Merrill Edge Fees, Margin Rates, IRA Fees, Interest, Trading Tools Charges for 2012

Please remember there's always the potential of losing money when investing in securities.

¹$0 trades are only available with an individual or joint Merrill Edge self-directed brokerage account. Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) waives its commission fee for as many as 30 monthly online equity trades, including stock and exchange traded funds (ETFs) for customers who meet any one of the following criteria:

a) Combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. When you make a trade, MLPF&S determines whether you meet the balance requirement to qualify that trade for the $0 waiver. MLPF&S adds the average collected balances in your deposit accounts as of the prior month to the balances in your bank CD and IRAs as of the prior business day. Bank deposit accounts with the same Social Security number (SSN) as the SSN(s) on the self-directed brokerage account are systematically included in the balance determination. If this calculation reflects a combined total of less than $25,000, a second calculation is made. To determine the 30-trade limit, MLPF&S adds the qualifying trades in your individual accounts and joint accounts. Commission fees apply when the balance requirement is not met, or when you exceed 30 qualifying trades a month. Brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request and termination apply. See merrilledge.com for details. Standard deposit account fees apply. Relationship requirements and pricing are subject to change.
b) Or combined balance of $25,000 or more in cash balances in one or more of the following sweep options in your Merrill Edge self-directed account(s) as of the prior business day:

- Bank Deposit Accounts sweep option with your Cash Management Account^® (CMA^®)

- Retirement Assets Savings Program II sweep with your IRA

c) Or Client of U.S. Trust, Bank of America Private Wealth Management
d) Or Client of Platinum Privileges

This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S.

²You automatically enjoy status in the Platinum Privileges^® program if you maintain at least $50,000 as a combined balance in your Bank of America deposit accounts and/or your Merrill Edge brokerage accounts and have a Bank of America personal checking account or Merrill Edge brokerage account. As of 7/9/2012, to qualify for the Platinum Privileges^® program you must have an active Bank of America checking account. The balance qualifications, including combined balances, are not changing. If you are a Merrill Lynch Wealth Management and/or U.S. Trust customer, you are not eligible for Platinum Privileges^®, and you can speak with your Financial Advisor or Private Client Advisor for information about the benefits available to you.

Equity securities sold through Merrill Edge self-directed investing are subject to stock market fluctuations that occur in response to economic and business developments.

Options Trades: Option trading entails significant risk and is not appropriate for all investors. Certain requirements must be met to trade options through Merrill Lynch, Pierce, Fenner & Smith Incorporated. Options may not be suitable for all investors. Please read the options disclosure document entitled "Characteristics and Risks of Standardized Options" before considering any option transaction. Contact 1.877.653.4732, Monday – Friday, 7:30 a.m. to midnight, and Saturday, 8 a.m. to 9 p.m., Eastern for a copy. A separate client agreement is required to trade options.

Orders which involve multiple option transactions will be charged a separate commission on each leg of the option order.

Mutual Funds: A transaction fee may be charged whenever mutual fund shares held for 180 days or less are exchanged or redeemed. These mutual funds may also be subject to management fees. 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. You can review fund prospectuses online or request a prospectus by calling Merrill Edge self-directed investing at 1.877.653.4732, Monday through Friday, 7:30 a.m. to midnight, and Saturday, 8 a.m. to 9 p.m., Eastern.

Fund shares may be redeemed directly with the Fund without payment of the Merrill Lynch Short-Term Redemption fee.

Fixed Income: Fixed income orders contain order information on Agency Discounts/Notes/Bonds, Certificates of Deposit, Corporate Bonds, Municipal Bonds and Treasury Bond investment vehicles.

Exchange Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. You should carefully consider the investment objectives, risks, charges, and expenses before investing in this product. This and other important information is included in the prospectus, which should be read carefully before investing. Prospectuses can be obtained from your investment professional or through the investor's sign-in area of bankofamerica.com/investments.

A Brokered Certificate of Deposit is different than a bank Certificate of Deposit. It is sold for a bank by a broker while a Certificate of Deposit can be purchased directly from a bank. Brokered CDs may offer higher rates of return, but their value may fluctuate with changing interest rates. Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation.




Merrill Edge Fees are as of 2012 and are subject to change. For most recent information go here: