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Worcester is home for me and my team. We know this community and we are here to serve your needs and help you achieve your goals. That's why we're always asking: What would you like the power to do? Let me know at: edwin.thomas.shea_jr@baml.com Ed Shea Worcester Market President As always, protect your personal data. For assistance with a personal financial issue, please visit your nearest financial center. J.D. Power 2018 Certified Customer Service Program recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit jdpower.com/ccc. J.D. Power 2019 Mobile App Certification Program SM and 2019 Website Certification Program SM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For J.D. Power award information, visit jdpower.com/awards. The Forrester Banking Sales Wave™ is copyrighted by Forrester Research, Inc. Forrester and Forrester Wave™ are trademarks of Forrester Research, Inc. The Forrester Banking Sales Wave™ is a graphical representation of Forrester's call on a market. Forrester does not endorse any company, product, or service depicted in the Forrester Banking Sales Wave™. Information is based on best available resources. Opinions reflect judgment at the time and are subject to change. From Kiplinger's Personal Finance, August 1, 2017 © 2017 The Kiplinger Washington Editors. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. Greenwich Associates 2018 Small Business Banking Study (named with six other banks). Based on over 14,400 interviews with businesses with sales of $1–10 million across the country. Comparisons are based on all banks covered across the United States. Best Brand — Overall is awarded to providers that are statistically differentiated in earning consideration among customers and non-customers. From the Forbes Contributor Network and not necessarily the opinion of Forbes Media LLC. From Forbes.com, January 4, 2018 © 2018 Forbes. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. Merrill Edge® is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value © 2019 Bank¢of¢America Corporation. | Member FDIC | ARGLNB9G | TAD-01-19-2356 What would you like the power to do? At Bank of America we are here to serve, and listening to how people answer this question is how we learn what matters most to them, so we can help them achieve their goals.•We had one of our best years ever in 2018: strong recognition for customer service in every category, the highest levels of customer satisfaction and record financial results that allow us to keep investing in how we serve you. That translates to a great team delivering our best capabilities for our clients and for our communities. Our customers and clients have the power to do more than ever.•We recognize you expect more from us. That's why we're investing in new and modern ways to meet your ever-evolving needs. However you define success, we're here to help. We•are proud to be recognized for being true to our purpose. Merrill Edge has been recognized by J.D. Power by providing "An Outstanding Customer Service Experience" for phone support — 8 years in a row Bank of America's Mobile app and Online Banking are both certified by J.D. Power for providing "An Outstanding Customer Experience" Highest Overall Score in the Forrester Banking Sales Wave™: U.S. Mobile Sites, Q3 2018 Best Digital Mortgage Bank in North America Best Rewards Credit Cards Best Brand Overall for Small Business Banking Best Travel Rewards Credit Cards 2019 2018 U.S. Bank of the Year; Top Transaction Services Bank in North America live your best financial life