Comprehensive benefits solutions for employers and employees

Engage the opportunity

Bank of America Merrill Lynch seamlessly delivers comprehensive financial solutions to help organizations reduce costs, operate more efficiently, maximize capital and enhance human resources. As an industry leader in benefits business and your employees At Bank of America Merrill Lynch, yourand retirement solutions, we provide your organization access to financial tools and thought leadership to help can benefit from theplan and grow. financial strength and extensive resources you

of one of the worlds largest financial institutions, serving organizations Merrill Lynch can help organizations Bank of Americaand individuals with essential benefits, like yours banking and investment services. build benefits to better retain and attract the best employees while reducing the internal costs of your human resources operations.
Choose Bank of America Merrill Lynch

Bank of America Merrill Lynch brings you not only a wealth of capabilities, but the innovation and expertise to ensure that you receive relevant and clear financial solutions and market intelligence. We deliver our products and services through dedicated specialists who understand your business, your markets and your needs. Work with us and benefit from a trusted financial relationship centered on service excellence and enduring quality.

Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed.

Engage the opportunity

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Bank of America Merrill Lynch seamlessly delivers comprehensive financial solutions to help organizations reduce costs, operate more efficiently, maximize capital and enhance human resources. As an industry leader in benefits and retirement solutions, we provide your organization access to financial tools and thought leadership to help you plan and grow.

Bank of America Merrill Lynch can help organizations like yours build benefits to better retain and attract the best employees while reducing the internal costs of your human resources operations.
Choose Bank of America Merrill Lynch

Bank of America Merrill Lynch brings you not only a wealth of capabilities, but the innovation and expertise to ensure that you receive relevant and clear financial solutions and market intelligence. We deliver our products and services through dedicated specialists who understand your business, your markets and your needs. Work with us and benefit from a trusted financial relationship centered on service excellence and enduring quality.

Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed.

Bringing it all together helping you achieve more. We give you more ways to build your companys benefits programs and empower your employees to take control of their personal finances with greater ease, control and efficiency.

Employee Banking and Payroll Solutions

Banking solutions to help you reduce payroll costs and increase direct deposit of pay, while providing employees with everyday banking benefits at no cost to you.

Bank of America Benefit Solutions

Cost-effective, value-added healthcare accounts save you money and give your employees more control over healthcare spending.

Employee Home Loans and Relocation Services

Attract and retain high-caliber employees with a wide array of home loan financing and employee relocation solutions.

Retirement and Benefit Plan Services

As your single source for retirement and benefit plans, you can combine any or all of our offerings into one fully integrated program that is easy to manage and 1 easy for your employees to understand and access.

Investments and Wealth Management

Work independently or partner with our investment professionals to plan a retirement, save for education or build a legacy for family and heirs.

Bank of America at Work

y Health Savings Account (HSA)

The HSA for Life from Bank of America

y Bank of America Employee

Home Loan program offers competitive rates and discounted fees for your entire employee base

y Defined Contribution y Defined Benefit y Nonqualified Deferred

Merrill Edge2

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of checking, savings and borrowing solutions

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and banking capabilities

y Health Reimbursement
Arrangement (HRA)

y Keep the Change savings

program and Add It Up cash back rewards program

y Enhanced voluntary benefits y Flexible Spending Account (FSA) y Health Incentive Account (HIA) y Guidance from a team of y Retiree HRA
experienced home loan and relocation mortgage experts program that can help increase employee morale, retention and recruitment

