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Small Business Resources is now the Center for Business Empowerment.

 * Small Business
 * Business & Institutions
 * Schedule an appointment
 * Client Login
    * Business Advantage 360
    * CashPro® Online

 * Finance
    * Capital
      
      Funding options and ways to build a positive credit history
   
    * Cash flow
      
      How to optimize money moving into and out of your business
   
    * Accounting
      
      Information on taxes, recordkeeping and accounting practices
   
   Financing options for small businesses
   
   Throughout the life of your business you may need to secure outside funding.
   Learn about traditional and alternative financing options that can help you
   achieve your goals.

 * Strategy & Operations
    * Strategy & planning
      
      Resources for starting, running and growing a business
   
    * Employee management
      
      Ways to attract and retain the best employees
   
    * Marketing & sales
      
      How to reach, convert and hold customers
   
    * Operations
      
      Trends and tactics on supply chain and logistics
   
   Starting a new business?
   
   Explore tools, resources and special offers that can help lay the foundation
   for your new business.

 * Research & Insights
    * Industry insights
      
      Reports and expert analysis on the big picture— and how it impacts your
      industry
   
    * Featured reports
      
      Studies on the viewpoints, goals and concerns of business owners
   
   BANK OF AMERICA INSTITUTE
   
   Small Business Checkpoint
   
   A monthly publication on the latest small business trends.

 * Women & Diverse Business Owners
    * Women business owners
    * Black and African American business owners
    * Hispanic-Latino business owners
    * Asian American and Pacific Islander business owners
   
   Asian American Pacific Islander Business Owners
   
   We celebrate the continued success of AAPI entrepreneurs. Our suite of
   powerful digital tools, resources and expert advice were all designed to help
   you make every move matter.

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Center for Business Empowerment




CENTER FOR BUSINESS EMPOWERMENT

Let us be your source for information and inspiration, whether you’re launching
a new business or running an established one. Our how-tos, insights and
resources can help you prosper and grow.





TIMELY GUIDANCE TO MOVE YOUR BUSINESS FORWARD




2024 BUSINESS OWNER REPORT

Take a deep dive into the perspectives, aspirations, concerns and future
outlooks of small business owners across the country. 


View the report



THE PROS AND CONS OF 5 FINANCING OPTIONS TO HELP IMPROVE CASH FLOW

Financing can be a useful tool to help you smooth cash flow. Know the pros and
cons of various financing options so you can choose the best for your business.


Review financing options



SMALL BUSINESS CHECKPOINT: THE COSTS OF DOING BUSINESS

Loan payments and services inflation are driving up operational costs, though
optimism around future revenue expectations remains.


View the May 2024 report

 * 1
 * 2
 * 3


FINANCE

Secure capital. Optimize cash flow. Streamline accounting. We have strategies,
guidance and tools for businesses at any stage. Key topics covered are securing
capital, managing cash flow and accounting.

 

See all finance resources



WHAT IS THE DIFFERENCE BETWEEN GROSS AND NET INCOME?

Gross and net income are two key metrics used to assess business performance.
Knowing the difference is critical to understanding your business’s financial
health.

4-minute read


HOW DO I OPEN A BUSINESS BANK ACCOUNT?

Opening a business bank account allows you to separate your personal and
business finances. Knowing what to expect can help streamline the set-up
process.

4-minute read


FACTORS THAT IMPACT LOAN DECISIONS (AND HOW TO INCREASE YOUR APPROVAL ODDS)

If you are considering applying for financing to help grow your business, it's
important to understand what lenders typically look for when evaluating a loan
application.

7-minute read


10 WAYS TO HELP AVOID BUSINESS BANKING AND CREDIT CARD FEES

One simple way to manage monthly business expenses is by choosing the most
cost-effective banking products and services and using them in a way that
minimizes fees.

4-minute read


3 TIPS FOR AN EFFECTIVE E-COMMERCE WEBSITE

An enjoyable online experience is increasingly just as important as an in-store
experience. Explore three tips to create an effective experience for your
e-commerce site.

7-minute read


5 WAYS WOMEN ENTREPRENEURS CAN FUND A STARTUP

Many women tap personal savings or income to fund their startups. Other funding
options do exist, however, including loans and grants earmarked for women-owned
businesses.

