complex businesses with $1 million to $50 million in annual revenue.

      Solutions for small businesses
      Up to $1 million in revenue

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Small Business 401(k)
      Individual 401(k)
      SEP IRA
      SIMPLE IRA
      Health & Benefit Accounts (HSA/FSA)

      Merrill Edge® Retirement Planning

      Learn how solutions from Merrill Edge can benefit you and your business.

       

      Get started

       

      Schedule an appointment

      Preferred Rewards for Business | Get more rewards with your business banking

    • Center for Business Empowerment

      Center for Business Empowerment

      Whether you’re launching a new business or running an established one, find educational resources to move your business forward on the Center for Business Empowerment.

      Explore the Center for Business Empowerment

      IDEAS AND ANALYSIS
      Industry Insights
      Featured Reports
      STRATEGY & OPERATIONS
      Strategy & Planning
      Employee Management
      Marketing & Sales
      Security & Information Management
      Operations
      WOMEN & DIVERSE BUSINESS OWNERS
      Women
      Black & African American
      Hispanic-Latino
      Asian American & Pacific Islander
      FINANCE
      Capital
      Cash Flow
      Accounting

      Find educational resources for your business

      Answer a few simple questions, and we'll provide relevant resources to help you meet your business goals.

       

      Get started

       

      Schedule an appointment

      Find resources to help run your business | Answer a few questions to get started

  • Commercial & Corporations
    • Payments & Treasury Solutions

      Commercial & Corporations

      We serve companies worldwide with more than $50 million in revenue, providing cutting-edge solutions, global reach and local expertise to help them succeed and thrive.

      Solutions for midsize businesses
      $1 million to $50 million in revenue

      Solutions for corporations
      More than $500 million in revenue

      SOLUTIONS
      Global Payment Solutions
      Card Solutions
      Intelligent Payables
      Liquidity Management
      Merchant Services
      Payments Management
      Receivables Management
      Trade & Supply Chain Finance
      PLATFORMS & TOOLS
      CashPro®
      Business Advantage 360
      Global Card Access
      INSIGHTS
      Fraud & Cybersecurity
      Treasury Insights
    • Banking & Advisory Solutions

      Commercial & Corporations

      We serve companies worldwide with more than $50 million in revenue, providing cutting-edge solutions, global reach and local expertise to help them succeed and thrive.

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Solutions for corporations
      More than $500 million in revenue

      FINANCING SOLUTIONS
      Asset Based Lending
      Commercial Real Estate
      Equipment Financing
      Sustainable Finance
      ADVISORY SOLUTIONS
      Corporate & Investment Banking
      Workplace Benefits
      INSIGHTS
      Digital Innovation
      Sustainability
    • Industry Expertise

      Commercial & Corporations

      We serve companies worldwide with more than $50 million in revenue, providing cutting-edge solutions, global reach and local expertise to help them succeed and thrive.

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Solutions for corporations
      More than $500 million in revenue

      FEATURED INDUSTRIES
      Auto Dealerships
      Healthcare
      Higher Education
      Not-for-Profit
      Public Sector
      Real Estate
      Restaurants
      Technology
    • Latest Insights

      Commercial & Corporations

      We serve companies worldwide with more than $50 million in revenue, providing cutting-edge solutions, global reach and local expertise to help them succeed and thrive.

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Solutions for corporations
      More than $500 million in revenue

      Bank of America
Institute
      Attracting & Retaining Talent
      Global Insights
      Digital Innovation
      Fraud & Cybersecurity
      Sustainability
      Treasury Insights
    • Global Presence

      Commercial & Corporations

      We serve companies worldwide with more than $50 million in revenue, providing cutting-edge solutions, global reach and local expertise to help them succeed and thrive.

      Solutions for commercial businesses
      $50 million to $500 million in revenue

      Solutions for corporations
      More than $500 million in revenue

      WHO WE ARE
      About Us
      International
      Careers
      Sustainability
      WHERE WE ARE
      Asia Pacific
      Europe, Middle East & Africa
      Latin America
      United States & Canada
      FEATURED LOCATIONS
      Australia
      China
      France
      Germany
      Hong Kong
      India
      Ireland
      Italy
      Japan
      Malaysia
      Middle East
      Singapore
      South Korea
      Switzerland
      United Kingdom
  • Institutions
    • Insights & Solutions

      Institutional Investors

      Our global expertise, solutions and platforms aid institutional investors in unlocking liquidity and achieving market-leading outcomes.

      BofA Global Research
      Global Markets
      BofA Mercury®
      Trader Insights
      Global Insights
      Equities Electronic Trading
      Instinct® FX
      Municipal Markets
      Trader Insights

      Powerful insights to help optimize your trading strategy

      Chart the right path forward with our nuanced advice.

       

      See insights
    • Global Presence

      Institutional Investors

      Our global expertise, solutions and platforms aid institutional investors in unlocking liquidity and achieving market-leading outcomes.

      WHO WE ARE
      About Us
      International
      Careers
      WHERE WE ARE
      Asia Pacific
      Europe, Middle East & Africa
      Latin America
      United States & Canada
      FEATURED LOCATIONS
      Australia
      China
      France
      Germany
      Hong Kong
      India
      Ireland
      Italy
      Japan
      Malaysia
      Middle East
      Singapore
      South Korea
      Switzerland
      United Kingdom
      Bank of America in South Korea

      Bank of America in South Korea

      Since we opened in South Korea, we’ve seen a large amount of success in our partnerships. Let us help you make connections.

       

      See what we offer
  • Research & Insights
    • Bank of America Institute

      Research & Insights

      Our award-winning research, data-driven analysis and intuitive guidance help you make informed decisions and stay ahead.

      Consumer Checkpoint
      Economy
      Sustainability
      Transformation
      Explore all of Bank of America Institute
      Bank of America Institute

      See the latest from Bank of America Institute

      Uncovering powerful insights that move business and society forward.

      Browse insights
    • BofA Global Research

      Research & Insights

      Our award-winning research, data-driven analysis and intuitive guidance help you make informed decisions and stay ahead.

      Global Research Unlocked™ Podcast
      Must Read Research
      Explore all BofA Global Research
      Research Podcast

      Listen to Global Research Unlocked™ Podcast

      Our best-in-class analysts discuss what’s rising — from emerging risks and opportunities to growth industries.

      Listen
    • Insights by Topic

      Research & Insights

      Our award-winning research, data-driven analysis and intuitive guidance help you make informed decisions and stay ahead.

      Attracting & Retaining Talent
      Business Insights
      Center for Business Empowerment
      Digital Innovation
      Fraud & Cybersecurity
      Global Insights
      Sustainability
      Trader Insights
      Treasury Insights

      Center for Business Empowerment

      Whether you’re launching a new business or running an established one, find educational resources to move your business forward on the Center for Business Empowerment.

      See resources
    • Personal
    • Business
    • Wealth Management
    • Security
    • bofa logoAbout Us
    • Contact us
    • Help
  • Personal
  • Business
  • Wealth Management
  • Security
  • bofa logoAbout Us
  • Contact us
  • Help
  • Personal
  • Business
  • Wealth Management
  • Security
  • bofa logoAbout Us
  • Contact us
  • Help

Suggested Keywords

    Business savings account1

    Business Advantage Savings full range solutions keep you running your business seamlessly. Earn interest and easy access to funds with Business Advantage Savings full range solutions.

    Standard accounts earn 0.01% interest and APY 2 3 with an average daily balance of $2,499.

    Open Account

    You work hard for your business—get the Preferred Rewards rates that work harder for you.

    Business Advantage Savings with Preferred Rewards

    Gold tier2 3

     A Preferred Rewards 4 5 account earning extra by maintaining a daily balance of at least $20,000

    0.02% interest rates and APY

    Open an account
    Learn about Preferred Rewards
    Business Advantage Savings with Preferred Rewards

    Platinum tier2 3

    A Preferred Rewards 4 5 account earning extra by maintaining a daily balance of at least $50,000

    0.03% interest rates and APY

    Open an account
    Learn about Preferred Rewards
    Business Advantage Savings with Preferred Rewards

    Platinum honors tier2 3

    A Preferred Rewards 4 5 account earning extra by maintaining a daily balance of at least $100,000

    0.04% interest rates and APY

    Open an account
    Learn about Preferred Rewards

    Want to lock into fixed rate accounts?

