Bank of America Corporation ("Bank of America") is a financial holding company that, through its subsidiaries and affiliated companies, provides banking and non-banking financial services. Bank of America, N.A., Bank of America Private Bank, affiliate banks and Merrill Lynch, Pierce, Fenner & Smith Incorporated (or "Merrill") are wholly owned subsidiaries of Bank of America Corporation. BofA Securities, Inc. is an affiliate of Bank of America Corporation. “Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.