6-minute read


8 TAX TIPS FOR SMALL BUSINESS OWNERS

Business owners often look for ways to minimize their company’s tax liability.
Discuss these tips with your tax professional to potentially reduce your tax
liability.

7-minute read


LENDING RESOURCES FOR HISPANIC-LATINO BUSINESS OWNERS

As Hispanic-owned businesses continue to grow, access to capital remains
imperative. Learn about sources of funding, including equity, loans and grants.

5-minute read


ANGEL INVESTORS SEEK WOMEN-OWNED BUSINESS STARTUPS: HOW TO FIND A MATCH

An angel investor is that rare person who, in exchange for a piece of the
business, is willing to take a risk with their own money and help fund
early-stage companies.

6-minute read


CASH FLOW MANAGEMENT BASICS FOR SMALL BUSINESSES

Maintaining a healthy cash flow can help ensure that you have cash available for
your needs today and in the long term. But how do you do it?

7-minute read


CASH VS. ACCRUAL-BASIS ACCOUNTING: WHAT’S BEST FOR MY SMALL BUSINESS?

Here's a look at how the accounting methods work, their advantages and
disadvantages, and how to select the right one for your business.

5-minute read


CLIENT SPOTLIGHT: DR. JOSH SANABRIA OF ISLA VETERINARY BOUTIQUE HOSPITAL

Since the age of six, Dr. Josh Sanabria has had an unwavering love of animals.
Hear how he was able to make his lifelong dream of owning a veterinarian clinic
a reality.

Watch, 3:05 minutes


CLIENT SPOTLIGHT: MIA DAVIS, OWNER, MIKKO SUSHI

Learn how Mia Davis failed in the restaurant business, returned to school to
study accounting and now has three restaurants in the San Diego, CA area.

Watch, 2:26 minutes


CREDIT SCORE BASICS FOR SMALL BUSINESSES

To secure the credit you need at the most attractive interest rates, it helps to
have a strong business credit score, which is a measure of the financial health
of your company.

5-minute read


EXCEED YOUR CUSTOMERS’ EVOLVING EXPECTATIONS WITH AN E-COMMERCE SOLUTION

E-commerce technology is getting more user-friendly and affordable with each
passing year, allowing many businesses to get up and running with a modest
annual investment.

5-minute read


EXPAND YOUR SALES FOOTPRINT WITH MOBILE POINT-OF-SALE SOLUTIONS

The ability to process transactions anywhere and transform any tablet or
smartphone into a payment device is game-changing. Here's what to know about
mobile point of sale.

8-minute read


FINANCING OPTIONS FOR SMALL BUSINESSES

Throughout the life of your business you may need to secure outside funding.
Learn about traditional and alternative financing options that can help you
achieve your goals.

9-minute read


FUNDING RESOURCES FOR BLACK ENTREPRENEURS

Securing capital is a challenge often cited by Black entrepreneurs. Understand
where to find loans and grants available and allocated for minority and
black-owned businesses.

4-minute read


HOW CAN MY BUSINESS ACCEPT ONLINE PAYMENTS?

Accepting online payment is not only more convenient for your customers, but as
a business owner, you stand to benefit, too.

5-minute read


HOW DO I GET A BUSINESS CREDIT CARD?

A business credit card can be a powerful financial tool for your business. When
applying for a credit card, doing some prep work up front can help speed up the
process.

3-minute read


HOW TO BUILD A BUSINESS CREDIT PROFILE

Building your business’s credit profile can be a passport to growth. Hear useful
tips on how business owners can build their business credit profile.

Watch, 1:58 minutes


HOW TO CHOOSE A MERCHANT SERVICES PROVIDER

It’s more important than ever that your merchant services provider allows your
business to accept multiple forms of electronic payment. Here's what else to
consider.

5-minute read


HOW TO CREATE A BUDGET FOR YOUR BUSINESS

If you want to increase the odds of having a successful business, start by
creating a budget. Here’s how to create a budget and use it to make the best
decisions for your business.

7-minute read


HOW TO FIND INVESTORS FOR YOUR SMALL BUSINESS

The right investors can provide a wealth of benefits beyond the money they bring
to your business - from access to their professional network to well-grounded
advice.

