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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.

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

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