Employee eligibility for Bank of America Direct Benefits terminates when (a) the employee's relationship with the sponsoring company or organization terminates or (b) the sponsoring company's or organization's Bank of America Direct Benefits plan is terminated by either the company or organization or Bank of America, at which time rates and fees will revert to the current rates and fees as stated in the Personal Schedule of Fees. 1The interest bonus on CDs does not apply to renewals, to funds transferred from other Bank of America accounts, or to CDs of $100,000 or more. Early withdrawal penalty may apply. Interest bonus cannot be combined with any other offer. 2Credit is subject to approval, and normal credit standards apply. Certain restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Property and/or flood hazard insurance may be required. The first mortgage discount cannot be used in conjunction with any other discount offer. Credit is toward closing costs. No cash will be paid to borrower. The closing cost credit is not available on all products. Automatic payment from a Bank of America account is required for closing cost offer on a new first mortgage. Bank of America, N.A. is an Equal Housing Lender. 3Credit is subject to approval and normal credit standards apply. Certain restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Property insurance is required; flood insurance when necessary may be required. Offer applies to new loans. Discounted rate will not drop below the Bank of America prime rate. Automatic payment from a Bank of America account is required for rate discount. Offer applies to new home equity line of credit. Fees and closing costs may apply. Other restrictions may apply. Home equity lines of credit are available in all states with Bank of America banking centers. See Bank of America for details. Maximum loan to value on a Texas Home Equity line of credit is 50%. 4Offer applies to new loans. Payments must be automatically deducted from a Bank of America account. Discounted rate will not drop below the Bank of America prime rate. 5Charges for overdrafts, cash advances, excess transaction fees and other account-related fees still apply. | 