Compensation

y Invest on your own or instead receive advice

and guidance by phone through the Merrill Edge Advisory Center

y Equity Compensation y Total banking and investing via a single, y Executive Services
secure online experience merrilledge.com Comprehensive Wealth Management 3

y Online tools to help employees

plan, prepare and save Money Network

y Dedicated financial advisor, wealth management y Relocation procedures designed

to align with your relocation policy, including direct billing, buydown programs, group move programs, and no property lock-in programs specialist or private wealth advisor

y Smart ways for employees

banked or unbanked to access their pay

y Holistic wealth management advice and guidance y Investment, retirement and estate planning,
tax management, wealth structuring and family office solutions

y Helps you achieve direct

deposit of pay and reduce costs

y Money Network Visa Paycard

and Money Network Checks

y Access to strategies and advice typically

reserved for large institutions

Employee Benefits Banking

Employee Banking and Payroll Solutions You have a strong commitment to your employees and you want to give them the best. We have the solutions to help. The Bank of America at Work and Money Network programs two integrated banking solutions that can help you reduce payroll costs and mitigate risk, while providing your employees with value-added, everyday banking benefits and services all at no cost to you.
Employee Banking Bank of America at Work
As a valued corporate client, you and your employees are entitled to take advantage of the many benefits and features of our premier banking benefits program Bank of America at Work. This program is offered to you and your employees at no cost, and is an excellent complement to the other benefits you already provide to your employees.

Clarity commitment

Simplify your payroll Bank of America at Work and Money Network

Bank of America offers a solution to help employers increase the use of direct deposit of pay. Through the Money Network program, made available by 4 Bank of America Merchant Services, and the Bank of America at Work program, we provide employers with an integrated payroll solution that offers eligible employees the choice of receiving their pay through a traditional bank account or a paycard. With these combined programs you can help reduce payroll costs, mitigate risk and offer your employees a safe and cost effective way to receive their pay.

Strengthen benefits and maximize employee satisfaction

Bank of America at Work provides convenient, reliable, and secure solutions, including interactive tools to help you manage your money. Bank of America at Work provides your employees with checking, savings and borrowing solutions. As a Bank of America at Work participant, not only do you save money with innovative products and services, now you can also make managing your money easier, as you will have access to a website which offers a wide range of financial tools, articles, calculators and tips to help you meet your financial goals. Offering this exclusive banking package to employees is a cost-effective way to enrich your benefits package and at the same time offer employees added incentives to participate in a direct deposit of payroll program.

Bank of America at Work and Money Network benefits:

For employers:

Helps increase direct deposit penetration Reduces payroll costs associated with printing, distribution and administrative expenses Reduces check fraud, loss and reissues Allows for automated electronic delivery of pay in the event of a natural disaster Helps provide prompt disbursement and access to wages for employees Reduces your business environmental impact by moving from paper checks to electronic payment For employees: Offers superior banking products and services for everyday banking needs Provides essential financial planning tools and resources Provides access to cash at more than 6,000 banking centers and 18,000 ATMs nationwide Offers prompt disbursement and access to wages on payday Gives employees the ability to make purchases wherever Visacredit or debit cards are accepted: in stores, online or over the phone Grants access to wages at thousands of surchargefree Allpoint Network ATMs or by cashing Money Network Checks at no charge in thousands of locations nationwide

Bank of America Merrill Lynch is at the forefront of providing clients with banking clarity and financial transparency. Our Clarity Commitment statement promotes the communication of clear and concise financial information. We make it simple for clients to understand lending products so they can use credit wisely. Whether for mortgages or credit cards, Clarity Commitment summaries help clients manage everyday finances and select appropriate products and services with greater ease, control and clarity.

Dedicated support
Partner with our Group Banking team. Together, well tailor and implement a banking benefits package to meet your companys needs. We will provide promotional materials, communication plans, on-site enrollment events, website links and more. Plus, our team will continually assess the programs effectiveness to maintain optimal performance.

Employee Benefits Banking

Bank of America Benefit Solutions As an employer, you recognize that a cost-effective, valued-added benefits package can help you reduce costs and retain key employees. You can count on Bank of America Benefit Solutions to provide consumer directed healthcare accounts that give your employees more choice and greater control over their healthcare spending. Our health care account benefits specialists work closely with you and your employees, providing participants with the tools and support needed to ensure successful enrollment and participation.
Heath Savings Account (HSA) The HSA for Life from Bank of America
Our HSA is truly portable and stays with your employees whether they change health plans, move to a new job or retire. With The HSA for Life, employees can save for current or future medical expenses on a pre-tax basis and have more control over how their healthcare dollars are spent. In addition, HSA funds do not expire and are always available to pay for eligible medical expenses.

