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.

² There are service differences in WA and ID, including the inability to access single-service login and transfer funds to or from accounts

Footnote ³ Money market mutual funds and FDIC accounts offer different rates, returns and yields so that transferring funds from a money market mutual fund to a deposit account may lead to a lower rate of return.

⁴ Commission Free Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Standard commissions/fees apply for all other trades.

⁵ While no-load funds do not assess sales charges, fund shares are subject to management fees and certain other expenses. Redemption fees may also apply. You pay no transaction fees on this selection of mutual funds because the participating fund companies reimburse Banc of America Online Investing, Powered by Merrill Lynch for assuming certain costs associated with your brokerage account. However, a standard transaction fee may be charged whenever mutual fund shares held for 90 days or less are exchanged or redeemed.

Investors should carefully consider a fund's investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, which should be read carefully before investing. Prospectuses can be obtained by contacting your personal investment representative. Banc of America Online Investing, Powered by Merrill Lynch clients can obtain prospectuses through the investor's sign-in area of this site or by contacting their Banc of America Online Investing, Powered by Merrill Lynch Financial Advisor.

Equity securities sold through Merrill Lynch, Pierce, Fenner & Smith Incorporated are subject to stock market fluctuations that occur in response to economic and business developments.

©2009 Bank of America Corporation. All rights reserved.