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CALIFORNIA CONSUMER PRIVACY ACT NOTICE

Last updated January 3, 2024


LEGAL ENTITIES

This California Consumer Privacy Act Notice (“Notice”) applies to Bank of
America legal entities that utilize the brand names Bank of America, Merrill,
and BofA Securities, Inc. as well as the following entities: Managed Account
Advisors LLC and BAL Investment & Advisory, Inc (“Company”, “we”, “us” or
“our”).


APPLICABILITY

Your privacy is important to us. This California Consumer Privacy Act Notice
(download a printable copy of this Notice; PDF, requires Adobe Reader layer)
explains how we collect, use, and disclose personal information relating to
California residents covered by the California Consumer Privacy Act of 2018, as
amended by the California Privacy Rights Act of 2020 (collectively, the “CCPA”).
This “Notice” constitutes our notice at collection and our privacy policy
pursuant to the CCPA.


INTRODUCTION

Under the CCPA, “Personal Information” is information that identifies, relates
to, or could reasonably be linked directly or indirectly with a particular
California resident and includes certain categories of Personal Information
discussed below that constitute “Sensitive Personal Information.” The CCPA,
however, does not apply to certain information, such as information subject to
the Gramm-Leach-Bliley Act (“GLBA”).

The specific Personal Information that we collect, use, and disclose relating to
a California resident covered by the CCPA will vary based on our relationship or
interaction with that individual. For example, this Notice does not apply with
respect to information that we collect about California residents who apply for
or obtain our financial products and services for personal, family, or household
purposes. For more information about how we collect, disclose, and secure
information relating to these customers, please refer to our U.S. Consumer
Privacy Notice.

Keeping Personal Information secure is one of our most important priorities.
Consistent with our obligations under applicable laws and regulations, we
maintain physical, technical, electronic, procedural and organizational
safeguards and security measures that are designed to protect personal data
against accidental, unlawful, or unauthorized destruction, loss, alteration,
disclosure, or access, whether it is processed by us or by others on our behalf.


COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION

In the past 12 months, we may have collected and disclosed for our business
purposes each of the following categories of Personal Information relating to
California residents covered by this Notice:

 * Identifiers such as a real name, alias, postal address, unique personal
   identifier, online identifier, Internet Protocol address, email address,
   account name, Social Security number, driver's license number, passport
   number, or other similar identifiers;
 * Any information that identifies, relates to, describes, or is capable of
   being associated with, a particular individual, including, but not limited
   to, his or her name, signature, Social Security number, physical
   characteristics or description, address, telephone number, passport number,
   driver's license or state identification card number, insurance policy
   number, education, employment, employment history, bank account number,
   credit card number, debit card number, or any other financial information,
   medical information, or health insurance information;
 * Characteristics of protected classifications under California or federal law,
   such as sex and marital status;
 * Commercial information, such as records of personal property, products or
   services purchased, obtained, or considered, or other purchasing or consuming
   histories or tendencies;
 * Biometric information;
 * Internet or other electronic network activity information, such as browsing
   history, search history, and information regarding a California resident's
   interaction with an internet website application or advertisement;
 * Geolocation data, such as device location and Internet Protocol (IP)
   location;
 * Audio, electronic, visual, thermal, or similar information such as call and
   video recordings;
 * Professional or employment-related information, such as work history and
   prior employer;
 * Education information, directly related to a student; and maintained by an
   educational agency or institution or by a party acting for the agency or
   institution;
 * Inferences drawn from any of the Personal Information listed above to create
   a profile about a California resident reflecting their preferences,
   characteristics, psychological trends, predispositions, behavior, and
   attitudes, intelligence, abilities, and aptitudes; and
 * The following categories of Sensitive Personal Information:
 * Personal Information that reveals:
 * A California resident's Social Security, driver's license, state
   identification card, or passport number;
 * A California resident's account log-in, financial account, debit card, or
   credit card number in combination with any required security or access code,
   password, or credentials allowing access to an account;
 * A California resident's precise geolocation;
 * A California resident's racial or ethnic origin, citizenship or immigration
   status, religious or philosophical beliefs, or union membership;
 * The contents of a California resident's mail, email, and text messages unless
   the business is the intended recipient of the communication;
 * The processing of biometric information for the purpose of uniquely
   identifying a California resident; and
 * Personal information collected and analyzed concerning a California
   resident's health.