Financial wellness

Health Incentive Account (HIA)

Promote healthier lifestyles for your employees by contributing funds to an HIA. You can contribute funds to an HIA for employees who actively engage in making healthier lifestyle choices, such as participating in smoking cessation or weight management programs. Employees can use the funds that you contribute to cover qualified medical expenses. The Bank of America Benefit Solutions HIA integrates easily with most wellness and healthcare partners, making it a perfect addition to any benefits program.

Health Reimbursement Arrangement (HRA)

With an HRA, you decide the contribution amount and eligible healthcare benefits for employees. Your employees can then access funds to pay for medical expenses not covered in your health plan. As a result, you enjoy tax savings and more efficient cash flows, while your employees avoid filing tedious claim forms and waiting for approvals.

Retiree HRA
When your HRA - eligible employees are ready to retire, offer them the Retiree HRA. With the Retiree HRA, you decide the eligible expenses that are right for your retired population, including insurance premiums, Medicare supplemental coverage premiums and more. And your retirees can roll over funds from their current HRA to their Retiree HRA, allowing them to offset growing medical costs and benefit from all of your HRA contributions into retirement.

Flexible Spending Account (FSA)

The Health FSA allows your employees to plan ahead for yearly medical outlays by allowing them to set aside pre-tax money on an annual basis. Employees pay for qualified medical expenses incurred during that year. And because Bank of America Benefit Solutions streamlines the claims process, the paperwork for you and your employees is greatly reduced, fostering higher adoption rates across your organization. Employees also have the option to contribute pre-tax dollars to a Dependent Care FSA to pay for childcare and adult care expenses as well.

Our customer healthcare accounts provide employees with more choice and greater control over their healthcare spending and may reduce costs and help you save money, too.

NOTE: Bank of America Benefit Solutions does not provide tax or legal advice. This summary is provided solely for general information purposes, and is not to be construed as tax or legal advice. Please consult with your own attorney or tax advisor to understand the tax and legal consequences of your HSA and your particular situation.

Employee Benefits Banking

Employee Home Loan and Relocation Services Todays global marketplace requires a nimble, yet sophisticated approach to pursuing opportunities when and where they arise. So wherever your business takes you, the Bank of America Employee Home Loan program complements your companys internal benefits policy. Its an attractive way to recruit and retain high-caliber employees at no cost to your company.
Leverage our leadership
We are a leading home loan lender and we focus our considerable experience and resources on providing an exceptionally convenient and streamlined home financing process. Your company and employees can be confident that their mortgage loan officer is working hard for them. Experience, focus and resources these are a few of the benefits to be gained by making Bank of America Home Loansyour partner of choice.

Unlocking possibilities

Proven solutions
Whether employees plan to purchase or refinance, the Employee Home Loan Program can help your qualified employees gain access to competitive rates, fees, customized home financing solutions and personal customer service and support. Complement your companys internal benefits policy with our value-added employee home loan process that enhances employee morale by giving them flexible ways to purchase a new home, refinance an existing home loan or obtain a home equity loan or line of credit. You can also help your relocating employees realize their financial goals through homeownership, with benefits including direct bill payment tailored to your relocation policy, interest rate and payment subsidy buydown programs and discounted closing costs and lender fees.

Expert guidance from home loan professionals

With personal attention from mortgage loan officers dedicated to helping your employees be successful homeowners, we provide the convenience of a centralized team of home loan specialists and the confidence that comes with our long-standing commitment to responsible lending. We demonstrate our commitment to responsible lending and to creating successful homeowners through our Clarity Commitment document, a one-page summary of key loan terms written in customer-friendly language and through our strong educational focus aimed at empowering customers with the information they need to make informed home loan decisions. No matter how many employees you have, or how many employees you need to relocate, we provide an experienced account manager as a single point of contact for you and your staff. Our centralized team of mortgage professionals understands the industry and is dedicated to making the home loan process less complicated and more rewarding for you and your employees.