6-minute read


HOW TO GET MORE OUT OF YOUR RELATIONSHIP WITH YOUR CPA

Making the most of your CPA’s knowledge can help you reach your business goals
more quickly and avoid costly mistakes. Learn how to tap their expertise all
year round.

5-minute read


HOW TO MAXIMIZE CREDIT CARD REWARDS FOR YOUR SMALL BUSINESS

When it comes to managing finances, every little bit helps. Here are a few tips
to get the most out of rewards credit cards.

6-minute read


HOW TO READ A BALANCE SHEET

A balance sheet can help you understand you how financially healthy your company
is or whether you're prepared for new opportunities.

4-minute read


UNDERSTANDING A PROFIT AND LOSS (P&L) STATEMENT

Is your business profitable? Are costs reasonable? Are enough sales being
generated? A P&L statement can help you answer these critical questions.

4-minute read


LEVERAGE POINT OF SALE SOLUTIONS TO REDUCE RESTAURANT OPERATING COSTS

Here are three ways a point of sale solution may help streamline critical
day-to-day activities — and free you up to focus on other aspects of your
business.

4-minute read


LINE OF CREDIT VS. BUSINESS CREDIT CARD: AN OVERVIEW

Having both a business credit card and a line of credit can be integral to your
success. Here’s a quick overview so you can make the most of each.

4-minute read


PAYROLL MADE SIMPLER

Cutting paychecks — while staying in compliance with federal and state agencies
— is a big responsibility. Use this guide to streamline your payroll process.

5-minute read


PAYROLL SERVICE OPTIONS FOR YOUR SMALL BUSINESS

Payroll services and software may help business owners save both time and money.
Review these questions to see if outsourcing the job or using software is right
for you.

6-minute read


SHOULD I DIY MY BUSINESS TAXES?

Whether DIY is the right strategy depends on many factors. The size and
complexity of your business — as well as how much time and experience you have —
are important to consider.

3-minute read


TAX BASICS FOR SMALL BUSINESSES

Taxes can sometimes be overlooked by new entrepreneurs. Plan for business taxes
from day one to ensure accuracy and reduce the risk of tax penalties down the
line.

8-minute read


THE BASICS OF CLOUD-BASED ACCOUNTING

Cloud-based accounting systems allow you to access data and financial software
from anywhere. Learn the basics and what to consider when evaluating options for
your business.

4-minute read


THE EXPANDING BENEFITS OF DIGITAL PAYMENTS

More tech-savvy consumers, combined with an increased focus on digital security
and convenience by buyers and sellers, is broadening demand for digital
payments.

5-minute read


THE PROS AND CONS OF 5 FINANCING OPTIONS TO HELP IMPROVE CASH FLOW

Financing can be a useful tool to help you smooth cash flow. Know the pros and
cons of various financing options so you can choose the best for your business.

4-minute read


THE SMALL BUSINESS SUSTAINABILITY CHECKLIST

Every business’s sustainability journey will be different. Review the strategies
and steps all companies can consider along the way.

9-minute read


THE TOP EMPLOYEE PERKS AND BENEFITS THAT MATTER MOST

In a tight labor market, offering the right employee benefits and perks can help
your small business find and keep the best talent — and maintain a competitive
edge.

7-minute read


TIPS ON HOW AAPI BUSINESS OWNERS CAN GAIN ACCESS TO CAPITAL

Hear advice one banker shares with Asian American and Pacific Islander small
business owners who are interested in finding capital to fund their business’s
growth.

6-minute read


UNDERSTANDING FREE CASH FLOW

Free cash flow is what is left after a business pays its day-to-day operating
expenses. Learn how to calculate free cash flow and how to utilize it for your
business.

5-minute read


WHAT ARE CHARGEBACKS AND HOW TO REDUCE THEM

If you have a number of chargebacks in a short time, your payment processor may
charge additional fees. Learn about chargebacks and ways to reduce them.

4-minute read


WHAT CAN I DO IF MY BUSINESS LOAN IS NOT APPROVED?

It can be disheartening for a business owner to learn that their loan
application has been denied. Here is some advice on what to do next.

4-minute read


WHAT EVERY SMALL BUSINESS OWNER NEEDS TO KNOW ABOUT QUARTERLY TAXES

Business owners generally have to pay estimated taxes after the end of each
quarter. Understand the process and best practices that can help you stay on
track.

