BANK OF AMERICA EUROPE DESIGNATED ACTIVITY COMPANY

Bank of America Europe Designated Activity Company is an Irish-incorporated credit institution and designated activity company, authorized and regulated by the Central Bank of Ireland and operating within the EU Banking Union under the Single Supervisory Mechanism. It functions as Bank of America’s principal EU banking entity, serving corporate, institutional, and public-sector clients rather than the retail market, and provides deposit-taking, corporate lending, cash management and payments, trade finance, and treasury services that include foreign exchange and limited hedging solutions. Capital markets and investment services for EEA clients are commonly provided by affiliated entities, including BofA Securities Europe SA, depending on product and licensing. The firm operates across the EEA through branch passports and is a wholly owned subsidiary of Bank of America Corporation via intermediate holding companies. It is subject to the EU’s CRR/CRD prudential framework, liquidity standards such as LCR and NSFR, and EU recovery and resolution requirements, and it publishes annual financial statements and Pillar 3 disclosures outlining risk, capital, and liquidity metrics. Eligible deposits are covered by Ireland’s Deposit Guarantee Scheme up to €100,000 per depositor per institution, subject to scheme rules; many wholesale deposits and instruments are not covered. Governance and compliance frameworks reflect EU and Irish requirements on AML/CFT, sanctions, data protection, and operational resilience. The company does not offer mass-market consumer accounts or branch counter services; documentation, branch notifications, and regulatory disclosures are available on its official site and through public registers.