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The combined balance is calculated based on your average daily balance for a three calendar month period. Bank of America Advantage SafeBalance Banking accounts count towards the checking account and balance requirements, and receive benefits.

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Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. The Chief Investment Office CIO provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics.

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Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice.

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Trust, fiduciary and investment management services are provided by Bank of America, N. Trust Company of Delaware. Both are wholly-owned subsidiaries of Bank of America Corporation.

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Banking products are provided by Bank of America, N.