    Explore Business CDs

    Avoid the monthly fee

    Opening a business savings account is easy with a $100 opening deposit.

    Waiving the monthly fee may be easier. Just do ONE of the following each statement cycle.

    Maintain a $2,500 minimum daily balance

    OR

    Include one Business Advantage Savings account as part of your Business Advantage Relationship Banking solution

    OR

    Be a member of Preferred Rewards for Business (first 4 savings accounts per enrolled business)5

    OR

    Pay $10 per month

    Full service savings solutions that help you focus on what matters most — your business

    Mobile Banking6

    Download our free app 7 and conduct business on the go—including making mobile check deposits8—from anywhere you have an internet connection.

    Powerful digital tools 

    View balances by category, get cash flow projections, and monitor key transactions at a glance with Cash Flow Monitor.9 Enroll in Balance Connect™ for overdraft protection for your Business Advantage Banking account10

    Link accounts 

    Can be linked to a Business Advantage Relationship Banking or a Business Advantage Fundamentals™Banking solution. One Business Advantage Savings account included with no additional monthly fee as part of your Business Advantage Relationship Banking solution11

    FDIC insurance 

    Balances are insured up to applicable limits.

    Learn more about FDIC insurance

    Additional business services

    Manage your cash flow with additional business services like Merchant Services, Remote Deposit Online and more.

    Learn more about cash management tools

    Financial network

    Access to our network of financial centers, ATMs, and Business Advantage 360, our online and mobile banking6 platform.

    We offer 3 convenient ways of opening a business savings account:

     

    • Choose your business savings account and apply online 
    • Call 866.543.2808
    • Schedule an appointment with a small business specialist

     

    What you’ll need to apply: 

     

    • Sole Proprietor
    • General Partnership
    • Limited Partnership
    • Corporation
    • Professional Corporation
    • Limited Liability Company
    • Unincorporated Association
    • Professional Association

    Business Advantage Savings account Interest is calculated at the discretion of Bank of America and can change at any time after the account is opened without notice or limit. See a complete listing of rates

    Once we have both your completed application and required supplemental documents, we’ll make an application decision. If approved, your account could be open and ready to use within 24 hours. Remember, we need your supplemental documents within 11 days after you apply.

    After your account is open, you should receive your ATM card in the mail within 5-7 business days.

    Business Advantage Savings

    The monthly fee is $10.

    However, we waive the monthly fee if you do one of the following each statement cycle:

     

    Maintain a $2,500 minimum daily balance

    Include one Business Advantage Savings account as part of your Business Advantage Relationship Banking solution

    Be a member of Preferred Rewards for Business

    Get more information on rates and fees

    Connect with us

    We’ve made it as easy as possible.

    866.283.4075
    Mon-Fri 8 a.m. – 10 p.m. ET
    Schedule an appointment

     

    1. States, cities, counties and other public agencies should contact their banking representative to discuss product availability.

     

    2. Annual Percentage Yield is accurate as of 01/21/2024. This is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account.

     

    3. APYs listed may include multiple balance tiers shown as a single tier if an interest rate is the same across multiple tiers. The balance tiers applicable to this account may change at any time without notice, before or after the account is opened. Please see the rate sheet for more information.

     

    4. The Preferred Rewards for Business program savings interest rate booster is only available to members who have a Business Advantage Savings account and who have enrolled in the program. The interest rate booster will be applied to your Business Advantage Savings account after program enrollment. All savings accounts other than a Business Advantage Savings account, including Business Investment Account, are not eligible to receive the booster. Your enrollment in Preferred Rewards for Business will not automatically convert any other existing savings account type to a Business Advantage Savings account, and any conversion from a non-eligible savings account type into a Business Advantage Savings account requires that you ask us to do a conversion. If your enrollment in the program is discontinued for any reason, the interest rate booster will end.