In addition to collecting Personal Information ourselves, we additionally
coordinate with third parties to collect Personal Information on our behalf,
which third parties are engaged in one or more of the business practices
described below:

 * Delivering advertising and marketing, including on non-affiliated persons' or
   entities' sites and mobile apps;
 * Facilitating events and event management, including virtual and/or in-person
   events (e.g., hotels, restaurants, virtual platforms, audio/visual
   capabilities, food/beverage, transportation services, etc.); and
 * Referral sources, whether for purposes of identifying candidates for
   employment, identifying new client opportunities, or recommending vendors or
   contractors.

The categories of sources from which we collected Personal Information are:

 * Directly from a California resident or the individual's representatives;
 * Service Providers, Consumer Data Resellers, Credit Reporting Agencies and
   other similar persons or entities;
 * Public Record Sources (Federal, State or Local Government Sources);
 * Information from our Affiliates;
 * Website/Mobile App Activity/Social Media;
 * Information from Client Directed persons or entities or Institutions
   representing a Client/Prospect; and
 * Information from Corporate Clients about individuals associated with the
   Clients (e.g., an employee or board member).

With respect to each category of Personal Information that we disclosed for a
business purpose in the past 12 months, the categories of persons or entities to
whom we disclosed that Personal Information are:

 * Affiliates of Bank of America;
 * Service Providers and Contractors who provide services such as website
   hosting, data analysis, payment processing, order fulfillment, information
   technology and related infrastructure, customer service, email delivery,
   auditing, marketing, supporting research activities, credit financing, event
   management, and real estate management;
 * Other Service Providers and Contractors who provide services such as payment,
   banking and communication infrastructure, storage, legal expertise, tax
   expertise, real estate expertise, appraisal expertise, notaries and auditors,
   who promote the bank and its financial services and products to customers and
   other prospective buyers;
 * Other Service Providers and Contractors who enable customers to conduct
   transactions online and via mobile devices, support mortgage and fulfillment
   services, vehicle loan processes and aggregators (at the direction of the
   customer);
 * Other persons or entities to whom we transfer Personal Information as an
   asset that is part of a merger, acquisition or other transaction in which
   such other person or entity assumes control of all or part of the business;
 * Government Agencies as required by laws and regulations; and
 * Other persons or entities with which you may use or direct us to
   intentionally interact or to which you may use or direct us to intentionally
   disclose your Personal Information.

We do not disclose Personal Information to any other categories of third
parties.

We collect, use and disclose for our business purposes Personal Information,
including Sensitive Personal Information, relating to California residents to
operate, manage, and maintain our business, to provide our products and
services, and to accomplish our business or commercial purposes, including the
following:

 * Performing services, including maintaining or servicing accounts, providing
   customer service, processing or fulfilling orders and transactions, verifying
   customer information, processing payments, providing financing, providing
   advertising or marketing services (except for cross-context behavioral
   advertising, a type of targeted advertising), providing analytic services,
   providing research services, facilitating event management and execution,
   managing our real estate portfolio, or providing similar services;
 * Helping to ensure security and integrity to the extent the use of Personal
   Information is reasonably necessary and proportionate for these purposes;
 * Short-term, transient use, including, but not limited to, nonpersonalized
   advertising shown as part of a current interaction with us, where the
   information is not disclosed to a third party and is not used to build a
   profile or otherwise alter the California resident's experience outside the
   current interaction with us;
 * Auditing related to counting ad impressions to unique visitors, verifying
   positioning and quality of ad impressions, and auditing compliance with this
   specification and other standards;
 * Undertaking activities to verify or maintain the quality or safety of a
   service controlled by us, and to improve, upgrade, or enhance that service;
 * Debugging to identify and repair errors that impair existing intended
   functionality;
 * Undertaking internal research for technological development and
   demonstration; and
 * Complying with laws and regulations and to comply with other legal process
   and law enforcement requirements (including any internal policy based on or
   reflecting legal or regulatory guidance, codes or opinions).


HOW LONG WE RETAIN PERSONAL INFORMATION

The length of time that we intend to retain each category of Personal
Information will depend on several criteria, including (i) the length of time we
are required to retain Personal Information in order to comply with applicable
legal and regulatory requirements, (ii) the length of time we may need to retain
Personal Information in order to accomplish the business or commercial
purpose(s) for which such Personal Information is collected, used or disclosed
(as indicated in this Notice), and (iii) whether you choose to exercise your
right, subject to certain exceptions, to request deletion of your Personal
Information.


