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DISCLOSURE: FINANCIAL

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The author of the message that directed you to this page has no material
connection to any person, company, product, or service mentioned in that
message.

DISCLOSURE: FINANCIAL

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The author of the message that directed you to this page has no material
connection to any person, company, product, or service mentioned in that
message.


RELATIONSHIP DISCLAIMER

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as
“Merrill” or “MLPF&S”) is providing access to this third-party website and
associated disclaimers by way of a third-party vendor, CMP.LY. Merrill has no
affiliation with CMP.LY nor does it explicitly or implicitly endorse CMPLY or
the services it provides.


DISCLOSURE INFORMATION

You are about to visit a website not affiliated with Merrill or Bank of America
and that 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 offered or expressed on
other websites.

Merrill is providing a link to this third-party website only as a convenience to
you. Merrill and its parent, subsidiaries, and affiliates have no affiliation
with this website, and do not control the accuracy, completeness, timeliness or
appropriateness of any content, links, or information contained in, or displayed
on, the website. Merrill and its parent, subsidiaries and affiliates do not
explicitly or implicitly endorse or approve, or pay for, or participate in any
way in the development of, any content, links, or information contained within,
or accessible to or from the third party website. Merrill and its parent,
subsidiaries and affiliates do not investigate, verify, or monitor any content,
links, or information contained within or accessible to or from the third party
website, and do not know, or have reason to know, if any such content, links, or
information is false or misleading. If you choose to access this third-party
website, then you will be subject to that website’s terms of use, information
security, and privacy policies, if any, over which Merrill and its parent,
subsidiaries, and affiliates have no control or influence. In no event will
Merrill or its parent, subsidiaries or affiliates be liable or responsible for
any information, links, or content within or accessible to or from the third
party website that you access, or liable or responsible for any decision or
action that you take relating to your use or access of that website. Nothing
contained in any content provided by Merrill to the third party website is, or
can be construed to be, an offer to sell or a solicitation to purchase any
security, investment product, or other financial product or service, an official
confirmation of any transaction, or an official statement of Merrill or its
affiliates or subsidiaries.

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 does not take into account your particular investment objectives,
financial situations or needs and is not intended as a recommendation, offer or
solicitation for the purchase or sale of any security, financial instrument, or
strategy. Before acting on any information in this material, you should consider
whether it is suitable for your particular circumstances and, if necessary, seek
professional advice. Any opinions expressed herein are given in good faith, are
subject to change without notice, and are only correct as of the stated date of
their issue.

Any ranking or ratings provided are not representative nor indicative of any one
client’s experience, future performance, or investment outcome.

Any opinions expressed herein are given in good faith, are subject to change
without notice, and are only correct as of the stated date of their issue.

Asset allocation, diversification or rebalancing does not ensure a profit or
protect against loss in declining markets. Past performance does not guarantee
future results. Investing involves risk, including the possible loss of
principal.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as
“Merrill” or “MLPF&S”) 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 SIPC, and a wholly-owned subsidiary of
BofA Corp.

Bank of America Private Bank is a division of Bank of America, N.A., Member
FDIC, and a 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 BofA Corp.

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

© 2022 Bank of America Corporation. All rights reserved.

3796588


DISCLOSED FOR

Merrill

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