Open an account online

¹ MyAccess Checking® has no monthly maintenance fee when opened online. Other account related service fees still apply. Offer may be withdrawn or modified at any time.

²Example shown assumes an interest only payment on a $40,000 fully utilized line of credit with an APR of 8.49%. Variable Annual Percentage Rate (APR) is 7.74% for new home equity line of $100,000 with Combined Loan to Value (CLTV) ratio of up to 80% on 1-4 family owner-occupied home. APR includes .25% discount for qualified Bank of America relationship, .25% discount for auto-debit from Bank of America account, and .25% discount for balance transfer of at least $25,000 at closing. APR will be higher if discounts not selected. APR based on The Wall Street Journal prime rate [8.25% as of 02/01/07] and a margin and varies with prime rate, but will not exceed 24% (TX: 18%). Insurance required. (Texas only: : Maximum CLTV is 80%. Maximum LTV on line of credit is 50%. Minimum advance amount on line is $4,000. Minimum draw discount is not available.) Rates and terms may vary by state and are subject to change without notice. Bank of America pays all closing costs on lines and loans of $500,000 or less. Bank also pays up to $300 toward attorney fees in SC. (TX: Bank pays all closing costs.). Late and returned payment charges apply, except in Texas. Credit is subject to approval. Other restrictions apply. Please contact Bank of America for current rate information and other details. Bank of America, N.A. Member FDIC.
Equal Housing Lender © 2009 Bank of America Corporation. All rights reserved.

Available in the following states: Arizona, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Maine, Maryland, Massachusetts, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington and the District of Columbia.

³Insurance products:

Are Not FDIC Insured	Are Not Bank Guaranteed	May Lose Value
Are not deposits or other obligations of the bank or any bank affiliate; Are not guaranteed, issued or underwritten by the FDIC, the bank or any bank affiliate; Are not insured by any agency of the US, the bank or any bank affiliate; Are not a condition to the provision or term of any banking service or activity; Need not be negotiated or purchased through any particular person as a condition of any financial transaction or service; May be purchased from any agent or company and the customer's choice will not affect current or future credit decisions; and Involve an investment risk, including possible loss of principal or loss of value. The market value of the investment may fluctuate, causing possible loss of principal amount invested.

Insurance is offered through Banc of America Insurance Services, Inc. (doing business as Banc of America Insurance Agency in NY) and BA Insurance Services, Inc. in Hawaii.

Banc of America Insurance Services, Inc. (doing business as Banc of America Insurance Agency in NY) and BA Insurance Services, Inc. are licensed insurance agencies and nonbank affiliates of Bank of America, N.A. and are not chartered banks or trust companies, or depository institutions. They are not authorized to accept deposits or trust accounts and are not licensed or regulated by any state or federal banking authority.

⁴See Terms and Conditions on credit card offer/application pages for rate, fee and other cost information. Credit cards are issued by FIA Card Services, N.A.

⁵Alerts are not available to or from accounts located in WA or ID.

⁶Javelin Strategy & Research Banking Identity Scorecard, October 2006

⁷Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and/or the total amount paid when compared to your current situation. Credit and collateral are subject to approval. Terms and conditions apply. Other restrictions may apply. This is not a commitment to lend.

⁸This offer and investment products provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated
Offer available with an individual or joint Banc of America Online Investing, Powered by Merrill Lynch.

(Banc of America Online Investing, Powered by Merrill Lynch) Self-Directed 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. Offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at Banc of America Online Investing, Powered by Merrill Lynch. See www.bankofamerica.com/invest for further details.

Private Bank clients are automatically eligible for this 30 trade offer.

⁹Banking products such as checking accounts and certificates of deposit are FDIC insured to the maximum allowed by law and are offered through Bank of America, N.A., member FDIC.

¹⁰There are service differences in ID and WA, including an inability to transfer money online between your accounts. 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.

¹¹Monthly fees for new enrollment in any one or more of the Online Business Suite™ services are waived during the first 3 months of enrollment, after which the following standard monthly fees apply:

• Account Management monthly fee - $15
• Direct Payments monthly fee - $10
• Express Invoicing™ monthly fee - $10
• Easy Online Payroll™ monthly payroll service fee - $15 for Basic service, $30 for Plus service

The fee for Direct Payments covers the first 20 payments to employees or vendors scheduled in any calendar month. Additional payments are subject to a fee of $2 for each set of 5 payments. Each next-day payment is $10 in addition to the Direct Payments $10 monthly fee. Three-day payments are included in the monthly fee. The fee for Express Invoicing covers the first 20 invoices sent in any calendar month. Additional invoices are subject to a fee of $2 for each set of 5 invoices. Fees may apply for additional services. To view an account from another financial institution, you must have online access set up with that institution. These fees will be withdrawn from the account to which your service fees are normally charged. Online Business Suite service requires Internet access, and Internet service provider fees may apply. Not available in Washington or Idaho.

¹²Easy Online Payroll Basic Service is free when you have all employees paid by direct deposit to a Bank of America account. If any of your employees are not paid by direct deposit to a Bank of America account, a monthly payroll service fee of $15 will apply. The monthly payroll service fee for the Plus Service is an additional $15.

If you pay more than 20 employees, but not all are paid by direct deposit to a Bank of America account, an additional monthly fee of $2 will be charged for each employee over 20. The maximum number of active employees being paid can not exceed 50. Direct deposit to a non-Bank of America account is not available as part of the Easy Online Payroll service. Monthly fees are automatically charged until you cancel the service. Billing occurs on the last banking day of the month. The above pricing does not include applicable sales tax.

Easy Online Payroll service requires Internet access, and Internet service provider fees may apply. Not available in Washington or Idaho.

¹³Discount offer not available in California. In New York a premium reduction is available.