Home loans as diverse as your needs

Leverage the resources of an industry leader and give your employees an array of loan products and services at competitive rates and fees. We offer essential home financing support, group move programs designed to maximize relocation opportunities, prequalification estimates and personal attention from a dedicated client manager throughout the loan process. In addition, qualified borrowers can benefit from reduced lender fees, competitive interest rates and no property lock-in programs.

As a leading home loan lender and employee relocation specialist, Bank of America Home Loans provides streamlined, convenient and reliable home financing and relocation solutions, so you and your employees feel confident and secure in every move you make.

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Employee Benefits Banking

Retirement and Benefit Plan Services Your benefits plan is one element in your business larger, constantly changing financial picture. As one of the nations leading providers of employee retirement and benefit plan services, we offer a full range of integrated retirement and benefit plan solutions. You can combine any or all of our defined contribution, defined benefit, equity, non-qualified and executive service offerings into a single program helping you reduce costs while increasing employee impact.
Your single source for retirement and benefit plans
Through our Retirement & Benefit Plan Services group, Bank of America Merrill Lynch provides comprehensive bundled or unbundled plan sponsor, participant and investment services. A single professional your financial advisor or client relationship manager leads a team of specialists to help you select and integrate the right mix of benefits for your company. He or she also is responsible for timely investment reviews, client service reviews and participant communications, so you and your employees understand how all the components fit together.
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Tomorrows possibilities

Bank of America at Work programs for employee financial wellness

Its important your employees utilize all of the benefits and services available to them. We work closely with you to actively promote financial wellness and communicate its benefits to your employees. Our Bank of America at Work programs integrate comprehensive personal financial education, targeted communications and financial solutions into your plan and offer discounted access to banking and credit solutions that help your employees better manage their overall financial situation.

Flexible retirement plan options**

With more than 4,700 available investment options, we help you select and build an appropriate menu for your employees and then give them automated enrollment and investment capabilities virtually 24/7 with Benefits OnLineto help them maximize their plans. In addition, our Financial Wellness Monitor evaluates participant-level behaviors and identifies ways to help you optimize your plans effectiveness. We also understand the importance of your fiduciary role and guide you in implementing fiduciary best practices across your programs.

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Tax-quali ed plans with individual employee account 401(k), pro t sharing, money purchase plans
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Executive trading programs Pre-trade veri cation and post-trade reporting

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Integrated Bene ts Solutions

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Equity award programs I Financial reporting solutions

Innovative tools measure employee financial wellness and help employees fully utilize the benefits you provide to more effectively plan, prepare and achieve a secure financial future.

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Income deferral mechanisms for higher paid employees Access to personalized advisory services for executives

Institutional trust and custody I Advisory and risk management I Asset management

Education and advice to help plan and prepare

Your employees can receive tailored, focused advice so they can make more confident, informed financial decisions. Advice Access is an innovative tool that delivers personalized advice and guidance, including discretionary account management.* We also provide educational resources such as web seminars and one-on-one sessions to help employees with essential retirement planning and preparation.
*

The Advice Access service uses a probabilistic approach to determine the likelihood that participants in the service may be able to achieve their stated goals and/or to identify a range of potential wealth outcomes that could be realized. Additionally, the recommendations provided by Advice Access do not consider an individuals comfort level with investment risk, and may include a higher level of investment risk than a participant may be personally comfortable with. Participants are strongly advised to consider their personal goals, overall risk tolerance and retirement horizon before accepting any recommendations made by Advice Access. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations, which is provided in the Advice Access disclosure statement. It can be obtained through Benefits Online or through your Bank of America Merrill Lynch representative. IMPORTANT: The projections or other information shown in the Advice Access service regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Bank of America Merrill Lynch and its representatives provide only general information and/or materials regarding qualified retirement plans and do not provide investment advice or recommendations with regard to qualified retirement plans. All decisions about qualified plans, including choosing a qualified retirement plan and which investments to offer under a qualified retirement plan, are to be made by the plan sponsor.