7-minute read


WHAT IS A BUSINESS LINE OF CREDIT AND HOW DOES IT WORK?

The ability to adapt to change, especially in times of growth or uneven cash
flow, is critical. When you need ready access to cash, a line of credit may be
an ideal solution.

3-minute read


WHAT IS A BUSINESS LOAN AND HOW DO I GET ONE?

A business loan is a way for companies to borrow funds for business purposes,
such as bolstering working capital or purchasing commercial property.

6-minute read


WHAT IS A POINT OF SALE SYSTEM AND HOW TO CHOOSE ONE FOR YOUR SMALL BUSINESS

Today’s POS systems are far more than just a modern cash register. Consider
investing in a comprehensive POS system that sets you up for success today and
as your company grows.

6-minute read


WHAT IS AN SBA LOAN AND HOW DO I QUALIFY?

Backed by the U.S. Small Business Administration, these loans allow financial
institutions to provide business loans with more favorable terms or more
flexible underwriting criteria than conventional loans.

8-minute read


WHAT IS BUSINESS CREDIT AND HOW DO I BUILD IT?

The ability to borrow money can help you jump on opportunities and navigate
challenges. Learn about building business credit in these 8 steps.

2-minute read


WHAT IS CREDIT CARD PROCESSING AND HOW DOES IT WORK?

To decide which kinds of payment solutions are best for your business, it’s
important to also understand the process that allows a business to securely
accept payments.

1-minute read


WHAT IS THE DIFFERENCE BETWEEN SECURED AND UNSECURED BUSINESS LOANS?

Both secured and unsecured business loans can be useful tools for expanding your
business. Understanding the difference can help you select the right one for
your business.

4-minute read


WHAT YOU NEED TO KNOW ABOUT PAYMENT PROCESSING FEES

As payments made by credit card increase, it's important to know what fees
you'll likely encounter and how to decide which pricing plan works best for your
business.

4-minute read


WHY AND HOW TO KEEP YOUR PERSONAL AND BUSINESS FINANCES SEPARATE

Get step-by-step guidance on how to organize and set up your business finances
to protect yourself, streamline accounting and build business credit.

6-minute read


WORKING CAPITAL: WHAT IS IT AND WHY IS IT IMPORTANT?

Having enough working capital can make all the difference in building a business
that’s thriving and ready to seek new opportunities.

6-minute read
Show more
Show less




I’M INTERESTED IN

Use this tool to find information that matches your needs. Click a topic on the
left to see specific resources and tips.

Starting a business Funding options Managing cash flow Building business credit


HOW TO START A BUSINESS IN 15 STEPS

This guide will walk you through the foundational elements of starting a
business and explain what you can expect as you embark on the journey toward
business ownership.

Learn more


CONSIDERATIONS WHEN CHOOSING A BUSINESS STRUCTURE

Choosing the right business structure is critical for all business types as it
influences everything from day-to-day operations to taxes and your personal
assets.

Explore options


HOW TO WRITE AN EFFECTIVE BUSINESS PLAN

Research shows that owners who complete business plans are twice as likely to
grow their business successfully or obtain capital compared to those who don’t.

See our guide


WHAT IS A DBA & WHAT DOES IT MEAN FOR YOUR BUSINESS?

DBA - or "doing business as" - is when a person or corporation decides to do
business under a name different than its legal name.

Learn how DBA works


FINANCING OPTIONS FOR SMALL BUSINESSES

Throughout the life of your business you may need to secure outside funding.
Learn about traditional and alternative financing options that can help you
achieve your goals.

Learn more


LINE OF CREDIT VS. BUSINESS CREDIT CARD: AN OVERVIEW

Having both a business credit card and a line of credit can be integral to your
success. Here’s a quick overview so you can make the most of each.

Explore why


FACTORS THAT IMPACT LOAN DECISIONS (AND HOW TO INCREASE YOUR APPROVAL ODDS)

If you are considering applying for financing to help grow your business, it's
important to understand what lenders typically look for when evaluating a loan
application.

Ways to improve odds


ACCESS TO CAPITAL DIRECTORY FOR ENTREPRENEURS

When traditional bank lending is not the right fit for your business, you may
want to explore alternative sources of capital. Our curated database can help
you find sources of equity, debt and grant funding.