SALE OR SHARING OF PERSONAL INFORMATION

In the 12 months preceding the date of this Notice, we have not “sold” or
“shared” Personal Information or Sensitive Personal Information subject to the
CCPA nor have we “sold” or “shared” Personal Information or Sensitive Personal
Information of minors under the age of 16.

For purposes of this Notice:

 * “sold” means the disclosure of Personal Information or Sensitive Personal
   Information to a third party for monetary or other valuable consideration;
   and
 * “shared” means the disclosure of Personal Information or Sensitive Personal
   Information to a third party for cross-context behavioral advertising.


HOW WE USE SENSITIVE PERSONAL INFORMATION

We only use or disclose Sensitive Personal Information for the following
purposes consistent with CCPA Regulations:

 * To perform the services or provide the goods reasonably expected by an
   average California resident who requests those goods or services. For
   example, a California resident's precise geolocation may be used by a mobile
   application that is providing them with directions on how to get to a
   specific location.
 * To detect security incidents that compromise the availability, authenticity,
   integrity, and confidentiality of stored or transmitted Personal Information,
   provided that the use of a California resident's Personal Information is
   reasonably necessary and proportionate for this purpose. For example, we may
   disclose a California resident's log-in information to a data security
   company that it has hired to investigate and remediate a data breach that
   involved that individual's account.
 * To resist malicious, deceptive, fraudulent, or illegal actions directed at
   the business and to prosecute those responsible for those actions, provided
   that the use of a California resident's Personal Information is reasonably
   necessary and proportionate for this purpose. For example, we may use
   information about a California resident's ethnicity and/or the contents of
   email and text messages to investigate claims of racial discrimination or
   hate speech.
 * To ensure the physical safety of natural persons, provided that the use of a
   California resident's Personal Information is reasonably necessary and
   proportionate for this purpose. For example, we may disclose a California
   resident's geolocation information to law enforcement to investigate an
   alleged kidnapping.
 * For short-term, transient use, including, but not limited to, nonpersonalized
   advertising shown as part of a California resident's current interaction with
   us.
 * To perform services such as maintaining or servicing accounts, providing
   customer service, processing or fulfilling orders and transactions, verifying
   a California resident's information, processing payments, providing
   financing, providing analytic services, providing storage.
 * To verify or maintain the quality or safety of a service or device that is
   owned, manufactured, manufactured for, or controlled by us, and to improve,
   upgrade, or enhance the service or device that is owned, manufactured by,
   manufactured for, or controlled by us.


RIGHTS UNDER THE CCPA

If you are a California resident covered by the CCPA, you have the right to:

 1. Receive this Notice at or before the point of collection of your Personal
    Information.
 2. Request we disclose to you free of charge the following information covering
    the 12 months preceding your request:
    a. the categories of Personal Information about you that we collected;
    b. the categories of sources from which the Personal Information was
       collected;
    c. the purpose for collecting Personal Information about you;
    d. the categories of third parties to whom we disclosed Personal Information
       about you and the categories of Personal Information that were disclosed
       (if applicable) and the purpose for disclosing the Personal Information
       about you; and
    e. the specific pieces of Personal Information we collected about you;
 3. Request we correct inaccurate Personal Information that we maintain about
    you.
 4. Request we delete Personal Information we collected from you, unless the
    CCPA recognizes an exception.
 5. Be free from unlawful discrimination for exercising your rights under the
    CCPA.

Please see the section below entitled, “How to Exercise Your Rights,” for
instructions explaining how you can exercise these rights described above.

Requests for specific pieces of Personal Information will require additional
information to verify your identity.

For individuals submitting a request on behalf of another person, we may require
proof of authorization and verification of identity directly from the person for
whom the request is made.

For a company or organization submitting a request on behalf of another person,
we may require proof of authorization from the individual such as a Power of
Attorney and verification of identity directly from the person for whom the
request is made.

In some instances, we may not be able to honor your request. For example, we
will not honor your request if we cannot verify your identity or if we cannot
verify that you have the authority to make a request on behalf of another
individual. Additionally, we will not honor your request where an exception
applies, such as where the disclosure of Personal Information would adversely
affect the rights and freedoms of another California resident or where the
Personal Information that we maintain about you is not subject to the CCPA's
access or deletion rights.