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Small business solutions

Whether you have one or 500 employees, we have solutions to help you meet your goals. From plan design and recordkeeping to participant services and investments, we can help you analyze your employee needs and structure a retirement solution thats right for them and you. We integrate the strong partnership of your Merrill Lynch Financial Advisor into the relationship and offer unbiased, personalized guidance to help ensure your retirement plan aligns with your companys and your employees evolving needs.

**

12

Employee Benefits Banking

Investments and Wealth Management Your employees face increasingly complex challenges pursuing a secure financial future. Whether they choose to manage their own investments, partner with an experienced financial advisor or consult with a team of wealth management specialists, our full range of solutions can help them achieve the life they envision.
Merrill Edge
By combining the investment insights of Merrill Lynch and the banking strength of Bank of America, Merrill Edge offers a powerful network of capabilities that are designed to help your employees make the most of their money. Merrill Edge offers two options: Merrill Edge Self-Directed Investing Offering a wealth of tools, research and intelligence, a self-directed account from Merrill Edge can help your employees make confident and well-informed investment decisions. They may also benefit from lower-commission pricing based on their total relationship with Merrill Lynch and Bank of America. Merrill Edge Advisory Center Professional financial guidance from the Merrill Edge Advisory Center is available to your employees who have between $20,000 and $250,000 to invest. Working with a team of licensed Financial Solution Advisors by phone, theyll receive help developing and implementing short- and long-term financial goals with specific investment recommendations and clear action steps for staying on track. No matter which option your employees choose, they will enjoy a single view of their Merrill Lynch and Bank of America accounts through merrilledge.com making financial management that much easier.

Blending opportunities

Comprehensive wealth management solutions

As your business grows, your executives, key employees and their families are faced with more complex financial needs. In partnership with a financial advisor, wealth management specialist or private wealth advisor, your employees can build a customized wealth management strategy to help them achieve their financial goals. We deliver the strength and breadth of one of the worlds largest financial services organizations with a wide range of traditional and alternative investments to develop detailed, targeted and comprehensive investment strategies reflective of the life, wealth and legacy of each client. Your employees can access a full suite of investment management, wealth structuring, credit and banking, family office, concentrated stock management, tax management, estate and trust planning, legacy and philanthropy solutions to help preserve and manage wealth.

Bank of America Merrill Lynch provides clients with strong market insight, strategic investment advice, proactive wealth management, targeted financial solutions and industry leadership. Our strengths and intellectual capital make us uniquely qualified to help businesses and employees anticipate challenges and maximize opportunities.

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Employee Benefits Banking

Expand upon your strengths As a global leader in banking, benefits solutions, investment and wealth management solutions and other financial risk management products and services, Bank of America Merrill Lynch serves clients in more than 150 countries, supports more than 59 million consumers and small business relationships, and is among the
* worlds leading wealth management companies.

Shared vision

Through our size, scale and global presence, we provide clients with a full range of high quality, innovative capabilities, delivered with local convenience and efficiency. We are on the ground in your communities helping businesses grow and improving lives through community development banking, philanthropy, environmental lending, investments and volunteerism.

We understand the challenges institutions, families and individuals face, as well as the communities they serve and the importance of their missions. As a long-standing advisor to philanthropists, we have the depth of management and investment expertise to address todays and tomorrows commitments.

As of fourth-quarter 2010

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Employee Benefits Banking

Let us help your organization grow. Talk to us about how our comprehensive benefits programs, financial resources and investment solutions can fit your needs and your employees needs.