     

    5. The Preferred Rewards for Business program is only available to Bank of America Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business clients. Other categories of clients, such as those commonly referred to as Business Banking, Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three-calendar month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements.

     

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

     

    7. The Mobile Banking app is available on select devices. Not all Mobile Banking app features are available on all devices.

     

    8. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Deposit Checks, then Help for details and other terms and conditions. Message and data rates may apply.

     

    9. You must be enrolled in Business Advantage 360, our small business online banking, or Mobile Banking to use Cash Flow Monitor and Connected Apps, and have an eligible Bank of America® small business deposit account. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

     

    When you use Cash Flow Monitor and Connected Apps to access services or information from third parties (“Third-Party Account Information”), you will be subject to any terms and conditions established by those third parties, in addition to the Cash Flow Monitor and Connected Apps Terms and Conditions. Bank of America, N.A. provides access to third-party websites and Third-Party Account Information only as a convenience, and is not responsible for, does not guarantee or endorse the services offered, and does not monitor or review such information for accuracy, completeness or otherwise. Information displayed through Cash Flow Monitor and Connected Apps may be more up-to-date when obtained directly from relevant third-party web sites. Neither Bank of America, its affiliates, nor their employees provide legal, accounting and tax advice.

     

    Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services. All third party trademarks, service marks, trade names and logos referenced in this material are the property of their respective owners. Bank of America does not deliver and is not responsible for the products, services or performance of any third party.

     

    10. Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible Bank of America accounts for overdraft protection. This optional service can help you cover your payments and purchases, and help avoid overdrafts and overdraft fees by automatically transferring available funds from your linked back-up account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Overdraft protection transfers from a linked Bank of America Small Business Line of Credit are considered advances and the amount advanced is subject to interest or finance charges as provided in your Line of Credit Agreement. Please refer to your Line of Credit Agreement for additional details. Overdraft protection transfers from a linked credit card are considered Cash Advances under your Credit Card Agreement and the amount advanced is subject to interest or finance charges as provided in your Credit Card Agreement. Please refer to your Credit Card Agreement for additional details.

     

    11. One Business Advantage Savings account can be included with a Business Advantage Relationship Banking solution for no additional monthly fee. Additional linked Business Advantage Savings accounts will incur a fee if the minimum daily balance requirement is not met. See Business Schedule of Fees for an explanation of how the monthly fee waiver is applied and specific balance requirements.

     

    Enter your zip code

    Please select your county

    Please enter the zip code for your business address so we can give you accurate rate and fee information for your location

    Please enter a valid zip code
    • Solutions
    • Careers
    • About
    • Contact Us
    • BrokerCheck
    • Form CRS
    Bank of America
    • Terms and Conditions
    • Privacy
    • Children's Privacy
    • Research Distribution Disclosure
    • Site Map
    • Advertising Practices
    • Browse with Specialist
    • Share your feedback
    • Your Privacy Choices

    Connect with us:

    • Facebook
    • Instagram
    • Linkedin
    • Pinterest
    • Twitter
    • Youtube

    © Bank of America Corporation. All rights reserved.

    6967535-EXP-2026-02-28

    With FINRA'S BrokerCheck, you can find out :

     

    • If a broker or brokerage firm is registered
    • What has been disclosed to regulators
    • About a broker's past experience
    • What a broker or brokerage firm is qualified to do

     

    You are leaving a Bank of America website and being redirected to FINRA'S BrokerCheck. The website is not owned by Bank of America, Bank of America® or their affiliates and is subject to separate terms and privacy policies.

    Continue

    Important notice:
    You are now leaving Bank of America

    By clicking Continue, you will be taken to a website that is not affiliated with Bank of America and may offer a different privacy policy and level of security. Bank of America is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.

     

    You can click the Cancel button now to return to the previous page.

    Continue

    Advertising Practices:

    We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

     

    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.