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egy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us if there are multiple owners on this account the information you provide should reflect the views and circumstances of all owners on the account if you are the fiduciary of this account for the benefit of the account owner or account holder e g trustee for a trust or custodian for an utma please keep in mind that these assets will be invested for the benefit of the account owner or account holder merrill guided investing is offered with and without an advisor merrill merrill lynch and or merrill edge investment advisory programs are offered by merrill lynch pierce fenner smith incorporated mlpf s and managed account advisors llc maa an affiliate of mlpf s mlpf s and maa are registered investment advisers investment adviser registration does not imply a certain level of skill or training clients enrolled in preferred rewards receive a preferred rewards discount off the merrill guided investing program s annual asset based fee of 0 45 and the merrill guided investing with advisor and merrill edge advisory account programs annual asset based fee of 0 85 for any of their accounts enrolled in the respective advisory programs preferred rewards enrolled clients receive a discount of 0 05 off of the annual rate for the gold tier 0 10 for the platinum tier or 0 15 for the platinum honors diamond and diamond honors tiers based on their preferred rewards tier effective at the time the applicable advisory program fee is calculated it may take up to 30 calendar days for changes to your preferred rewards status or tier to be associated with and effective for your accounts in the advisory programs this fee is charged monthly in advance in addition to the annual program fee the expenses of the investments will vary based on the specific funds within each portfolio actual fund expenses will vary please refer to each fund s prospectus footnote the chief investment office cio develops the investment strategies for merrill guided investing and merrill guided investing with advisor including providing its recommendations of etfs mutual funds and related asset allocations managed account advisors llc maa merrill s affiliate is the overlay portfolio manager responsible for implementing the merrill guided investing strategies for client accounts including facilitating the purchase sale of etfs and mutual funds in client accounts and updating account asset allocations when the cio s recommendations change while also implementing any applicable individual client or firm restriction s you may also be able to obtain the same or similar services or types of investments through other programs and services both investment advisory and brokerage offered by merrill these may be available at lower or higher fees than charged by the program the services that you receive by investing through merrill guided investing or merrill guided investing with advisor will be different from the services you receive through other programs you may also be able to obtain some or all of these types of services from other firms and if they are available the fees associated with them may be lower or higher than the fees we charge footnote asset allocation diversification and rebalancing do not ensure a profit or protect against loss in declining markets click here for important disclosures and footnotes footnote preferred rewards program eligibility you can enroll and maintain your membership in the bank of america preferred rewards program if you have an active eligible personal checking account with bank of america and maintain the balance required for one of the balance tiers the balance tiers are 20 000 for the gold tier 50 000 for the platinum tier 100 000 for the platinum honors tier 1 000 000 for the diamond tier and 10 000 000 for the diamond honors tier balances include your combined qualifying bank of america deposit accounts such as checking savings certificate of deposit and or your merrill investment accounts such as cash management accounts 529 plans you can satisfy the combined balance requirement for enrollment with either a three month combined average daily balance in your qualifying deposit and investment accounts or a current combined balance provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account refer to your personal 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 bank of america private bank clients qualify to enroll in the diamond tier regardless of balance and may qualify for the diamond honors tier based on their qualifying bank of america merrill and private bank balances certain benefits are also available without enrolling in preferred rewards if you satisfy balance and other requirements for details on bank of america employee qualification requirements please call employee financial services or refer to the bank of america intranet site employees of companies participating in the bank of america employee banking and investing program may be eligible to participate on customized terms refer to cebi program for details footnote merrill guided investing 6 month offer introductory 6 month program fee waiver offer eligible for accounts that are newly enrolled into the merrill guided investing program mgi starting on and after march 27 2023 how it works to be eligible for the offer you must input the offer code during the account opening step through the mgi website or you must instruct a merrill representative to input the offer code for you you are solely responsible for taking this action to be eligible for the offer once your account with the offer code applied has enrolled into mgi merrill will waive mgi s annual asset based fee of 0 45 program fee for the initial partial month if applicable and for 6 full months after the effective date your account s enrollment in mgi offer period this offer is solely limited to merrill s waiver of mgi s program fee your mgi enrolled account will be subject to fees and expenses not covered by mgi s program fee during and after the offer period including the internal fees and expenses of funds in your account as described in the mgi adv brochure please refer to the mgi adv brochure section fees and expenses not covered by the program fee for a list of other fees and expenses that your mgi enrolled account may be charged and that are not included in mgi s program fee this offer is only available to newly enrolled mgi accounts is not transferable to another account and may not be combined with other offers relating to the account s advisory program fee when the offer period expires your mgi enrolled account will be subject to mgi s annual asset based program fee of 0 45 which is charged monthly in advance if you unenroll your account from mgi before the offer period expires you ll owe no program fee for the services provided while the account was enrolled in mgi if you are eligible for mgi program fee discounts rebates or credits under the preferred rewards program offered by bana then those benefits will apply following the offer period s expiration you may be eligible for other offers from merrill and its affiliates please contact us for more information