Stacy Carcaci Account Executive nterprise Creative Solutions

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Bank of America Merrill Lynch is a marketing name for the Retirement & Philanthropic Services businesses of Bank of America Corporation (BAC). Banking and fiduciary activities are performed by wholly owned banking affiliates of BAC, including Bank of America, N.A., member FDIC. Brokerage services are performed by wholly owned brokerage affiliates of BAC, including Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLFP&S), a registered broker-dealer and member SIPC. Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of Bank of America Corporation. Merrill Lynch Wealth Management makes available products and services offered by MLPF&S, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation. Investment products and services may be available through a relationship managed by U.S. Trust, Bank of America Private Wealth Management. U.S. Trust, Bank of America Private Wealth Management, operates through Bank of America, N.A., and other subsidiaries of BAC. Bank of America, N.A., member FDIC. Merchant Services are provided by Bank of America, N.A. and its representative Banc of America Merchant Services, LLC. Banc of America Merchant Services, LLC is not a bank, does not offer bank deposits, and its services are not guaranteed or insured by the FDIC or any other governmental agency.

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Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (Investment Banking Affiliates), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., all of which are registered broker dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed. 2011 Bank of America Corporation. U.S. Trust, Bank of America Private Wealth Management operates through Bank of America, N.A. and other subsidiaries of Bank of America Corporation. Keep the Change patent pending. The Clarity Commitment is provided as a convenience, does not serve as a substitute for a borrowers actual loan documents, and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. Bank of America, N.A., Member FDIC subject to change without notice. Equal Housing Lender 2011 Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are

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Employee Benefits Banking

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BankofAmericaMerrillLynchisamarketingnamefortheRetirement&PhilanthropicServicesbusinessesofBankofAmericaCorporation(BAC).BankingandfiduciaryactivitiesareperformedbywhollyownedbankingaffiliatesofBAC,including BankofAmerica,N.A.,memberFDIC.BrokerageservicesareperformedbywhollyownedbrokerageaffiliatesofBAC,includingMerrillLynch,Pierce,Fenner&SmithIncorporated(MLFP&S),aregisteredbroker-dealerandmemberSIPC.

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MerrillEdgeisthemarketingnamefortwobusinesses:MerrillEdgeAdvisoryCenter,whichoffersteam-basedadviceandguidancebrokerageservices;andaself-directedonlineinvestingplatform.BotharemadeavailablethroughMerrillLynch,Pierce, Fenner&SmithIncorporated(MLPF&S).MLPF&Sisaregisteredbroker-dealer,memberSIPCandawhollyownedsubsidiaryofBankofAmericaCorporation. MerrillLynchWealthManagementmakesavailableproductsandservicesofferedbyMLPF&S,aregisteredbroker-dealerandmemberSIPC,andothersubsidiariesofBankofAmericaCorporation.Investmentproductsandservicesmaybeavailablethrough arelationshipmanagedbyU.S.Trust,BankofAmericaPrivateWealthManagement.U.S.Trust,BankofAmericaPrivateWealthManagement,operatesthroughBankofAmerica,N.A.,andothersubsidiariesofBAC.BankofAmerica,N.A.,memberFDIC. MerchantServicesareprovidedbyBankofAmerica,N.A.anditsrepresentativeBancofAmericaMerchantServices,LLC.BancofAmericaMerchantServices,LLCisnotabank,doesnotofferbankdeposits,anditsservicesarenotguaranteedorinsured bytheFDICoranyothergovernmentalagency. Asoffourth-quarter2010

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 ankofAmericaMerrillLynchisthemarketingnamefortheglobalbankingandglobalmarketsbusinessesofBankofAmericaCorporation.Lending,derivatives,andothercommercialbankingactivitiesareperformedgloballybybankingaffiliatesofBank B  ofAmericaCorporation,includingBankofAmerica,N.A.,memberFDIC.Securities,strategicadvisory,andotherinvestmentbankingactivitiesareperformedgloballybyinvestmentbankingaffiliatesofBankofAmericaCorporation(InvestmentBanking Affiliates),including,intheUnitedStates,MerrillLynch,Pierce,Fenner&SmithIncorporatedandMerrillLynchProfessionalClearingCorp.,allofwhichareregisteredbrokerdealersandmembersofFINRAandSIPC,and,inotherjurisdictions,bylocally registeredentities.InvestmentproductsofferedbyInvestmentBankingAffiliates:AreNotFDICInsuredMayLoseValueAreNotBankGuaranteed.2011BankofAmericaCorporation.



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