Bank of America is proud to introduce $0 online equity trades through Banc of America Online Investing, Powered by Merrill Lynch" title="Bank of America is proud to introduce $0 online equity trades through Banc of America Online Investing, Powered by Merrill Lynch.

Privacy & Security:
Bank of America Corporation ("Bank of America") is a financial holding company that, through its subsidiaries and affiliated companies, provides banking and nonbanking financial services.

Banc of America Online Investing, Powered by Merrill Lynch is the brand name for an online investing business offered through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, Member Learn more aboutFINRA and Learn more about the Securities Investor Protection CorporationSIPC, and a wholly-owned subsidiary of Bank of America Corporation

Investment products:

Are Not FDIC Insured

May Lose Value

Are Not Bank Guaranteed

Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Equal Housing Lender

Footnote¹ This offer and investment products provided by Banc of America Online Investing, Powered by Merrill Lynch Banking products provided by Bank of America, N.A..

Offer available with an individual or joint Banc of America Online Investing, Powered by Merrill Lynch Brokerage account. If you have a combined total of $25,000 or more in your deposit accounts at Bank of America N.A., Banc of America Online Investing, Powered by Merrill Lynch waives its commission fee for as many as 30 online equity trades each month. When you make an online equity trade, Banc of America Online Investing, Powered by Merrill Lynch determines whether you meet the balance requirement to qualify that trade for the commission fee waiver. Banc of America Online Investing, Powered by Merrill Lynch adds the average collected balances in your checking and savings accounts as of the prior month to the balances in your CD and FDIC-insured IRA accounts as of the prior business day. If this calculation reflects a combined total of less than $25,000, Banc of America Online Investing, Powered by Merrill Lynch then makes a second calculation to see if the trade qualifies by adding the balances in your checking, savings, CD and FDIC-insured IRA accounts as of the prior business day. Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Standard commission fees for online equity trades range from $5 to $14 depending on your relationship with Bank of America and apply when the balance requirement is not met, or when you exceed 30 qualifying trades.

To determine the 30 trade limit, Banc of America Online Investing, Powered by Merrill Lynch adds the qualifying trades in your individual accounts and in each joint account for which you are the primary account owner. Deposit accounts with the same social security number as the social security number(s) on the Self-Directed Brokerage account are systematically included in the balance determination. Deposit accounts maintained with the Military Bank of Bank of America, N.A. are not systematically included in the balance determination. Other standard brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request, termination and IRA custodial accounts apply Standard deposit fees apply to deposit accounts. Relationship requirements and pricing are subject to change. This offer applies only to self-directed brokerage accounts held at Banc of America Online Investing, Powered by Merrill.  Offer available through other Merrill Lynch channels may vary in terms and conditions.  Offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at Merrill Lynch, Pierce, Fenner & Smith Incorporated. See bankofamerica.com/invest for more details including the restrictions and exclusions associated with the offer and for information about Banc of America Online Investing, Powered by Merrill Lynch’s standard self-directed brokerage fees.

U.S. Trust, Bank of America Private Wealth Management clients are automatically eligible for this 30 trade offer.

²The Annual Percentage Yield (APY) is accurate as of 11/07/2009 and is subject to change without notice. This is a promotional rate that applies only to new CDs with a 12-month term opened online through bankofamerica.com. This promotional rate applies only to the initial CD term. At its first maturity date, the CD automatically renews at the rate applicable to a standard 12 month term CD. The minimum balance required to open a High Yield CD is $5,000. Alternative terms not allowed. A penalty may be imposed for early withdrawal.

Equity securities sold through Banc of America Online Investing, Powered by Merrill Lynch are subject to stock market fluctuations that occur in response to economic and business developments.

©2009 Bank of America Corporation. All rights reserved.