Footnote  Footnote  Footnote  Footnote ⁴ Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, SafeBalance Banking^®, Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.

Footnote  Equity securities sold through Merrill Edge self-directed investing are subject to stock market fluctuations that occur in response to economic and business developments.

Investing in Mutual Funds and ETFs involve certain risk. Investment returns may fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost.

Investing in fixed-income securities may involve certain risks, including the credit quality of individual issuers, possible prepayments, market or economic developments and yields and share price fluctuations due to changes in interest rates. When interest rates go up, bond prices typically drop, and vice versa.

A Brokered Certificate of Deposit is different than a bank Certificate of Deposit. It is sold for a bank by a broker while a Certificate of Deposit can be purchased directly from a bank. Brokered CDs may offer higher rates of return, but their value may fluctuate with changing interest rates. Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

The offering of cash rewards, free trades, waiver of fees (including account fees), and/or any other thing of value may not be used as an inducement to sell any kind of insurance, including life insurance or annuities.

There is a single, 5-year holding period when determining whether earnings can be withdrawn federal (and, in most cases, state) income tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.

Fees and expenses are subject to change. Please note that other fees and expenses may apply, including early withdrawal penalties and trustee transfer fees. For Merrill Lynch, Pierce, Fenner & Smith Incorporated's standard brokerage fees, please see the Miscellaneous Fees schedule. For Bank of America N.A.'s fees, see your Personal Schedule of Fees.

Footnote ⁶ Merrill Guided Investing has an annual program fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about pricing, visit Merrill Guided Investing Program brochure (PDF).

Footnote  Footnote ⁸ The fee is based on the assets held in the account and is charged monthly in advance. Program fees include portfolio management and trading costs, as well as ongoing support. The annual account fee does not include underlying fees charged by the funds in your portfolio. Each fund in your account charges these expenses to all shareholders. These fees range from approximately 0.07% to 0.70% per year. Please note that this range will fluctuate and can be higher or lower at any point in time. Actual fund expenses could vary; please refer to fund prospectuses. In addition, the SEC charges a small fee to each ETF sales transaction, ranging between $0.01 and $0.03 per $1,000 of principal. Other fees may include transfer, exchange and fund-redemption fees; conditional deferred sales charges; and markups or markdowns. For additional fee details, see the Merrill Edge Advisory Account program brochure (PDF).

Footnote  Footnote  Footnote  Footnote  Footnote