View directory


CASH FLOW MANAGEMENT BASICS FOR SMALL BUSINESSES

Maintaining a healthy cash flow can help ensure that you have cash available for
your needs today and in the long term. But how do you do it?

Learn how


10 WAYS TO HELP AVOID BUSINESS BANKING AND CREDIT CARD FEES

One simple way to manage monthly business expenses is by choosing the most
cost-effective banking products and services and using them in a way that
minimizes fees.

See tips


UNDERSTANDING FREE CASH FLOW

Free cash flow is what is left after a business pays its day-to-day operating
expenses. Learn how to calculate free cash flow and how to utilize it for your
business.

Get details


PAYROLL SERVICE OPTIONS FOR YOUR SMALL BUSINESS

Payroll services and software may help business owners save both time and money.
Review these questions to see if outsourcing the job or using software is right
for you.

Find out more


WHAT IS BUSINESS CREDIT AND HOW DO I BUILD IT?

The ability to borrow money can help you jump on opportunities and navigate
challenges. Learn about building business credit in these 8 steps.

See our guide


HOW DO I GET A BUSINESS CREDIT CARD?

A business credit card can be a powerful financial tool for your business. When
applying for a credit card, doing some prep work up front can help speed up the
process.

Find out more


WHY AND HOW TO KEEP YOUR PERSONAL AND BUSINESS FINANCES SEPARATE

Get step-by-step guidance on how to organize and set up your business finances
to protect yourself, streamline accounting and build business credit.

Find out more


CREDIT SCORE BASICS FOR SMALL BUSINESSES

To secure the credit you need at the most attractive interest rates, it helps to
have a strong business credit score, which is a measure of the financial health
of your company.

Learn more



STRATEGY & OPERATIONS

Our step-by-step guidance starts with writing a business plan and takes you
through launching, running and growing your business. Key topics covered include
strategy and planning, employee management, marketing and sales and operations.

 

See all strategy and operations resources



GETTING STARTED WITH WORD-OF-MOUTH MARKETING

Word-of-mouth marketing remains among the best ways to let prospects know about
your business. Learn how to encourage word-of-mouth marketing and build brand
awareness.

4-minute read


INVENTORY MANAGEMENT SOLUTIONS FOR SMALL BUSINESSES

Smart inventory management can help ensure you have stock and raw materials when
you need them, even in the face of supply chain constraints.

6-minute read


WOMEN & MINORITY OWNED BUSINESS CERTIFICATION OPTIONS

Certifications can help improve access to funding, contracts and networking
opportunities.

9-minute read


CLIENT SPOTLIGHT: EMMANUEL CARRILLO, TALON LOGISTICS

Emmanuel Carrillo of Talon Logistics didn't expect to become a business owner,
but with the help of a small business banker, his business has been expanding.

5-minute read


HOW TO GROW YOUR BUSINESS WITH SUPPLIER DIVERSITY PROGRAMS

Corporate supplier diversity programs can unlock new business, networking and
training opportunities. Learn how these programs can help small businesses grow.

4-minute read


SMART WAYS TO CUT OVERHEAD COSTS IN YOUR BUSINESS

Cutting costs in your business is important in today’s environment and is
necessary to improve profitability and remain competitive.

5-minute read


FIVE WAYS TO MAKE MORE MONEY WITHOUT A SINGLE NEW CUSTOMER

Are you doing enough to maximize profits based on your current customer base?
Follow these 5 tips to get more from the customer relationships that you already
have cultivated.

4-minute read


HOW TO BUILD A BRAND FOR YOUR SMALL BUSINESS

Establishing a strong brand helps you attract more clients and scale your
business. Learn how to refine your brand to grow your small business.

6-minute read


HOW TO GENERATE SALES LEADS FOR YOUR BUSINESS

Finding and cultivating quality leads is a key element in your sales strategy.
With the right leads, you’ll be able to acquire new customers — and grow your
business.

7-minute read


HOW TO GET SPONSORSHIPS FOR YOUR BUSINESS

Like small business owners, corporations are often on the lookout for
opportunities to build their brand and spread their message. See if sponsorship
is a fit for your business.

6-minute read


HOW TO USE SEO TO ATTRACT MORE CUSTOMERS TO YOUR WEBSITE

Whether your business is online or brick and mortar, you need a strong digital
presence. Learn how to use search engine optimization to attract customers to
your website.

