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Before you invest you should ask yourself if you are willing to lose some or all of the money you have invested and know that if you go ahead you are investing with little or no protections behind you.

Cryptocurrency investment scammers are convincing. They may advertise or post on social media offering great returns from cryptocurrency trading. If you click on the advertisement or post, the scammer will contact you or you will be directed to a fake website. The scammer will offer to make an investment on your behalf, or provide details of an app or website through which you can invest.

The scammers will make excuses for delays in withdrawals, you are banned from the platform or the trading platform is closed. When you try and find out what has happened, the scammers cannot be contacted and your money is gone.

The scammer will tell you to top up your accounts to increase your profits. If or when you run out of money to transfer or want to withdraw all your funds, the scammer will cease all communication. You will then be unable to obtain your investments from the platform or be told the investment has gone wrong.

Superannuation scams offer to give you early access to your super fund, often through a self-managed super fund or for a fee. The offer may come from a scammer posing as a financial adviser. The scammer may ask you to agree to a story to ensure the early release of your money and then, acting as your financial adviser, they will deceive your superannuation company into paying out your super benefits directly to them. Once they have your money, the scammer may take large 'fees' out of the released fund or leave you with nothing at all.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

Preferred Rewards Program Eligibility. To enroll in the Bank of America Preferred Rewards program you must have an active, eligible personal checking account with Bank of America and maintain the balance required for one of the balance tiers 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). You can satisfy the combined balance requirement for enrollment with either:

You must have 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. 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. Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. 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 details on employee qualification requirements, please visit the Employee Financial Services intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to enroll on customized terms. Please visit -disclosures.

Credit Card Preferred Rewards Bonus. Certain credit cards are eligible to receive a Preferred Rewards bonus. 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. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your Cash Rewards or Points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card's Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. View a complete list of ineligible cards.

You must be enrolled in the Diamond or Diamond Honors tier of Preferred Rewards to be eligible for these benefits or events. Due to limited availability, some offers may be open only to a limited number of Preferred Rewards members. The Lifestyle benefits are provided by third party vendors not affiliated with Bank of America. Terms and fulfillment of the offers is the responsibility of the third party vendor and not of Bank of America. Bank of America does not provide your customer information to the third party vendor, but by contacting them to take advantage of an offer you will identify yourself as a Bank of America client.

The Bank of America Advantage Savings interest rate booster is only available to enrolled Preferred Rewards members. Your enrollment in Preferred Rewards will not automatically convert any existing savings account to a Bank of America Advantage Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. Visit bankofamerica.com/savings for current rates.

Residents of LA and MS: Not all applicants will qualify. Approval depends on applicants ability to meet our credit criteria for a Premier Loan (including annual income, debt ratios, and credit history). Repayment terms of 18, 24, 36, 48, and 60 months area available. For a loan of $3,650 with a 36 month repayment period, an interest rate of 19.81%, a $109.50 origination fee and an APR of 21.99%, the borrower will make 36 monthly payments of $139.37. The maximum APR is 21.99%, fees and interest rates vary by state. Premier loan availability is limited to current and former premier loan customers, for a limited time. Contact your local branch for more details.

Residents of AL: Not all applicants will qualify. Approval depends on applicants ability to meet our credit criteria for the loan size requested. Repayment terms of 12, 18, 24, 30, 36 49, and 60 months are available. For a loan of $3,750 with a 24 month repayment period, an interest rate of 29.99%, a $192.00 origination fee and an APR of 34.97%, the borrower will make 24 monthly payments of $219.39. The maximum APR for this loan is 35.99%, fees and interest rates vary by state. Contact your local branch for more details.

Residents of GA: Not all applicants will qualify. Approval depends on applicants ability to meet our credit criteria for the loan size requested. Repayment terms of 15, 18, 24, 30, 36, 48, and 60 months are available. For a loan of $3,750 with a 24 month repayment period, an interest rate of 30%, a $112.50 origination fee and an APR of 33.23%, the borrower will make 24 monthly payments of $215.96. The maximum APR for this loan is 35.99%, fees and interest rates vary by state. Contact your local branch for more details. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656.

Residents of KY: Not all applicants will qualify. Approval depends on applicants ability to meet our credit criteria for the loan size requested. Repayment terms of 12, 18, 24, 30, 36 48, and 60 months are available. For a loan of $3,750 with a 24 month repayment period, an interest rate of 24.00%, a $150.00 origination fee and an APR of 28.19%, the borrower will make 24 monthly payments of $206.19. The maximum APR for this loan is 35.99%, fees and interest rates vary by state. Contact your local branch for more details.

Residents of SC: Not all applicants will qualify. Approval depends on applicants ability to meet our credit criteria for the loan size requested. Repayment terms of 12, 18, 24, 30, 36 48, and 60 months are available. For a loan of $3,750 with a 24 month repayment period, an interest rate of 35.99% and an APR of 35.99%, the borrower will make 24 monthly payments of $221.40. The maximum APR for this loan is 35.99%, fees and interest rates vary by state. Contact your local branch for more details. 781b155fdc