merrill reserves the right to modify these terms and conditions or terminate this offer at any time without notice merrill also reserves the right to refuse a waiver or portion of a waiver for an mgi enrolled account if it determines that the account obtained it under fraudulent circumstances that you provided inaccurate or incomplete information in enrolling the account in mgi or that you violated any terms of your mgi agreement mgi program enrollment requirements and guidelines apply tax disclaimer the value of the waiver of mgi s program fee may constitute taxable income merrill may issue an internal revenue service form 1099 or other appropriate form to you that reflects the value of the waiver please consult your tax advisor bank of america corporation and its affiliates and associates do not provide tax advice map6203467 08012025 connect with us connect with us investing in securities involves risks and there is always the potential of losing money when you invest in securities asset allocation diversification and rebalancing do not ensure a profit or protect against loss in declining markets merrill its affiliates and financial advisors do not provide legal tax or accounting advice you should consult your legal and or tax advisors before making any financial decisions this material is not intended as a recommendation offer or solicitation for the purchase or sale of any security or investment strategy merrill offers a broad range of brokerage investment advisory including financial planning and other services additional information is available in our client relationship summary pdf merrill lynch pierce fenner smith incorporated also referred to as mlpf s or merrill makes available certain investment products sponsored managed distributed or provided by companies that are affiliates of bank of america corporation bofa corp mlpf s is a registered broker dealer registered investment adviser member securities investor protection sipc popup and a wholly owned subsidiary of bank of america corporation bofa corp merrill lynch life agency inc mlla is a licensed insurance agency and wholly owned subsidiary of bofa corp banking products are provided by bank of america n a and affiliated banks members fdic and wholly owned subsidiaries of bank of america corporation investment products offered through mlpf s and insurance and annuity products offered through mlla are not fdic insured are not bank guaranteed may lose value are not deposits are not insured by any federal government agency are not a condition to any banking service or activity privacy security glossary advertising practices popup advertising practices popup 2024 bank of america corporation all rights reserved 4326521 i d like to plan for retirement plan for college create an emergency fund create an investment strategy open an account with merrill discover merrill why merrill pricing bank of america preferred rewards online trading careers awards recognition contact us 888 637 3343 to find the small business retirement plan that works for you contact franchise bankofamerica com connect with us unlimited 0 trades with merrill edge self directed get unlimited free online stock etf and option trades with no trade or balance minimums footer footnote b options contracts and other fees may apply footer footnote a open an account with merrill edge self directed footer footnote other fees may apply free and 0 means there is no commission charged for these trades 0 option trades are subject to a 0 65 per contract fee sales are subject to a transaction fee of between 0 01 and 0 03 per 1 000 of principal there are costs associated with owning etfs to learn more about merrill pricing visit our pricing page footer footnote merrill waives its commissions for all online stock etf and option trades placed in a merrill edge self directed brokerage account brokerage fees associated with but not limited to margin transactions special stock registration gifting account transfer and processing and termination apply 0 option trades are subject to a 0 65 per contract fee other fees and restrictions may apply pricing is subject to change without advance notice investing in securities involves risks and there is always the potential of losing money when you invest in securities asset allocation diversification and rebalancing do not ensure a profit or protect against loss in declining markets the performance data contained herein represents past performance which does not guarantee future results investment return and principal value will fluctuate so that shares when redeemed may be worth more or less than their original cost current performance may be lower or higher than the performance quoted for performance information current to the most recent month end please contact us net asset value nav returns are based on the prior day closing nav value at 4 p m et nav returns assume the reinvestment of all dividend and capital gain distributions at nav when paid market price returns are based on the prior day closing market price which is the average of the midpoint bid ask prices at 4 p m et market price returns do not represent the returns an investor would receive if shares were traded at other times returns include fees and applicable loads since inception returns are provided for funds with less than 10 years of history and are as of the fund s inception date 10 year returns are provided for funds with greater than 10 years of history before investing consider carefully the investment objectives risks and charges and expenses of the fund including management fees other expenses and special risks this and other information may be found in each fund s prospectus or summary prospectus if available always read the prospectus or summary prospectus carefully before you invest or send money prospectuses can be obtained by contacting us expense ratio gross expense ratio is the total annual operating expense before waivers or reimbursements from the fund s most recent prospectus you should also review the fund s detailed annual fund operating expenses which are provided in the fund s prospectus this material is not intended as a recommendation offer or solicitation for the purchase or sale of any security or investment strategy merrill offers a broad range of brokerage investment advisory including financial planning and other services additional information is available in our client relationship summary form crs pdf merrill its affiliates and financial advisors do not provide legal tax or accounting advice you should consult your legal and or tax advisors before making any financial decisions merrill lynch pierce fenner smith incorporated also referred to as mlpf s or merrill makes available certain investment products sponsored managed distributed or provided by companies that are affiliates of bank of america corporation bofa corp mlpf s is a registered broker dealer registered investment adviser member securities investor protection sipc popup and a wholly owned subsidiary of bank of america corporation bofa corp banking products are provided by bank of america n a and affiliated banks members fdic and wholly owned subsidiaries of bank of america corporation b...