7-minute read


DIGITAL MARKETING FOR SMALL BUSINESSES

Whether you are a veteran business owner or just starting, it is critical to
invest in online marketing. See different options to help you meet your business
goals.

15-minute read


EIGHT EMPLOYEE RETENTION STRATEGIES FOR SMALL BUSINESS OWNERS

Maximizing employee retention is one of the best ways to make sure your small
business thrives. Learn how with these eight effective strategies.

5-minute read


HOW TO CREATE A CULTURE OF FEEDBACK FOR THE WORKPLACE

Business owners can’t afford to wait for review time to give employees feedback.
Here’s how you can build a candid and productive feedback culture into your
business.

4-minute read


HOW TO CREATE AND USE A PERFORMANCE IMPROVEMENT PLAN

All employees must operate at peak performance for a small business to thrive.
But what if some members of your team are underperforming?

10-minute read


HOW TO ENCOURAGE EMPLOYEES TO JOIN YOUR RETIREMENT PLAN

The right retirement plan can make your company more attractive to potential
hires and discourage turnover. Encourage your employees to join your plan and
make the most of it.

8-minute read


HOW TO HIRE AND MANAGE REMOTE EMPLOYEES

With many workers favoring remote work arrangements, you may have an edge
attracting talent and increasing workplace satisfaction if you offer remote
positions.

5-minute read


KNOW THE RULES BEFORE HIRING YOUR FIRST EMPLOYEE

The decision to hire a full-time employee can be both exhilarating and
nerve-wracking. Here are the things that should be top of mind when starting to
hire.

6-minute read


RETIREMENT PLAN BASICS FOR SMALL BUSINESS OWNERS

A well-thought-out retirement plan can help you work towards better economic
security and might also provide you with tax advantages now.

18-minute read


RETIREMENT FOR ENTREPRENEURS: SHOULD YOU STAY ON AT YOUR BUSINESS OR LET GO?

The idea of giving up control of a business you’ve built can seem unimaginable.
Explore reasons why you should stay on at your business or let it go.

5-minute read


WHY AND HOW TO PRIORITIZE RETIREMENT CONTRIBUTIONS AS AN ENTREPRENEUR

It’s essential to prioritize retirement savings, even when saving seems at odds
with the need to make ongoing investments in your business.

3-minute read
Show more
Show less



WE’VE GOT YOU COVERED

Beyond the day-to-day, there’s a lot to running a business. We can help you stay
current on data security, fraud protection and ways to make your business more
sustainable.

 


SECURITY AND INFORMATION MANAGEMENT

Cyber security, data management and protection from fraud and scams

 

See safety tips



SUSTAINABILITY

Strategies to improve environmental and social sustainability

 

Explore resources



READY TO MEET WITH A SPECIALIST?

Whether you need to raise capital, improve payments, remodel, upgrade equipment,
expand or enhance hiring and retention efforts, let’s work together to shape
your future.


Schedule an appointment

Important Disclosures and Information

 

Bank of America, Merrill, their affiliates and advisors do not provide legal,
tax or accounting advice. Consult your own legal and/or tax advisors before
making any financial decisions. Any informational materials provided are for
your discussion or review purposes only. The content on the Center for Business
Empowerment (including, without limitations, third party and any Bank of America
content) is provided “as is” and carries no express or implied warranties, or
promise or guaranty of success. Bank of America does not warrant or guarantee
the accuracy, reliability, completeness, usefulness, non-infringement of
intellectual property rights, or quality of any content, regardless of who
originates that content, and disclaims the same to the extent allowable by law.
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.

 

Not all materials on the Center for Business Empowerment will be available in
Spanish.

 

Certain links may direct you away from Bank of America to unaffiliated sites.
Bank of America has not been involved in the preparation of the content supplied
at unaffiliated sites and does not guarantee or assume any responsibility for
their content. When you visit these sites, you are agreeing to all of their
terms of use, including their privacy and security policies.

 

Credit cards, credit lines and loans are subject to credit approval and
creditworthiness. Some restrictions may apply.

 

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 SIPC, 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.

 

“Bank of America” and “BofA Securities” are the marketing names used by the
Global Banking and Global Markets division 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:

 

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

 

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