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Bank of America Benefits for ÃÛÌÒ½´Employees

As an ÃÛÌÒ½´employee, you can take advantage of special banking benefits with the Bank of America Banking and Investing Program.

Employees now have special access to enroll in the Bank of America Preferred Rewards^® program and receive Gold tier benefits without the combined qualifying balance of $20,000.¹ With Preferred Rewards, you'll enjoy benefits and rewards designed around the ways you save, spend and borrow with Bank of America and invest with Merrill.

Here’s how to get these benefits:

1. Have an existing or new eligible personal Bank of America^® checking account.
2. Set up your ÃÛÌÒ½´payroll direct deposit into an eligible Bank of America^® checking or savings account.
3. Once your direct deposit is confirmed, enroll in Preferred Rewards through Mobile² or Online Banking.

Getting started is simple. to learn more about this program.

Bank of America is also committed to helping improve your financial health. to learn about educational resources and digital tools available to you.

Have questions about the program? Visit to ask a dedicated specialist to call you to discuss the program or your financial goal and priorities.

¹As an employee of a company participating in the Bank of America Employee Banking and Investing Program, you are eligible to enroll in the Preferred Rewards program if you:

• Have an active, eligible Bank of America personal checking account, and
• Receive all or part of your payroll direct deposit from the participating company into an eligible Bank of America checking or savings account.

Employees qualify for the Gold tier of Preferred Rewards without meeting the balance requirement, and may qualify for higher tiers on the standard program terms. The standard program terms require an eligible Bank of America personal checking account and a qualifying balance of at least $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 in 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). The qualifying balance is calculated based on your average daily balance for a three calendar month period. Employee benefit plans (such as 401(k)) will not count toward the combined balance requirement. If you are no longer an employee, standard program terms apply. New employees may have to wait up to one month before they can enroll to allow for their employee status to be identified. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For more information, visit the Preferred Rewards section of the Personal Schedule of Fees, available at bankofamerica.com/fees.

²Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

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, and a wholly owned subsidiary of BofA Corp.