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 * Privacy and Security Glossary


CONSUMER PRIVACY NOTICE


U.S. CONSUMER PRIVACY NOTICE

FACTS

WHAT DOES BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Under
federal law, that means personally identifiable information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires
us to tell you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or
service you have with us.
This information can include:

 * Social Security number and employment information
 * account balances, transaction history and credit information
 * assets and investment experience

How?

All financial companies need to share customers’ personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons Bank of
America chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Bank of America share?Can you
limit this sharing?For our everyday business purposes — such as to process your
transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureausYesNoFor our marketing purposes —
with service providers we use to offer our products and services to you (please
see below to limit the ways we contact you)YesNoFor joint marketing with other
financial companiesYesNoFor our affiliates’ everyday business purposes —
information about your transactions and experiencesYesNoFor our affiliates’
everyday business purposes — information about your creditworthinessYesYesFor
nonaffiliates to market to you — for all credit card accountsYesYesFor
nonaffiliates to market to you — for accounts and services endorsed by another
organization (e.g., debit card co-branded with a baseball team) “Sponsored
Accounts”YesYesFor nonaffiliates to market to you — for accounts other than
credit card accounts and Sponsored Accounts, such as insurance, investments,
deposit and lendingNoWe don't share

To limit our sharing

 * Visit us online: bankofamerica.com/privacy
 * Call 888.341.5000 — our menu will prompt you through your choices
 * Talk to your assigned financial advisor

Please note: If you are a new customer, we can begin sharing your information 45
days from the date we sent this notice. When you are no longer our customer, we
continue to share your information as described in this notice. However, you can
contact us at any time to limit our sharing.

To limit direct marketing contact

 * Visit us online: bankofamerica.com/privacy
 * Call 888.341.5000 — our menu will prompt you through your choices
 * Talk to your assigned financial advisor

Please Note: Direct marketing is email, postal mail and telephone marketing.
Your telephone and postal mail opt-out choices will last for five years, subject
to applicable law. Even if you limit direct marketing, we may still contact you
to service your account or as otherwise allowed by law.

Questions?

Call 888.341.5000 or go to bankofamerica.com/privacy


WHO WE ARE

Who is providing this notice?

Bank of America U.S. legal entities that utilize the names: Bank of America,
Banc of America, Bank of America Private Bank or Merrill, as well as the
entities listed in the Bank of America U.S. legal entities section.


WHAT WE DO

How does Bank of America protect my personal information?

To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings. For more information, visit
bankofamerica.com/security or ml.com/security.

How does Bank of America collect my personal information?

We collect your personal information, for example, when you:

 * open an account or perform transactions
 * apply for a loan or use your credit or debit card
 * seek advice about your investments

We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit some but not all sharing related to:

 * affiliates’ everyday business purposes—information about your
   creditworthiness
 * affiliates from using your information to market to you
 * nonaffiliates to market to you

State laws and individual Bank of America companies may give you more rights to
limit sharing. See Other important information section for your rights under
state law.

What happens when I limit sharing for an account I hold jointly with someone
else?

Your choices will apply to you alone unless you tell us otherwise. However, your
choice to limit sharing with nonaffiliates to market to you for credit card
accounts or Sponsored Accounts will apply to all joint account holders. If you
have more than one credit card account or Sponsored Account and you choose to
opt out, you will need to do so for each account.


DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be Financial and
nonfinancial companies.

 * Our affiliates include companies that utilize the names Bank of America, Banc
   of America, U.S. Trust or Merrill.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
nonfinancial companies.

 * Nonaffiliates we share with can include financial services companies such as
   insurance agencies or mortgage brokers, nonfinancial companies such as
   retailers, travel companies and membership groups; and other companies such
   as nonprofit groups.

Joint marketing

A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

 * Our joint marketing partners include financial services companies.


OTHER IMPORTANT INFORMATION

Do Not Call Policy. This notice is the Bank of America Do Not Call Policy under
the Telephone Consumer Protection Act. We do not solicit via telephone numbers
listed on the state or federal Do Not Call lists, unless the law allows. Bank of
America employees receive training on how to document and process telephone
marketing choices. Consumers who ask not to receive telephone solicitations from
Bank of America will be placed on the Bank of America Do Not Call list and will
not be called in future campaigns, including those of Bank of America
affiliates.
Call Monitoring and Recording. If you communicate with us by telephone, we may
monitor or record the call.