We will advise you in our response if we are not able to honor your request. We
will not provide Social Security numbers, driver's license numbers or
government-issued identification numbers, financial account numbers, unique
biometric data, health care or medical identification numbers, account passwords
or security questions and answers, or any specific pieces of information if the
disclosure presents the possibility of unauthorized access that could result in
identity theft or fraud or unreasonable risk to data or systems and network
security.

We will work to process all verified requests within 45 days pursuant to the
CCPA. If we need an extension for up to an additional 45 days in order to
process your request, we will provide you with an explanation for the delay.


HOW WE PROCESS OPT-OUT PREFERENCES

Bank of America permits California residents to automatically exercise their
right to opt-out of sale/sharing through opt-out preference signals without
having to make individualized opt-out requests. Bank of America treats opt-out
preference signals as valid requests to opt-out of sale/sharing for the browser.
Please note, however, we do not “sell” or “share” personal information with any
third parties, as such terms are defined by the CCPA.


HOW TO EXERCISE YOUR RIGHTS

If you are a California resident, you may submit a request by:

 1. Completing an online Personal Information Request Form
 2. Calling 888.341.5000


QUESTIONS OR CONCERNS

You may contact us with questions or concerns about this Notice and our
practices by:

 1. Writing us at:Individual Rights Operations TX-041-02-08
    16001 N Dallas Pkwy Building 1
    Addison, TX 75001
 2. Emailing us at serviceinquiries4@bofa.com


METRICS

Please visit www.bankofamerica.com/ccpa-metrics for data reporting published in
accordance with Section 7102 of the California Consumer Privacy Act Regulations.


CHANGES TO THIS CALIFORNIA CONSUMER PRIVACY ACT NOTICE

We may change or update this Notice from time to time. When we do, we will post
the revised Notice on this page with a new “Last Updated” date.


WHERE YOU CAN FIND THIS NOTICE ONLINE

You may access this Notice online at www.bankofamerica.com/CCPA-Notice.


WAYS TO EXERCISE YOUR RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT

California residents can request details about personal information collected
and shared by entering a personal information request or calling 888-341-5000.


ADDITIONAL INFORMATION:

CCPA personal information request metrics Frequently Asked Questions

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   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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YOUR PRIVACY CHOICES

This feature allows you to manage your privacy choices. By selecting a category,
you can learn about your choices and make changes. Selections you make will
update your default settings. Where possible, we will provide you with a single
privacy profile and store settings across our brands. Occasionally there are
legal or technical limitations, where you have multiple user names or accounts,
that may prevent this from occurring. You should check your settings for
accuracy based on your relationship with us.
Local Privacy Notices and Requirements
The Privacy Choices displayed are specific to your local privacy requirements
and our privacy notices. For more information about how we protect your privacy,
including specific rights that may apply, please visit the Institutional Privacy
and the Consumer Privacy pages.
Marketing Preferences
To manage your general marketing preferences, please visit the “Control how we
can share your data and market to you” form on our Privacy Page.
California Residents
To learn more about your privacy rights as a California resident, please see our
California Consumer Privacy Act Notice. To exercise your CCPA consumer rights,
please visit our CA Personal Information Request form.

OPT-OUT PREFERENCE SIGNALS

Opt-Out Preference Signals


An “opt-out preference signal,” such as the Global Privacy Control, is a signal
sent by your browser, device, or other platform that communicates your choice
for sharing personal information. Bank of America honors any opt-out preference
signal that meets legal requirements as a valid request to opt out of sharing
personal information for cross-context behavioral advertising.  
If we receive an opt-out preference signal from your device, we will honor it
and update your settings. At any time, you may manually adjust the toggle to
update your preferences.
• A toggle to the left indicates that you have opted-out and prefer to prohibit
our sharing of your personal information
• A toggle to the right indicates your preference to opt-in and allow us to
share your personal information
• Any manual adjustment or updated opt-out preference signal will override
previous settings

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CHILDREN'S PRIVACY

Children's Privacy


Bank of America is committed to protecting children’s privacy and limiting the
collection and use of minor’s data.
For sites where we offer products or content to persons under 18 years of age,
the privacy settings are set to the highest level, limiting data collection to
what is required to run our website.
This setting blocks the collection and use of sensitive information.
To learn more about Children’s Privacy, see our Children's Privacy Page.

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