Act as liaison between institutional clients and Merrill's Investment Policy Statement (IPS) service, which creates and modifies an IPS, based on the clients investment goals and objectives. Terms and conditions apply. BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB. Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Our level of involvement is based on your preference from traditional consulting, to client-directed implementation, to full discretionary outsourced CIO services. To see you through uncertainty and help you to find opportunities, we invite you to check out the latest investment insights from our Chief Investment Office. We'll work together with you to understand your investment personality, prioritize your goals and build a financialapproach that reflects your needs. Bank of America Preferred Rewards My Rewards screen on mobile device. When you work with SY FINANCIAL GROUP, you benefit from the experience and knowledge weve gained from working with many institutions across the nation. Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. For PrimeFirst adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. The website is not owned by Merrill Lynch, Bank of America or their affiliates and is subject to separate terms and privacy policies. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. He has enjoyed great success in the highly specialized area of board-controlled/fiduciary-responsible asset mgmt. services/strategies, retirement plan services, & endowment fund investment mgmt. Learn more at Newsweek. Wealth Management Lending Officer. The Lifestyle benefits are provided by third party vendors not affiliated with Bank of America. 9You must be enrolled in the Diamond or Diamond Honors tier of Preferred Rewards to be eligible for these benefits or events. Client's conduct may be subject to local, state, national and international laws. We work with your CFO, board of directors and investment committee to develop a tailored investment strategy that is consistent with your culture, goals, preferences and risk profile. "Bank of America Merrill Lynch" is the marketing name for the global banking and global markets business of Bank of America Corporation. Hypothetical or simulated performance results have inherent limitations. . our Preferred Rewards Program is not only about rewards. enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Mobile banking requires that you download the Mobile Banking app and is only available for select mobile devices. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks. Message and data rates may apply. 98-880 dated 1st October, 1998. 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After making Commander (O-5) as a Pilot in the Navy, he retired in 2000. Equal Opportunity Lender. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Our Preferred Rewards program recognizes everything you do with us. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. . Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation, including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are registered broker-dealers and members of FINRA and SIPC, and in other jurisdictions, by locally registered entities. Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifies) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. Relationship-based ads and online behavioral advertising help us do that. Actual prices can be obtained only on a real-time, expressly agreed-upon basis. 1 This prestigious award is presented by Newsweek and Statista, Inc. Due to limited availability, some offers may be open only to a limited number of Preferred Rewards members and could change without notice. Bank of America Private Bank clients will also receive a discount of 0.15% off of the annual rate. Merrill, the Bull Symbol, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. We believe that our strategic focus on ESG leadership, which we have integrated across our eight lines of business, allows us to deepen relationships and create shared success with our clients and communities. Enrolled Preferred Rewards members with eligible Bank of America credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. Terms and fulfillment of the offers is the responsibility of the third party vendor and not of Bank of America. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Julius Baer. Potential investment opportunities can arise daily. or monitor content, availability, viewpoints, products or services that are offered or expressed on other https://promo.bankofamerica.com/cebi-disclosures, Merrill Guided Investing Program Brochure (PDF), Merrill Guided Investing with Advisor Program Brochure (PDF. Once enrolled in Preferred Rewards, you will automatically see a lifestyle benefits link in the Rewards & Benefits tab in MyMerrill or Bank of America Online Banking. Merrill Lynch Wealth Management is the brand within parent company Bank of America Corporation that provides investment and wealth management services. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate's business. Make the most of our relationship with premium benefits that take you further. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Recommend investment solutions leveraging Merrill'sthorough and rigorous due diligence process. THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. Gross advisory fee: 0.20%-1.04% 3, 5. Merrill Lynch Wealth Management. Work in a Merrill Lynch Wealth Management branch location; Deliver products and capabilities across Bank of America banking and Merrill investing; . - If a broker or brokerage firm is registered- What has been disclosed to regulators- About a broker's past experience- What a broker or brokerage firm is qualified to do. Balances include 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). "Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation ("BAC"). 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"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. window after you leave. Customizable asset allocation based on the Chief Investment Office capital market assumptions. Review, quantify and evaluate performance to identify opportunities to refine the portfolios overall strategy, based on the Investment Policy Statement. Credit card programs are issued and administered by Bank of America, N.A. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. In appreciation, we want to help you do, see and experience more. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation (BofA Corp.). You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. If you know of someone who would benefit from a relationship with us, send them an email. 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. 2Credit Card Preferred Rewards Bonus. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information. 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Withdrawals, balance inquiries and balance transfers, For mobile and online orders only, includes free standard shipping, Mortgage origination fee reduction or Interest rate reduction on new purchase or refinance mortgage, PayPlan must be established for interest rate reduction, Home Equity Line of Credit interest rate discount, Auto purchase or refinance loan interest rate discount. The Financial Advisor Trainee receives: The strength and name recognition of Merrill Lynch and Bank of America. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high- net-worth investors. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Bank of America Private Bank clients qualify to enroll in the Diamond tier, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances. Simulated trading programs in general are designed with the benefit of hindsight. For more detailed information on the Beneficiary RMD Service, you may request a copy of the Merrill Lynch . . Steve holds a Masters Degree in Business Management along w/ his undergraduate Bachelor of Science degree from the US Naval Academy, and he graduated from Wharton Business Schools Executive Education course in 2001. We work closely with clients to determine their needs so that we can craft customized financial strategies to help them pursue their goals. Please refer to the Fiduciary Advisory Services Brochure for information on the program including a description of the series and related fees.2 Education and Plan Services are non-fiduciary services required for Advisor Alliance clients and optional for MLII clients.3 IPS service is not available for FAS Discretionary. What day(s) of the week are most convenient for you? Watch our video to learn more. * Bank of America is the marketing name used by certain Global Banking and Global Markets businesses of Bank of America Corporation. Enroll is generally available three or more business days after the end of the annual rate the. In 2000 conduct may be open only to a limited number of Rewards! Separate terms and privacy policies that reflects your needs ( including financial planning ) and services. Area of board-controlled/fiduciary-responsible asset mgmt strength and name recognition of Merrill Lynch '' is marketing. 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