For Nevada residents only. We are providing you this notice under state law. You
may be placed on our internal Do Not Call List by following the directions in
the To limit direct marketing contact section. Nevada law requires we provide
the following contact information: Bureau of Consumer Protection, Office of the
Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101;
Phone number: 702.486.3132; email: aginfo@ag.nv.gov; Bank of America, P.O. Box
25118, Tampa, FL 33622-5118; Phone number: 888.341.5000; Click on “Contact Us”
at bankofamerica.com/privacy.

Vermont: Under Vermont law, we will not share information we collect about
Vermont residents with companies outside of our corporate family, unless the law
allows. For example, we may share information with your consent, to service your
accounts or under joint marketing agreements with other financial institutions
with which we have joint marketing agreements. We will not share information
about your creditworthiness within our corporate family except with your
consent, but we may share information about our transactions or experiences with
you within our corporate family without your consent.

California: Under California law, we will not share information we collect about
you with companies outside of Bank of America, unless the law allows. For
example, we may share information with your consent, to service your accounts,
or to provide rewards or benefits you are entitled to. We will limit sharing
among our companies to the extent required by California law.

For Insurance Customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH,
OR and VA only. The term “Information” in this part means customer information
obtained in an insurance transaction. We may give your Information to state
insurance officials, law enforcement, group policy holders about claims
experience or auditors as the law allows or requires. We may give your
Information to insurance support companies that may keep it or give it to
others. We may share medical Information so we can learn if you qualify for
coverage, process claims or prevent fraud, or if you say we can. To see your
Information, write Insurance Operations, FL9-805-03-12, 4800 Deer Lake Drive
East, Jacksonville, FL 32246. You must state your full name, address, the
insurance company, policy number (if relevant) and the Information you want. We
will tell you what Information we have. You may see and copy the Information
(unless privileged) at our office or ask that we mail you a copy for a fee. If
you think any Information is wrong, you must write us. We will let you know what
actions we take. If you do not agree with our actions, you may send us a
statement.


BANK OF AMERICA U.S. LEGAL ENTITIES

Bank of America U.S. legal entities that utilize the names: Bank of America,
Banc of America, U.S. Trust or Merrill and the entity Managed Account Advisors
L.L.C.

Rev 01/2022


PRINTABLE NOTICES

U.S. Consumer Privacy Notice in English
U.S. Consumer Privacy Notice in Spanish

--------------------------------------------------------------------------------

(PDFs require Adobe Reader layer)


ANSWER CENTER

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Your notice says Federal law gives consumers the right to limit some, but not
all, sharing. What are other ways you share under the law?

Under the Gramm-Leach-Bliley Act, we are permitted to share with third parties,
without regard to the customer choices, in connection with situations where we
are required to disclose information, such as responding to subpoenas or tax
reporting, and for typical business activities, such as sharing to identify or
prevent fraud, to resolve customer disputes and enforce our rights, in
connection with sale of all or part of a business or with consent.

Does the Consumer Privacy Notice apply to all transactions and other activities
I perform while I'm banking online at Bank of America?
Yes. The Consumer Privacy Notice describes how the company collects, shares and
protects personal information about customers in order to conduct business. This
Notice applies to all Bank of America customers and their account transactions
and other activities performed online as well as offline. Additionally, our
Online Privacy Notice explains how we manage the privacy and security of
personal and other information collected online. We encourage you to learn more
by reading our Online Privacy Notice.

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More privacy and security FAQs


AFFILIATE COMPANIES

Under federal law, you have the right to limit some of the ways in which
personally identifiable information is shared with Bank of America affiliates.

--------------------------------------------------------------------------------

See a complete list of affiliates
 * Locations
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 * CA Opt-Out Preference Signals Honored


   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 layer powered by the DAA or through the Network Advertising
   Initiative's Opt-Out Tool layer. 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.

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© 2023 Bank of America Corporation. All Rights Reserved.

Patent: patents.bankofamerica.com


SHARING AND SELLING OF PERSONAL INFORMATION

California residents covered by the California Consumer Privacy Act have the
right to opt-out from the “sale” or “sharing” of their personal information via
browser-enabled opt-out preference signals. While we do not “sell” or “share”
personal information of California residents, Bank of America treats opt-out
preference signals as valid requests to opt-out of sale/sharing for the browser.
For more information, please see our CCPA Notice.
CCPA Notice

Sharing and Selling of Personal Information

SHARING AND SELLING OF PERSONAL INFORMATION



CA Opt-Out Preference Signals Honored

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